March 31, 2017

Back Into Parking Spaces

Let my eight years’ experience investigating the cause of car accidents assure you that backing into parking spaces or pulling through so you are parked front-end-out is the way to go. Videos at the bottom of this page demonstrate both parking techniques. Backing up is always dangerous. I avoid it when I can. If I […]

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Permanent Life Insurance? Level Term Beats Whole Life

This entry is part 3 of 5 in the series Ask an Adjuster Your Insurance Questions

This entry is part 3 of 5 in the series Ask an Adjuster Your Insurance QuestionsI handled 1099 exchanges for Executive Life Insurance for a year.* I calculated cash value and death benefit amounts vs rollover premium amounts. Level term beats whole life insurance, sometimes called permanent life insurance, dollar for dollar. A reader asks […]

Copyright©2010-2013 knowabit.com

Third Party Insurance: Is an Uninsured Driver Covered in an Accident?

This entry is part 4 of 5 in the series Ask an Adjuster Your Insurance Questions

This entry is part 4 of 5 in the series Ask an Adjuster Your Insurance QuestionsAn uninsured driver can be covered by third party insurance when an insured driver is at fault for a car accident. Third party insurance can also cover an uninsured driver when a car has defects not caused by a lack […]

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Does 21st Century Insurance Cover a Paint Job?

This entry is part 2 of 5 in the series Ask an Adjuster Your Insurance Questions

This entry is part 2 of 5 in the series Ask an Adjuster Your Insurance QuestionsOur answer is yes if you are in any of these situations: 1) Someone who has liability insurance through 21st century caused an accident with you, and the accident damaged your paint job. 2) You have comprehensive coverage on your […]

Copyright©2010-2013 knowabit.com

Tips on Negotiating with Your Insurance Claim Adjuster

This entry is part 1 of 5 in the series Ask an Adjuster Your Insurance Questions

This entry is part 1 of 5 in the series Ask an Adjuster Your Insurance QuestionsI’m probably burning a bridge by telling you this, but negotiation is a claim adjuster’s main skill. Lawyers know this and enjoy the process, but claimants — like you — miss out. I bet you don’t realize how much you […]

Copyright©2010-2013 knowabit.com

How much is car insurance?

Car insurance can be as cheap as $25 per month or as expensive as $2,000 per month. The price of auto insurance depends on many factors. In 26 states, this includes your credit score. [1]  Some of these factors sound like they aren’t the insurance company’s business. However, The National Association of Insurance Commissioners allows […]

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A high risk driver in the US can get car insurance through any insurance company or agent.

Because all US states make you have auto insurance or its equivalent, all US states help high risk drivers get car insurance. [1] States have various names for their programs, but they all involve assigning the high risk driver to an insurance company. Therefore, insurance professionals call this process “assigned risk.” How To Apply Ask […]

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Send Your Insurance Complaints to Your State Department of Insurance

The US Constitution puts the individual states in charge of commerce inside their various borders. [1] Insurance is a type of commerce, so each state has its own insurance regulations. These regulations apply to every insurance company, agent, adjuster and employee in the state. This includes all types of insurance: auto, life, health, homeowners and […]

Copyright©2010-2013 knowabit.com

How to Ship High Value Items

When shipping high value items, whether holiday gifts, eBay items you sold, or anything else, you should consider what the best shipping method would be. This article lists the main methods of transporting high value items from here to there, the pros and cons of each method, and what’s appropriate to ship which way. Of […]

Copyright©2010-2013 knowabit.com

How To Submit Your Reimbursement Paperwork To the Insurance Company

How you should submit reimbursement paperwork to the insurance company largely depends on what type of insurance it is. We adjusters have different requirements for health insurance claims than for third party bodily injury claims. These in turn differ from homeowner insurance claims, business insurance claims or car insurance claims. Third Party Injury Claims If […]

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