| Subject | Date Asked | Expert |
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| rear ended | 11/19/2009 | Richard Hixenbaugh |
Q: I was rear-ended 2 weeks ago in Missouri while sitting at a red light. Minor damage to car, minor ...
A: You should request the insurance adjuster send you a letter or an email that explains in detail the ...
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| insurance claim | 11/19/2009 | Ron Cercone |
Q: I bumped into a car that had stopped directly behind me while I was backing out of a parking spot. ...
A: Well unfortunately your policy says once you turn in the claim, your insurer has the right to settle ...
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| Should I withdraw my auto claim? | 11/18/2009 | Charlie Barone |
Q: My husband parked my car at a parking lot and it was backed into a spot. When he got back to the ...
A: The vehicle's on-board computer may have a record of the air bag deployment, in which case the speed ...
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| liability of lienholder | 11/18/2009 | Ernest Ferraro |
Q: Our company has recently terminiated an employee. The employee is listed on the title as registered ...
A: Sam, If you are in the business of leasing or financing vehicles than you have no liability ...
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| claim Nego II | 11/17/2009 | Ernest Ferraro |
Q: Hey Ernesto this is my last question you have helped me so much!! the last message you sent me you ...
A: Three important factors: (1) What do your medical records show (your recovery will be based on the ...
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| Claim Nego | 11/17/2009 | Ernest Ferraro |
Q: 000 that's the norm here in Georgia.I think I could talk the insurance company into a decent ...
A: I can't really make an accurate comment on the value of your injury without looking at the whole ...
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| Claim Nego | 11/17/2009 | Ernest Ferraro |
Q: 000 that's the norm here in Georgia.I think I could talk the insurance company into a decent ...
A: The police report is THE key written element to the liability portion of your claim. Having the ...
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| Diminished Value / Loss of use | 11/17/2009 | Charlie Barone |
Q: my question is are these two situations the same when you are involved in a auto accident. I got a ...
A: Mike, Depending on the language in your policy, you may be owed for rental car costs or loss of ...
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| Claim Nego | 11/17/2009 | Ernest Ferraro |
Q: 000 that's the norm here in Georgia.I think I could talk the insurance company into a decent ...
A: Mike, I would hire an attorney - plain and simple. I know that sounds like a standard answer ...
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| Questionable Settlement Offer | 11/17/2009 | Richard Hixenbaugh |
Q: My husband was rear ended on Sept 29th. We received a total loss settlement offer from the at fault ...
A: CCC has been sued many times over its valuation practices. The insurance company has no interest in ...
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| Minor accident..but found out no coverage | 11/17/2009 | Richard Hixenbaugh |
Q: While backing out of a parking space my car hit another traveling the wrong way on a one-way street. ...
A: I'm sorry this response was a bit slower. The approach you outlined may have been successful if ...
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| Attorney or Not | 11/17/2009 | Claims Guy |
Q: Greetings, I was in a accident on 9/21/09 and I just completed my Physical therapy and medical ...
A: An attorney will probably get a larger settlement, but will also charge you between 30% and 50% of ...
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| Minor accident..but found out no coverage | 11/17/2009 | Richard Hixenbaugh |
Q: While backing out of a parking space my car hit another traveling the wrong way on a one-way street. ...
A: Don't bother with an attorney, they likely will not want to get involved in this. Yes you should ...
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| Fair or not Fair in regards to Diminished Value | 11/15/2009 | Ernest Ferraro |
Q: 54 and stated that the actual NADA ACV was $12,500 the insurance company then states in the letter ...
A: Paying out as little as they can and taking as much of your money is the whole point behind every ...
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| salvage retention form requirement | 11/14/2009 | Ernest Ferraro |
Q: Ferraro, My vehicle was totaled by the cited driver in an accident. It was towed to a storage ...
A: I'm a licensed attorney in New York but not Florida so I can't give you an opinion with respect to ...
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| release of all claims | 11/14/2009 | Ernest Ferraro |
Q: I was involved in an accident that was clearly the other operator at fault. I reported to my insurer ...
A: I'm not sure I understand the question. Is the insurance company offering to pay pay you less than ...
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| Fair or not Fair in regards to Diminished Value | 11/14/2009 | Ernest Ferraro |
Q: 54 and stated that the actual NADA ACV was $12,500 the insurance company then states in the letter ...
A: Mike, I think it would be helpful to define a few terms: Diminished Value (DV) is the loss in ...
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| Truck Theft | 11/14/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: On a transponder key. I had a vechile stolen with it How does that happen? I though that was purpose ...
A: Here is the story. If your ins company denied you, you are guilty till proven innocent. The ...
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| Total Loss Repair Reimbursment | 11/14/2009 | Charlie Barone |
Q: I was 3rd in a 4 car pile up in MA. My car will likely be totalled. Can I recover any of the money ...
A: The term used to compensate a person for a total loss is actual cash value (ACV), which is defined ...
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| comprehensive coverage damage claim | 11/14/2009 | Charlie Barone |
Q: A friend of mine had his car totaled a couple of weeks ago in a roll over. I was in the accident ...
A: Phil, I would tell your friend to ask the insurance company how they were able to determine the ...
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| Total Loss Entitled to Reimbursment for Repairs Previously Made? | 11/14/2009 | Richard Hixenbaugh |
Q: I was 3rd in a 4 car pile up in MA. My car will likely be totalled. Can I recover any of the money ...
A: You should file this claim with your own insurance company. Since there are multiple cars and ...
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| General insurance query | 11/13/2009 | Richard Hixenbaugh |
Q: I have an always-garaged top-of-the-line 1999 Honda Accord EX with 24,000 miles in showroom ...
A: (I almost feel like Dear Abby) All vehicles depreciate in value with the passage of time and use. ...
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| car totalled | 11/13/2009 | Richard Hixenbaugh |
Q: I live in Connecticut. I received a settlement check of about $7000 from the auto insurer of a ...
A: There is no way to reverse the Salvage title. Once an insurance company totals out a vehicle they ...
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| mva w/personal injury | 11/13/2009 | Ernest Ferraro |
Q: Since breaking cervical spine stabilizing plate in 1/08 MVA, I've languished in pain,anxiety & self ...
A: Lynn, Sorry to hear about that awful sounding situation. There's nothing more frustrating than ...
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| 1st Party vs 3rd Party Claims | 11/13/2009 | Charlie Barone |
Q: I got into a car accident a week ago. The police report provides clear evidence that the other ...
A: Outside of the deductible, which you will have to pay under your coverage, the amount paid for the ...
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| Accident, Insurance & Registration issue... | 11/13/2009 | Richard Hixenbaugh |
Q: My husband & I purchased a vehicle from his boss back in Dec. 2008. The vehicle is financed through ...
A: Although it may take several days for everyone at your insurance company to verify everything, this ...
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| Insurance claim fora minor | 11/12/2009 | Ernest Ferraro |
Q: My 14 yr old daughter was in a car accident as a passenger in a car that was ticketed for the ...
A: Dave, I can't really give you an estimate of what the claim should settle for based only on the ...
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| bicycle accident | 11/12/2009 | Ron Cercone |
Q: First-thank you for your time. I had a bicycle accident in Jan. of this year. A fencing company ...
A: This is why you need an attorney. This is not a simple "soft tissue" injury claim. A good attorney ...
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| Insurance coverage & umbrella policy | 11/12/2009 | Richard Hixenbaugh |
Q: My husband's company is changing their policy -- they've provided him with a car for years, and now ...
A: Yes the commercial policy will cost more. In some cases you can add an endorsement onto your ...
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| denial of auto claim | 11/12/2009 | Richard Hixenbaugh |
Q: A few days ago I was pulling out of a parking lot onto a road. The car in front of me started to ...
A: You should not worry at all. Your insurance company will handle the entire process. If you are ...
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| Checks Checks Checks | 11/12/2009 | Charlie Barone |
Q: but I got a call today that I also have a check coming for Diminished Value of vehicle made out to ...
A: Mike, Be sure not to sign a release of ALL CLAIMS arising from the accident. If you are unsure, ...
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| insurance title | 11/12/2009 | Richard Hixenbaugh |
Q: i am a wholesale dealer and i bought a vehicle at a manheim auction that was announced clean title ...
A: As far as I know there should always be an announcement of a salvage or rebuilt title if the auction ...
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| car accident | 11/11/2009 | Ernest Ferraro |
Q: I was parallel parked on a street with oncoming traffic. I looked through my rear mirror and did not ...
A: Ms. Torres, It's hard to give you a definitive answer to your question because there's some ...
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| Diminished Value check coming | 11/11/2009 | Charlie Barone |
Q: that has front end damage valued at $8,000 the car has 34,000 miles on it and is in repair right now ...
A: Mike, Diminished value losses are based on the value and nature of the car that was damaged, ...
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| insurance judgement | 11/11/2009 | Richard Hixenbaugh |
Q: 4 years ago, son uninsured, was in accident. insurance company now has a judgement against him for ...
A: Every company is different. You will just have to call them to see what they will accept. Initially ...
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| HELP! | 11/11/2009 | Richard Hixenbaugh |
Q: I was out of town to go shopping with my sister on March 21, 2009, while at the mall we were ...
A: The first thing you have to realize is that the insurance company has no interest in treating you ...
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| Dealing with Geico Claims Adjuster | 11/11/2009 | Richard Hixenbaugh |
Q: My wife was hit by a Geico policy holder. We have State Farm. Are we better of dealing with Geico ...
A: Kelly, You can always fall back to your own insurance company. So to start with you should contact ...
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| Personal Injury Jury Trial | 11/10/2009 | Richard Hixenbaugh |
Q: in July of 2006 I was involved in a car accident. I was eight months pregnant with my last child. ...
A: I don't mean to disappoint you, but you should not proceed with this case unless you have anb ...
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| no fault auto accident | 11/10/2009 | Ron Cercone |
Q: My wife and I were stopped at red light and was reared by a pickup going Lapp 50 miles hr. We both ...
A: Between 2 and 4 times the medical bills plus other stuff. A lawyer can make the difference between ...
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| Insurance claim | 11/10/2009 | Richard Hixenbaugh |
Q: If someone were to total a vehicle resulting in injuries to the operator in the state of Rhode ...
A: You are actually asking a legal question not an insurance question. But I will do my best. In many ...
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