Can I sue my insurance company?

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mxs said:
Something can become a claim to an insurance company only if someone makes a claim. How can an invoice to other party than insurance company can mean it is a claim to them??? It only becomes a claim if someone claims from them damages of some sort? Pls explain.
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Very simple, the fire department claimed damages on his motorcycle policy. The damages claimed were for clean up of the roadway, traffic control, fire prevention and whatever other BS they wrote on the invoice.
 
PLau said:
Well...... I guess thats what home insurance is for as stupid as it may be..................
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You are correct, in the case of your house burning down the fire dept will try and make that claim against your homeowners insurance policy. But you have to ask yourself, don't I already pay for a fire dept to be there in case I need them. Isn't that why I pay taxes?

I guess the next step will be this. If your house is broken into the and police investigate this they will be sending you a bill for the investigation. (I know at least one police department has considered this).
 
i have a feeling that Mr.Platimun cycle is going to make many, many friends here

and also pick up some new clients this coming season.

too bad reps are gone, you'd be leading the pack witrh answers like these.
 
Platinum Cycle said:
You are correct, in the case of your house burning down the fire dept will try and make that claim against your homeowners insurance policy. But you have to ask yourself, don't I already pay for a fire dept to be there in case I need them. Isn't that why I pay taxes?

I guess the next step will be this. If your house is broken into the and police investigate this they will be sending you a bill for the investigation. (I know at least one police department has considered this).
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They are talking about user fees for a lot more things now..

Ambulance charges being a easy one.
 
braveheart said:
i have a feeling that Mr.Platimun cycle is going to make many, many friends here

and also pick up some new clients this coming season.

too bad reps are gone, you'd be leading the pack witrh answers like these.
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I'm not in the insurance sales business so I'm not looking for any clients.
 
Very simple, the fire department claimed damages on his motorcycle policy. The damages claimed were for clean up of the roadway, traffic control, fire prevention and whatever other BS they wrote on the invoice.
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the fire department didn't claim damages on my policy. they claimed them from me. they sent me a bill and the insurance company was cc'd on that invoice. Then they opened the claim. I dont know why the insurance company was even cc'd.
 
bitzz said:
It wasn't on your driver's abstract, it was on your insurance abstract. Nothing to do with the HTA.

You were in a single vehicle collision,all single vehicle collisions are at fault unless you can prove negligence on someone's part.
Can you prove someone else's negligence? No?... so no problem there.
I bet if you were travelling slower you would not have lost control of your vehicle, so no problem there.

...what was you problem again?
Your insurance company is now within their rights to do you for non-disclousure (Because you didn't tell tham about the collision). That'll raise your rates for you!
My advice to you is be nice to your insurance company in the hopes they don't list non-disclosure on you insurance record/abstract. Non-disclosure means facility for at least 3 years.
You DO NOT understand how insurance works.
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Don't normally step into other people's beef but....

Buddy, seriously, shut up.

One of the best and proven ways to learn for ANYTHING, whether it be music, workouts, racing, exams, tests, essays, work, whatever, is to MAKE MISTAKES. You do not realize your own weaknesses unless you make a mistake. You have no damn proof, no idea, no nothing at all to justify what you are saying. You are simply saying this **** to rile up the OP to feed your e-peen, ego, and arrogance. Take a good look in the mirror tomorrow morning. Maybe you'll have more friends and better relationships if you weren't purposely being such an ***; your statements aren't not true, but there's a way to make friends saying things, and ways to make people want to stab you after you say them. See what I did through this entire post?

Glad you're okay OP.
 
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Platinum Cycle said:
Very simple, the fire department claimed damages on his motorcycle policy. The damages claimed were for clean up of the roadway, traffic control, fire prevention and whatever other BS they wrote on the invoice.
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No they didn't. You guys keep putting words in OP's mouth ..... The fire dept. has sent an invoice to him (I understand he's the party on the invoice). The fire dept. did not bill the insurance company. The insurance company was sent a copy of the same invoice (unfortunately) and is trying to milk him. That's the way I see it. Legally, in my opinion, they don't have a case (because there was formally no claim case ever opened) and I would absolutely fight them on that. Because if people don't who knows what they will try the next time.
 
mxs said:
No they didn't. You guys keep putting words in OP's mouth ..... The fire dept. has sent an invoice to him (I understand he's the party on the invoice). The fire dept. did not bill the insurance company. The insurance company was sent a copy of the same invoice (unfortunately) and is trying to milk him. That's the way I see it. Legally, in my opinion, they don't have a case (because there was formally no claim case ever opened) and I would absolutely fight them on that. Because if people don't who knows what they will try the next time.
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The beef here is the sharing of the invoice, unfortunately I am not aware of any law that prevents that information being shared. Hence I don't see a potential claim.
The insurance company didn't bill him, they just added notification of the accident on his record.
 
Platinum Cycle said:
A great number of thoughts come to mind on this one.

1) As for the accident, to argue you aren't at fault for this incident is extremely difficult. Sorry if you don't like that but it's a fact.
2) This is a reportable claim to your insurer. Reason being another party suffered damages - The fire dept. The damages they suffered was the cost to respond to the scene, do the clean up, fire prevention or whatever other BS they wrote on the invoice. Your policy requires all such claims be reported to the insurance company, regardless of the dollar amount when it involves a third party.
3) Don't like fire depts charging you for services. Neither do I, which is why I have a particular interest in this area of insurance law. I don't mind telling you I am probably considered one of the leading experts in this area. It's a complex matter. I am sure there were possibly some good legal arguments as to why you didn't have to pay that fire dept bill. Too bad you already paid it but I understand why you did.

As an aside fire departments have become masters at extorting money from tax paying citizens who actually fund the fire dept to begin with. Your house burns down, wait for the fire dept bill of $5000 - $10000 or more. Don't believe me, look into. Even if you die in the fire they still want their bill paid.

4) At a minimum, you should ask your insurer to reimburse you what you paid the fire dept, and now that the claim is on your record you may as well make a claim for the damages to your motorcycle if you have collision coverage.
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YOU are the leading expert in this area ? bhahahah .. get your facts straight before you throw out such ********.
 
mxs said:
That's the way I see it. Legally, in my opinion, they don't have a case (because there was formally no claim case ever opened) and I would absolutely fight them on that. Because if people don't who knows what they will try the next time.
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A claim does not have to be opened in order to assess an at-fault crash against the insurance record and subsequent deemed risk of an insured party.
 
It seems that people think the insurance company must pay before adding an at-fault accident to your record. I thought the two actions could be independent. PC please confirm.

If I understand correctly, there was a third party that requested money (fire department). The rider paid, but due to a third party requesting money, the at-fault collision counts.

Here's where I get foggier, now that his record is already marred, would having the claim (ie. getting insurance company to pay for fire department and damage) make things any worse? Basically do the insurance companies count crashes or claims (or both)? Thx.
 
lol. Really? Jump down the claims adjuster's response. OK.

The OP wants to sue the insurance company because they didn't make a claim. He must have presented his insurance information to the fire department at the time of the incident or at sometime afterwards. How did they get the information? Why was it given? I understand providing the insurance information to law enforcement as it's required when requested.

Something is missing here.
 
infernobuster said:
Oh i read it alright. Please enlighten me where you get your facts from.
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Over 20 years in the Insurance Claims Industry, including the defence of approximately 350 separate court actions on fire department billing practices, not to mention a Canadaian Charter of Rights and Freedoms Challenge before the Ontario Superior Court and Ontario Court of Appeal.
 
infernobuster said:
Oh i read it alright. Please enlighten me where you get your facts from.
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Clearly a troll... lol.

PC: I'd be interested in what part you think I'm wrong about.

Inferno: Just tell me where you get your facts from.

Doesn't even seem like he read anything.
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