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Auto Insurance Claims/Questions Answered by Expert Richard L Carranza
| Subject | Date Asked |
| Struck by car as pedestrian in crosswalk | 2/20/2009 |
| Q: In May of 2007, I was struck by a car while crossing the street in a designated crosswalk during the ... A: Reality check... How did you expect the carrier/Rep to respond to your $100,000 demand? On it's ... | |
| Past Auto Accident Holding Up Registration of Car | 2/19/2009 |
| Q: I was involved in a minor fender bender in New York State in 2007. Both the other driver and I ... A: What you relates doesn't make total sense. If your carrier was contacted by the other party or ... | |
| Not enough insurance coverage | 2/19/2009 |
| Q: I was involved in an auto accident which was my fault. I was driving my own car. My husband is ... A: The answer is depends........ When you are listed on another person's policy as an opeartor or ... | |
| my father | 2/19/2009 |
| Q: Yes, the truck that my dad was driving belonged to the company he was driving for. The checks that ... A: You MAY very well have a tort claim for Wrongful Death against the carrier that was on the truck ... | |
| my lawyer is playing a game | 2/19/2009 |
| Q: My lawyer is pushing me to accept a small settlement and I refused to take it.can he play games at ... A: If you are in a conservative (v liberal) jurisdiction that is an obvious consideration. Also if you ... | |
| my lawyer is playing a game | 2/19/2009 |
| Q: My lawyer is pushing me to accept a small settlement and I refused to take it.can he play games at ... A: You didn't answer my main question.... what has your attorney told you as to why he thinks you ... | |
| my father | 2/19/2009 |
| Q: Yes, the truck that my dad was driving belonged to the company he was driving for. The checks ... A: Yes... I would suggest that you sit down with the company and ask all your questions and get as many ... | |
| Struck by car as pedestrian in crosswalk | 2/19/2009 |
| Q: In May of 2007, I was struck by a car while crossing the street in a designated crosswalk during the ... A: Pro se? Wow. Unususal move... What court are your filed in (include county)? Where are you re ... | |
| death of parent in work accident | 2/19/2009 |
| Q: My father was a truck driver, and was killed in an accident in September. His employer's insurance ... A: I realize that this is probably painful. Was the vehicle your father was driving at the time of his ... | |
| my lawyer is playing a game | 2/18/2009 |
| Q: My lawyer is pushing me to accept a small settlement and I refused to take it.can he play games at ... A: Please clarify "play games". You mention "trial"... is this matter presently scheduled for trial? ... | |
| Struck by car as pedestrian in crosswalk | 2/18/2009 |
| Q: In May of 2007, I was struck by a car while crossing the street in a designated crosswalk during the ... A: You mention PLIGA and PIP and I therefor ASSUME that you are in New Jersey. You say that you have ... | |
| death of parent in work accident | 2/18/2009 |
| Q: My father was a truck driver, and was killed in an accident in September. His employer's insurance ... A: The scenario you provide is a tad odd. Suggest you call the insurance compnay (ies) issuing the ... | |
| death of parent in work accident | 2/18/2009 |
| Q: My father was a truck driver, and was killed in an accident in September. His employer's insurance ... A: What's are the checks for? What do the checks say on their face or on the stubs as to what they are ... | |
| limits of liability disclosure | 2/18/2009 |
| Q: My daughter rear-ended a vehicle on the freeway which was pushed into the vehicle in front. The ... A: Why are you dealing with the injured party (?)'s attorney? That is what you have insurance for. Do ... | |
| backing up collision | 2/18/2009 |
| Q: My co-worker and I collided in our work parking lot while we were both backing up. Is this a "no ... A: This is a 50/50 situation as to fault. What state are you? Reason I ask is that most states are ... | |
| Waiting on 1st settlement offer | 2/17/2009 |
| Q: I sent my demand letter to the adjuster on 12/29/08. I have yet to get the 1st offer. The adjuster ... A: Most states have Unfair Claim Practices Acts which set forth the time-frames you are talking about. ... | |
| amended report | 2/17/2009 |
| Q: A drunk driver hit 6 parked cars and was arrested for DWI. My car was not reported on the original ... A: Good question... Depends on who the carrier is and what type of mood they are in. Recognize that ... | |
| Rental car collision damage waiver reinbursement | 2/17/2009 |
| Q: My husband was involved in a car accident about a month ago. Due to the accident the vehicle was ... A: Insurance companies do not routinely pay for 1st party coverage(s) (Collision and/or Comprehensive) ... | |
| CLAIM OFFER | 2/17/2009 |
| Q: I WAS IN A AUTO ACCIDENT, THE OTHER DRIVER WAS AT FAULT. I HAD A PULLED MUSCLE AND A BRUISED RIB. MY ... A: Sounds like you sustained what in the industry is called soft tissue type injuries (sprains, ... | |
| backing up collision | 2/17/2009 |
| Q: My co-worker and I collided in our work parking lot while we were both backing up. Is this a "no ... A: Depends.. Parking lot accidents are always tough to sort out liability-wise. Provide the loss ... | |
| Claim denial | 2/15/2009 |
| Q: I swerved to avoid hitting 2 dogs and slammed into a curb with my passenger right front tire. I ... A: Chalk it up to bad timing and coincidence.... Rest well knowing you have a new fuel pump and it ... | |
| Claim denial | 2/14/2009 |
| Q: I swerved to avoid hitting 2 dogs and slammed into a curb with my passenger right front tire. I ... A: Without any physical damage to the water pump I seriously doubt you will win the argument? What ... | |
| Auto Accident - Disputing Police Report and Fault | 2/13/2009 |
| Q: I should have made myself more clear about my actions. I was making a left turn into an empty ... A: OK.. let's see if I now have this right. You were making a left hand turn into the lot in order to ... | |
| 50% at fault | 2/13/2009 |
| Q: I received a surcharge notice because of a minor accident I had with 3 orange cones. I was ... A: Those were some cones! The good news is that you were able to get the carrier to fund the necessary ... | |
| 50% at fault | 2/12/2009 |
| Q: I received a surcharge notice because of a minor accident I had with 3 orange cones. I was ... A: I put your chances of prevailing on appeal (if you go that route) at less than 50%. The cones were ... | |
| Auto Accident - Disputing Police Report and Fault | 2/12/2009 |
| Q: I was involved in an auto accident where I was making a left u-turn into a private parking lot on a ... A: I hate to be the bearer of bad news but I doubt you will be able to recover against the other driver ... | |
| Insurance for Unlicensed Drivers | 2/12/2009 |
| Q: Are there insurance companies that knowingly provide coverage for unlicensed drivers, or drivers who ... A: Most standard insurance insure vehicles and not drivers. With that said most standard carriers ... | |
| MVA with increasing medical bills | 2/11/2009 |
| Q: On July 2008 I was involved in an MVA. I had immediate signs of pain which continue on until today. ... A: You're throwing a lot of details at me. My initial reaction is to look for another attorney... you ... | |
| Typical Insurance Settlement | 7/18/2005 |
| Q: I live in Arizona and was injured in a car accident that was the other person's fault. My car was ... A: There is NO "standard settlement" and FORGET about the "3X's" bit as that is NOT the way it works. ... | |
| Claimant | 7/15/2005 |
| Q: I was hoping you could help me understand why the insurance company would list me as the "Claimant" ... A: Have no clue why you are being reffered to as the "claiaant" in the scenario you describe... If you ... | |
| Rental Car | 7/8/2005 |
| Q: I have asked this question twice and received no reply from AllExperts so I am assuming there is a ... A: As the rental car will be a "temporary substitute" for a presently insured auto that you own then ... | |
| diminished value | 7/8/2005 |
| Q: I did pick the body shop it was one of three in the Boston area that was Toyota Factory certified. I ... A: Strongly recommend that you contact the Mass Dept of Insurance - Consumer Affairs area and run the ... | |
| claim settlement on a totaled out mini van | 7/7/2005 |
| Q: On June 23 around 4 pm I was in my 1987 Chevy Astro van, going home from college. I was at a stop ... A: I ASSUME that the at-fault's company has accepted FULL (100%) liability for this loss and is not ... | |
| diminished value | 7/7/2005 |
| Q: -2003 Toyota 4runner sr5, 30K miles (retail $25K) -Accident happened in Mass., but my vehicle is ... A: Given the age of your vehicle (although the mileage is a tad high for a 2-year old vehicle) I would ... | |
| diminished value | 7/6/2005 |
| Q: My vehicle was parked on the side of the street and a women fell asleep at the wheel and hit it. I ... A: Let's start with the following info (I need): Year, make and model of your vehicle. The State this ... | |
| Insurance Claim Payment | 7/6/2005 |
| Q: My wife was rear-ended and the driver recieved a ticket for following to closely. I have '02 Camry ... A: The asnwer to your question is YES.... Keep in mind that when you sell/trade in the vehciel that ... | |
| To file or not to file when totalled | 7/5/2005 |
| Q: My 19-year-old son was distracted when pulling into a parking lot and hit a cement barrier ... A: Given the facts provided the car is probably a Total Loss. What you need to determine is the ... | |
| accident with trailer; is the trailer covered? Contents? | 7/4/2005 |
| Q: I use the trailer for a part-time business. I pay taxes on the trailer as personal use to the ... A: As the trailer and its business-related equipment is specifically insured under a business ... | |
| accident with trailer; is the trailer covered? Contents? | 7/4/2005 |
| Q: After the jack-knife- it caused me to crash into the embankment (dirt) and the truck and trailer ... A: Do you OWN the chain saw and the pricey mower? Are the chain saw and pricey lawn mower business ... | |
| accident with trailer; is the trailer covered? Contents? | 7/4/2005 |
| Q: I was involed in an auto accident. I was the only vehilce involved. My trailer fish tailed and ... A: The loss will be considered a COMPREHENSION (COMP) loss as there was no "collision with a fixed ... | |
| Insurance claim (totalled) | 7/1/2005 |
| Q: My insurance valued my car at $4800 (about what I thought) but took off $800 for a scratch on the ... A: When a vehicle is totalled and the insurance company determines the Actual Cash Value (ACV) that ACV ... | |
| Neighbors tree fell on my car | 6/30/2005 |
| Q: During a storm a branch from the neighbor's tree fell on my truck that was parked in my driveway, ... A: Sorry to hear about your loss..... As the branch fell during a storm (Act of God) you will most ... | |
| Unisured Coverage | 6/27/2005 |
| Q: I drove a friends truck and hit a cement barrier in a parking garage. I do not have car insurance. ... A: Does the owner of the F150 have COLLISION (COLL) coverage on the vehicle? If so, with what ... | |
| Rental Car | 6/25/2005 |
| Q: I plan on renting a car for a vacation trip. Will my existing liability and comprehensive coverage ... A: As the rental will be a "temporary substitute" ALL (1st and 3rd party) your coverages should "roll ... | |
| Rear Ended | 6/24/2005 |
| Q: 2 MD Visits 3/23 & 3/30 - $162.00 Radioligist 3/23 7 3/30 - $153.70 Hospital 3/23 & 3/30 - ... A: Assuming that they reimburse you for your net lost earnings.. I would value this claim (new money) ... | |
| Rear Ended | 6/24/2005 |
| Q: Anwsers to your questions. My Total medical bills were $1,827.16. Work hours missed were 44 hours, ... A: Need you to break-down the $1,800 in medical between. Emergency Room MD(s) Chiro P/T ... | |
| auto claim | 6/23/2005 |
| Q: We own a '95 BMW and it was insured through Farmers'. At the time it was covered under our policy, ... A: Appears by not reporting the incidents when they occurred to your then insurnace carrier that you ... | |
| Property theft claim along with car damage | 6/19/2005 |
| Q: I had an expensive bicycle stolen off my car. The car was damaged extensively along with the locking ... A: Your theft coverge (one of the COMPREHENSIVE perils... along with fire, vandalism and other ... | |
| Rental Car Coverage | 6/18/2005 |
| Q: I plan on renting a larger car for a one week vacation trip, and I do not know if I should pay extra ... A: What about Collision (COLL) coverage? That's the main coverage you need to have when renting a car. ... | |
| Filing an insurance claim | 6/16/2005 |
| Q: Honda Accord - 97 I was involved in a car crash on 6/15. I was rear-ended causing me to rear-end a ... A: I would honestly ask your agent what he/she does for the commission (10-15%) that he/she makes on ... | |
| Total loss offer not good enough | 6/16/2005 |
| Q: I'm sure you've been asked this a thousand times, and I've searched the this site extensively, but ... A: I answered this question a few days ago but it remains on my open listing so here goes.. again. The ... | |
| Car accident | 6/13/2005 |
| Q: I was in a car accident where I brushed the back bumper of the car in front of me and caused a ... A: Suggest you ask the other party to provide you with at least two estimates from reputable body shops ... | |
| settlement with my own car insurance | 6/11/2005 |
| Q: Am I entiled to a personal injury settlement from a accident that was my fault on 1/29/02 A: No.... If the accident was YOUR fault... no have no legal remeey againts the other party. If the ... | |
| Automobile Insurance Claim | 6/9/2005 |
| Q: I am in the military and I am stationed in 29 Palms California, the tip of the Mojave desert. Our ... A: I seriously doubt you will be successful in presenting any claim and for several reasons..... Your ... | |
| insurance collection | 6/7/2005 |
| Q: In the state of California, if you do NOT have uninsured motorist insurance and you get into a ... A: First of all there is UnInsured Motorist Bodily Injury (UMBI) and then there is UnInsured Motorist ... | |
| Multi-car accident | 6/5/2005 |
| Q: I was recently involved in a multi-car accident. I was stopped in the right lane of a 4 lane, ... A: What State are you in that has NO UnInsured Motorist statutues/laws on the books.... that's a new ... | |
| Hit and Run - Claim Advice | 6/4/2005 |
| Q: you do a great job in helping all of us! A week ago I discovered that someone did a hit and run on ... A: Most, if not all companies, will NOT penalize you for a not-at-fault accident especially when the ... | |
| Full coverage | 6/3/2005 |
| Q: Recently my wife was in an accident involving an uninsured motorist and they were at fault. we just ... A: Lots of questions. Does your policy provide UnInsured Motorist Pproperty Damage (UMPD) coverage? ... | |
| 3rd party liability insurance | 6/2/2005 |
| Q: I do medical billing for a living and have had a problem a couple of time with this 3rd party ... A: Sorry.. just saw your FU today.... The fact that the company may "have to" pay the claimant does ... | |
| 3rd party liability insurance | 6/2/2005 |
| Q: I am in the state of Texas. The auto co. says that they legally have to pay the patient on a 3rd ... A: What is your interest in this matter if I may ask? Might want to consider contacting the Texas Dept ... | |
| 3rd party liability insurance | 6/1/2005 |
| Q: Does a 3rd party liability insurance company pay the patient the settlement money even if a ... A: If a medical vendor has an assignment/lien and they are not paid directly by the settling company ... | |
| my car was hit on the rear right side | 5/31/2005 |
| Q: First , I want to thank you for your help. Here is the thing. It was in a street. My car parked on ... A: Backing accidents (where both cars are backing) are generally subject to debate as to who was at ... | |
| What is going on??? | 5/30/2005 |
| Q: About a month ago, I got into a small accident in the alley way of my neighborhood. It was the ... A: First some questions... What State? Who is the other party's insurance company? Simply because ... | |
| car insurance | 5/27/2005 |
| Q: If someone is insured under their own policy to drive any vehicle, does the vehicle (not their own) ... A: In a word NO. If you have your own coverage it covers you while operating the "owned auto" (the one ... | |
| windshield break | 5/21/2005 |
| Q: My windshield was broken by a practice ball thrown, between innings, during a khoury league game. I ... A: First of all check with your agent and/or your insurance company to determine what your GLASS ... | |
| Health Insurance MVA | 5/20/2005 |
| Q: I have a general question regarding health insurance coverage as a result of a motor vehicle ... A: The answer is "apples and oranges".... You are fortunate to have BOTH Mo Fault (Personal Injury ... | |
| accident - their fault - what is their insurance company's responsibilities? | 5/16/2005 |
| Q: My little sister was in a car accident with a tow truck last Wednesday. The tow truck was totally ... A: What State are we in? What are the loss mechanics/description (provide as much detail as possible)? ... | |
| auto insurance claim | 5/11/2005 |
| Q: I live in CA and got rear ended. My car was totaled. The insurance wants to settle for an amount ... A: For starters.. the fact that you may owe more to your lender than the Actual Cash Value (ACV) of the ... | |
| auto claim | 5/10/2005 |
| Q: I live in California and was rear-ended about a month ago. I just now recieved a letter with a ... A: Although you do not say so I assume your car is a Total Loss. Vast majority of insurance companies ... | |
| My Lexus was stolen | 5/3/2005 |
| Q: My husbands ES 300-1996 Lexus was stolen in 2001. We recovered it with the entire dashboard missing. ... A: I agree with your husband. If you husband is still paying off a car loan then any procceds from a ... | |
| Car Accident | 4/28/2005 |
| Q: My daughter was in a car accident. The person who hit her told police that he was speeding and ran ... A: Lot of issues and questions. Unfortunately your duaghter's plight is not all that uncommon. ... | |
| insurance co. won't pay storage fees | 4/27/2005 |
| Q: My car was rear ended and was at the mechanics for 3 months waiting for the other party's insurance ... A: IF your car was rear-ender (in the traditional sense) WHY did it take the other party's company ... | |
| insurance settlement | 4/26/2005 |
| Q: Followup To Question - my husband, daughter and myself were at a red light when a company truck ... A: The fact that GA is a No Fault state CHANGES EVERYTHING. There are approx 15-20 No Fault states and ... | |
| stolen car | 4/25/2005 |
| Q: Had car stolen in Tucson AZ on Friday night and reported as soon as I noticed it missing on ... A: Suggest you "work" with your insurance compnay to agree on a plan of action that is equitable to ... | |
| insurance settlement | 4/25/2005 |
| Q: my husband, daughter and myself were at a red light when a company truck hit us from behind. my ... A: Never heard of Cotton States Insurance.... When you say $4,000 for specialist.. what type of ... | |
| insurance settlement | 4/25/2005 |
| Q: my husband, daughter and myself were at a red light when a company truck hit us from behind. my ... A: Lot of questions to start with.... What State are you in? Is it a No Faul state? If not, do you ... | |
| insurance claim Comprehensive | 4/20/2005 |
| Q: I made a claim with my insurance company progressive my claim was i had a crack in my windsheid from ... A: Keep in mind that the cracked w/s and the keyed paint job will be viewed as two separate and ... | |
| Car insurance | 4/13/2005 |
| Q: Ok, I just want to know what an SR-22 form is? A friend of mine received a letter stating that his ... A: Your friend must have been in an accident. An SR-22 is a form (yellow in color) that the police or ... | |
| My girlfriend drove through the parking lot and someone backed into her | 4/7/2005 |
| Q: I live in Texas, and I've been having a problem with "the other party's insurance". The other day ... A: I answered this question YESTERDAY but then my ISP crapped out and I couldn't send my reply so here ... | |
| AUTO INSURANCE | 4/5/2005 |
| Q: ON A COMP. CLAIM CAN YOUR INSURANCE COMPANY MAKE YOU INSTALL AFTERMARKET PARTS INSTEAD OF OEM PARTS. ... A: The answer is .. it depends. After-market parts will often be used on cars after they reach a ... | |
| Claim Question | 4/2/2005 |
| Q: Followup To Question - Hello. Recently (last Friday) my brother was involved in a fender bender. ... A: OK.. Now I've got it.... This is a near classic 50/50 because I can see where BOTH driver's ... | |
| Claim Question | 4/1/2005 |
| Q: Recently (last Friday) my brother was involved in a fender bender. He was turning left on green (the ... A: For starters there is NO such thing as an accident that is no one's fault.. if that were the case ... | |
| Claim Question | 4/1/2005 |
| Q: Recently (last Friday) my brother was involved in a fender bender. He was turning left on green (the ... A: I'm confused... what do you mean by filter light? Was the other car traveling on the same ... | |
| Who's at fault? | 3/30/2005 |
| Q: In a.m.rush hour traffic at about 40 mph, there was a truck to my left, in the center lane, that had ... A: Unless you have indisputable evidence to the contrary (e.g. an independent eye-witness) then I fear ... | |
| Who's at fault | 3/28/2005 |
| Q: I was driving west bound, I m on a right lane traffic, all the vehicles on the this lane were ... A: From what you relate it does appear as though you are at fault. It appears as though the other ... | |
| choosing insurance company | 3/27/2005 |
| Q: I am considering switching my auto policy based on a recent quote I received from Geico, which did ... A: NEVER base any decision re Auto and/or HO insurance SOLELY on price. A CHEAP costing policy will ... | |
| Insurance Claim | 3/13/2005 |
| Q: My son was driving our Toyota Corolla when he saw an emergency vehicle with siren and sounds coming ... A: A police officer will normally not cite anyone for an accident unless they witness the accident or ... | |
| auto insurance | 3/7/2005 |
| Q: My Mini Cooper was hit by two shopping carts. (Three-four of the wolves were surrounding my lamb ... A: Forget your loss history or lack thereof... it has no bearing in the matter at hand. As soon as I ... | |
| household employee driving our vehicle | 3/2/2005 |
| Q: damage occurs while employee was driving our vehicle can her auto insurance cover the damage ... A: Need to clarify some things so I can help..... When you say "damage" is that damge to your vehicle ... | |
| CLAIM REJECTED | 2/19/2005 |
| Q: Im tired of being takin advantage of by insurance companines. My wife has had to accidents not her ... A: I've been in the P&C claims business 35 years plus and I've NEVER heard someone (like State Farm is ... | |
| dicey situation... | 2/7/2005 |
| Q: (California) -I let a friend use my car. It was registered to me but not insured. My friend said he ... A: In some states possession of a vehicle intended for sale places the onus for insurance (at least ... | |
| auto insurance | 2/6/2005 |
| Q: Our 18 year old son lives with us and will until he attends college this fall. He is covered under ... A: This is really a question for your agent or your company (underwriting)... You can attempt to ... | |
| auto insurance | 2/6/2005 |
| Q: My 18 year old son was involved in a minor fender bender. He is clearly at fault. Both parties ... A: You can always report the matter to your liability carrier... by always I mean up to say 7-10 days ... | |
| Windshield Repair | 2/4/2005 |
| Q: In your opinion, is there any reason to favor a dealer's auto body shop over a non-dealer body shop ... A: Depends..... With the dealer you will more than likely get a windshield glass that is OEM for your ... | |
| Stolen Car settlement paid car recovered | 2/2/2005 |
| Q: My car was stolen on Jan 18th. I filed the complaint with My insurance company (Progressive). After ... A: In order for Progressive to have sent you a settlement draft for the net (after your deductible) ... | |
| Auto Insurance Claim | 1/31/2005 |
| Q: Sorry for the confusion. The ACV according to them for the car is $4100. I have a $2000 deductable ... A: A BIG part of your problem is the SIZE of your deductible... keep in mind that is a CHOICE/DECISION ... | |
| Auto Insurance Claim | 1/30/2005 |
| Q: I hit a deer in my 2000 Escort. I have full coverage and comprehensive both with a 2K deductable. I ... A: A deer hit is covered under your Compreheniose coverage subject to the applicable deductible. If ... | |
| Approved claim now total loss?! | 1/30/2005 |
| Q: -------------------------Mr. Carranza, All I know is that I never had any problems with my engine ... A: DON'T SIGN ANYTHING for now regardless of what your company tells you... tell them that you are ... | |
| Approved claim now total loss?! | 1/30/2005 |
| Q: Maybe I did not make myself clear but this was my question to you. "Should not the WHOLE car have ... A: Iam assuming that the body shop was one YOU chose.... I will further assume that you signed an ... | |
| Approved claim now total loss?! | 1/30/2005 |
| Q: I live in FL have a 99 Dodge Intrepid (78,000 mi but in very good condition). It was stolen and ... A: Your diatribe is difficult to follow and more difficult to comprehend. First of all IF the vehicle ... | |
| exclusion from driving at work | 1/28/2005 |
| Q: I work cleaning houses for someone else and my insurance company said I would not be covered while ... A: The standard personal auto policy does not cover "business pursuits". Your driving from house to ... | |
| Uninsured motorists | 1/27/2005 |
| Q: I have full coverage on my vehicles including uninsured motorists. If someone uses my truck and has ... A: The key is who own's the car(s)... Most teens cannot get coverage under their own names... instead ... | |
| Uninsured motorists | 1/27/2005 |
| Q: I have full coverage on my vehicles including uninsured motorists. If someone uses my truck and has ... A: Anyone driving your insured vehicle(s) WITH YOU PERMISSION is covered under your basic liability ... | |
| IT'S NOT FAIR | 1/26/2005 |
| Q: Please let me explain a little more about what happend. I was driving south-bound and the other ... A: OK.. now I understand the facts... Even if the other car had cleared the STOP sign he/she still has ... | |
| IT'S NOT FAIR | 1/26/2005 |
| Q: I was driving straight when the Post Office trailer, who was trying to make left turn towards me hit ... A: What a tale of woe.... Yes, dealing with any self-insured entity is tougher than going the ... | |
| Auto insurance comprehensive claim affects on rates. | 1/22/2005 |
| Q: My 99 Ford Expedition was damaged by vandals while parked at a mall. The estimate for repair is ... A: Most (caveat) insurance companies look at loss history and divide it between At-Fault losses and Not ... | |
| insurance | 1/20/2005 |
| Q: I will have my 2001 Toyota Echo paid off in 5 months. I am considering dropping my insurance and ... A: By State law you are required (mandatory is the term used) to maintain a certain level of liability ... | |
| Car Insurance & Driver's License? | 1/17/2005 |
| Q: In order to have your Driver's License In Washington State, do you HAVE to have auto insurance? Or ... A: Not really familiar with Washington MV laws specifically but GENERALLY you do NOT have to have ... | |
| should i report to ins. company | 1/11/2005 |
| Q: Recently my friend was driving my car with permission and got into an accident with another vehicle. ... A: If I understand the loss mechanics right your friend (driving you car with permission) was ... | |
| "Limited right to sue"option | 1/10/2005 |
| Q: My Allstate policy states that I have The Limited Right to Sue Option. To increase to unlimited ... A: Dave Having grown up in NY (NYC) and having recently specialized in NJ case handling I can explain ... | |
| bullied? auto insurance claim | 1/7/2005 |
| Q: Recently, my brand (2 months old less than 3000 miles) new 2004 honda civic ex got rear-ended by a ... A: I agree with you in that as your vehicle is about as NEW as it can get that you are entitled to a ... | |
| insurance company can't determine liability | 1/1/2005 |
| Q: I was stopped and my car was rear ended in a 4 car chain reaction rear ender accident 2 months ago. ... A: On vacation and otherwise tied up.. Will make very effort to fully reply within the next 24 hours.. ... | |
| who's at fault? | 12/31/2004 |
| Q: My son (a new driver) was pulling into the driveway of a friends house where another one of his ... A: On vacation.. will reply in detail in 1-2 days.. hang on OK.. let's go.. The general "rule of ... | |
| Insuance Claim | 12/26/2004 |
| Q: A month ago I was rearended.pushed into the car in front of me.The driver that hit me didnt stop but ... A: You failed to tell me what State you are in and who the at-fault's insurance company is as well as ... | |
| Blue book value amount for totaled car. | 12/23/2004 |
| Q: I have a question on getting money for a car that was in an accident. The insurace is paying me the ... A: While you indicate that the accident was not your fault you do not state whether it is your ... | |
| Inadequate offer of repair costs from adjuster to repair stolen vehicle | 12/23/2004 |
| Q: My vehicle (5 year old Jeep Cherokee; excellent condition) was stolen 10 days ago. Thankfully it ... A: You fail to mention the name of your insurance company.. would have liked to have known that to see ... | |
| damaged engine after theft | 12/20/2004 |
| Q: damaged engine after theft What is the name of your state? Michigan Hello, My 1997 Mercury ... A: Lots of information provided and a lot of questions so let's get started..... CAVEAT - not fully ... | |
| what will be covered? | 12/15/2004 |
| Q: .i was at no-fault in the accident..the person who hit me is an aquaintance of mine...i filed a ... A: If you are correct in that the accident was NOT your fault then you should have no problem(s) with ... | |
| Uninsured Driver using my car? | 12/14/2004 |
| Q: Carranza, I own a car in Massachusetts with standard insurance. My boyfriend occassionally uses my ... A: Just about all personal auto insurance policies provide coverage to the Named Insured (you and you ... | |
Auto Insurance Claims
Answers by Expert:
Richard L Carranza
Top Expert on this page
Expertise
Any questions/issues dealing with either Personal Auto or Commercial Auto auto claims (Collision, Comprehensive, Total Loss valuations, Bodily Injury claims, Property Damage claims (1st and/or 3rd party), etc... I can help you understand your coverage(s) and help you present and persue your claim against your own insurance carrier or the insurance carrier of the "other party" involved...
Experience
40+ years+ in the Property & Casualty Insurance industry in various positions (from Claim Rep to Claim VP)
Previous #1 rated Expert in this catagory for AllExpert.com....
Organizations
Education/Credentials
BS Managerial Science - Manhattan College (NYC)
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