i was on vacation and 2nd day of the trip i was hit by a semi. I’ve been dealin with insurances now for 2 months. I’m fed up with dealing with this mess and im thinking about calling monday and talking to the trucking company directly to negotiate a settlement. according to http://www.autoinsuranceremedy.com/california-auto-insurance.php
cali. minimum liability is 30,000 and im thinking about just asking for that and ending the transition.
1. would they be likely to just settle for that amount? because we have talked about setteling after they pay my medicals and i get a new car.. but i figure skip all that and gimme the 30 and itll pay everything.
2. Is this a reasonable amount to ask for, and does cali state law back me (or what does "minimum liability insurance" mean)?
3. Do you have any advice on what i should say, do or go about this? besides lawyers because ive already went that route and i could continue but i just want to settle and be done with this… lawyers take too long. i mean by all means if they deny me i will continue through my lawyer and i feel in this particular case i would win anyways and the trucking company knows this.
thanks.
ps. i have talked to the trucking company regularly and they have been sending me checks to pay for my rental since the insurance (geico) has paid as much as they were obligated to. Now (according to geico) i have to deal with the trucking company directly for any other claims and so i have been. I have a lawyer but feel that he hasnt been too much help. Pretty much everything that i have gotten is only because i called May Trucking company myself and they have been pretty compensating and said themselves they would like to settle. Im thinking say i want the 30 000 and that will cover the rest of my rental money they owe me. cover the overdraft fee they caused to my account (long story) and also cover my medical bills. What are my odds.
and again what does "minimum liability insurance" mean?
Archive for the ‘Vacation Rental Insurance’ Category
Bare with me here for a lil guys…
Hit by a semi. Insurances paid everything they were responsible for now I’m dealing with the semi company directly. The accident happened in Cali and the law says the minimum they owe to pay for everything is 30k.
Details…
-I get one vacation a year and it got cut short and ruined because their client hit me.
-back is killer and I get random foot cramps (don’t sound to bad but they are intense…seriously)
-semi driver was pulled over hour before he hit us and told he was driving too fast and needed to slow down (guess he didn’t listen and hit us). Paramedics also found an open and on laptop in the passengers seat.
-had to go out of our way and stay in the area we got hit for a couple days.
-plans completely changed meaning we had to spend a lot of money we initially didn’t have to but don’t really have receipts because they were small things… they just added up fast (but not too worried about that stuff)
-didn’t get to visit grandparents and it was supposed to be a big thing because I never see them. And my vacation for the year is now gone.
-car totaled and I still haven’t gotten a new one which is making my life hell for the past 2 months with work and everything. [Almost lost my job because of a lack of a car!!!]
-they lied about a check I was supposed to receive and I ended up getting over charged in my account costing me more money. Did end up receiving the check later though but wasn’t even enough to cover costs of car rental or overages in my account.
-cant drive next to semi’s without freaking the “f” out. I am always finding myself re positioning my self because I get extremely uncomfortable when driving.
-screwing up my credit for the past 2 months also because they still have not paid my medical and now I have collection agencies calling me wanting their money.
I was thinking about calling and settling outside court without a lawyer and say I want 60K. I know how they are goona work it and say they will give me 8k or whatever, but that’s barely even enough to cover bills. So well prolly end up at, if it goes the way I want around 30k to 35k. If not, definitely taking it to court with a lawyer. I just figure if I try and settle outside court that will be it and don’t and they will never talk to me again. Besides it will save us both on cost for lawyers and time.
Am I correct on this or am I over reacting. Because I believe I’m a well rounded individual and am definitely not a greedy person in the least but I feel I deserve some compensation for what they did. And they did take full responsibility.
So from experience where am I sitting?
P.S. we do have documented injuries from when we went to the hospital.
(This money will be split three ways to cover all of our costs. I’m not asking for the 30k for just myself.)
Anything helps… Thanks.
State : Texas
I’m looking into renting an apartment or condo in a prime area, the problem is I will not be there often and would love to rent it out as a vacation rental ( VRBO .com) or as corporate short-term housing while I am not using it. Is this possible if I am not the owner?
Any advice on what to look for in a contract? Also insurance coverage?
I understand sub-leasing is generally acceptable, but what about short-term vacation rentals?
Thank you!
I’m renting a Pontiac G5 for a week vacation in Florida. The car is /day and they wanted /day 6 extra for a week for collision insurance. I declined but now I’m thinking since I only have liability instead of collision on my own car insurance policy that maybe I should add it for that week. I’m a safe driver but will be in a new area I’ve never driven in. I’ve also heard that credit card can protect you, I used my Discover card but I’m not sure if they give any protection.
thx David_W. After some digging I found my answer. Discover card covers up to k collision but no theft. Wiki outlined the coverage for the major credit card companies here http://en.wikipedia.org/wiki/Damage_waiver
AMEX with the best coverage followed by Visa, Mastercard, and last by Discover. If I had known I would have used my Visa card, I’m going to see if I can change it but I’m glad I have collision at least.
the rental car if they are on the rental contract as a driver, but the car is in my name? I am planning a vacation with friends I have reserved a car and have full coverage insurance on my car and so it covers rentals for me, so if I have two friends also listed as drivers on the contract for the car that is rented in my name will my insurance cover them? I understand that insurance covers cars not people I’m just a little confused on this one.
Three Open Campus students consider the option of forming a lawn care and
landscaping business during their summer vacation. They estimate the following costs:
Insurance ,600; Equipment Rental Fees ,000; Fuel and Supplies per lawn
serviced and Miscellaneous expenses per lawn serviced
The projected revenue depends on the number of lawns serviced. The price per job is
EC. The going wage for a typical unskilled university student is approximately
,400 for the summer months.
a) Derive an equation for total accounting cost.
b) Derive an equation for total economic profit.
c) Compute the number of lawns that must be serviced during the summer for the
business to breakeven (in the accounting sense).
d) Realistically, the small business should expect to service about 200 lawns during the summer. Should the three students start the business?
Three Open Campus students consider the option of forming a lawn care and
landscaping business during their summer vacation. They estimate the following costs:
Insurance ,600; Equipment Rental Fees ,000; Fuel and Supplies per lawn
serviced and Miscellaneous expenses per lawn serviced
The projected revenue depends on the number of lawns serviced. The price per job is
EC. The going wage for a typical unskilled university student is approximately
,400 for the summer months.
a) Derive an equation for total accounting cost.
b) Derive an equation for total economic profit.
c) Compute the number of lawns that must be serviced during the summer for the
business to breakeven (in the accounting sense).
d) Realistically, the small business should expect to service about 200 lawns during the
summer. Should the three students start the business? Base your answer on rational
economic criteria.
Ok, so last year I graduated with a business and economics degree and havent had any luck with getting a job. I interviewed with three people in NYC but they said I seemed too young for what they were looking for or not experienced enough for the position. I am 24 and live in NJ. Im need to find a job soon so i can move in with my fiance. I am working at a retail store for now but its depressing and killing my self confidence. Life insurance jobs are not in my interest so dont suggest that.
Also, after I graduated I opened up an ice cream store, small business and it was successful. But i ended up selling it this summer b/c recession killed my traffic since the town i was in was a resort/rental town in which the recession hurt ppl from taking vacations all summer so i got outa the water with my head above the water.
I am smart, love researching, good with numbers, great with computers and electronics. I took a real estate class and finished best in the class but never got my license due to lack of funds at the time.
So if anyone out there is reading or can help out with some advice, links, headhunters, wutever that can land me a job or a path to follow i am listening. I need help .
I’m going on vacation and am planning to do a rental car there. Since I have an insurance from my visa credit card and I also have an auto insurance for my own car, I believe I don’t need to buy another insurance from the rental car company. When I rent a car, will they ask me to show any specific documents as a proof of auto insurance? Will I be ok if I just have a credit card and auto insurance card on my name?
I was involved in an accident this morning with my rental car and another car in orlando, florida and it was my fault. I saw the red light pushed the brakes but couldnt stop before the line and hit another car. the damage to the other car was not that much but the rental car was damaged quite badly. I was here on vacation. I live in NY and have Geico with collision coverage with 0 deductible. Since i have collision coverage, my insurance said that they will take care of the damages for everything except that i have to pay 0.
The problem is that the officer also gave me ticket of 4 points for disobeying red light. I already have 4 points of speeding in NY that i got just less than 3 years ago. Will these points be added to my license also? What should i do now?
I will appreciate any advise.
Thanks
Please explain it…Thank you very much!!
1. State whether the following pairs of goods are complements or substitutes.(If you think a pair is ambiguous in this respect, explain why.)
a. Tennis courts and squash courts.
b. Squash racquets and squash balls.
c. Ice cream and chocolate.
d. Cloth diapers and paper diapers.
2. How would each of the following affect the U.S. market supply curve for corn?
a. A new and improved crop rotation technique is discovered.
b. The price of fertilizer falls.
c. The government offers new tax breaks to farmers.
d. A tornado sweeps through Iowa.
3. Indicate how you think each of the following would shift demand in the indicated market:
a. Incomes of buyers in the market for Adirondack vacations increase.
b. Buyers in the market for pizza read a study linking hamburger consumption to heart disease.
c. The government offers new tax breaks to farmers.
d. A tornado sweeps through Iowa.
4. An Arizona student claims to have spotted a UFO over the desert outside of Tucson. How will his claim affect the supply (not the quantity supplied) of binoculars in Tucson stores?
5. What will happen to the equilibrium price and quantity of oranges if the wage paid to orange pickers rises?
6. How will an increase in the birth rate affect the equilibrium price of land?
7. What will happen to the equilibrium price and quantity of fish if fish oils are found to help prevent heart disease?
8. What will happen to the equilibrium price and quantity of beef if the price of chickenfeed increases?
9. Use supply and demand analysis to explain why hotel room rental rates near your campus during parents’ weekend and graduation weekend might differ from the rates charged during the rest of the year.
10. How will a new law mandating an increase in required levels of automobile insurance affect the equilibrium price and quantity in the market for new automobiles?
11. Suppose the current issue of the New York Times reports an outbreak of mad cow disease in Nebraska, as well as the discovery of a new breed of chicken that gains more weight than existing breeds that consume the same amount of food. How will these developments affect the equilibrium price and quantity of chickens sold in the United States?
12. What will happen to the equilibrium quantity and price of potatoes if population increases and a new, higher-yielding variety of potato plant is developed?
13. What will happen to the equilibrium price and quantity of apples if apples are discovered to help prevent colds and a fungus kills 10 percent of exiting apple trees?
14. What will happen to the equilibrium quantity and price of corn if the price of butter (a complement) increases and the price of fertilizer decreases?
15. Twenty-five years ago, tofu was available only from small businesses operating in predominantly Asian sections of large cities. Today tofu has become popular as a high-protein health food and is widely available in supermarkets throughout the United States. At the same time, tofu production has evolved to become factory based using modern food-processing technologies. Draw a diagram with demand and supply curves depicting the market for tofu 25 years ago and the market for tofu today. Given the information above, what does the demand-supply model predict about changes in the volume of tofu sold in the United States between then and now? What does it predict about changes in the price of tofu?
Does my homeowners insurance cover my stuff IE: computer, video camera, gps, etc., if it were stolen from a rental home while on vacation?
thanks
I asked this question yesterday & did get a few good responses but, a few responses that didn’t quite fit due to apparently more information being needed. A few mentioned my sisters as "first time drivers". They are not. They have been driving since they were 13 (farm equipement @ my Uncle’s & my dad’s friend owns a track on which they have both driven a Hemi Roadrunner, a 1970 Chevy Nova, etc on countless occasions so they are not unfamiliar with muscle at all. They also have had their licenses since the day they turned 16. Another person stated that they thought my sisters were selfish to ask for these. I proposed this whole thing, not them, on the basis that they came up with the money & recieved straight A’s through Junior High & high school & they have. Also, they are far from selfish. They do all the yard work on 23 Acres because for the past 5 years, my father has not been able to because of a heart attack. They come clean my house & take care of my dogs if I get stuck @ work or my fiance & I go on vacation without even needing to be asked. They also volunteer @ local soup kitchens. You couldn’t ask for better siblings & they are the definition of unselfish. As far as insurance is concerned, that is covered for them for the first year by myself & my father & they will be listed as secondary drivers under me so the cost is not all that bad. Another person noted that whenever he was writing up auto loans he would purposefully deny teenagers even with co-signers & that many others do too. I am not co-signing, the car will be in my name completely & yes I know the risks of this but, if they can’t pay, I have it. A few people mentioned that they should sell their trade & just find a car for 12k but, the problem with that is, it wouldn’t have the premium warranty I want for them (unless u were to pay over 2 grand more for the extended which still may not cover everything & would not last as long as I want it to). Our family is very, very busy & don’t really have the time to take them somewhere should they have to wait for a car to be fixed. With the new cars I’ve selected, all the warranties state that if the car goes in for any repair, a rental is provided free of charge & are full bumper-to-bumper warranties. So, with new information provided i would like some feedback to the question:
For my sisters’ Senior year, I asked that they come up with 5k by the end of summer & they came up with 8k for me to sign for a new car for them. Their trade is worth 4500 & with all that as a down payment, these are the cars they have narrowed it down to: A 2010 VW Tiguan that will cost them like 3 a month but it’s LOADED! Bike rack, heated seats & steering wheel, u name it, plus their oil changes, inspection & emissions would be free for the life of the car. A 2010 Mazda3 grand touring 5 door that will cost them like 6 a month & I know that’s not all-wheel or 4 wheel like I wanted them to have but my fiance has one that’s a couple years older & it goes great in snow so I guess I’m okay with that. There’s a 2010 Dodge Nitro we looked at before that will be 6 a month (actually less cuz we didn’t calculate their trade in when we looked). Another we looked at was a new Subaru WRX-STI that’s all-wheel, loaded & would be about 0/month. There was also a Mercedes 2009 M-Class we found that was a demo for a salesman & only has 15k miles, it’s all-wheel & loaded, even heated seats & steering wheel & I can get 0% financing on it, the payments will be slightly higher (3 a month) but I kinda saw their eyes light up when we looked at that. Plus with the payment split in half & that being the only bill they would have other than car insurance. (Dad pays cell bill) They still want to look at a new Pathfinder cuz they love mine but I think I might get jealous if they had a newer one than me, lol. And of course, they both are REALLY trying to talk me into the Dodge Challenger SRT-8 that would cost 0/month that we test drove just for fun but, now they want it. I know they could afford to split the payment on it & my father & I are covering the first 12 months of insurance. All have full warranties until the loan would be paid off. I’m a lil worried about the Challenger cuz I don’t want them to wreck in the snow. (We live in PA) What do you guys think? Also, today we looked at a new Cadillac SRX, A Nissan Rogue, & a Jeep Compass. The SRX is 1 a month, the Rogue & the compass are both about 9 a month.
I am going on vacation in Florida and am renting a car. I have car collision coverage through my credit card company but want to know if my regular liability insurance covers me while driving a rental too or do I need special insurance?
I am purchasing a second home near Canyon Lake, Texas. This house will be occupied by me or my immediate family approximately 50% of the year. The other half, I plan on short term rentals (3-5 days at a time). What would be the appropriate insurance(s) for this? I also plan to live in this second house full time in approximately 5 years, if that makes any difference.
My car got hit on the rear by a lady driving an SUB in Florida, we had 4 people on the car including myself, she admitted that it was her fault to the cop and my car was in driving condition except the trunk was unusable.
The police report sI was in a Car accident and I'm not at fault, need a little help on what to do..?
My car got hit on the rear by a lady driving an SUB in Florida, we had 4 people on the car including myself, she admitted that it was her fault to the cop and my car was in driving condition except the trunk was unusable.
The police report said that she rammed into me when I stopped for the red light and she rear ended me.I Faxed in my police report since the lady that crashed into me never did(Tried going into the lady's house today, and the security guard said that they might be on vacation since they have not seen the family for the week)
The other lady's insurance sent a guy to the bodyshop that my car is in to estimate the damage(according to the bodyshop), but the body shop owner asked me to give him my Insurance information, I told them that why and that I DID NOT want my insurance to pay for the repairs(in fear of getting higher rates), but they said that they needed it to check if it was "transferable", not sure what they mean by this, I did not give it to them, they shop has my claim number and the adjuster number already, according to the shop they already did sent it.
I rented a Car at hertz for 20 bucks and have it for 8 days now(the other insurance will pay for this right?)
I already called the girls insurance, and said they can't do anything yet, I got a letter from her insurance company:
"Writing Company name: Property & Casualty Insurance Company of Hartford
This will acknowledge our telephone conversation on the date 1/12/09.
We have not completed the investigation of this accident at this time(according to the car shop they did inspect the car for damages). We will contact you as soon as it is completed. We do noy make any commitment with respect to the lability of our insured at this time. –skip a few sentences about they not paying for unnecessary or excessive expenses—. If it is determined that our insured was liable in connection with your loss, we will reimburse you for the reasonable towing and storage charges associated with moving your vehicle and reasonable rental expenses plus any applicable sales tax. Please also be advised that a vehicle owner mau choose to utilize their own insurance coverages to help them with these matters and unnecessary delays."
What should I do here?I'm worried of ending up being the one paying a hefty amount for something that wasn't my fault.
What would you guys do if you where in my shoes: Wait or Pay the Deductible?
I will be going to Indiana University.
I am an international student and went to high school in the US so I got a 06 honda civic.
But in Bloomington, Indiana, since I will be in dorms, people say I don't need a car. Plus insurance is expensive so I am thinking about selling the car. The only time I will need a car will be when I go to other states during vacations and job interviews, then I will get a rental car.
Do you think I will need a caR?
We have a beach house that we rent out every summer so that we can pay our mortgage. For the past 2 years our neighbors at the beach, their friends from their area have rented out one week at our house and had a great time and have been excellent tenants. I have offered them a discount of 0 each summer because they are friends with our neighbors.
Let me preface this by saying that our lives are incredibly hectic due to running our own business, my husband has 2 jobs, we have many children and one of them has issues. And we have no help at home. So, being a landlord is one of my lowest priorities (family and work come first), but I truly try my best to make sure that people are happy when renting our home.
This past summer, there was major water damage at the home, caused by a clogged toilet upstairs (housecleaner clogged it). These friends of our neighbors were renting that week and walked in to find the major damage. I had a restoration service come in, insurance adjustors, etc., and the service tore out the walls, ceilings, carpets etc and it was a major mess, with huge dehumidification machines running for the rest of the week, floors torn up, it was not a fun place to be in. My insurance co. told me that all lost rental income would be reimbursed to us, so this family opted to stay in the home instead of moving to a motel that would cost them twice as much. I actually would have preferred that they left so that we could have the contractors in there nonstop, but they wanted to stay. They felt that they were doing us a favor by staying and monitoring things, but we didn't need them to stay. I felt so badly at their horrible living conditions and their ruined vacation week, that I blurted out "we will let you stay for free next summer" but immediately regretted it and my husband doesn't agree that they should get one free week (albeit in wretched conditions from last summer) AND a free week this summer.
They had only paid half of the rent for that week up to that point anyway, (they were bringing a check for the second half) so we only owed them half of the rent back.
We lost numerous weeks of rental income and had to reimburse those people immediately (before receiving the insurance reimbursement). Instead of having the restoration co do the renovations, we decided to use our own contractor so we also had to pay our contractor for his work, and purchase all of the replacement materials (flooring, bathroom sinks, tiles, etc.) It was really hard on us financially as we depend on that summer income to be able to pay the mortgage.
Unfortunately, our insurance reimbursement process has been dragged out for months due to: Our contractor was doing the work and then suffered a heart attack/stroke and almost died and was in the hospital, just got released last month. In addition, the insurance adjustor dragged his feet in doing the paperwork and we had to hound him for everything and it was really frustrating. The insurance co will not pay us the remaining half that was promised until the work is 90% completed, and the contractor can't go back to work for at least another month. So, we've only received dribs and drabs from the insurance.
I told the family that I would refund them their half/rent as soon as I got reimbursement from the insurance. They told me that was fine and didn't ask me for the funds. However in December they asked me about the check and that same day I received a partial payment from tthe insurance co. I mailed them the check we owed them, and it was LOST by the postal service (sent via priority mail and it was lost, the postal service is investigating but can't find it). They asked me a week later where the check was, I didn't know it was lost til then, and I promised them another check but it took me a few days to send it just because I have been crazy busy at work and home (sick mom, etc.). Got a mad email from the husband saying they've been incredibly patient, but don't know why this has taken so long, and they are looking forward to their free week this summer, but they are very angry and they didn't believe that I mailed that first check like I said I did (the one that was lost).
I truly did not mean to delay them getting their check but didn't have the funds to be able to refund them and thought they could wait.
My question is, for this summer, how much of a discount should I give them? The main problem is that they are friends with our beach neighbors and so I'm being judged by everything I do, by our neighbors whom I don't want to offend. I feel badly that I didn't refund them earlier, but I have a really busy life and didn't mean to offend them. It's been a great situation until now and that's why I hate renting to people whom we know, as something bad like this may happen. I was thinking of offering them 0 off but is that enough? Do you think I should charge them half off, but that is a huge amount? Keep in mind that they are "expecting" a free week
Just to clarify, we were forced to refund *other* renters payments as they could not stay in our home and had already paid. I did not refund the family in question's rent until recently. Hope this makes sense!
Thanks so much, appreciate your advice!! Just to let you know, even though they are great renters, it will be a relief to not have them rent anymore and yes I do realize that they probably won't come back anyway after these problems. I actually don't want any more renters referred by our neighbors for this exact same reason so that is fine, as it gets weird/uncomfortable for everyone involved.
Oh and I'm sure they received the new check (to replace the lost one) that I mailed them today.
About 2 weeks ago the gentleman that does our lawn service (its part of our rent) accidentally broadsided my parked car with his riding lawn mower. He was very nice about it, gave me his insurance info and even called me the next day to let me know he got the claim started on it. The insurance company then called me and asked me to take the car to get an estimate & send it in to them. So I did. When they got my estimate they called me & gave me 2 options of how to settle the claim & get the repairs made. Option 1 was for me to pay it out of my own pocket & they would later reimburse me. That's not an option, I don't have the money up front to pay the repair bill & how do I know for sure they will reimburse me and in a timely manner? Option 2 was to take the car in, have it repaired & the shop will bill the insurance company. I obviously have to take Option 2 but the problem is that this is our only car so we would have to borrow or rent a car for a few days. To rent a car that will fit a family of 4 (2 kids in carseats) will cost about + a day and the repairs are expected to take 2-3 days. I don't feel like I should have to pay that. I can borrow my parents car when they're on vacation but that will be a couple months. In the meantime will the claim expire? I don't want to seem greedy but I would feel better if the insurance company would just send me a check that I can put in savings and use later to get the car fixed when I can borrow a car. Is that an exceptable request? The options given to me don't seem right somehow & I don't feel it is fair to have to pay for a rental when the accident was not my fault. Any advice?
I should mention that the insurance company is not willing to pay for a rental. All they did was give me the 2 options & advice on how & where to rent a car. They told me the repair shop should give me a rental but the shop says they only offer shuttle services.
In the past 3 years…Ive been divorced (my husband of 4 years left me and went back to saudi arabia…im american)…i was raped…i got robbed…i had an abusive relationship that he said was my fault and so i tried to fix it and all of a sudden im the abusive one?…someone rammed into my car on the highway in the snow 2 weeks ago…i keep seeing the cars horizontally whooshing down the highway trying to miss us…they rushed me to the ER…i had to go back the next day and was put on morphin…i live alone…i teach two different subjects at two different schools in two different cities…ive got a rental car and am waiting on the police report and vacationing adjustor from the other insurance company…i walk around like a zombie…i forget things…im not myself…i feel detached…will i ever stop feeling like this? I go to counseling and im taking zoloft…im trying to help myself…i take ballet…will this bad dream ever go away? Will i ever feel ok again?
I’ve wanted to fix this forever, and have tried recently, but there doesn’t seem to be any information on removing this small problem when I search google.
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Does anybody know how I can remove this, so I can actually stay on the website when it 404’s instead of redirecting to this below mediocre search page?
This coming summer(2008) we are going on a family vacation and the real estate agency we are going through suggested travelers insurance. We are driving from PA to the Outer Banks, NC. The rate for it is 6% of the rental price. We just don't see it to be worth the money. Is it wise to get it or can we leave it out? What does it cover?
I’m trying to rent a car for the lowest price available. I’m only 20 and I have no car and no insurance. We plan on our vacation being from Dec. 23rd until Jan 4th and in Dalton, Ga. However, if cost proves to be an issue, we may cut it short. I know that there are some restrictions for going out of state and for being under the age of 21. Can anyone give me some good sites to go to or good quotes? Or would it be cheaper just to fly there and back (2 tickets, coach/economy) and maybe just rent a car on the weekends that we’re there?? I know that car rental is cheaper on the weekends.