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Articles from Hector Quiroga | Selfgrowth.com
- Traffic Light Accident Disputes - by Submitted on Apr 25, 2012 from Hector QuirogaA traffic light accident dispute is perhaps one of the most common accidents out there. The facts are obvious, one driver will argue that the light was green and the other one will argue that the light was red. They will blame each other as to who had the right of way. Absent any witnesses or ...
Views: 3232 - Auto Policy Coverage and Exclusions - Learn to Read and Interpret Key Sections of Your Policy - by Submitted on Apr 25, 2012 from Hector QuirogaThe auto policy exclusions are perhaps the number one way insurance companies confuse an insured regarding what is and what is not covered. Often, they exclude coverage simply because an exclusion is commonly applied, but fail to read your specific auto policy. To complicate matters, what can ...
Views: 926 - The Business Use Exclusion: How Most Auto Policies Exclude Coverage for Business Use - by Submitted on Apr 25, 2012 from Hector QuirogaPerhaps one of the most common exclusions insurance companies use to exclude coverage in any given consumer claim is "the business use" exclusion. According to most personal auto insurance policies, an accident or loss in the process of business use is excluded. The rational behind this ...
Views: 948 - Negotiation Techniques Used Against Consumers by Insurance Adjusters - by Submitted on Apr 25, 2012 from Hector QuirogaAs an ex-adjuster, I would like to share the most useful techniques I employed when settling injury claims. The first technique is often referred to as Dancing Chairs. The second technique, I referred to "Think Money! Not things." Dancing Chairs is a very common technique used against ...
Views: 1462 - Rules to Remember for a Persuasive Settlement Demand Letter - by Submitted on Apr 25, 2012 from Hector QuirogaAs an ex-claim adjuster (now an attorney), I have seen many injury demand letters that seek to increase an award of damages (typically pain and suffering). Some are so badly drafted that they could actually decrease the settlement amount an insurance company would offer. Many consumers attempt ...
Views: 1120 - The Settlement Demand Letter - Structure and Its Contents - by Submitted on Apr 25, 2012 from Hector QuirogaA settlement demand letter should be written and delivered to an insurance company when you are ready to release any rights against the at fault party, in exchange for award of money (what you are demanding). Although your settlement demand is nothing more than a letter describing your ...
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