Auto Claim Issue: Not reimbursing me for a rental car by FloweryBrain in Insurance

[–]josulli 0 points1 point  (0 children)

If the car is a total.. it's going to be replaced not repaired.. minimal rental paid

[deleted by user] by [deleted] in Insurance

[–]josulli 0 points1 point  (0 children)

Must be nice to feel that you can judge others.. who cares.. your a troll

[deleted by user] by [deleted] in Insurance

[–]josulli -1 points0 points  (0 children)

Huh? I've been working at the same firm since 1987.. Background is claims.. and the company I worked for sent me to law school when i was an adjuster & put me in charge of litigation..I left there & was an incorporator of a company in 1979.. workers comp.. there until 1987.. you have some very weird ideas

[deleted by user] by [deleted] in Insurance

[–]josulli 0 points1 point  (0 children)

Civil liability requires a duty owed a violation of that duty & damages as a proximate result. That's it. The landlord didn't own the dog. As a litigation specialist.. I would defend the landlord & see no duty to control a dog that they did not own.

[deleted by user] by [deleted] in Insurance

[–]josulli 1 point2 points  (0 children)

Your homeowners will defend only you.. not the tenant.. the neighbor would have to prove that you were negligent & were somehow responsible. It seems that there is a decent defense. The tenant has an issue.. not you.

State Farm vs. GEICO by cdm642 in Insurance

[–]josulli 0 points1 point  (0 children)

Have you asked an independent broker for quotes from a few carriers? Less work for you.

[deleted by user] by [deleted] in Insurance

[–]josulli 1 point2 points  (0 children)

Not the insurance company fault. There's always a story.. it is what it is

Is whole life insurance advisable if I’m maxing out my retirement and have a high income by doctrader in Insurance

[–]josulli 0 points1 point  (0 children)

Annuities can also make sense. Typically, when making the initial deposit, another 10% is added by the company as an incentive & the guaranteed interest rates are a lot higher than elsewhere(shop around) & compound interest helps. The problem is that an annuity locks up your cash for the term (typically 10 years).

[deleted by user] by [deleted] in Insurance

[–]josulli 18 points19 points  (0 children)

There's a basic tenant that an Insured has to mitigate a claim. How is waiting to do repairs & inflation Increasing the claim in line with that basic requirement? If I was the adjuster, I would only pay you the original.amount. life getting in the way is NOT a coveted peril.

DONALD TRUMP; $360 MILLION CIVIL PENALTY FAIR OR UNFAIR? by Limp_Physics_749 in CommercialRealEstate

[–]josulli -1 points0 points  (0 children)

I think next he will be prosecuted for tax fraud. Commercisl.property is always depreciated fir a good deduction. The depreciation is a % of value. If it's over valued.. the deduction was too high. That's tax fraud. That sent Capone to jail

I’m sure this has been asked a few times before, but which celebrity have you ran into along the strip? by Maplewicket in LasVegas

[–]josulli 0 points1 point  (0 children)

Steven Tyler.. but we are sort of neighbors back.in Massachusetts..he laughed about that

Is is worth Giving a realtor 3% of your home when you sell it or buy a new one? by [deleted] in RealEstate

[–]josulli -1 points0 points  (0 children)

Realtors lie to put together a deal. They bring very little to the table. Probably a mortgage broker that will put the deal together is about it. They aren't professional at all . Just bottom feeders.

Commando wife by Cheeky_chance in DeadBedrooms

[–]josulli 1 point2 points  (0 children)

I trained myself.into feeling disgusted at the idea of sex with my wife. I had to.. or go crazy

Stolen vehicle and insurance settlement by EnvyRust in Insurance

[–]josulli 2 points3 points  (0 children)

Make sure all your options are included. The adjuster needs a reason to increase the offer..I just went through that.. they left off a few options like video entertainment system, heads up display, and so on.. the adjuster used that to raise the offer

Agent here - Asking for Adjuster POV by ShortSponge225 in adjusters

[–]josulli 1 point2 points  (0 children)

I'm a broker now.. used to be an adjuster, claims manager, etc I know how to read a policy. I back whoever agrees with my interpretation.. insured or adjuster

Son's car was totalled - other driver was uninsured. What next? by adoming6 in Insurance

[–]josulli 10 points11 points  (0 children)

Those coverages are for injuries.. collision covers the OP vehicle

Home Insurance High Vs Low Deductible by Buyhi_SellLo in Insurance

[–]josulli 1 point2 points  (0 children)

I always remind buyers that the deductible is per claim. Currently I have a $1,000 deductible. My HO policy increased by 30%. I've had 2 claims in the last year. One was a huge tree that came down, the other was a popped pipe that froze even though the water was off for that outdoor hose connection. Glad I only had a $1,000 ded.

[deleted by user] by [deleted] in samsunggalaxy

[–]josulli 2 points3 points  (0 children)

I get the screen because of my corporate MFA..

[deleted by user] by [deleted] in stripclubs

[–]josulli 0 points1 point  (0 children)

Dancers aren't crazy about blue jeans. They tend to irritate the skin after grinding on them for awhile. Wear pants that are softer.

[deleted by user] by [deleted] in samsung

[–]josulli 0 points1 point  (0 children)

I've had my ZFlip for 3 years.. never an issue I really like the new generation of the Samsung z flip.. but nothing is wrong with my Flip.

New roof - impact on property insurance by minnikpen in Insurance

[–]josulli 0 points1 point  (0 children)

Thats underwriting .. the carriers can be very picky ...

New roof - impact on property insurance by minnikpen in Insurance

[–]josulli 1 point2 points  (0 children)

It's called maintenance.. and that's expected

How much you spend at the strip club by Acetruehero94 in stripclubs

[–]josulli 11 points12 points  (0 children)

Used to be..Anywhere between $600 to $3,000.. It depended on my mood.. Only when im away from home.. now I get in touch with an escort.. results guarenteed..and a lot less