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Beaux Knows Insurance - Reed Insurance
United States
Приєднався 19 лис 2013
I’m Beaux Pilgrim - Welcome to Reed Insurance! This channel will teach you about all things insurance - from homeowners insurance to renters, auto and car insurance, business policies, general insurance claims, different coverage options and how to prepare for emergency situations like floods, earthquakes, roof damage, bodily injury, and more.
Need insurance coverage? Looking for a reliable insurance plan at a great rate? Learn more about how we can help with:
Home, Auto, and Umbrella Insurance - www.reedinsla.com/personal/
Business Insurance - www.reedinsla.com/business/Insurance
Risk Management - www.reedinsla.com/business/risk-management/
Get A Quote: www.reedinsla.com/quotes/
➡️ Subscribe: ua-cam.com/users/ReedinslaVidalia
Insurance Agency | Dave Ramsey Endorsed Provider | Home, Auto, Life, and Business Insurance in Arkansas, Louisiana, Mississippi, & Texas | Call or Text 318-336-5202 | email reed@reedinsla.com
Need insurance coverage? Looking for a reliable insurance plan at a great rate? Learn more about how we can help with:
Home, Auto, and Umbrella Insurance - www.reedinsla.com/personal/
Business Insurance - www.reedinsla.com/business/Insurance
Risk Management - www.reedinsla.com/business/risk-management/
Get A Quote: www.reedinsla.com/quotes/
➡️ Subscribe: ua-cam.com/users/ReedinslaVidalia
Insurance Agency | Dave Ramsey Endorsed Provider | Home, Auto, Life, and Business Insurance in Arkansas, Louisiana, Mississippi, & Texas | Call or Text 318-336-5202 | email reed@reedinsla.com
Ease The Process Of Your Auto Claim With These Tips!
Ease The Process Of Your Auto Claim With These Tips!
Переглядів: 74
Відео
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Thanks, I wandered what happened if they gave you the wrong information such as Dr license and policy numbers are fake.
That could be a real problem. If you are in an accident, try to take pictures of the scene of the accident as well as how the cars are at the time of impact. Also, pictures of driver's license, ID cards, and license plate. This should help.
Thanks for this video. It was very informative ! I recently got my license and haven’t started driving yet. If you could make a video about best auto insurances and practice for new drivers, it’d be great. I live in nyc.
Police wont always come out or do a police report. 1/2024 - I was hit w/damage in back, called police, who balked at sending a cop out, but did. Even the 911 guy acted irritated! The guy from out of sdtate who hit me did not have an insur card & took him 1 hr to get it digitally! The cop said she'd only file a compalaint if he did nt find his insur info! I called his insur co & filed a claim. Germania Insur called the next day. He didnt even call them till 2 days later!
Yes because Mississippi have a lot ghetto hoods
Why does the insurance company and the claims representative need the loan information on the home ?
The mortgage contract requires them to be included in the claim payments.
It is not fair that insurance does not pay for replacement costs. Seemingly that is the point of having insurance.
This is going to depend on the policy type you buy. All policies are not equal. Some do pay replacement costs, and some do not. Have this discussion with your agent. If your agent will not or you do not feel like they are giving you the best options, talk with a different agent.
Thanks for the video. I was bumped and the person stated they want to pay out of Pocket. I didn't call cops but retained all intimate info. Could I still file without police report?
you can; you will need the other party to collaborate or provide some other form of proof, though. Otherwise, it is your word against their word.
What if you have the same insurance
In an event of getting your “Parked” car mashed in from the front end of the bumper to the fenders…what do I do if I am NOT insured & the person at FAULT do have insurance ❓❓❓
have the police respond so you can have a record. Ask for the other person's insurance insurance and report the claim. Understand that some states have laws that will prevent an insurance company from paying part or all of your damages if you do not have insurance. What state are you in?
@@vir70eli72 Georgia but the accident happened on a FedEx ground private property
Hey man, You just helped me soooo much. I have a roof job that I made a claim on. I don't know much about this and I was upset at the check that was sent and what the roofer was charging me. I was about to call the insurance company, and looked at this video. You cleared up things for me. I realize I will have to pay some, but will get my money back. Phew I can calm down. Thanks alot.
Gald it helped.
Can basic economic loss coverage be the final settlement ?
how does it know I am the one driving the car or that I am in someone else's car?
it does not know that. But the goal is to monitor how you drive so you can get the best credits. You can also turn off the app if you are driving somewhere you are not use to, example: on vacation in a city.
What do i do in my situation? I was a passenger in a parked vehicle(my driver was not in the vehicle, as i was waiting for them). Someone backed into the vehicle i was waiting in, they gave me their insurance info but im not sure what to do as i was injured as a result from this accident
@@ladiidreamsz9848 Go to your doctor to get check out and call the insurance company to explain the situation and open a claim with them.
How do I use the uninsured motorist claim if accidents happens
Report the incident to your agent or insurance company. They will take it from there.
They are 100% trash. Stay away from them.
Im fighting liberty mutal they are refusing to come out to look at the car and i have a police report that shows the other driver at fault and they are giving me a run around talking about the other driver stating road rage there was no road rage the guy hit me and fled the scene i got the guys plate number the cops went to the guys home and the adjuster is refusing to come out to look at the car and the case is escalated to a pannel review board
So sorry to hear of the trouble. Keep pushing on the review board. If you can find any witnesses or dash cam footage, that will help.
Oh please- the adjusters just facilitate rip-offs
UA-cam Folks, what's the heck wrong with all of you ? Are you bringing some valid content and discuss a serious issue or playing a concert - music like on the radio ? Is it even possible to hear speaking someone on the subject without hearing some ***ucking disco in the background ? All the best.
Dang
Hi Beaux I like your videos. Can you make some videos about life insurance or do you have some that I’m not seeing? I’m trying to get into selling insurance especially life. Thanks.
@@michaelryan1274 Thank you for the request. I don’t have any content on life insurance and have stayed away from the topic as I don’t specialize in it. I can tell you this, Life insurance sales is a very financial rewarding profession plus you are able to help so many families. Good luck to you.
Ley say, you're driving home with 3 friends a drunk driver hits your vehicle, injures everyone and run away from the accident. If you have uninsured/underinsured of $20,000/$40,000. Your medical bills are $35,000, while the insure company divide the $40,000 amongst 4 people or do your medical bill have priority. Do the passengers have access to your uninsured/underinsured BI. Can the parents of the passengers sue your insurance company when its the other driver is liable?
@@martinyates8192 It will be applied to each person as they have medical expenses. No priority is given to the owner of the policy. Some states this lawsuit can happen.
I had a rental car and somebody hit me in the back and I fixed the rental car and brought it back and they didn't even recognize the the car was damaged I have an insurance they have insurance the people that hit me and can I go to their insurance and get paid
@@RickyLandon-y5v it will be difficult after the repairs have been made, but you may be able to do that. Present photos, paid invoice, police report and any eye witness reports, you might be able to recover your money.
Great video
@@mohammedali-jd5kf thank you
Beaux - My new landlord has decided to require renters to get renter's insurance. I've never had that before and need some help. Can you recommend reputable agencies for Vermont specifically or even nationally ? I've heard some bad things about some of the big name companies so I don't trust advertising. Can you give me any help with this problem ? Thanks for the great advice in this video !
Someone hit my car and the person doesn't want to respond to there insurance so my car can get fixed.
MUTUAL AND SAFECO ARE CONNECTED I WISH THEY WOULD CARE MORE ABOUT THEIR CUSTOMERS THAN THEIR COMMERCIAL THEY WILL DROP YOU IN A SECOND. LAKES AND PONDS GET DIRTY AND GREEN, BUT MY POOL WAS DIRTY DURING THE WINTER AND THEY GAVE ME LESS THAN 2 MONTH TO PUT IN A PROFESSIONALLY INSTALLED POOL COVER . THEY CAN MENTION IN THEIR AD AND COMMERCIALS THAT THEY CARE BUT THEY DON'T. WHAT ABOUT ALL THE YEARS THAT WE PAY FOR INSURANCE AND NEVER USE IT. WE ARE MANDATED TO HAVE INSURANCE BY THE GOVERNMENT BUT THE GOVERNMENT IS ALLOWING INSURANCES TO DROP PEOPLE LEFT AND RIGHT. INVEST YOUR MONEY ON US NOT YOUR COMMERCIALS
Oh we don't cover that. Oh we don't cover that. Oh we don't cover that oh were going to charge you more for less
Insurance polices are complex and there are many options. This is one of the reasons it is important to pick and independent insurance agency that is know just for having cheaper prices. An independent insurance agency works for you. A good one will make sure you understand what you are buying before you buy.
I have no insurance but my car got hit by some other company truck that is a vendor for my job. Will I still be able to get my car fixed ?
That will depend on your state laws. Some states have penalties if you don't have insurance but should. What state are you in?
@@vir70eli72 Wisconsin
@@vir70eli72 Wisconsin
@@vir70eli72 Wisconsin
Awesome!!! I'm going to tell my clients about this!
First inspection ever… so scared 🥺
Don't be scared. They will let you know if there are any issues that need to be addressed and will give you time to take care of them.
What you should be more scared of is if your electrical or plumbing isn't up to code and you don't realize it. An insurance inspector just makes sure your home is safe. Living in an unsafe home is more scary than someone coming out to warn you about any potential dangers
@@christopherharv well said
#1. Thank you for the video, I was expecting another video about how adjusters are always trying to rip you off. It was refreshing to find that was not the case. As a property claims adjuster for 16 years, 7 of those with a major carrier and 9 as an independent adjuster (not a storm chaser type), and having worked both residential and commercial claims ranging from $500 to $5M (over the course of my career), I can honestly say that it is SO MUCH EASIER to find a way to pay a claim (i.e. coverage opportunities) than to have to deny coverage, and just about any claims person I’ve ever talked to about that has agreed. Denying claims sucks and it’s not a discussion we look forward to. The issue generally stems from property owners not understanding that an insurance policy is a contract, and the property owner and the insurance companies agree beforehand what is going to happen under just about any given circumstances. And generally you get less coverage for by opting to go cheap (i.e. like opting to save money and getting a “cosmetic damage” endorsement on your roof). That is all set in motion and the contract is signed and all parties have agreed to its conditions typically long before an adjuster enters the picture. All the adjuster has is to rely on is the facts of what happened and what the policy dictates is to happen in response. Oh course, like any other industry, you’re going have some a$$holes, but that’s just people in general (including property owners). Deductibles: don’t blame your deductible on your adjuster. RCV: don’t blame your adjuster if you didn’t opt for replacement cost coverage. Insurance fraud: it’s a real thing. Luckily, the vast majority of are good. However, it’s not terribly uncommon. The faster I can get all parties to agree that the proposed settlement is fair and reasonable, get the insured paid, and get the claim is closed the better. I wish everyone one the best. #maga #infowars
Thanks for the feedback and great info.
Great explanation
Thank you
I'm new to this. Question. How many roofing contractors can I have at the initial adjusters meeting? I haven't decided which one to go with although I've talked to three and they all seem pretty good. I hope you see this and reply quickly. My adjuster's meeting is on Tuesday. Thank you... 🤗 I hate to ask one of the roofing contractors this question so here I am... 😊
@@gloriasilence I would not ask more than one to be there. The adjuster may be a little on guard when the roofer shows up unless you let them know and explain why you want the roofer there. You may let the adjuster know by saying “I would like my roofer to be there so they can understand the scope of work and they don’t have to reply on me to explain since I am not a roofer. Their name is _______, have you worked with them before?” You may ask each contractor if they have worked with your insurance company and if they know the adjuster by name. If they are friendly, the one who does might be your best option.
I recommend that EVERYONE gets gap insurance at the back so that they’ll never be upside down if their vehicle is totaled. My brand new motorcycle got totaled and I would be upside down if I didn’t get that gap insurance.
@@aaronclark4790 This is good advice. You can buy it through you insurnace policy for less than through the dealer. Ask your agent about it.
Great content! I have a quick question, would you recommend getting a MRI done even if you're not sure you need one, will the at fault insurance pay for it?
I think this depends on the severity of the accident. If you struck your head or had a jar that left you stiff or sore, then yes. The insurance company of the at-fault party would decide if they will pay or not, but they should. Also, your health insurance will pay upfront and will try to recoup from the other insurance company. If you go this route, you will have to pay your deductible, but your health insurance company will try to recoup that and the expenses.
Have zero sympathy for adjustors or loan officers.
@@SaintlySaavy I would just focus on treating then “saintly”
@@vir70eli72 we all have a job to do. Their’s is to represent their company’s interests. Not saying to treat the badly or with disrespect, I’m saying I acknowledge that they have a job to do and it’s NOT in the interest of the insured, but the insurer.
The wind makes it impossible to hear you.
Another insurance sales idiot...
To whom it may concern at Safeco and Liberty Mutual I am one of your poor customers that with great efforts is responsible and follows the regulations of having insurance. Your promise to make it easy for your customers is a false statement. I am a widow. I live alone, and unfortunately, while performing my job as a paraeducator for special needs children, I was bitten and scratched by a student and developed sepsis. I was in the hospital for 11 days when released I had to use a walker Sepsis affected me a great deal. I am not where I used to be, and unfortunately, I may not ever get to be as healthy and fit as I used to be. I had to stop working as a paraeducator. I am currently on disability. Because doctors refuse to treat anyone with workers comp insurance, I have yet to see the doctors that I need to see that were recommended by the medical evaluator. I continue giving and doing all that I'm able to do with a smile, until yet another insurance company like yours lets me know that a poor person is worthless to you. I'm thankful that God loves me rich or poor. I know my situation is not of your concern. I wanted you to know the kind of person you are kicking off your insurance company. You have given me less than 2 months to find an affordable company to install a pool cover professionally. I asked my agent to have Safeco provide a picture of the specific cover Safeco requires.I absolutely cannot afford the first one, let alone a second, because it may not meet your requirements. Safeco will not furnish any guidelines or pictures for what you want. Which goes to prove that you want me to fail so that you can discard another deficient person from your insurance. In this day and age, everyone shops from Amazon, but Safeco won't approve a pool cover from Amazon. I have insurance because that is what is required. I’m not one of your rich clients who can install anything at any cost. I know I am not an exception to the rule, I wonder how many other poor people you are forcing off. Just because we are not rich. Not having money does not make us less important. Are there enough rich people to sustain your insurance company? You may be able to dispose of all the poor people from Safeco . Unfortunately, you still need us to perform the humble jobs that you can't or won't do. Do you know how many lakes get cloudy or green during the summer? Do you threaten the parks? Do you impose fear on them? Why don't you? Would it be because it's the government and you need them, or because the government has money? Or both???? AT SAFECO INSURANCE, WE UNDERSTAND YOUR LIFE IS PRECIOUS-AND SO IS THE LIFE YOU WORKED HARD TO BUILD. This is also a false statement. God bless you
😂 Adjusters don’t have insurance companies bottom line in mind. 👌🏼
haha. Well, no doubt it is a balancing act of keeping their employer happy and also the customer. But at the end of the day, if they abide by the insurance policy, pay for damages, and pay at the market price, they will accomplish both.
Is their a time limit on when the at fault driver insurance/adjuster have to get back to you with information? I emailed them all details about the accident 3 weeks ago including pics and videos and I’ve called and emailed them 2-3 times a week only to get a response last week that they’re waiting to hear back from their insured client who’s at fault.
In most states, 30 days is what is required by law. 3 weeks is too long. We usually see a timeline of from when the claim starts to when the vehicle is in the shop is about 2 weeks. Then you are at the mercy of the shop. I would ask for a supervisor.
@@vir70eli72 ok that was my thought on my next step, will do Thank You!
@@vir70eli72Hey I need some piece of information today morning I met with an accident and that guy coming from the community which is blind spot and he came directly into the two way road and I hit him police said it's not your fault. Cai get the same in report or they also ask the other guy what's happen I need to know
Thanks for this video! I'd like to have a conversation with you about your content and experience. I recently had to file a claim and want to get a better understanding of the inner works. Please reach out.
Glad to help out. What state do you live in?
Bla bla bla
hahaha. Thank you for the comment.
90% OF YOU WHO DON'T HAVE INJURIES won't RELATE TO THIS VIDEO BECAUSE UNLESS IT'S A MINOR DENT OR SCRATCH ON a 60,000 + DOLLAR VEHICLE ; BECAUSE THE ADULT POPULATION HAS EXPLODED AND BODY SHOPS ARE SO BEHIND AND CANT GET PARTS FOR WEEKS OR MONTHS , SO THE INSURANCE TOTALS 80% OF THE TIME NOW , AND SCREWS ALMOST EVERYONE ESPECIALLY IF YOU ARE STILL PAYING ON YOUR CAR .
100% incorrect. Body shops that are run well are not backed up. 80% of claims are not totaled The adult population has not exploded. Insurance companies are not in the business of screwing people. Don't know what you are saying in the before the ";"
We've been with the same carrier (AAA) for 24 years, with one claim. You'd think, after at least $40k in profit off of us so far, that they know we're a low risk. I'm sorry, capitalists are going to maximize their profits, they don't care about you or your home. They'll drop you like a hot potato if they think it'll improve their bottom line. Time was, people knew each other, small businesses served their communities, bankers lent to people they actually knew from town. Now we're all at the mercy of giant corporations who see you as a resource, not a human. You're a source of money for them. Heaven help you if you don't mow your lawn. What a load of bull puckey.
I was hit from behind and I wasn’t at fault the impact was so strong it made me rear end someone in front of me smh 🤦♂️ like where do people get there licenses from?
haha. Yeah. Lots of people distracted driving. Sorry to hear of the accident and hope you are doing well.
If my house is totally destroyed beyond repair. Do i have to rebuild the same home or any home that fits the allowed insured amount?
You can build any house you want. You will be locked into the limit only in that they will not pay more than that. The company will pay the lesser of these: The amount it takes to repair, replace, or rebuild your home. If the home costs less than your limit, they pay you that much The home costs you more than your limit, then they will pay up to your limit. If you don't want to build at all, they give you a check for the market value of your home.
😂
❤
This seems biased to me. There is a major point that is not discussed in this video, which is the fact that in California, a lot of homes are expensive and insurance companies are looking for ways out of insuring their customers any longer. This would lead a company (who is trying to make a profit) to find excuses to reject customers who will then be at higher risk of losing everything.
All insurance companies are looking to make a profit. They don't stay in business if they do not make a profit. The insurance company will cancel if they see that the property is undesirable. Just like anyone who goes to a restaurant and sees that the upkeep of the property is undesirable, they will leave. Same principle.
I was in accident on the 27 t boned they ran a red light I broke my ankle 3 fractured ribs vehicle is totaled I got lawyer about the second week. The others ppl. Insurance. Totaled it out and. I been to therapy now. What’s next process I was told I was to receive pip but lawyer. Said it would be all together in claim I kinda need that now
you will have to wait on the legal process now since a lawyer is involved. Do not try to deal with the insurance company directly as they legally cannot. They have to deal with the lawyer. If the lawyer does not pursue the PIP, you will need to hire another lawyer.
I was in accident on the 27 t boned they ran a red light I broke my ankle 3 fractured ribs vehicle is totaled I got lawyer about the second week. The others ppl. Insurance. Totaled it out and. I been to therapy now. What’s next process I was told I was to receive pip but lawyer. Said it would be all together in claim I kinda need that now
You will have to wait on the legal process now since a lawyer is involved. Do not try to deal with the insurance company directly as they legally cannot. They have to deal with the lawyer. If the lawyer does not pursue the PIP, you will need to hire another lawyer.