each and every claim = all claims
Excess applies
An occurrence is a loss, or a claim filed on the policy.
The deductible applies to every individual claim.
Car insurance deductibles are the amount which the policy holder must pay out of their own pocket in the event of an accident. It is standard for deductibles to be applicable for each claim.
Typically, an insurance company is required to send the claim forms back within 15 days after receiving the notice of claim. However, this timeframe can vary based on the specific regulations of each state or the terms outlined in the insurance policy. It's important to check the relevant state laws and the policy details for precise requirements.
Most companies do not require you to report the accident to your own insurance company, but if you later find out the person did not have valid insurance or the other insurance company refuses to pay and then you later have to file a claim on your policy, it will slow down the claim process. Plus, each state has a statute on the time limit you have to file a claim and want it to be covered.
What? Why would it be? The comprehensive deductible is your retained limit of an occurance so unless you have a policy with a diminishing deductible or some other policy benefit that would waive a deductible it applies to each and every claim.
You can contact the agency that holds your home owners insurance policy to ask them how to file a claim or claims. Each company has its own policies on how to do it.
policy number keeps an important in a policy bcz it is a unique customer identification number and when a customer tell about his policy number it has each and every information about the him/her
The insurance company must be notified of the insured's death, preferably by a beneficiary, policy owner, or an insurance agent, at which point it will send out packages of paperwork to all beneficiaries on file for that insurance policy. The paperwork is filled out by each beneficiary and returned to the insurance company, along with a certified copy of a death certificate, at which time the insurance company processes the paperwork, verfies the eligibility of the claim, and then, if appropriate, pays out the proceeds of the insurance policy.
You'll need to review your policy and determine if they have any basis to deny the claim. If they do not have a legal basis to deny the claim, tell them that you'll be contacting a lawyer, and then follow through with a suit.
You don't. It's much cheaper to put all your vehicles on one single policy than it would be to buy a seperate policy for each vehicle.