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About Richard Hixenbaugh
(Top Expert on this page)

Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present clients
My company has done work for consumers nationwide.

   

You are here:  Experts > Autos > Auto Insurance > Auto Insurance Claims

SubjectDate AskedExpert

co-owner-no insurance8/29/2008Doctor Settlement
  Q: My boyfriend is a co-owner of a car that he and his ex-girlfriend purchased over 2 years ago. Their ...
  A: Doctor Settlement is an expert on personal injury insurance claims, but I will try my best to sort ...
Auto Insurance and Accident8/29/2008Richard Hixenbaugh
  Q: I was hit in the rear at a stop light and hit the car in front of me. The guy who hit me took off. ...
  A: You should not pay him anything. You were not at fault for the damage. If he is also aware that ...
Advice needed : )8/29/2008Richard Hixenbaugh
  Q: I was recently rear ended. The collision damaged the unibody (sp?) and the insurance company ...
  A: In addition to the cost of repairs, you are also entitled to be paid for the loss of value to the ...
losses/diminished value8/29/2008Claims Guy
  Q: ok short version/ our son was rear ended by a drunk driver while sitting at a red light who in turn ...
  A: At this point you should call GEICO and the body shop and explain your concerns. It appears the ...
geico settlement8/29/2008Richard Hixenbaugh
  Q: My daughter was sitting at a street light and was rear ended by a geico driver. I was told the ...
  A: I'm sorry your daughter had to go through this. Under the circumstances, with over $45,000.00 in ...
Lien holder responsibilities8/28/2008Anne
  Q: My husband bought my step daughter a truck. The truck is registered in her name only with my husband ...
  A: If you husband is not listed as an “owner” or registered “owner” anywhere, there is no liability ...
Auto Insurance claim8/28/2008Richard Hixenbaugh
  Q: I drive a scion XA 2006. I was involved in an minor accident near my house when an older lady was ...
  A: If you did not get any of the ladies information and there was no independent witness, your ...
gap insurance denies claim8/28/2008Richard Hixenbaugh
  Q: my truck rolloed over and was totaled by my personal auto ins. but it didnt cover all the balance so ...
  A: The thing that determins whether or not they have to provide coverage is the actual wording of the ...
Car Insurance Policy8/28/2008Bennie719
  Q: my boyfriend and I were driving when we were involved in a 6 car pile up, anyway, because of that ...
  A: I have noticed over the past several years that insurance companies are adding drivers to the policy ...
shoulld I sue insurance company8/27/2008Richard Hixenbaugh
  Q: Richard Hixenbaugh: At Feb. 28, about 6 clock,one teenage girl hit my car in my driveway, her ...
  A: You would not sue Allstate at all. If you file a law suit it would be against the girl who was ...
Minor car accident?8/27/2008Doctor Settlement
  Q: My car was recently hit in the parking lot of my son's school. The lady that hit us was backing out ...
  A: From your question I gather that you were not injured and that you are dealing only with minor ...
Enterprise Rent-A-Car8/27/2008Richard Hixenbaugh
  Q: My car was hit while parked in a parking lot by an Enterprise rent-a-car. We got the license plate ...
  A: Unfortunately, the only way to get the information out of enterprise is to hire an attorney to file ...
regarding rental insurance claims8/27/2008Anne
  Q: i had rented out a car and yesterday i felt sick and i asked my friend to drop me and he dropped me ...
  A: Well, It is very hard for me to give you a definite answer without looking at the agreement that ...
Liability and getting an Insurance Company to pay8/27/2008Richard Hixenbaugh
  Q: I was in an accident with another vehicle. Because real fault was not determined by the police at ...
  A: At this point your issue is with your insurance company not the other parties company. If your ...
med pay8/27/2008Anne
  Q: I was a passenger in an auto accident-- not my car--not our fault (sister driving). If the med pay ...
  A: They could. They are not supposed to (you are not at fault) but insurance companies will use this ...
A big tire in the left most lane on the Highway 878/27/2008Bennie719
  Q: On Aug 26, I was driving on Highway 87 north. The traffic was flowing at the speed limit ( ...
  A: Anytime that you hit an object laying on the roadway, it is considered a collision, you are ...
Three Car Accident8/27/2008Claims Guy
  Q: I was in an accident on the 101 freeway in Los Angeles on July 29th. A car in front of me slammed on ...
  A: What a mess. This claim was handled very poorly by USAA, which is unusual as they are a good ...
DO I have to accept The Ins Co's damage estimate?8/27/2008webfoot
  Q: About a week ago, I hit a goat with my Honda Element. The damage appeared to be restricted to the ...
  A: Must have been a Billy goat with radiator piercing horns... I've handled very similar claims and my ...
Car Accident8/26/2008Richard Hixenbaugh
  Q: At a stoplight my son's car was hit from behind. The guy who hit it insurance company said the ...
  A: Unfortunately no. The decision to repair or total a car is soley up to the insurance company. If the ...
car accident8/26/2008Bennie719
  Q: I let my insurance expire due to some financial issues and planning to get a new policy on Friday. ...
  A: Most insurance companies will allow you to enter into a settlement agreement and make reasonable ...
Policy Limits8/26/2008Doctor Settlement
  Q: Dr. I was recently in a car accident in April. The other party was found at fault. I was rushed to ...
  A: You have a VERY SERIOUS INJURY, and please get some good professional information before you take ...
Quick Question8/25/2008Richard Hixenbaugh
  Q: A "jiffyLube" here in Las vegas, NV has detroyed our transmission, according to two ASE certified ...
  A: You should send the owner or nmanager of the shop a demand letter by certified mail.return receipt ...
Right of way v. speeding8/25/2008Anne
  Q: I was in a parking lot that has a residential alley that runs through it. Before making a right turn ...
  A: Probably yes. His statements will hurt his case significantly I believe. However, as you know, ...
Plaintiff in upcoming small claims8/25/2008webfoot
  Q: I am in Sacramento California. Real quick question..try to give you info so you can visualize this. ...
  A: Yes, that is a valid defense argument in some accidents. It is most often applied in lane change ...
pregnant passenger in boat accident exhusband drove his dads boat wont give insurance name or claim8/25/2008Doctor Settlement
  Q: Im a pregnant passenger in a head on totalled boating accident in Fairbanks Alaska my ex husband was ...
  A: Sorry to hear that they are giving you the runaround. I need to first ask two things. #1. Was ...
Auto Accident While Delivering PIzza8/24/2008Richard Hixenbaugh
  Q: My brother was in an accident whiile delivering pizzas for a restaurant chain. He had an accident, ...
  A: This is a common problem. The standard personal auto policy does not coverage damage that is caused ...
Working with at fault Insurance Agency8/24/2008Richard Hixenbaugh
  Q: Richard, I live in Texas. Background: I own an older car, was hit and I am going through the at ...
  A: Unfortunately, the decision to repair or total a car is solely up to the insurance comapny. You, the ...
auto accident entitlements8/24/2008Richard Hixenbaugh
  Q: i was in a accident when a guy ran a stop sign and totaled my caravan . my caravan is a 1998 and i ...
  A: The rebuilt trans mission will add some value if it was done within the last year. You will have to ...
auto accident8/24/2008Claims Guy
  Q: Say a person is involved in a auto accident. Calling this person bob. The other person is at fault ...
  A: I'm glad to hear that things are working out well and the doctor does not expect anything serious. ...
Plaintiff in upcoming small claims8/24/2008webfoot
  Q: I am in Sacramento California. Real quick question..try to give you info so you can visualize this. ...
  A: Honestly, if you tell the judge exactly what you've told me, I believe that you'll be fine. It makes ...
"Injury" Accident8/23/2008Doctor Settlement
  Q: I was involved in a minor car accident about a month ago where the other party ran a red light and ...
  A: No, you do not need an attorney, BUT you need to report these facts to your insurance company ASAP. ...
auto accident8/23/2008Richard Hixenbaugh
  Q: I was recently in an auto accident. The other driver was ticketed for failure to yield. I was not ...
  A: Insurance companies will often try to reduce the amount they will have to pay by placing a ...
Recovery of deductible8/23/2008Anne
  Q: My 18 year old daughter let a 18 year old friend use her car, the friend promptly drove it into a ...
  A: That is about your only venue. Your insurance company covers her as “an insured,” so they already ...
Fail to fully pay the repair facility8/23/2008webfoot
  Q: I was rear ended last month. Progressive has taken full responsibility and I chose my own repair ...
  A: If you chose your own shop and they are charging beyond the prevailing market rate for the repair, ...
Computer laptop issue with insurance8/23/2008Richard Hixenbaugh
  Q: We have never had a claim before but in April had a hot water heater explode. We had alot of damage ...
  A: This is standard for insurance companies. They assume that every claim has fraud in it and that you ...
auto accident8/23/2008Claims Guy
  Q: Say a person is involved in a auto accident. Calling this person bob. The other person is at fault ...
  A: Ok, you guys need to slow down a little bit. Don't be in such a rush to settle this claim. The ...
Personal Injury Claim8/23/2008Anne
  Q: Say a person is involved in a auto accident. Calling this person bob. The other person is at fault ...
  A: I am sorry to hear that Bob (your dad) was in such an accident. You are asking me about pain and ...
Liability of insurance company on a newly purchased car involved in an accident8/23/2008Bennie719
  Q: Yesterday I purchased a used car from an auto dealership and called my insurance company to have the ...
  A: I'm sorry to learn of your predicament. Your husband may be 100% correct in his feelings that the ...
AUTO/PEDESTRIAN ACCIDENTS IN UTAH8/22/2008Anne
  Q: Utah is a no-fault state, so if a pedestrian is hit by a car, whose insurance is billed, the ...
  A: You don't have to meet these criteria if you are injured by an uninsured motorist or by someone with ...
car accident8/22/2008Richard Hixenbaugh
  Q: A man crashed into the rear of my car in a MacDonalds drive through and he is saying that I reverse ...
  A: Unfortunately, when ther are conflicting stories and both parties are insured with the same company, ...

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Questions by
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Bennie719webfootAnne
Claims GuyDoctor SettlementRichard Hixenbaugh
   

     
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