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About Bennie719
(Top Expert on this page)

Expertise
I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience
Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
   

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

SubjectDate AskedExpert

Accident Report to DMV7/3/2009Richard Hixenbaugh
  Q: I was involved in an accident, when my car hit a light pole on a town street. Except for the pole ...
  A: You would simply tell the truth. Explain what damage occured to the light pole. The purpose of the ...
auto insurance 7/2/097/3/2009Bennie719
  Q: i have 2004 honda accord 60,00 mile in it and i still owe the bank about $14,000. I had an car ...
  A: I need a little more clarity before I can answer your question. Throuought the question you make ...
Accident Report to DMV7/3/2009Richard Hixenbaugh
  Q: I was involved in an accident, when my car hit a light pole on a town street. Except for the pole ...
  A: Each state has different requirements as to when a driver needs to file an accident report. If there ...
Full Body Sectioning7/2/2009Bennie719
  Q: 2005 Prius rear ended. Allstate was the other driver's co. The welded rear half of another Prius to ...
  A: This is the reason why you should always have your own insurance company repair your car following ...
auto claim7/2/2009Charlie Barone
  Q: I wrecked my car it was my fault i hit a light pole in a parking lot now i didnt claim my car at the ...
  A: Jennifer, As long as you had coverage as of the date of loss, your delay in reporting the claim ...
Liability coverage7/2/2009Richard Hixenbaugh
  Q: I live with my mom. I drive her car. i am on the policy as an additional driver. The car title is in ...
  A: In most cases no. If you are 18 or over and the accident is your fault, then the liability would ...
Diminshed Value7/1/2009Ron Cercone
  Q: My 2005 BMW 330 Ci Convertible had a tree fall on it and resulted in $9000.00 in damages. It is ...
  A: First of all, the person who told you the DV was 50% is way off, in my opinion. I guarantee you that ...
demand letter7/1/2009Richard Hixenbaugh
  Q: based on every injury in the letter do u think i am asking for enough compansation????TO Courtney ...
  A: It would be hard for me to say because I do not have access to all of the detailed medical records. ...
Only structure damage is eligible for the DV claim?7/1/2009Charlie Barone
  Q: you state, “We specialize in claims for loss of resale value (Diminished Value)." You should be the ...
  A: It all depends on what the composition of your bumper is. That is, if it is a bolted on item that is ...
a driver hit our house7/1/2009Bennie719
  Q: A lady ran into our house 8 days ago here in Texas. We contacted our homeowners insurance and her ...
  A: In order for me to provide a more accurate answer I would like some additional information. You can ...
Claim7/1/2009Rob Painter, Ase, CFEI, CAFATE
  Q: Details- -rear ended on freeway as traffic slowed for heavy traffic -cited driver, USM, no driver ...
  A: No one can give you any accurate idea as to what this case is worth without knowing ALL the ...
HIT & RUN, I GOT PLATE NUMBER, WHAT SHOULD I DO??6/30/2009Ron Cercone
  Q: My car was parked in a local YMCA parking lot. Someone pulled out of their spot and hit my car, did ...
  A: I changed your question to "public" since we advisors get no "PR" for private questions, and you are ...
Surcharge Appeal, accident involving animal6/30/2009Bennie719
  Q: I was recently in an accident that damaged the front and back right tires, suspension (control arm ...
  A: Your insurance company was required to submit the legal wording of their policy to your state ...
Liability, work product doctrine6/30/2009Claims Guy
  Q: Other driver backed his company pickup into me causing $2000 damage to my car. Police report stated ...
  A: They do not have to release their documents. This is protected by legal priviledge. However, that ...
auto accident6/30/2009Richard Hixenbaugh
  Q: i was involved in an auto accident last week a girl ran a yield sign and hit me she has not yet ...
  A: There is no real time limit, but you should do it as soon as possible. Call her insurance comapny ...
do I need a lawyer?6/30/2009Claims Guy
  Q: OK, I dont have insurance. My car was totaled while it was parked (a 4 car accident). Noone is ...
  A: You can hire a lawyer, but the cost might not be worth it. It depends on how much your car was ...
auto claim6/30/2009Anne
  Q: how long is the process for paying an claim, on an non injury accident. such as car parked. someone ...
  A: They are required to make a determination in 30 days. If they cannot, then they have to explain the ...
Diminished Value6/29/2009Bennie719
  Q: I have a new car, less than 3000 miles, and was recently in an accident. The damage was small, had ...
  A: First of all, it sounds like your appraiser greatly exceeded the true amount of diminished value. ...
auto accident and seizure6/28/2009Anne
  Q: Person is driving in the state of NJ, has a seizure and gets in a car accident. I do medical billing ...
  A: Auto policies cover auto accidents, and health insurance covers just about everything but auto ...
totaled6/28/2009Ron Cercone
  Q: Someone crash my car,his insurance says its totaled damage,they want to give me tha value of my car ...
  A: Whether you collect from the insurer or the driver of the other car, the most they owe is the ...
who is at fault6/28/2009Richard Hixenbaugh
  Q: i was in a traffic collision when a vehicle failed to stop at a stop sign the police report states ...
  A: Unfortunately this is legal. The insurance company is just trying to find a way to steal your money. ...
3 year old accident bill.6/27/2009Richard Hixenbaugh
  Q: I was i an accident 2 years ago. I was hit but since PA is a fault state, the accident was ...
  A: This is an unfortunate situation. However, it will be up to you to unwind whatever has happened. You ...
Auto Accident while on the clock6/27/2009Anne
  Q: Just yesterday I was involved in a car accident. The other driver was in the far left lane while I ...
  A: I am sorry to hear about your accident, Nice truck, by the way. Well, you have somewhat of a more ...
How to request to access the fault?6/27/2009Claims Guy
  Q: My car was hit by the other vehicle that was backing up. The police report was the officer is unable ...
  A: Yes, you can still request that they determine liability. They probably did but just did not ...
BI Claim Valuation and Automobile Residual Value6/27/2009Claims Guy
  Q: I have two questions for you. 1. My 16 year old daughter was struck by a municipal snow plow a few ...
  A: I'm going to guess your medical bills are about $200. If that is the case, I'd say $1000 is fair. ...
teen driver6/26/2009Bennie719
  Q: I let my son borrow my car one night to drive to practice. He was in an accident, and both parties ...
  A: Legally, any insurance company in California can deny coverage for an accident caused by any ...
BI Claim Valuation and Automobile Residual Value6/26/2009Claims Guy
  Q: I have two questions for you. 1. My 16 year old daughter was struck by a municipal snow plow a few ...
  A: (1) The value will depend in part on the amount of medical bills she incurred. Did she see a ...
Policy Limits and injuries6/26/2009Richard Hixenbaugh
  Q: I was injured in an auto accident, other person was 100% at fault, no insurance. So my uninsured ...
  A: All you can get from from your uninsured motorist coverage is the policy limit. If your case goes to ...
Fire claim denied6/25/2009Rob Painter, Ase, CFEI, CAFATE
  Q: I was just informed by State Farm that my claim was denied. The reason given was that forensics ...
  A: You should feel victimized! 90% of burned vehicles can't be determined as to last operation by the ...
auto insurance for teens6/25/2009Anne
  Q: We have custody of my 16 & 17 year old stepkids in Fl. and have 15 year old twins who only visit ...
  A: Well, you should add everyone to be "safe". That for course can get expensive. If they are license, ...
auto claim6/25/2009Bennie719
  Q: Hey Bennie, I put a Jeep of mine in the body shop last Wed. the 17th. I called the body shop, ...
  A: There are many reasons as to why a car could be considered a total loss even though it is still ...
Q6/25/2009Rob Painter, Ase, CFEI, CAFATE
  Q: I have a car that I want to sell. The title and insurance are under my ownership. A relative of mine ...
  A: I don't want your car. I was just making a point that the results would be the same if you let your ...
Horse hit by a pick up truck6/25/2009Bennie719
  Q: When my horse was hit it was 2 am and it had gotten loose. The driver of the truck contacted me the ...
  A: I'm sorry to learn of your problem. I'm surprised to hear that a collection agency is involved only ...
insurance coverage6/24/2009Bennie719
  Q: Can I submit a claim for running something over in the roadway and as a result the object ruptured ...
  A: When you run over an item laying in the roadway, it is considered a collision by your insurance ...
salvage title6/24/2009Charlie Barone
  Q: I was hit by a drunk driver and my ford explorer was called a total loss by the other driver's ...
  A: In most states the salvage certificate is not issued until the owner submits his title to the state ...
Q6/24/2009Charlie Barone
  Q: I have a car that I want to sell. The title and insurance are under my ownership. A relative of mine ...
  A: You should keep the title in your name and not transfer it. Anyone can buy coverage on any property ...
Q6/24/2009Richard Hixenbaugh
  Q: I have a car that I want to sell. The title and insurance are under my ownership. A relative of mine ...
  A: If the vehicle stays in your name then you also must be on the insurance. There is no way to legally ...
Q6/24/2009Rob Painter, Ase, CFEI, CAFATE
  Q: I have a car that I want to sell. The title and insurance are under my ownership. A relative of mine ...
  A: You can do anything you want, but think about this--You are assisting in a fraud on the part of ...
Q6/24/2009Bennie719
  Q: I have a car that I want to sell. The title and insurance are under my ownership. A relative of mine ...
  A: The best possible way to handle this situation is to take your relative to the motor vehicle ...
Total loss on pop up camper6/24/2009Charlie Barone
  Q: Did I have to accept the total loss check? Or could/can I request them to fix my camper based on the ...
  A: You have what is known as a third party claim under the at-fault person's liabiity coverage. You may ...

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Questions by
Active Experts:
Rob Painter, Ase, CFEI, CAFATERon Cerconewebfoot
Charlie BaroneDoctor SettlementRichard L Carranza
Bennie719AnneClaims Guy
Richard Hixenbaugh  

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