Auto Insurance Claims - Auto Insurance - Autos

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About Ron Cercone
(Top Expert on this page)

Expertise
How to handle automobile total loss claims. I am the president of UClaim and contribute to InsuranceClaimHelp.org .

Experience
28 years adjusting claims since 1980. 15 years for insurers. 14 years for policy holders as a public adjuster 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 .

You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims

Questions Answered By Expert Ron Cercone
In Category Auto Insurance Claims

Subject	Date Asked

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 ...

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