Homeowners Insurance give somebody the third degree? We have a vehicle broken into while out of state ....several months ago...?
We had no idea what adjectives we'd packed, as it was done within a hurry. So we guessed at what was there, for the police report, (as that's what the police suggested we do.)
Then we asked our homeowners insurance if we be covered and they said yes.
So , after narrowing down what was taken, we submitted a claim.
Now, (because we originally reported quite a bit missing,) the insurance company wishes us to come in for a statement under oath.
My mental state about this are mixed. In some ways I'd like to replace the things stolen,but surrounded by other ways I feel like the vehicle break surrounded by, is still going on, and I"m sick of it all..
Do I "have" to go contained by for the statement under oath? I assume if I don't, not only will they not pay envelope, but will cancel the policy, but I just aversion the idea of going in for this formal inquisitive. All of my instincts tell me the insurance company would like zilch more than to increase, rather than decrease my okay being.
What do you think?
Answers:
If the break-in really occurred and the items you reported stolen be, to the best of your recollection, stolen, you should go and do the statement under oath. Not going is pretty much similar to admitting you lied about what be taken. If you don't go, the insurance company will not pay the claim. Companies do this to protect themselves from folks who record false claims. It is nothing against you personally. If I be you, I'd just go ahead and acquire it over with and get my claims check! Source(s): I work within insurance in NC
the statement underneath oath...a deposition is common place. Don't be afraid just put in the picture the truth. You would be surprised at how many people report false claims...so the insurance company has to do this to protect themselves against false claims.
As long as you tell the truth you won't own to worry about remembering what you said....I know it's degrading...and it make you feel like you aren't mortal trusted...but just do it...as long as you are telling the truth nil but good will come from it.
Of course the insurance company will try adn ease the final settlement amount for your claim. It would be difficult to list every single item that was stolen from your vehicle to the police, short having time to thoroughly go over what items you have with you. The insurance company are asking you to go underneath oath because you would have not provided any proof of ownership for the items that were stolen, thus they need to verify for their records and own you make a statement, they can not cancel your insurance policy for one claim. If you want the items that be stolen, replaced i would suggest you negotiate with the insurance company, if you choose not to bother making a claim, the insurance company is going to find it a bit suss, i do not know how much $$ of items you had stolen so it may solely be minor Source(s): Im an insurance broker! its always best to deal near insurance brokers, as they handle your claim for you and you wouldnt have have to deal with the insurance company!!
i was an agent for 30 years and i don't deem i ever saw a
theft claim that wasn't "padded" Source(s): ret agent
Related Questions:
Then we asked our homeowners insurance if we be covered and they said yes.
So , after narrowing down what was taken, we submitted a claim.
Now, (because we originally reported quite a bit missing,) the insurance company wishes us to come in for a statement under oath.
My mental state about this are mixed. In some ways I'd like to replace the things stolen,but surrounded by other ways I feel like the vehicle break surrounded by, is still going on, and I"m sick of it all..
Do I "have" to go contained by for the statement under oath? I assume if I don't, not only will they not pay envelope, but will cancel the policy, but I just aversion the idea of going in for this formal inquisitive. All of my instincts tell me the insurance company would like zilch more than to increase, rather than decrease my okay being.
What do you think?
Answers:
If the break-in really occurred and the items you reported stolen be, to the best of your recollection, stolen, you should go and do the statement under oath. Not going is pretty much similar to admitting you lied about what be taken. If you don't go, the insurance company will not pay the claim. Companies do this to protect themselves from folks who record false claims. It is nothing against you personally. If I be you, I'd just go ahead and acquire it over with and get my claims check! Source(s): I work within insurance in NC
the statement underneath oath...a deposition is common place. Don't be afraid just put in the picture the truth. You would be surprised at how many people report false claims...so the insurance company has to do this to protect themselves against false claims.
As long as you tell the truth you won't own to worry about remembering what you said....I know it's degrading...and it make you feel like you aren't mortal trusted...but just do it...as long as you are telling the truth nil but good will come from it.
Of course the insurance company will try adn ease the final settlement amount for your claim. It would be difficult to list every single item that was stolen from your vehicle to the police, short having time to thoroughly go over what items you have with you. The insurance company are asking you to go underneath oath because you would have not provided any proof of ownership for the items that were stolen, thus they need to verify for their records and own you make a statement, they can not cancel your insurance policy for one claim. If you want the items that be stolen, replaced i would suggest you negotiate with the insurance company, if you choose not to bother making a claim, the insurance company is going to find it a bit suss, i do not know how much $$ of items you had stolen so it may solely be minor Source(s): Im an insurance broker! its always best to deal near insurance brokers, as they handle your claim for you and you wouldnt have have to deal with the insurance company!!
i was an agent for 30 years and i don't deem i ever saw a
theft claim that wasn't "padded" Source(s): ret agent
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