| Subject | Date Asked | Expert |
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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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| rear ender | 11/9/2009 | Richard Hixenbaugh |
Q: Recently my daughter was car #6 in a nine car front to rear collision on the interstate. The police ...
A: Since the car that hit your daughter has denied liability, if you have insurance on this vehicle you ...
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| Total Loss Not at Fault, who pays and when? | 11/9/2009 | Ron Cercone |
Q: Ron, I was a passenger in my car when an 18 yr old made an illegal U-turn, failed to stop at Stop ...
A: "Work the claim" with both your insurer and the other drivers insurer and see who gives you the most ...
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| Total Loss Settlement | 11/9/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: Mr. Painter - My car was hit in front of my house a few nights ago and the damage to the car is more ...
A: Branded cars are worth 30-40% less. You may have a duplicate title, but obviously the insurance ...
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| DUI and insurance claim on damaged vehicle | 11/9/2009 | Claims Guy |
Q: Do the major insurers pay to fix a damaged vehicle for a single car accident where the driver was ...
A: Yes, they will pay. The DUI does not impact the claim. It will have a huge impact on premiums. ...
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| loss of use | 11/9/2009 | Richard Hixenbaugh |
Q: My car was involved in a accident on Sept. 15. When trying to report it my insurance company, I ...
A: Your insurance company will nto pay anything because you did not have insurance. The at-fault ...
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| What are the common evidentiary traps? | 11/9/2009 | Doctor Settlement |
Q: What are the common evidentiary traps that the insurance lawyer will use and how to avoid them in ...
A: Since you gave me no idea about your circumstances, I have to give you a shotgun answer: hitting on ...
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| Loss of Use & Fleet Utilization Log | 11/9/2009 | Charlie Barone |
Q: I had asked a question earlier, and Mr Hixenbaugh answered to that, my follow up question is ...do I ...
A: Loss of use is typically a claim made by the owner of a fleet vehicle that was damaged, which ...
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| Car going to Body Shop | 11/9/2009 | Charlie Barone |
Q: do i need to have a mechanic look at it as well.
A: Mike, Any body shop worth its salt will know how to handle this situation. Insurance claims are ...
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| auto policy claim | 11/8/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: i moved from NY to Ga last year and did not inform geico to reflect the change. i was involved in ...
A: Depending on your policy language, yes they can. I currently have a similar situation, however I am ...
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| Loss of Use & Fleet Utilization Log | 11/8/2009 | Richard Hixenbaugh |
Q: I was involved in an accident twice the same weekend, once with third party and second with nobody, ...
A: Loss of use by a rental company is usually denied by most insurance companies unless the log is ...
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| Total Loss | 11/8/2009 | Charlie Barone |
Q: A tree from my yard fell over onto our family car and the insurance company came to us with a value ...
A: The insurance policy you have says that they will pay the actual cash value(ACV) of your car, which ...
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| Can they do this | 11/8/2009 | Claims Guy |
Q: I was in a car accident on 9/21/09 in Atl,Ga and my insurance company sent me a letter saying my car ...
A: It sounds like they made a mistake about it being totaled. This does happen. When there is a lot ...
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| Lapse | 11/8/2009 | Claims Guy |
Q: I was in a wreck where an uninsured motorist hit and totaled my truck. I was not at fault but had ...
A: I'm a little confused by the question. You seem to be saying they tripled your premium because it ...
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| Lapse | 11/8/2009 | Richard Hixenbaugh |
Q: I was in a wreck where an uninsured motorist hit and totaled my truck. I was not at fault but had ...
A: The claims department at an insurance comapny does not communicate with the policy services side of ...
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| hit and run | 11/8/2009 | Richard Hixenbaugh |
Q: today we were hit by a car that was stolen . car was recovered and we have the owners info. suspects ...
A: If you have collision coverage your insurance company will pay the damage minus your deductible. If ...
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| claim time frame | 11/8/2009 | Ron Cercone |
Q: My car was stolen, I filled out all of their required paperwork, filed the police report and it has ...
A: While the "Fair Claims Practices Regulations" (available at the DOI website)have time limits to ...
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| Diminished value claim | 11/7/2009 | Charlie Barone |
Q: I have a 09 bmw 528i which got rear ended a couple of months ago. It is still in the shop and I am ...
A: Mark, Check your policy to see if they excluded diminished value (DV) from your first party ...
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| Trailer damaged in accident | 11/7/2009 | Ron Cercone |
Q: I was involved in an accident that totaled my car and bent the frame of the trailer I was towing. ...
A: Didn't have time to read all your "long winded story" (forums are not good for too much detail), but ...
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| car damages | 11/7/2009 | Charlie Barone |
Q: My mini-van was hit from behind. The police report indicated that the other driver's probable ...
A: The liability carrier of the at-fault party has no legal duty to you, however their policyholder ...
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| auto policy claim | 11/7/2009 | Richard Hixenbaugh |
Q: i have a auto policy with geico in new york, i moved to georgia last year, i did not inform geico of ...
A: Most insurance policies require that you notify the insurance company within 30 days of a change of ...
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| Can my husband's wages be garnished if our insurance company denies claim? | 11/7/2009 | Richard Hixenbaugh |
Q: My husband was in an auto accident where a motorcycle passed him on the shoulder of a two-lane road ...
A: You have nothing to worry about. Your insurance company has denied the claim because they believe ...
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| What is the expected outcome | 11/7/2009 | Charlie Barone |
Q: Yesterday evening while stopped in highway traffic I was rear ended by a 18 wheeler who in return ...
A: Typically the insurance company or the driver of the car you hit will go after the truck owner for ...
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| Auto Accident | 11/7/2009 | Richard Hixenbaugh |
Q: I am in Maine and was involved in a fender bender 3 weeks ago with an out of state driver who was ...
A: Avis would only be responsible if the renter actually purchased their optional insurance. Otherwise ...
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| Can they do this | 11/7/2009 | Claims Guy |
Q: I was in a car accident on 9/21/09 in Atl,Ga and my insurance company sent me a letter saying my car ...
A: Air bag deployment is not relevant. A vehicle is a total loss if the repair costs exceeds the ...
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| Claim filed; don't have the deductible yet | 11/7/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: I filed a claim with my insurance company today for an accident I was in (and at fault). I don't ...
A: This is a general question requiring a specific answer. You need to ask your agent and how it ...
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| loss of use | 11/6/2009 | Ron Cercone |
Q: I was without a vehicle for 45 days, and now the insurance company is offering me $10 a day for loss ...
A: If this is a claim against the other drivers insurer, they owe you what it would cost to rent a car ...
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| park lot bumper damage by truck | 11/6/2009 | Charlie Barone |
Q: ..here it goes,simply, i work 4 bell and parked my car appropriately and left the site, a bell cable ...
A: James, Why not submit a claim through the bell cable liability carrier? Since you have the police ...
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| Bad name | 11/6/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: Please see response below from Richard Hixenbaugh, particularly his comment that "...Insurance ...
A: I really have no clue as to why this was sent to me. It isn't even a question. It appears Richard ...
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| rear ended | 11/6/2009 | Charlie Barone |
Q: i was at a intersection waiting for traffic to pass so i could make a left turn and was rear eneded ...
A: While you are waiting for the girl to step up and do the right thing, perhaps you can file a claim ...
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| Hail Damage? | 11/6/2009 | Richard Hixenbaugh |
Q: I received hail damage to my vehicle. The first estimate that was given to me by the insurance ...
A: Paintless dent repair (PDR) is a viable method of repair. It is less intrusive than traditional body ...
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| Bike accident | 11/6/2009 | Richard Hixenbaugh |
Q: I was on my bicycle riding in town when I was hit by a car turning left. The driver did not see me ...
A: Yes. You are entitled to compensation for both of these issues. You should contact the state farm ...
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| Hit my own car | 11/5/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: I was backing out of my driveway at night and backed into our truck, that was parked in front of my ...
A: You can do what you want, however lying could go backwards on you and then you may get stuck with no ...
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| Accused | 11/5/2009 | Richard Hixenbaugh |
Q: I hope you can help with this. I'm sort of in a different position. I recently received a call to ...
A: You should tell this person that as far as you know that this incident never occured and that you ...
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| wife damage her own car | 11/5/2009 | Richard Hixenbaugh |
Q: I want to thank you in advance for spending time answering my question. I will try to make it short ...
A: Yes you can file a claim and you would only be responsible for your deductible. This would be ...
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| Auto damage | 11/5/2009 | Ron Cercone |
Q: My car's rear end was hit my another lady's rear end in the parking lot. I believe that the other ...
A: My gut says take the 60%. Unless you know that the other driver is admitting 100% fault, parking lot ...
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| rear end collision | 11/5/2009 | Richard Hixenbaugh |
Q: Just the other day while returning from school I was rear ended at an intersection. The light was ...
A: When Is A Vehicle A Total Loss? Financial Total Loss Most insurance companies will declare a car, ...
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| loss of use | 11/4/2009 | Richard Hixenbaugh |
Q: My car was involved in an accident on Sept. 15. When I went to report it to my insurance company, I ...
A: Generally, a loss of use payment would be $15.00 to $20.00 per day for each day you were without ...
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