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Auto Insurance Claims/Questions Answered by Expert Rob Painter, Ase, CFEI, CAFATE
| Subject | Date Asked |
| claim for theft of my car | 2/10/2012 |
| Q: my car was stolen and honestly i can confirm in all honesty that i was not party to theft of my car ... A: You need not an attorney at this time. You seal your fate for years with no guaranty of a successful ... | |
| Auto theft question? | 1/21/2012 |
| Q: My car was stolen a month ago and has not been recovered as of yet. My and my husband have done ... A: EUO has a lawyer. The worst thing you can do at this point is hire your own attorney because you ... | |
| unrecovered car theft - RBC insurance (delay/denial) | 1/15/2012 |
| Q: Hope you can help; my car was stolen from my driveway on a Saturday night. Late November In New ... A: Welcome to my world! I am not just a forensic expert witness on reported stolen cars to determine ... | |
| Car Theft | 12/15/2011 |
| Q: My car was stolen in the beginning of September of this year. I have a pending fraud charge and ... A: You need to contact me as soon as possible, preferably today and we can discuss-866-490-1673 ... | |
| Car Title | 12/4/2011 |
| Q: My brother, sister and I inherited her car as she recently passed away. Can you tell me where and ... A: There are two entities involved here. Probate in which you need an attorney. Or, you can inquire ... | |
| Stolen MW 645 | 11/30/2011 |
| Q: I need to retain an expert's help win my claim against State Farm for my 645 BMW being stolen from ... A: Arc forensics--Herbie Miller who is about 75 years old. I have always prevailed against him. In my ... | |
| Flood Car | 11/22/2011 |
| Q: Really enjoy your responses...didn't think I'd ever need to write! Here's mine: my VW Phaeton was ... A: Let.s see if we can nail down the water leak. You should not have given the suggestion that it was a ... | |
| Extremely minor fender bender in california, no damage to either car, received call from insurance | 10/31/2011 |
| Q: Question for you: I was a party in an extremely minor fender bender in California, if you could ... A: No matter how much the rush, police should be called to protect you! There are many shady people out ... | |
| Auto Theft Being Considered an "Accident" | 9/21/2011 |
| Q: I have State Farm insurance, and my car (Nissan Maxima) was recently stolen from outside my house. ... A: You need to call me. This is what we do. There is no such thing as a Nissan master key. However it ... | |
| Insurance payout | 8/5/2011 |
| Q: I was involved in an accident and the other driver was at fault. No one was hurt, and her insurance ... A: The check may be written to the finance company, you and the body shop anyway. The lien holder might ... | |
| car accident | 7/12/2011 |
| Q: okay so today at school i backed up with my wheels turned in, checking rear first then the two ... A: Here is your situation as I see it. It surprises me that a cop even was their because a parking lot ... | |
| My Parked Car Damaged By Van Backing Up. | 7/7/2011 |
| Q: In February of this year at 9pm at night my vehicle was parked on a city street in NYC. I was about ... A: With the caveat I am not a lawyer and cannot give legal advice, if it were me based on my 20 years ... | |
| Insurance payout | 6/22/2011 |
| Q: I have signed an settlement with an insurance company in a product liability problem. They have ... A: You ave more trust than me. I wouldn't have signed anything without a check in hand. The release is ... | |
| Wheel Off | 6/3/2011 |
| Q: I am an ex-employee of a national automotive service and repair company. In the course of my ... A: I am not sure what you are referring to as "Wheel off." Steering wheel? Road wheels? I need lots ... | |
| stolen 09 SUV | 5/11/2011 |
| Q: my 09 tahoe was stolen and recovered burned, talk to my insurance adjuster at geico said she hired ... A: You are not alone as it relates to the investigation stage of the claim and once referred to the ... | |
| ins. ? | 4/18/2011 |
| Q: we have two adult sons 21 and 22. who live away from home and work part time and attend ... A: I only have the limited information you have presented, but I can understand the insurance company's ... | |
| Auto theft in Mexico | 3/27/2011 |
| Q: My car was stolen in the Tijuana area, just a few miles from the California border. I had Mexican ... A: This is something I just can't answer. I don't have any of your insurance policy information. I will ... | |
| Arson | 3/27/2011 |
| Q: My neighbors house was just burned down by arson, and my mini van parked in front of my home was ... A: This is interesting. As for your state required auto insurance, that only covers your liability for ... | |
| no claims bonus | 3/22/2011 |
| Q: in july 2010 my stepson took my car without my consent,he was prosecuted in court for theft and ... A: Even if they claimed on their house insurance there is a thing known as subrogation. What this means ... | |
| Car "theft" by live in boyfriend | 3/19/2011 |
| Q: This is a crazy question and please don't condemn me for what I ask. Unfortunately, I am a human ... A: I am not condemning you, or criticizing you, but here are some cold hard facts as they relate to ... | |
| VEHICLE FIRE | 3/12/2011 |
| Q: MY 2005 CORVETTE CAUGHT ON FIRE. IT WAS ALL EXTERIOR. IT HAD 915 MILES. IT WAS COVERED AND SITTING ... A: We serve Las Vegas. We are the only forensic firm in the country that dares work against insurance ... | |
| car and pedestrian accident | 3/12/2011 |
| Q: I was hit by a car today while crossing the street,driver was not looking both ways and as i ... A: You should go to a hospital to document any physical problems you have. Think out of the box here ... | |
| rental car payoff | 3/11/2011 |
| Q: I rented a car for a friend. She was listed as codriver. she left the states and never returned the ... A: Good question, but this is what I would advise you to pay some money and consult with a local ... | |
| denied motorcycle theft claim | 3/7/2011 |
| Q: I am not sure if you can help me, but maybe you can lead me in the right direction...about 3 1/2 ... A: Why don't you give me a call at 866-490-1673 and we can discuss. Trying to revisit a denied claim ... | |
| Settlement | 2/22/2011 |
| Q: My girlfriend was in a car accident a couple of weeks ago and the insurrance company totaled her car ... A: The best advise I can suggest is have her contact a lawyer because it will mater the state she is ... | |
| Cancelling a Filed Claim | 2/16/2011 |
| Q: About 3 weeks ago my wife (on a joint policy) backed into the front of my car in our driveway. I ... A: Unfortunately for you once the check is sent, the claim is already closed. Now, you have a new claim ... | |
| stolen vehicle question | 2/7/2011 |
| Q: my truck was stolen from my driveway. two nights before my keys were stolen from a local casino. ... A: I thought I was the one that had the stories of auto theft with our store repairing over 10,000 ... | |
| stops paying a cliam | 2/4/2011 |
| Q: If your car insurance stops paying can the person sue you? A: If your question is where you have exhausted your liability limits and you are wondering if you can ... | |
| insurance | 1/30/2011 |
| Q: I have a question about Insurance. I have Farmer Insurance. I pay $200 every six months for my ... A: Not really sure about your question here, but I will try to answer the questions. What is ... | |
| Is my college student covered? | 1/29/2011 |
| Q: I live in Texas and my daughter lives on a University campus 45 minutes away. She was in town and ... A: Since I am limited in the information you can give me, it's best to deal with the one that knows ... | |
| previously salvaged title | 1/27/2011 |
| Q: I currently live in Nebraska. I was driving a 1998 volkswagen golf gti vr6. I was rear ended and hit ... A: I am not sure as to how I can help you. Salvage title brings value down, up to 40% compared to a ... | |
| How to get a claims adjuster to pay for what is needed? | 1/26/2011 |
| Q: I live in Edmonton, Alberta, Canada. I was in an accident threw no fault of my own. My lawyer says ... A: This is something you need to talk to your lawyer about. The lawyer knows the limits and it is the ... | |
| 645 BMW Stolen | 1/22/2011 |
| Q: During a class reunion in NJ my 645 BMW was stolen. Immediately I called the police. Three cop cars ... A: What you need to do immediately this weekend is go to my website http://www.autotheftexpert.com and ... | |
| auto theft claim denied | 1/16/2011 |
| Q: my daughters auto was stolen and later recovered arsoned.the insurance adjuster says their mechanic ... A: Before you go to any lawyer, as I said contact me. I think you now know I know what I am talking ... | |
| auto theft claim denied | 1/14/2011 |
| Q: my daughters auto was stolen and later recovered arsoned.the insurance adjuster says their mechanic ... A: Filing a complaint with the insurance commissioner is a waste of time. They always seem to side with ... | |
| how to get total loss removed from vehicle status | 1/12/2011 |
| Q: I bought a 2009 VW Jetta that was hit in the left rear quarter panel. I purchased it repaired. VW ... A: OK, here is another situation. If totaled at the VW dealer and repaired by the VW dealer, they are ... | |
| how to get total loss removed from vehicle status | 1/12/2011 |
| Q: I bought a 2009 VW Jetta that was hit in the left rear quarter panel. I purchased it repaired. VW ... A: Depending on the state depends on the status of the brand of the title. If the title says "total ... | |
| warranty work on a new car outside dealership | 1/10/2011 |
| Q: Respected Sir, I am a taxi owner in a small town and i have a new hyundai elantra ... A: I really appreciate your greeting. As for your situation, I understand loyalty to one repair shop. ... | |
| should i file a claim or not? | 1/7/2011 |
| Q: while turning corner on an icy road in a snow storm, vehicle slid hitting rocks on side of road ... A: Insurance is meant for catastrophic damage and I would put that in the category of catastrophic. ... | |
| car accident | 12/29/2010 |
| Q: It was snowing and i slid into a telephone pole. There was no damage to the pole, but there was ... A: Technically, you left the scene of an accident, which is something no one should do. I will tell you ... | |
| accident/insurance vs. private party | 12/27/2010 |
| Q: Someone ran a red light and hit my 1998 Town & Country van. The estimate from the body shop is ... A: I don't recommend back room deals like this because they can come back to bite you. Let's say you ... | |
| health insurance/auto insurance | 12/14/2010 |
| Q: my son had to go to the hospital due to an auto accident. I used my health insurance information. ... A: I suppose in after thought, I should have asked the state you were located in. I am not familiar ... | |
| teenager MVA in NH | 12/8/2010 |
| Q: My son just got his license 16 in NH had a vehicle that was insured but removed from coverage took ... A: Your question is interesting because there are many ways to approach this. Please keep in mind that ... | |
| Auto engine damage | 12/3/2010 |
| Q: I had the water pump in my car replaced and the first day I got it back and drove it my engine froze ... A: I believe because you did not attempt to be specific until now that my first sentence states I will ... | |
| Auto engine damage | 12/2/2010 |
| Q: I had the water pump in my car replaced and the first day I got it back and drove it my engine froze ... A: Well, you have some problems here. I will assume this is a USED Cadillac engine in your car. You ... | |
| Coverage | 11/27/2010 |
| Q: I currently have 100/300/50 with SUM in a no-fault state. 1. I have option to raise this to ... A: Without knowing your assets and what you have to lose, this is a hard question for me to answer. ... | |
| law suit | 11/15/2010 |
| Q: If an insurance company already denied a claim to someoneone that was in a car accident, because the ... A: Yes you could but it could be very costly with no guaranty of an outcome. If you have full ... | |
| Insurance company dragging its feet | 11/12/2010 |
| Q: My wife's mother was driving my wife’s car on the way to pick us up from the airport and was ... A: You weren't real specific if you are dealing with no fault, but. That is OK. They canvdelay forever ... | |
| insurance claim | 11/12/2010 |
| Q: My wife was in an accident in the beginning of October. She was in traffic on a highway when a van ... A: You may not like my answer here, but I will lay it out with my 20 years of claims experience. I am ... | |
| original equipment | 11/11/2010 |
| Q: I was involved in a fender bender last month in which the other driver was found to be 100% at ... A: As you probably feel, this situation sucks, but insurance companies get away with this crap. If the ... | |
| Total loss | 10/28/2010 |
| Q: I have loss some reciepts for my modifications, some of the mods were baught at shows or swap meets ... A: Since I do not know how your policy pertains to your situation specifically. I am not the one to be ... | |
| Total lose | 10/20/2010 |
| Q: "I have a jeep rubicon with full coverage and 3k in gap insurance, I also have an extra 15k ... A: I don't know how your policy is set up, but by your discription with the gap the loan will be paid ... | |
| stolen? misused? or out of luck? | 10/20/2010 |
| Q: my husband and i let my mother and father-in-law borrow our truck. we lived in Tx and they lived in ... A: You have a very bad situaton and I can't think of anything good that will assist you. What is to ... | |
| auto fraud | 10/17/2010 |
| Q: About two years ago I borrowed my "friends" car. I ended up getting in a wreck, totalling his truck. ... A: Apology accepted and yes, you could have been clearer. Your response made it appear like you had ... | |
| auto fraud | 10/17/2010 |
| Q: About two years ago I borrowed my "friends" car. I ended up getting in a wreck, totalling his truck. ... A: I guess I hit a nerve. When I answer these questions, it is with the limitation of the information ... | |
| auto fraud | 10/17/2010 |
| Q: About two years ago I borrowed my "friends" car. I ended up getting in a wreck, totalling his truck. ... A: Wow! Both of you are amazing. I commonly try to help insureds that have been targeted by insurance ... | |
| Auto Injury Teeth Claim | 10/12/2010 |
| Q: I was recently in an automobile accident that I was in no way at fault for. Traffic was moving ... A: Do not play around with these goofs or speak with them again. Contact a local personal injury ... | |
| 17 year old - 3 accidents and speeding ticket | 10/8/2010 |
| Q: He just had his 3rd accident. Not cited in any of them. Also has a 65 in a 40 zone. Can Geico drop ... A: Insurance companies have the same rights your son has. They can insure who they want and your son ... | |
| wrecked car with a lien and no full coverage | 9/30/2010 |
| Q: I got into a car wreck in the state of florida where it is a no fault state. I still owe 6,000 ... A: You gave me very little information to work with here. Is the car totalled? Can it be fixed? Are you ... | |
| not sure where i stand | 9/26/2010 |
| Q: CAN YOU TELL ME HOW MUCH MY CAR IS WORTH OR IF KNOW IS THERE A WAY I CAN FIND OUT WHAT IT IS WORTH ... A: I apologize for the delay, but I answered the question twice and for some reason it did not post. ... | |
| premiums | 9/23/2010 |
| Q: I have a car financed and registered in my name. My credit is poor. Is there a legal way to insure ... A: Your first problem is that they are registered and financed under you and this in itself will create ... | |
| Insuring an undriven car | 9/19/2010 |
| Q: My mother-in-law has not driven her car in the past 2-3 years and is not ready to sell it although ... A: In order to protect the car against fire and theft, you need comprehensive insurance on the auto ... | |
| stolen suv | 9/19/2010 |
| Q: The suv was stolen and recovered by the police the following day in a crime ridden area with $7000 ... A: This is a subject I am well versed on. I work for and against insurance companies and perform ... | |
| Legal requirements of companies | 9/1/2010 |
| Q: my name is Neal and I live in Alabama. I was recently in an accident in which I was completely at ... A: I do not know if it is legal. I am not an attorney, however relating back to my experience with ... | |
| branded title | 8/26/2010 |
| Q: Can an insurance company deny a comprehensive claim because you have a branded title? I have had the ... A: No more sleezy than giving you a discount for having an anti-theft system only to have the claim ... | |
| Comprehensive Coverage of Vehicle Fire | 8/12/2010 |
| Q: My 03 chevy impala is financed, so I am required to have comprehensive and collision coverage on it. ... A: Do not let that shop do any repairs yet! You have given the dealer the right to cure and they ... | |
| Comprehensive Coverage of Vehicle Fire | 8/8/2010 |
| Q: My 03 chevy impala is financed, so I am required to have comprehensive and collision coverage on it. ... A: Sorry for the late answer, but I have family issues going on and the more difficult answers I needed ... | |
| Comprehensive Coverage of Vehicle Fire | 8/6/2010 |
| Q: My 03 chevy impala is financed, so I am required to have comprehensive and collision coverage on it. ... A: First of all mechanics are not qualified to determine the cause and origin of a vehicle fire and it ... | |
| right to pick garage for quote | 8/5/2010 |
| Q: I had my vehicle broken into and some items broken and stolen in the process. I talked to the ... A: Gps, Cds, luggage etc. are all covered under renters or homeowners-seperate claim other than comp. ... | |
| CAR TOTAL/LOSS?? | 7/27/2010 |
| Q: MY CAR WAS REAR ENDED. THEIR INSURANCE COMPANY SAID IT WAS A TOTAL LOSS. THEY WANT TO GIVE ME ... A: The insurance companies go by fair market value. Most people think their car is worth more than it ... | |
| car accident | 7/12/2010 |
| Q: I had a car accident.. I had full coverage insurance. The other driver had insurance.. I live in ... A: I live in Texas also, the general rule of thumb is that you will be paid on thei actual cash value ... | |
| expected denial of claim | 6/28/2010 |
| Q: My vehicle, a 2007 subaru sti, was stolen from a street in brooklyn, NY where my fiance lives. My ... A: You need to talk to me about this process. This is what I do and serve as a consultant/expert ... | |
| CAR THEFT | 6/27/2010 |
| Q: CAR WAS STOLEN AND DESTROYED HAVE A 500 COMPREHENSIVE DEDUCTIBLE AND I HAVE A LIEN ON THE CAR WHAT ... A: You did not mention the type of car, the insurance carrier or location. As for your answer-- you ... | |
| waiving deductibles | 6/22/2010 |
| Q: Why is it when insurance companies tell their customers "If you take it to X body shop we will ... A: Insurance companies low ball the prices paid to the repair shops that want to be direct repair. ... | |
| Re: Auto Insurance Deductible | 6/22/2010 |
| Q: Re: Auto Insurance Deductible Dear Mr. Rob Painter: My car was hit bay another car when I was ... A: Here is how it works; as the insurance company told you they need to speak with other driver in ... | |
| Stolen motorcycle claim | 6/17/2010 |
| Q: I recently purchased a used/new motorcycle; A 2008 Yamaha r6 w/2500 miles (as of stolen date), I did ... A: To answer your question as to what price they will pay, most insurance companies go by what is on ... | |
| Bumper's paint chipped off | 6/15/2010 |
| Q: I recently took my car to get it washed at a car wash that uses the typical machine that pushes your ... A: I picked this up from the question pool and it was not sent directly to me. You can turn a claim in ... | |
| stolen truck payout | 6/15/2010 |
| Q: I have had my truck stolen, Dealing with the insurance company, there are willing to pay for what ... A: Your question went to the question pool and not to me. If you bought the truck new they offer gap ... | |
| Accident: Insured but expired driver license | 5/30/2010 |
| Q: What is the best scenario in the situation whereby I am insured, but my driver license have expired. ... A: First, your insurance company has to cover any liability caused from the accident. As far as the ... | |
| denial due to no insurance | 5/20/2010 |
| Q: If I am driving an uninsured vehicle, owned by me, that I thought was insured and I get hit by ... A: The first thing I will tell you is that I am not a lawyer nor am I familiar with the State laws of ... | |
| Claims | 5/17/2010 |
| Q: On May 11th, 2010, I was driving eastbound on a street crossing an intersection with yellow lights, ... A: From what you have told me, it sounds like the insurance company is attempting to get out of their ... | |
| Rebuilt title/insurance policy | 5/2/2010 |
| Q: I recently bought a salvaged title vehicle. When I called my insurance company to have it added to ... A: Yes, it makes one heck of a difference! In the event of a claim, you will find that the vehicle is ... | |
| 2000 Ford XLT Explorer SUV | 4/27/2010 |
| Q: Had Garage Fire...But Explorer SUV Only Received Black Soot "Smoke" Damage --No Fire Heat Damage. ... A: The number of questions is not a problem, it is just those I could answer. I have never hears of ... | |
| 3rd Party Insurance Company Claim | 4/21/2010 |
| Q: Good Evening My car was hit in a parking lot while I was in a place of business, the cop actually ... A: I understand your point about if the car had not been hit by this car, you wouldn't be dealing with ... | |
| motorcycle accident | 4/13/2010 |
| Q: I had just left my house and not but a half a mile down the road and a dog crosses right in front ... A: Depending on your policy, you probably would not have to file a police report to have the claim ... | |
| Auto Theft | 3/30/2010 |
| Q: my 2006 Ford Explorer Truck was stolen March 2, 2010 from a night club and was found about 2 weeks ... A: Well, at least you notice that they are treating you like you had something to do with the theft. ... | |
| truck stolen and under investigation | 3/29/2010 |
| Q: my 2007 suburban was stolen february 16. i bought it february 15. a month before my escalade was ... A: There is absolutely nothing you can do at this point. Threatening them with an attorney only ... | |
| Accident Inquiry: Settlement | 3/24/2010 |
| Q: Painter, I was involved in a rear-end collision last august. I was not at fault and the drive behind ... A: There are many things here you have not addressed. Your age, your general health, how hard the ... | |
| auto accident | 3/23/2010 |
| Q: I was involved in an accident where a teenager was talking on her cell phone. The car in front of ... A: I can only give you general advice here. You may not like what. Wite, but I don't make the rules. ... | |
| auto claims | 3/19/2010 |
| Q: Lexus 2008 wheel was scatched and tire was torn a tiny bit. The ins. will pay for replacment which ... A: I can only speak in general terms without knowing all the specifics to your policy and claim. Here ... | |
| personal injury settlement | 3/8/2010 |
| Q: I was involved in a rear end collision last Oct. My insurance company Progressive has paid my ... A: Courts do not allow someone to better themselves. You are allowed to be made whole only. If the ... | |
| Existing Prior Damage | 3/5/2010 |
| Q: My 2002 Chrysler Sebring was involved in an accident that caused damage to the front bumper and ... A: Unfortunately, the real story is you don't have much recourse. You can hire an attorney to contest ... | |
| Suspended license and release form | 3/4/2010 |
| Q: I was involve in an accident last year. It resulted to damage to 2 cars amounting to $6000 for one ... A: The SR 22 is no unique to Florida. This is the requirement for financial responsibilty and is used ... | |
| 5 month old car | 2/26/2010 |
| Q: my car was totaled at less than 5000 miles and 5 months old/ does the insurance company pay for a ... A: I am not the person to be asking because all carriers and policies are different. Allstate and ... | |
| insurance claim | 2/21/2010 |
| Q: there was recently a crazy man at our house with a metal rod... he wanted a cigarette. when i ... A: you have 2 things going on here. You are not covered for this loss. In order to be covered you would ... | |
| Insured Driver wasn't driving! | 2/19/2010 |
| Q: My car was hit on 2/12. The driver of the car wasn't the insured owner but had permission to drive ... A: From my experience, examinations under oath (EUO) should cause concern. It appears there are facts ... | |
| Bumper Dispute on Claim | 2/19/2010 |
| Q: My son was hit by a passing vehicle that pulled into the front left side of his truck. There was a ... A: If the pre-existing damage basically destroyed the cosmetic effect of the bumper, the insurance ... | |
| I brought a car... | 2/3/2010 |
| Q: Maybe you could help because I have been trying to get answers for about 4 weeks. Well, my name is ... A: You probably won't what I have to tell you, but buying a used car it is always "buyer beware." worse ... | |
| Auto Insurance Loss Of Use | 2/2/2010 |
| Q: I had a car accident on November 17, so right now I am waiting around 3 months to pick my car from ... A: I don't have enough details to answer your question, but your agent does. The agent is the one who ... | |
| My Expedition was stolen from Walmart | 1/21/2010 |
| Q: I am sure that you have seen this many times. About three weeks ago I came out of Walmart to find my ... A: Unfortunately, there is only one firm across the country that is fully capable and is willing to ... | |
| No damage accident | 1/20/2010 |
| Q: I was back from tour in Iraq for my 2 week break, me and my sister were driving my mothers car and ... A: Yes, I see where this is going to. In the INS industry we had a saying: (NLTB)--never like that ... | |
| insurance | 1/18/2010 |
| Q: Explain the meaning of the term premium in relation to insurance? A: Premium as it relates to insurance is the amount you pay for the insurance policy. Let's say your ... | |
| Auto Theft/Total Burn | 1/4/2010 |
| Q: This is a follow-up question to one I have already posted. Since the first question I asked you I ... A: I remember speaking with you a while back. I have no such template and you are at their mercy. Even ... | |
| Auto theft claim denial | 12/31/2009 |
| Q: My BMW 650 was stolen on October 11th from in front of my parent's house. I filed a police report ... A: You need to review the site http://www.autotheftexpert.com immediately and then contact me ... | |
| deer damage | 12/27/2009 |
| Q: I hit a deer tonight and I do not have comprehensive. It did a lot of damage, even busted the ... A: I hope you at least kept the deer for food. It will be coming out of your pocket. If you did not ... | |
| Can’t get car rental at the price covered by the auto policy | 12/15/2009 |
| Q: My car insurance only has car rental $20 per day. I am unable to get car rental at such a low price. ... A: No, I can't answer your question directly. It all depends on how your policy is written and how it ... | |
| Can’t get car rental at the price covered by the auto policy | 12/15/2009 |
| Q: My car insurance only has car rental $20 per day. I am unable to get car rental at such a low price. ... A: Judging from what you are telling me, the insurance company is required to pay $20 a day for a ... | |
| Auto Theft/Total Burn | 12/8/2009 |
| Q: My 2002 Infiniti G20 was stolen from outside of night club, and at first when I came out I thought ... A: Here is what you need to do--go to http://www.autotheftexpert.com Review the information and the ... | |
| Comphensive claim denied/ Mechanical Failure? | 12/3/2009 |
| Q: Rob, I own a 2003 Motorhome. We started our generator to recharge batteries. After about 20 minutes, ... A: There is no possible way I can give you any type of answer without knowing ALL the facts and that is ... | |
| Auto insurance settlement | 12/2/2009 |
| Q: After scraping the side of my car on a post that :jumped out in front of me" I took my car to an ... A: Bad news and you probably won't like my answer, but it is based on over 20 years of claims handling ... | |
| Comphensive claim denied/ Mechanical Failure? | 11/30/2009 |
| Q: Rob, I own a 2003 Motorhome. We started our generator to recharge batteries. After about 20 minutes, ... A: Motorhomes are a money a money pit as are trailers. Don't get me wrong, I like both, but they are a ... | |
| Car was totaled now what | 11/24/2009 |
| Q: what will my insurance company do for me now that my car was totaled in a accident.The fault is on ... A: In all honesty, you have not given me all details about your claim, but that is OK. The best ... | |
| Truck Theft | 11/14/2009 |
| Q: On a transponder key. I had a vechile stolen with it How does that happen? I though that was purpose ... A: Here is the story. If your ins company denied you, you are guilty till proven innocent. The ... | |
| Total Loss Settlement | 11/9/2009 |
| Q: Mr. Painter - My car was hit in front of my house a few nights ago and the damage to the car is more ... A: Branded cars are worth 30-40% less. You may have a duplicate title, but obviously the insurance ... | |
| auto policy claim | 11/8/2009 |
| Q: i moved from NY to Ga last year and did not inform geico to reflect the change. i was involved in ... A: Depending on your policy language, yes they can. I currently have a similar situation, however I am ... | |
| Claim filed; don't have the deductible yet | 11/7/2009 |
| Q: I filed a claim with my insurance company today for an accident I was in (and at fault). I don't ... A: This is a general question requiring a specific answer. You need to ask your agent and how it ... | |
| Bad name | 11/6/2009 |
| Q: Please see response below from Richard Hixenbaugh, particularly his comment that "...Insurance ... A: I really have no clue as to why this was sent to me. It isn't even a question. It appears Richard ... | |
| Hit my own car | 11/5/2009 |
| Q: I was backing out of my driveway at night and backed into our truck, that was parked in front of my ... A: You can do what you want, however lying could go backwards on you and then you may get stuck with no ... | |
| The third carrier obligation | 11/4/2009 |
| Q: Does the other car insurance have obligation of good faith to settle my loss or only my own ... A: AS I told you, I am answering this in the blind. I am not familiar whatsoever with no fault ... | |
| The third carrier obligation | 11/4/2009 |
| Q: Does the other car insurance have obligation of good faith to settle my loss or only my own ... A: This question is too general. There are many variable in which I cannot answer if a no fault state. ... | |
| how much time | 11/3/2009 |
| Q: In Michigan, how much time do you have to make a claim if someone hit you, but you made a police ... A: I am not a lawyer nor do I know the Michigan statutes that pertain to this matter. What I would ... | |
| auto liability insurance | 11/2/2009 |
| Q: Does liability auto insurance pay to get my car fixed if i wrecked because of bad weather. A: Liability is what it says, liability. It covers for damages and injuries you do to others and ... | |
| accident on private property | 11/1/2009 |
| Q: was involved in an accident at my house where my friend left his car at my house and to my ... A: With friends like that, you don't need enemies. I cannot address the legal implications because I am ... | |
| Settler insists on writing chk to bodyshop not me | 10/31/2009 |
| Q: Grocery cart wrangler damaged my car in parking lot. Insurance companies are not involved. Although, ... A: Well, he is just looking out for himself and does not want to enrichen your pockets. I don't know ... | |
| Driving along the freeway i hit a rock. | 10/31/2009 |
| Q: I was driving along the freeway here in CA when I hit a very small rock I didn't even realize I had ... A: Since I am not reading your policy, I don't even know if this damage would be covered. The best ... | |
| Excess Mileage on Totaled Car | 10/24/2009 |
| Q: Recently my insurance company (GEICO) determined that my car was a total loss. The residual value ... A: You ask if this is common? Every situation is unique. I am not a lawyer and cannot give legal ... | |
| Auto insurance | 10/22/2009 |
| Q: I have recently found out that the insurance companies offer a accident rating waiver endorsement ... A: I am going to assume you are in Ontario because you have a choice of companies. It gets worse in ... | |
| PD car fire caused by other vehicle | 10/19/2009 |
| Q: My sons vehicle was parked at a public area. The vehicle next to his caught fire. The police and ... A: Technically, I would think they would be liable, but I am not a lawyer. It would be more interesting ... | |
| lien holder settlement | 9/15/2009 |
| Q: I was in an accident a few months ago & the my vehicle was rendered a total loss by bout $10. After ... A: This is a little strange where the lien holder can keep the car and you still owe the money. Kind of ... | |
| fraud | 9/14/2009 |
| Q: my question is ths; i parked my car on a street, told my girlfriend to move it for but she never did ... A: Well, you admit you lied, which is a felony in most states for a false police report. Since you ... | |
| car theft and fire | 9/11/2009 |
| Q: My car was stolen and set on fire while I was out of town. The person handling my claim mentioned ... A: Many of your questions can be answered by going to http://www.autotheftexpert.com. Fraud is a ... | |
| auto theft/fire | 7/31/2009 |
| Q: On 02/01/2009 my 2008 Nissan Pathfinder was stolen and later found completely burned and striped of ... A: OK, now that that issue is moot, I need to explain some things to you. Insureds think they can go ... | |
| Claim on hit and run | 7/27/2009 |
| Q: I received a claim in the mail that I hit a parked car 90 days ago and they don't even have the tag ... A: I have heard of situations like this, but I would think the burden of proof would be on the person ... | |
| insurence settlement | 7/15/2009 |
| Q: my mom was recently killed by someone who hit her while driving her car. she was divorced from my ... A: You are asking a question that I cannot answer. There is first, the issue of state law. Then it ... | |
| AVIS claim | 7/11/2009 |
| Q: "Policy Effective: 11/30/2008 Policy Canceled (Insured Request): 2/11/2009 Date of Loss: 1/19/2009 ... A: You are asking questions I can't simply answer. Hopefully you have a sales agent and you can supply ... | |
| Stolen vehicle | 7/10/2009 |
| Q: I gave the keys to my daughter's car to a repair person, he called and asked for 3 times the amount, ... A: Unfortunately, this would not be considered a stolen car because in essence, by handing over the ... | |
| Victim claim problems | 7/8/2009 |
| Q: I my vehicle was hit in the side by a State Farm insured vehicle on private property. The driver ... A: By know means are your requirements of having the vehicle in pre-accident condition, no better, and ... | |
| Claim | 7/1/2009 |
| 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 ... | |
| Fire claim denied | 6/25/2009 |
| 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 ... | |
| Q | 6/25/2009 |
| 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 ... | |
| Q | 6/24/2009 |
| 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 ... | |
| 2 cars damaged by 1 tree branch | 6/15/2009 |
| Q: Greetings Rob, I had 2 cars damaged by 1 large tree branch last Friday (fell from a tall oak tree). ... A: They are 2 different claims even though they both happened at the same time. Turning both claims in ... | |
| Hydroplaned in storm, new insurance | 6/9/2009 |
| Q: I purchased an '06 Jeep in October of last year (2008) with low miles. About 2 weeks ago during a ... A: Trust me, if they can, they will make you responsible for one of those 20 marks if they can. In ... | |
| Hydroplaned in storm, new insurance | 6/9/2009 |
| Q: I purchased an '06 Jeep in October of last year (2008) with low miles. About 2 weeks ago during a ... A: I want it known that my answer here is not to be construed as legal advice of which I cannot give ... | |
| Auto Insurance Claim Inquiry | 6/9/2009 |
| Q: I was in an automobile hit from the rear in fall of 2008. The person that hit the rear of my ... A: The first thing I recommend to you is contact an attorney!!!!! If you tell me the state you are ... | |
| Mechanic damages vehicle | 6/9/2009 |
| Q: 1996 Ford Explorer XLT, taken to mechanic to find the reason for the Check Engine light being on. ... A: I don't know if you are going to like what I say, but here goes: I have been in the business ... | |
| Attorney | 6/8/2009 |
| Q: Based on your experience, why do you think insurance company sometimes hires an outside attorney ... A: My experience has nothing to do with why an insurance company selects to use outside law firms to ... | |
| car accident and no insurance | 6/4/2009 |
| Q: i live in Michigan , i was backing up my car from work's parking lot when i hit the driver side ... A: He will be compensated from his insurance company. The insurance company will then sue you through ... | |
| damaged title | 6/2/2009 |
| Q: Hello I was wondering if I should purchase full coverage or liability coverage insurance for my car ... A: You did not state what year make and model it is but the safe way to guess with a salvage title the ... | |
| theft | 5/29/2009 |
| Q: My car was stolen 98 days ago, I did everything from phone interview, personal taped interview, ... A: Unfortunately, they can go as long as they want when under investigation. They are not investigating ... | |
| Owner financing a car | 5/27/2009 |
| Q: If I sold a car & owner financed it, but still owed a bank note, & have to carry insurance on that ... A: Although this may seem like a great deal to you by getting rid of the car, don't do it. You are ... | |
| Auto theft claim | 5/26/2009 |
| Q: Its been 60 days since my vehicle was stolen and whenever I call the insurance company they tell me ... A: I am sure I can set you up with an attorney in Houston, however there is nothing you can do right ... | |
| liability | 5/26/2009 |
| Q: My son (not living at home) took my car without permission and wrecked it before I knew it was ... A: This is a question I cannot answer without all the information to your specific situation. You need ... | |
| MY CAR WAS HIT WHILE PARKED | 5/25/2009 |
| Q: I have been waiting way too long for a settlement, about 10 months to be exact and still waiting for ... A: Depending on state law and the amount of money you are attempting to recieve, I wouldn't pretend to ... | |
| totaled car | 5/22/2009 |
| Q: I was in an accident last week. It was not my fault and the lady who hit me took full ... A: This is the reason for gap insurance-to cover the gap between what you owe and what fair market ... | |
| contact with the at-fault driver's insurance | 5/20/2009 |
| Q: Will try to make a long story shorter....rear-ended at 50+, pushed into oncoming traffic, hit again, ... A: I can relate to your story and I will tell you where I am at 12 years later. I am now on SS ... | |
| Need Insurance Help!! | 5/15/2009 |
| Q: I was driving in traffic on the highway when it came to a stop. It wasn't a sudden stop, it was a ... A: Unfortunately, you are in a bad situation that I can't see an upside. In the insurance industry the ... | |
| pain and suffering settlement | 5/14/2009 |
| Q: My father was a pedestrian hit by a car in April 2009. He had no car insurance and neither did ... A: I am not an attorney, but have been involved in insurance claims issues and courts for years. All I ... | |
| Comprehensive claim | 5/12/2009 |
| Q: My vehicle was stolen, stripped, and vandalized. USAA said that there were prior damage to the ... A: I understand about the diminished value of the pre-existing damage, but you did not give me details ... | |
| Insurance outcome | 5/8/2009 |
| Q: Recently I was involved in an accident where I was at fault. I was at a stop light moving forward to ... A: Unfortunately, it is difficult to opine in your situation without knowing all the details. I will ... | |
| fire and theft claim | 5/7/2009 |
| Q: vandals recently burnt my commercial jeep out.now the insurance company only want to give half the ... A: The problem in answering this question for me is that I have no knowledge of how insurance companies ... | |
| I hate cars! | 5/7/2009 |
| Q: My financed car was legally park on the street in small town Washington. My car was involved in a ... A: I hate cars too--lol I knew I should have listened to my dad. He had a used car lot and a gas ... | |
| 87yr old man runs redlight, hits my car | 5/6/2009 |
| Q: An 87 yr old man ran a stop light and T-boned my vehicle in the intersection totaling my car. I had ... A: Being a previous car crash accident victim in which I was rear ended while stopped at a red light at ... | |
| Do Injury Attorneys help to get the best claim as far as damages? | 5/5/2009 |
| Q: I recently was involved in a car accident in which the other driver was at fault. My older car was ... A: I am going to be completely honest with you based on 11 years of court experience as an expert ... | |
| Do Injury Attorneys help to get the best claim as far as damages? | 5/4/2009 |
| Q: I recently was involved in a car accident in which the other driver was at fault. My older car was ... A: Yes, it is best to get a personal injury attorney to represent you. If you tell me the state, I ... | |
| OEM Parts Insurance Company | 4/27/2009 |
| Q: Do I have to pay the difference between an OEM part and a non-OEM part if the insurance company ... A: This is a slippery slope. If your insurance company would not pay for an OEM part for the vehicle as ... | |
| OEM Parts Insurance Company | 4/27/2009 |
| Q: Do I have to pay the difference between an OEM part and a non-OEM part if the insurance company ... A: Excellent question! In theory, the vehicle has to be repaired to pre-accident condition otherwise ... | |
| leased car totalled | 4/22/2009 |
| Q: My leased car was totaled, I was not at all at fault. I am currently laid off. Who will finance me ... A: Trust me when I say I can relate to your situation. It's not fair, I agree. The way it seems these ... | |
| Rear Ended by Unlicensed/Insured Motorist | 4/20/2009 |
| Q: My husband was rearended by a hispanic who was unlicensed, but insured (believe it or not). His ... A: Yes, as unbelievable as it sounds, it is a good thing there was insurance. You ask about ... | |
| My car was stolen | 4/13/2009 |
| Q: My car was stolen about a week ago, and I got a rental vehicle for about 8 days already. I just got ... A: Bad news--If they are investigating the theft, chances are almost 100% that they intend on denying ... | |
| Will my stolen car that was recovered show up on the Carfax report? | 4/7/2009 |
| Q: My car was stolen and recovered after a week. Other than the bottom of the front bumper and the ... A: Don't even believe carfax is that good! Normally, the car needs to be a total loss to have anything ... | |
| help please | 3/31/2009 |
| Q: my vehicle was stolen on a sunday and i got a call 4 days later that they recovered it but it was in ... A: You have a situation you really can't control here because the insurance company can do anything ... | |
| claim-vehicle Fire | 3/20/2009 |
| Q: I recently had the unfortunate opportunity of expercing a vandalism on my vehicle and it was set on ... A: Welcome to the world of being guilty until being proved innocent. There is nothing you can do to ... | |
| Asset protection | 3/15/2009 |
| Q: I was involved in an accident last year with a bicyclist in southern California. My insurance ... A: You can ask all the opinions you want. The only problem here is that you are asking advice that can ... | |
| Rental car damage | 3/13/2009 |
| Q: I have never been on this site before but it looks helpful. My husband and I rented a car from ... A: You don't need your credit damaged as you know. Contact a supervisor of the collections. If that ... | |
| Accident and if damages can be collected. | 3/10/2009 |
| Q: I was involved in an accident with my parent's vehicle where I hit a man that ran a stop sign. The ... A: I am not an expert in Michigan no-fault law. You need to have your parents contact their agent for ... | |
| Accident and if damages can be collected. | 3/9/2009 |
| Q: I was involved in an accident with my parent's vehicle where I hit a man that ran a stop sign. The ... A: It sucks that in WI, we are not required to have insurance. I would think in such a situation, your ... | |
| insurance dispute | 3/9/2009 |
| Q: The body shop has submitted supplement damages claim to insurance for 10,000 dollars. Prior to the ... A: Depending on your state laws will make a difference. In Wisconsin, anything over $25 the customer ... | |
| salvage titled car | 3/5/2009 |
| Q: i purchased a car with a salvage title. I've found that most companies will not allow comp or ... A: As a general rule a salvage vehicle that is repaired is worth 30-40% less than a non-salvage. I ... | |
| Car deal gone bad | 2/27/2009 |
| Q: We had sold my husband camero to his friend's girlfriend and the original agreement was for 2500, ... A: The best way to lose friends is to do business with them. You have a situation that is not unique ... | |
| My insurance check claim | 2/26/2009 |
| Q: I got into a car accident and I took my car to a shop the insurance inspector gave me $4000. to fix ... A: The way it works is that the body shop gets the check, you pay the deductible to the shop. You sign ... | |
| Refusing to total out a vehicle | 2/24/2009 |
| Q: We own a 2000 Chevy Silverado with 110K miles, clean and in excellent condition prior to our ... A: This was the biggest problem we had in repairing insurance vehicles. The owner's friends. 99% of the ... | |
| Auto Accident Claims | 2/23/2009 |
| Q: I was driving on a regular road with a bike lane and 1 lane going in each direction. I crossed over ... A: I do not know if you are in a no fault state, all those issues are way too much to keep up with. It ... | |
| enes | 2/21/2009 |
| Q: and father had 2 accident in 2008 (car was totaled 2nd time but it was old car 1996 chevy lumina ... A: These economic times are tight, even for insurance companies. Insurance companies are looking for ... | |
| legal requirements of insurance carriers | 2/20/2009 |
| Q: is it legal for insurance companies to sell a liability insurance policy to someone with a car ... A: I don't understand the question. As for legality, it totally depends on the state, but my personal ... | |
| car accident | 2/13/2009 |
| Q: my son just had an accident and his car was totaled. is it best for him to get a lawyer for injury ... A: I will say this and there are many caveats because I know nothing about your specific situation, no ... | |
| Insurance company | 2/10/2009 |
| Q: Ok. I had an accident with a USAA insured driver and she was found guilty in court. Her insurance ... A: I guess my question to your latter comment would be; are you insured by USAA as well? I can only ... | |
| Car theft | 2/10/2009 |
| Q: In October of 2008 our car was stolen in Texas. It was recovered a few days later. The insurance ... A: , In my opinion, a professional locksmith should never be allowed to examine a reported stolen ... | |
| auto insurance claim | 2/9/2009 |
| Q: My problem is that my insurance company is giving me the "run-a-round". My vehicle had a roll over ... A: In over 20 years of dealing with insurance claims, I have never heard of the insured having to get ... | |
| ins claims | 2/9/2009 |
| Q: My neighbor's new Toyota scion "blew up" while parked behind mine. My entire back bumper, tail ... A: What an interesting argument! For those that think new cars are safer and not prone to fire, think ... | |
| Insurance company | 2/9/2009 |
| Q: Ok. I had an accident with a USAA insured driver and she was found guilty in court. Her insurance ... A: I realize that you don't want a legal answer, nor can I give such advice because I am not a lawyer. ... | |
| Claim period | 2/9/2009 |
| Q: How long do i have to file a claim? I slid in my driveway 2 months ago and hit my grnadfathers ... A: It totally depends on your carrier and their protocol. I have filed claims three months after an ... | |
| False Claim | 2/9/2009 |
| Q: I recieved a phone call from my landlord who told me that two of his employees saw me hit my ... A: It all goes back to proof. Is there paint transfer from your car to the other car? Is there any type ... | |
| car theft | 2/9/2009 |
| Q: My truck was stolen on Nov 7, 2008 it was recovered on Nov 8 2008. It is now Feb 9, 2009 I ... A: Here is the story. It does not matter if you had anything to do with the theft. Your claim has hit ... | |
| left turn accident..2 | 2/9/2009 |
| Q: I'm sorry but in the first question i forgot to add a word. My family was involved in a left turn ... A: That certainly sucks and I hate intersections like that. In fact, I will go straight a block by ... | |
| I hit some one....had no insruance till later that day. No injuries. Texas | 2/8/2009 |
| Q: First off let me say I am a foreign student in the USA. I just got a car on 6th evening from a ... A: I am not going to go into the responsibility speech because it is too late for that now. You should ... | |
| DUI collision, car towing | 2/6/2009 |
| Q: Back in Aug 2008, this drunk driver hit my car and due to impact my car landed in middle of street ... A: Illegal alien is one option I did not think about, that sucks! I was left disabled by a convicted ... | |
| car accient | 2/5/2009 |
| Q: my cousin who lives with me, wrecked my car. her license is suspended, so she is "excluded" from my ... A: Hy Lynn, I am not an attorney, nor can I give legal advice. With that said, I will answer your ... | |
| DUI collision, car towing | 2/5/2009 |
| Q: Back in Aug 2008, this drunk driver hit my car and due to impact my car landed in middle of street ... A: Isn't it nice how the cops help us? I would tell you to get in touch with the supervisor in the ... | |
| Auto insurance claim | 2/4/2009 |
| Q: I was hit at an intersection last July, totaled my car for which the other driver's insurance has ... A: I expounded earlier today to someone that appeared to be trying to settle their own injury claim. ... | |
| I need your opinion | 2/4/2009 |
| Q: 2 weeks ago i was driving down the highway and the car in front of me stopped suddenly, if i didnt ... A: I am not claiming to be an expert in this area, however you state you need my opinion. Unless there ... | |
| Injury Claim Settlement | 2/4/2009 |
| Q: My husband and I were injured in a car accident. It was the other driver fault. His insurance ... A: I am not an attorney and cannot give leagal advice, however I will address this on a personal level ... | |
| Car Engine water damage | 2/4/2009 |
| Q: My son drove his car on a snowy/rainy day.The state roadway was flooded and his car went through a ... A: We did repair on flood vehicles for insurance companies. In the situation you are referring to, yes, ... | |
| Rental Van Stolen after returned after hours | 2/2/2009 |
| Q: I rented a budget rental van on a Saturday, I asked the agent if I can return the rental van the ... A: Please do not construe my answer as legal advice. I am not a lawyer. This is how I would handle it. ... | |
| Special Investigations Unit | 1/30/2009 |
| Q: Recently when my claim was being settled, a special investigations unit adjuster called me ... A: Obviously, you don''t know what you are being billed for. You didn't state the type of doctor, but ... | |
| Don't want the car totalled. | 1/30/2009 |
| Q: I rear ended someone today but I love my car and don't want it totaled. I have collision coverage ... A: It has been my experience with the insurance industtry is that they don't want future problems. In ... | |
| Liabililty for road hazards | 1/29/2009 |
| Q: While driving on CA interstate 15 my vehicle was struck by debri after another vehicle ran it over. ... A: It has been my experience that states cannot be held resposible for anything. They cannot be sued, ... | |
| totaled car | 1/28/2009 |
| Q: This question is for my sister. Today her fiance totaled her car. She still owes 8,000 on it and her ... A: Your sister needs to speak with her agent or review her policy if the vehicle is covered. Secondly, ... | |
| Subrogation Claim Auto Accident | 1/28/2009 |
| Q: My son who is 20 was in an auto accident, it was his fault and he had no insurance at the time. ... A: I do not think you will like my answer here, but I have not been known to sugarcoat anything. I can ... | |
| how long till i get a check from ins co. | 1/24/2009 |
| Q: My cars were burned 2 months ago,I am covered for arson,i have to take a polygraph test next week ... A: Well Dan, Depending on the state and the insurance company, when the claim is under investigation ... | |
| release of claim | 1/23/2009 |
| Q: My friendsigneda release form whichis accompanied by a 1000 dollar check, which he has notcashed. ... A: I cannot give legal advise. I am not a lawyer. Normally, unless specified for other claims ... | |
| diminished value of vehicle from an auto accident (caused by drunk driver) | 1/23/2009 |
| Q: My husband stopped to help a motorist a few nights ago. He pulled in front of his vehicle, got out ... A: Here is a thought. I do not know if it will work for you, but it is worth a try. If you have ... | |
| i dont know what to do! | 1/23/2009 |
| Q: i sent u a question last night about my accident! ----------i was in a car accident today at about ... A: Normally I don't anser questions about collisions, but I will make an exception here. I am not a ... | |
| withdraw a claim | 1/21/2009 |
| Q: my question is my insurance co suspected fraud and they said i can withdraw my claim. what happens ... A: I think if you are referring to a theft claim, you need to go to the last link on the site ... | |
| insurance claim | 1/19/2009 |
| Q: I am a truck driver and used to park my car outside the yard whenever i pick up my truck. two ... A: Everything is suspicious to insurance companies these days. Its called delay, delay, delay. Isn't ... | |
| total loss | 1/15/2009 |
| Q: my co-worker was discussing an issue that occurred in her home. her son, was in an accident. the car ... A: Your co-worker's son has a real problem. You may suggest that he retain an attorney for legal ... | |
| Settling Auto Claim Outside Insurance | 1/12/2009 |
| Q: I was recently in an auto accident in Minnesota where my vehicle rear ended a vehicle at a stop sign ... A: Please keep in mind, I am not giving legal advice for I am not a lawyer. I will tell you what I ... | |
| Auto Theft | 1/9/2009 |
| Q: My car was stolen a month ago and the insurance company is still investigating it because my car had ... A: Here is the process. Unfortunately, many innocent insureds get caught up in this as well. The ... | |
| stolen car | 1/8/2009 |
| Q: My car was stolen on 12/15/08 and recovered the same day, the insurance company still has not sent ... A: It totally depends on many factors. Your policy should stte as to how long they have to rectify the ... | |
| Car break in at the gym | 1/8/2009 |
| Q: My car was broken in at the gym. Do I have to pay my (1000) dedectuble,will my rates increase? A: If your deductible for comprehensive is $1,000.00, yes. Comp (theft and fire) is usually not very ... | |
| auto insurance | 1/7/2009 |
| Q: i was involved in a accident can i use the repair shop of my choice or do i have to use the shop the ... A: The general rule is that you can have the vehicle repaired at the shop of your choice. Many ... | |
| truck wrecked | 1/5/2009 |
| 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 ... | |
| Rear End Accident-I was not at fault. | 11/19/2008 |
| Q: I was leaving my house on my way to work almost 2 months ago. I was completely stopped at the stop ... A: I want you to know I am not an expert in this subject, however I have been through the same gambit ... | |
| Fradulent auto repairs | 11/19/2008 |
| Q: I will try to keep this short. I was rear ended at no fault of my own while driving my older ... A: It does not sound as though your column is broken. It sounds like a typical GM problem in which the ... | |
| auto theft | 11/18/2008 |
| Q: A week ago yesterday i locked my purse up in my car with my keys in it. That night someone broke in ... A: Isn't it nice how your insurance company trusts you? You told them the story and they need "proof" ... | |
| vehicle damages embursment | 11/18/2008 |
| Q: If I was in an accident and it was proven to be the other driver's fault and their insurance sends ... A: It would depend on if you have a lien on the vehicle. If you own the vehicle free and clear, it ... | |
| PERSONAL WAGES | 11/17/2008 |
| Q: If I do not have sufficient automobile insurance to cover medical bills for the other driver and ... A: This is obviously not my expertise howver; I will give you some suggestions. It may be difficult ... | |
| Claim | 11/16/2008 |
| Q: Someone backed into my SUV, which damaged the brush guard, grill, bumper, fog lights, etc. The ... A: The brushguard is damaged. They are just paying you for that damage. The money is yours to replace ... | |
| leased car totaled | 11/14/2008 |
| Q: If you lease a car from a dealership and onl have it for a couple months then it becomes totaled and ... A: I am not a lawyer nor do I work directly for an insurance company. I do however anser a question ... | |
| rear ended, didn't get insurance | 11/13/2008 |
| Q: I was rear ended today while stopped in construction. The other driver got out in traffic so I did ... A: From the information you have stated, unfortunately, I don't see any hope in this instance. Even if ... | |
| policy limits | 11/13/2008 |
| Q: Can I force an insurance company to give me the policy limits and declaration pages of any ... A: It has been my experience that you can demand as much as you want, but in reality, the only way you ... | |
| Auto Damage :( | 11/12/2008 |
| Q: Yesterday I went to a plaza that is pretty close to where I live, meaning I go there pretty often. ... A: Please excuse me if I sound bewildered. You could look at this from a different perspective. What ... | |
| Comprehensive Claim | 11/12/2008 |
| Q: My car was keyed all around and my insurance sent an appraiser to determine the cost to repaint my ... A: Here is the problem. You might get caught and that may not be good. There is always the possibility ... | |
| follow up to another question | 11/9/2008 |
| Q: I asked a question the other day and got a great, prompt reply from Richard. I tried to ask a ... A: As I keep stating. I am not an attorney, but I think you might consider getting one just in case. ... | |
| follow up to another question | 11/8/2008 |
| Q: I asked a question the other day and got a great, prompt reply from Richard. I tried to ask a ... A: I am not aware of "Richard's background in the area of insurance claims. I am not an attorney nor do ... | |
| Damage claims | 11/6/2008 |
| Q: I have a complicated situation and think I am not being treated fairly by the at fault driver's ... A: I normally won't render my personal opinion on such situations. I am not a lawyer and cannot give ... | |
| additional insured | 11/6/2008 |
| Q: my aunt has agreed to lease her rv to a couple and they will take over the payments for 2 years then ... A: As I reinterate, I can not give legal advice and won't attempt to. In my opinion though, this could ... | |
| How they calculate for totaling | 11/4/2008 |
| Q: My car was involved in accident with fair amount of damages. My brother in law driving at that time, ... A: From my experience in repairing autos for insurance companies, the insurance company is the one who ... | |
Auto Insurance Claims
Answers by Expert:
Rob Painter, Ase, CFEI, CAFATE
Top Expert on this page
Expertise
Please remember. I am not an attorney and cannot legal advice. My answers are based on my experience due to litigation I have been involved in as an expert, for both insurance companies and while oposing them opposing them. I deal with only comprehensive claims on autos related to fire and theft. I have even had the opportunity to rewrite policy coverage language as it relates to vehicle theft and forced entry for insurance defense attorneys.
Experience
Experience in the area: Working with insurance companies and attorneys on these issues for over 20 years. It is very common to have a reported stolen car with a so-called factory anti-theft system to have the theft claim denied. I have served successfully as an expert witness in the courts across the US representing the insured and their attorney revealing that the insurance expert did not take all known theories into consideration before rendering their "Forensic" conclusion. Many insurance carriers us independent "Forensic" experts to examine reported stolen vehicles commonly using flawed methodology implicating the innocent insured with the theft. My job is to determine if the insurance expert reached his conclusions based on accepted scientific principals or just net opinion with no basis other than opinion. My case record against such experts is very compelling.My resume can be seen at the catagory "Auto Theft and Prevention." In "Forensics" the scientific method must be employed. In the forensic locksmith field determining how a reported stolen vehicle was last operated, many processes cannot be duplicated and are conveniently not addressed. If they were, juries would have the opportunity to make a fair and impartial opinion at least about what the expert could or could not prove. There is a purported process determining the last key used. The chances of determining such is very rare uless the key is found in the ignition lock. Experts commonly destroy evidence as well and are rarely questioned on this event. I reveal the weakness in their testimony on such instances.
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