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Auto Insurance Claims/Financial responsibility

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Expert: - 3/29/2010


Question
We were driving back to campus and my friend was driving my car, I think she fell asleep because it wasn't any weather or anything that could have contributed to accident. We flip over, hit the guard rail and had to be cut out of the car. We only had minor injuries but my car was a total loss. My questions do have any legal ground to seek financial compensation from my friend, or is just my loss? This occurred in Michigan.

Answer
If your friend was negligent and you were uanble to stop her from driving your car, then you may have some recourse against her. See an attorney on this. As to the total loss, if your insurer underpays you for the value of your car, get the eBook at UClaim.com entitled Total Loss Auto for Insureds.

If you did not have collision coverage, you should get uninsured motorist property damage coverage for your car, usually only $10 or $15 dollars every 6 months, since your chances of getting hit by someone else is 50\50.

Auto Insurance Claims

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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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