| Subject | Date Asked | Expert |
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| Policy Limits | 1/8/2009 | Bennie719 |
Q: My son was involved in a four car accident. One of the cars he hit has an attorney and that ...
A: No, this is not something that you willing turn over to the adverse attorney. The attorney does have ...
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| I bumped a park car. No damage! | 1/7/2009 | Bennie719 |
Q: At the elementary school I backed into a park car on the street. There was no damage to my vehicle ...
A: For your own protection and to avoid a possible citation for hit and run, you should always leave a ...
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| suspended license and car insurance | 1/7/2009 | Bennie719 |
Q: My question is this, if a person's license has been suspended and is driving anyway and they get ...
A: This situation is not properly addressed by the legal wording of the policy. I have a friend in the ...
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| Hit and run in Oregon | 1/7/2009 | Richard Hixenbaugh |
Q: I live in Eugene, Oregon, and a few weeks ago I was hit by another car who sped off. The damage to ...
A: In many cases even if your insurance company does not pay anything, the mear fact that you reported ...
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| Dealing with insurance company | 1/7/2009 | Richard Hixenbaugh |
Q: I think the insurance company of the person who hit my car is trying to get off easy. My car was hit ...
A: The other insurance company can not pay the claim until they receive corroboration of your story. ...
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| Damage due to snowdrift across lane | 1/7/2009 | Richard Hixenbaugh |
Q: Is this considered a comp claim or a liability claim; I was driving home on a state hwy at 35 mph ...
A: It will be up to your insurance company if this is paid as a collision or comprehensive claim. On ...
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| insurance fraud | 1/7/2009 | Bennie719 |
Q: how much time would a first offender receive for filing a false insurance claim
A: States put different prioritys on enforcing the laws on their books, many times depending on the ...
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| deer and icy conditions..hit a guard rail | 1/7/2009 | webfoot |
Q: just a few days ago i swerved to miss a deer on the highway. I was doing approx 85 km in a 100 kmh ...
A: Sorry to hear about that. It happens down here in the south all the time, with or without ice. As ...
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| No fault insurance | 1/6/2009 | Richard Hixenbaugh |
Q: I was in a car accident in 2006 in NY. I was seriously injured and was put on disability. I ...
A: It should have been picked up on but again, it seems to have been an oversight. You should contact ...
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| no insurance or license | 1/6/2009 | Anne |
Q: I am 18 and do not have driver's license. I drove my step-father's vehicle and had an at fault ...
A: Wow man. Well, sorry to hear that. Yes, the uninsured property damage covers their damages, but the ...
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| Backing out | 1/6/2009 | Richard Hixenbaugh |
Q: I was wondering who would be at fault here. i was driving through a parking lot and someone had ...
A: Yes it does appear that the other driver is at fault. You should provide your insurance company ...
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| Backing out | 1/5/2009 | Richard Hixenbaugh |
Q: I was wondering who would be at fault here. i was driving through a parking lot and someone had ...
A: Since you are already dealing with your own insurance company you should ask them if you should ...
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| Friend driving my car in a different state with bad weather conditions = Accident | 1/5/2009 | Anne |
Q: My friend is from West Virginia, and I am from Washington. She came to visit me and we drove from ...
A: Most likely yes. The Auto policies have a clause called the omnibus clause on it. This clause ...
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| insurance claims | 1/5/2009 | Bennie719 |
Q: I am in need of help. I am dealing with AAA auto club. The insurance adjuster totaled out my car, ...
A: Every insurance policy in your state is written and administered under the insurance laws governing ...
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| parking lot accident | 1/5/2009 | Richard Hixenbaugh |
Q: I was involved in a parking lot accident. My car was more then half way out of the parking spot when ...
A: Parking lot accidents are some of the most difficult to determine liability. As the person backing ...
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| truck wrecked | 1/5/2009 | Rob Painter, Ase, CFEI, CAFATE |
Q: i just got plowed at an intersection, what type of value do the insurance go by to determine what my ...
A: Insurance companies use fair market value derrived from Kelly's blue book or other like kind ...
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| Diminished value claim | 1/5/2009 | Anne |
Q: My 2008 Toyota RAV4 was hit by a driver running a red light. My car was hit on the driver's side ...
A: You hit the nail on the head! And actually, I am very glad you are asking this question. Most ...
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| DUI w/no insurance | 1/5/2009 | Bennie719 |
Q: I wrecked my car after being run off the road by some car that drove away after hitting me. I called ...
A: Since there is no identified 3rd party from which to recover and you can't recover from your own ...
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| insurance claims | 1/4/2009 | Bennie719 |
Q: I am in need of help. I am dealing with AAA auto club. The insurance adjuster totaled out my car, ...
A: By law, the insurance company only owes you the fair market value of your vehicle. The fact that ...
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| Coverage for a borrowed vehicle driver | 1/4/2009 | Bennie719 |
Q: I live in NJ and would like to ask a generic question. Is it ok to have separate car insurance ...
A: Yes, it's OK to keep the cars on separate policies but there is quiet a savings by putting them on ...
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| No fault insurance | 1/4/2009 | Richard Hixenbaugh |
Q: I was in a car accident in 2006 in NY. I was seriously injured and was put on disability. I ...
A: Unfortunately, as you indicated this was a mistake. You do not get to keep the money just because ...
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| auto injury to 17 year old daughter resulting in a fractured sternum | 1/4/2009 | Doctor Settlement |
Q: My daughter was involved in an auto accident on dec.13 2008. she was traveling southbound on hwy37 ...
A: Well, your daughter has a good Mom who is wise enough not to sign off on a settlement too soon. ...
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| auto theft | 1/4/2009 | webfoot |
Q: My car was stolen about 3 weeks ago. I have fully cooperated with the insurance adjuster and have ...
A: Rights? Your rights along with your responsibilities are listed in the policy that you signed, ...
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| dinged car who pays | 1/3/2009 | Anne |
Q: My son was in another car and when he got out he dinged another car. The owner did not call the ...
A: Your son would be responsible for the damages he caused to both vehicles (if both vehicles were ...
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| auto accident / full torte limits | 1/3/2009 | Doctor Settlement |
Q: I was involved in a rear end collision during white out conditions. I was stopped with my 4 ways on ...
A: It sounds like you live in a no-fault state and that you have WISELY PURCHASED THE FULL TORT ...
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| Brand new BMW backed into! | 1/3/2009 | webfoot |
Q: I just leased a brand new BMW 750 4 weeks ago and have already got into an accident! I was in the ...
A: It is so ironic that I received this question from you tonight as I was able to share it with my ...
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| Failure to Stop - Liability Issue | 1/2/2009 | Richard Hixenbaugh |
Q: My Daughter recently was hit by a driver who failed to stop at a four way intersection. At the ...
A: Unforntunately, all you can do is give it your best shot. The is a classic "he said...she said" ...
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| 1998 ford taurus sho | 1/2/2009 | Anne |
Q: I have a 1998 ford taurus sho in michigan. the vehicle has 140000 miles on it. I researched the car ...
A: You are in a difficult position. Insurance companies do not have to take the N.A.D.A. or the Kelly ...
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| third party bodily injury claim | 1/2/2009 | Doctor Settlement |
Q: I was involved in an auto accident at the fault of the other driver. The at fault driver's ...
A: Have you seen how Dr. Settlement helps teach auto accident victims how to settle their own personal ...
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| Liability issues | 1/2/2009 | Anne |
Q: i got into a car accident where i was not at fault. the person in the other car who hit me was not ...
A: Something does not add up here. Usually insurance companies ask for sworn statements face to face if ...
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| vehicle | 1/2/2009 | Richard Hixenbaugh |
Q: I legally parked my car on a road in front of my in-laws house. We went inside and my car was later ...
A: When Is A Vehicle A Total Loss? Most insurance companies will declare a car, light truck, or SUV to ...
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| After the Crash | 1/2/2009 | Bennie719 |
Q: My car was involved in a hit and run while it was parked in my driveway. The impact was so large ...
A: Since you state that the accident was a "hit and run", then you will be turning to your own ...
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| Auto Accident/PIP/BI | 1/2/2009 | Marc Nussbaum, Esquire |
Q: I was involved in an auto accident on2/18/2008. It was a rear end accident where one individual ...
A: Laurie, Lucky for you I work in a no-fault state-Florida. Generally, you have a contractual ...
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| collision claim | 1/2/2009 | Claims Guy |
Q: I added a collision coverage to my current insurance premium yesterday and had collision with a ...
A: Unless there was a parking lot surveillance camera, there probably is not any other evidence to ...
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| collision claim | 1/2/2009 | Richard Hixenbaugh |
Q: I added a collision coverage to my current insurance premium yesterday and had collision with a ...
A: Most companies will require when you add collision coverage for the agent to inspect the car to be ...
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| Number of days to make a claim | 1/1/2009 | webfoot |
Q: My boyfriend scrapped a car in a parking lot, causing minimal damage and left the scene because he ...
A: I'm surprised to hear that your boyfriend was charged with a hit and run that occurred on private ...
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| Settlement Question | 1/1/2009 | Claims Guy |
Q: On December 9, 2008, my husband and I were hit by a drunk driver while on our way to the store ...
A: The $3000 for the down payment is not in any way related to the settlement. They owe you for 2 ...
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| Auto Insurance Claim - Appropriate Offer??? | 12/31/2008 | Richard Hixenbaugh |
Q: The front passenger side of our 1999 Nissan Altima was backed into by a Chevy Yukon. The driver of ...
A: The reality of the situation is that you are generally not entitled to anything for "discomfort" or ...
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| auto accident | 12/31/2008 | Richard Hixenbaugh |
Q: Richard, I'm sorry this may seem a little long but I'm just a mess trying to understand if there ...
A: I'm very sorry you are going through such trouble. Unfortunately, there is nothing you can do ...
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| parking lot accident | 12/31/2008 | Anne |
Q: My daughter was backing out of her parking space she was 90% out and another car started backing out ...
A: I am sorry to hear about your accident. NC follows the pure negligence rule (N.C.G.S.A § 99B-4(3)). ...
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