| Subject | Date Asked | Expert |
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| Accident Report to DMV | 7/3/2009 | Richard 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 ...
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| auto insurance 7/2/09 | 7/3/2009 | Bennie719 |
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 ...
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| Accident Report to DMV | 7/3/2009 | Richard 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 ...
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| Full Body Sectioning | 7/2/2009 | Bennie719 |
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 ...
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| auto claim | 7/2/2009 | Charlie 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 ...
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| Liability coverage | 7/2/2009 | Richard 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 ...
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| Diminshed Value | 7/1/2009 | Ron 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 ...
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| demand letter | 7/1/2009 | Richard 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. ...
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| Only structure damage is eligible for the DV claim? | 7/1/2009 | Charlie 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 ...
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| a driver hit our house | 7/1/2009 | Bennie719 |
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 ...
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| Claim | 7/1/2009 | Rob 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 ...
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| HIT & RUN, I GOT PLATE NUMBER, WHAT SHOULD I DO?? | 6/30/2009 | Ron 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 ...
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| Surcharge Appeal, accident involving animal | 6/30/2009 | Bennie719 |
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 ...
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| Liability, work product doctrine | 6/30/2009 | Claims 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 ...
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| auto accident | 6/30/2009 | Richard 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 ...
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| do I need a lawyer? | 6/30/2009 | Claims 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 ...
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| auto claim | 6/30/2009 | Anne |
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 ...
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| Diminished Value | 6/29/2009 | Bennie719 |
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. ...
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| auto accident and seizure | 6/28/2009 | Anne |
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 ...
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| totaled | 6/28/2009 | Ron 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 ...
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| who is at fault | 6/28/2009 | Richard 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. ...
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| 3 year old accident bill. | 6/27/2009 | Richard 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 ...
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| Auto Accident while on the clock | 6/27/2009 | Anne |
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 ...
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| How to request to access the fault? | 6/27/2009 | Claims 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 ...
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| BI Claim Valuation and Automobile Residual Value | 6/27/2009 | Claims 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. ...
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| teen driver | 6/26/2009 | Bennie719 |
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 ...
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| BI Claim Valuation and Automobile Residual Value | 6/26/2009 | Claims 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 ...
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| Policy Limits and injuries | 6/26/2009 | Richard 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 ...
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| Fire claim denied | 6/25/2009 | Rob 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 ...
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| auto insurance for teens | 6/25/2009 | Anne |
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, ...
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| auto claim | 6/25/2009 | Bennie719 |
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 ...
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| Q | 6/25/2009 | Rob 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 ...
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| Horse hit by a pick up truck | 6/25/2009 | Bennie719 |
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 ...
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| insurance coverage | 6/24/2009 | Bennie719 |
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 ...
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| salvage title | 6/24/2009 | Charlie 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 ...
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| Q | 6/24/2009 | Charlie 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 ...
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| Q | 6/24/2009 | Richard 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 ...
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| Q | 6/24/2009 | Rob 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 ...
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| Q | 6/24/2009 | Bennie719 |
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 ...
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| Total loss on pop up camper | 6/24/2009 | Charlie 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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