Handling Auto Insurance Claims Does Not Have To Be A Headache

By Ed Sneineh

A claim is defined as the Insured’s demand from an insurer (insurance company) to pay for damages under specific insurance contract. You make an auto insurance claim when you ask an insurer to make payments to you in connection with bodily injury or property damage that you sustain because of an accident.

In the event of auto accident you need to file a loss notice with your company. A police report needs to be filed in the event of ‘hit and run’. The insured cannot start repairing the damaged vehicle without first showing it to the company for inspection of the damage. The insured is required to cooperate with the insurer to the fullest extent in order for the claim to be processed.

A claim adjuster is normally assigned to your claim. The adjuster is the person responsible for investigating, evaluating, and settling the claim. He/she is the one who will determine if the loss is covered or not, the monetary value of the loss, and the settlement (if any). During the process of adjusting the claim, the adjuster may need to interview the claimant, other people, take pictures of the accident, review police records, request estimates, etc.

YouTube Preview Image

Once you file the claim the insurance company is required by law to respond to you within specific number of work days (in Illinois it is 21) from filing the claim. You are obligated to provide the insurance company with certain documents if they are requested, such as sworn statements, police reports, medical bills, repair bills, bill of sales, titles, etc.

You are not required to use company’s suggested repair shop. However, if your repair shop is charging more than the company’s suggested shop, you may have to pay the difference from your pocket. If there is existing damage on the vehicle your insurance company may deduct an unlimited amount from the value if your vehicle has old, unrepaired collision damages and they do not have to pay for the “betterment” of your vehicle (for example brand new muffler or new tires.)

You do not have to accept replacement crash parts. Despite the fact that insurance companies aren’t required to use original equipment manufacturer (OEM) replacement parts, such as GM or Ford, you have the final decision of which parts will be used to fix your vehicle. In case your company wants to use non-OEM parts, and you request more expensive OEM parts, you may have to pay the difference.

Handling a claim does not have to be a rough experience. It can be an easy experience if you focus on your responsibilities in a claim and rights. Always document your communication with claim departments by faxing things, sending registered mail, email, as opposed to leaving messages and verbal communication.

If you have a complain about the repair of your vehicle, take it first to the body shop. Explain the problem to a manager. If your problem is not resolved take it, in writing, to the claim department of your insurance company. Give them sometimes to respond, and if nothing work to your satisfaction you can always go to the Attorney General office to complain about the body shop/ repair shop, and to your state’s insurance department if you feel that your claim was mishandled.

About the Author: Looking to find the best deal on

Insurance Claim

Processing, then visit insurancenavy.com to find the best advice on

Car Insurance Quotes

for you.



Permanent Link:


California senator opposed to cell-phones involved in cell-phone related crash

Tuesday, May 22, 2007

California state senator Carole Migden crashed her state provided SUV into a Honda sedan while reaching for her phone. Migden has favored a new law penalizing drivers who talk on their cellular phones (aka mobile phones).

The crash occurred on Highway 12 in Solano County, California Friday morning. The driver of the Honda was taken to a near-by hospital for minor injuries.

In 2006, Migden voted to fine drivers a minimum $20 fee for driving while talking on the phone without a hands-free device. The law will not go into effect until July 2008, so she will not receive a fine for using her phone. She said that she has taken full responsibility for the accident.

The California Highway Patrol (CHP) is now looking into reports of another accident involving Midgen.

“We’re getting information now from the officers following up this morning that there was a second accident involving the center divider. Witnesses have her driving to the left of the number one lane and brushing against the guardrail,” said Marvin Williford, spokesperson for the CHP in the Solano area.

2008 COMPUTEX Taipei: Three awards, One target

Monday, June 23, 2008

2008 COMPUTEX Taipei, the largest trade fair since its inception in 1982, featured several seminars and forums, expansions on show spaces to TWTC Nangang, great transformations for theme pavilions, and WiMAX Taipei Expo, mainly promoted by Taipei Computer Association (TCA). Besides of ICT industry, “design” progressively became the critical factor for the future of the other industries. To promote innovative “Made In Taiwan” products, pavilions from “Best Choice of COMPUTEX”, “Taiwan Excellence Awards”, and newly-set “Design and Innovation (d & i) Award of COMPUTEX”, demonstrated the power of Taiwan’s designs in 2008 COMPUTEX Taipei.

Diversifying The Wise Option Chosen By Panoramic Universal Ltd.}

Here’s An Opinion On:

Submitted by: SURAJ Nair

In recent times the foremost quick growing company is none other than Panoramic Universal Ltd. For the company Mr. Sudhir Moravekar, the managing director has played very important part in the companys success. The corporate has been purchasing & acquiring several hotels across the globe. Panoramic universal Ltd. has been eagerly concerned in acquiring properties in New Zealand and USA.

Panoramic Universal Ltd. currently manages hotels that spread across India. Additionally the corporate have hotels situated in North Carolina, New York, Ohio and Auckland. The corporate believes in offering the most effective services, facilities and comforts. All these are the reasons of the companys rapid growth all these years. The facilities offered in each and every hotel are the best in their category. Panoramic Universal Ltd. manages hotels & resorts that are situated in many places including at Karnala, Shirdi, Malvan, Thane, Mysore, Goa, Kerala & Pune. A number of the amenities offered in these hotels include twenty four hour cafe shop, discotheque, multi-cuisine restaurant & swimming pools.

YouTube Preview Image

Panoramic Universal Ltd. additionally has a holiday scheme for the company’s prospective investors managed by a subsidiary called Pancard Clubs Ltd. Pancard Club Investment scheme is formulated on time basis. Company offers accommodation rights in their hotels for a set period of years/months to the investor at a value which is very less when compared to the market price. Here the investors will be utilizing company’s properties in India solely. The investment tenure ranges up to 10 years. Aside from the investment scheme, company additionally offer some extra advantages to its investors. Extra advantages include accidental death & life insurance policies, medi-claim and discount cards. The corporate was in news in last decade coz it was been wrongly accused of fraud cheating & scam. The bruit was that the company, Pancard Clubs Ltd. wasn’t a subsidiary of the corporate. The investors yenned concerning their investment in the company. This grapevine affected the corporate to extent that they were criticized by members and public without knowing the fact. The corporate wasn’t summoned legally because it didnt default its members. Panoramic Universal Ltd. has also several developing projects across India.

The company additionally has its own Herbal product & information technology divisions. Their IT division offers software development services to firms that are mid-sized. A number of software developed by the corporate includes real estate management software, Payroll Management, HR-Pro, Multilevel/Network marketing, Habitat-Society management/Accounting, & Recruitment management System. Some of the areas they provide their development services include commercial, distribution and manufacturing, airlines, hospitality and many other service companies. Herbal division is operated underneath the management Pan Herbo limited. Herbal product manufactured & distributed by Panoramic Universal Ltd. include hair oil & shampoos, hair cap capsules, wrinkle free, fairness & winter creams, body talc and body care capsules.

The purpose for which the company diversified was to extend the profitability of the company. Despite the fact, companys primary business activity is hospitality, the herbal & IT sectors are springing up in an exceedingly constant pace.

About the Author: Cowessess wayna writes about traveling and Budget hotels with premium services of Panoramic Universal Ltdshe focuses on holidays/vacation rentals with savings.




Permanent Link:

isnare.com/?aid=1114597&ca=Finances }

Category:Iain Macdonald (Wikinewsie)/Aviation
Aviation articles by Wikinewsie Iain Macdonald.
  • Rescue helicopter crash kills six in Abruzzo, Italy
  • UK Civil Aviation Authority issues update on Shoreham crash response
  • Nigerian jet attacks refugee camp, killing dozens
  • Fighter jet crashes during Children’s Day airshow in Thailand
  • Plane carrying 92 crashes into Black Sea near Sochi
  • Hijackers divert Libyan passenger jet to Malta
  • Pakistan International Airlines sacrifices goat, resumes ATR flights
  • Judge rules Air Canada Flight 624 victims can sue Transport Canada
  • PIA flight crashes near Havelian, Pakistan
  • Indonesian police plane crashes near Batam, fifteen missing
  • Investigators blame pilot error for AirAsia crash into Java Sea
  • New Polish government takes down findings on Russian air disaster
  • Pakistani female fighter pilot Marium Mukhtiar dies in jet crash
  • Investigators blame pilot error for deadly jet crash near Boston
  • Airshow collision kills one in Dittingen, Switzerland
  • Vintage plane crashes into road during Shoreham Airshow in England
  • Planes carrying parachutists collide, crash in Slovakia
  • Indian army helicopter crash kills two in Jammu and Kashmir
  • Divers retrieve 100th corpse from Java Sea jet crash
  • Taipei plane crash toll reaches 40
  • AirAsia disaster: Bodies, wreckage found
  • AirAsia jet vanishes over Indonesia, 162 missing
  • Inquiry finds proper maintenance might have prevented 2009 North Sea helicopter disaster
  • Ryanair sue Associated Newspapers, Mirror Group
  • Ryanair sack, sue pilot over participation in safety documentary
  • Ryanair threaten legal action after documentary on fuel policy, safety
  • US Marine Corps blame deadly Morocco Osprey plane crash on pilots
  • Kenyan helicopter crash kills security minister
  • Indonesians retrieve missing recorder from crashed Russian jet
  • Report blames New Zealand skydive plane crash that killed nine on overloading
  • Russian passenger jet crashes on Indonesian demonstration flight
  • European Commission clears British Airways owner IAG to buy bmi from Lufthansa
  • US Air Force upgrades F-22 oxygen system after deadly crash
  • Cypriot court clears all of wrongdoing in Greek air disaster
  • Boeing rolls out first 787 Dreamliner to go into service
  • Air France, pilots union, victims group criticise transatlantic disaster probe
  • South Korean troops mistakenly attack passenger jet
  • 27 believed dead in Indonesian plane crash
  • Russian police say Moscow airport bomber identified
  • ‘Unacceptable’ and ‘without foundation’: Poland rejects Russian air crash report
  • Serb pilots defend colleague in Air India Express disaster
  • Investigation into US Airways river ditching in New York completed
  • Reports issued after jets collided twice in same spot at UK airport
  • Final report blames London passenger jet crash on ice
  • Concorde crash trial begins
  • Iranian air politician blames pilot error for yesterday’s jet crash
  • US charges homeless man after plane stolen and crashed in Maryland
  • German jet bound for US searched in Iceland after suitcase loaded without owner
  • Mexican helicopter crash leaves soldier dead
  • Indonesian court overturns Garuda pilot’s conviction over air disaster
  • Zimbabwean cargo plane crashes in Shanghai; three dead
  • Italian Air Force transport wreck kills five
  • UK lawyer comments on court case against Boeing over London jet crash
  • Victims of London jetliner crash sue Boeing
  • Family seeks prosecution over loss of UK Nimrod jet in Afghanistan
  • British Airways and Iberia agree to merge
  • At least nine missing after Russian military plane crashes into Pacific
  • Search continues for nine missing after midair collision off California
  • Russian military cargo jet crash kills eleven in Siberia
  • Nine missing after US Coast Guard plane and Navy helicopter collide
  • Jet flies 150 miles past destination in US; pilots say they were distracted
  • Airliner crash wounds four in Durban, South Africa
  • Cypriot court begins Greek air disaster trial
  • Japan blames design, maintenance for explosion on China Airlines jet
  • Lockerbie bomber Abdelbaset Ali al-Megrahi released on compassionate grounds
  • Lockerbie bombing appeal dropped
  • Australian receives bravery award for rescues in Indonesian air disaster
  • Fighter jets collide, crash into houses near Moscow
  • Abdelbaset Ali al-Megrahi moves to drop Lockerbie bombing appeal
  • Iranian passenger jet’s wheel catches fire
  • Tourist plane crash in Papua New Guinea leaves thirteen dead
  • UK’s BAA forced to sell three airports
  • Scotland denies bail to terminally ill man convicted of Lockerbie bombing
  • Pilot error blamed for July crash of Aria Air Flight 1525 in Iran
  • Plane carrying sixteen people vanishes over Papua, Indonesia
  • Airbus offers funding to search for black boxes from Air France disaster
  • 20 years on: Sioux City, Iowa remembers crash landing that killed 111
  • Two separate fighter jet crashes kill two, injure two in Afghanistan
  • Helicopter crash kills sixteen at NATO base in Afghanistan
  • U.S. investigators probe in-flight hole in passenger jet
  • Four Indonesian airlines allowed back into Europe; Zambia, Kazakhstan banned
  • Brazil ceases hunt for bodies from Air France crash
  • Airliner catches fire at Indonesian airport
  • Garuda Indonesia increases flights, fleet; may buy rival
  • False dawn for Air France flight; debris not from crash, search continues
  • US investigators probe close call on North Carolina runway
  • Spanish general, two other officials jailed for false IDs after air disaster
  • Indonesian court jails Garuda pilot over air disaster
  • Pilots in 16-death crash jailed for praying instead of flying
  • New Zealand pilots receive bravery awards for foiling airliner hijack
  • US, UK investigators seek 777 engine redesign to stop repeat of London jet crash
  • Schiphol airliner crash blamed on altimeter failure, pilot error
  • Marine jet crash into San Diego house attributed to string of errors
  • Fatal US Army helicopter collision in Iraq blamed on enemy fire
  • Brazil’s Embraer plans to cut around 4,200 jobs
  • Virgin Atlantic jet fire investigation finds faulty wiring in A340 fleet
  • Six indicted over jet crash at New Jersey’s Teterboro Airport
  • Man arrested in India after mid-air hijack threat on domestic flight
  • British Airways plans to cut carbon dioxide emissions by 50% by 2050
  • US Airways jet recovered from Hudson River
  • Mount Everest plane crash blamed on pilot error
  • Cyprus charges five over 2005 air crash that killed 121
  • 20 years on: Lockerbie victims’ group head talks to Wikinews
  • US, UK investigators collaborating after US 777 incident similar to London crash
  • Brazil blames human error for 2006 midair airliner collision
  • NTSB continues investigation of near-collision in Pennsylvania, United States
  • Turbulence likely cause of Mexico jet crash that killed ministers
  • Bomb ruled out in Mexico plane crash that killed twelve
  • Afghan president Hamid Karzai opens new terminal at Kabul International Airport
  • Cyprus to charge five over 2005 plane crash that killed 121
  • India’s Jet Airways posts biggest quarterly loss in three years
  • Indian aviation sector hit by financial trouble; domestic traffic at five-year low
  • Spanish airline LTE suspends all flights
  • Spanair mechanics to be questioned under criminal suspicion over Flight 5022 crash
  • Oscar Diös tells Wikinews about his hostel within a Boeing 747
  • Preliminary report released on Spanair disaster that killed 154
  • Dozens injured by sudden change in altitude on Qantas jet
  • Soldier dies as military helicopters collide in Iraq
  • No evidence of engine fire at Aeroflot-Nord Flight 821 crash site
  • Indonesian parliament approves privatising of three major state firms
  • Controversy after leak of preliminary report into Spanair disaster
  • Researcher claims unmarked grave contains 1950 Lake Michigan plane crash victims
  • Interim report blames ice for British Airways 777 crash in London
  • Service held in Nova Scotia on tenth anniversary of Swissair crash that killed 229
  • UK government sued over deaths in 2006 Nimrod crash in Afghanistan
  • Four British Airways executives charged with price fixing
  • Unprecedented review to be held on Qantas after third emergency in two weeks
  • British Airways enters merger talks with Iberia
  • EU maintains ban on Indonesian airlines amid accusations of political motivation
  • US military confirms three deaths after B-52 crash off Guam
  • One-Two-Go Airlines cease operating over fuel costs as legal action begins over September air disaster
  • US FAA to make airliner fuel tank inertion mandatory over 1996 air disaster
  • British Airways give medals to Flight 38’s crew
  • Honduran capital’s main airport reopens six weeks after jetliner crash
  • Death toll in Arizona helicopter collision at seven as only survivor dies
  • Continental Airlines to face charges over Air France Concorde disaster
  • Nine oil workers die as helicopter crashes in Siberia
  • Boeing 767 cargo plane seriously damaged by fire at San Francisco
  • Cargo plane crashes near Khartoum; at least four dead
  • Cargo plane crash in Sudan leaves seven dead with one survivor
  • Air safety group says airport was operating illegally without license when Garuda Indonesia Flight 200 crashed
  • Sudan Airways grounded
  • Peacekeeping helicopter crash kills four in Bosnia
  • Report finds LOT Airlines plane was lost over London due to pilot error
  • Indonesian police hand over Garuda Indonesia Flight 200 report to prosecutors
  • US B-2 bomber crash in Guam caused by moisture on sensors
  • Silverjet ceases operations and enters administration
  • Nine killed as Russian cargo plane crashes in Siberia
  • Boeing pushes back 737 replacement development
  • Airliner hijacker found working for British Airways
  • Five of six accused over 9/11 to be tried; charges against ’20th hijacker’ dropped
  • British Airways Flight 38 suffered low fuel pressure; investigation continues
  • Ex-head of Qantas freight operations in US jailed for price fixing
  • Search for Brazilian plane with four UK passengers called off after seven days
  • Spectator killed and 10 injured in German airshow crash
  • Japan Airlines fined US$110 million for price fixing
  • Indonesia angered as nation’s airlines all remain banned in EU airspace
  • Airbus parent EADS wins £13 billion UK RAF airtanker contract
  • Final report blames instrument failure for Adam Air Flight 574 disaster
  • Indonesia grounds Adam Air; may be permanently shut down in three months
  • Adam Air hits severe financial problems; may be shut down in three weeks
  • Alitalia conditionally accepts joint bid by Air France and KLM
  • One year on: IFALPA’s representative to ICAO, pilot and lawyer on ongoing prosecution of Garuda Indonesia Flight 200 pilot
  • Adam Air may be shut down after string of accidents
  • Five injured as Adam Air 737 overruns Batam island runway
  • Northrop Grumman and Airbus parent EADS defeat Boeing for $40 billion US airtanker contract
  • Garuda Indonesia Flight 200 pilot released on bail
  • Concern as Garuda Indonesia Flight 200 pilot arrested and charged
  • 16-year-old arrested over alleged plot to hijack US airliner
  • 2007 was particularly good year for aviation safety
  • No injuries after Antarctica research station support plane crashes
  • Indian Air Force jet catches fire and crashes after refuelling at Biju Patnaik Airport
  • Cathal Ryan, early board member and son of co-founder of Irish flag carrier Ryanair, dies at 48
  • Indonesia’s transport minister tells airlines not to buy European aircraft due to EU ban
  • Indonesian air industry signs safety deal ahead of EU ban review
  • Australia completes inquest for victims of Garuda Indonesia Flight 200
  • Five injured as Mandala Airlines 737 overshoots runway in Malang, Indonesia
  • Calls made for prosecution in light of Garuda Indonesia Flight 200 report
  • Four killed as helicopter escorting Pakistani President Pervez Musharraf crashes
  • Dozens killed in Congo plane crash, transport minister fired
  • Death toll in One-Two-Go crash reaches 90
  • American Airlines MD-80 engine fire prompts emergency landing
  • Aircraft crashes during mock dogfight at Shoreham Airshow, United Kingdom
  • Adam Air ticket sales revive after post-crash slump
  • Comair Flight 5191 co-pilot, pilot’s widow sue FAA, airport, chart manufacturer
  • Four Boeing 737’s found with similar fault to China Airlines plane; inspection deadline shortened
  • Pakistan test fires nuclear-capable cruise missile
  • Black boxes retrieved from lost Indonesian airliner after eight months
  • EU bans all Indonesian airlines as well as several from Russia, Ukraine and Angola
  • Indonesia shuts down 4 airlines and grounds 5 others over safety concerns
  • Scottish Criminal Cases Review Commission to review Pan Am Flight 103 conviction
  • European Union to fund scheme to reduce aircraft emissions and noise pollution
  • Air Independence and Libyan Airlines place orders for Bombardier aircraft valued at $190 million
  • Cessna to display seven aircraft and new cabin concept at Paris Air Show
  • Light plane flips over during landing at air show in Worcester, UK
  • Aeroflot negotiates purchase of 22 new Boeing 787 Dreamliner aircraft
  • Aer Lingus buys twelve new long-haul Airbus jets
  • NTSB announces safety recommendations to be made in aftermath of Comair Flight 5191 disaster
This Category ‘sub-page’ will display up to 500 articles which one of the project’s contributors has written on a specific topic.

This category currently contains no pages or media.

US Nazi leader talks about Barack Obama, the economy and more

Saturday, November 22, 2008

The National Socialist Movement is, according to its website, the largest and most active Nazi party in the United States. Accordingly, it refers to itself as ‘America’s Nazi Party’ and aims to instigate major change in the US.

Wikinews was able to conduct an interview with the head of the party, Commander Jeff Schoep. Fresh back from a march in Missouri, Commander Schoep told Wikinews his views on Barack Obama, the economy and much more.

Read the full exclusive interview below:

US Nazi leader talks about Barack Obama, the economy and more

Saturday, November 22, 2008

The National Socialist Movement is, according to its website, the largest and most active Nazi party in the United States. Accordingly, it refers to itself as ‘America’s Nazi Party’ and aims to instigate major change in the US.

Wikinews was able to conduct an interview with the head of the party, Commander Jeff Schoep. Fresh back from a march in Missouri, Commander Schoep told Wikinews his views on Barack Obama, the economy and much more.

Read the full exclusive interview below:

Car Hire Ibizia}

Here’s An Opinion On:

Car Hire Ibizia


john smiths

Ibizia is the third largest island in the archipelago of Balearic Islands in the Mediterranean Sea off Spain. It is a Pine Island, known for its summer parties. It is the undisputed partying capital of the world. There are many clubs, named Space, Pacha, DC10, Eden, Eclipse, Caf del Mar, Es Paradise, El Divino. In the district of Ibizia tourists throng at the legendary port. These clubs provide for a scintillating night life, music and the best DJs in the world. Large portions of the island have been declared to be U.N World Heritage Sites, because of their rustic beauty. These places are used for film shoots and recording of songs. There are white beaches, with crystal clear water and enchanting dives. The Egg of Columbus in Sant Antoni, Eivissa, Cala de sa Galera , a historic city and many monuments are there. The place attracts a lot of tourists. Transportation of the tourists is the responsibility of

car hire Ibizia

. It is well organized and well managed with reservations mostly done online.

Tourists can come to Ibzia by plane or by boat.

Car hire Ibzia

has its outlets at the air port and close to the beaches. The car hirer collects the keys of the car immediately on arrival if a prior booking is already done. The keys are handed over after verification of his credentials, like the driving license, passport confirming his age to be above 23 years, and an experience of driving for a year.

The hirer has an option to choose from a variety of well maintained, modern cars with special amenities, such as an extra baby seat if required, ski-racks, extensive sound system, luggage racks, Bicycle racks, roof boxes and trailers. These cars are compact to large convertibles, economy to luxury vehicles and vans. They are from Smart ka, 21 and Peugeot to Mercedes Benz E Class, Jaguars, Audi and others. If required additional chauffeur is also provided. All the cars have GPS systems fitted in them to guide the driver with the entire map, the fastest direct route to the destination asked for by the hirer. The rental is all comprehensive, inclusive of the insurance charges and the cost of extra facilities provided.

All paper work right from booking to billing is done by a highly competent staff of

car hire Ibzia

. This includes providing comprehensive insurance of the hirer and the driver. A special care is taken to ensure safe and comfortable travel for the customer. Cars are hired out only after a check drive. When there are on the run, provision for 24 hours road support and also medical support is made available. It makes the hirer absolutely care free. The traveler enjoys visiting all important destinations in perfect comfort.

John Smiths,Hertz is associated with hertz car hire, airport car hire, car hire spain options available in UK & worldwide

Article Source:

eArticlesOnline.com }

Slovak escapes from avalanche using urine

Monday, January 31, 2005

Tatra Mountains –A Slovakian man who was trapped in his car under an avalanche, has escaped by urinating on ice to melt it. The man—who had 60 half-litre bottles of beer with him in the car—literally drank his way to safety.

“I was scooping the snow from above me and packing it down below the window, and then I peed on it to melt it,” he said.

Rescue workers found the man still drunk on a mountain path in Slovakia’s Tatra Mountains four days after his Audi car was buried.

“It was hard and now my kidneys and liver hurt. But I’m glad the beer I took on holiday turned out to be useful and I managed to get out of there,” he said.

He first planned to shovel the ice from outside his window, directly into his car, but soon realised that he would run out of room in his car before he would be able to reach the top.

Snowfalls of levels not seen since 1941 have fallen over parts of Europe over the past week. Some places have registered more than 3 meters of snow in 24 hours.

Prince William marries Kate Middleton—live updates

« Older Entries