According to the Financial Ombudsman Service there has been a 70% increase in motor insurance complaints over the past six months.

With the value of cars rising, motor insurers are choosing to repair cars as appose to writing them off. This has resulted in the majority of disputes between consumers and insurers being based on bad quality repairs and valuations.

Repair costs for cars that are worth £30,000 to £40,000 can easily be in the region of £15,000. Because of this, many insurance companies prefer to have the repairs conducted at one of their garages, whereas the consumer may prefer their vehicle be repaired at a specialist garage.

Consumers that find themselves in this situation do not have to accept repairs at the garage their insurer offers. They can choose exactly where they would like their vehicle to be repaired.

Moreover, the vehicle should leave the garage in perfect condition. Any dissatisfaction regarding the quality of repairs and the insurer should commission a report from an independent engineer report.

Another big problem the ombudsman found is that there has been an increase in the number of consumers that have been denied payouts when their car has been stolen.

“The typical scenario is you get up one morning and your car has gone. The insurer somehow blames you for it, and refuses to pay up on the grounds that it can’t be stolen,” Robert Short, lead motor insurance ombudsman.

Insurance companies justify this move by saying that many of today’s cars are fitted with sophisticated security systems, and that the only way the car could have been stolen is down to consumer carelessness.



By: Liam G

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Insurance

In the absence of a significant catastrophe like a hurricane or earthquake, finding a job as an insurance adjuster can prove challenging. The field for independent adjusters can be particularly tricky and those looking to break into the industry need every competitive advantage available to them. Knowing how to write an industry-focused insurance adjuster resume can provide new and experienced adjusters alike with a particularly unique advantage.

Crafting a powerful and effective resume for work as a claims adjuster obviously requires first understanding what particular qualities hiring companies look for. Here are 5 keys to a great resume based upon the particular needs of adjusting firms and insurance carriers:

Key #1: People Skills

Insurance claims adjusters should possess excellent people skills and hiring companies will certainly take notice of a resume that paints a picture of superior interpersonal communication. You don’t have to be Dale Carnegie, but you should be able to demonstrate an ability to deal with a wide variety of people in various stages of stress, anxiety, and agitation. Emphasize in your resume the polite, professional, and cordial manner with which you have effectively dealt with people under the aforementioned conditions.

Key #2: Construction/Engineering Experience

If you are applying for a position as a residential property adjuster, you will most certainly want to highlight your experience with residential construction. Do you have a working knowledge of how a house is put together? Do you know the difference between soffit and fascia? If so, how do you know? Have you worked on a construction crew? Operated as a general contractor? Helped your uncle out with building his deck? Adjusting firms in particular do not want to devote significant amounts of time in training their adjusters in basic construction terminology. Allay their fears immediately by highlighting your facility with the property construction pertinent to the position you are applying for.

Key #3: Computer Skills

The days of hand-written estimates are essentially over for the professional insurance adjuster. Estimates are written and submitted electronically and if you know your way around a computer it will be greatly to your advantage as you put together your resume. Many companies will not even consider a new hire unless he or she is comfortable using Xactimate 24/25 or MSB Integriclaim (the most commonly used property estimating programs). If you don’t know these programs consider taking a course in Xactimate or IntegriClaim. If you are unable to take a course, at the very least you should express clearly in your resume an ability to use Windows-based software. If you are completely computer illiterate, you may consider taking a Basic Computing course before you seriously pursue a career in claims.

Key #4: Insurance Policy Knowledge

Knowing how to read and apply an insurance policy is very important for any adjuster and hiring companies know it. If you have worked in the insurance industry before and have a basic knowledge of insurance terms and concepts you shouldn’t fail to portray as much in your resume. Even if it is as simple as having read your own homeowner’s or auto policy (more than most do!), you will want to let your prospective employer’s know about your comfort level with insurance policy jargon and interpretation.

Key #5: Time Management and Personal Accountability

Working as a claims adjuster, especially if you want to be an independent, requires outstanding time management as well as personal initiative and accountability. In putting together your resume, be sure to think about various experiences in your professional history in which multi-tasking and personal accountability were required and met. Within reason and your own honest ability, project the most professional, capable, can-do image possible. This, as much as anything, will leave a positive and lasting impression on your future employer.

A Final Thought on Your Adjuster Resume…

As resumes and curriculum vitaes are submitted more and more in electronic form, there is a temptation to lower your standards for the appearance and grammatical integrity for your resume. After all, we don’t observe Strunk and White’s Elements of Style when emailing and text messaging – why should we really observe those old-fashioned standards when posting an electronic resume? Indeed, many optimistic job seekers are submitting 2nd to 3rd grade quality material to career sites on the Web. Is it any wonder that no one is giving them a second glance?

Keep your standards high! Take the time to write a well-considered, grammatically sound, and visually pleasing resume. And if you create your resume according to the 5 keys above, you will absolutely gain a competitive advantage as you look to launch or advance your insurance adjuster career.



By: Dan Kerr

About the Author:

Create a video blog…instantly.

Knowing about how credit cards work, and a few credit card debt facts can go along way toward preventing financial disaster. Here are a few things that are helpful to know.

Creditors want to help you

Sounds crazy I know. But if you are able to pay them anything, and hopefully everything you owe, they come out ahead. Credit card companies will be more willing to deal with you if you deal with them in a professional manner. If you get upset and out of control, so will they, and nobody will come out ahead. Also, creditors do not want to see you file bankruptcy as they will probably end up receiving almost nothing. And at the same time, your credit history will be trashed.

You can negotiate

Related to the first point above, credit card companies are willing to negotiate things like late fees and penalties, and may even lower interest rates if you can threaten to take your business elsewhere. You have to be able to back that up though!

Deferments for financial hardship

If you find yourself temporarily out of a job, contacting your creditor may get you a deferment. You may be able to skip a payment or two. Be aware however that the creditor will come out in the end; you’ll have extra finance charges to deal with.

Even with bad credit, you may be able to secure a loan to pay off your debt.

Yes, you won’t really be paying it off, but a loan will most likely eliminate the high interest a credit card company will charge you, and may make it easier to budget a set amount each month to apply to your debt.

These simple credit card debt facts may be of help in easing your mind somewhat when facing huge bills and debt. Just knowing there may be ways to lessen the impact of big debt can help lower stress.



By: John Phillips

About the Author:

Kansieo.com

Making money with website? You might be how shocked at just how simple it is making money online with a website. If you own a website, or are considering launching one, and would love to make some extra cash, then there are two basic things you need to know. Understanding this, you’ll find it is very easy to make money on the internet using a website.

People go on the internet because they want information. People want to find out how to fix their problem. Generating an income from the internet is as basic as helping people find what they need. All you have to do is help them solve whatever it is they are looking for. If you can offer them a solution to a problem or help them solve something they are having difficulty with, they will be very happy to pay you to help them. That is what is so good about the internet. Helping people.

To give a person what they need to fix a problem and generate an extra source of cash, you must make sure people know how to find you. Of all the places on the internet, the majority of people use Google when looking for answers to problems. You easily get at least 90% of your business thanks to Google. That’s excellent because they find you with Google and it costs you zilch and you are literally earning 100% profit on anything you sell them.

Need to start making money with website? If you can setup a website that gives people what they need, you’ll be making money online in no time. Giving people the answers they need and they will happily pay you for it. Why not start today?



By: Creztor Tessel

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Website content

Ever wonder why some experts recommend you to use your credit cards wisely. Below are some common sense tips that you will love to know about how credit cards work.

*Use First, Pay Later- Having a credit card allows you to purchase items first without affecting your cashflow, you are actually getting a loan from the bank. In a way, the bank pays for you first for the merchant while you pay the bank later.

If you have a large item, like a television, to purchase and know that your cashflow is tight, wait 1-2 days after your billing cycle date or statement date. Check with your credit card company, they will know. For example, your statement date 5th of June, you charge it to your credit card only on the 6th or 7th. In this way, your payment due date for that large purchase will only fall on the 29th or 30th of July, assuming 25 days grace period. That gives you almost 2 months of grace period!

*Credit Card Companies Love you- Focus only on ONE credit card, in this way, all your spending is accumulated on one credit card. Take out your wallet, pick one credit card that gives you the most benefit and destroy the rest, YES, cut them into half.

Listen, I have reasons for doing so. In this way, you can track your spending more efficiently since you have only one credit card, your credit rating by the bank will also improve. Also, in times of emergency, when you ask your bank for temporary credit limit increase, your chances of getting it will be higher as well.

*Rewards- Depends on your lifestyle, do you shop a lot or are you a frequent traveler, or you just want a credit card to purchase your daily necessities? Choose a credit card that suits you the most will let you earn your rewards points faster and you feel good knowing that you get rewarded for spending!

Don’t listen to the salesperson, he will tell you that you will need this and that, read the terms and conditions carefully and choose ONE credit card that suits you the most in terms of rewards payout.

*Card Fees- It’s an open secret that banks will waive your annual membership fees, if you are a high spender, just hint that you will stop using the card and they will grant you the waiver. Don’t threaten to close the account, that will leave a bad impression on you and your future interactions with the company will not be nice, you never know what’s recorded down by the staff managing your account. “WARNING, DIFFICULT CUSTOMER.”

*Late Charges and Interest Charges- Oh no, you overlook the statement and forgotten to pay. Be honest, do not lie, the bank has guidelines to waive your late charges and interest charges, have them to explain to you. In some cases, they will be glad to offer you solutions to aid your credit card usage.

*Always make Payment on time- At least the minimum payment if you can’t afford, this will allow your credit rating to be excellent. However, do not make only minimum payment for every month, the interest rate is high! But the company will love you for doing that. If possible, make full payment for your credit card bills every month.

Enjoy using your credit card!

JTYS

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By: Johntanyishin

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credit card debt