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Auto Insurance Claims/Questions

SubjectDate AskedExpert
Motorcycle damage3/17/2017Richard Hixenbaugh
  Q: The frame was broken during transport to the dealer for a oil change and my bike requires a new ...
  A: This should not be a claim against your policy at all. Your claim is against the tow truck company ...
Car stolen forensic locksmith claims my key used last3/16/2017Rob Painter, Ase, CFEI, CAFATE
  Q: I don't know if I am writing the right person, but I really need help. My 2012 Suburban was ...
  A: Unfortunately, your situation goes on every day throughout the country. Many do not experience the ...
Third Party Auto Claims Settlement: ACV or RC?3/13/2017Justin Petty
  Q: My name is Richard Dunnam and I do P&C insurance education in Puerto Rico. As you might be aware, PR ...
  A: I'll answer your questions with the understanding that I am not giving legal advice. On one hand, ...
Car3/12/2017Richard Hixenbaugh
  Q: Was rear ended. Hit on the right side. I was waling a left turn into a store parking lot. I had ...
  A: Unfortunately, there is no easy answer here. The only way to determine liability is to take a ...
Total Loss Settlement3/9/2017Richard Hixenbaugh
  Q: My wife was recently in a crash where another driver ran a red light and hit her SUV. The SUV was ...
  A: You are under no obligation to provide the bill of sale. It does not matter what you paid for the ...
Applying depreciation on a third party property damage auto claim3/7/2017Jane Pytel
  Q: My name is Richard Dunnam and I do P&C insurance education in Puerto Rico. As you might be aware, PR ...
  A: A question directed towards court proceedings and tendencies is a question for an attorney. ...
Claim value, Bulging Disc, TMJ, SettlementCentral.Com3/2/2017Doctor Settlement
  Q: I am the father of my 40 yr old daughter who had an auto accident in Sep. 2016 when she was rear ...
  A: I am so sorry to hear of such significant injuries to your beloved daughter. It is at least one ...
Claim value3/2/2017Justin Petty
  Q: My 40 year old daughter was involved in a rear end collision in Sep. 2016. She suffered neck and ...
  A: Boy oh boy, if I could just give you a value. I really wish I had a magic answer or formula for ...
Car Insurance Effectivity2/25/2017Richard Hixenbaugh
  Q: Hixenbaugh - My 21-year old daughter recently purchased car insurance in her own name. Prior to ...
  A: There is no a simple answer here. If your daughter was added to your wife's policy after it was ...
Responsible for claim?2/21/2017Justin Petty
  Q: My daughter lives in Pennsylvania. Her boyfriend (Now ex and in jail) has a car in his name that he ...
  A: Simple answer is YES. The insurance follows the vehicle, not the owner, so it does not matter who ...
Some cars not insurable?2/14/2017Jane Pytel
  Q: This morning, a friend of mine told me he had banged up the front end of his Chrysler Pacifica (9 ...
  A: Your friend's comments are perplexing. Why would he have to pay $7500 to get rid of a car? As to ...
rental reimbursement2/13/2017Barrett Smith
  Q: Good day, I was involved in an accident where the other party was deemed negligent and responsible. ...
  A: First of all I am not an attorney nor any longer a licensed claims adjuster so what I state is not ...
auto insurance claim1/27/2017Barrett Smith
  Q: Someone backed into the drivers side of my car, while I was waiting to pick someone up in a parking ...
  A: I am not an attorney and as such I can't offer you legal advice but I can lend you my thoughts as a ...
Length of time to settle, subrogation, attorney fees, Dr. Settlement, J.D.11/8/2016Doctor Settlement
  Q: I was involved in an auto crash 8 months ago. The other driver was entirely at fault. After 4 months ...
  A: Many thanks for allowing me to give you my opinion. My only regret is I had left my wife’s home in ...
're:theft investigation10/29/2016Rob Painter, Ase, CFEI, CAFATE
  Q: My 2008 Escalade was stolen and it still has not been recovered. The insurance company is ...
  A: This is one of our specialties and we are extremely successful in these matters. First, you need to ...
My car insurance has gone up --10/11/2016Justin Petty
  Q: On May 1, 2011, I started a lease on on new Accord LX; the 6 mo. insurance coverage (Allstate) was ...
  A: Insurance rates can be affected by so many factors it is ridiculous. I am going to meet a friend of ...
RV Totalled10/1/2016Justin Petty
  Q: I reside in Colorado. My 3-month-old, 2016 Forest River Viking 17FQ travel trailer was severely ...
  A: John, sorry for the delayed response, I was out of internet range. Anyhow, I must say that there is ...
Car previously totaled by insurance9/23/2016Justin Petty
  Q: My car was rear-ended years ago in MN and deemed totaled by the insurance companies, and I was paid ...
  A: The rules regarding salvage titles are what will govern this case. When it is someone else's fault ...
RV water damage7/22/2016Justin Petty
  Q: I have a 10 year old StarCraft expandable camper. Last year, we noticed our floor was "squishy" in ...
  A: Debbie, Sorry for the delay, I was out of the office for a bit at court. Anyway, so accidental ...
Auto Damages Tree on Property7/22/2016Justin Petty
  Q: I have a situation where I'm the homeowner, and a third party crashed their automobile into a tree ...
  A: Glen, this is a common type of argument. Insurance companies feel like they are the authority on ...
Deductible d46/28/2016Anne
  Q: I was involved in an accident last month. The other driver was at fault and ticketed. Both of us ...
  A: You must check the policy. It is often the case that it is waived in that situation, but the correct ...
Does paying a replacement car to a totaled car by the different car insurance automatically cover the previous damages caused by a different car accident ?6/21/2016Justin Petty
  Q: My car was damaged in the car accident. The at fault car insurance wanted me to have it repaired and ...
  A: Here is how it works. . . 1st accident. . . . They owe for the damage they caused regardless of ...
DV claim for out of state accident6/18/2016Charlie Barone
  Q: My 2015 Avalon Ltd with 8700 miles was rear ended in Penn Valley, Pa on 5/21/16. It was ...
  A: Bill, You can do either one, but I prefer to perform a physical inspection of the vehicle so I can ...
Suspended registration due to insurance company negligence6/2/2016Justin Petty
  Q: While I know that my question is not related to claims, i am hoping that you can help me out. I ...
  A: With the disclaimer that this is not legal advice. . . here's the answer: No, your search for ...
Registration suspended due to insurance company negligence6/2/2016Charlie Barone
  Q: I purchased a car about three months ago. The next day I obtained insurance (full coverage). I ...
  A: Jared, While I am more of an expert in claims for autos and yours is a question regarding coverage ...
Removing an Insured driver?5/29/2016Jane Pytel
  Q: I am currently insured with Geico for my auto policy. I have been with them for almost a year now, ...
  A: This is a question for someone with insurance agency expertise, and, specifically, someone with a ...
Auto Accident4/13/2016Justin Petty
  Q: I had a rear end collision couple of months back and suffered considerable soft tissue injury as ...
  A: Hmm. . . Kris, I answered this question already, but I got notice from AllExperts that it was still ...
Auto Accident settlement4/13/2016Claims Guy
  Q: I had a rear end collision couple of months back and suffered considerable soft tissue injury as ...
  A: The negotiation is a process. There is usually some back and forth. The insurer's first offer will ...
Underinsured motorist4/11/2016Richard Hixenbaugh
  Q: We were recently in a head on crash with the other vehicle completely liable. The entire wreck ...
  A: I'm sorry this has happened to you. Here is how the medical payments will go. 1) Your MEDPAY ...
50/50 accident liability4/7/2016Doctor Settlement
  Q: I have recently been in an accident in which a driver coming across the intersection in a 90 degree ...
  A: Aloha, Natasa, I forgot to put myself out on vacation on this website, so I am writing from Maui, ...
Auto claim settlement4/6/2016Justin Petty
  Q: My husband and I were recently in a motor vehicle crash where the other driver ran a red light and ...
  A: Answer to 1: Yes, the insurance company will make an offer to settle the ENTIRE claim once you guys ...
At Fault Accident with no Payout and no other Drivers4/4/2016Richard Hixenbaugh
  Q: Location: Massachusetts Insurance Company: Liberty Mutual February, 2015 After a big snow storm I ...
  A: Even though you did not have collision coverage and no money was paid out, when you reported the ...
Not Authorized/ Unknown Claim on Myself?4/4/2016Justin Petty
  Q: Location: Massachusetts Insurance Company: Liberty Mutual February, 2015 After a big snow storm I ...
  A: Each insurance company has their own way of calculating how much it will cost to get insurance with ...
How to become a Certified Appraiser in Florida3/31/2016Richard Hixenbaugh
  Q: I am looking to make a move to Florida in the next year. At this time I hold a Pennsylvania Motor ...
  A: You are correct, there is no license in Florida for an auto damage appraiser. There are however, ...
Claim closure3/29/2016Claims Guy
  Q: Once all medical care is completed after a motor vehicle crash,how is a claim actually closed? We ...
  A: You should call your claim representative and ask him/her to explain the process. Generally they ...
medical claims release3/28/2016Claims Guy
  Q: Good Morning, We were in a head on crash 3 weeks ago where the other driver was at fault. We are in ...
  A: (1) depends on the terms of the medical records authorization. You should read it to say what is ...
Time Frame?3/17/2016Claims Guy
  Q: I was involved in a motor vehicle crash where a driver ran a red light at 60 miles an hour and ...
  A: This is a tough situation and I empathize with your plight. Unfortunately the other insurer is ...
insurance coverage for pedestrian fatality3/14/2016Richard Hixenbaugh
  Q: Good Afternoon, My children's father was hit by a car on Christmas eve. He was then run over by a ...
  A: First, let me say that I am sorry for your and your children's loss. That is a terrible thing to ...
Will these Accidents go towards me?3/12/2016Richard Hixenbaugh
  Q: I put my girlfriend on my car insurance and added her to my car, so that she can drive it if needed. ...
  A: If your gilr friend lives with you then in most cases she must be listed on your policy as a driver ...
Finance Corp Taking DV Proceeds2/21/2016Barrett Smith
  Q: I was involved in an accident June 2015 in GA. Received a check for diminished value recently, to ...
  A: Glenda, Thank you for your question. I have yet to run into this and it indeed brings up an ...

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Auto Insurance Claims

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Justin Petty

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Expertise

Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.

Experience

Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

Organizations
NASP (National Association of Subrogation Professionals) AllExperts.com (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

Publications
10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

Education/Credentials
School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author (EzineArticles.com) All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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