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About Richard Hixenbaugh
(Top Expert on this page)

Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present clients
My company has done work for consumers nationwide.

   

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

SubjectDate AskedExpert

Personal Injury Jury Trial11/10/2009Richard 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 ...
no fault auto accident11/10/2009Ron 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 ...
Insurance claim11/10/2009Richard 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 ...
rear ender11/9/2009Richard 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 ...
Total Loss Not at Fault, who pays and when?11/9/2009Ron 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 ...
Total Loss Settlement11/9/2009Rob 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 ...
DUI and insurance claim on damaged vehicle11/9/2009Claims 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. ...
loss of use11/9/2009Richard 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 ...
What are the common evidentiary traps?11/9/2009Doctor 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 ...
Loss of Use & Fleet Utilization Log11/9/2009Charlie 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 ...
Car going to Body Shop11/9/2009Charlie 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 ...
auto policy claim11/8/2009Rob 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 ...
Loss of Use & Fleet Utilization Log11/8/2009Richard 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 ...
Total Loss11/8/2009Charlie 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 ...
Can they do this11/8/2009Claims 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 ...
Lapse11/8/2009Claims 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 ...
Lapse11/8/2009Richard 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 ...
hit and run11/8/2009Richard 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 ...
claim time frame11/8/2009Ron 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 ...
Diminished value claim11/7/2009Charlie 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 ...
Trailer damaged in accident11/7/2009Ron 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 ...
car damages11/7/2009Charlie 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 ...
auto policy claim11/7/2009Richard 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 ...
Can my husband's wages be garnished if our insurance company denies claim?11/7/2009Richard 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 ...
What is the expected outcome11/7/2009Charlie 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 ...
Auto Accident11/7/2009Richard 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 ...
Can they do this11/7/2009Claims 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 ...
Claim filed; don't have the deductible yet11/7/2009Rob 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 ...
loss of use11/6/2009Ron 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 ...
park lot bumper damage by truck11/6/2009Charlie 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 ...
Bad name11/6/2009Rob 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 ...
rear ended11/6/2009Charlie 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 ...
Hail Damage?11/6/2009Richard 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 ...
Bike accident11/6/2009Richard 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 ...
Hit my own car11/5/2009Rob 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 ...
Accused11/5/2009Richard 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 ...
wife damage her own car11/5/2009Richard 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 ...
Auto damage11/5/2009Ron 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 ...
rear end collision11/5/2009Richard 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, ...
loss of use11/4/2009Richard 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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