Auto Insurance Claims/help!

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Expert: - 12/18/2009


Question
someone crashed into my car (they went into the back of me). I have their details and the name of their insurance company BUT, i am not insured. Do I have to be insured for my car to get fixed?  

Answer
No, unless you live in a "no fault" state. Only a few states have "no fault" insurance laws, which means each driver is paid by their own insurance. However its different in each of those states. Some may only apply to bodily injuries. Telephone your local small claims court and ask the clerk if you can sue for automobile property damage. You can also call a local "accident attorney" in the yellow pages. They should not charge for such a simple question.

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Ron Cercone

Expertise

How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.

Experience

I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.

Organizations
CAPIA (California Association of Public Adjusters).

Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .

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