I’m Beaux Pilgrim - Welcome to Reed Insurance! This channel will teach you about all things insurance - from homeowners insurance to renters, auto and car insurance, business policies, general insurance claims, different coverage options and how to prepare for emergency situations like floods, earthquakes, roof damage, bodily injury, and more.
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Insurance Agency | Dave Ramsey Endorsed Provider | Home, Auto, Life, and Business Insurance in Arkansas, Louisiana, Mississippi, & Texas | Call or Text 318-336-5202 | email reed@reedinsla.com
Hi Beaux I like your videos. Can you make some videos about life insurance or do you have some that I’m not seeing? I’m trying to get into selling insurance especially life. Thanks.
@@michaelryan1274 Thank you for the request. I don’t have any content on life insurance and have stayed away from the topic as I don’t specialize in it. I can tell you this, Life insurance sales is a very financial rewarding profession plus you are able to help so many families. Good luck to you.
Ley say, you're driving home with 3 friends a drunk driver hits your vehicle, injures everyone and run away from the accident. If you have uninsured/underinsured of $20,000/$40,000. Your medical bills are $35,000, while the insure company divide the $40,000 amongst 4 people or do your medical bill have priority. Do the passengers have access to your uninsured/underinsured BI. Can the parents of the passengers sue your insurance company when its the other driver is liable?
@@martinyates8192 It will be applied to each person as they have medical expenses. No priority is given to the owner of the policy. Some states this lawsuit can happen.
I had a rental car and somebody hit me in the back and I fixed the rental car and brought it back and they didn't even recognize the the car was damaged I have an insurance they have insurance the people that hit me and can I go to their insurance and get paid
@@user-tp6yk9lm6j it will be difficult after the repairs have been made, but you may be able to do that. Present photos, paid invoice, police report and any eye witness reports, you might be able to recover your money.
Beaux - My new landlord has decided to require renters to get renter's insurance. I've never had that before and need some help. Can you recommend reputable agencies for Vermont specifically or even nationally ? I've heard some bad things about some of the big name companies so I don't trust advertising. Can you give me any help with this problem ? Thanks for the great advice in this video !
MUTUAL AND SAFECO ARE CONNECTED I WISH THEY WOULD CARE MORE ABOUT THEIR CUSTOMERS THAN THEIR COMMERCIAL THEY WILL DROP YOU IN A SECOND. LAKES AND PONDS GET DIRTY AND GREEN, BUT MY POOL WAS DIRTY DURING THE WINTER AND THEY GAVE ME LESS THAN 2 MONTH TO PUT IN A PROFESSIONALLY INSTALLED POOL COVER . THEY CAN MENTION IN THEIR AD AND COMMERCIALS THAT THEY CARE BUT THEY DON'T. WHAT ABOUT ALL THE YEARS THAT WE PAY FOR INSURANCE AND NEVER USE IT. WE ARE MANDATED TO HAVE INSURANCE BY THE GOVERNMENT BUT THE GOVERNMENT IS ALLOWING INSURANCES TO DROP PEOPLE LEFT AND RIGHT. INVEST YOUR MONEY ON US NOT YOUR COMMERCIALS
Insurance polices are complex and there are many options. This is one of the reasons it is important to pick and independent insurance agency that is know just for having cheaper prices. An independent insurance agency works for you. A good one will make sure you understand what you are buying before you buy.
#1. Thank you for the video, I was expecting another video about how adjusters are always trying to rip you off. It was refreshing to find that was not the case. As a property claims adjuster for 16 years, 7 of those with a major carrier and 9 as an independent adjuster (not a storm chaser type), and having worked both residential and commercial claims ranging from $500 to $5M (over the course of my career), I can honestly say that it is SO MUCH EASIER to find a way to pay a claim (i.e. coverage opportunities) than to have to deny coverage, and just about any claims person I’ve ever talked to about that has agreed. Denying claims sucks and it’s not a discussion we look forward to. The issue generally stems from property owners not understanding that an insurance policy is a contract, and the property owner and the insurance companies agree beforehand what is going to happen under just about any given circumstances. And generally you get less coverage for by opting to go cheap (i.e. like opting to save money and getting a “cosmetic damage” endorsement on your roof). That is all set in motion and the contract is signed and all parties have agreed to its conditions typically long before an adjuster enters the picture. All the adjuster has is to rely on is the facts of what happened and what the policy dictates is to happen in response. Oh course, like any other industry, you’re going have some a$$holes, but that’s just people in general (including property owners). Deductibles: don’t blame your deductible on your adjuster. RCV: don’t blame your adjuster if you didn’t opt for replacement cost coverage. Insurance fraud: it’s a real thing. Luckily, the vast majority of are good. However, it’s not terribly uncommon. The faster I can get all parties to agree that the proposed settlement is fair and reasonable, get the insured paid, and get the claim is closed the better. I wish everyone one the best. #maga #infowars
I'm new to this. Question. How many roofing contractors can I have at the initial adjusters meeting? I haven't decided which one to go with although I've talked to three and they all seem pretty good. I hope you see this and reply quickly. My adjuster's meeting is on Tuesday. Thank you... 🤗 I hate to ask one of the roofing contractors this question so here I am... 😊
@@gloriasilence I would not ask more than one to be there. The adjuster may be a little on guard when the roofer shows up unless you let them know and explain why you want the roofer there. You may let the adjuster know by saying “I would like my roofer to be there so they can understand the scope of work and they don’t have to reply on me to explain since I am not a roofer. Their name is _______, have you worked with them before?” You may ask each contractor if they have worked with your insurance company and if they know the adjuster by name. If they are friendly, the one who does might be your best option.
I recommend that EVERYONE gets gap insurance at the back so that they’ll never be upside down if their vehicle is totaled. My brand new motorcycle got totaled and I would be upside down if I didn’t get that gap insurance.
Great content! I have a quick question, would you recommend getting a MRI done even if you're not sure you need one, will the at fault insurance pay for it?
I think this depends on the severity of the accident. If you struck your head or had a jar that left you stiff or sore, then yes. The insurance company of the at-fault party would decide if they will pay or not, but they should. Also, your health insurance will pay upfront and will try to recoup from the other insurance company. If you go this route, you will have to pay your deductible, but your health insurance company will try to recoup that and the expenses.
@@vir70eli72 we all have a job to do. Their’s is to represent their company’s interests. Not saying to treat the badly or with disrespect, I’m saying I acknowledge that they have a job to do and it’s NOT in the interest of the insured, but the insurer.
To whom it may concern at Safeco and Liberty Mutual I am one of your poor customers that with great efforts is responsible and follows the regulations of having insurance. Your promise to make it easy for your customers is a false statement. I am a widow. I live alone, and unfortunately, while performing my job as a paraeducator for special needs children, I was bitten and scratched by a student and developed sepsis. I was in the hospital for 11 days when released I had to use a walker Sepsis affected me a great deal. I am not where I used to be, and unfortunately, I may not ever get to be as healthy and fit as I used to be. I had to stop working as a paraeducator. I am currently on disability. Because doctors refuse to treat anyone with workers comp insurance, I have yet to see the doctors that I need to see that were recommended by the medical evaluator. I continue giving and doing all that I'm able to do with a smile, until yet another insurance company like yours lets me know that a poor person is worthless to you. I'm thankful that God loves me rich or poor. I know my situation is not of your concern. I wanted you to know the kind of person you are kicking off your insurance company. You have given me less than 2 months to find an affordable company to install a pool cover professionally. I asked my agent to have Safeco provide a picture of the specific cover Safeco requires.I absolutely cannot afford the first one, let alone a second, because it may not meet your requirements. Safeco will not furnish any guidelines or pictures for what you want. Which goes to prove that you want me to fail so that you can discard another deficient person from your insurance. In this day and age, everyone shops from Amazon, but Safeco won't approve a pool cover from Amazon. I have insurance because that is what is required. I’m not one of your rich clients who can install anything at any cost. I know I am not an exception to the rule, I wonder how many other poor people you are forcing off. Just because we are not rich. Not having money does not make us less important. Are there enough rich people to sustain your insurance company? You may be able to dispose of all the poor people from Safeco . Unfortunately, you still need us to perform the humble jobs that you can't or won't do. Do you know how many lakes get cloudy or green during the summer? Do you threaten the parks? Do you impose fear on them? Why don't you? Would it be because it's the government and you need them, or because the government has money? Or both???? AT SAFECO INSURANCE, WE UNDERSTAND YOUR LIFE IS PRECIOUS-AND SO IS THE LIFE YOU WORKED HARD TO BUILD. This is also a false statement. God bless you
haha. Well, no doubt it is a balancing act of keeping their employer happy and also the customer. But at the end of the day, if they abide by the insurance policy, pay for damages, and pay at the market price, they will accomplish both.
Is their a time limit on when the at fault driver insurance/adjuster have to get back to you with information? I emailed them all details about the accident 3 weeks ago including pics and videos and I’ve called and emailed them 2-3 times a week only to get a response last week that they’re waiting to hear back from their insured client who’s at fault.
In most states, 30 days is what is required by law. 3 weeks is too long. We usually see a timeline of from when the claim starts to when the vehicle is in the shop is about 2 weeks. Then you are at the mercy of the shop. I would ask for a supervisor.
@@vir70eli72Hey I need some piece of information today morning I met with an accident and that guy coming from the community which is blind spot and he came directly into the two way road and I hit him police said it's not your fault. Cai get the same in report or they also ask the other guy what's happen I need to know
Thanks for this video! I'd like to have a conversation with you about your content and experience. I recently had to file a claim and want to get a better understanding of the inner works. Please reach out.
90% OF YOU WHO DON'T HAVE INJURIES won't RELATE TO THIS VIDEO BECAUSE UNLESS IT'S A MINOR DENT OR SCRATCH ON a 60,000 + DOLLAR VEHICLE ; BECAUSE THE ADULT POPULATION HAS EXPLODED AND BODY SHOPS ARE SO BEHIND AND CANT GET PARTS FOR WEEKS OR MONTHS , SO THE INSURANCE TOTALS 80% OF THE TIME NOW , AND SCREWS ALMOST EVERYONE ESPECIALLY IF YOU ARE STILL PAYING ON YOUR CAR .
100% incorrect. Body shops that are run well are not backed up. 80% of claims are not totaled The adult population has not exploded. Insurance companies are not in the business of screwing people. Don't know what you are saying in the before the ";"
We've been with the same carrier (AAA) for 24 years, with one claim. You'd think, after at least $40k in profit off of us so far, that they know we're a low risk. I'm sorry, capitalists are going to maximize their profits, they don't care about you or your home. They'll drop you like a hot potato if they think it'll improve their bottom line. Time was, people knew each other, small businesses served their communities, bankers lent to people they actually knew from town. Now we're all at the mercy of giant corporations who see you as a resource, not a human. You're a source of money for them. Heaven help you if you don't mow your lawn. What a load of bull puckey.
I was hit from behind and I wasn’t at fault the impact was so strong it made me rear end someone in front of me smh 🤦♂️ like where do people get there licenses from?
You can build any house you want. You will be locked into the limit only in that they will not pay more than that. The company will pay the lesser of these: The amount it takes to repair, replace, or rebuild your home. If the home costs less than your limit, they pay you that much The home costs you more than your limit, then they will pay up to your limit. If you don't want to build at all, they give you a check for the market value of your home.
This seems biased to me. There is a major point that is not discussed in this video, which is the fact that in California, a lot of homes are expensive and insurance companies are looking for ways out of insuring their customers any longer. This would lead a company (who is trying to make a profit) to find excuses to reject customers who will then be at higher risk of losing everything.
All insurance companies are looking to make a profit. They don't stay in business if they do not make a profit. The insurance company will cancel if they see that the property is undesirable. Just like anyone who goes to a restaurant and sees that the upkeep of the property is undesirable, they will leave. Same principle.
I was in accident on the 27 t boned they ran a red light I broke my ankle 3 fractured ribs vehicle is totaled I got lawyer about the second week. The others ppl. Insurance. Totaled it out and. I been to therapy now. What’s next process I was told I was to receive pip but lawyer. Said it would be all together in claim I kinda need that now
you will have to wait on the legal process now since a lawyer is involved. Do not try to deal with the insurance company directly as they legally cannot. They have to deal with the lawyer. If the lawyer does not pursue the PIP, you will need to hire another lawyer.
I was in accident on the 27 t boned they ran a red light I broke my ankle 3 fractured ribs vehicle is totaled I got lawyer about the second week. The others ppl. Insurance. Totaled it out and. I been to therapy now. What’s next process I was told I was to receive pip but lawyer. Said it would be all together in claim I kinda need that now
You will have to wait on the legal process now since a lawyer is involved. Do not try to deal with the insurance company directly as they legally cannot. They have to deal with the lawyer. If the lawyer does not pursue the PIP, you will need to hire another lawyer.
I was hit in the side of my car while crossing the street which ran parallel to the train tracks I had just came over. The other driver admitted to the police that she was at fault. My insurance provider said that I was on my own since I didnt have collision. The other drivers insurance provider kept blaming me for the accident for over a month and a half, until I threatened them with a lawyer. Could I have sued my insurance provider?
if you do not have collission insurance, then no, you can't sue your insurance provider. You don't have the coverage necessary. Your insurance agent can give you advice; there is nothing they can do past that. If you have any witnesses, if might be time to bring them into the claim.
What if I’m going on a month of driving a car with a damaged car and adjuster is not returning my calls, at fault driver, and my insurances calls. I was given a ticket for the missing mirror on my car… what do you advise?
Ask for the supervisor. If no success there, move up the line. You can also report to the Department of Insurance. They usually respond quickly. Who is the insurance company?
My Insurance agent did not give me enough coverage. That's her job to make sure her clients are protected. She failed to do her ethical duty. Just needed to sell me Insurance. My garage was covered up to $20,000.00. Had a tornado and it was demolished . Cost of damages was $28,000.00.
Please connected with them. If the adjuster came sure everything would make sure it comes under that as well as take to him further procedure process. When sending loss draft department make sure ur check fully endorsed mature adjust the report all pages are available also send outgoing envelope create CPP portal.
The system is messed up. Needs to be revamped to protect the consumer. Insurance agency just try to sell you coverage without any expertise or knowledge of how much coverage you need.
Please feel free to explain how the system could be made better. Your blanket statement is not accurate. That would be like me saying "no insured understands insurance, or all insureds like to hide details about their claims history." Just simply not true. If you have had an experience where an agency has not given you advise or been willing to discuss your coverage needs, maybe you need to hire a new agent. Or just buy it online without an agent, if you have the answers you need, know what you want, and have in-depth knowledge of the insurance contract.
In most cases, you would have to add extra coverage for that. Comprehensive will cover fire, but only to stock parts. Anything aftermarket will need to be "scheduled"
That is a plane just like what he's saying I just told my truck it wasn't my fault they're just her came over he evaluated my truck he included everything that I had done to my truck whether your truck is fully packaged power windows cruise control if you change the radio and your vehicle if you change the tires any custom stuff that didn't come with the truck when you bought it they will pay for it they will refund you anything that was done even after the accident I don't know where he gets his information and this just happened to me a couple of weeks ago but don't believe this dude you will get more than you thought your vehicle was worth because my vehicle is an '07 Toyota Tacoma and I was expecting at least six $7,000 for it it's got $230,000 mi and they were giving me $13,000 to settle on the truck and I said no I want to buy it back so I bought the truck back from them because the truck still runs good the engine transmission were not touch I was barely t-bone on the passenger side but for them it was more costly to fix an old truck then to pay me so I think I got a pretty good deal and got my truck back and I got some cash in my pocket and I can still sell my truck if I want to and it runs great
I'm so worried whether my home will pass inspection because my Aunt recently moved in with me & all her stuff is now in boxes that totally filled up my two car garage & an entire bedroom! She's so attached to her things at age 95... Breaks her heart to lose any item. I don't know what to do. I take care of my house, but I can't do anything about the clutter right now. Exterior of house looks very nice, and we just put on a new roof, but I'm still worried. Please advise. Thank you for your time.
if they are inside and in an enclosed garage, it is probably okay. Companies are usually looking for stuff outside or close to breaker boxes and water heaters. If this is the case, you should be okay.
You will need to talk with an agent in that area. Two great agents you talk with from the DFW area are McClain Integra, The Phoneix Insurance, or Adam Bamford. All would take great care of you.
@@vir70eli72 Can you insure for any amount you want? For example, if your house is worth 600k can you get a policy that only insures 500K? Or can you get a policy that only covers the house, and not the things inside the house?
Recently in a car accident, the at fault driver never reported te crash. My insurance has been trying reach her but to reply. Her OWN insurance has been try to contact her for a statement and Still nothing. I found out shes a deputy sheriff, what should i do now?
Scenario One: NJ (no fault state) I own three cars. I decide to drop my collision coverage completely. BAM! Accident- the other guys fault. Who pays for my damaged vehicle/replacement or totaled? Scenario Two: NJ I own three cars. I decide to drop my collision coverage completely. BAM! Accident- my fault. Who pays for the other guys car's damages or replacement? (I know I'll have to pay for my own vehicle) Does this qualify me for being "Underinsured"?
Sorry, you will need to ask a NJ agent on this one. No fault could mean a lot of different things in the state. I suggest googling Auto Insurance and see who has the highest google ratings, call them, or call your agent. If you have a 800# agent, I would suggest calling a local agent, as they are usually more knowledgeable.
My car was hit in my work parking garage and the person took off. My work has own police department and are checking the camera recordings. Im waiting to see if police will find the car who hit me from recordings. Should i tell my insurance? I will have to pay $500 deductible. Or the whole thing if we dont find person.
Sorry to hear about the trouble. If I were you, I would file the claim on my insurance, unless you think the police have a good lead on the perpetrator. As it may take some time to catch the person.
