Saturday, February 28, 2015

Settling disputes with your insurance company

Accidents will always happen no matter how careful we are. When it does occur, there may come a time when your insurance company will not agree with you about the amount due on the bill, the nonpayment of the claim, or whether or not you are covered. Disagreements should best be settled, but when nothing seems to be working, below are some steps to resolve disputes efficiently.

Read about and understand your rights. Review your policy, as insurance laws differ per state. There are some standard laws that are worded or implemented differently but have similar meanings, so make sure to read up.

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Talk to your insurance agent or broker. No one else knows the insurance company’s policies than your broker. Though agents may not be a part of the claims process, the can give insight as to its process. They also know where to go to for help regarding your issue, and sometimes a simple phone call from them to the insurance company can resolve things.

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Get organized and put everything in writing. When calling the company or going through your broker does not help, write a letter to a specific person in the company; if the dispute is about billing, address the letter to the accounting or finance department. It should contain all the necessary information – your name, policy number, and contact number, as well as documentation of correspondence with people from the company including the dates of conversations, names of the people you talked to, written correspondence, cancelled checks, and bank statements.

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Last resort – take legal action. If all else fails, take the company to the court. If the amount due is small, then you can file the case in a small claims court. But beyond that, you are going to have to hire an attorney. It is usually in the insurance company’s best interest to settle claims outside of court.

There are other ways to resolve disputes like getting a third party or the state’s insurance commissioner involved, but the important thing is that you and the insurance company can reach a resolution that is acceptable to both parties.

Follow this Louis Campisano blog for more articles on insurance.

Wednesday, February 11, 2015

The Personal and Professional Safety Net

Anyone with a fair amount of life experience under their belt will tell you that despite the ambiguity that seemingly coats our ongoing schedules, certain situations will take shape that catch us completely off-guard, measuring how much we tend to take things too much in stride. There are always going to be events happening in life that we could never have seen coming, which is why people with some stories to tell will always encourage those less knowledgeable to take preemptive measures in the event the unexpected happens and throws a curve ball at the most unexpected of times.

When the unforeseeable should in fact happen to occur in life, we want to be prepared by whatever means. Whether such an occurrence takes shape either personally or professionally, we want to make sure we are prepared, which is why individuals like Farmers Insurance agent Louis Campisano are available to provide solutions that help us through tougher times in life.

Mr. Campisano is a representative of Farmers Insurance Group, one of the most established insurers that has been helping individuals, families, and businesses through complicated situations for over 85 years. Louis Campisano and his team at Farmers can walk you and yours through the various different coverage options available to you, and figure out which options best suit your personalized needs.

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If you happen to be your own boss then you know the unpredictability that comes with running any kind of organization, no matter the size or structure. A lot of different factors have to be taken into consideration when running a business, and agent Louis Campisano can walk you through the various business life insurance options that can help you and your employees sustain your business and grow without unpredictability jeopardizing your operation.

Mr. Campisano is also well aware of those personal policies that everyone should take into consideration, including automobile, motorcycle, recreational, home, renters, and life insurance coverage to give you the kind of safety need you need to acquire some much-needed peace of mind.

To learn more about Louis Campisano and the many insurance options he can make available to you through Farmers Insurance Group, visit his website for more detailed information and insight on how best to weather those unforeseen storms yet to hit the foreseeable forecast.

Wednesday, February 4, 2015

Proactive Measures for Unforeseen Events in Life

We are an unpredictable whirlwind of activity throughout our ongoing personal and professional lives. No one can make any kinds of predictions whatsoever when and where our lives will take us next, which is why so many people stress how important it is to have the necessary safety nets in place in the event life throws us out of the loop and into unfamiliar territory.

To make sure we are prepared when the unforeseen comes out of leftfield and rips the rug out from under us, insurance policies are made available in the event our everyday lives take a turn for the unexpected. The best way to make sure we have policies that reflect our lifestyle is to turn to experts who know the ins and outs of the insurance industry to get us covered in areas that could affect our overall well-being. This is where a knowledgeable and practiced agent like Louis Campisano enters the picture. Mr. Campisano can get you all of the peace of mind you need as a representative of Farmers Insurance, an insurance group that offers automobile, home, life, business, motorcycle, recreational, and renters insurance policies to its clients.

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The history of Farmers Insurance dates all the way back to 1922, when two associates with strong links to local farmers and ranchers recognized the necessity to help rural citizens with coverage on equipment they used far more frequently than their urbanite neighbors. By 1928, the two co-founders landed their first client. Today, the company is one of the most respected in the insurance industry, with more than 50,000 exclusive and independent agents, and approximately 22,000 employees.

Louis Campisano is a Farmers Insurance agent based out of Florham Park, NJ, and continually helps individuals, families, and businesses discover the different kinds of policies that are available to help guide them towards coverage that will prove most beneficial when the least of expected scenarios comes uninvited into your life.

To learn more about Louis Campisano and/or Farmers insurance policies, visit his website for detailed information and insight on how to get an upper hand on life.