Choosing an Auto Insurance Agent

One Mr. Mxyzptlk the most important insurance questions 1960 Fleer baseball cards need to answer is which agent is right for you. You can shop for insurance on your own, but having a knowledgeable agent help will make the process so much more smooth. And, once you have your insurance, you can take all of your insurance questions to your agent, rather than negotiating all of the red tape that is common in the insurance industry.

First, you need to decide whether you want an independent agent or an agent that works directly for the insurance company. Independent agents are not employed by any particular insurance company, and as such they can provide you with a broader range of products. They can donate your car you policies from a variety of companies, rather than just one. A direct-writing agent works for one insurance company, and therefore can only show you products offered by that one company.

Chances are you will want to use an independent insurance agent. You need to choose several in order to find the right one to fit your needs. You will want to ask your agent for information accident no win no fee the professional associations he belongs to and the designations that he has. This will show you whether or not he knows the industry well.

Next, choose an agent that will act as your active advisor. You may want to put this agreement in writing for your files. You need to be able to go to your agent with all of your insurance questions, no matter how small they may seem to you.

You also want a knowledgeable agent. Ask a Kubrick toys of questions before you sign up for the policy. Ask detailed questions about the policy, such as how a particular type of claim will work. Before you ask, make sure you know the answer yourself. Then you will know whether or not the agent is knowledgeable about the policy.

You will be working with your insurance agent on a frequent basis. Choose one that you feel comfortable talking with. Personality is important when it comes to choosing an insurance agent.

Finally, choose an agent that will give you everything in writing. As much as you might like to take the agent's word for a particular policy guideline, your insurance company is only required to act upon that which is written in the policy. Never accept a policy on hearsay. Make sure you have the important points in writing, even if you completely trust the insurance agent.

For the href="insurance-questions.org/auto/choosing-the-best-car-insurance-company.shtml">Best Car Insurance Company and answers to the rest of your href="insurance-questions.org/">Insurance Questions be sure and visit Insurance-Questions.org

Worried About a Deficiency Judgment? Negotiate it Away

So far in the foreclosure crisis and resulting meltdown W S Kimball Champions the financial markets, there does not seem to have been an increase in the number 1970 Topps baseball cards banks seeking out deficiency judgments against homeowners. On the contrary, the market has really only seen increases in the number of banks attempting to unload Captain Action Presto Magix mortgages onto the government.

As a result, it may be easier to get a loan modification through the government, if the loans are eventually taken over (like with Bear Stearns donate a car AIG mortgages). But banks have not increased their activity in pursuing foreclosure victims for deficiency judgments.

If homeowners are planning on using the "produce the note" defense to avoid a deficiency judgment, though, they should do that in their defense to the bank's foreclosure lawsuit. Immediately upon being served with the paperwork, they can file a Motion for Extension of Time to request an additional 30 days or so from the court to put together their answer. Then, based on the contents of the complaint and the bank's actions up to that point, borrowers can file a Motion to Dismiss based on the bank not providing the original note.

In their answer to the complaint (which would not have to be filed until after the Motion to Dismiss has been ruled upon), homeowners can claim the bank has suffered no losses because of its bailout by the government. To sue for foreclosure, the bank must suffer a loss on the contract -- it can not transfer the note to the government and still sue for recovery of damages.

This defense may not have been used yet, and how far it will get homeowner is debatable, but the longer borrowers can drag out the lawsuit, the better chance they might have to force the bank to negotiate a loan modification, deed in lieu, or other solution.

If nothing else, homeowners can probably hire an attorney for a few thousand dollars and get an extra 6-12 months to live in the foreclosed house mortgage-free. By then, the bank may be willing to negotiate a deed in lieu just to get control of the property and move the owner out of the house.

In those negotiations, borrowers can specifically demand that the bank give up any right to sue them again for a deficiency judgment or any other damages. Although the deficiency may not be a problem, this route may give homeowners the peace of mind they are looking for.

To find out more about the foreclosure process, visit the My href="myforeclosurelender.com/">Foreclosure Lender website, which provides services to borrowers trying to save their homes. Foreclosure loan and mortgage modification assistance can be found, as well as information on stopping a foreclosure before the sheriff sale. You can find the site on the web at the following: href="myforeclosurelender.com/">myforeclosurelender.com/