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Auto Insurance Claims/Questions
| Subject | Date Asked | Expert |
| car CAT C | 2/7/2012 | Jane Pytel |
| Q: I recently started buying and selling cars. I recently bought a Nissan March last month. The car has ... A: I'd really like to help you, but what you're asking me is not an insurance question. All I can say ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Jane Pytel |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: This is not an accident. An accident requires an actual physical contact producing damage. There ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Justin Petty |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: No matter how you spin it, it is not normal to get out of your vehicle if no collision occurred. If ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Justin Petty |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: What are you worried about if there was no collision? What would the people sue for? I've been ... | ||
| car accident injury | 2/3/2012 | Jane Pytel |
| Q: location: MA i was involved in auto accident around 1 1/2 year ago. i was determined to be the ... A: In Massachusetts you have no fault coverage which means your medical bills - up to the limits of ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Jane Pytel |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: I can't figure out if there was an accident - an impact - or not. You say the cars never touched, ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Justin Petty |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: Debbie, Depending on the State where this occurred, it may be illegal for your friend to refuse ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Ron Cercone |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: You can either turn it in to your insurance and let them argue in your behalf, or let them sue you ... | ||
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 | Richard Hixenbaugh |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: You described the situation, but you never really asked a question. If the other drivers took down ... | ||
| What if insurance companies' estimates disagree? | 2/2/2012 | Claims Guy |
| Q: I was in an auto accident with the other driver at fault. I contacted my insurance company while ... A: No need to worry. You can settle with either company. If you settle with your company, they will ... | ||
| Total loss-Auto | 2/1/2012 | Barrett Smith |
| Q: I was recently involved in an accident (state of Texas- btw) where I was rear-ended by a tractor ... A: Steve, Sorry to hear of your loss but I hope you are OK physically. Because the information you ... | ||
| Forced placed ins. policies. | 2/1/2012 | Richard Hixenbaugh |
| Q: I'm trying to find out what kinda of laws there are for forced placed ins. I have a four year car ... A: Unfortunately, this is legal and correct. When you finance a vehicle, you are required to carry full ... | ||
| Insurance Policy rental coverage..GPS?? | 1/30/2012 | Claims Guy |
| Q: My vehicle has a built in GPS system which I use for work, I was recently involved in a car ... A: There is a difference between the way each insurer would handle this. Your insurer would provide ... | ||
| Double accident | 1/29/2012 | Claims Guy |
| Q: So I was driving on a highway and another car had already gotten into a prior accident and was ... A: You (and your insurer) are liable for the damages you caused only. So they would normally write a ... | ||
| Auto Insurance Claim | 1/28/2012 | Jane Pytel |
| Q: I was involved in a motor vehicle accident involving three cars, the person found at fault fled the ... A: Your HMO is correct. Coverages can become primary over each other. This means that both could ... | ||
| Auto Insurance Claim | 1/28/2012 | Barrett Smith |
| Q: I was involved in a motor vehicle accident involving three cars, the person found at fault fled the ... A: Carmen, Thank you for the question. Hopefully you don’t, but if you do have resultant injuries, I ... | ||
| Auto or Motorcycle? | 1/27/2012 | Justin Petty |
| Q: My son was hauling two strapped motorcycles inside an enclosed trailer with his pick up. During ... A: Short answer, he would have to have file it under the motorcycle policy. Long answer: One ... | ||
| Farmers Insurance | 1/27/2012 | Richard Hixenbaugh |
| Q: My boyfriends car was keyed months ago. We sent the vehicle in to be fixed and paid extra out of ... A: Your boyfriend must answer all of their questions or they will deny the claim for noncooperation. ... | ||
| accident and fake witness | 1/26/2012 | Claims Guy |
| Q: I was involved in a car accident. I was headed West through an intersection. My light was green ... A: As your insurance company, I would expect them to cooperate with you request for information ... | ||
| Auto Accident | 1/25/2012 | Richard Hixenbaugh |
| Q: I was a passenger in a auto accident in Florida. The driver was clearly at fault. Being from ... A: Yes, you can contact the claims adjuster of the at fault driver. Before you call you should write ... | ||
| Auto Insurance Claim | 1/25/2012 | Jane Pytel |
| Q: I was recently rear-ended and made a claim through the other parties insurance. the adjuster came ... A: No you won't get in trouble. The liability carrier is responsible for your losses. Unlike your own ... | ||
| Auto Insurance | 1/24/2012 | Anne |
| Q: If a vehicle is broken into, and several items are stolen from the vehicle, whom covers this ... A: you need TWO policies for that. One is for the auto. The broken glass and damages to the actual ... | ||
| claim rejected | 1/23/2012 | Justin Petty |
| Q: In December, my travel trailer was burglarized. It was locked at the time at was in a secured ... A: I don't see a question here. What is it you would like to know? If your insurance company is ... | ||
| Liable insurance company rental responsibility | 1/22/2012 | Justin Petty |
| Q: If the other party's insurance company takes full responsibility for the accident are they legally ... A: Short answer, no. Unfortunately, if your vehicle is totaled, then in most States a liability ... | ||
| Liable insurance company rental requirement | 1/22/2012 | Claims Guy |
| Q: If the other party's insurance company takes full responsibility for the accident are they legally ... A: Most companies will give you a few days of rental after they make a total loss settlement offer. We ... | ||
| Rental requirements for liable insurance company | 1/22/2012 | Ron Cercone |
| Q: If the other party's insurance company takes full responsibility for the accident are they legally ... A: Yes, they owe for the rental car "expense incurred" and/or "loss of use" as a claimant. But getting ... | ||
| Auto theft question? | 1/21/2012 | Rob Painter, Ase, CFEI, CAFATE |
| Q: My car was stolen a month ago and has not been recovered as of yet. My and my husband have done ... A: EUO has a lawyer. The worst thing you can do at this point is hire your own attorney because you ... | ||
| Auto Accident | 1/20/2012 | Claims Guy |
| Q: I was a passenger in an auto accident in Florida, and am a Massachusetts resident. The driver was ... A: Florida law will rule here, and unfortunately I ma unfamiliar with it. You may be entitled to ... | ||
| Auto hail damage | 1/18/2012 | Justin Petty |
| Q: I live in Texas and have a 2001 Ford Focus Hatchback with full-coverage insurance with Allstate. We ... A: That's a tricky question. Insurance policies for comprehensive damages on autos (which is what hail ... | ||
| Fair Market Value of totaled vehicle | 1/17/2012 | Claims Guy |
| Q: My car was parked in front of my home, and a flatbed box truck that transports portable potties slid ... A: Unfortunately the law states they owe the ACV, and replacing a vehicle is not relevant. I ... | ||
| settlement offer | 1/16/2012 | Claims Guy |
| Q: I was involved in a head on collision with an elderly person 10/09. I negotiated with his insurance ... A: I'm unfamiliar with the law in your state so I'm at a bit of a disadvantage here. But I'm guessing ... | ||
| Fair Market Value of totaled vehicle | 1/16/2012 | Claims Guy |
| Q: My car was parked in front of my home, and a flatbed box truck that transports portable potties slid ... A: They owe you the actual cash value prior to the accident. This is the amount you could have sold ... | ||
| unrecovered car theft - RBC insurance (delay/denial) | 1/15/2012 | Rob Painter, Ase, CFEI, CAFATE |
| Q: Hope you can help; my car was stolen from my driveway on a Saturday night. Late November In New ... A: Welcome to my world! I am not just a forensic expert witness on reported stolen cars to determine ... | ||
| Auto Policy | 1/15/2012 | Anne |
| Q: I do not know if your expertise would know about this but if you can help I would appreciate it. I ... A: It should affect too much, but it will some. If the insurance company finds out, then they will ... | ||
| Pain & Suffering Ejected in Vehicle Crash | 1/14/2012 | Claims Guy |
| Q: My daughter was a passenger in an automobile accident almost 2 years ago. The accident happened due ... A: I think the offer is quite fair based on the documentation of this claim so far. It is actually ... | ||
| Sun roof | 1/14/2012 | Richard Hixenbaugh |
| Q: Would the glass in a sun roof be covered under full glass? A: You would need to read the full wording of the policy. Just because it says full glass does not mean ... | ||
| Boating Personal Injury | 1/14/2012 | Jane Pytel |
| Q: Last year I was on a friends boat having a good time with family and friends. Everyone was having a ... A: .. Wow ... From the agent to the boat owner... Amazing. Do not consider any other alternative. ... | ||
| auto insurance claim | 1/13/2012 | Jane Pytel |
| Q: THE DEALER SOLD ME A CAR WITH AN OPEN INSURANCE CLAIM AND NEVER TOLD ME ABOUT IT .WHEN I GO TO ... A: .. You are going to need to be more specific. What do you mean by "an open insurance claim"? Is ... | ||
| Hail Damage - Trade In | 1/12/2012 | Jane Pytel |
| Q: I have a policy for auto insurance through Liberty Mutual. I found out earlier this year that in ... A: It is not too late for you to file a claim. No, this loss will not - or should not - cause your ... | ||
| medical coverage and bodily injury claims | 1/11/2012 | Ron Cercone |
| Q: my wife just recently totalled her car with me as the passenger. She has $1000 in medical coverage ... A: If you could sue the driver for negligence, then you could get the pain and suffering. Now if you ... | ||
Auto Insurance Claims
Answers by Expert:
Claims Guy
Top Expert on this page
Expertise
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.
Experience
I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.
Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators
Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.
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