About Bennie719 Expertise I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.
Experience Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license.
I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
Question hi my name is ryan .i have 2004 honda accord 60,00 mile in it and i still owe the bank about $14,000. I had an car accident last june 28, 2009 around 3:00 p.m. west coast time. my girl was driving my car in the residential street and in the opposite lane my girl saw this driver duck down and probably she picked up someting in the ground and when she got up she just went to my girl's lane and hit the front wheel of the driver seat side and fornt wheel axle is jacked up as well as the door of the driver seat. 4 of the airbags inflate by the driver seat side. and she ran out fron the car and said 'oh my god i'm sorry it's my fault i'll pay for everything etc. and my girl was in shocked she just sat their untill paramedics came and 5 mins later the cops came, ask questions for the both party.Good thing nothing happen to my girl she didint go the E.R. but right now she's feeling the pain already especially the c-spine area,thorax and the shoulders. so I called my insurance the next day to report the claim i told the story and they said 'unfortunatley we are not able to cover your car because your girl is not under your policy but good thing it wasnt her fault so the other party insurance should be able to pay you all the damages'. So finally today we talked to the adjuster of the other party insurance, which is state farm, and they said we already talked to our client and it seems like it was you fault she said my girl was the one who went to her lane not her so obviously she's changeing her statement. so right now we just gonna wait for the police report to be done and the state farm will make a move from there. my question is what is the worst thing that could happen to my case, the state farm wont pay my car?i'm gonna end up paying in my own pocket. since i have a gap insurance is the going help my case and also do i have good chance to win my case? i would really appreciate if you could give me an answer. thank you
Answer Hi Ryan,
I need a little more clarity before I can answer your question.
Throuought the question you make reference to "my girl".
I need to know if "my girl" is:
Your daughter who lives with you.
Your daughter who does NOT live with you.
Your girlfriend who lives with you.
Your girlfriend who does NOT live with you.
Your answer is very important in order to allow me to properly respond to your question.
