Can you refuse to give you insurance info?

Question

There was a flood at my apartment this past weekend. I had to stay in hotels. I called my insurance and they said that they would not cover the stay, and since the flood was caused by faulty work by the plumber the landlord hired that it should go through the landlady's insurance. I told them this. She agreed to pay for 1/2 of my hotel bill. Now she's asking for my insurance policy number...can I refuse to give it to her??

Answer 1

No you should not give her your policy number. First thing you should contact your insurance company which you have and tell them what happened, like you did. They said they can't cover it because there is a totally separate policy that covers floods. A Renter's Policy or even a Homeowner's policy does not cover floods. Any person wanting a flood policy has to purchase it separate. However since you live in an apartment you can't get one anyways because your policy is just for the belonging in your apartment from fire, theft, and vandilism. I would ask your insurance company what you need to do and it will come down to two things. Either you go after her and sue the landlor and than she would sue the plumber or she would have to file a claim under her landlord policy if it has flood protection, which I doubt, and than she would go after the plumber for the money.

Bottom line is that you should not have to pay for any of your hotel bill because you were the one inconvienced by the flood. You were forced out of your home. Basically you go after the Landlord because she hired the plumber and she is responsible to answer to you and than she is responsible for getting the money back for the problem from the plumber, or if not under her REQUIRED Landlord policy if possible.

Answer 2

Did your insurer send you a letter stating the reasons in writing why they were denying your claim? Make a photocopy of the letter, black out your policy number and give that to her. She has no business asking for your policy number. Neither your company nor the adjuster will discuss anything with her. She has no power or influence to change the company's decision. If they have not sent you a letter ask for one.
You really should be suing the plumber. The landlady's property policy will not respond for your extra expense as you are a tenant. Her company may also deny the claim under the liability portion as this was faulty workmanship on the plumbers part. You are better off seeking compensation from the plumber (forget the pay 1/2 your bills garbage) and/or their insurer.

Answer 3

She probably wants to make sure your insurance didn't pay for the stay so that you don't get a check from both companies.

Maybe you can call your insurance company together so she can talk to them without you giving up all of your information.

It could be that her insurance company is asking for your policy number. I haven't had to file a renter's claim before but when I was in a car wreck, I had to give all of my car insurance info even though the other driver admitted fault and her insurance company was going to be paying the bills. I don't see a lot of problems with giving your landlord your insurance info.

Answer 4

You can refuse, but then her insurance can refuse to pay your hotel bill. It's probably the same idea like in health insurance, that's called Coordination of Benefits - meaning if one insurance can get another to pay, why should they lay out the bucks? I have a feeling that her insurance wants to make sure your insurance won't cough up the cash - it's not that nobody believes you, but since insurance companies are stingy, they just like to be double sure.

Answer 5

nicely it wasn't an twist of destiny yet incompetence on the component of the tow employer. How did you recognize she damaged it via incorrect lowering? were you there? Do you've witnesses? Have they admitted they did it? I in straightforward words ask those questions because in case you pursue this further those are the questions you'd be requested. Are you contained in the AAA? possibly they could help, if no longer search for advice from a legal professional, (value you even with the actuality that) yet without witnesses or an admission from the employer this s going nowhere i'm afraid.

Answer 6

It is up to her Ins company to ask for your policy. Technically if she filed a claim (which she should) then her carrier ( if they found negligence on your part) would ask for your carrier and policy #.

You were not at fault (causing the damage) so I would not give out any info, but notify your carrier to send a letter to her denying coverage. That will make her take action and as well most likely you will be paid for the Motel stay as well.

Answer 7

You can, but it is not in your best interest. Your insurance company will work on your behalf. Give her your insurance company's phone number and your policy number, and let them work it out so you don't have to get involved. Your insurance company will most likely make sure her insurance pays all of it, not half.

Answer 8

I suppose you could, but why not just give it to her? Maybe she'll be able to talk your insurance company into covering part or all of the hotel bill. What could it hurt?

Answer 9

Yes, you can! And she can refuse to pay half your bill without it. Then you go to court, where you have to give the info to the judge.

I don't know what good YOUR insurance is going to be for her, though.

Answer 10

why not? your agent will not giver her any personal info (ie: ssn, dob etc) because thats against the law. she probably wants to see if they will reimburse her for anything, and if they wouldnt pay it for you, they wont for her.