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Auto Insurance Claims/Questions Answered by Expert Ron Cercone
| Subject | Date Asked |
| insurance cancellation notice | 2/10/2012 |
| Q: i was recently in a car accident, after the insurance company State Farm(which both of us had) ... A: Caleb, No competent lawyer is going to take your case on contingency unless your car is worth over ... | |
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: You can either turn it in to your insurance and let them argue in your behalf, or let them sue you ... | |
| Rental requirements for liable insurance company | 1/22/2012 |
| Q: If the other party's insurance company takes full responsibility for the accident are they legally ... A: Yes, they owe for the rental car "expense incurred" and/or "loss of use" as a claimant. But getting ... | |
| medical coverage and bodily injury claims | 1/11/2012 |
| Q: my wife just recently totalled her car with me as the passenger. She has $1000 in medical coverage ... A: If you could sue the driver for negligence, then you could get the pain and suffering. Now if you ... | |
| medical coverage and bodily injury claims | 1/10/2012 |
| Q: my wife just recently totalled her car with me as the passenger. She has $1000 in medical coverage ... A: Joe, My answers are "generally speaking" since I have not seen your declarations page. And I assume ... | |
| Reopen a UIM Claim | 1/6/2012 |
| Q: You mentioned in your Common Claim Questions FAQ page that it is against the law in California for ... A: Don't know exactly off the top of my head. But even 99.9% of claims adjusters and managers working ... | |
| Under insured claim | 12/14/2011 |
| Q: I was in a wreck with an underinsured driver, I settled with the at fault drivers insurance for ... A: If your medical bills were 31,000 and they only paid you 35K, you were were way underpaid if all the ... | |
| MY CAR IS A TOTAL LOSS | 11/1/2011 |
| Q: A drunk driver crashed into my parked car, and now the insurance company is deeming it a total loss. ... A: Michelle, It depends on the law in your ztate. They may have to include your name on the check. And ... | |
| Extremely minor fender bender in california, no damage done or police. Limited information exchanged | 10/31/2011 |
| Q: Question for you: I was a party in an extremely minor fender bender in California, if you could ... A: Well, if you don't want your friend involved and the other driver does not know your friends name or ... | |
| Auto Insurance & Road Service | 9/24/2011 |
| Q: I don't have a specific claim question, but there was no general auto insurance category. All I want ... A: View the "Recommended Insurers" page at http://www.insuranceclaimhelp.org . You can keep the AAA ... | |
| Loss of vehicle hit by drunk driver | 9/16/2011 |
| Q: Parked car hit by drunk driver (arrested at scene) - driver's insurer GEICO coming tomorrow. Car ... A: Paula, Get the car out of storage while you negotiate the claim so charges dont get out of hand. ... | |
| total lost | 9/15/2011 |
| Q: I had my vehicle stolen wheels were taken along with the stereo system the car was found burnt and ... A: Zach, Well first of all, for liability reasons, I say get an attorney to represent you. Use him as ... | |
| multi-car accident | 8/11/2011 |
| Q: I was involved in a 4-car accident. The traffic suddenly came to a stop on the highway. So, car 1 ... A: You tell #4 insurer that if they won't give you a transcript or tape copy of the other driver's ... | |
| Car Accident Claim | 7/13/2011 |
| Q: My wife was in a car accident and our vehicle was totaled. The at-fault party's insurance company ... A: They can only search "the local market area". So if you bought your vehicle 15 miles away, they ... | |
| turn around time | 6/29/2011 |
| Q: When must you report an accident at the police station and can an insurance comapny reject your ... A: First of all, read your policy. If says "give us notice of loss" asap or right away, or whatever, ... | |
| California Car Rental Loss of Use | 6/24/2011 |
| Q: My question involves insurance law for the state of: California I got into a single vehicle ... A: First, I say get a lawyers advice. That said, I read the code as saying you owe loss of use IF it is ... | |
| Insurance Claim | 6/23/2011 |
| Q: My mom and I purchased a car. She is the primary on the note I acted as co-signer. She passed away ... A: Don't know what you mean by "remaining balance", loan balance or balance of policy coverage term? If ... | |
| personal injury settlement? | 6/15/2011 |
| Q: i had my brakes changed at a shop. they admitted full liability. the mechanic failed to pump/bleed ... A: My first advice is to get an accidxent lawyer on contingency fee. If you wont do that, then consider ... | |
| Help | 6/14/2011 |
| Q: my daughter who is 16 and has only a driver permit drove a car that her friend who was staying at ... A: Talk to a lawyer in Florida. Even if there was insurance on the car, the insurer could try to ... | |
| car rental/ totaled car | 6/3/2011 |
| Q: Last week, a huge hail storm blew through Irving, Texas and smashed my car up pretty bad. I put in ... A: Taylor, I doubt it since they paid to "total" the car, not fix it. So in their minds, there should ... | |
| total loss of nissan maxima in tornado | 6/1/2011 |
| Q: WE HAVE A 2006 NISSAN MAXIMA WITH ALMOST 90000. MILES. OUR CAR WAS A TOTAL LOSS FROM THE MAY 22,2011 ... A: Jodie, Before I answer your question, I would ask that you contact Larry Boyd, the Market Manager ... | |
| insurance claim | 5/30/2011 |
| Q: im costumer with state farm i had claims for flood in 2008 and 2009 i have fixed the problem for ... A: Most insurers will either or both raise deductible and premium or non renew the policy and only give ... | |
| Auto Accident 3006 Toyota Corolla | 4/17/2011 |
| Q: I was rear-ended last week...there is significant damage to the rear and read side of car, under car ... A: You are still entitled to the value of the car you had, GAP or not. If you get lowballed get the ... | |
| gap& full coverage | 4/14/2011 |
| Q: I got into a car accident today and my. Car was totaled. Failure to yield. I Have. Full coverage nd ... A: Yes, but to insure you don't get "lowballed" get the eBook "Total Loss Auto Advice" at ... | |
| car was totaled | 3/24/2011 |
| Q: I was hit by a guy who failed to stop at a stop sign. I'm still waiting for the police report to be ... A: It depends on how you purchased the vehicle, from dealer or private party and distance. But ... | |
| buying totaled vehicles | 3/16/2011 |
| Q: how do i go about buying totaled vehicles in my area A: As far as getting the insurance claim adjusters to call you, just contact them and tell them you ... | |
| Salvage Retention | 3/9/2011 |
| Q: I live in Georgia. My car is a total loss. My insurance will not let me keep the salvage if though ... A: You are right, they can't take your car away. However they can make a deduction for salvage value. ... | |
| Insurance won't pay, now I'm getting sued :/ | 2/25/2011 |
| Q: I recently was in Moscow, Idaho visiting some friends when I was asked to drive a friend's truck ... A: I think a judge would say yes, but you have nothing to lose by going to small claims court. You ... | |
| Insurance won't pay, now I'm getting sued :/ | 2/24/2011 |
| Q: I recently was in Moscow, Idaho visiting some friends when I was asked to drive a friend's truck ... A: your friend would have to prove you were negligent, and if the only evidence was testimony, then ... | |
| UIM Claim | 1/18/2011 |
| Q: I am awaiting my auto insurance's decision on an UIM claim that I am involved in and I have a very ... A: I would agree that that they probably owe the policy limits of 500k. As to the bad faith part if ... | |
| is it possible to change insurance with a possible law suit coming | 1/12/2011 |
| Q: I caused an accident because of a medical issue which in turn my car and the other car were ... A: Yes, you can change or cancel. They must still defend and pay, even if it takes years. Fyi though,it ... | |
| Unlicensed driver driving my vehicle | 1/11/2011 |
| Q: I just had a friend of mine get into an accident in my car. He is illegal and unlicensed. He was ... A: Tony, If you have collision coverage, I'm sure your own insurance will cover your cars damage. I ... | |
| total loss, two estimates | 12/30/2010 |
| Q: I live in Michigan and am insured with Progressive. In late September I had a car/deer accident. I ... A: Well you can't have it both ways. You can keep the car and repair it with the additional $200, or ... | |
| loss of use on a totalled vehicle | 12/22/2010 |
| Q: I was in a wreck where I suspect my car will be totalled. The insurance company is telling me that ... A: They are jacking you around in every way. And they will also probably lowball the value of your ... | |
| Auto Accident Settlement Amounts | 12/20/2010 |
| Q: I was in a rear-end auto accident on the freeway in May 2010. My car was totaled and the other ... A: First of all, make sure you have the 8k offer in writing. Then either file a small claims action, ... | |
| new agent | 12/17/2010 |
| Q: .maybe you can tell me how to go about doing this. my shelter agent is lazy, and has been for years. ... A: All you can do is get references from other people about who they use. Call the agent with questions ... | |
| totaled explorer | 12/16/2010 |
| Q: My Explorer was totaled in a fire at a auto repair shop. Their insurance company is the one's that ... A: Well then make them prove that they paid the full $30,000 on other customers cars and that you got ... | |
| total loss | 12/9/2010 |
| Q: First, Thank you for your time. I know you can answer based only on the info I provide, so to keep ... A: 1. Yes, if it was willfull, malicious and the other legal stuff that goes with that. 2. Yes, if you ... | |
| Unlicensed driver not at fault | 11/17/2010 |
| Q: An unlicensed driver borrowed a vehicle and was driving in washingtn state, a vehicle that was ... A: The rear car at fault should pay for everyones damage, unless there are laws in your state limiting ... | |
| total loss claim | 11/16/2010 |
| Q: 2001 Nissan Altima keyed ever were on vehicle. adjuster said it was totaled due to cost. how do I ... A: Chery, simple question but not a simple answer. For a detailed discussion on how not to get ... | |
| Car Accident | 11/15/2010 |
| Q: My son was in a small car accident and got a ticket. The damage was only $350.00 the other person ... A: If it was me, I would not turn it in to insurance. And it would probably not be covered anyway if ... | |
| Vehicle Salvaged - Ins. Co about to drop me | 11/11/2010 |
| Q: My car was involved in Hail Damage and has been deemed Salvaged by the insurance company, they paid ... A: First of all, consider getting the eBook Total Loss Auto Advice for Insureds at UClaim.com to answer ... | |
| Insurance w/ stolen vehicle that was totaled | 11/8/2010 |
| Q: I have a question I hope you can answer. My car was apparently stolen and totaled. A police office ... A: Well, I think you are innocent until proven guilty. I guess a judge or jury would have to believe ... | |
| total loss claim | 11/1/2010 |
| Q: I have a question in regards to a total loss claim. We had purchased a Lexus 07 450h that was ... A: Salvage title should not reduce valueover 10 percent in my opinion. You should get written opinions ... | |
| eou | 10/30/2010 |
| Q: do you have to take the eou test?? A: Yes you have to give the EUO if they demand it. The insurers lawyer will try to trip you up and rip ... | |
| Claim Reporting | 10/28/2010 |
| Q: I have loss some receipts for my modifications, some of the mods were bought at shows or swap meets ... A: Mike, Unless your policy or endorsement says you have to maintain receipts, then your only duty is ... | |
| Commercial vehicle in a sandwich accident, party at faults' insurance carrier wont respond | 10/21/2010 |
| Q: I have had to make a claim on my own policy as the faulty partys carrier has not responded to my ... A: Regarding loss of use, you will have to get that from the other drivers insurer if they accept ... | |
| Accident Claim | 10/15/2010 |
| Q: I was in a car accident yesterday, I was declared at fault by the highway patrol officer and I ... A: Justin, no they don't pay more because of the state of the economy. And people like your gullible ... | |
| total loss on stolen found car | 10/3/2010 |
| Q: While in hospital psych inpatient 2 days ago. I agreed to a favorable settlement, 60% after rec'g ... A: Don't sign a release unless it is a written partial release. I think they should pay you the full ... | |
| total loss | 10/1/2010 |
| Q: my 1995 volvo 940 wagon was hit while parked. driver was charged. her ins. co wants to total my car ... A: Tom, Yes, but make sure you don't don't sign a release, and if the check says release or similar ... | |
| Auto Accident | 9/29/2010 |
| Q: My husband was in an accident where he was hit by another car. The occupants of the other car bailed ... A: If you have your own insurance, turn it in to them and let them collect your deductible back. And ... | |
| trying to collect for transportation services | 9/16/2010 |
| Q: We are a limousine/transportation services company in MI. We have recently taken on a job for a ... A: Patti, Legally they don't have to pay unless there is a court judgment. However they often pay some ... | |
| Salvage Retention | 9/14/2010 |
| Q: An insurance company has offered to accept liability for the damages to our vehicle. After ... A: John, Yes, you have a say, legally. But it is a chess game and you are being maneuvered. Would you ... | |
| Storage fees | 9/11/2010 |
| Q: I was involved in an auto accident and had liability coverge only. The person who hit me was at ... A: If they had completed their investigation and made a reasonable offer in 3 days on the car part of ... | |
| uninsured motorist insurance | 8/21/2010 |
| Q: My daughter was in an accident in Florida and her car was totaled. We received about $9800 for the ... A: Well, you can't use "the other part" if you sign a release. You did not say what the amount of your ... | |
| after a fender bender | 8/11/2010 |
| Q: I live in WV. I was rear ended today. I was stopped at a red light (yield sign). There was a car in ... A: The party behind is always at fault in a rear end collision. Make the claim with her insurance or ... | |
| auto collision:small calims court | 7/23/2010 |
| Q: Oakland, Ca: I entered an intersection on a yellow light. I never saw it turn red. I was broadside ... A: Sue the vehicle driver and the company who owns the car and the policy holder, if different, and let ... | |
| In accident with dumptruck. Owner wouldnt give me there insurance carier info. | 7/21/2010 |
| Q: A dump truck damaged my vehicle in an accident. The company who owned it promised(verbally)to pay ... A: David, Ask the small claims clerk how long you have to sue for property damages in Utah. Then refile ... | |
| Stolen Bike | 7/13/2010 |
| Q: I had a dirt bike, which had no insurance legally stored (paid in full in advance) at a motorcycle ... A: The shop owner is lying IMO. Why does he not show you the policy? He should turn it in to his ... | |
| 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: Debbie, Two months??? There must be more to this story. If there are no injuries, a lawyer will ... | |
| Which insurance company to file through? | 7/4/2010 |
| Q: i was recently involved in an accident where an individual ran a red light and hit the front end of ... A: Submit to both to see who offers the best deal on the vehicle value if its a total loss. If ... | |
| Total Loss Settlement Right Of Recourse | 6/30/2010 |
| Q: Cercone: My vehicle was deemed a total loss by Insurer and I cannot purchase a comparable vehicle ... A: Don't worry about the 35 days, its just a silly statute telling them what they have to do anyway. ... | |
| Total Loss | 6/15/2010 |
| Q: I was recently rearended while stopped at a red light. My car was declared a total loss - 2004 ... A: Joan, Yes there is plenty you can do, but I can't possibly answer this in a paragraph or two. Plus ... | |
| Total Loss and Duty of Rental | 5/30/2010 |
| Q: I have often heard that the liable carrier owes innocent party a reasonable rental... in the case of ... A: Cbruno, The "authority" is whatever you would be reasonably likely to recover in a lawsuit or in ... | |
| moose . | 5/17/2010 |
| Q: I was Driving my car on the main highway and hit a moose , the moose came out of the woods like a ... A: Ryan, I'm an insurance claim expert, not an agent or underwriter. This is a better question for your ... | |
| what do i do? | 5/5/2010 |
| Q: My son took my car without my permission and scraped the corner of a parked car. I just got the ... A: Rich, Look at the definitions for "insured" and "family member" in your policy at the front and in ... | |
| stolen vehicle claim | 5/3/2010 |
| Q: Our stolen vehicle was rcovered by the police after the insurance settlement was received and bank ... A: Ali, If you already gave them the title, then its theirs, IMO. But check with a lawyer. You can ... | |
| at fault accident | 4/24/2010 |
| Q: In November 2008 my then 19 year old son was involved in an auto accident. He admitted ... A: Mary, If you have not turned it in to your own insurance, then you better get an attorney to advise ... | |
| funds held in a trust | 4/23/2010 |
| Q: I was involved in a accident being rear ended in July of 09, my insurance carrier State Farm ... A: Tim, For liability reasons, I suggest you not take my opinion as "legal advice" or the last word. ... | |
| auto insurance | 4/22/2010 |
| Q: A car hit my car and total it. Do my insurance and the other party who was at fault have to pay me ... A: Candy, While you can turn in the claim to both insurance companies to see who will offer you the ... | |
| Am I entitled to recover the money I just put into my vehicle? | 4/14/2010 |
| Q: My vehicle was parked and was hit by another vehicle. My vehicle suffered a tremendous amount of ... A: Evie, Money spent to maintain a car is not added to a settlement. Your only hope will be to just get ... | |
| Car Fire | 4/13/2010 |
| Q: Cercone I had a fire wile performing routine maintenance to my vehicle. The insurance company ... A: Jeff, They are trying to show that you had a financial motive to burn your car. While you may have ... | |
| Virginia 95 pristine Nissian Maxima | 4/10/2010 |
| Q: A person hit in it while parked and State Farm has admitted the "at fault" claim. Kelly BB shows ... A: Doug, Adjusters will screw you in any state. All I can tell you is that if you get lowballed, get ... | |
| Financial responsibility | 3/29/2010 |
| Q: We were driving back to campus and my friend was driving my car, I think she fell asleep because it ... A: If your friend was negligent and you were uanble to stop her from driving your car, then you may ... | |
| Being sued...2 years later... | 3/22/2010 |
| Q: Son was in an accident 2008 and his car is insured under me and my husband. He was found at fault ... A: Well if your insurer really settled the claim with the other party, then they should have gotten a ... | |
| recovering auto claim | 3/16/2010 |
| Q: I was involved in a car accident in which the other party failed to yield crossing a two way street ... A: Before you go to small claims court, ask them what you should have done to avoid the accident. If ... | |
| Total loss or no? | 3/12/2010 |
| Q: I got in an accident recently, and the verdict was mostly the other person's fault. I took my car in ... A: They are jacking you around. First ask them what their total offer is if they take the car, so you ... | |
| Car wreck - HIPPA Medical Release Authorization | 3/11/2010 |
| Q: I need some advice. I was in a accident on 12/22/09. I went to urgent care on 12/23/2009. Doc said I ... A: Well is it normal to ask for medical and wage authorizations. But you can read this as well as I can ... | |
| Truck, flatbed trailer and boat accident. | 3/10/2010 |
| Q: A friend came over to help up with a grading project. He brought over his tractor on a 16ft flatbed ... A: Lynne, You have not given any "specific" reasons as to why the insurer is denying the claim. for ... | |
| Car Accident/Insurance | 3/9/2010 |
| Q: We insured a new car, but after accident they tell us we aren't insured. I had 2 cars insured, 1 ... A: Brenda, Did they cash the checks you paid for premiums? Did they give you a refund if they ... | |
| license suspension and release form | 3/6/2010 |
| Q: I was involve in an accident last year. It resulted to damage to 2 cars amounting to $6000 for one ... A: Well, here is a new thought. If you were driving without your parents permission, then your parents ... | |
| license suspension and release form | 3/5/2010 |
| Q: I was involve in an accident last year. It resulted to damage to 2 cars amounting to $6000 for one ... A: I'm pretty sure that all family members who are going to be driving have to be named on the policy. ... | |
| rental car reimbursement | 3/1/2010 |
| Q: Mr.Cercone, I was involved in a no-fault accident and my car took almost 2 months to get back from ... A: Tim, As long as its the other guys insurance, they owe the rental car for as long as it takes, and ... | |
| Personal+injury+claim | 2/26/2010 |
| Q: I+was+involved+in+a+metrobus+accident+where+someone+hit+the+bus+from+behind+while+standing+at+the+fr ... A: John, Well, I think it would be the car insurance and not the bus insurance you go after. But check ... | |
| Total loss auto accident involving only my car | 2/25/2010 |
| Q: I was in an accident with my 2005 Escape a couple days ago where I slid off the road and into a ... A: Courtney, Your car value will be the same whether it was a solo accident or with another car. They ... | |
| unlicensed driver in accident | 2/23/2010 |
| Q: I was recently in a 5 vehicle accident in Va. The driver charged with "failure to maintain control" ... A: Yes, the girlfriends car insurance should cover your damages, unless Virginia is a "no fault" state ... | |
| auto accident | 2/19/2010 |
| Q: My daughter was in an accident the other driver was ticketed never showed to court. Paid the fine no ... A: See what the judge says about the fault percentage and get a written statement from your insurer ... | |
| car fire | 2/18/2010 |
| Q: I was driving my kia Rio when it filled with smoke and started on fire around the fuse pannel and ... A: Kerrie, If the car is in a shop awaiting appraisal, call the shop and ask why the delay. And if ... | |
| financial reimbursment for my totaled truck | 2/16/2010 |
| Q: My 94 Dodge truck was hit from behind and the insurance company the vehicle that hit me totaled my ... A: Dale, You may have to take them to small claims court. It is unreasonable and possibly illegal in ... | |
| Total Loss | 2/11/2010 |
| Q: I was made a 3rd settlement offer that the insurance company stated that they used my comparables ... A: Well you learned the first lesson - adjusters can lie. Now you have to destroy their CCC valuation. ... | |
| Auto damage claim | 2/10/2010 |
| Q: I have two seperate claims from others hitting my car when it was parked. The insurance company made ... A: Gera, Well, if the lienholder is not asking for money, see if they will sign off on the checks. And ... | |
| Total loss value | 2/5/2010 |
| Q: Saturday i was hit in the passenger side by a lady who ran a stop sign. the lady admitted fault and ... A: Frank, Progressive can't take depreciation off of an existing market appraisal which "includes" ... | |
| INSURANCE RESPONSIBILITIES | 2/4/2010 |
| Q: I was wondering if you could explain to me the responsibilities of both the insured and a claimant ... A: Short question but way too broad. Make a claim both ways at the same time and see who offers the ... | |
| Auto Theft | 2/3/2010 |
| Q: I have been with progressive for over 7 years and have not had any claims or problems. On Jan 2, ... A: Star, Well your adjuster is wrong in comparing the trans going out when you loaned the car to going ... | |
| Total Loss Salvage car | 1/30/2010 |
| Q: My car was hit by somebody whose insurance has claimed total loss on my car, but when I got the ... A: Steve, The other insurer does not have to take your car, although if they pay you the fair value of ... | |
| INSURANCE OFFERS | 1/29/2010 |
| Q: MY CAR WASHIT WHILE PARKED. OTHER DRIVERS INSURANCE SENT OUT ADJUSTER. HE ESTIMATED REPAIRS FOR ... A: Dolores, The insurer can pay whichever is less, the repair cost or the value of the car less ... | |
| Auto Insurance Claim | 1/28/2010 |
| Q: My vehicle got severe hail damage. After meeting with an insurance adjustor I was sent an initial ... A: Well in my opinion your name should have been added to the check. But no matter, you have not signed ... | |
| Auto insurance claim | 1/26/2010 |
| Q: What can i do? On March 20/2007 i was in a accident with a city police man. I had insurance with ... A: Turn it in to both insurance companies and see who offers you the most. Your own insurer will get ... | |
| Parking Lot Accident | 1/24/2010 |
| Q: The accident happened in the parking lot of my work (Tim Horton's). It was 6 am, I just got off ... A: Amy, Unless you have a witness, your story will mean nothing to most adjusters, since it's your ... | |
| insurance check. | 1/22/2010 |
| Q: I had an accident in Aug.could not afford ded. at the time..didn't get the car fixed, but did get an ... A: Jane, Well I'm a little lost, but here goes. If you get the car fixed, then the credit union has to ... | |
| Total loss vehicle | 1/21/2010 |
| Q: Ohio, my 1996 mustang was hit as i was sitting at a preflight. the other driver was making a left ... A: Walter, If any of that 1600 was spent on maintenance stuff like new alternator, battery, tires or ... | |
| repair shop totaled my car | 1/20/2010 |
| Q: I had a 2003 Neon that was in extremely good condition, but with high miles. I took it in to a shop ... A: Juli, It's not comparable in my opinion. Now if you find other 03 Neons with different options, ... | |
| Claim Settlement.of Loss of Property | 1/18/2010 |
| Q: May 15, 2009 I was in a collision, where the other party admitted and was found liable. As of today, ... A: Douglas, Believe it or not, your refusal to cash a check does nothing to pressure an adjuster to ... | |
| bent frame | 1/16/2010 |
| Q: my mother was in an accident. its a 2008 car. did $8000 in damage. it was hit in the front tire on ... A: Yes they can replace pieces of the frame. In fact it also acceptable to repair/straighten the frame. ... | |
| loss of car / unfair offer | 1/8/2010 |
| Q: In December of 2009 my husband was rear-ended and his car is a total loss. The other person was at ... A: Louise, The value of used cars has even gone up in this bad economy, so even KELLY and NADA may be ... | |
| undisclosed driver possible | 1/6/2010 |
| Q: back on november 17th my daughter was involved in a head on car crash that was not her fault. The ... A: If the sisters insurance does not cover all your damages, then sue the brother driver. If they ... | |
| Hit by car | 1/5/2010 |
| Q: I was in a car wreck about 2 months ago, and the insurance company is doing an investigation on my ... A: Unless they suspect your boss of fraud, the notarized letter should be ok. If it goes to litigation, ... | |
| Fire Damage | 1/4/2010 |
| Q: Yesterday, I took my car 1999 Porsche Carerra 911 to a prospective buyer to sell. He and his friend ... A: Yes, it should be covered. They may be stalling to see if their investigation can show that you ... | |
| flood damage to my car | 1/1/2010 |
| Q: Car was involved in a flash flood on 12/17 in South Florida.The car stood in over 4 feet of water ... A: Harvey, Your car is a total loss if it sat in water for 4 hours, period. Geico cannot guarantee ... | |
| Partial Settlement | 12/31/2009 |
| Q: I put in a claim against Mercury. They said it was 50/50 and would only pay partially. After a ... A: Tony, Then why not turn it in to your own insurer, get 100%, then let your insurer collect back all ... | |
| auto liability damage settelment | 12/30/2009 |
| Q: auto adjuster from Cialifornia uses autosource valuation to settle my claim at 15,400 for my auto. ... A: Danny, You will rarely get the adjuster to come up by using Kelly book or another valuation method. ... | |
| Recourse against other insured for total loss | 12/28/2009 |
| Q: One of my cars was legally parked, and hit by another party. A police report stating such was made. ... A: Keith, There are several courses of action you can take, all of which depend on things like who ... | |
| Total Loss - repairs | 12/26/2009 |
| Q: I was not at fault I was hit at intersection by a vehicle that was speeding down the wrong way ... A: Joey, The vehicle damage or value should be paid separately from the personal injury claim. Make ... | |
| Rear ended | 12/23/2009 |
| Q: I was rear ended after merging to an exit lane on a busy metro Atlanta (GA) highway. There was heavy ... A: Jessica, Sorry for the delay, been on vacation with no internet. Let your company handle your ... | |
| Auto Accident | 12/22/2009 |
| Q: My husband who is physically challenged due to muscular dystrophy met with an accident on June 18th, ... A: Your husbands claim will be worth between 2 and 4 times the amount of the medical bills and lost ... | |
| help! | 12/18/2009 |
| Q: someone crashed into my car (they went into the back of me). I have their details and the name of ... A: No, unless you live in a "no fault" state. Only a few states have "no fault" insurance laws, which ... | |
| unique situation | 12/17/2009 |
| Q: i was in an accident dec 17, in a truck insured by me, but owned by my grandmother. we were in the ... A: Jason, All that matters is that the truck described on the declarations page is the one that got ... | |
| Auto Accident minor damage major medical issue | 12/15/2009 |
| Q: A friend of mine was in an auto accident, rear ended by a trucker. She was the driver and the car ... A: Cathy, Well considering the minor damage, your friend will probably not prevail on her own. She ... | |
| hauling tandem trailer full of furniture | 12/9/2009 |
| Q: we were hauling furniture on our one of those i guess maintenance trailers ,duel wheels, teated ... A: I don't think there is any question that the old man was at fault. Its just that in your state you ... | |
| loss of wages | 12/6/2009 |
| Q: I was recently in an auto accident that was caused by the other driver. I suffered an injury that ... A: Kara, IMO, they don't have to make any payment on your injury and lost wages claim until you are ... | |
| 2 insurence companies 2 stories. | 12/3/2009 |
| Q: Ill start by telling you the situation. My car was tboned recently and it was no fault of my own. ... A: Josh, 1. You will have to ask your insurer about the gap question. 2. I don't care what some ... | |
| Accepting a Settlement | 12/2/2009 |
| Q: A few weeks ago, I was rear ended while stopped at a red light. We called the police, a report was ... A: 1. Compare the two estimates from that same shop in detail and see where the difference is. You ... | |
| Guy lied to his insurance company | 12/1/2009 |
| Q: Greetings. I was recently involved in a car accident where the other party hit my front driver side ... A: 1. Exactly what did you do "to avoid further damage that caused damage to your tires"? How does ... | |
| Accident with a previously total loss vehicle | 11/28/2009 |
| Q: I was at fault with a vehicle which I hit the tire and busted the tire and the hub cap and bent the ... A: If you turned in the claim to your insurer, then let them settle the loss with the other driver and ... | |
| Totaled Car/Other Driver 100% Liable | 11/25/2009 |
| Q: My 96 Explorer deemed a total loss on 11-18-09. Other driver & myself have same insurance company. ... A: Pam 1. Rental car - they owe you for as long as it takes for them to pay you a "fair" settlement on ... | |
| total loss claim | 11/24/2009 |
| Q: i was in accident, other driver ran stop sign, he was in rental car, didnt have insurance said it ... A: I think the law of the state where the accident occurred prevails, but you can double check this ... | |
| Lied | 11/23/2009 |
| Q: how can I get help when someone lies to their insurance company about an accident they caused and no ... A: Deb, If neither of you has any evidence of who was at fault, then it's your word against the other ... | |
| Partially denied claim | 11/20/2009 |
| Q: My wife was in an accident. The other driver turned out in front of her and was given a citation. ... A: It sounds like your claims department thinks she is half at fault. So find out why they say that and ... | |
| insurance claim | 11/19/2009 |
| Q: I bumped into a car that had stopped directly behind me while I was backing out of a parking spot. ... A: Well unfortunately your policy says once you turn in the claim, your insurer has the right to settle ... | |
| bicycle accident | 11/12/2009 |
| Q: First-thank you for your time. I had a bicycle accident in Jan. of this year. A fencing company ... A: This is why you need an attorney. This is not a simple "soft tissue" injury claim. A good attorney ... | |
| no fault auto accident | 11/10/2009 |
| Q: My wife and I were stopped at red light and was reared by a pickup going Lapp 50 miles hr. We both ... A: Between 2 and 4 times the medical bills plus other stuff. A lawyer can make the difference between ... | |
| Total Loss Not at Fault, who pays and when? | 11/9/2009 |
| Q: Ron, I was a passenger in my car when an 18 yr old made an illegal U-turn, failed to stop at Stop ... A: "Work the claim" with both your insurer and the other drivers insurer and see who gives you the most ... | |
| claim time frame | 11/8/2009 |
| Q: My car was stolen, I filled out all of their required paperwork, filed the police report and it has ... A: While the "Fair Claims Practices Regulations" (available at the DOI website)have time limits to ... | |
| Trailer damaged in accident | 11/7/2009 |
| Q: I was involved in an accident that totaled my car and bent the frame of the trailer I was towing. ... A: Didn't have time to read all your "long winded story" (forums are not good for too much detail), but ... | |
| loss of use | 11/6/2009 |
| Q: I was without a vehicle for 45 days, and now the insurance company is offering me $10 a day for loss ... A: If this is a claim against the other drivers insurer, they owe you what it would cost to rent a car ... | |
| Auto damage | 11/5/2009 |
| Q: My car's rear end was hit my another lady's rear end in the parking lot. I believe that the other ... A: My gut says take the 60%. Unless you know that the other driver is admitting 100% fault, parking lot ... | |
| I was in a car accident | 11/4/2009 |
| Q: I was in a minor accident someone backed out into me... I am 8 months pregnant, I went to the ... A: First of all, run this by an "accident attorney" (plenty in the yellow pages). If you have no claim, ... | |
| I don't know if my car is totaled or not | 11/3/2009 |
| Q: The problem is I was in a auto accident on Sept 21 2009 and a couples of days later I got a letter ... A: For starters, tell the insurer you want an "agreed" and "guaranteed" cost of repairs with your body ... | |
| Salvage vehicle | 11/2/2009 |
| Q: I will be purchasing a 2002 TahoeXL that is salvage i would like to know if in an accident again ... A: I would expect a 10% deduction in ACV from a "reasonable" insurer and 50% from a "low quality" ... | |
| Rear ended | 11/1/2009 |
| Q: We were stopped on the freeway and were rear ended by a group of teenagers. They asked us if they ... A: Lyndsay, These are separate issues. The fact you were without insurance does not excuse the teens ... | |
| got injured in accident | 10/31/2009 |
| Q: i got in accident last week. i was with my friend in his car. he was the driver. he hit other ... A: If he has "Medical Payments" coverage it will cover your medical bills up to the policy limits. And ... | |
| Got hit on the side. | 10/30/2009 |
| Q: I was driving straight on a road and another car came out of a shopping mall and hit the side of ... A: Well now you know why its a good idea to call or wait for the police to come out. People can change ... | |
| rear-ended NOT at fault- totaled car. | 10/27/2009 |
| Q: I was rear ended at a red light. The at fault driver takes full responsibility. The problem I am ... A: Regarding the claim for the value of your car, get the eBook at UClaim.com entitled Total Loss Auto ... | |
| rear-ended/deductible | 10/26/2009 |
| Q: I was rear-end and a police report was made stating that. I have a deductible of $500 and neither ... A: Well your insurer is supposed to get that $500.00 back for you from the other insurer or driver, ... | |
| claims for injuries sustained | 10/24/2009 |
| Q: If the cost of injuries sustained in an auto accident caused by another,(who also was impaired while ... A: I would say yes under Med Pay and Underinsured motorist coverage. Look at your declarations page to ... | |
| What claim form | 10/23/2009 |
| Q: My daughter was driving my car and was hit by another and I am about to sign a release of all claims ... A: Brent, It's a dog eat dog world in insurance claims. If you don't have a lawyer or a book on ... | |
| Question | 10/22/2009 |
| Q: I was driving a 2009 Honda Accord in NYC on a 2 way street where one lane goes each way with a ... A: Guang, I suggest you turn in the claim to your own insurer and let them try to collect back from ... | |
| Curbed My Ex's Vehicle While Learning How to Drive | 10/20/2009 |
| Q: I'm a 23 year old student driver with a permit, and I hit a curb on the drivers side of my ... A: Well, if she does not want her insurer to deal with you, then she will have to try to get more money ... | |
| Question | 10/19/2009 |
| Q: I was driving a 2009 Honda Accord in NYC on a 2 way street where one lane goes each way with a ... A: Guang, I don't know what "No Good Pay" means. If you are saying that the other driver's insurance ... | |
| Rear Ended | 10/16/2009 |
| Q: I rear ended someone but here is the situation. I was next to HOV lane and the HOV lane was ... A: Without witnesses or other proof, a car that rear ended another car is usually 100% at fault. That's ... | |
| Step-son got a DUI in our Company Truck | 10/15/2009 |
| Q: My step son received a DUI last night while driving our company vehicle insured on a fleet auto ... A: You will have to double check this with your agent since this is only my guess. If your son was not ... | |
| canceled policy | 10/14/2009 |
| Q: My daughter canceled a policy on a car that her and her husband had. I had cosigned the loan on the ... A: First read the policy about cancellation provisions and about who is an insured. Also read the loan ... | |
| Insurance and a totaled car | 10/12/2009 |
| Q: In the state of georgia can a insurance company send you a letter stating your care was totaled,send ... A: Well, your attorney should tell you that they cannot change their mind after they already told you ... | |
| Total Loss agreement price | 10/9/2009 |
| Q: I am trying to negociate a fair value of my car with both insurance companies in an accident were I ... A: Don, Since the law does not specify how many miles is "local" then that magic word and concept in ... | |
| comprehensive claim | 10/8/2009 |
| Q: On a comprehensive claim check made out to me and the lien holder for hail damage to a camper, can ... A: They should not do that unless you tell them to. However they could refuse to sign the check if you ... | |
| stolen car | 10/7/2009 |
| Q: my car was stolen on September the found later that day. the inside was completely ruined and all ... A: You might be able to get it totaled out if it is close to a total. If the repair cost is 80 to 90% ... | |
| Auto accident without insurance | 10/6/2009 |
| Q: I was without insurance and in an accident. The other party smashed into my truck in the middle of ... A: Sonya, I'm not an expert on liability, but I suspect that the other driver, and his representative, ... | |
| Total Loss agreement price | 10/5/2009 |
| Q: I am trying to negociate a fair value of my car with both insurance companies in an accident were I ... A: If you bought your car from a dealer, you are entitled to replace at dealer price. However you are ... | |
| Total Loss Accident in CA | 10/2/2009 |
| Q: My car was totaled after a driver attempted to pass me on a wet road and loss control. CHP report ... A: Don, You have to "incur" the rental car expense in order to get reimbursed by Farmers. This is one ... | |
| Hail damage to paint | 10/1/2009 |
| Q: It hailed in May 09 and left a few visible dents in my black ford explore. In Sept. 09 I noticed ... A: This is very unusual and most insurance adjusters would not know of a "professional paint company" ... | |
| Auto policy insurer has died | 9/29/2009 |
| Q: Does Full coverage insurance pay off the vehicle of the owner if he or she dies with a remaing ... A: No, most auto insurance is for theft and physical damage to the vehicle. You can check with an ... | |
| Possible total loss claim | 9/28/2009 |
| Q: I was recently in an accident that caused significant damage to my 1991 Mercury Grand Marquis. It ... A: Greg, Please send an email to info@uclaim.com regarding your situation with your claim. Greg, ... | |
| Possible total loss claim | 9/26/2009 |
| Q: I was recently in an accident that caused significant damage to my 1991 Mercury Grand Marquis. It ... A: While I am sure that you have learned allot, the fact that you are seeking to go to appraisal tells ... | |
| Low ball settlement offer | 9/24/2009 |
| Q: While driving north bound on a hwy, a vehicle came across the median from the south bound lane and ... A: If you cash the check, make sure there is no release on it. If there is, just line it out, initial ... | |
| auto accident | 9/22/2009 |
| Q: We were recently in a car accident. The subframe of the car was bent. The insurance company wants to ... A: Yes it is safe, if it is done properly. If you question a particular shops repair quality, you could ... | |
| Seizure | 9/21/2009 |
| Q: My daughter's vehicle was recently struck in an accident. The person causing the accident had a ... A: Thought I answered this before, but will try again. If having a seizure while driving a car is not ... | |
| insurance company investigating a claim | 9/20/2009 |
| Q: Recently in July, I made a claim on my car "fender bender" only to find out my policy was ... A: All you can do is pressure them by insisting they put their final decision in writing, either they ... | |
| insurance company investigating a claim | 9/19/2009 |
| Q: Recently in July, I made a claim on my car "fender bender" only to find out my policy was ... A: Well, they think you fabricated this accident, because it is a coincidence that the circumstances ... | |
| Is it true no structural damage, no DV? | 9/18/2009 |
| Q: this question is regarding to the diminished value in Georgia. About 20,000 mileages vehicle was ... A: 1. I would not waste my time on fighting this. If you did get DV it would not be over 10%, which on ... | |
| total loss claim value | 9/16/2009 |
| Q: My vehicle was a total loss. I've checked with autotrader.com to see what my car is worth. ... A: You won't get a true valuation of your vehicle on the internet with autotrader or Kelly or NADA ... | |
| demand letter | 9/15/2009 |
| Q: I was involved in an accident where the other party was at fault. My vehicle was totaled. The other ... A: It sounds like they want to get sued. As long as your medical bills are legit, then you should be ... | |
| illegal alien accident | 9/14/2009 |
| Q: my son-in -law borrowed our car so he could get back a.nd forth to work. Three days ago he was ... A: Well, I always advocate turning the claim into both and see who offers the best settlement. Of ... | |
| total loss | 9/11/2009 |
| Q: adjuster gave me 2 option. total for 4600 giving up my title. or 3400 and i have to go to and ... A: The insurer only owes the lesser amount, the value of the car, or the cost to fix it. If you take ... | |
| auto insurance appeal | 9/10/2009 |
| Q: My son had an auto accident back in Late July 09 in NYS where he resides. He was struck drivers ... A: Well, unless you have witness statements or some way to prove the light was red, its your son's word ... | |
| engine damage after theft | 9/9/2009 |
| Q: car was stolen and has been recovered. does the ins co pay for damage to the motor and drivetrain. ... A: Yes, the engine damage should be covered. The cost to have a mechanic check out the damage is also ... | |
| Insurance Claims | 9/8/2009 |
| Q: Is it illegal to file a claim for a car accident on the date the insurance policy was established if ... A: You could check with the state department of insurance or a lawyer or the police to see if it is ... | |
| DENIAL LETTER | 9/6/2009 |
| Q: MY DAUGHTER WALKED INTO THE STREET AND WAS HIT BY A SUV AND THE DRIVER DID NOT EVEN CALL THEIR ... A: If a police report was not made then, then try to make one now. You did not say why the claim was ... | |
| stolen auti | 9/3/2009 |
| Q: My company is dragging its feet on my stolen auto claim. I have provided everything they've ... A: Geico cannot deny your claim if your friend does not want to give a statement. Geico can insist that ... | |
| Uninsured Motorists Claim | 9/2/2009 |
| Q: I was hurt in my company vehicle by stolen car, person left the scene, so I am filing on my ... A: Kayla, go to this website www.autoaccidentclaims.com - Appears to be for auto injury claims ... | |
| Auto accident bodyly injury : biased chiropractic reports | 9/1/2009 |
| Q: I was rear ended while waiting for the traffic light a month and 15 days ago. I was the driver and ... A: First see what the adjuster will offer you for settlement and tell him the truth about the ... | |
| Suspended license DMV's fault | 8/31/2009 |
| Q: Because of a 'reckless driving' conviction 3 years ago I need to have an SR22. That's fine I agree ... A: We all have the same problems with DMV lately. Calif. DMV outsources a lot of their work to a firm ... | |
| Collision | 8/30/2009 |
| Q: Today, I was in a parking lot with my door partially open when a truck pulled in next to me and ... A: Well if you have the police report on your side, thats a big plus. Can the officer say if your door ... | |
| Total Loss...am I stuck??? | 8/28/2009 |
| Q: A friend totaled my car. The police report states the other driver was at fault. The insurance ... A: The other driver's insurance company only owes the market value of your car. Most insurers will ... | |
| Dont have a clue! | 8/27/2009 |
| Q: My mom just received a letter suspending her license because of a judgement against her by an ... A: 1. If you are talking about a court judgment, your mom must have known she was being sued for the ... | |
| question | 8/24/2009 |
| Q: my daughter is 12 and was in the bed of a truck with her best friend without my permission with her ... A: Well, in addition to the medical bills, she is probably offering to pay for stuff like the pain and ... | |
| My insurance got cancelled. | 8/22/2009 |
| Q: I have asked my agent to cancel my insurance policy as of September 1, 2009, as I am moving out of ... A: It depends on the state. If your state requires liability insurance, then you are not supposed to ... | |
| total loss | 8/20/2009 |
| Q: My daughter's car was totalled in an accident. Her insurance company is low balling her in offering ... A: If its her own insurer, they should not be trying to get her to sign a release. That's illegal (but ... | |
| insurance claim | 8/18/2009 |
| Q: My van was hit in an hospital parking lot. The driver of the vehicle was the boyfriend of the ... A: Lots of people fail to report accidents to their insurer, thinking you will either disappear or turn ... | |
| 3rd party (lienholder) indemnificaiton | 8/17/2009 |
| Q: I have been reading alot on this site that in Texas, a third party lienholder needs to be listed on ... A: I don't know the statute or code, but it is a reasonable law and exists in most states. You could ... | |
| 90% 10% fault | 8/15/2009 |
| Q: I had a accident where I was traveling north and I came into a intersection where a car headed south ... A: Well if they are offering to pay 90% of your damages, it may not be worth fighting in court, ... | |
| Rear-end accident | 8/14/2009 |
| Q: My car was hit from the behind on 8/11 at highway exit. I've made a claim to state farm which ... A: If the other driver refuses to report the claim to their insurer, the insurer does not have to deal ... | |
| auto accident | 8/13/2009 |
| Q: I was at a red light when the vehicle behind me rear ended me and total out my car...i suffered a ... A: Well your attorney is probably right. But in the meantime, get a second opinion from another ... | |
| New Car accident | 8/12/2009 |
| Q: I just purchased a new 2010 vehicle. Upon doing so the vehicle was parked for nearly a week before ... A: Legally in most states, the insurer owes whichever is less, the cost to repair the car or the value ... | |
| dui | 8/10/2009 |
| Q: I was in an accident. I was trying to not hit a deer and I wrecked my car. The police came and ... A: Yes, they should cover your car. But they may rise your rates or "non-renew" your policy. If you ... | |
| Totaled Car | 8/6/2009 |
| Q: I was in an accident. It was not my fault. I have been dealing with the other party's insurance. ... A: Do Both. Take the cash payout less the salvage value. For example if they offered you $2000 for the ... | |
| At Fault Accident | 8/4/2009 |
| Q: My husband had an accident the he was at fault but the driver that hit him had a suspended license. ... A: Driving without a license would not change the liability in California, and in most states I ... | |
| car insurance | 8/3/2009 |
| Q: My car was hit, and totaled. I only had liability. the person that hit my car WAS at fault. They ... A: John, They may or may not be lying. It really does not matter since with liability insurance, it ... | |
| total loss with warranteed parts on vehicle | 7/31/2009 |
| Q: My 1994 Toyota Tercel was declared a total loss. Within the last 2 years I replaced all major ... A: Yes you can certainly make that demand. However most adjusters will ignore your demand and try to ... | |
| Car Crash | 7/29/2009 |
| Q: .. My father's girlfriend was driving my car. A tow truck made a reckless left turn and totaled my ... A: If your car is a total loss, then you will be entitled to the "market value", the used value. You ... | |
| Auto Accident Settlement | 7/28/2009 |
| Q: In January-2009 I was involved in an automobile accident. The driver of the vehicle that hit me, ... A: 1. Try the ebook at www.autoaccidentclaims.com. 2. Get your best offer in writing, then look for an ... | |
| auto accident | 7/24/2009 |
| Q: Someone hit my daughter's parked car at college. When the peron who hit her car insurance company ... A: I don't know if its legal or not. In California, unless the other driver turned in the claim to ... | |
| property damage from others' collision | 7/22/2009 |
| Q: My vehicle was parked in front of my house when 2 other vehicles had a collision and the one driver ... A: In my California experience, an insurer can't put a salvage title on a car if they don't take ... | |
| property damage from others' collision | 7/20/2009 |
| Q: My vehicle was parked in front of my house when 2 other vehicles had a collision and the one driver ... A: Lots of questions. If the car is a total loss, you can keep it if you want to, but you have to ... | |
| Insurance Company Does not replace Insured Property!!? | 7/16/2009 |
| Q: My nephew's Lexus 2005 (NY State) was hit by a driver who missed a STOP sign. The car has been ... A: I would guess that both insurers used CCC or ADP to value your vehicle. Getting angry will not get ... | |
| auto accident | 7/15/2009 |
| Q: How do I file a claim against someone that I rear ended me. I have her name and insurance name but ... A: I assume you meant someone who rear ended you? If so, I guess start by calling the insurance ... | |
| existing claim | 7/13/2009 |
| Q: how can I find out if a claim has been paid on a accident that happened in my car driven by someone ... A: Well if its your insurance company doing the paying, ask them. And ask your agent to look on his ... | |
| Does the written statement have the same effect as the recorded statement? | 7/12/2009 |
| Q: The other car insurance rep wants to get a statement recorded. Can I provide a written statement ... A: Regarding "arbitration", I don't know. Ask your insurance adjuster. I don't know if arbitration is ... | |
| Rental Car Claim - 3 | 7/11/2009 |
| Q: "Policy Effective: 11/30/2008 Policy Canceled (Insured Request): 2/11/2009 Date of Loss: 1/19/2009 ... A: If you don't file an answer to the lawsuit you were served with in that 35 day time period, you ... | |
| Does the written statement have the same effect as the recorded statement? | 7/10/2009 |
| Q: The other car insurance rep wants to get a statement recorded. Can I provide a written statement ... A: Written or recorded makes no difference, for its intended purposes here. However, if it's the other ... | |
| Open Auto Claims | 7/9/2009 |
| Q: Can an auto accident that caused severe bodily injury remain open after a settlement (in case of ... A: Not if you signed a release. But hey, if you are talking about a lot of money, you need to have an ... | |
| Total loss | 7/8/2009 |
| Q: My girlfriend got in a car wreck and the adjuster is trying to not total the car. the car is worth ... A: The most important item is the value of the car itself, which Allstate will probably underpay you on ... | |
| accident with employer car | 7/6/2009 |
| Q: I was in an accident with a company vehicle the other night, and I was clearly at-fault. Little ... A: Unless you pay the other drivers damages, eventually your employer will find out about the accident. ... | |
| Insurance Claim Check | 7/4/2009 |
| Q: I was hit by someone in a parking lot, and it was their fault. They have admitted total ... A: Since it's a claim against another drivers liability insurance, they are supposed to make the check ... | |
| Diminshed Value | 7/1/2009 |
| Q: My 2005 BMW 330 Ci Convertible had a tree fall on it and resulted in $9000.00 in damages. It is ... A: First of all, the person who told you the DV was 50% is way off, in my opinion. I guarantee you that ... | |
| HIT & RUN, I GOT PLATE NUMBER, WHAT SHOULD I DO?? | 6/30/2009 |
| Q: My car was parked in a local YMCA parking lot. Someone pulled out of their spot and hit my car, did ... A: I changed your question to "public" since we advisors get no "PR" for private questions, and you are ... | |
| totaled | 6/28/2009 |
| Q: Someone crash my car,his insurance says its totaled damage,they want to give me tha value of my car ... A: Whether you collect from the insurer or the driver of the other car, the most they owe is the ... | |
| AVIS CAR ACCIDENT | 6/24/2009 |
| Q: my car was parked in a Best Buy parking lot and someone backed into my car, casusing damage to my ... A: Contact BOTH Avis and PV Holding to make your claim. Put both their names and addresses on each ... | |
| Coverage after car is totaled | 6/19/2009 |
| Q: Last week, both our cars were severely damaged in a hailstorm here in Texas. They are both older ... A: Any insurer should be willing to insure your cars even with old damage. However most insurers will ... | |
| Filing an insurance claim. | 6/18/2009 |
| Q: In September last year i got into a pretty bad wreck. I was the passenger when my friend hit a light ... A: Michael, I'm an expert in insurance property damage claims, not injury or liability claims. If ... | |
| Claim question | 6/16/2009 |
| Q: My insurance company recently totalled my car and due to hail damage and sent me a check for the ... A: I have not read your loan or lease contract with the lender. I don't know what state you are in or ... | |
| Claim question | 6/15/2009 |
| Q: My insurance company recently totalled my car and due to hail damage and sent me a check for the ... A: You can only deposit the check to your account after the finance company has signed the check and ... | |
| Total loss with Lienholder - Third Party | 6/13/2009 |
| Q: My car was recently totaled by another party. His insurance has accepted liability and have deemed ... A: Have the adjuster put it in writing and ask him to cite that law that requires this. Did you have to ... | |
| minor fender bender | 6/11/2009 |
| Q: i backed into another car in a parking lot. there was minor damage to the other vehicle while mine ... A: Bill, I agree with you. Get an estimate if you can, or take the other drivers estimate and some ... | |
| Betterment deduction | 6/10/2009 |
| Q: I have a 98 honda civic and it was hit by another car on may 16, 2009. The other party was at fault ... A: I could not agree more with you. The "standard practice" in auto insurance claims is to only take ... | |
| Auto Insurance payout for stolen vehicle | 6/9/2009 |
| Q: I had a vehicle with my name and my mother's name on the title. However, I am the sole policy holder ... A: J., Well, if you were making bank payments on the vehicle, the insurer would have to include the ... | |
| Re-submitting a claim for damages | 6/8/2009 |
| Q: December, 2007, I had the misfortune (especially now) of getting into a minor accident in a shopping ... A: Patrisha, First of all I'm no liability or automobile coverage expert, so you may want to resubmit ... | |
| Insurance company stalling to pay | 6/6/2009 |
| Q: In March 2009, I was out of town and my car was stolen while parked on my drive way and it was ... A: Kelvin, Either you or your attorney need to start "building a file, or a 'case' if you will" before ... | |
| Insurance company stalling to pay | 6/4/2009 |
| Q: In March 2009, I was out of town and my car was stolen while parked on my drive way and it was ... A: In most areas, the insurer has a certain amount of time, legally, to deny or pay a claim. However ... | |
| Motorcyle accident | 6/3/2009 |
| Q: a friend of ours took my husbands motorcyle for a quick ride without permission and it's now a total ... A: I believe that's called theft, and your friend needs to learn a lesson. If your friend doesn't want ... | |
| totaled my friends car, my collision covered minus deductible, am i required to pay deductible? | 6/2/2009 |
| Q: I was driving my friend's car with permission for personal use in Los Angeles. I totaled the car. ... A: You should double check this with an attorney in your state. I'm surprised your insurer extended ... | |
| personal injury claim AAA Michigan (No Fault ) | 5/29/2009 |
| Q: 10 years ago, I was a pedestrian in a MVA. I was hit from behind and had NUMEROUS injuries and over ... A: Daniel, Upon re reading your question, I can offer a little advice. Draw a line through the clause ... | |
| 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: Either there is something you are not telling me, or your insurance company is really working you ... | |
| I'm dissatisfied with the offer made by my insurance company | 5/22/2009 |
| Q: I had an accident with my car and when i notified the insurance company, i was asked to complete a ... A: You should have gotten an agreed settlement offer of repair or replacement "before" proceeding with ... | |
| total loss with gap | 5/20/2009 |
| Q: i was hit in my work parking lot and the person ran. I have gap insurance and i was told by 1 ... A: Sorry for the delay. If you have "Gap" insurance, that should cover the difference in the loan ... | |
| Verbal Contract / Auto Insurance | 5/19/2009 |
| Q: On March 25, 2009, my husband contacted an insurance agent to reinstate our auto and home insurance, ... A: First of all, I'm not an attorney and I don't know all the law on this, so check with an attorney. ... | |
| auto accident | 5/17/2009 |
| Q: My brother was involved in an auto accident 01/04/09, he was a front seat passenger in a friends ... A: Why not submit them along with your argument. What would help you would be if you got a written note ... | |
| total loss auto claim | 5/15/2009 |
| Q: Awful situation- hit and run accident, no gap insurance. The Body shop says the auto is repairable ... A: You have to effectively debunk the insurance valuation of your vehicle and hope that they will up ... | |
| settlement claim | 5/14/2009 |
| Q: I was in an accident where my car was damaged over $6000, I still owe about $9000 on it. Would it be ... A: The insurer only owes the cost to repair or replace your vehicle, which ever is less. What you owe ... | |
| hit and run driver | 5/13/2009 |
| Q: I was involved with a hit and run. The other driver was driving with a Mexico license and an ... A: They are apparently giving coverage under the collision part of your policy. Get a written letter ... | |
| my right as a policyholder | 5/12/2009 |
| Q: We have full coverage on our 1997 grand cherokee jeep just purchased in aprilof 2009, it was stolen ... A: I could write a book to answer your very broad question. To answer your question in a small part, ... | |
| valuation of auto claim | 5/7/2009 |
| Q: my vehicle was totaled. other driver ticketed for "failure to yield right of way". third party ... A: As to the valuation on the totaled vehicle, if they used CCC, ADP, or a similar computerized ... | |
| Options when insurance wants to total a rearended car | 5/5/2009 |
| Q: My car got rearended by a car that was hit by another from behind. The car at the very end was ... A: 1. You have many options, for example keeping the car with a deduction for salvage. The trick is how ... | |
| Prior damage | 5/3/2009 |
| Q: My car got damaged recently with the Hail storm. I called up my insuarnce and they arranged an ... A: The insurer should pay the cost to repair the dents from the hail and to paint the hood, as well as ... | |
| my car insurerance claim | 4/30/2009 |
| Q: my insurers co are asking for a explanation as to why i have a undisclosed endorsement on my driving ... A: What kind of "endorsement"? In the USA an endorsement is usually a designation to operate different ... | |
| Rear end damage and repairs | 4/29/2009 |
| Q: I was recently in a pretty intense rear-end accident and the shop I took my 2004 chevy avalanche to ... A: No worries if they do it correctly. If you are worried, then either take the truck to a frame ... | |
| refusal of medical | 4/28/2009 |
| Q: I was injured in a car accident in January 2009. I was taken to hospital and released with no broken ... A: For $19.95, why not see if the book at www.autoaccidentclaims.com may be of help, if you plan to ... | |
| Appraisal of 1998 Mustang GT Conv. | 4/14/2009 |
| Q: The car was value at $7,000.00.However www.NADA.com appraised it at 7,250. The insurance company ... A: You are entitled to what the market value of the car was in your local market area prior to the ... | |
| RV Claim | 4/10/2009 |
| Q: This is Tahairh the one with the weekend warrior problem. hope you remember. First thank you very ... A: Sorry for delay, but I did not get your question until today. Turn in the claim to both insurers. ... | |
| pay out | 4/8/2009 |
| Q: i am in the process of dealing with a insurance claim. my parked vehicle was hit. i recieved a quote ... A: You can take the car to any body shop of your choice. But that does not necessarily mean the insurer ... | |
| Stolen Car | 4/7/2009 |
| Q: My car was stolen on 02/07/09 in the evening and I filed the claim on 02/08/09, Geico stated that I ... A: Either they think you filed a phoney claim for theft, or they are using unfair claim practices to ... | |
| Excessive car repair time compensation | 4/6/2009 |
| Q: My car (a Jaguar) was struck by another car on 1/27/09. The cr ar was badly damaged adn taken to a ... A: 1. I don't believe most normal automobile insurance policies include "loss of use" for your own car ... | |
| estimate of repairs in total loss | 4/3/2009 |
| Q: The insurance co. says the cost of repairs (mostly cosmetic) will exceed 75% of FMV of my vehicle ... A: 1. Nobody can take your car, even if it is "totaled out". They would owe the FMV less the salvage ... | |
| PD, total loss exceeds PD coverage | 4/2/2009 |
| Q: I reside in Florida, and I just had my auto totaled by the other auto's insurance company, which ... A: I don't know Florida law, but it can't be too different from other states on stuff like this auto ... | |
| vehicle theft | 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: I've been adjusting claims for 28 years both as an independent adjuster working for many insurance ... | |
| Total Loss- car purchased 4 days ago | 3/30/2009 |
| Q: My friend's husband was in an accident totalling his car. They replaced the car with a used vehicle ... A: Sorry for the delay. I thought I already answered this one. The UClaim.com product on Total Loss ... | |
| RV Claim | 3/27/2009 |
| Q: I have a Weekend Warrior Superlite 2006 Fifth Wheel. I don't know if you are familiar with them or ... A: Most states have laws that the insurer has to respond to your communications in 15 days. But guess ... | |
| RV Claim | 3/25/2009 |
| Q: I have a Weekend Warrior Superlite 2006 Fifth Wheel. I don't know if you are familiar with them or ... A: So the argument is whether the frame was tweaked by the 5th wheel hitch attachment or from getting ... | |
| Insurance | 3/24/2009 |
| Q: I have a few basic questions. 1. If I am in an accident, why do I have to pay a deductible (or any ... A: First of all, I don't know about insurance in Canada. I know about California laws and insurance. ... | |
| TOTAL LOSS CLAIM | 3/19/2009 |
| Q: I was involved in a rearend accident on March 2 - I was not at fault. I have Progressive and person ... A: Update: Thanks for your alert, the problem at UClaim has been fixed. Prior answer: Thanks so much ... | |
| vehicle loss | 3/18/2009 |
| Q: How do determind what to settle for when your vehicle is totaled and do I have a choice for ... A: Settle for whatever makes you happy. What do you think your vehicle would sell for? I'm not sure ... | |
| total loss | 3/17/2009 |
| Q: I was involved in an accident Jan 9, 2009 and they gave me the valuation of the total loss today ... A: This is classic CCC or ADP computer based valuation for insurance companies. You need way too much ... | |
| what can i expect | 3/16/2009 |
| Q: i was rear ended and the other motorist was determined 100% at fault. i had only min liability ins ... A: 1. If you truly think the bullet in your spine could be aggravated and cause future problems, and ... | |
| Asset protection | 3/15/2009 |
| Q: I was involved in an accident last year with a bicyclist in southern California. My insurance ... A: Get all the opinions you can. Yes, they will go after your mom because she let you drive the car. ... | |
| rental car damage done by "good samaritan" | 3/13/2009 |
| Q: We rented a car from Hertz to go on family vacation. On our way home, we became stuck in a snow ... A: I doubt his car insurance would cover it. And I don't know if his homeowners would cover it. But ... | |
| hit and run | 3/12/2009 |
| Q: I was involved in a hit and run collision in a parking lot. I got the license plate and description ... A: If you have any eye witness statements, that will help with your own insurance company as well as if ... | |
| TOTAL LOSS CLAIM | 3/11/2009 |
| Q: i was told that it the damages equal to 75 percent the actual book value maryland law as to deem it ... A: Some of your questions I just answered in another post you made. Yes you can keep the car. No law ... | |
| total loss | 3/10/2009 |
| Q: and today monday my insurrance declared my car a total loss. saying it reached 75% of the actual ... A: Sorry for the delay in response. I assume you don't have rental car coverage. And if you did have ... | |
| my car, my insurance, but I wasn't in the car at time of accident | 3/9/2009 |
| Q: my boyfriend borrowed my car to go to work one day and someone hit him, totaled my car. Since I ... A: If there are no injuries and it's just your car damage, don't get a lawyer. But your boyfriend could ... | |
| state insurance laws | 3/8/2009 |
| Q: if my car is registered and insured in new york, was parked and involved in a hit and run (not my ... A: I assume the claim was turned in to your own insurer since the "hit and run" guy is probably gone. ... | |
| sent a payment in on a friday and i crashed on a monday but my payment was due friday | 3/6/2009 |
| Q: i was told by someone i know who works at progressive that there is a 30 day grace period before ... A: You definitely need to get a consultation with an attorney, especially if you are considering ... | |
| NO INSURANCE | 3/5/2009 |
| Q: I WAS ON VACATION WITH MY FAMILY IN LON BEACH CA. LAST YEAR. I WAS DRIVING MY GIRLFRIENDS CAR WHEN ... A: How much are you being sued for would be the first thing you need to know before hiring an attorney. ... | |
| Do I pay my deductible? | 3/4/2009 |
| Q: I was in a one-vehicle accident about two months ago. In an ice storm, I ran off the road and caused ... A: Wow, what an amazing story. I think I would seek reimbursement from the dealer and your insurer for ... | |
| Being sued by injured party | 3/3/2009 |
| Q: My husband got into an accident in May 2008. He t-boned the oncoming car (his fault)and he was ... A: Well, if they lose, then your insurer still has to pay up to your policy limits. Your insurer would ... | |
| Car Accident with My Car But I Wasn't Driving! | 3/2/2009 |
| Q: Hey there...I was wondering if my insurance will cover the damages on my car. I am financing my '03 ... A: I would assume they would cover it. Your story sounds reasonable to me. Look in your policy under ... | |
| recover damage costs in small claims court | 3/1/2009 |
| Q: I was side-swiped by another vehicle on the freeway. There were no personal injuries to either. My ... A: Dorothy, I'm no expert on liability, but I will give you my view anyway. I think both insurers see ... | |
| car accident | 2/21/2009 |
| Q: i was involved in a car accident where both of us drivers were cited. I received a letter from his ... A: Most states, like California, have "comparative fault" laws. So if you are 20% at fault, you pay 20% ... | |
| stolen car was found 31/2 months later. | 2/20/2009 |
| Q: If I have full+gap coverage ins policy and car is stolen and for over 3 months not found then ... A: I'm having difficulty understanding all of your questions. Is it your car? Are you not the ... | |
| Pay out of pocket for damage or claim insurance? | 2/18/2009 |
| Q: I was making a right hand turn, the light was red and there were a few cars ahead of me. The other ... A: I'm a claim adjuster and we don't know about premiums. Its a better question for an agent or ... | |
| Lienholder's Right to "Direct" Claims Process | 2/17/2009 |
| Q: I'll try to keep this simple. I bought a motorcycle -- full coverage insurance. It was stolen and ... A: Did the insurance company "total" this motorcycle and you just decided to repair it? If so, then the ... | |
| Gap Insurance | 2/16/2009 |
| Q: I'm purchasing a 2008 Ford Focus SE from Carmax today and since they don't offer separate GAP ... A: This won't answer all your question, so you can repost your question. In my opinion from a claims ... | |
| our cars hit hub caps only | 2/14/2009 |
| Q: I was passing a car on my right had lots of time to pass to get around him when this car on the left ... A: Get pictures of your tires and side of your car. And pics of hers too, if you can. Look for "paint ... | |
| total loss of vehicle totaled previously | 2/12/2009 |
| Q: vehicle accident deemed totaled, I find out by the adjuster the vehicle had been previously totaled. ... A: I guess this might be a good reason to use www.carfax.com to get vehicle history. In my 28 years, I ... | |
| Unfair Conclusion to a | 2/11/2009 |
| Q: A year ago I got in a car accident leaving the parkinglot of my workplace. I was entering the next ... A: If you get sued, the burden of proof is on the person suing you. If the person suing you has ... | |
| Unfair Conclusion to a "Investigation" | 2/10/2009 |
| Q: A year ago I got in a car accident leaving the parkinglot of my workplace. I was entering the next ... A: I don't think it's a question of your word against hers or your age or if your music was loud. ... | |
| Borrowed Vehicle, Obligation to Pay | 2/9/2009 |
| Q: I allowed a friend to temporarily borrow my vehicle for recreational purposes. She did some damage ... A: Your friend either intentionally speaks with "forked tongue" or is lacking between the ears, in my ... | |
| 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: Ahmed, While most policies (and you should look at yours) say coverage starts at 12:01 a.m. the day ... | |
| What constitutes a Total loss on a vehicle? | 2/6/2009 |
| Q: What constitutes a Total Loss on a vehicle? Is there a certain percentage of the value of the care ... A: Jim, The rule of thumb is the same everywhere. If the cost of repair is more than 80% of the value ... | |
| Total Loss - Outrageous Estimates | 2/5/2009 |
| Q: My wife was in a relatively minor accident where the main damage was to the front left quarter panel ... A: I'm going to answer one of your questions briefly, but for the rest, read the next paragraph. ... | |
| Auto Accident | 2/4/2009 |
| Q: I recently was in a minor accident. I rear-ended a lady driving an SUV. Since my car sits lower to ... A: Get a copy of her dealership estimate. If they are figuring to replace the cover, then you can take ... | |
| Auto injury | 2/2/2009 |
| Q: my husband was involved in an car accident.He was sitting at a stop sign waiting for a car to turn ... A: I assume you have no insurance of your own. If you do, report it to your own insurer as well. Make ... | |
| Totaled car, Insurance claim. | 1/30/2009 |
| Q: I was in a car accident a few days ago. it wasnt my fault and i filed a claim with the other ... A: You are entitled to a replacement vehicle exactly like yours without one penny out of your pocket, ... | |
| Is the insurer obligation forever? | 1/29/2009 |
| Q: My insurer’s estimate lower than any repair store's estimate. My insurer sent me the check based on ... A: A lot of questions here. Is the insurers obligation forever? No First, ask the insurer directly. ... | |
| Auto Accident | 1/28/2009 |
| Q: I was involved in an accident in CA where I was not at fault. I was driving on a main road when a ... A: 1. Well, first call the DMV and ask this as a "what if" theoretical question (so they don't ask you ... | |
| medical coverages | 1/27/2009 |
| Q: I wanted to know if a persons minimum coverage is 12,500 and this is what the insurance company is ... A: The "Med Pay" coverage is only for the owner of the insured vehicle that hit you and passengers in ... | |
| parked auto damaged | 1/24/2009 |
| Q: My son's car was parked in front of my house. It was not being used, as he is away at college. Not ... A: In most states, if you have the driver and vehicle information on the vehicle that hit your car, ... | |
| Seeking Definition of the phrase 'mitigate one's loss'--recent accident | 1/24/2009 |
| Q: Last Saturday my wife and I were hit by another driver. Our vehicle was 1999 Chevy Malibu, and it is ... A: The only thing you have to fear is fear itself, right? Isn't that what Churchill said? You can beat ... | |
| falsely accused | 1/23/2009 |
| Q: About a month ago we received a letter from State Farm wanting our insurance information so they ... A: I can't believe my ears. This is highly unusual and almost sounds like a scam to me. If all anyone ... | |
| Seeking Definition of the phrase 'mitigate one's loss'--recent accident | 1/23/2009 |
| Q: Last Saturday my wife and I were hit by another driver. Our vehicle was 1999 Chevy Malibu, and it is ... A: One sign of a newbie or someone who wants to keep you in the dark in any profession is one who uses ... | |
Auto Insurance Claims
Answers by Expert:
Ron Cercone
Top Expert on this page
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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