Personal property claims can be some of the most frustrating claims in the insurance claims process. The deck is stacked against you if you have any kind of insurance policy that insures your personal property. This is true for property owned by homeowners and renters as well as the personal property owned by businesses and other commercial entities.
Personal property, also commonly known as “Contents,” is usually described as any property in or on the insured premises not permanently attached to the building. Naturally, your policy will give you a definition that is more exact that this one, and will also have exclusions about some property that is not covered.
Many property insurance policies have the Replacement Cost (RC) Endorsement on the policy that covers the contents. The claims process for your Contents is the trap laid by the insurance companies. Don’t think that your insurer wouldn’t do that to you...they ALL do it.
Here’s the method of settlement found in all policies with the Replacement Cost Endorsement.
You submit your contents claim inventory. On that inventory you will have listed all of your contents, item by item, and the replacement cost. The insurance company will apply depreciation to each item of your contents, based upon its age and condition. Subtracting the depreciation amount from the replacement cost gives you the Actual Cash Value (ACV) of your property, whether business or personal.
The insurance company settles RC claims by issuing two separate checks. The first check will be for the ACV amount. According to the Loss Conditions in the policy, the insurer only pays you the RC of your contents once the replacement has been made.
For example, if you had an item with an RC value of $1000, and the depreciation amount was 30%, or $300, you would receive the first payment of $700. But, $700 does not replace the item. In order to receive the RC amount you will have to use $300 of your own money plus the $700 paid by the insurance company to make the replacement purchase. Then you are eligible for the second check, the $300 reimbursement.
Now...think about the same example if your entire contents claim is $100,000.
The insurance company “holds back” $30,000. In order for you to make the replacement purchases, you will have to find $30,000 of your own money, make the purchases, and then get reimbursed by the insurance company.
Where are you going to get that $30,000? Savings? Credit Card? Get a loan? Or perhaps you’re like many people that don’t have those cash resources available to them. They cannot make the replacements at all.
Do you see the trap?
Here is a strategy of three things you can do to minimize the effects of the Depreciation Trap.
1. Demand that the insurance company provide you a copy of the Depreciation Tables that they used to calculate your loss.
2. Compare each item, line by line, to be certain that the proper amount of depreciation was assessed by the adjuster.
3. Challenge any and all incorrect depreciation amounts.
By using this three-step strategy, you will maximize your Contents claim amount.
There is another Contents strategy that you MUST use when documenting your Personal Property claim. It relates to the personal property you won’t be replacing.
I knew a family that had a major fire loss. The wife was an attorney for many years. Then, when she had her first child, she decided to leave the business world and be a full-time mom. She had a closet full of expensive business suits, blouses, shoes and accessories. She was not going to replace them, since she was not using them any more for work clothing. So, we worked hard at establishing the highest possible value on her wardrobe. The ACV money that the family was paid for her wardrobe was used to make RC purchases of other items that did need replacing.
You can use this strategy in your Contents claim. Your home, condo, apartment or business is full of personal property that you’ve purchased over the years that (a) is obsolete or (b) you’re not using anymore. A business could have inventory items or office equipment that is unsold or obsolete. In each case, you have every right to be paid the correctly calculated ACV for those items. Then, you can use those dollars to offset the “holdback” amount when you are making your replacement purchases.
Don’t be a pushover! Don’t allow the insurance company to depreciate your Contents without a fight!
Fight back and WIN!
Showing posts with label car insurance claims. Show all posts
Showing posts with label car insurance claims. Show all posts
Wednesday, June 10, 2009
Saturday, May 16, 2009
Your Free Copy of My Book Is Only A Click Away!
Insider Blows the Whistle and Reveals All!
Former insurance adjuster shares valuable strategies so you don't get ripped off by your insurance company!
For a limited time, get your copy of his book at no cost or obligation!
FROM: Russell D. Longcore
Dear Friends-
Frankly, I am exhausted.
Selling books is hard work. I think that giving books away might be easier.
Wouldn’t you agree?
From now until midnight ET, June 30, 2009, I’m going to give you a free copy of my hot-selling 220-page book “Insurance Claim Secrets REVEALED!” No strings attached...no cost...no obligation. This is a $29.97 value, given to you at no cost whatsoever.
I’ll also give a copy of the book to anyone on planet Earth that you tell about the offer.
Pay It Forward, folks. Pay It Forward. Do good for others and it will return to you.
I accept 100% of the risk. You have 0% risk and you do not spend even one cent.
So please keep reading for all the details!
After many years as an insurance claims adjuster, I had seen insurance companies delay, defend and deny insurance claims. I wanted to help policyholders maximize their insurance claims, not stand by and watch the insurance companies cheat their own policyholders. The more I wrote, the more the book became an insider’s “tell-all” expose´that benefits anyone with an insurance policy.
I knew that the insurance companies will NEVER reveal the TRUE claims process. Why would they? If they tell you ways that you can collect more money in your claim, they make less profit. And, if you have questions about the claims process, who are you going to ask? Most people will ask the insurance company, who controls the claims process. It’s great for the insurance company, but terrible for you.
Most people I’ve ever talked to don’t know the first thing about how to handle an insurance claim. That puts them...YOU...entirely at the mercy of the insurance company and the insurance adjuster.
Many times, people who have had a loss are on the raw edge of emotion. Isn’t is natural to be fearful in a situation where you don’t feel you’re in control…where you don’t know what will happen next, and you’re scared you’ll be “ripped off?” Most everyone has heard a story from a relative or friend about an insurance claim that went badly.
People like that need solid advice and a strategy on what to do to get their claim paid IN FULL.
They need to understand the claims process completely so that they are not at the mercy of the insurance company, the claims adjuster and the claims examiner.
They need to be paid every dollar that they are entitled to collect.
They need to have peace of mind knowing that their claim was handled correctly.
So I wrote a book. I guess I struck a responsive chord with policyholders.
I wrote the book “Insurance Claim Secrets REVEALED!” (ICSR) and released it in June of 2007. By October of 2007, the book had rocketed to NUMBER ONE in two search categories at Amazon.com, the world’s largest bookseller. The book has STAYED NUMBER ONE continuously ever since!
Even if you enter the most general keyword possible, “insurance,” into the Search box, Amazon will show you over 350,000 books. ICSR is ALWAYS in the top 100, and its highest daily ranking was #21 back in April 2009.
ICSR has sold all over the world at $29.97. I’ve sold it on every continent. Policyholders from America to England to Ireland to Singapore to Thailand have bought this book and used my strategies to collect more money in their insurance claims.
In this book, you will learn:
• The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible
• When it's the right time to use an attorney
• How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU
• What a Public Adjuster is, and the valuable help you can get from them
• That the insurance adjuster is NOT there to help you
• How to handle insurance adjusters and get paid all you are entitled to collect
• and much more
You will learn:
• What to do when you have a car accident...BEFORE you open the car door or talk to anyone. This one strategy could save you hundreds of thousands of $$$
• How much MORE money I collected (thousands!) in the two little claims I had while writing this book, and how you can do the same things I did
• About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight
• About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe
• How insurance companies use depreciation to cheat their policyholders, and how to fight back and WIN
• What you MUST do after a loss like a hurricane, flood or fire
• And so much more
Get this book before something bad happens to you!
Get this book after something bad happens to you to keep it from getting worse!
Here is what our readers have said about this book!
“Thanks for writing your book. It explains things so the rest of us can understand.”
Dawn A., Houston, TX
* * * *
“I was really glad when I came across your book. I wish we had come across it sooner. Thank you for writing a book and making yourself available for questions.”
Marie R., Warren, NJ
* * * *
“Hey Russ,
Great book! I am sure I will give your books away as gifts too...”
Andy S., Westminster, MA
* * * *
“I heard the DJ on the local radio station talking about Russell's book, so I immediately downloaded it when I got to work. It has been a great help to me. Not only does it talk about vehicle accidents but property damage and more, as well. I would recommend anyone dealing with an insurance company to buy this book. Well worth the knowledge you gain to determine if the insurance company is treating you fairly. Knowledge is power when dealing with insurance companies.”
Lisa W., Winston, GA
* * * *
“Russell D. Longcore deals with this head-on, and in terms that you and I can easily understand. His honest, direct, straight-forward approach is excellent.
It's not a question of "if" you're going to need to know and understand the facts about which Longcore writes in this book - but "when." Longcore addresses those things which the insurance industry would just as soon you never knew, and certainly won't tell you, until after-the-fact. Based on personal experience, I hope it's not too late for you.
If you're considering the purchase of a new policy, or are about to renew a policy - regardless of the type - READ THIS BOOK FIRST.
INSURANCE CLAIM SECRETS REVEALED! is a book deserving of a FIVE STAR rating, because it will guide you in your thought process, and protect you in ways that you've never suspected, nor imagined. Pass it up at your own peril.”
Sanders H., Atlanta, GA
* * * *
“At the end of Feb. 2008 a tornado went through our neighborhood. Fortunately the damage we sustained was inconvenient damage. We had several trees down, one unfortunately hit the back of our car, and lots of debris, and the top of our neighbor's pine tree was dropped onto our roof. We called our insurance agent to report and started the clean-up. The weekend after the storm I was listening to the radio and heard Russell Longcore being interview by Ilyce Glink. I was so impressed, I immediately got online to his website and bought the E-book. It downloaded right away and I started to read. Fortunately our house is now back together and we are only out of pocket the amount of our deductible. There is so much information in this book and it's easy to read and understand. No one should be without it.”
Dee K, Atlanta, GA
* * * * * * * *
Bookselling is tough.
I published this book myself instead of going begging for a publisher. I’m OK with that, but when you self-publish, you also assume the role of Marketing Director.
Don’t believe the hype that you can write a popular book and the money just rolls in. Hundreds of thousands of book titles are published each year. Most authors who write a book, no matter what kind of book, never sell 1,000 copies...EVER! The big mega-selling books are so scarce it’s ridiculous. No wonder publishers are going out of business at record numbers.
Selling books is exhilarating, though. You can’t imagine how rewarding it is to have readers tell stories of how my strategies have helped them collect all the money they were entitled to collect! I’ve been blessed to change lives the world over!
But What’s In It For YOU?
Simple. I want to give YOU a copy of my book as a marketing experiment to jump-start my other business.
I’ve found that another very effective use for ICSR is to give them as a business introduction gift. I use the books to introduce my business to others. I give such a large amount of value UP FRONT to prospective customers that they will do business with ME, rather than my competitors. Everybody wins.
My other business is “Insurance Quote HQ.” The website address is: www.InsuranceQuoteHQ.com
This is the best website on the Internet for getting no-cost insurance quotes for any kind of insurance imaginable.
How can I say that?
Simple. No one else in the insurance quote business can do for you what I can do.
To receive your Ebook copy of my hot-selling 220-page book, click on “Insurance Claim Secrets REVEALED!” and leave your name and email address. We will instantly send you an email reply confirming your request, and a page with your link where you can download your copy of the Ebook.
What’s in it for Russ Longcore?
When you give me your email address, I will send you a confirmation email to make absolutely certain that you have requested the book. Once you confirm the email, we send you a link where you can download the book. We do not send spam to anyone. And, when you are a part of my email membership, you may unsubscribe at any time for any reason or for no reason at all. We never share our email list with anyone, ever.
As a member of my email list, you will receive emails from me that will offer you terrific information, a regular newsletter about insurance and money, interesting offers and terrific value. My strategies can save you thousands of dollars!
When you use my insurance quote service, I earn a commission, even though you have not spent one single cent. How does that work?
Most successful insurance agents are using some type of prospecting service, in which special companies provide the agents with lists of people (prospects) that have requested rate quotes. These prospects are called “leads.”
Whenever a person goes to my website, completes the easy quote request form and submits it, the lead company pays me a small commission. Then the agents of top companies compete for your business.
You, the “prospect,” pay nothing. Quotes are free. It’s the agent or insurance company that are paying for the leads and paying my commission.
So, the more leads I send them, the more commission I earn. Simple as that.
Don’t Be Misled By Internet Ad Copy
The Internet has made it very easy to get the most competitive rate quotes for all kinds of insurance. And, naturally, it makes sense to shop for the best rates combined with the best coverage, which makes the best insurance value.
There are hundreds of websites where you can get insurance quotes. Some of them are good, some not so good. I have visited scores of these websites, and I noticed a common flaw.
They don’t think like a claims adjuster. They think like sales people.
The other quote websites seem to be all about the lowest cost insurance quotes. Now, don’t get me wrong. I like low prices as much as the next guy.
But, isn’t there usually a difference between lowest price and best value?
Insurance is a service, not really a product. So, great customer service should be near the top of your list of benefits for buying insurance.
But don’t be fixated on great customer service when you’re BUYING your policy. That will only give you a false sense of security.
You should be MOSTLY concerned with the service you get when you have a loss. After all, insurance is all about keeping promises.
You see, friends, it’s not good enough just to get a great low premium on your insurance policy. When you buy an insurance policy, all you have is a bunch of pages stapled together with writing on them.
Your policy ONLY comes to life when you have a loss and submit a claim.
You enter into a contract with the insurance company. You promise certain things, like paying your premium. They promise to pay your claim if your loss is covered.
Every insurance policy will have a section that tells you what you must do when you have a loss and want to file a claim. But, the policy NEVER tells you about the “claims process.”
The “devil is in the details” of the claims process. The insurance companies all rely on the fact that their policyholders don’t know the claims process. That lack of knowledge helps the insurance companies hold down claim settlement amounts. That increases their profits...but at your expense.
So, What Can You Do To Win?
You MUST become more “claims-conscious” than price-conscious.
Saving a few hundred dollars in premiums is great, but it won’t change your life. However, your life could be permanently altered if you have a big claim and don’t collect every dollar you are entitled to collect. Or, not having enough insurance could ruin your finances forever if you are sued in a liability issue.
So FIRST, let me help you become claims-conscious! When you read my book, you’ll become familiar with the claims process and the super-valuable strategies that help YOU take control of your insurance claims.
Then go ahead and confidently get the best insurance quote and lowest price on your insurance...at NO COST TO YOU!
I recommend a four-step strategy:
1. Get a free copy of my book at “Insurance Claim Secrets REVEALED!” to get the strategies you’ll need to add hundreds or even thousands more dollars to your claim settlements. You’ll also learn crucial things you should do to protect yourself BEFORE you have a claim.
2. While you are reading the book, go to: www.InsuranceQuoteHQ.com and fill out the simple form so that we can get you the quotes you need. This service is also without cost or obligation. Not a penny do you spend!
3. Compare the insurance quotes carefully and make sure that the quotes have the same coverage.
4. Buy the coverage you need at the most competitive rates.
CHECK OUT THIS AMAZING LIMITED-TIME SPECIAL OFFER!!
Between today and midnight ET, June 30, 2009, I’m going to make the book “Insurance Claim Secrets REVEALED!” available to anyone and everyone with a valid email address and an Internet connection. I’m giving a FREE Ebook copy of the NUMBER ONE BOOK IN THE WORLD about insurance claims to anyone who gives me their valid email address!
Then, if you agree with me that shopping for the best rate on the insurance you need makes total good sense, go to www.InsuranceQuoteHQ.com and click through and get a FREE QUOTE! But if you don’t agree with me, and don’t use my website to get your insurance quotes, you still get the f*ree copy of my Ebook...a $29.97 value!
Just LOOK at the vast array of insurance policies we quote:
• Auto
• Home
• Renters
• Term Life
• Pet Insurance
• Health
• Disability
• Long Term Care (LTC)
• Cancer
• Burial
• Annuity
• Business
• General Liability
• Commercial Auto
• Commercial Property
• Professional Liability (E&O)
• Business Owners Package Policy (BOP)
• Workers Compensation
• Commercial Crime
• Group Health Insurance
• Group Life Insurance
• 401K/Retirement Plans
• Supplemental Plans/AFLAC
• Keyman Life Insurance
• Keyman Disability Insurance
• Deferred Compensation
• UK and European Quotes Coming Very Soon
• And the list just keeps growing every week!
Your quotes will come from the top insurers in America today. And when you make a quote request, you’ll get quotes from multiple companies so you can truly compare rates and find your best deal.
SAVINGS ALERT!!
I used this exact quote service in April, and got quotes from eight different companies. I switched insurance companies for my Auto and Homeowners policies and saved $590.00 per year! I was shocked at that kind of savings, since I watch my premiums very closely from year to year. My new policies also have better coverage than I had before.
Could YOU get that kind of savings? You’ll never know until you get the quotes!
By making this stunning book offer, I am showing my trust in you. I am sowing good seeds in good ground, and I expect a good harvest. I’m betting that the majority of people who receive a free copy of the book will use my insurance quote service to get the best insurance rates possible. It only makes common sense.
So, I’m not giving you a gift AFTER you make an insurance quote request. That is an “incentive”offer in which you are forced to make a quote request to get the book.
I’m not playing that game.
I’m giving you a no-obligation gift of my book. I’m confident that you’ll see the value that I’m giving you. I’m also confident that, because of that value, you will trust me to get you the best insurance quotes available. But you get the gift whether you make a quote request or not.
To receive your Ebook copy of my hot-selling 220-page book, click on “Insurance Claim Secrets REVEALED!” and leave your email address. We will instantly send you an email reply to confirm your request, and a page with your link where you can download your copy of the Ebook.
Friends Don’t Let Friends Get
Ripped Off By Insurance Companies
When you get your copy of the book, why not tell everyone you know how to get a free copy? There’s no downside, only upside. They will get a book that could help them collect thousands more dollars (or Euros, or Pounds, or Pesos, or Bhats, or Yen, or Rupees) in their claims settlements. Your friends will thank you for referring them to this free book offer. They will especially thank you if they ever have an insurance claim!! Then, if they save some money on their insurance premiums, they will REALLY be glad you are their friend!
If you have an email list for your business, send this offer to your list.
Pay It Forward, folks. Pay It Forward. Do good for others and it will return to you.
Send this amazing offer to everyone in your Address book. Don’t leave anyone out. Put this offer on your Facebook page. Twitter a link to this page.
No other insurance quote website in the world can offer you this winning formula for maximizing your insurance claim settlements AND getting the best insurance rates! No matter if your claim is a homeowners, renters, auto, business, etc...THESE STRATEGIES WORK EVERY TIME!
Don’t wait another day! Click Here NOW for your free book!
Thanks for your business!
Russell D. Longcore, Author and owner
www.InsuranceQuoteHQ.com
www.InsuranceSecrets.com
www.WebMarketingHQ.com
www.SuperArticleDirectory.com
P.S. I just completed the manuscript for another book. This one is dedicated to claims strategies for businesses and commercial entities. The book’s title is “Commercial Insurance Claim Secrets REVEALED!” . This new book will be available by September 1, 2009 worldwide at $49.97. Watch for it...I might give this book away, too!
Former insurance adjuster shares valuable strategies so you don't get ripped off by your insurance company!
For a limited time, get your copy of his book at no cost or obligation!
FROM: Russell D. Longcore
Dear Friends-
Frankly, I am exhausted.
Selling books is hard work. I think that giving books away might be easier.
Wouldn’t you agree?
From now until midnight ET, June 30, 2009, I’m going to give you a free copy of my hot-selling 220-page book “Insurance Claim Secrets REVEALED!” No strings attached...no cost...no obligation. This is a $29.97 value, given to you at no cost whatsoever.
I’ll also give a copy of the book to anyone on planet Earth that you tell about the offer.
Pay It Forward, folks. Pay It Forward. Do good for others and it will return to you.
I accept 100% of the risk. You have 0% risk and you do not spend even one cent.
So please keep reading for all the details!
After many years as an insurance claims adjuster, I had seen insurance companies delay, defend and deny insurance claims. I wanted to help policyholders maximize their insurance claims, not stand by and watch the insurance companies cheat their own policyholders. The more I wrote, the more the book became an insider’s “tell-all” expose´that benefits anyone with an insurance policy.
I knew that the insurance companies will NEVER reveal the TRUE claims process. Why would they? If they tell you ways that you can collect more money in your claim, they make less profit. And, if you have questions about the claims process, who are you going to ask? Most people will ask the insurance company, who controls the claims process. It’s great for the insurance company, but terrible for you.
Most people I’ve ever talked to don’t know the first thing about how to handle an insurance claim. That puts them...YOU...entirely at the mercy of the insurance company and the insurance adjuster.
Many times, people who have had a loss are on the raw edge of emotion. Isn’t is natural to be fearful in a situation where you don’t feel you’re in control…where you don’t know what will happen next, and you’re scared you’ll be “ripped off?” Most everyone has heard a story from a relative or friend about an insurance claim that went badly.
People like that need solid advice and a strategy on what to do to get their claim paid IN FULL.
They need to understand the claims process completely so that they are not at the mercy of the insurance company, the claims adjuster and the claims examiner.
They need to be paid every dollar that they are entitled to collect.
They need to have peace of mind knowing that their claim was handled correctly.
So I wrote a book. I guess I struck a responsive chord with policyholders.
I wrote the book “Insurance Claim Secrets REVEALED!” (ICSR) and released it in June of 2007. By October of 2007, the book had rocketed to NUMBER ONE in two search categories at Amazon.com, the world’s largest bookseller. The book has STAYED NUMBER ONE continuously ever since!
Even if you enter the most general keyword possible, “insurance,” into the Search box, Amazon will show you over 350,000 books. ICSR is ALWAYS in the top 100, and its highest daily ranking was #21 back in April 2009.
ICSR has sold all over the world at $29.97. I’ve sold it on every continent. Policyholders from America to England to Ireland to Singapore to Thailand have bought this book and used my strategies to collect more money in their insurance claims.
In this book, you will learn:
• The games and scams insurance companies use to cut costs and keep claim payments at the lowest amounts possible
• When it's the right time to use an attorney
• How you can take control of your claim, and not allow the insurance company or claims adjuster to control YOU
• What a Public Adjuster is, and the valuable help you can get from them
• That the insurance adjuster is NOT there to help you
• How to handle insurance adjusters and get paid all you are entitled to collect
• and much more
You will learn:
• What to do when you have a car accident...BEFORE you open the car door or talk to anyone. This one strategy could save you hundreds of thousands of $$$
• How much MORE money I collected (thousands!) in the two little claims I had while writing this book, and how you can do the same things I did
• About Diminished Value on automobiles, and how it can cost you THOUSANDS if you don't fight
• About cheap aftermarket auto parts that insurance companies LOVE, but leave you less safe
• How insurance companies use depreciation to cheat their policyholders, and how to fight back and WIN
• What you MUST do after a loss like a hurricane, flood or fire
• And so much more
Get this book before something bad happens to you!
Get this book after something bad happens to you to keep it from getting worse!
Here is what our readers have said about this book!
“Thanks for writing your book. It explains things so the rest of us can understand.”
Dawn A., Houston, TX
* * * *
“I was really glad when I came across your book. I wish we had come across it sooner. Thank you for writing a book and making yourself available for questions.”
Marie R., Warren, NJ
* * * *
“Hey Russ,
Great book! I am sure I will give your books away as gifts too...”
Andy S., Westminster, MA
* * * *
“I heard the DJ on the local radio station talking about Russell's book, so I immediately downloaded it when I got to work. It has been a great help to me. Not only does it talk about vehicle accidents but property damage and more, as well. I would recommend anyone dealing with an insurance company to buy this book. Well worth the knowledge you gain to determine if the insurance company is treating you fairly. Knowledge is power when dealing with insurance companies.”
Lisa W., Winston, GA
* * * *
“Russell D. Longcore deals with this head-on, and in terms that you and I can easily understand. His honest, direct, straight-forward approach is excellent.
It's not a question of "if" you're going to need to know and understand the facts about which Longcore writes in this book - but "when." Longcore addresses those things which the insurance industry would just as soon you never knew, and certainly won't tell you, until after-the-fact. Based on personal experience, I hope it's not too late for you.
If you're considering the purchase of a new policy, or are about to renew a policy - regardless of the type - READ THIS BOOK FIRST.
INSURANCE CLAIM SECRETS REVEALED! is a book deserving of a FIVE STAR rating, because it will guide you in your thought process, and protect you in ways that you've never suspected, nor imagined. Pass it up at your own peril.”
Sanders H., Atlanta, GA
* * * *
“At the end of Feb. 2008 a tornado went through our neighborhood. Fortunately the damage we sustained was inconvenient damage. We had several trees down, one unfortunately hit the back of our car, and lots of debris, and the top of our neighbor's pine tree was dropped onto our roof. We called our insurance agent to report and started the clean-up. The weekend after the storm I was listening to the radio and heard Russell Longcore being interview by Ilyce Glink. I was so impressed, I immediately got online to his website and bought the E-book. It downloaded right away and I started to read. Fortunately our house is now back together and we are only out of pocket the amount of our deductible. There is so much information in this book and it's easy to read and understand. No one should be without it.”
Dee K, Atlanta, GA
* * * * * * * *
Bookselling is tough.
I published this book myself instead of going begging for a publisher. I’m OK with that, but when you self-publish, you also assume the role of Marketing Director.
Don’t believe the hype that you can write a popular book and the money just rolls in. Hundreds of thousands of book titles are published each year. Most authors who write a book, no matter what kind of book, never sell 1,000 copies...EVER! The big mega-selling books are so scarce it’s ridiculous. No wonder publishers are going out of business at record numbers.
Selling books is exhilarating, though. You can’t imagine how rewarding it is to have readers tell stories of how my strategies have helped them collect all the money they were entitled to collect! I’ve been blessed to change lives the world over!
But What’s In It For YOU?
Simple. I want to give YOU a copy of my book as a marketing experiment to jump-start my other business.
I’ve found that another very effective use for ICSR is to give them as a business introduction gift. I use the books to introduce my business to others. I give such a large amount of value UP FRONT to prospective customers that they will do business with ME, rather than my competitors. Everybody wins.
My other business is “Insurance Quote HQ.” The website address is: www.InsuranceQuoteHQ.com
This is the best website on the Internet for getting no-cost insurance quotes for any kind of insurance imaginable.
How can I say that?
Simple. No one else in the insurance quote business can do for you what I can do.
To receive your Ebook copy of my hot-selling 220-page book, click on “Insurance Claim Secrets REVEALED!” and leave your name and email address. We will instantly send you an email reply confirming your request, and a page with your link where you can download your copy of the Ebook.
What’s in it for Russ Longcore?
When you give me your email address, I will send you a confirmation email to make absolutely certain that you have requested the book. Once you confirm the email, we send you a link where you can download the book. We do not send spam to anyone. And, when you are a part of my email membership, you may unsubscribe at any time for any reason or for no reason at all. We never share our email list with anyone, ever.
As a member of my email list, you will receive emails from me that will offer you terrific information, a regular newsletter about insurance and money, interesting offers and terrific value. My strategies can save you thousands of dollars!
When you use my insurance quote service, I earn a commission, even though you have not spent one single cent. How does that work?
Most successful insurance agents are using some type of prospecting service, in which special companies provide the agents with lists of people (prospects) that have requested rate quotes. These prospects are called “leads.”
Whenever a person goes to my website, completes the easy quote request form and submits it, the lead company pays me a small commission. Then the agents of top companies compete for your business.
You, the “prospect,” pay nothing. Quotes are free. It’s the agent or insurance company that are paying for the leads and paying my commission.
So, the more leads I send them, the more commission I earn. Simple as that.
Don’t Be Misled By Internet Ad Copy
The Internet has made it very easy to get the most competitive rate quotes for all kinds of insurance. And, naturally, it makes sense to shop for the best rates combined with the best coverage, which makes the best insurance value.
There are hundreds of websites where you can get insurance quotes. Some of them are good, some not so good. I have visited scores of these websites, and I noticed a common flaw.
They don’t think like a claims adjuster. They think like sales people.
The other quote websites seem to be all about the lowest cost insurance quotes. Now, don’t get me wrong. I like low prices as much as the next guy.
But, isn’t there usually a difference between lowest price and best value?
Insurance is a service, not really a product. So, great customer service should be near the top of your list of benefits for buying insurance.
But don’t be fixated on great customer service when you’re BUYING your policy. That will only give you a false sense of security.
You should be MOSTLY concerned with the service you get when you have a loss. After all, insurance is all about keeping promises.
You see, friends, it’s not good enough just to get a great low premium on your insurance policy. When you buy an insurance policy, all you have is a bunch of pages stapled together with writing on them.
Your policy ONLY comes to life when you have a loss and submit a claim.
You enter into a contract with the insurance company. You promise certain things, like paying your premium. They promise to pay your claim if your loss is covered.
Every insurance policy will have a section that tells you what you must do when you have a loss and want to file a claim. But, the policy NEVER tells you about the “claims process.”
The “devil is in the details” of the claims process. The insurance companies all rely on the fact that their policyholders don’t know the claims process. That lack of knowledge helps the insurance companies hold down claim settlement amounts. That increases their profits...but at your expense.
So, What Can You Do To Win?
You MUST become more “claims-conscious” than price-conscious.
Saving a few hundred dollars in premiums is great, but it won’t change your life. However, your life could be permanently altered if you have a big claim and don’t collect every dollar you are entitled to collect. Or, not having enough insurance could ruin your finances forever if you are sued in a liability issue.
So FIRST, let me help you become claims-conscious! When you read my book, you’ll become familiar with the claims process and the super-valuable strategies that help YOU take control of your insurance claims.
Then go ahead and confidently get the best insurance quote and lowest price on your insurance...at NO COST TO YOU!
I recommend a four-step strategy:
1. Get a free copy of my book at “Insurance Claim Secrets REVEALED!” to get the strategies you’ll need to add hundreds or even thousands more dollars to your claim settlements. You’ll also learn crucial things you should do to protect yourself BEFORE you have a claim.
2. While you are reading the book, go to: www.InsuranceQuoteHQ.com and fill out the simple form so that we can get you the quotes you need. This service is also without cost or obligation. Not a penny do you spend!
3. Compare the insurance quotes carefully and make sure that the quotes have the same coverage.
4. Buy the coverage you need at the most competitive rates.
CHECK OUT THIS AMAZING LIMITED-TIME SPECIAL OFFER!!
Between today and midnight ET, June 30, 2009, I’m going to make the book “Insurance Claim Secrets REVEALED!” available to anyone and everyone with a valid email address and an Internet connection. I’m giving a FREE Ebook copy of the NUMBER ONE BOOK IN THE WORLD about insurance claims to anyone who gives me their valid email address!
Then, if you agree with me that shopping for the best rate on the insurance you need makes total good sense, go to www.InsuranceQuoteHQ.com and click through and get a FREE QUOTE! But if you don’t agree with me, and don’t use my website to get your insurance quotes, you still get the f*ree copy of my Ebook...a $29.97 value!
Just LOOK at the vast array of insurance policies we quote:
• Auto
• Home
• Renters
• Term Life
• Pet Insurance
• Health
• Disability
• Long Term Care (LTC)
• Cancer
• Burial
• Annuity
• Business
• General Liability
• Commercial Auto
• Commercial Property
• Professional Liability (E&O)
• Business Owners Package Policy (BOP)
• Workers Compensation
• Commercial Crime
• Group Health Insurance
• Group Life Insurance
• 401K/Retirement Plans
• Supplemental Plans/AFLAC
• Keyman Life Insurance
• Keyman Disability Insurance
• Deferred Compensation
• UK and European Quotes Coming Very Soon
• And the list just keeps growing every week!
Your quotes will come from the top insurers in America today. And when you make a quote request, you’ll get quotes from multiple companies so you can truly compare rates and find your best deal.
SAVINGS ALERT!!
I used this exact quote service in April, and got quotes from eight different companies. I switched insurance companies for my Auto and Homeowners policies and saved $590.00 per year! I was shocked at that kind of savings, since I watch my premiums very closely from year to year. My new policies also have better coverage than I had before.
Could YOU get that kind of savings? You’ll never know until you get the quotes!
By making this stunning book offer, I am showing my trust in you. I am sowing good seeds in good ground, and I expect a good harvest. I’m betting that the majority of people who receive a free copy of the book will use my insurance quote service to get the best insurance rates possible. It only makes common sense.
So, I’m not giving you a gift AFTER you make an insurance quote request. That is an “incentive”offer in which you are forced to make a quote request to get the book.
I’m not playing that game.
I’m giving you a no-obligation gift of my book. I’m confident that you’ll see the value that I’m giving you. I’m also confident that, because of that value, you will trust me to get you the best insurance quotes available. But you get the gift whether you make a quote request or not.
To receive your Ebook copy of my hot-selling 220-page book, click on “Insurance Claim Secrets REVEALED!” and leave your email address. We will instantly send you an email reply to confirm your request, and a page with your link where you can download your copy of the Ebook.
Friends Don’t Let Friends Get
Ripped Off By Insurance Companies
When you get your copy of the book, why not tell everyone you know how to get a free copy? There’s no downside, only upside. They will get a book that could help them collect thousands more dollars (or Euros, or Pounds, or Pesos, or Bhats, or Yen, or Rupees) in their claims settlements. Your friends will thank you for referring them to this free book offer. They will especially thank you if they ever have an insurance claim!! Then, if they save some money on their insurance premiums, they will REALLY be glad you are their friend!
If you have an email list for your business, send this offer to your list.
Pay It Forward, folks. Pay It Forward. Do good for others and it will return to you.
Send this amazing offer to everyone in your Address book. Don’t leave anyone out. Put this offer on your Facebook page. Twitter a link to this page.
No other insurance quote website in the world can offer you this winning formula for maximizing your insurance claim settlements AND getting the best insurance rates! No matter if your claim is a homeowners, renters, auto, business, etc...THESE STRATEGIES WORK EVERY TIME!
Don’t wait another day! Click Here NOW for your free book!
Thanks for your business!
Russell D. Longcore, Author and owner
www.InsuranceQuoteHQ.com
www.InsuranceSecrets.com
www.WebMarketingHQ.com
www.SuperArticleDirectory.com
P.S. I just completed the manuscript for another book. This one is dedicated to claims strategies for businesses and commercial entities. The book’s title is “Commercial Insurance Claim Secrets REVEALED!” . This new book will be available by September 1, 2009 worldwide at $49.97. Watch for it...I might give this book away, too!
Tuesday, April 7, 2009
Insurance Claims: Hire The Right Restoration Contractor
This article is Chapter Nineteen of my new book, "Commercial Insurance Claim Secrets REVEALED!" The book is presently in manuscript form, and we anticipate a publishing date of June 1, 2009.
* * * *
A restoration contractor is very different than a general contractor. Most general contractors who do remodeling or new construction do not have the skills and knowledge that a restoration contractor has.
For one thing, the restoration contractor is very familiar with the insurance claims process, and how insurance companies pay for repairs. The restoration contractors use similar estimating software to that used by the adjusters and insurance companies. A general contractor who submits an estimate in an unacceptable form to the insurance company or adjuster just annoys them, and slows down your claim.
Another reason to find restoration contractor is that they are usually full service contractors. They will be able to do temporary or emergency cleanup and board up. They will own the equipment for drying and water damage remediation. They are familiar with the kinds of damage that fires, wind and water do to commercial building. Finally, they are experts at writing accurate estimates for these specific kinds of damages.
General contractors who do not make their living in insurance restoration do not have this kind of equipment and experience. Period.
Do a search online for restoration contractors in your area. You can also look in your local Yellow Pages under “Disaster Restoration,” or “Fire Restoration,” or “Water Damage Restoration.” Look for logos in the ads that say “DKI,” or “RIA” These are professional organizations for restoration contractors. You can also go to the following websites to identify restoration contractors in your area.
DKI - Disaster Kleen-up International. Headquartered in Chicago, IL, is a network of the leading independent property damage restoration contractors across North America. You can ask for a referral at 888-735-0800, and also find them at: www.disasterkleenup.com
RIA - The Restoration Industry Association is the leading trade association for cleaning and restoration professionals worldwide, and the foremost authority, trainer and educator in the industry. You can ask for a referral in your area at 800-272-7012, or the website: www.restorationindustry.org
Call at least two restoration contractors, if possible. Ask them to meet you at your business location to inspect the damage within 24 hours of the loss.
Remember this important point…there is NOTHING in your policy that requires you to get two or three estimates. Meeting two contractors is just a smart way to find one that you like best and want to work with. Interview them about their experience and expertise. Check out their references, and ask them for a list of satisfied customer that you can call by phone. Get a copy of their insurance certificate to be sure they have liability and Workers Compensation coverage. Call the insurance companies to confirm coverage. ONLY AFTER THE CONTRACTOR CHECKS OUT should you hire him.
You might see many restoration contractors drop by after a loss to see if they can help you with temporary repairs, like tarps on roofs, board-up, and contents removal. Don’t be annoyed...they are trying to get some new business. Appreciate their effort for what it is. Get written estimates from them BEFORE you sign ANYTHING. They will sometimes tell you that they were sent by the insurance company (maybe true, maybe not), and that it is your responsibility to protect your property from further damage (which is true). They may tell you that they will “direct bill” the insurance company (which they may do).
WARNING!!
Be very careful on contents removal, sometimes known as “pack out.” The more contents they clean, the more money they make. The cost to clean something is usually a fraction of the cost to replace it. However, I have seen restoration contractors charge more to clean an item than it costs to replace it. So, when the restoration contractors are involved, the claim value may be reduced, which benefits the insurance company. That is why many adjusters will bring a restoration contractor with them to the loss location. Remember that many policies pay REPLACEMENT COST, and following major fires, large windstorm and water losses, your damaged possessions could be replaced instead of being cleaned. Every penny that goes for cleaning your contents comes from the contents limit of liability shown on your policy declarations page. So, theoretically, a substantial amount of your insurance money to replace your items could go to the restoration company to only clean the items!! If the restoration contractor cleans a bunch of your property, and you reject it as unusable, there will be less money for replacement of your property.
So, if the adjuster and restoration contractor are all gung-ho to pack-out your property, that’s probably a good idea. Getting your property off the loss site will at least prevent it from further damage. But you should be the person that controls which contractor packs out your property. You should also bet the person that controls what gets cleaned and what gets thrown away. This may take you a significant amount of time to sort through, but that time investment will mean a much larger settlement amount.
Under no circumstances allow the adjuster or restoration contractor to make the determination about what business personal property is repairable or replaceable. The adjuster will typically want to clean items and give them back to you. You own the property...it’s your call. Fight hard about this issue!
ANOTHER WARNING!!
Sometimes, adjusters and insurance companies will tell you that you must use their “approved contractor.” Unless you can find that requirement written into the terms and conditions of your insurance policy, don’t believe it. It’s your property. YOU be the person that makes the decision on which contractor or other vendor to use.
The contract for cleaning and restoration of your property will be between you and the contractor...not the contractor and the insurance company. MAKE SURE YOU ARE IN CONTROL!!
* * * *
A restoration contractor is very different than a general contractor. Most general contractors who do remodeling or new construction do not have the skills and knowledge that a restoration contractor has.
For one thing, the restoration contractor is very familiar with the insurance claims process, and how insurance companies pay for repairs. The restoration contractors use similar estimating software to that used by the adjusters and insurance companies. A general contractor who submits an estimate in an unacceptable form to the insurance company or adjuster just annoys them, and slows down your claim.
Another reason to find restoration contractor is that they are usually full service contractors. They will be able to do temporary or emergency cleanup and board up. They will own the equipment for drying and water damage remediation. They are familiar with the kinds of damage that fires, wind and water do to commercial building. Finally, they are experts at writing accurate estimates for these specific kinds of damages.
General contractors who do not make their living in insurance restoration do not have this kind of equipment and experience. Period.
Do a search online for restoration contractors in your area. You can also look in your local Yellow Pages under “Disaster Restoration,” or “Fire Restoration,” or “Water Damage Restoration.” Look for logos in the ads that say “DKI,” or “RIA” These are professional organizations for restoration contractors. You can also go to the following websites to identify restoration contractors in your area.
DKI - Disaster Kleen-up International. Headquartered in Chicago, IL, is a network of the leading independent property damage restoration contractors across North America. You can ask for a referral at 888-735-0800, and also find them at: www.disasterkleenup.com
RIA - The Restoration Industry Association is the leading trade association for cleaning and restoration professionals worldwide, and the foremost authority, trainer and educator in the industry. You can ask for a referral in your area at 800-272-7012, or the website: www.restorationindustry.org
Call at least two restoration contractors, if possible. Ask them to meet you at your business location to inspect the damage within 24 hours of the loss.
Remember this important point…there is NOTHING in your policy that requires you to get two or three estimates. Meeting two contractors is just a smart way to find one that you like best and want to work with. Interview them about their experience and expertise. Check out their references, and ask them for a list of satisfied customer that you can call by phone. Get a copy of their insurance certificate to be sure they have liability and Workers Compensation coverage. Call the insurance companies to confirm coverage. ONLY AFTER THE CONTRACTOR CHECKS OUT should you hire him.
You might see many restoration contractors drop by after a loss to see if they can help you with temporary repairs, like tarps on roofs, board-up, and contents removal. Don’t be annoyed...they are trying to get some new business. Appreciate their effort for what it is. Get written estimates from them BEFORE you sign ANYTHING. They will sometimes tell you that they were sent by the insurance company (maybe true, maybe not), and that it is your responsibility to protect your property from further damage (which is true). They may tell you that they will “direct bill” the insurance company (which they may do).
WARNING!!
Be very careful on contents removal, sometimes known as “pack out.” The more contents they clean, the more money they make. The cost to clean something is usually a fraction of the cost to replace it. However, I have seen restoration contractors charge more to clean an item than it costs to replace it. So, when the restoration contractors are involved, the claim value may be reduced, which benefits the insurance company. That is why many adjusters will bring a restoration contractor with them to the loss location. Remember that many policies pay REPLACEMENT COST, and following major fires, large windstorm and water losses, your damaged possessions could be replaced instead of being cleaned. Every penny that goes for cleaning your contents comes from the contents limit of liability shown on your policy declarations page. So, theoretically, a substantial amount of your insurance money to replace your items could go to the restoration company to only clean the items!! If the restoration contractor cleans a bunch of your property, and you reject it as unusable, there will be less money for replacement of your property.
So, if the adjuster and restoration contractor are all gung-ho to pack-out your property, that’s probably a good idea. Getting your property off the loss site will at least prevent it from further damage. But you should be the person that controls which contractor packs out your property. You should also bet the person that controls what gets cleaned and what gets thrown away. This may take you a significant amount of time to sort through, but that time investment will mean a much larger settlement amount.
Under no circumstances allow the adjuster or restoration contractor to make the determination about what business personal property is repairable or replaceable. The adjuster will typically want to clean items and give them back to you. You own the property...it’s your call. Fight hard about this issue!
ANOTHER WARNING!!
Sometimes, adjusters and insurance companies will tell you that you must use their “approved contractor.” Unless you can find that requirement written into the terms and conditions of your insurance policy, don’t believe it. It’s your property. YOU be the person that makes the decision on which contractor or other vendor to use.
The contract for cleaning and restoration of your property will be between you and the contractor...not the contractor and the insurance company. MAKE SURE YOU ARE IN CONTROL!!
Tuesday, March 31, 2009
Insurance Claims: You Must Spend Money to Collect Money
Insurance claims are getting more and more complicated. Insurance companies are on a mission to increase their profits. That may mean that your insurance company will deny claims, delay claims and defend claims to beef up their bottom line.
The fabled management consulting firm of McKinsey and Company was retained a short time ago by three of the largest Property/Casualty companies in the world. That would be Allstate, Liberty Mutual and State Farm. McKinsey’s mission...as always...is to show companies how to earn more profits. Their final report recommended “The Three Ds”...defend claims, deny claims and delay claims.
All three companies have used this strategy aggressively to boost profits for their shareholders. Concurrently, all three have experienced higher than ever complaints of claims handling. Other companies have noticed the higher profits, and will likely follow suit.
I’m leading with that part of the story to show you that the claims experience you may look forward to...or have had...or are experiencing right now...is not a mistake, or an isolated incident.
So, what can you do when you have a claim?
First: understand that you cannot just trust the insurance company to take care of your claim for you. They are protecting THEIR money. The moment you file a claim, you become their adversary. If you allow the insurance company to handle your claim for you, you are a fool. They will cut corners and pay the absolute LOWEST amount possible to get you to sign a Full Release and close the claim. You will leave hundreds or even thousands of dollars on the table that you could have collected.
Second: just because you have a deductible on your insurance policy doesn’t mean that the deductible amount is all you’re going to have to spend. You need to realize that you might have to spend some extra money to collect the money you’re entitled to collect.
Like what?
- $50-$200 to have your attorney review ALL the documents the insurance company asks you to sign.
- $50-$200 to get an independent appraisal of your car if it’s been damaged.
- $50-$200 to get an independent restoration contractor’s estimate of your real estate property if it has been damaged. Many restoration contractors will do an estimate for free, but be prepared to pay for it.
- $50-$200 to have your attorney supervise your recorded statement with the adjuster.
- $50-$200 for an Independent Medical Examination if you are injured in an accident that was not your fault.
These are just a few of the claims expenses you should EXPECT to pay on your own behalf. Your policy states that it is YOUR RESPONSIBILITY to prove your claim.
But cheer up!! Spending a small amount of money to prove your claim will usually result in you collecting hundreds or even thousands more dollars in your claim settlement.
The fabled management consulting firm of McKinsey and Company was retained a short time ago by three of the largest Property/Casualty companies in the world. That would be Allstate, Liberty Mutual and State Farm. McKinsey’s mission...as always...is to show companies how to earn more profits. Their final report recommended “The Three Ds”...defend claims, deny claims and delay claims.
All three companies have used this strategy aggressively to boost profits for their shareholders. Concurrently, all three have experienced higher than ever complaints of claims handling. Other companies have noticed the higher profits, and will likely follow suit.
I’m leading with that part of the story to show you that the claims experience you may look forward to...or have had...or are experiencing right now...is not a mistake, or an isolated incident.
So, what can you do when you have a claim?
First: understand that you cannot just trust the insurance company to take care of your claim for you. They are protecting THEIR money. The moment you file a claim, you become their adversary. If you allow the insurance company to handle your claim for you, you are a fool. They will cut corners and pay the absolute LOWEST amount possible to get you to sign a Full Release and close the claim. You will leave hundreds or even thousands of dollars on the table that you could have collected.
Second: just because you have a deductible on your insurance policy doesn’t mean that the deductible amount is all you’re going to have to spend. You need to realize that you might have to spend some extra money to collect the money you’re entitled to collect.
Like what?
- $50-$200 to have your attorney review ALL the documents the insurance company asks you to sign.
- $50-$200 to get an independent appraisal of your car if it’s been damaged.
- $50-$200 to get an independent restoration contractor’s estimate of your real estate property if it has been damaged. Many restoration contractors will do an estimate for free, but be prepared to pay for it.
- $50-$200 to have your attorney supervise your recorded statement with the adjuster.
- $50-$200 for an Independent Medical Examination if you are injured in an accident that was not your fault.
These are just a few of the claims expenses you should EXPECT to pay on your own behalf. Your policy states that it is YOUR RESPONSIBILITY to prove your claim.
But cheer up!! Spending a small amount of money to prove your claim will usually result in you collecting hundreds or even thousands more dollars in your claim settlement.
Tuesday, February 3, 2009
Car Insurance Claims - Does Your Insurer Owe You Sales Tax?
More than half of the states in the USA require that the insurance company pay state sales tax when you replace your total loss vehicle. What those states do not mandate is that the insurance company has to tell you about the tax issue. You probably won’t get the sales tax unless you ask for it.
To find out if your state requires the extra sales tax payment, contact your state’s Department of Insurance.
No insurance company, whether it is your insurer, or another insurer who insures an at-fault driver, wants to pay you one dollar more than the lowest Actual Cash Value (ACV) that they can find. When the insurance company declares your car a total loss is when the strenuous negotiations begin.
Your mission...should you accept it...is to prove that your car is worth its absolute highest value.
State sales tax percentages vary widely from state to state. Here in Georgia, sales tax is calculated on a county-by-county basis. In Cobb County, where I live, the sales tax is 5%. However, just across the county line in Fulton County, the sales tax is 7%. But in the City of Atlanta, sales tax is 8%.
Look at the numbers on a $30,000 automobile. If you lived in Cobb County at 5%, the insurance company would owe you an additional $1,500.00. If you lived in Atlanta at 8%, the amount would be $2,400.00.
If you do not demand the extra sales tax payment, you're leaving thousands of dollars on the table that you are likely entitled to collect.
Don’t allow the insurance companies to mislead you. The Actual Cash Value of the car must include the state sales tax.
To find out if your state requires the extra sales tax payment, contact your state’s Department of Insurance.
No insurance company, whether it is your insurer, or another insurer who insures an at-fault driver, wants to pay you one dollar more than the lowest Actual Cash Value (ACV) that they can find. When the insurance company declares your car a total loss is when the strenuous negotiations begin.
Your mission...should you accept it...is to prove that your car is worth its absolute highest value.
State sales tax percentages vary widely from state to state. Here in Georgia, sales tax is calculated on a county-by-county basis. In Cobb County, where I live, the sales tax is 5%. However, just across the county line in Fulton County, the sales tax is 7%. But in the City of Atlanta, sales tax is 8%.
Look at the numbers on a $30,000 automobile. If you lived in Cobb County at 5%, the insurance company would owe you an additional $1,500.00. If you lived in Atlanta at 8%, the amount would be $2,400.00.
If you do not demand the extra sales tax payment, you're leaving thousands of dollars on the table that you are likely entitled to collect.
Don’t allow the insurance companies to mislead you. The Actual Cash Value of the car must include the state sales tax.
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