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About Doctor Settlement
(Top Expert on this page)

Expertise
27 years of front line plaintiff`s trial lawyer experience in PERSONAL INJURY INSURANCE CLAIMS. Along with other attorneys and insurance adjusters, we have created a website to help injured people settle their own personal injury claims. With the help from feedback from hundreds of satisfied members, www.settlementcentral.com has become THE AUTHORITY for Internet personal injury insurance claim settlements. I am humbled and honored if people can benefit from my experience and current volunteer work in helping injured people. I hope I can explain things in a manner that is useful for the questioner. If not, do not hesitate to e-mail me and I will take a second shot at it! Best Wishes for your physical and financial recovery.

Experience


Life Experience: 27 years of front line plaintiff's trial lawyer experience

Organizations:
American Trial Lawyers Association
Washington State Trial Lawyers Association

Publications: (Click on Title to Read)
Statute of Limitations
Vehicle Accident
Accident--Adjuster
Demand Letters
Policy Limits

Education/Credentials: J.D. (Juris Doctor) 1977

Awards and Honors: I am humbled and honored everytime I am selected to help injured people. And when people give feedback that they have benefited from my experience and current volunteer efforts, then that is a double honor and award for me.
 
   

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

Questions Answered By Expert  Doctor Settlement 
In Category  Auto Insurance Claims

SubjectDate Asked

What are the common evidentiary traps?11/9/2009
  Q: What are the common evidentiary traps that the insurance lawyer will use and how to avoid them in ...
  A: Since you gave me no idea about your circumstances, I have to give you a shotgun answer: hitting on ...
Time to Settle from Rear End Collision10/30/2009
  Q: On June 2nd 2009 I was rearended coming off and off ramp from a freeway. I felt fine the first day ...
  A: First off, I assume that this is cash in your pocket, correct? In other words, your own insurance ...
Policy Limit Settlement10/25/2009
  Q: Ten months ago I was injured in an auto accident in which my shoulder was dislocated. I was not ...
  A: Congratulations on earning a large policy limits settlement. Your questions will cover most—BUT ...
pedestrian accident10/2/2009
  Q: In March of 09, I was stuck by a truck while crossing at a crosswalk with the right of way. The ...
  A: It must have been quite a shock to get hit so suddenly, without any kind of warning. I hope that ...
auto accident10/1/2009
  Q: A year ago I was in an auto accident, although the damage to my car was not severe, I have so far ...
  A: I am very sorry to hear of your serious bodily injuries. You must be suffering daily, and I do hope ...
auto accident: FIGHT for RIGHT versus Insurance9/6/2009
  Q: My 22 yr old daughter was recently in an auto accident. She lives on her own and has a small child. ...
  A: Good for your daughter that she has chosen to continue in school and work, with a child too. Let's ...
NON-CONTACT INJURY9/5/2009
  Q: SOUTHERN CALIFORNIA. I was walking along a bike path on the left side of the road. The road was in a ...
  A: Yes, you can and should file a claim, or maybe two: one versus the tortfeasor and maybe one versus ...
Forced to pay auto insurance8/23/2009
  Q: I recently got into an accident and lost my car, so I added my self to my brothers plan to drive his ...
  A: Dr. Settlement knows auto accidents and litigation to recover for bodily injury insurance claims. ...
Loss of use allowance8/7/2009
  Q: Involved in wreck July 1st. Other party was showed at fault. On July 31 his insurance call us with ...
  A: It is VERY frustrating to have to go through even the vehicle part of a claim. And you do not get ...
permisive in louisiana8/6/2009
  Q: i was in a accident 7 mnts. ago, the other driver was at fault. the vehicle i was in belonged to my ...
  A: From what you tell me, I am guessing that you have tapped the tortfeasor's insurance and now you are ...
Passenger in auto accident--WORKERS, COMP?8/5/2009
  Q: While riding with my employer to get work supplies 06/25/2009 we were driving on I70 towards ...
  A: Sorry to disappoint you, Tony, but in your case, legal issues require me to recommend an attorney. ...
Should the claimant concede?7/21/2009
  Q: Although you have answered my three questions, I still do not know what is the claimant option if ...
  A: Zilch, I think that you give a little and she gives a little and then she says "no mas". If you ...
person claim settlement7/20/2009
  Q: I was involved in a head on collision on February 15, 2009 by boyfriend was driving my car and is at ...
  A: No one can ever answer your question with so little information. It would be like throwing a dart ...
Is it necessary to make counter offers?7/19/2009
  Q: When the claimant makes his demand with all supporting documents provided, do you think the at fault ...
  A: First, thank you for the feedback you gave for the two answers I already provided. Well, if both ...
What is the option if the insurance does not want to pay the demand?7/18/2009
  Q: Having submitted a demand letter with a detail description of the pain and suffering as you ...
  A: Zilch, I wish there were some good answer or rule of thumb I could give to you, but the responses ...
What is the option if the insurance does not want to pay the demand?7/17/2009
  Q: Having submitted a demand letter with a detail description of the pain and suffering as you ...
  A: You ask a very good question since most claims do hit a point like this, and from the perspective of ...
Reasonable Settlement.7/16/2009
  Q: I'm having trouble deciding on a reasonable settlement for my auto accident. I was rear ended while ...
  A: Chris, Thank you for the generous feedback you left for me. I really appreciate that. ...
Reasonable Settlement.7/15/2009
  Q: I'm having trouble deciding on a reasonable settlement for my auto accident. I was rear ended while ...
  A: I am going to give you a lot of reading material: free legal insurance claim information from ...
Motorcycle Accident7/14/2009
  Q: I was involved in an accident with another vehicle. A truck pulled out in front of me and I hit him ...
  A: I am sorry to hear of the injuries to you and especially to your wife. Although Dr. Settlement is ...
Hit while on a motorcycle7/13/2009
  Q: First thanks for taking the time to give me your advice. My name is Jessica and I was just in an ...
  A: I am sorry to hear of your terrible experience. And one can surely understand that there would be ...
Accident Claim letter6/20/2009
  Q: My son was driving my car that was register and insuresd by my sister. He had a friend in the car ...
  A: I cannot understand your question, so I will line out your sentences one by one and ask for you to ...
DO NOT Give Adjuster Your Social Security Number6/19/2009
  Q: Do i need to provide the at-fault party's insurance company with my social security no. while ...
  A: NO—DO NOT give your Social Security Number to the insurance adjuster for the tortfeasor. She IS NOT ...
i got served6/12/2009
  Q: i was wondering what the penalties would be in my situation. early last year i had got into an ...
  A: First thing is to make a written Answer for the court so that they cannot get a default judgment ...
parking lot5/29/2009
  Q: So yesterday i was parked perpendicular to some parking spots that are in front of a building i was ...
  A: The rules of the road prevail over the question of whether or not you were parked illegally. If ...
insurance claim denied5/28/2009
  Q: I am a texas resident who was rear ended on my back driver's side and trunk going 65mph by a dump ...
  A: It is hard to answer your question precisely since you never let me know: (1) whether you sustained ...
80 yr old mom in wreck5/27/2009
  Q: My moms 99 escort was blasted this labor day and looks to be totaled. They took her to the hospital ...
  A: Dave, Thank you for the nice feedback. I appreciate that. Yes, by all means DO settle the ...
Insurance Payment Delayed 10 Months5/25/2009
  Q: So where's my money? I have been waiting way too long for a settlement, about 10 months to be exact ...
  A: It sounds like you are very frustrated, and apparently for good reason. That frustration shows in ...
How does a case go to the court?5/24/2009
  Q: The at-fault driver’s insurance does not want to pay the full amount but make a low offer. There is ...
  A: but you caught Dr. Settlement in the middle of my Memorial Day vacation. Just happened to login ...
liability for acult son if there is a car accident5/12/2009
  Q: Our adult son-age 22- is covered under our family car insurance and he drives one of our cars. if ...
  A: I will give a simple answer and then a looooong but legally correct answer. First off, it REALLY ...
Injury Amounts for Auto. Accident Claim5/11/2009
  Q: I was involved in an auto. accident of which the other driver was 100% at fault. Rear end collision ...
  A: I think two things here: (a) you need to take a look at the risks of early settlement of your claim; ...
Fake deadline on insurance offer5/8/2009
  Q: I am dealing with the insurance company regarding my persoanl injury settlement. Their inital offer ...
  A: The adjuster is just trying to close her file and she is using both the "carrot" of $500 and the ...
Who Should Offer First: Claimant or Adjuster?5/5/2009
  Q: This is regarding to the auto accident personal injury claim. Do you always demand first or let at ...
  A: We attorneys ALWAYS want to make the first offer. This is true in EVERYTHING done in any ...
Injury Attorney's help with the damage portion5/4/2009
  Q: I recently was involved in a car accident in which the other driver was at fault. My older car was ...
  A: It sounds like you might need professional help with the property damage claim as well as the ...
settlement5/3/2009
  Q: I was in car wreck. other at fault. I have broken neck and c4 and 5 are pushed into one another. ...
  A: No, you cannot sue the tortfeasor after you sign a release. And his insurer will not pay you his ...
Auto/cycle crash5/1/2009
  Q: While riding my cycle a person pulled out in front of me and I only had two choices. Lay it down and ...
  A: I do not have a ready answer since I do not know what state has such a strange law: it sounds like ...
Pedesdrian Struck by Car4/30/2009
  Q: I was struck by a car and received minor leg, back, hip injuries. I started physical therapy. I ...
  A: I am sorry to hear of the untimely death of your husband, and I can surely understand why other ...
Claim4/15/2009
  Q: I saw your previous answer regarding a calculation of compensation in a personal injury claim. Since ...
  A: There are two other experts here that can also shed some light. Maybe they believe that they can ...
Accident liability--driveway damage H's business car4/14/2009
  Q: I backed into my husband's business owned car in our driveway. I was driving our personal car. My ...
  A: You are responsible for the damage, not your husband and his partners. If you had no insurance, ...
Is a court record sufficient to prove the fault?4/11/2009
  Q: I knew a police report is inadmissible in a court though it maybe helpful. I got a court record that ...
  A: Yes, it does sound tempting to put in evidence, doesn't it? But the word "guilty" means nothing ...
Is a court record sufficient to prove the fault?4/10/2009
  Q: I knew a police report is inadmissible in a court though it maybe helpful. I got a court record that ...
  A: You did a good job to learn about the officer's report. Let's review what you learned in case ...
Help with a Auto-Insurance Claim against me.3/31/2009
  Q: Well, let me start by saying forgive me if I don't get everything correct. I have little to no ...
  A: David, I am revising my answer to you in four ways. FIRST, I wanted you to know that if you do ...
Wife and two boys t-boned @ 60mph3/28/2009
  Q: My wife and two boys were in a recent automobile accident. They were t-boned on the driver's side by ...
  A: My first advice is to totally ignore any idea of settling the personal injury claims at this time, ...
offer of 80,000 how to negotiate w/o lawyer3/27/2009
  Q: good morning, statue of limitations is 3/31/09!! auto accid. settlement for pass. offered 80,000 doa ...
  A: I will try to be as kind as possible, but it is going to be difficult. You have squandered any ...
20%at fault3/1/2009
  Q: My wife was involed in car accident,WHERE A CAE MADE A LEFT HAND TURN IN FRONT OF HER AND SHE HIT ...
  A: NO THEY CANNOT DO THIS IF YOU STAND UP FOR YOUR RIGHTS. This is a nationwide scam started by ...
Demanding2/17/2009
  Q: I have finished all my treatments for the soft tissue injuries from the car accident. The at fault ...
  A: I say that you include the entire bill of $1,800. That is your "direct answer" you asked for. If ...
Demanding2/16/2009
  Q: I have finished all my treatments for the soft tissue injuries from the car accident. The at fault ...
  A: Ruo, Forgive me if I misspelled your name inasmuch as last time it appeared as Rou. Anyway, I am ...
changing the trial date2/15/2009
  Q: I just.had a mediation.my lawyer was using a scare tactic to make me accept alittle settelment.I ...
  A: SECOND FOLLOW-UP ANSWER---NEEDS IMMEDIATE ATTENTION Hi Ahmed, Thanks again for the good feedback. ...
unfair settelment2/14/2009
  Q: I just.had a mediation.my lawyer was using a scare tactic to make me accept alittle settelment.I ...
  A: I am sorry to hear of your affliction. Bottom line: I want you to get a second legal opinion ASAP. ...
Blown Tire Negligence? Attorney Needed2/13/2009
  Q: I got in a accident on dec 12, 2008. sinlge car accident in a suburban, 9 passengers involved. I ...
  A: As you probably read on www.allexperts.com Dr. Settlement teaches self help personal injury ...
Accident compensation and counter-offering...2/12/2009
  Q: I have been going through a claim with an insurance company because of an auto accident I had nearly ...
  A: Personal Injury Auto Insurance Claims http://www.settlementcentral.com/page0452.htm Statute of ...
Accident few injuries- driver under 18 at fault2/11/2009
  Q: On 1/27 I was broadsided by a driver as she made a right turn from the median in front of me. No, ...
  A: Dr. Settlement teaches maximum insurance settlements, and one of the first lessons I teach is to ...
insurance claim dispute1/31/2009
  Q: I was in an accident on Dec. 11, 2008. A car turned in front of me and I t-boned his car. I was ...
  A: This kind of insurance adjuster BS response is what makes Dr. Settlement want to volunteer to help ...
What to do if no concession?1/30/2009
  Q: I was injured in a car accident. I filed a personal injury claim with the at fault insurance upon ...
  A: Ray, 1) No, we do not hold back valuable info on purpose. But there is ALWAYS going to be ...
What to do if no concession?1/29/2009
  Q: I was injured in a car accident. I filed a personal injury claim with the at fault insurance upon ...
  A: It is surely frustrating to get lowballed by the adjuster, but that is what happens most of the ...
Negotiating with adjusters!! HELP!!1/28/2009
  Q: I was involved in auto accident in which I was t boned by a vehicle that ran a red light. Was ...
  A: 'da boss here at allexperts has asked us to avoid getting in the middle of giving people negotiation ...
Rear ended1/15/2009
  Q: About a year I was on the highway and traffic slowed down but the guy behind me wasn't paying ...
  A: It would be wrong for me to even speculate on the value of your claim, given the lack of ...
turning left into intersection after a stop sign1/13/2009
  Q: i was turning a left in an intersection i have a stop sign . after i stopped for few minutes to let ...
  A: This case seems simple enough, but leave it to attorneys to make grey areas out of what looks to the ...
Daughter involved in a car accident1/12/2009
  Q: My 19 year old daughter was involved in a head-on collision in CA. The police report found her at ...
  A: First, I hope that your daughter was not injured. Second, you did the right thing to disclose the ...
auto injury to 17 year old daughter resulting in a fractured sternum1/4/2009
  Q: My daughter was involved in an auto accident on dec.13 2008. she was traveling southbound on hwy37 ...
  A: Well, your daughter has a good Mom who is wise enough not to sign off on a settlement too soon. ...
auto accident / full torte limits1/3/2009
  Q: I was involved in a rear end collision during white out conditions. I was stopped with my 4 ways on ...
  A: It sounds like you live in a no-fault state and that you have WISELY PURCHASED THE FULL TORT ...
third party bodily injury claim1/2/2009
  Q: I was involved in an auto accident at the fault of the other driver. The at fault driver's ...
  A: Have you seen how Dr. Settlement helps teach auto accident victims how to settle their own personal ...
Competing Claims Dividing Policy Limits -- minors protected12/25/2008
  Q: My family was involved in a bad accident which resulted in our vehicle being totaled-- we were all ...
  A: Likely you know by now that Doctor Settlement teaches auto accident victims how to settle their own ...
back sprain settelment12/24/2008
  Q: I was involved in an auto accident several weeks ago. The other driver came across 4 lanes on a ...
  A: Rather than take a stab at something I would only be guessing at, I am going to give you a four part ...
Other party claiming bodily injury12/23/2008
  Q: I was involved in a car accident where I was deemed at fault by my insurance carrier. To make a long ...
  A: Relax and enjoy a good Christmas and New Year without a thought of any adverse consequences of your ...
Insurance dilemma12/21/2008
  Q: in october 08, my sister was driving my car and this person who was making a left turn hit the car. ...
  A: You already know the answers to each of your questions, but you are afraid to admit them to ...
attorney unprepared for trial pushes low settlement?12/20/2008
  Q: i was hit from behind sitting at a red light it has been 2 years (i havent had the best ...
  A: dr, Thank you for the nice comments in feedback. That means a lot to me. Now, let me try to earn ...
Storage Fees at Collision Shop12/19/2008
  Q: I was recently in a car accident. Initially, the insurance adjuster indicated that the car can be ...
  A: NOPE, it is solely the responsibility of the insurance adjuster who (1) negligently misjudged the ...
attorney unprepared for trial pushes low settlement?12/18/2008
  Q: i was hit from behind sitting at a red light it has been 2 years (i havent had the best ...
  A: Dr. Settlement has faced personal injury trials where I have forced a settlement on my client. ...
single car wreck12/17/2008
  Q: My mom lost control and rolled her car. Her husband died in the wreck and she had hard injuries ...
  A: Christy, Thank you for your nice comments in the feedback. I appreciate that. If there is no ...
single car wreck12/16/2008
  Q: My mom lost control and rolled her car. Her husband died in the wreck and she had hard injuries ...
  A: Please accept my sincere empathay for this tragic accident. It must be very rough on your Mom. ...
Pedestrian Accident12/15/2008
  Q: I am the pedestrian that was hit by a car during my lunch break. I suffered a strained knee (with ...
  A: Daniel, and thanks once again for the nice feedback you left for me. I think that both of us need ...
Response to adjuster's letter12/14/2008
  Q: Settlement: I just received a response to my demand letter from the at-fault adjuster. The letter ...
  A: Violeta, While I have enjoyed helping you in the past, tonight I am going to give you a spanking ...
insurance settlement for wreck12/13/2008
  Q: I was involved in a car wreck 3 weeks ago and my insurer just informed me that they will be writing ...
  A: What you paid to drive the car until the accident is NOT compensable. You would have lost that ...
theft12/12/2008
  Q: I was told that if husband and wife had both there names on car insurance then one could not claim ...
  A: Either of you can report a car theft. There is no problem whatsoever with either of you making the ...
Another parking lot accident...12/9/2008
  Q: I went over the past questions and your answers were very informative but I have anothera woman ...
  A: Udi, Thanks for the very good feedback; I appreciate that. I am going to give you some verbiage to ...
Another parking lot accident...12/8/2008
  Q: I went over the past questions and your answers were very informative but I have anothera woman ...
  A: You are in good shape on both the issue of speed and the question on timing of reporting it to her ...
Am I liable if I had no insurance?12/6/2008
  Q: I was rear ended. At the time of accident I had no insurance coverage. The person at fault filed a ...
  A: You have NO LIABILITY to that other driver or his insurer. You are NOT liable for the damages ...
Parking Lot Collision12/4/2008
  Q: My wife was leaving a retail store parking lot, driving straight down the lane to the road, and ...
  A: First off, let's be sure to convey to all who are involved in your wife's case that the RULES OF THE ...
bodily injury--insurance early settlement12/1/2008
  Q: My husband was rear ended while sitting at a red light. The F-150's frame was bent and the vehicle ...
  A: That seems like a very low offer, given the facts of injury as you state them. I think you are ...
pedestrian/coverage11/28/2008
  Q: In Feb. 2008, I was crossing a street from a school and was hit from behind by a person coming out ...
  A: I am sorry to hear of your hard crash to the ground where you struck your head. I am also sorry ...
vanderlism claim11/26/2008
  Q: I have 2008 Ford F-350 that runs on diesel fuel. Shortly after fill-in up with disel(still have the ...
  A: That is a frustrating dead end to reach, but I am not going to be able to provide much relief for ...
Car accident scam??11/25/2008
  Q: I was exiting a gas station, driving a 10-year old Camry, and a truck pulled out in front of me. As ...
  A: There are three things to do, and you need to do them in writing. What is at stake here is not just ...
Disclose all Medical Records11/24/2008
  Q: I have a major claim, I was pregnant and went into early onset labor at 35 week following a car ...
  A: I hope that nothing went wrong with your baby, and I am approaching your answer on that basis, ...
Car Accident in Private Parking Lot11/22/2008
  Q: I recently got in a car accident a couple weeks ago where another car backed into my car while my ...
  A: This appears to be simple at first, but I am going to put in a little time for you because there can ...
Releasing Policy Limits11/14/2008
  Q: I was involved in an accident with a motorcyclist, and was found to be 100% at fault by my insurance ...
  A: I can tell that you are worried, so I am going to put in some extra time for you to let you know NOT ...
UIM11/11/2008
  Q: My car along with 5 others were damaged and or totaled (mine $7700) in a university parking lot in ...
  A: HOLD UP ON SMALL CLAIMS PENDING REVIEW OF YOUR FILE. Your simple case should have a simple result. ...
Insurance keeps requesting for the bills etc11/9/2008
  Q: This is regarding to the BI claim. The at-faulty insurance keeps requesting for the medical bills, ...
  A: It is your choice when to submit both the medical reports and the demand letter. But as for the ...
PEDESTRIAIN HIT BY CAR11/7/2008
  Q: I WAS HIT BY A CAR AS I WAS WALKING ON THE SIDEWALK. THE DRIVER WAS HALF WAY INTO THE STREET AND ...
  A: Daniel, Thanks for the great feedback. I appreciate that. Here is the deal with workers' comp ...
PEDESTRIAIN HIT BY CAR11/6/2008
  Q: I WAS HIT BY A CAR AS I WAS WALKING ON THE SIDEWALK. THE DRIVER WAS HALF WAY INTO THE STREET AND ...
  A: Any tort committed by a third party while you were in a work status entitles you to both a workers' ...
Car accident, uninsured, who is at fault?11/5/2008
  Q: My name is Kyle Murray. A few months ago i was involved in an accident. I was in a parking lot in ...
  A: Your questions are all pretty much straight-forward at first blush, but there are two twists in ...
Back up damages11/4/2008
  Q: I backed up in a motorvehicle 3 days ago. Initially the only damage notice was a cracked front ...
  A: I wonder if the victim might be trying to add some things onto your repair bill. Transmission ...
personal injury11/3/2008
  Q: I was in a car accident and the other driver was at fault, this happened in florida, my ...
  A: I think the attorney is correct; here is why. If your mother in law is a resident of Florida and ...
Question about providing proof of personal injury to at fault party11/1/2008
  Q: My boyfriend was considered at fault in an auto accident this past May. Unknown to him at the time ...
  A: This may sound like a simple case with so few facts recited, but leave it to attorneys (like Dr. ...
How to respond the low offer?10/30/2008
  Q: I was injured in an auto accident. The at-faulty driver insurance has already paid 100% of my ...
  A: The offer is always going to be less than you have demanded, and of course sometimes it is going to ...
No more treatments but still have pain10/24/2008
  Q: I do not think my back pain has been going forever after the treatments since the auto accident. ...
  A: Iuo, Thanks again for your nice feedback. I appreciate that, but maybe I did not earn it if my ...
Settlement with Auto Insurance10/22/2008
  Q: A couple weeks ago my boyfriend and I were rear ended. We were in my 2002 Honda Odyssey. I was not ...
  A: We are going to REALLY DIFFER on our approaches to this case, Jennelle. I am going to suggest that ...
No more treatments but still have pain10/21/2008
  Q: I do not think my back pain has been going forever after the treatments since the auto accident. ...
  A: I appreciate that. Now, if I could just get you to TAKE THAT SHOT!! You have done a good job of ...
Fair Insurance Settlement Amount10/20/2008
  Q: I was rear ended by a school bus in August 2006 and my attorney called me on Friday to say that the ...
  A: The first offer is just that: nothing but an opening. First offers insurance adjusters make Doctor ...
Valet damage but with proof.10/16/2008
  Q: To whom it may concern, I had a valet damage my car at a hotel. Unfortunately, I did not notice the ...
  A: Do NOT be put off on this claim by the bogus statement that you left the lot. Your action in ...
No more treatments but still have pain10/14/2008
  Q: I do not think my back pain has been going forever after the treatments since the auto accident. ...
  A: You have asked three excellent questions. #1. Should you take the shot, or is it just temporary? ...
Injury in a car accident10/13/2008
  Q: I was injured 11 yrs ago in a car accident, rear-ended by a semi and had a lot of soft tissue and ...
  A: I would NOT report the accident to my insurance, but I would get some mention of it to your doctor. ...
Parked Car Hit by Uninsured Motorist10/11/2008
  Q: About 9:30pm on a Monday, my car was parked in front of my house minding it's own business, when ...
  A: There are two ways to go here and small claims court would seem to be the best choice. So, yes, you ...
Wait or submission of the claim?10/9/2008
  Q: I have not been ready to file my bodily injury claim but the other car insurance wanted me to ...
  A: I appreciate that. As for waiting a year with no further doctor appointments: Ahh . . . . now you ...
Wait or submission of the claim?10/8/2008
  Q: I have not been ready to file my bodily injury claim but the other car insurance wanted me to ...
  A: You have a brilliant response to the adjuster's attempt to close the claim early. I cannot tell you ...
rental car accident9/27/2008
  Q: I had an accident with the rental car and I am added to my fiance Geico Insurance. Now, geico is ...
  A: We DO have an expert here who is a true insurance adjuster, and so you might also try him. Forgot ...
Small Insurance Claim9/26/2008
  Q: I was a passenger of an accident in CA in late July. My boyfriend and I had just left for vacation ...
  A: "B", Let me get right to the point: if you have had no continuing pains, then there is no need to ...
auto claim, other insured party not cooperating9/25/2008
  Q: i was recently in an accident involving a driver of a stage coach company while i was out of state ...
  A: I share your frustration because Doctor Settlement handled personal injury claims where the ...
Insurance Settlement - MINOR SETTLEMENT -- PARENTAL DUTIES9/24/2008
  Q: My daughter was a passenger in a car accident in July 2007. She was sleeping in the back seat at ...
  A: Yes, I agree, it is a real relief to see our children survive what could have been a real disaster. ...
What is the medical report?9/20/2008
  Q: The other car insurance adjuster wanted me to send her my medical bills and reports for a ...
  A: Yes, it is reasonable and necessary for the insurance adjuster to have the notes or office reports ...
Auto Accident Liaility question9/17/2008
  Q: I was in a auto accident that was the fault of the other person. I was injured and have mounting ...
  A: None of your questions can be answered unless one knows what state your accident jurisdiction is in. ...
DUI Driver Hit my Wife while she was riding a bicycle9/14/2008
  Q: and a driver driving under the influence of alcohol hit my wife from behind. My wife jumped out of ...
  A: It is always tough for Doctor Settlement on personal injury details inasmuch as the ole Dr. ...
Total Loss9/12/2008
  Q: I was in an accident there were no other vehicles involved. I called my insurance company they sent ...
  A: Your situation is going to be resolved depending upon your relationship with the lender. If you ...
rearend collision9/5/2008
  Q: I live in ca.I was recently rear ended by an unlicensed driver but he did have insurance.The other ...
  A: A three car accident is tough since you have a claim against only those who were negligent. If in ...
car accident9/4/2008
  Q: A little over a month ago I was stopped at a red light about to make a right turn when a car rear ...
  A: The tortfeasor's company is correct: they really cannot do anything for you since their insured will ...
Bus Accident9/2/2008
  Q: April 4, 2008 is was driving my children to school when a small school bus ran a stop sign and ...
  A: It is always difficult to see one's children injured, so we all hope that there is nothing of a long ...
co-owner-no insurance8/29/2008
  Q: My boyfriend is a co-owner of a car that he and his ex-girlfriend purchased over 2 years ago. Their ...
  A: Doctor Settlement is an expert on personal injury insurance claims, but I will try my best to sort ...
Minor car accident?8/27/2008
  Q: My car was recently hit in the parking lot of my son's school. The lady that hit us was backing out ...
  A: From your question I gather that you were not injured and that you are dealing only with minor ...
Policy Limits8/26/2008
  Q: Dr. I was recently in a car accident in April. The other party was found at fault. I was rushed to ...
  A: You have a VERY SERIOUS INJURY, and please get some good professional information before you take ...
pregnant passenger in boat accident exhusband drove his dads boat wont give insurance name or claim8/25/2008
  Q: Im a pregnant passenger in a head on totalled boating accident in Fairbanks Alaska my ex husband was ...
  A: Sorry to hear that they are giving you the runaround. I need to first ask two things. #1. Was ...
"Injury" Accident8/23/2008
  Q: I was involved in a minor car accident about a month ago where the other party ran a red light and ...
  A: No, you do not need an attorney, BUT you need to report these facts to your insurance company ASAP. ...
Diminished Value - Who Pays?8/22/2008
  Q: I live in California and was involved in a multi-car accident while stopped at a light. The ...
  A: Diminished value claims are allowed in California versus BOTH the tortfeasor AND in the first party ...
comprehensive deductable8/19/2008
  Q: I had a deer run in to my motorcycle in British Columbia last week. No injuries but the bike has ...
  A: Sorry to bring you bad news, but there is no legal theory upon which you can require your company to ...
medical bills--DRUNK DRIVER VALUE BOOST8/18/2008
  Q: Settlement, I was involved in an accident where the other driver was intoxicated 3X the legal limit ...
  A: I am going to first answer the question you asked, and then I am going to give you some information ...
NJ Auto Insurance Companies that violates HIPPA8/17/2008
  Q: What happen if the Automobile insurance company & Lawyers violates the HIPPA insurance law in new ...
  A: I am sorry to have to break the news to you that your entire medical record is in issue once you ...
2007 GMC YUKON8/15/2008
  Q: I HAVE A 2007 GMC YUKON FULLY LOADED WITH 5K MILES AND IT HAS A REBUILT TITLE I WRECKED IT WHICH IT ...
  A: I am a bit confused by how you stated the facts, so please try again to let me know some answers to ...
settlement options8/9/2008
  Q: Settlement I reside in California. I was recently rear ended about a little over a month ago by a ...
  A: First off, you were hit at such a high speed that the trauma your body suffered will produce long ...
Collision Damage--premium increase?8/7/2008
  Q: Last week when i am driving i had a flat tire to the car and as i couldn't control it i hit the curb ...
  A: I am going to ask you to consider getting this fixed without involving your insurance. OR, if the ...
Do I need a lawyer?5/6/2008
  Q: I was involved in an automoblile accident June of 2006. I originally thought there was no injury and ...
  A: Dr Settlement teaches self help personal injury claims at www.SettlementCentral.Com where insurance ...
Rear-ended by Over Weight Dump Truck5/5/2008
  Q: My husband and I were in an accident about 6 weeks ago. We are not in any hurry to settle things as ...
  A: I am sorry to hear of your serious injuries, and let’s hope that things are not as bad for you as I ...
Car Accident -- Not enough limits to cover my injuries5/4/2008
  Q: I was involved in a head on collision. The other lady was sited for failure to yeild and witnesses ...
  A: Sorry to hear of your serious spinal and nerve damage. These could be lifelong disabilities. In ...
car totaled while in possesion of auto repair shop5/3/2008
  Q: O.k. Short version. I dropped my car off at a nation wide car repair shop to fix the clutch. ...
  A: I empathize with your situation inasmuch as Dr. Settlement drives a Cadillac Fleetwood that is old, ...
Process of auto claim5/2/2008
  Q: I recently got into an automobile accident and the police determined it was the other driver's ...
  A: Since this is your first accident, let’s start with the basics: medical care comes first, and you do ...
Back injury thanks to the circus5/1/2008
  Q: Settlement, First of all, I would like to thank you for this helpful service, your advice is ...
  A: I can use all the good white light you sent. You have A VERY SERIOUS AND HIGH VALUE INSURANCE ...
Who is at fault? Should I file a claim.4/20/2008
  Q: I was involved in an accident yesterday. At the intersetion, I was attempting to make a left turn. I ...
  A: I am Morgan Jacobsen, a personal injury attorney at www.SettlementCentral.Com Since Dr. ...
Where they got to file the suit if collector want to file suit4/19/2008
  Q: I met with auto accident 3 years back (2005) in Florida . But now i am getting calls regarding ...
  A: I am Morgan Jacobsen, a personal injury attorney at www.SettlementCentral.Com Since Dr. ...
implied consent4/18/2008
  Q: My 16 year old unlicensed daughter took my car without permission and had caused an accident. My ...
  A: I am Morgan Jacobsen, a personal injury attorney at www.SettlementCentral.Com Since Dr. ...
Soft tissue car accident injuries4/17/2008
  Q: Soft tissue car accident injuries can be handled by people themselves as you suggested many times. ...
  A: I am Morgan Jacobsen, a personal injury attorney at www.SettlementCentral.Com Since Dr. ...
Soft tissue car accident injuries4/10/2008
  Q: Soft tissue car accident injuries can be handled by people themselves as you suggested many times. ...
  A: Sorry to see that your request sat for so long unanswered until I returned this morning from ...
hit and run on parked vehicle4/9/2008
  Q: there was a hit and run where the driver hit car parked behind mine. the owner of the car parked ...
  A: Sorry to see that your request sat for so long unanswered until I returned this morning from ...
Soft tissue car accident injuries3/28/2008
  Q: I got soft tissue car accident injuries. I immediately took the pictures that show the bruises, ...
  A: Bruises can be an excellent indicator of trauma that you suffered. By all means make copies and get ...
Should I complete the insurance version accident report?3/27/2008
  Q: I filed a claim with my own insurance after an accident. The insurer sends me a form to complete an ...
  A: Yes, you have to complete the report that YOUR OWN insurer sends to you. Do not worry about any ...
Soft tissue, chiropractor low offer, file lawsuit?3/26/2008
  Q: I've been talking to various attorney's besides the one I have because he wants me to settle and I ...
  A: I am going to address your use of chiropractic and how treatment costs are undervalued first. Then ...
Can attorney get more? BEST TO SETTLE IT YOURSELF3/24/2008
  Q: Do you think whether a lawyer can get more if handling the soft tissue injuries in an auto accident, ...
  A: Wow. Lou, you hit on some specifics in asking a great question. There are a lot of variables to ...
My car caught fire--comprehensive--auto body rights3/23/2008
  Q: My car caught fire due to an unknown reason; I've comprehensive coverage; is there any reason why my ...
  A: First, let us take a look at what your comprehensive coverage will pay for. Comprehensive coverage ...
Auto accident/whiplash3/22/2008
  Q: Here is my question, I was in an auto accident on Jan 20, 08 leaving Lafayette LA and driving with ...
  A: I am going to give you some homework since Dr. Settlement personal injury insurance claim ...
insurance3/21/2008
  Q: how can i delete a network from my network connection center. i am currently using window vista and ...
  A: Dr. Settlement is a wizard at insurance claim settlements, but I know next to nothing about network ...
Do adjuster settle claim by merits?3/20/2008
  Q: Do adjuster settle claim by the claim merits? What kind of merits? Like if the injury was cause by a ...
  A: Dr. Settlement has settled hundreds of personal injury claims, and I can state that the “merits” is ...
Pedestrian Accident3/19/2008
  Q: In Oct 2006, I was struck by a car while standing in front of my mother's car at a gas station. I ...
  A: This is why we JUST LOVE the insurance industry! What? They think you kicked the gas pump to get a ...
settlement amount3/18/2008
  Q: I had a car accident about 1.5 year ago. My medical treatment until today is about 15,000. The MRI ...
  A: It would be malpractice to even guess at a ballpark figure, given the absolute lack of information. ...
insurance estimate for repairs3/16/2008
  Q: MyI would like to have someone review the cost of repairs statement from an insurance company. I ...
  A: You did not ask about it, but I would first truly explore the prospects of reinstating your ...
at-fault decision by insurer for hitting trash on freeway3/15/2008
  Q: how do I fight my insurance company's claim that it was my fault that I hit a stationary piece of ...
  A: You are right to challenge this now inasmuch as you could win on either or both a definition of ...
Comparative Negligence Issue3/14/2008
  Q: you have 27 years of front line plaintiff’s trial lawyer experience in personal injury insurance ...
  A: Best to call your insurance commissioner in your state since some do not allow a suit if you are at ...
Comparative Negligence Issue3/13/2008
  Q: you have 27 years of front line plaintiff’s trial lawyer experience in personal injury insurance ...
  A: Ryan, Please forgive me if I got your question wrong inasmuch as parts of it make no sense. I ...
Comparative Negligence Issue3/12/2008
  Q: you have 27 years of front line plaintiff’s trial lawyer experience in personal injury insurance ...
  A: A police officer CANNOT testify as to who was negligent; hence her decision as to who was at fault ...
Car accident and NY Threshold2/29/2008
  Q: My entire family was in a van and rear ended by an out of state at 50 MPH. Thank God no one was ...
  A: Steve, Doctor Settlement loves animals, and I surely do appreciate the exceptional variety of ...
time to settle2/27/2008
  Q: I was rear ended sept of 06. I had car damage in the amount of 5500. The other drivers insurance ...
  A: Dr. Settlement has helped many seriously injured victims of auto accidents, and I count you among ...
Auto Accident2/26/2008
  Q: I would involved an a very bad accident this past weekend. I got a Failure to Maintain the Line ...
  A: It is difficult to know the correct answer with so little information, but I do like your chances of ...
Our tree fell on my neighbors Car2/25/2008
  Q: Due to some heavy ice in our area a tree on some property we own, fell and some of the branches hit ...
  A: I am sorry, but I have no experience whatsoever with tree liability. So I am going to suggest three ...
settlement2/24/2008
  Q: My SUV was totaled by another driver who was given a ticket for driving on the wrong side the road. ...
  A: Take the Initiative for Maximum Insurance Claim Settlements Hi Jay, You had a very serious ...
Is it necessary to negotiate with the insurance again after lawsuit filed?2/23/2008
  Q: Because the difference in the demand cannot be resolved and the at-fault car insurance closed the ...
  A: There is absolutely no requirement to lower your demand. Check with the small claims court, but I ...
Car accident claim-- aftermarket parts2/22/2008
  Q: I got a car accident. it is another party fault. She has liability insurance with Geico. and gecio ...
  A: The obligation of the tortfeasor (the party who hit you) is to restore your vehilce to the same ...
Auto Liability Coverage Question2/20/2008
  Q: Good Morning my question is involving my grandmother. She lives in FL and had a friend staying at ...
  A: Your grandmother has no liability whatsoever for the damage to the house, UNLESS she was negligent. ...
Personal injury getting bashed by doctors and insurance comapnies2/11/2008
  Q: I was a full time student and working fulltime to support college finishing my last year when I was ...
  A: Dr. Settlement, J.D. had many badly injured bclients like you in the past 29 years, so I have a ...
HMO Treatment bill valuation2/10/2008
  Q: I have been to my HMO doctor and physical therapy with co-pay of only $15 each visit. How would the ...
  A: One of the challenges of personal injury insurance law is that some very simple topics seem to have ...
Totaled Vehicle2/9/2008
  Q: I just got rear ended by a school bus and my truck is totalled. I have gap insurance and Im not ...
  A: The insurance company will pay the actual cash value of your truck, and no more. If you were upside ...
How should I go about to fight the claim??2/8/2008
  Q: I live in Illinois. I went to an auto shop to make a complaint about the damage done to my wheel ...
  A: Sometimes the easiest things become so complex, don’t they? Here is something that in a perfect ...
Injured Daughter2/7/2008
  Q: Our daughter was in an accident back in November and was rear ended while stopped for a school bus. ...
  A: It is really tough to see one’s child injured in an accident, and this injury is potentially ...
Get Opposing Party Attorney Letters to Your Insurer ASAP2/2/2008
  Q: I was involved in a accident at 415am driving to work. As I proceeded through the gated entrance to ...
  A: DO NOT TALK TO ANYONE OTHER THAN YOUR INSURANCE ADJUSTER. It is your obligation to deliver the ...
Questionable Insurance Company Practices2/1/2008
  Q: I have been a customer of the same insurance company in the state of Washington for more than 10 ...
  A: This sounds like an abusive practice to me. It also sounds like it was no accident, but of course ...
PIP QUESTION--IME denial & relapse 12 months later1/30/2008
  Q: WE HAVE A PATIENT WHOSE PIP BENEFITS WERE DENIED DUE TO IME CUTT OFF/MAX. MEDICAL IMPROVEMENT ...
  A: I am guessing that your boss is a chiropractor who is now being asked to resume treatments. Your ...
Choice of Auto Body Estimates, Stopping Chiro Treatments1/29/2008
  Q: I myself was in an auto accident oct 1, a teen with a 2 week license backed out of her garage ...
  A: Soft tissue injuries can be tricky in healing and then popping back up again once one starts to get ...
auto loan insurance1/23/2008
  Q: Do you have to carry full coverage insurance on a loan under $5,000.
  A: I would surely insure the value of the vehicle for at least the amount of your loan. But if that ...
rented car1/22/2008
  Q: My mother rented a car 6 months ago for me when my own car was under repair. At the time I had no ...
  A: This is a very frustrating situation, where nobody wants to put the whole picture together and solve ...
nicked a car parking1/18/2008
  Q: I arrived at my car yesterday and found a note saying I hit the car in front of me. I noticed a ...
  A: I would do three things in your case. First of all, contact your state insurance commissioner ...
Parents liable for excess damages1/11/2008
  Q: My parents recently became very concerned that if I am driving their car under their policy that ...
  A: You and you parents are smart to ask such questions, and also smart in the way your family has ...
injury accident1/2/2008
  Q: i was hit from behind by a drunk driver;the drunk driver's insurance company has accepted ...
  A: Dr. Settlement here--back to work after a LONG sickness. Sorry to leave you with no help for the ...
Insurance Claims1/1/2008
  Q: I was intentionally hit by someone one I knew who was using her Mother's car which is insured. ...
  A: Dr. Settlement here--back to work after a LONG sickness. Sorry to leave you with no help for the ...
complexities of wrongful death claims12/31/2007
  Q: how dose the payoff work on a death case does the insurance pay the full amount off the policy or do ...
  A: Dr. Settlement here--back to work after a LONG sickness. Sorry to leave you with no help for the ...
Interesting turn of events.12/28/2007
  Q: I was in a car accident, in Calgary Alberta, in my room mates car. I have a valid license but no ...
  A: Dr. Settlement here--back to work after a LONG sickness. Sorry to leave you with no help for the ...
Roll over accident; depression; brain injury; taking the initiative12/27/2007
  Q: An 18 wheeler wanted to change lanes, did not see me on his right, nipped my rear tire. This sent ...
  A: OK, Sam, Dr. Settlement is loaded with personal injury information for you and your husband, so ...
Auto Injury and Letters from the insurance company.12/26/2007
  Q: I was involved in a auto accident on the job. OJI is paying my salary for being off of course. The ...
  A: I am going to give you some help in making a full valued third party (that is the bad guy) claim, ...
set aside settlement?12/25/2007
  Q: My husband and I was ina amotorcycle accident last 8-2006.A 87 yr old guy,came out the parking lot ...
  A: Your situation breaks my heart because there is not a whole lot that can be done at this stage. ...
My 16 Year old son in accident12/22/2007
  Q: My 16 year old son was hit head on by a driver who admitted fault. My son was hospitalized for 16 ...
  A: You caught Dr. Settlement on vacation, so I am setting aside my Santa chores for today to access my ...
liability of co owner12/18/2007
  Q: In Texas, I was hit by a drunk driver that was convicted. The drunk driver had no insurance. I was ...
  A: I am sorry to hear of your injuries, and I do hope that you will be restored to good health soon. ...
third party claim--property damage preexisting problem12/17/2007
  Q: My car (1995 BMW 525i) was hit while vacant in a parking lot. The lady who hit my car found me and ...
  A: I guess that my number one choice here is probably not going to work. That would be to employ used ...
Hit and Run accident12/15/2007
  Q: My husband, myself, and our 11 month old baby girl were hit tonight by a driver who sped away from ...
  A: I am happy that your family was not creamed once you spun 180 degrees. Yes, by all means open your ...
Medical Information Release12/14/2007
  Q: I was involved in a motorcycle accident in September where the other driver was at fault and I was ...
  A: I would submit the medical releases since you do not have any worries about content. I would ...
hit a deer12/13/2007
  Q: I was driving and a deer ran in front of my car and i hi it. My car got damaged, about $5000 worth. ...
  A: Poor deer--poor Valerie, as that was really scary I will bet. Anyway, you need to make the claim ...
dispute my insurace offer12/12/2007
  Q: My car was involved in a related weather accident. My son was the driver, but thank God he is fine. ...
  A: I will give you some ideas of how to fight for a higher value at the bottom of my response, where I ...
How much should I get for my auto accident?12/11/2007
  Q: I was in a head on collision with a drunk driver (he crossed the center line) and shattered my right ...
  A: Dr. Settlement knows personal injury insurance claims forward and backward, but I still cannot ...
Permissive use12/10/2007
  Q: My son was given permission to drive a friends car. His driver's license was suspended in Ohio. He ...
  A: First off, the status of your son’s license should NOT affect his status as an insured under his or ...
Medical Information Release12/8/2007
  Q: I was involved in a motorcycle accident in September where the other driver was at fault and I was ...
  A: Those darn blank forms are a poor idea. If you had anything you did not want to be seen, then we ...
parking lot incident--collecting small property loss12/7/2007
  Q: Was loading my trunk(parked) when a lady whizzed in next spot and scraped my car, (I saw and heard ...
  A: You did a good job to track her down and get her name, etc. I think if you follow my instructions ...
medical release for my ins.12/6/2007
  Q: i was hit from behind. in the accident i hurt the radial nerve in my arm and am some bad pain. I ...
  A: No worries, my friend. You no doubt submitted one or more bills to your auto insurance and they ...
injury accident and need some guidance12/3/2007
  Q: California. First off, thanks in advance. I appreciate the assistance. I was involved in a ...
  A: No lectures here about speed and paying attention; instead I would learn how to forgive yourself so ...
4 car accident, not at fault, neck shifted12/1/2007
  Q: I was involved in a 4 car accident in SF, California. I was the vehicle in the front and did not hit ...
  A: Dr. Settlement knows that chiropractors can do wonders with soft tissue injuries. But for a ...
auto accident claim11/30/2007
  Q: There was $9000 in damage to my car. I fractured my ankle, bruised my face and hit my knee very hard ...
  A: That sounds like a horrific accident to experience. I hope you do heal and are restored to good ...
empoyer lost insurance check, won't cooperate11/29/2007
  Q: I was involved in an accident with my semi at the end of Feb. 07 during an ice storm and a level 3. ...
  A: We try to help. In your situation, the problem is: no one gives a darn to help you. What you have ...
Attorney NOT ENTITLED to fee: PIP CHECK11/26/2007
  Q: In August I was involved in an auto accident. I was at the chiropractor's office when an attorney's ...
  A: Dr. Settlement is an expert on personal injury attorney fees, and I think THIS STINKS! In all my ...
deduction for rebuilt title11/22/2007
  Q: My car a 94 cadillac was recently totaled while parked in driveway ! Vehicle has a rebuilt title ...
  A: Dr. Settlement, J.D. KNOWS insurance adjuster tricks, and how to make the best insurance claim ...
Avis rental car no fault claim11/21/2007
  Q: I was returning my Avis rental car and one of the managers backed up into my rent a car with an SUV. ...
  A: First off, please accept my apologies for the delay in answering your question. There was confusion ...
RV Fire11/20/2007
  Q: I purchased a RV last May for $469,000, and have had numerous electrical problems. Last month it ...
  A: Don, I have no knowledge of any right to bring a diminished value claim for a manufacture's ...
denied claim11/18/2007
  Q: I was recently in an accident. I was driving straight through a yellow light, and a women turning L ...
  A: Yellow light accidents are a "he said--she said" version of drama. It is hard to win. But YOUR ...
Michigan no fault law11/17/2007
  Q: I was involved in an accident where I hit a horse drawn wagon. Fortunately no one was hurt but the ...
  A: Since when is a horse wagon a motor vehicle? I think your insurance adjuster is wrong. You hit and ...
Daughter injured in auto accident; She was the passenger. How do we proceed with filing a claim?11/16/2007
  Q: We live in Florida. In the fall of 2004, while away at college, my daughter was the passenger in a ...
  A: First off, please accept my apologies for the delay in answering your question. There was confusion ...
Car Theft- estimator standards11/14/2007
  Q: I need to know the standards for evaluating a stolen vehicle for damage. There must be a set of ...
  A: Dr. Settlement is a personal injury attorney, so guess what---I have no idea how to answer this ...
accident not reported11/10/2007
  Q: My daughter was involved in an accident. Not her fault. The other driver pulled out in front of ...
  A: Yes, the insurance company is correct in that they cannot open a claim without the cooperation of ...
my car insurace claim.11/9/2007
  Q: I ended up having permanent damage. Herniated disk. Degenerative, etc. Lost the car and had to ...
  A: Attorney Communications Problems; Permanent Damage Dear Andres, Dr. Settlement does not like ...
How much is a fair settlement11/6/2007
  Q: Eight months ago, I was hit head on by a driver who crossed the center line into my lane while I was ...
  A: You are to be commended for reading www.SettlementCentral.Com insurance claim settlement ...
car accident--"at fault" threshold for raising rates11/4/2007
  Q: Driver rear ended me and accepted responsibility. Police did not write report at scene and told us ...
  A: Davis, I only agree with half of what the officer said. He is right to say that if you are not ...
how to know fair settlement11/3/2007
  Q: We were involved in (our being at no fault) accident were a man came into the wrong lane against ...
  A: Let’s hope that everyone gets fully healed up following this accident. I include in that hope a ...
scratches10/31/2007
  Q: As I was looking for parking, I backed into a parked vehicle. When the owner returned, he noticed ...
  A: I would have him get photos and a body shop estimate, WITH PERMISSION GRANTED for you to speak with ...
re shoulder strain10/29/2007
  Q: my husband is in the military. the only health insurance that i have is tricare with the military
  A: Is this part of your answer to a question I asked you. I looked over my answers for recent days and ...
insurance claim/who's liable?10/28/2007
  Q: What happened was i was driving along and and i took a right hand turn and just into the turn ...
  A: The party doing the maneuver in the roadway is at fault, unless you could have avoided the accident. ...
parking lot minor accident10/27/2007
  Q: The incident happened at a parking lot. The parking spaces are diagonal but one way. I am in reverse ...
  A: The first thing to remember about parking lot accidents is that the rules of the road apply fully to ...
How to claim someone else insurance when I do not have one?10/26/2007
  Q: I’m living in New Zealand. A car hit me from behind and ricochets on another. I do not have ...
  A: My "second mom" was a war bride from Wellington, and they lived across the road and had a son same ...
one car accident--hit a telephone pole to avoid deer10/25/2007
  Q: I was in a car accident on my way to work one morning by swerving to miss a deer and ended up ...
  A: Well, at least you did not have the deer come up thru the windshield, as almost happened to me. I ...
nine month delay in getting treatment after accident10/24/2007
  Q: I was involved in a car accident back in Jan 2007. I got rear ended. I was driving alone in a civic ...
  A: Well, it seems at least your typing fingers were not injured! That is quite a long history, but it ...
Attorney Competence with Fibromyalgia Proof10/23/2007
  Q: Iwas involved in a high speed collision defendants car was speeding lost control of his car hit my ...
  A: Yo, Roco, Thanks for the nice comments on the Feedback Forum. We all appreciate that kind of ...
Attorney Competence with Fibromyalgia Proof10/22/2007
  Q: Iwas involved in a high speed collision defendants car was speeding lost control of his car hit my ...
  A: I am sorry to hear of your severe injury. Let’s hope that you can get some treatment to be restored ...
Dispute of My Attoney10/21/2007
  Q: I had a car accident on 3/13/04- I was rear ended. I have a bulging disk C-4,C-5 and C-6. I have had ...
  A: I believe that you have done the right thing to write to me and it sounds like I can help you. But ...
no insurance? medical lien?10/20/2007
  Q: My Dad was driving along and stopped at a red light, a pick up truck hit him from behind. It been ...
  A: Your Dad has to use his own auto insurance in what we call a first party claim. They have the duty ...
doubt about the hit10/19/2007
  Q: my boyfriend was involved in a car accident. he delivered a pizza to a customer's house.he was ...
  A: There are two problems here: (1) can he prevail to defend the allegation that he hit the car? and ...
I'm being sued for $10,000.00 for bodily injuries.10/17/2007
  Q: I had an accident April 24,2006 with an under cover police officer. I was making a left turn on ...
  A: It sounds like you are in a pretty tough spot, and although I do not EVER condone driving without ...
insuarance wont pay to fix my car10/16/2007
  Q: My son was hit by a semi, semi driver sited and admitted he just didn't see my son on highway. Our ...
  A: Your question deals with a property damage issue, but I am also going to add a comment about your ...
Re: Visible Damage vs Actual Damage10/11/2007
  Q: Last night I was legally parked in front of a friends house on a one way residential street.(2001 ...
  A: Last question first: both the insurance adjuster and the auto body shop owner can distinguish ...
auto injury10/9/2007
  Q: My mother was invloved in a hit and run accident with a drunk driver, he was charged, is insured in ...
  A: I am sorry to hear of the injuries to your mother. They sound painful and may stay with her for ...
auto accident liability10/7/2007
  Q: Son drives car; registered owner is the dad; car insured by ex-wifes insurance policy; son lives ...
  A: Unless the owner of the car (that is Dad) was negligent in entrusting the car to the driver (i.e. ...
Insurance Scam?10/6/2007
  Q: Greetings, Today I was minding my own business driving in my lane, I noticed a car in the far lane ...
  A: First thing is to get to the police or state patrol that has the accident report forms that one has ...
3 car pile up, liability issue, DIY vs. hiring a lawyer, thanks10/5/2007
  Q: Settlement, I have read almost all the answers in this section; most of them are so educational and ...
  A: settlementcentral.com We try to have free information of some value for visitors, and of course ...
rear ended10/4/2007
  Q: I was rear ended in a car wash. It did some minor damage to my bumper and because of a constant ...
  A: First off, just call the adjuster and get some ideas of how to proceed. She will have some ...
Vehicle Accident10/3/2007
  Q: My husband was involved in a motorcycle accident. He was rushed to the hospital so he was not on ...
  A: The police version, together with your husband's testimony will carry the day. You MUST obtain the ...
auto accident no insurance in effect10/2/2007
  Q: I have a friend who recently rear ended an SUV(he drove a compact) She decided not to repair her ...
  A: This is like waiting for the other shoe to drop, isn't it? You are in essence asking me if in fact ...
LIENHOLDER RESPONSIBILITY10/1/2007
  Q: I PURCHASED A CAR FOR MY HUSBANDS EX-WIFE (FOR THE SAFETY OF THE KIDS) ANYWAY I WAS ON THE TITLE AS ...
  A: You were in the same position as the bank that finances a car and takes a security interest. They ...
Auto Insurance claim w/policy limit issues9/29/2007
  Q: I am a self-employed female who runs a small residential cleaning service. On 6/20/07 my employee ...
  A: SettlementCentral.Com. The answers to your personal injury UIM and policy limits questions are ...
at fault?9/28/2007
  Q: i was drving frnds car----was involved in accdnt. girl--made a u-turn hit me. ltn. police officer ...
  A: I will try to help, but your version of the facts is kind of mixed up, so you might have to let me ...
who's at fault? DAMAGES allocated9/27/2007
  Q: Car came from side street into main road in front of my son causing him to lightly bump car's rear ...
  A: Since you mention surcharge by your own company, I will aim this response at defending against a ...
loss of use9/26/2007
  Q: my policy (full coverage) has add coverage loss of use $25.00 a day/$750 max. does this cover ...
  A: Yes and NO. The answer is NO, if the "major repairs" are simply mechanical work, not the result of ...
coverage question-can i file a claim9/10/2007
  Q: i rented a truck for 3 days while my van was being repaired. i opted for the CDW collision damage ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
Rear ended by city bus9/10/2007
  Q: I was recently rear ended by city bus in california.Car damage 1,166, i also sufferd neck 2.4 mm ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
accident claim9/8/2007
  Q: I'll be very honest with my story coz I need an honest opinion also. I was in a car accident on July ...
  A: Anne, Please accept my sincere apologies for the delay in answering your question. I was not ...
screwed on a past claim9/7/2007
  Q: Settlement, I was involved in a car accident in Jan 06, where the other driver paused and then ran ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
Hit by car as a pedestrian9/7/2007
  Q: I was hit by a car while running last month. I was on the sidewalk at the time of the accident and ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
Backing accident into a commercial driveway9/7/2007
  Q: I was driving on a 4 lane county road with solid double yellow lines. There was a disabled vehicle ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
Add girlfriend to car insurance9/6/2007
  Q: I was going to add my girlfriend to my car insurance policy because we moved in together . But My ...
  A: AAA is correct. It is a general tenant of ALL INSURANCE--on buildings, on cars, on someone's ...
accident claim9/6/2007
  Q: I'll be very honest with my story coz I need an honest opinion also. I was in a car accident on July ...
  A: I would NOT FIRE your lawyer just now. But I would make him agree to make a demand letter within ...
50/50 liability9/5/2007
  Q: I was involved in an accident earlier this week and I need help to prove fault. I was headed ...
  A: but the best place to put those is in the feedback forum on this site. Let me answer the questions ...
unfinished parking lot accident9/5/2007
  Q: Last week I parked in the parking lot where I work. My firm rents a space in the building. The ...
  A: Premises liability is a tough call. Most people wrongly assume that property owners have duties to ...
Uncertainty of who is at fault9/4/2007
  Q: I was in an accident with two other cars car#1 was in front of me then suddenly pulls to the side of ...
  A: I am still with you on this, Jolene, assuming I understand the facts correctly. Anyone who enters ...
Same insurance company9/4/2007
  Q: I was pulling into a parking spot at a grocery store parking lot. The car next to me started ...
  A: You are absolutely right in two ways: #1 she is at fault #2 fight assignment of at-fault ...
Motorcycles Should ALWAYS HAVE FULL INSURANCE (B.I. & UIM)9/4/2007
  Q: do you need motorcycle insurance in the state of florida
  A: I have two answers for you: one based upon my experience, and the other based upon Florida law. May ...
Claims Settlement9/2/2007
  Q: I will try not to make this lengthy but I was hit in the rear by a p/u truck on 2/14/07. As both ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
Uncertainty of who is at fault9/1/2007
  Q: I was in an accident with two other cars car#1 was in front of me then suddenly pulls to the side of ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
car accident8/31/2007
  Q: i was in an automobile accident about a year ago! my car was a 95 Honda accord and was totaled. the ...
  A: Please accept my sincere apologies for the delay in answering your question. I was not asleep at ...
Pain in the Rear End8/23/2007
  Q: Dr. S, I was rear ended 4 days ago while at a stop in traffic. When I was hit, I was launched into ...
  A: Are the limits you cited for property damage or bodily injury? Usually 15/30 coverage means a ...
Auto insurance claim.8/22/2007
  Q: My vehicle was hit by a friend in his driveway.He issued a claim with his insurance company.I am ...
  A: YOU ARE ABSOLUTELY RIGHT! I made up these free information pages from my website. They have all ...
filing auto insurance claims8/22/2007
  Q: i was just recently in a car accident on monday 8/20/07 the at fault driver was takin to the ...
  A: If is usually OK to expect a couple of days for the tortfeasor's coverage to kick in when there has ...
car accident8/20/2007
  Q: my boyfriend was driving the car with myself in the front and 4 children in the back.the car only ...
  A: I do not know, Jackie, since I do not have the policy to look at. But you can call the agent who ...
stolen vehicle8/20/2007
  Q: My husband was in Memphis, TN on Febuary 10 when our 2005 Ford Explorer was stolen from his aunt's ...
  A: Your husband is under suspicion for fraud. The insurance company does not bring in an attorney to ...
Need help involved in a minor accident8/20/2007
  Q: I am a female driving after a STOP sign as soon I made a right turn, there is another left turn ...
  A: I think that you first need to prepare to give a statement to the police, if she did not already ...
Uninsured motorist8/19/2007
  Q: State of Texas: My wife, driving her car was struck directly into the passenger side of her car by ...
  A: NO, OTHER THAN A TICKET AND PROOF OF INSURANCE REQUIREMENTS, there will be no repercussions from ...
cervical disc: possible serious injury; tips on building claim value8/18/2007
  Q: I was the last car stopped in morning rush hour traffic and out of force of habit I looked in my ...
  A: You are asking two questions: 1) can you handle this claim yourself; and 2) how much should you ask ...
Had accident with no insurance, what are our options?8/17/2007
  Q: My wife had an auto accident. From what I was told by the police officer, and my wife, She pulled ...
  A: The property deal is done, so why worry about it? You delivered the money and they accepted. End ...
delayed manifestation & reporting of injury8/15/2007
  Q: My wife was hit head-on by an Alltate-insured driver who swerved over the center line (to say the ...
  A: Did you notice how I changed your title? It now states that we are going to address the fact that ...
Lawyer calling requesting payment-no police report8/15/2007
  Q: I was involved in a rearender on a rainy day while driving a friends truck which he didn't have ...
  A: Report the accident to YOUR insurance ASAP. You will be covered for negligence whilst driving ...
Negligent waving another car through8/13/2007
  Q: its a 4 lane road 2 going west and 2 going east. I was going west with the flow of traffic in the ...
  A: Anthony, this is NOT as bad as you think IF YOU TAKE ACTION TO FIGHT IT. Here is what will happen ...
loss wage/PI Claim8/12/2007
  Q: I was in a MVA on 12-31-06, not my fault. It was the other drivers. I had quit my job on 12-10-2006 ...
  A: I am going to have to ask you to clarify some topics so that I know all aspects of your claim are ...
Negligent waving another car through8/10/2007
  Q: its a 4 lane road 2 going west and 2 going east. I was going west with the flow of traffic in the ...
  A: The driver who hit you is at fault. You can claim versus her insurance. If she has no insurance, ...
Hit by a car while biking.8/10/2007
  Q: I was riding my bike the other day when I was side swiped by a lady making a turn. She knocked me ...
  A: You appear to be the driver who is in the right, and she appears to have failed in her duty to ...
Insurance compant not wanting to pay8/8/2007
  Q: I was involved in a accident on my motorcycle. The other driver who was driving a car was at fault ...
  A: Insurance companies are increasingly trying to screw over injured claimants by claiming that THEY, ...
negotiating with an insurance company7/27/2007
  Q: Two weeks ago I was in a minor accident. I was traveling on a one way street in the far left lane ...
  A: Assuming the owner really does have insurance, don’t worry about how to handle this minor problem: ...
Personal Injury & trasportation reimbursment7/27/2007
  Q: I was recently in an accident(Monday July 16th). It involved three vehicles. I was the last vehicle ...
  A: Most of us want to get on with our lives and so we do just as you and your wife have done: we shun a ...
The insurance company changed their mind!7/27/2007
  Q: I have a serious dilemma! My car was stolen in May, found in June, and in mid June State Farm ...
  A: Arnetta, You might have an enforceable contract for settlement of a claim IF you agreed with the ...
Insurance settlement7/26/2007
  Q: My son was in a car accident in August of 2002, his friend was driving. My son received an injury to ...
  A: Terry, I think your son still has an enforceable claim since the statute of limitations is tolled ...
automobile accident--UIM claim7/26/2007
  Q: My wife and I were in and auto accident on June 22, 2007 we were hit from behind and the driver of ...
  A: I assume that your own insurer was making you an offer on your own Uninsured Motorist Coverage (UIM) ...
PIP claims--How to do a thrid party demand7/25/2007
  Q: My mother was in an accident and was mildly hurt. she's been to the doctor several times. the other ...
  A: We are happy that your Mom was not seriously injured. But even mild injuries do bring pain and ...
COMMERCIAL POLICY COVERAGE FOR FAMILY MEMBERS7/25/2007
  Q: HOW WOULD FAMILY MEMBERS BE COVERED ON A COMMERCIAL AUTO POLICY. INSURANCE IS IN CORPORATION NAME, ...
  A: It is impossible to answer your question inasmuch as there are different corporate arrangements. ...
lawsuit involving fiancee vehicle7/24/2007
  Q: My question is back in 2004 i had insurance on the vehicle i own but at the time i was involve in a ...
  A: I think that you have a good case because the car was inoperable and under long term repair. Hence ...
Allstate stalling injury accident---"In Good Hands" Flipping You the Legal Finger!7/21/2007
  Q: 2-18-06 11:00pm icy country roads, teens cars parked along & stopped in middle of road bottom of ...
  A: Sorry to hear of your problems, Tess. You need help ASAP, so I would go to an attorney. We do have ...
Accident without insurance7/21/2007
  Q: I just received a ticket for not having insurance while driving. Basically I hit the guy in front of ...
  A: You have two questions and the easiest is the money due for the accident. Just make arrangements to ...
Other driver claims we are at fault.7/20/2007
  Q: While out walking, my 5 year old daughter *APPARENTLY* threw a small stick (approxamately 1/2 inch ...
  A: Tell them to stuff it. No small stick could cause a hole or even scratches if thrown by a five year ...
Diminished value claim7/20/2007
  Q: Recently I had auto accident where I was rear ended. I contacted their insurance company and ...
  A: This is a game some people play, thinking that the accident they caused will just go away. Wrong! ...
Insurance Settlement7/19/2007
  Q: I understand that this is a general question; however, I am wondering what I should expect out of my ...
  A: Be patient with me here, as I will go thru some early comments before I address your question ...
Do I have to report to my insurance if no claim is made?7/19/2007
  Q: A car stopped abruptly in front of me and I rear ended the guy. I called my insurance company ...
  A: I will answer your question, of course. But be sure to read my last paragraphs because I intend to ...
repair shop liability for car left ourside in unsecured area7/18/2007
  Q: ok i had my car taken to a shop down town and and in the process of it getting fixed the place left ...
  A: You are asking a contracts question, NOT an insurance question. If there is a contracts expert on ...
General Queries7/18/2007
  Q: Please answer the following: (Few of them might not be in your expertise, please ignore them if u ...
  A: You are right, I do not have the answers to your questions, but I can suggest places to find out. ...
Car accident resulting in shoulder surgery- help with claim7/18/2007
  Q: My children and I were in a wreck in Sept. '06. A teenager driving extremely fast lost control of ...
  A: Sorry to hear of your problems and also that your daughter was hurt. Let’s deal with her case first ...
Supplemental Claim7/17/2007
  Q: I was involved in an accident in Florida. My initial claim has been paid and my car is currently ...
  A: The set must be replaced IF AND ONLY IF they cannot find a match. I have NEVER known them to fail ...
$10,000 limit---pedestrian accident7/17/2007
  Q: My son was hit by a car in February of this year. He was crossing at a crosswalk, and was struck ...
  A: First thing, open your PIP claim with your own insurance. Assuming your son is a member of your ...
inadequate legal representation on personal injury claim?7/17/2007
  Q: First of all, thank you so much for the wonderful information that you offer and for your time and ...
  A: It is frustrating to hire a personal injury attorney who is not taking care of his files. Attorneys ...
valuation when med bills paid by VA--jurisdiction7/16/2007
  Q: I had a three car accident which the first car (no insurance driver) hit the second car which hit ...
  A: USAA has really gone downhill in recent years, according to a lot of posting on the Internet. ...
My insurer is going to drop me!!7/15/2007
  Q: My mother, step father and myself, all share a policy on three different cars, my mom was in an ...
  A: The insurance industry is the most abusive in America. It rips people even if they are the policy ...
Indian Reservation Premises Liability Case7/15/2007
  Q: My 70 yr.old dad tipped over out of a stool at an Indian casino.He was going to get up and get ...
  A: Sorry to hear about your Dad. I hope he gets his health restored soon. It sounds like he has a ...
valuation when med bills paid by VA--jurisdiction7/14/2007
  Q: I had a three car accident which the first car (no insurance driver) hit the second car which hit ...
  A: Since the uninsured driver is gone, your claim will be a combination of both your UIM and the second ...
Comprehensive claim coverage--screwed by insurance again7/14/2007
  Q: Sorry my situation is a little complicated, there are a few questions relate to cost, please bear ...
  A: Sorry to see that insurance screwed another victim. There are a lot of choices here that could be ...
Auto rear ended, no fault, who will cover my claims?7/13/2007
  Q: A guy rear ended me, my car damaged and I am getting medical treatment. Lets say: My insurance ...
  A: Firstwhy did you include "no fault" in your title? Are you in an official no-fault state? You ...
Car accident..7/12/2007
  Q: I was in a car accident ( Chicago,IL ) wasn't my fault, I had the right a way, well, when the police ...
  A: There are four ways to go after the money. You will use the state to be your collection agency. #1 ...
After bus accident soft tissue injury fibromyalgia7/12/2007
  Q: I stopped for a yellow light at the intersection when a bus slammed into the back of my car and ...
  A: You sustained some VERY SERIOUS long term injuries that could be termed a permanent disability. The ...
settlement offer, is it fair?7/11/2007
  Q: The insurance company has offered $1000 for settlement and told me she could only increase it to ...
  A: It is hard to know what is a fair offer or not. And that is even if the client is sitting in front ...
statue of limations- - state of accident, or state of residence?7/11/2007
  Q: I was in a car accident in the state of Illinois last May 26 2006. I was hit from behind and I ...
  A: You raise two issues: 1) statute of limitations; and 2) when to settle vis-a-vis recovery from your ...
moped insurance7/11/2007
  Q: how much does it cost to insure a moped in Upstate NY?
  A: I have no idea about the cost to insure a moped in your state. But I can tell you who will know. ...
blue book value--delayed injuries7/10/2007
  Q: i was in a car accident on 7/4 my boyfriend was the driver he was completely at fault it was a four ...
  A: I am going to answer your question first, but then I want to address potential injuries that can pop ...
Parking Lot accident7/10/2007
  Q: I was recently pulling into a parking lot feeder lane with rows of parking down both sides. I turn ...
  A: The rules of the road pertain in parking lots. No one can move his car unless he clears the way to ...
Insurance Claim Woes7/10/2007
  Q: My daughter and 11 month old granddaughter were hit head on in my daughter's 2003 Toyota Camry a ...
  A: It is hard to see our family members undergo such suffering. Let¡¦s hope things work out for your ...
wage loss7/9/2007
  Q: My question is I was hired by a tenp agency to start a job at a manufacturing company in my local ...
  A: Tough situation, Kevin. I would go and take the test NOW, ASAP. If you can show that you would ...
car insurance coverage6/29/2007
  Q: My son who lives with me has his own car and auto insurance policy and he might have to drive my ...
  A: This apparently simple question has a few tricks and turns we need to discuss, and part of the ...
Insurance Claim6/28/2007
  Q: He was hit while sitting at a red light.The person who hit him only have $50.000 worth of insurance ...
  A: Phyllis, Please check with your insurance company by phone, or with your lawyer, to find out how ...
Insurance Claim6/27/2007
  Q: He was hit while sitting at a red light.The person who hit him only have $50.000 worth of insurance ...
  A: I will answer your questions in the order you asked them. #1. “Can we go after his insurance ...
Totaled Vechicle Insurance Settlement6/26/2007
  Q: I live in Alexandria, VA and on June 16th I was involved in a 3 vehicle accident. A girl ran a red ...
  A: You are right to give thanks that there were no SERIOUS injuries. However, the fact that you have ...
Car Insurance--cancellation reasons not their business6/25/2007
  Q: Do I have to tell my insurance person what I've done with a vehicle I want to drop the insurance on?
  A: There is no reason I can think of why it would be any business of your insurance agent what you ...
At fault accidents---insurance rate increases6/25/2007
  Q: The 2nd day after purchasing a 2007 honda civic I backed it into a brick wall. This damage was ...
  A: Sorry to hear of your bad luck run with the vehicle damages. Just give thanks that these accidents ...
Un-insured driver and at fault6/24/2007
  Q: I was recently involved in an accident where the driver of a vehicle was at fault. I was stopped at ...
  A: Witnessing a death is tough and can stay with you, so please see a psychologist ASAP. Dr. ...
non permissive driver--small claims court action6/23/2007
  Q: Last October my son took out our ford truck with his friend and hit the rear right bumper of a Ford ...
  A: "reason: there was a confusion about the court date, thought it was 6/22/07 and thats when I came to ...
Lost Income for Self Employed6/23/2007
  Q: I was involved in a 3 car-rearend collision on 4/11/07. I was the lead car, waiting to turn left ...
  A: Making a lost income claim is a lot easier for those who work for someone else. All they have to do ...
Low-impact accident/pre-existing fibromyalgia6/21/2007
  Q: I was the passenger in a compact car parked in a drive-thru, we were backed into by an SUV pulling ...
  A: My heart goes out to you: I have represented a number of clients who had Fibromyalgia, and it makes ...
Do NOT MAKE6/21/2007
  Q: I was involved in an accident which was my fault. A car was stopped ahead of me at a light and I ...
  A: Well, Scott, I think it is time to bring in your insurance. That is what you pay them for, and this ...
Do NOT MAKE "informal" arrangements to settle small claims6/20/2007
  Q: I was involved in an accident which was my fault. A car was stopped ahead of me at a light and I ...
  A: There are a couple of things to think about here. First and foremost, PROTECT YOURSELF AGAINST ANY ...
No fault insurance Michigan6/20/2007
  Q: I was involved in accident where a flower delivery guy hit my car. I had no insurance at the time ...
  A: Please do not drive without insurance. What if someone really injured you next time? You would ...
what kind of claim?6/20/2007
  Q: My 14 year old son, who has not started drivers' education and without permission decided to try to ...
  A: Don’t be too hard on him: I made a couple of wrecks when I was young. Here are some choices in ...
Clear Diminished Value examples in case law?6/19/2007
  Q: Settlement, First, thank you for your excellent answer to my previous question. Your answer, along ...
  A: Richard, I am answering a list of questions waiting for me tonight in the order they came in, so ...
non permissive driver6/18/2007
  Q: Last October my son took out our ford truck with his friend and hit the rear right bumper of a Ford ...
  A: Don't despair: when I was 16 I also hit a car on my first attempt at driving. There is nothing ...
Determining Value of Total Loss Vehicle6/17/2007
  Q: My son totaled his 1995 Camry out of his state of residence. The insurance adjuster made and offer ...
  A: Well, now it is time to make a complaint to your state insurance adjuster ...
Addition to Previous Question re: 1995 Camry6/16/2007
  Q: My son hit a deer with the car, so no other autos, etc. Just a simple accident!!
  A: That can be scary. I hit a deer once, and it slid up and over the hood, and almost crashed thru the ...
Determining Value of Total Loss Vehicle6/16/2007
  Q: My son totaled his 1995 Camry out of his state of residence. The insurance adjuster made and offer ...
  A: I hope that your son was not hurt: totaling a car can involve a big impact and it is probable that ...
USAA -- not the same company as it used to be :-(6/15/2007
  Q: I'm a member of Settlement Central.com and you've helped me out here a few months back. I was ...
  A: Anna, I appreciate your comments in my private SCC email about how much www.settlementcentral.com ...
Recovery of medical expenses in NJ6/15/2007
  Q: My Wife and I were recently rear-ended. I have a $2500 deductible on my PIP coverage. However, I am ...
  A: It sounds like the injuries for both you and your wife will heal with treatment. Thus, neither ...
title question>?6/14/2007
  Q: I bought a car about a year ago, and never transferred the title in my name (I know.. I know) The ...
  A: As noted, this is a forum about personal injury insurance claims. I know nothing whatsoever about ...
Automobile liability6/14/2007
  Q: My daughter died driving someone else's vehicle recently and I want to know can my Grandson file a ...
  A: It surely is a terrible loss when we have to bury our own children. My prayers go out to you and ...
50/50 Claim6/13/2007
  Q: I was in an auto accident and my insurance company view the police report and rule the case no fault ...
  A: Well, as I said above, it would pay you to get off that 50% liability because Georgia does have a ...
deductible6/13/2007
  Q: My wife was hit from behind last weekend. The police report confirms that the other driver was at ...
  A: In direct answer to your question, the process is correct: your relationship with your own company ...
bus accident--Serious Injuries--Attorney Required6/13/2007
  Q: I was in a bus crash accident last year with a greyhound bus. Facts that have been discovered: 1. ...
  A: I am sorry to hear of your extensive injuries. And of course all of these injuries have subordinate ...
50/50 Claim6/12/2007
  Q: I was in an auto accident and my insurance company view the police report and rule the case no fault ...
  A: Because we do not know your state, I cannot answer your question. Most states do have comparative ...
parked car hit.6/12/2007
  Q: While backing out of the driveway of my mother in law's place (a condo corp considered as private ...
  A: Well, I don't have very good news for you. First, it makes no difference if the owner parked in the ...
Bogus comparative negligence---Low offer on 2002 car6/12/2007
  Q: I need to know if I am getting ripped off by my insurance company and thus need to hire a lawyer, or ...
  A: I think you are RIGHT and they are out of line. In the first place, any left turn in front of you ...
car totaled-- loan still on books6/11/2007
  Q: My car was recently totaled due to extensive hail damage. I still owe on a loan for this car. If I ...
  A: Dealing with a totaled car versus an existing loan on the books will require you to work with the ...
Parking Lot Accident6/9/2007
  Q: My son and his friend were backing out of parking spaces at the same time. We live in Michigan. This ...
  A: Send the letters to your insurance carrier ASAP, include a statement from your son regarding the ...
Police Reports and No Fault Insurace6/8/2007
  Q: Good Afternoon Sir, I was involved in an accident where I lost control of my vehicle and crashed ...
  A: You are DARN LUCKY you have not been caught. That is a crime you committed, and the best thing you ...
accident6/8/2007
  Q: I was recently in a 3 car accident. I was the third car (last one) i was on a 4 lane road, 2 going ...
  A: There are a lot of factors to consider here, and one of which is the speed at which you hit the ...
USAA injury claim6/7/2007
  Q: On 10/19/2006 I was on my way to work and was rear ended by Cindy Capretz who is insured by USAA. ...
  A: I am sick and tired of the insurance industry whining to the politicians about the need for ...
accident-lapsed insurance6/7/2007
  Q: I am writing on behalf of a friend who I am worried about. He was involved in an accident (he ...
  A: I would NEVER settle a claim myself without the advice of an attorney. Here is why. He may be ...
Involved in Auto Accident 7 years ago6/7/2007
  Q: I was involved in an auto accident over 7 years ago. I was driving in a funeral precession, was ...
  A: I am VERY CONCERNED about your apparent lack of preparation, and by some comments made about your ...
Auto Liability death claim6/6/2007
  Q: My 18 year old nephew was killed along with his 3 friends in an auto accident 5/26. His friend was ...
  A: I am sorry to hear of such a tragic loss for all families. You are right that no amount of money ...
Rear Ended by a Driver with Break Failure6/6/2007
  Q: I was rear ended by another vehicle while I was stopped at a red light. I called police and the ...
  A: Notwithstanding what you hear about too many claims for compensation, the laws of tort are limited ...
insurance6/6/2007
  Q: Im 17 years old and my mom called 3 insurance and what we want is that my paprents want me to be in ...
  A: It is almost always the case that teen drivers are included on their parents' policy if they are ...
To be nice or not to be nice?6/5/2007
  Q: Our driver took our company vehicle to a car wash. The car wash employee damaged the side of our ...
  A: It is good to cooperate and let the party at fault solve the repairs without reporting it to his ...
Auto Claim Denied (insurance)6/5/2007
  Q: My truck was stolen in march, and the insurance company denied my claim because of my recorded ...
  A: You need to set the record straight with the company. To do this, you will send a correction to ...
Am I eligible for Rental Car6/5/2007
  Q: I live in Michigan and met with an accident recently. I am sure that its not my fault and other ...
  A: Here are the basic RENTAL CAR RULES—REPAIR vs. TOTALED VEHICLE. I will discuss both, since you have ...
Being Sued by Injured Party6/4/2007
  Q: I was involved in an accident in June 2004. I was traveling with the flow of traffic and traffic ...
  A: I am sorry to see that your question was delayed by Allexperts.com. I did not receive it until this ...
old car accident--statute of limitations--minor claim?6/2/2007
  Q: I was involved in a head on collision in 1976. I suffered many injuries and had 87 stitches in my ...
  A: I am sorry to see that your question was delayed by Allexperts.com. I did not receive it until this ...
Can I include rental car in injury settlement6/2/2007
  Q: I was reading on http://www.autoaccidentclaims.com that you can include the car rental as part of ...
  A: Adi, I am sorry to see that your question was delayed by Allexperts.com. I did not receive it ...
lowball offer for totaled car--three choices5/31/2007
  Q: I had my car only two months before I was involved in an accident. I had purchased a preused car ...
  A: I think that they are trying to abuse you, and you should fight back. I will give you three paths ...
old car accident--statute of limitations--minor claim?5/31/2007
  Q: I was involved in a head on collision in 1976. I suffered many injuries and had 87 stitches in my ...
  A: Unless you were a baby at the time, your claim is likely barred by the statute of limitations. It ...
Faulty Police Report--is it binding on insurance claims??5/30/2007
  Q: My wife entered an intersection in which the traffic lights were not working. Part way through the ...
  A: I empathize with your dilemma inasmuch as I had a number of clients over the years who also suffered ...
stolen car5/30/2007
  Q: How long does it take for an insurance company to settle and pay for my stolen car? How to they set ...
  A: How long does it take for you to do the necessary research to fight for a fair value? You should ...
Woodchuck ate my wires in my car5/29/2007
  Q: I was parked in my company parking lot and decided to drive to lunch. I tried to start up my car ...
  A: It sounds like some kind of Caddyshack sequel movie! Yes, this comes under your comprehensive ...
delayed treatment OK --Poor Grammer Ruins Claim5/29/2007
  Q: i was in accident the other ladies fault, i was hurt then and told insurance but couldnt go to the ...
  A: Yes, I would see an attorney right away. If they deny your claim for medical care three weeks post ...
Parking lot accident liabiliaty5/26/2007
  Q: I was in a head-on collision in a parking lot. My car is totalled. This particular parking lot has ...
  A: There are three issues here. First is liability—who is at fault: you, the other driver, or the ...
Totaled Motorcycle5/24/2007
  Q: I recently totaled my motorcyle. I have told the insurance company that I wish to retain ownership ...
  A: Please re-read the first paragraph of my answer. First issue is safety. Is the damage structural ...
At fault-MVA, policy holder Dies before Settlement with insurance Co.5/24/2007
  Q: If there is a MVA and the At Fault Policy Holder Dies before Settlement from their Insurance Comp. ...
  A: Well, you will be OK if you have a small claim since the insurance company will pay your claim, BUT ...
Rear End with Complications!5/23/2007
  Q: I was at a complete stop at a 4 way stop sign with 2 other cars in front of me when an elderly woman ...
  A: Although my website does teach injured people how to present and settle their own personal injury ...
Totaled Motorcycle5/23/2007
  Q: I recently totaled my motorcyle. I have told the insurance company that I wish to retain ownership ...
  A: Tell the adjuster she is full of it. So long as the damages are cosmetic as you allege, you have the ...
My tires were stolen-- premium increase5/22/2007
  Q: My tires were stolen and my car was left up on blocks. Will this affect my premium? The auto shop ...
  A: Answers to your questions: No, and Yes. First, your premium cannot be increased since this is not ...
vehicle delivery receipt is NOT a release agreement5/22/2007
  Q: My son was rearended two weeks ago. The other person's insurance adjuster said the truck was ...
  A: Nah, that was only a delivery receipt, and it has no impact whatsoever upon the negotiations between ...
auto insurance claim congenital problem versus lit up by accident5/21/2007
  Q: my husband was involved in an auto accident 3 weeks ago wherein he was hit on the right and left ...
  A: Your husband apparently did have a congenital problem that was lit up by accident trauma. As such, ...
Whose Insurance to Pay Medical Bills--Mine or Tortfeasor's5/21/2007
  Q: I was involved in an accident a couple of weeks ago. I was not at fault. In working with the ...
  A: You have hit on an important topic, and that is deciding whose insurance should pay the medical ...
Policy Limits/UIM--ALWAYS BUY UIM COVERAGE!!!5/20/2007
  Q: Car vs motorcycle, I was not at fault and she was.....I did not have UIM coverage and her policy ...
  A: Kevin, We are not allowed to give legal advice here inasmuch as the boss doesn't like to face the ...
Policy Limits/UIM--ALWAYS BUY UIM COVERAGE!!!5/19/2007
  Q: Car vs motorcycle, I was not at fault and she was.....I did not have UIM coverage and her policy ...
  A: Your injuries are no doubt serious, but still I hope that you can recover to make life tolerable for ...
Can I include rental car in injury settlement5/18/2007
  Q: I was reading on http://www.autoaccidentclaims.com that you can include the car rental as part of ...
  A: Why don't you send your question to the author of that site, Mr. Dan Baldyga? I have no idea what ...
KBB Low Vehicle Offer Insurance Settlement5/18/2007
  Q: My wife was involved in an accident that was the other driver's fault. His insurance company has ...
  A: You are entitled to FULL ACTUAL CASH VALUE, which is NOT the same as replacement cost in the eyes of ...
Rear end collision--Fight Allegations of Negligence!5/8/2007
  Q: I was rear ended about 2 weeks ago, I was in the left lane and signaled to make a lane change to ...
  A: You are correct in that if you allow yourself to be dragged into this, it will be an at-fault ...
Insurance Claim Settlement--Soft Tissue--Big Crash5/8/2007
  Q: I have a question on how should I proceed next with my insurance claim. I've been involved in an ...
  A: First and foremost, do not become discouraged with the difference between the adjuster’s first offer ...
Claim Paid5/4/2007
  Q: I own a vehicle that has a "claim paid" notation on it. What does this do to the "resale or trade" ...
  A: OK, Crystal, that clears things up. You have a duty to tell the truth if asked about prior damage, ...
"claim paid"5/4/2007
  Q: I own a vehicle that has a "claim paid" notation on it. What does this do to the "resale or trade" ...
  A: Crystal, Now I wonder whether or not YOU KNEW that the vehicle was damaged when you bought it. ...
Auto insurance - misrepresented5/4/2007
  Q: I thought I had full coverage on a car that I have to make payments on. On April 28, 2007, I was ...
  A: I am not sure that you are going to be left holding the bag here. Check through with both the ...
stolen car am i being doublely dupt ?5/3/2007
  Q: I hope you can help!!!!! My car was stolen, the police found it, unfortunately the car was burned ...
  A: And I agree that your model, if in such good shape as you recite, should have a value of MORE THAN ...
"claim paid" impact on value of vehilce5/3/2007
  Q: I own a vehicle that has a "claim paid" notation on it. What does this do to the "resale or trade" ...
  A: Your question is one of diminished value. See below for two excellent pages of information on ...
MINIMUM COLLISION LIMIT5/2/2007
  Q: I WAS REAR-ENDED AND THE AT FAULT DRIVER ONLY CARRIED THE CALIFORNIA MINIMUM COLLISSION COVERAGE OF ...
  A: Why don't you make the rental claim and your deductible on the tortfeasor's and the repair costs ...
Policy Limits, UIM & "Pre-Subrogation"5/2/2007
  Q: Settlement, Here are three questions presented as concisely as I can get them! 1. If the at-fault ...
  A: 1. Do not know, because it depends upon both your state and your policy. For example, in ...
car insurance claim5/1/2007
  Q: my car was struck from behind pushing my car in to car infront. The rear drinver was the sister in ...
  A: I would go to the state insurance commissioner http://www.settlementcentral.com/links.php and file ...
injury claim4/30/2007
  Q: first let me say thank you for helping people like us. Pay it forward. I was rearended by the car ...
  A: Candi, Thank you for the kind comments regarding my work and our site for self help personal injury ...
personal injury settlement offer4/30/2007
  Q: In August of '06 I was rearended while at a red light, driving the company truck (during work ...
  A: You have had long enough to heal or to know if you are going to have pains from your general work ...
who is liable? extra info4/29/2007
  Q: Someone hit my rear bumper and I got his insurance info (no police report). Insurance co sent me to ...
  A: You have four responses, some of which you might make simultaneously. The FIRST thing it to turn ...
state farm settlement4/29/2007
  Q: my car was declared totaled by the insurance co. the nada book value for my vehicle was just over ...
  A: No, the NADA or Blue Book or www.autotrader.com values for your car are NOT DETERMINATIVE of what ...
To settle or to go to court.. that is the question4/28/2007
  Q: Well I will get right to it. About 9 months ago I was in a car accident where I was rearended.. and ...
  A: Tiffany, As for your personal injury award, why don't you ask for a second opinion on the value? ...
Passing4/27/2007
  Q: I live in Indiana and had a accident on 3/26/07. I was driving east behind a small truck. I turned ...
  A: Your insurance and you are correct. You were NOT in the process of "switching" lanes: instead you ...
To settle or to go to court.. that is the question4/27/2007
  Q: Well I will get right to it. About 9 months ago I was in a car accident where I was rearended.. and ...
  A: Short answer: I am going to recommend that you tell your attorney IN WRITING ONLY that you wish for ...
100%her fault. They only want to pay 70%4/27/2007
  Q: I was in a collision and the other driver was 100% at fault for failing to yield and they received a ...
  A: I appreciate that, but maybe you will want to take it back if I cannot help you here :-). Let's ...
100%her fault. They only want to pay 70%4/26/2007
  Q: I was in a collision and the other driver was 100% at fault for failing to yield and they received a ...
  A: Don't you feel the LOVE from your "good neighbor" insurance carrier, or don't you know what it is ...
injury claim4/26/2007
  Q: i was involved in an accident and hurt my knee. my medical bills at this time come to about 1700 ...
  A: In the first place, many states do not treat imaging as part of the threshold for no-fault claims ...
Car insurance and SR22 for Illinois4/26/2007
  Q: I have had Farmers Car Insurance for quite along time. My husband has had a previous DUI along time ...
  A: The answers to your questions are Yes, Yes, and Yes. Yes, you can handle his SR22 on his own, ...
Car insurance and SR22 for Illinois4/25/2007
  Q: I have had Farmers Car Insurance for quite along time. My husband has had a previous DUI along time ...
  A: The reason for the SR22 filing is to make sure that drivers demonstrate financial responsibility. ...
Attorney Fees for a "gimmie" Policy Limits Claim??4/25/2007
  Q: I WAS INVOLVED IN AN AUTO ACCIDENT MARCH 1 2007, HAVE BEEN GOING TO CHIROPRACTOR ETC, AND ALSO ...
  A: I am going to be considered no better than a terrorist by your attorney, but I want to make darn ...
total loss vs. keeping older car I like4/24/2007
  Q: My 1999 Mercury Cougar was hit and totalled while parked in front of my house. I don't mind the ...
  A: I would not be so quick to get rid of a 1999 Merc Cougar, even if it has been totaled. The auto ...
Third Party Won't Pay Rental Charges4/24/2007
  Q: I was rear-ended a few weeks ago and got a rental car to get around while my car was in the autobody ...
  A: You are absolutely right to reject that charge. It is the responsibliity of Grange to pay that ...
How many days for loss of use?4/24/2007
  Q: You are the answer for my prayers. Yes, I have been in distress and searching for answers. Since ...
  A: I surely do appreciate your letting me know that my efforts did make a difference to you. Now, as ...
Accident with a rental car--no insurance4/23/2007
  Q: I met with an accident two days back. I rented a new Toyata Camry and collided with another car at ...
  A: You did not write to me for a lecture, so I will go easy on you. But folks, THIS IS A PRIME example ...
loss of value--DIMINISHED VALUE CLAIMS4/23/2007
  Q: I was in accident over 6 months ago and the other insurance company accepted liability. There were ...
  A: YES, diminished value claims ARE provable in a case such as yours. Some adjusters will try to tell ...
How many days for loss of use?4/23/2007
  Q: You are the answer for my prayers. Yes, I have been in distress and searching for answers. Since ...
  A: and most especially for the blessing you gave. Also, thank you for driving an American-made car; it ...
Policy limits and UIM4/22/2007
  Q: Dr. Settlement, I hope you had a nice vacation. Welcome back! I appreciated the answer that you ...
  A: Eleanore, First, thank your for your kind comments on our feedback forum. We who do this volunteer ...
Treatment time will exceed statute of limitations4/6/2007
  Q: I was involved in an automobile accident in March 2006. Both vehicles were totaled, and I was ...
  A: I am sorry to hear of your serious injuries. Hopefully your reconstructive work will all turn out ...
Rear ended4/5/2007
  Q: I was rear ended while sitting at a stoplight on 03-08-07. The other drivers insurance company ...
  A: These sound like cases that one could try to resolve without an attorney, and if necessary, get an ...
Can I make a claim4/5/2007
  Q: I was driving on a road that had a large rock of ice on it. I didn't see it until it was too late ...
  A: Please refine your question as to what kind of claim you wish to make. If you are seeking to make a ...
Car stolen and stripped...repair vs total?4/4/2007
  Q: Twice this year I have had to file a claim. The first time, my car was broken into and the steering ...
  A: Sorry to hear of your plight. I have four pages of free text on my website that will answer all of ...
Pedestrian Accident4/4/2007
  Q: I was stuck by a car as a pedestrian that resulted in some bruising and cuts. In addition, because ...
  A: Pedestrian accidents would seem to merit more than regular car accidents for identical injuries just ...
claim procedures4/3/2007
  Q: I was recently in a collision with an oil tanker. My mum phoned the insurance company up to report ...
  A: but we are not familiar with Proceedings for claims outside of the good ole USA. It sounds like ...
How to calculate settlement?4/3/2007
  Q: I was rear ended in Oct. 2005- I was given an offer last week from the at fault parties auto ...
  A: First, as to your question regarding keeping the medical payments out of the total settlement and ...
PIP coverage for lost wages?4/2/2007
  Q: My son was in an accident a year ago that was his fault. He smashed his knee and has been doctoring ...
  A: Sorry to hear that the injury has continued so long and I hope it heals soon. Since your son caused ...
Claim Denied?3/31/2007
  Q: Ok, I was in a small accident a couple of weeks ago.. Traffic was bumper to bumper barely moving ...
  A: I would sue the guy in small claims court. Especially since he was the cause of the accident. Cost ...
Do NOT MAKE "informal" arrangements to settle small claims3/31/2007
  Q: I BACKED INTO A GIRL AT WORK IN THE PARKING LOT. WE EXCHANGED #'S BUT NOT INSURANCE I THEN ASKED HER ...
  A: This brings up the lesson of not making informal arrangements to settle claims. What if this woman ...
ATV wrecked.---does owner have to use their own collision coverage?3/30/2007
  Q: My cousin is suing my husband and I when he used their ATV. He hit a tree with it. At the time that ...
  A: What if your wish came true and we forced all owners to use their own collision coverage rather than ...
Claim Confusion3/30/2007
  Q: I got rearended a week ago and reported the accident to my insurance company. I suffered both ...
  A: Most people are in the same boat as you, and thus subject to abuses by the insurance adjusters ...
Keep Your Total Loss Vehicle by NON-OEM Parts Repair3/30/2007
  Q: I was in an accident that was not my fault. The other party's insurance company wants to settle the ...
  A: Like you, I choose to drive a well-maintained older car. I know what I have put into it, and it ...
State Farm is NOT a Good Neighbor"!---Lowball Vehicle Offers3/29/2007
  Q: i have a 2004 Pontiac gto fully loaded with the premium trim package. my car was parked and got ...
  A: I will give extra time to those who are economic patriots and support our middle class jobs. Plus, ...
Auto accident - had a lien holder but not full coverage3/27/2007
  Q: I purchased a car at a dealership and got a bank loan to finance it. I was required to get full ...
  A: I am sorry to tell you that it is your job to pay off the loan unless you bought special insurance ...
Must get Dr release to have other surgery3/26/2007
  Q: I was rearended 2 months ago. I have been going to Physical Therapy since the accident for soft ...
  A: This is a tough choice inasmuch as you stand to lose either way. Of course it is easier for me, ...
settled child brain injury case 20013/26/2007
  Q: My child was struck by an automobile in 2001. The lawyer I had told me to accept the settlement ...
  A: I am sorry to hear that your child is suffering still from the auto accident. Hopefully there will ...
Liability auto insurance when driver not owner3/23/2007
  Q: Does auto liability insurance follow the car or the driver? Tennessee is the state. Also the owner ...
  A: Your policy on the car insures drivers who are driving with your permission, such as this learner. ...
auto accident3/23/2007
  Q: i was recently in an accident on sept. 6 of 2006. i was a passenger in my friends 86 ford ranger. ...
  A: Nathan. I needed to give you some "Tough Love--Legal Style"! Negligence means that someone owed ...
Car accident3/23/2007
  Q: I was involved in a car accident with my then boyfriend, who was the driver. I was the passenger. ...
  A: It seems that the lawyer had a duty to get the money to you. She breached this duty when she handed ...
auto accident3/22/2007
  Q: i was recently in an accident on sept. 6 of 2006. i was a passenger in my friends 86 ford ranger. ...
  A: Nathan, Thanks for the nice comments on the feedback forum. I am not going to answer your question ...
Misunderstanding at repair shop3/22/2007
  Q: I had my vehicle towed to my shop for them to repair. The insurance claims adjuster from the other ...
  A: You probably can stop the repair process, but chances are that you will just let it go ahead, unless ...
want know what to do3/21/2007
  Q: My son die in a car accident. My mother was driving her boyfriends car which he gave her the keys. ...
  A: I am sorry to hear of this tragedy. No amount of money can replace your son. As for your question, ...
stolen car claim3/21/2007
  Q: We just had our truck stolen about 2 hours ago. 7:00pm mountian time. Really bugin me cant figure ...
  A: Sorry to hear of your problem. I hope your thieves were just using it to go somewhere instead of ...
auto accident3/21/2007
  Q: i was recently in an accident on sept. 6 of 2006. i was a passenger in my friends 86 ford ranger. ...
  A: As for the PIP, you should have both his policy and your own auto policy to tap into. You have ...
Third Party Insurance Denial of Bills3/13/2007
  Q: I was involved in an accident in CA and it was the other driver's fault. I am dealing with his ...
  A: SettlementCentral.Com for some tips on handling medical bills. We may not have this information on ...
settlement of a comprehensive claim3/9/2007
  Q: Insurance sends me a check for damage to my vehicle while under a carport. Am I obligated to have ...
  A: You may do whatever you wish with the check, PROVIDED you do not have a lien holder, such as a bank. ...
insurance company defends you3/9/2007
  Q: got in to accident was not my fault my insurance denied him? now he's taking me too small claims ...
  A: You need to be sure that you give your summons to your insurance company ASAP. Then thereafter you ...
Passenger in accident.3/7/2007
  Q: Here are the Details. 1. The Driver of the Car that hit us was not the owner of that car, but the ...
  A: Justin, The allocation of coverage for the tortfeasor’s coverage will be divided in accordance ...
why pay deductible? personal injury claim3/6/2007
  Q: The car that my sister drove was her car. Today, the towing place called for her to pick it up and ...
  A: Nancy, I am going to print your latest question here so we can make reference to it: Hi! The car ...
Personal Injury Claim3/6/2007
  Q: I was in a wreck May 2006. (other parties fault). They had state farm as their insurance. After ...
  A: I am sorry to hear you had to have a surgery on your hand. Can you please tell me how that was ...
why pay deductible? personal injury claim3/5/2007
  Q: My sister got to a car accident a week ago and it wasn't her fault. She was driving and a truck hit ...
  A: I take it that your sister was driving your car? If so, that is why you will pay the deductible. ...
motorcyle hit and run--unauthorized user3/4/2007
  Q: I am on here at nearly 4am looking for some answers. So your input would be greatly appreciated. ...
  A: Sorry to hear of your brother's serious injury. It is frustrating that people drive without ...
Passenger in accident.3/3/2007
  Q: I was a passenger in an accident about a month ago. The Police were pursuing a vehicle, and it ran ...
  A: Let’s get to the importantyes, your auto policy will cover you driving that car, and since they have ...
Settle accident I caused by paying $1,500?3/2/2007
  Q: I was recently invovled in an accident where i was lost and didn't see the car come along side my ...
  A: Yes, this accident is going to cost you one way or another. For starters, I would think that $1,500 ...
Does Death of Tortfeasor Affect Plaintiff's Award?3/1/2007
  Q: If a plantiff is awarded a personal injury settlement and the defendent dies, is the plantiff's case ...
  A: There are a few different scenarios to play out here, so be sure to ask me in a follow up question ...
How to Counter-Offer in Negotiations--Prior Injury2/28/2007
  Q: Without the assistance of an attorney, I filed an auto accident claim against USAA after I ...
  A: Don’t take the following bawling out too personally: most people have no idea how to settle their ...
Claim time2/26/2007
  Q: I was involved in an accident in which the other party was at fault. My question is their insurance ...
  A: They have EXCEEDED their investigation time. If your vehicle was undrivable during this time, you ...
frend had accident2/26/2007
  Q: my girlfrend has a suv yukon with full coverage. one day while she was at school i let one of my ...
  A: Why isn't this a claim versus the insurance of the driver? Ultimately he will have to pay--either ...
Myofascial pain--Serious--Fibromyalgia2/23/2007
  Q: I am a 62 year old woman. After my car, at 45 mph, T-boned another car (his fault), I had no major ...
  A: Your claim is potentially very serious, and it is NOT READY TO BE SETTLED. DO NOT EVEN LET AN ...
unoccupied parked car hit- what are my rights2/20/2007
  Q: My unoccupied vehicle was hit by an elderly driver while I was in a counseling session. I heard the ...
  A: NO, you may NOT make any claim for time it takes to fix your vehicle or inconvenience. That seems ...
no-fault threshold for general damages--factors for valuation of claim2/19/2007
  Q: Its been of great help to me so far. After my accident 3 months ago I became a member of Settlement ...
  A: SettlementCentral.Com. As a member of www.SettlementCentral.Com, you can ask me any questions there ...
what are my rights when settleing w/out an atty2/13/2007
  Q: I am attempting to settle my claim with the other "at fault" insurance company. I have a ...
  A: In direct answer to youryour rights to settle a personal injury insurance claim are the same whether ...
LENGTH OF TIME CLAIM1/26/2007
  Q: I am sorry to keep bothering you with this same situation, however, I am having a hard time dealing ...
  A: Renee, No need to apologize for asking again. That is what we are here for. Maybe talking to an ...
LENGTH OF TIME CLAIM1/24/2007
  Q: If asked to take an examination under oath, is that done when the insurance co is going to deny your ...
  A: Renee, NO, being required to give a statement under oath does not mean that they have made a ...
Auto Accident - Do I need an attorney?1/23/2007
  Q: I was broad-sided by a county police vehicle last week. We were on a curvy, two-lane road, and he ...
  A: That accident must have been a real surprise. It sounds like you have a serious injury claim ...
Hit and run1/23/2007
  Q: On 1/20/2007 I was the victim of a hit and run. I managed to get a good portion of the tag plate ...
  A: Sorry to hear of your ideal. That delay was frustrating on top of the accident and injuries! You ...
bodily injury claim for loss of vacation1/21/2007
  Q: My 6 year old daughter and I were in a (drivers side) head on car accident 1 mile from a rented ...
  A: In direct answer to your question regarding the value of your two claims, no one can ever give you ...
Pain and Suffering1/18/2007
  Q: Dr. Settlement, My family I were involved in a car accident with a drunk driver a few weeks ago ...
  A: Sorry to hear that your family still has fears of driving, and I hope they go away soon. There is ...
in negotiations, statute about to run out1/18/2007
  Q: Looks like the adjuster keeps the file on her desk even after the complaint is filed, regardless of ...
  A: With regard to the limits, I am guessing they are low, as you suspect. Yes, you may send along the ...
in negotiations, statute about to run out1/17/2007
  Q: Sorry to bother you again! You said I should go ahead and file AND serve the defendant because of ...
  A: No problem at all answering your questions, Anna. The USUSAL AND ACCEPTED practice is to take the ...
First Stages of Settling an Auto Insurance Claim1/17/2007
  Q: First, thank you for taking the time to review and respond to my question. I just finished reading ...
  A: You have done a lot of homework and if you have read my prior answer I might be repeating myself ...
in negotiations, statute about to run out1/17/2007
  Q: Dr. Settlement, I like the thinking behind not disclosing a dollar amount in the complaint. ...
  A: Yo, Anna---- I think I need to bring you onboard as a customer relations specialist since you are ...
in negotiations, statute about to run out1/16/2007
  Q: Settlement, By the way,I did not let the other driver's insurance company (Liberty Mutual) obtain my ...
  A: Oops, while I did compliment you in my last answer regarding the usefulness of the Mathews book, I ...
in negotiations, statute about to run out1/16/2007
  Q: I do have an attorney in the wings. The court papers are already prepared and ready to be filed ...
  A: Second Follow-up Posting Hi again, Anna, Thanks for the kind words in the feedback forum. I am ...
LENGTH OF TIME CLAIM1/15/2007
  Q: My car was stolen the first week of November 2006. Before I knew it was gone, it had been stolen, ...
  A: This is WAY TOO LONG to wait for a settlement of your claim. You should be entitled to ...
in negotiations, statute about to run out1/15/2007
  Q: Settlement, Here's a quick summary: I'm in Northern Calif. (Bay Area). I collided with another ...
  A: FOLLOW-UP POSTING Hello again, Anna, It occurs to me that I forgot to give you a direct answer to ...
settlement1/9/2007
  Q: I will rate the answer as high as possible. The full settlement offer is for $2500, my medical ...
  A: Kelly, I am going to put your new question in this answer so we do not have to scroll up to see ...
settlement1/9/2007
  Q: I was hit from behind and suffered soft tissue damage in my neck and back. The insurance company is ...
  A: since there is absolutely nothing here to fix valuation. What you did ask is what steps you can ...
lapsed coverage...negligence on cab company1/8/2007
  Q: Because of financial hardship, our insurance coverage lapsed three weeks ago. We were to pay it ...
  A: There are six issues or aspects we need to explore in order to answer your questions. 1. We can ...
Would this be covered by auto policy?1/8/2007
  Q: A car ran out of gas and was sitting partially in the roadway. I stopped to help and offered to ...
  A: The issue you ask about has two aspects: 1. will this be covered as a no-fault payment under either ...
accident with no visible damage to either car1/5/2007
  Q: tonight after work i was at a stop light on a slight hill and it was raining outside (drizzling) and ...
  A: First of all, your deductible is not relevant to your property damage liability coverage. You are ...
son hit deer12/21/2006
  Q: My son hit a deer while driving my car. Will this accident go against his insurance or my ...
  A: Your son's accident will likely be categorized as an "at-fault" accident within the hallowed halls ...
Low Settlement Offer & What is Reasonable12/20/2006
  Q: Settlement. I was reading through your previous answers and was unable to find a similar ...
  A: You have done a great deal of research already, and I am not sure what I can add to the information ...
pregnant wife in a minor accident12/20/2006
  Q: Last week my wife, who is about seven and a half months pregnant, and my 22 month old daughter were ...
  A: One hopes that from all signs the delivery will be normal. But your doctor will be the one who can ...
Stolen Motorcycle.12/19/2006
  Q: My motorcycle was stolen on 10/15/2006. I had coprehensive insurance incuding theft. My insurance ...
  A: First party (i.e. versus your OWN insurance company) theft cases probably attract the most attention ...
Sister lives in NYC wants CT insurance....12/18/2006
  Q: my question is my sister would like to use my address to get auto insurance in CT(It's cheaper). She ...
  A: You are right, and your sister is VERY WRONG. When you try to fool the insurance company IN ANY WAY ...
Auto Insurance claim12/17/2006
  Q: How to evaluate pain and suffering. Why guide or system is used.
  A: Dr. Settlement is back in the saddle! It is GOOD to be back into my own house. We lost our power ...
Do I Need an Attorney?12/16/2006
  Q: I was involved in an accident in Oregon while riding my motorcycle to work. A driver in a van turned ...
  A: Dr. Settlement is back in the saddle! It is GOOD to be back into my own house. We lost our power ...
"3" car accident12/15/2006
  Q: This occurred on a 3-lane interstate (all travelling in the same direction). The SUV was in the ...
  A: Dr. Settlement is back in the saddle! It is GOOD to be back into my own house. We lost our power ...
auto theft12/14/2006
  Q: my car was stolen at a pay parking lot. i had liability on my car and from what ive been told it was ...
  A: Sorry Dr. Settlement was one of the one million in WA without power until today, hence the delay in ...
property damage liability12/12/2006
  Q: I live in California and yes the property damage liability is very low ($5000). I was suprised as ...
  A: This appears to be a follow-up question for another expert. Perhaps you may wish to readdress it to ...
Being bullied into a scam? :(12/12/2006
  Q: I have a simple situation I hope that you can help me out with. I appreciate in earnest your ...
  A: You need to turn this claim over to your old insurance company ASAP. If you delay any further, ...
accident12/11/2006
  Q: after my son pulled out of driveway and traveled about 200 feet he was rearended and hit an oncoming ...
  A: Comparative negligence Failure to yield auto accident Deceptive speed auto accident Speeding car ...
Insurance claim for minor damage12/10/2006
  Q: My car(parked) was rear ended in the parking lot. The other driver confessed not having activated ...
  A: There are three things you need to do. First, take your car to a reputable collision repair shop ...
HAVE I COMPLETELY MESSED UP12/8/2006
  Q: I WAS INVOLVED IN AN AUTO ACCIDENT IN WHICH I WAS REAR ENDED TWO MONTHS AGO. I WAS ABOUT EIGHT ...
  A: Insurance adjuster misrepresentation Insurance settlement OK with no police report No police report ...
Lazy attorney? NO input to value my claim?12/6/2006
  Q: My husband and I were involved in an accident on March 29, 2005 and we both sustained some injures. ...
  A: Attorney will not return phone calls Lazy attorney? NO input to value my claim? Attorney valued ...
Post Collision Confusion...12/3/2006
  Q: I have a couple of more questions... 1)I do want to learn about making a personal injury claim. I ...
  A: Paul I guess that one would have to forego any part of a diminished value claim that is based upon ...
Insurance Claim Question12/2/2006
  Q: Do You Think That It Is Possible That I Can Get A Lawyer And Win This Case Because There Are No Deer ...
  A: Janice, I have no idea what the chances of a lawsuit would be. I know that I would not have taken ...
Insurance Claim Question12/2/2006
  Q: I was recently involved in a car accident and i had 3 passengers in the car with me i am now ready ...
  A: One can purchase insurance to receive a pain and suffering award from an auto accident that is ...
Struck by an auto and they are suing me.12/1/2006
  Q: A friend of ours was crossing a street not in crosswalk, 2 lanes each way. The car next to curb ...
  A: Unfortunately, these are not good facts. I am not worried about the police report itself inasmuch ...
Post Collision Confusion...12/1/2006
  Q: I was in a three car accident in Oregon where the other driver was cited for making a unsafe left ...
  A: You have four aspects to your accident claim, but you have only asked about the first three at this ...
parking lot accident and collection agency11/29/2006
  Q: Additional info to previous letter. The rental car was rented by my mother. She didn't add other ...
  A: You are on the right track, but you need to make the insurance adjuster understand that the burden ...
Struck by an auto and they are suing me.11/29/2006
  Q: A friend of ours was crossing a street not in crosswalk, 2 lanes each way. The car next to curb ...
  A: Pedestrian not in crosswalk Driver not exercising due care Rights of pedestrian not in crosswalk ...
Daughter was in an accident.,,,MINOR CLAIMS SETTLEMENT11/28/2006
  Q: My 14 year old was in an accident with her best friend who was driving the car. The insurance wants ...
  A: I am sorry to hear that your daughter was hurt in a serious accident that left scarring. It is ...
Cancelling auto insurance11/28/2006
  Q: I have not been happy with my auto insurance with their cost rising and terrible service. I renewed ...
  A: Insurance costs are not the only element of evaluation, but if you are paying more, you should be ...
auto theft in state i just moved to11/21/2006
  Q: I recently moved to California from Texas and my car was stolen two days ago. I changed my car ...
  A: I would surely love to help you if only I could figure out what you are talking about. Here is the ...
pickup damage claim11/20/2006
  Q: I had a blowout on my pickup while towing my 5th weheel RV. Damage was done to my pickup by the ...
  A: We do have a real life insurance agent or adjuster here as an expert and you may wish to ask him ...
unisured driver please help!11/19/2006
  Q: what if she was at fault and it was about $2000 worth of damage, will my insurance cover it or will ...
  A: Christine, You did not give me any information that I said was critical in my response to you. So ...
unisured driver please help!11/18/2006
  Q: my 23 year old daughter was driving my car with me in the vehicle shes not on my insurance, and she ...
  A: I hope neither of you were hurt. For your answer, you will have to look to your policy ...
parking lot accident and collection agency11/17/2006
  Q: THis past July I had a rental car and was backing out of a spot in a crowded lot when I was hit in ...
  A: The duty of care is upon the one who is backing up. You have to do that safely, or do not move your ...
personnel injury11/17/2006
  Q: I was rear-ended on the highway seven months ago. I went to the ER then a chiropractor for three ...
  A: You have had a serious light-up of a preexisting condition that was asymptomatic, and as such, you ...
please help asap11/16/2006
  Q: i have a question a county snow plow hit my parked car it was on the side of my dads house about 49 ...
  A: This is a good time to just use your own collision insurance and then to let your insurer go after ...
3 Car Pile Up11/7/2006
  Q: So partially she is at fault. The only reason I think I wouldn't be at fault is because I didnt ...
  A: Braxton Tickets do not dictate who is at fault or not. They are inadmissible at trial inasmuch as ...
3 Car Pile Up11/7/2006
  Q: I was driving down the road and the driver in front of me looked like they were going to slow down ...
  A: It is always the duty of the driver behind to stop for the vehicle in front UNLESS that driver in ...
Medical Record Release Form10/30/2006
  Q: Settlement, I was rear-ended a month ago, and have been seen a physical therapist since. Other ...
  A: Yours is a question everyone has to face, and—at the risk of being considered suspicious ...
What should I do ??10/30/2006
  Q: This is the only place I could see to find an answer to this. I need help in deciding what to do or ...
  A: This is something you have lived with for three years, and it is well to try to get it out of your ...
UIM Claim--Jury or Arbitration?--Valuation10/24/2006
  Q: I was recently hit by an uninsured motorist who did not obey my right a way in an intersection. I ...
  A: Smart way to buy auto insurance Uninsured Motorist Coverage (UIM) Insurance Claim Policy limits ...
Head injury; post concussive syndrome; DO NOT settle BI claims too early10/22/2006
  Q: I was involved in an auto accident 2 days ago.The driver of the other vehicle ran a red light ...
  A: Remember loss of consciousness Report loss of consciousness Loss of consciousness remembered later ...
Rear ended vehicle, legal libaility as to whom I pay.10/21/2006
  Q: I recently was in a car accident where the person in front of mt hit their brakes and I rear ended ...
  A: Rear-end accident defenses No tail light cause rear end accident Sudden stop cause rear-end auto ...
Wife backed into my truck10/21/2006
  Q: My wife backed into my truck causing damage to both vehicles. If I file an insurance claim, could ...
  A: No, you may not use just one deductible for both vehicles. Each is a separate claim. Yes, you may ...
Insurance rate increase10/18/2006
  Q: I have had two very small comprehensive claims, both on a previous car that I have since sold. It ...
  A: Here is a call out for any of our insurance agent experts to chime in and help on this topic ...
Verbal Agreement to Settle Insurance Injury Claim Enforceable?—Valuation & Submission of Insurance Claim10/17/2006
  Q: what is considered a fair settlement with medical expenses totaling 10,000, loss wages totaling ...
  A: Verbal Agreement to Settle Insurance Injury Claim Enforceable? Contract to settle insurance injury ...
insurance co going to bat for us10/15/2006
  Q: No follow up question; just wanted to thank you for your response. It was very, very helpful. ...
  A: All volunteers on this site really appreciate such feedback. Feel free to ask any other question as ...
insurance co going to bat for us10/14/2006
  Q: First, thanks for taking your time to offer help via this site. I have a question with how our ...
  A: I am going to give you: (1) a little tutorial on insurance law involving a claimant who is at fault; ...
Release of claim question10/13/2006
  Q: To settle a claim for damages related to an auto accident, the other party's insurance company has ...
  A: I presume that you were not hit with a comparative negligence deduction on your property damage ...
Damages for Rollover Accident; Shoulder Surgery; UIM claim?10/12/2006
  Q: I'm just curious as to what type of settlement I might be looking at with my case. I first want to ...
  A: TAKE THE INITIATIVE in personal injury insurance claims Overview Tort Law Personal Injury Legal ...
Loss of use payment while repairs finished10/12/2006
  Q: I was his by another car back in June and My car was in the shop for 45 days. The other insurance ...
  A: Loss of use is a compensable item for the tortfeasor's insurance to pay. However, it has to be ...
Use Property Damage Check to Pay off Lien??10/11/2006
  Q: A tree fell on my 2001 Dakota. The body estimate is $5500. I have not yet been given an estimate ...
  A: I believe that you will be able to work with your lienholder and the insurance company to use your ...
Auto accident claim against boyfriend DUI--Increased Rates10/9/2006
  Q: I was involved in a roll overauto accident were my boyfriend was driving, he was cited for DUI. He ...
  A: Passenger comparative negligence Passenger assumption of the risk Passenger rights: personal injury ...
Hit & Run or Phantom Car Personal Injuries10/5/2006
  Q: My daughter was struck by a truck the other day which pushed her into the ramp on the highway. Her ...
  A: hit & run claim OPENING YOUR PIP AND UIM INSURANCE CLAIMS DISABLING AUTO ACCIDENT INJURIES TAKE THE ...
Value Personal Injury Claim; Underinsured Motorist Claim (UIM)10/5/2006
  Q: I was a passenger in auto accident 7-1-05 of a 4 car accident & I was taken to a trauma center by ...
  A: TAKE THE INITIATIVE in personal injury insurance claims Policy limits insurance claim Underinsured ...
hit & run claim; UIM; insurance rate increase9/24/2006
  Q: My 19 yr old daughter was hit by a hit and run driver last night. She is ok, but her 2005 VW Jetta ...
  A: auto insurance rate increase Uninsured Motorist Coverage (UIM) Insurance Claim Hit & Run or ...
Release in Full of All Claims9/24/2006
  Q: The Insurance company responsible for the accident is ready to settle my claim for the full amount ...
  A: We are not allowed to practice law here, so we cannot send forms out from this site. But you can ...
Totaled older car; police ticket not admissible evidence9/23/2006
  Q: My daughter was driving her auto in a college parking lot and was struck by another vehicle damaging ...
  A: Totaled older car Repair with non-OEM parts Repair with used parts Salvage totaled vehicle ...
auto accident UIM claim; insurance provisions arbitration; doctor narrative reports9/22/2006
  Q: dr settlement: thanks for your candor... i rated your answer, and mentioned the same... i do ...
  A: I will see if I can earn the praise you gave me! You are asking four questions about UIM claims, ...
Sample Auto Accident Release Form--Property Damage, Excluding Later Personal Injury Claims9/21/2006
  Q: Settlement, I read your reply to Mr.Mendez on 8/8/06 at the allexperts.com forum You offered some ...
  A: You are a careful client, and one it would be a joy to represent. We love to have cases from ...
information required for other insurance carrier9/20/2006
  Q: My son was involved in a fender bender -- the officer issued no citations at the scene and no one ...
  A: Your company is correct: there is no obligation whatsoever to talk with the opposing carrier. ...
Insurance policy limits; Underinsured motorist claim; Myofascial Pain Syndrome (MPS)9/19/2006
  Q: I am 1 62 yr. old woman who was in a wreck Sept., 05 caused by the other insured. It is with 99% ...
  A: Insurance policy limits; Underinsured motorist claim; Myofascial Pain Syndrome (MPS) Policy ...
50% liability?9/18/2006
  Q: thansks for your first quick responce.ok i was driving a simi (i am a owner operator)and a suv ran ...
  A: First off, get that tooper's attention with a certified letter and then if he does not respond, ...
typical settlement for family of 4 under chiropractic care for 5 months?9/17/2006
  Q: My husband, my 4 year old, my 1 year old, and myself were hit from behind at a red light by a lady ...
  A: TAKE THE INITIATIVE in personal injury insurance claims DO IT YOURSELF SETTLEMENTS. Firm doctor ...
lost wages9/16/2006
  Q: i was in an auto acident 11/05 the doctors have me off duty, the persons that hit me insurance is ...
  A: Recovery of lost wages in your case is best pursued through your own Personal Injury Protection ...
unheard of company9/16/2006
  Q: Have you ever heard of Public Partners/United Equitab insurance? This is my auto insurance company ...
  A: The fact that I have not heard of a company does not mean that they are no good. Some companies ...
Auto insurance PIP—medical bills—pain and suffering9/16/2006
  Q: My sister was rear-ended in Texas. The other persons insurance company has claimed fault and deemed ...
  A: Auto insurance PIP—medical bills—pain and suffering Managing Medical Care After Auto Accident ...
buying auto insurance—premium differences—avoid cheap companies9/15/2006
  Q: Why do the big name car insurance company's charge so much more than the lesser know company's? All ...
  A: Buying auto insurance—premium differences Intelligent money-wise buying auto insurance Avoid cheap ...
Insurance payment medical bills preexisting condition? Tort law overview9/15/2006
  Q: I was rear ended in an auto accident and had back and neck pain. Had a cat scan done of the head and ...
  A: Overview tort law personal injury legal claims Reasonable and necessary medical costs Head trauma ...
no insurance; guest driver still covered?9/13/2006
  Q: My daughter has no car and not on anyone's car insurance policy, can she drive a friends car who has ...
  A: Yes, the owner's insurance will cover drivers who are operating the vehicle WITH THE PERMISSION of ...
In. Co. making claim check to me AND bank????8/31/2006
  Q: My car was broken into and they stole some personal belongings as well as the rear removable seats ...
  A: That kind of "service" is the reason Dr. Settlement always looks for a community or local bank. ...
Not at Fault accident, other driver did not have permission..8/29/2006
  Q: I was recently involved in an accident where the other party ran a red light, and I couldn't stop in ...
  A: Here is my advice first, to be followed by my "soapbox" comments regarding the insurance industry. ...
sons accident8/28/2006
  Q: Settlement, Sorry for the confusion. You did answer my first question but I asked a follow-up ...
  A: Car owner liability Vicarious liability Imputed liability Family car doctrine Liability of parents ...
If At fault: Should we Contact Claimants to Settle?8/28/2006
  Q: My 18 year old son had an accident over 3 months ago and was at fault. (There was no alcohol or ...
  A: NO, NEVER IN A PERSONAL INJURY CLAIM WILL YOU CONTACT THE CLAIMANTS. Your only contact will be with ...
If At fault: Should we Contact Claimants to Settle?8/27/2006
  Q: My 18 year old son had an accident over 3 months ago and was at fault. (There was no alcohol or ...
  A: Settling car accident injury claim without insurance adjuster I am liable; should I contact the ...
General release example8/26/2006
  Q: I was wondering if I could get a copy of the general release you mentioned in the response to ...
  A: Hey, thanks for reading my old answers! I did get your email at my site, and I will gladly send ...
Pain and Suffering8/25/2006
  Q: My daughter was in a friends car that was rear ended and she incurred a back injury which requires a ...
  A: Insurance Claim Adjuster Secret Tactics Relationship Insurance Injury Claims Adjuster Write to ...
responsibility8/24/2006
  Q: My daughter was driving a friends vehicle in Texas, she rolled the vehicle and was badly injured ...
  A: I am sorry to hear about your daughter. Sometimes it is hard to have kids, isn't it? Let's hope ...
Parking Lot: Both cars backing up8/23/2006
  Q: I was involved in my first car accident today, a minor fender bender, and was wondering who will be ...
  A: It sounds like you share responsibility 50/50. Here is how I would decide it if the case came ...
Auto Claim8/23/2006
  Q: I just bought a new Pontiac G6 a month ago. On sunday a seventenn year old kid hit me....i have ...
  A: NO, the insurance company will never pay you a dime until they get to hear from their insured about ...
AAA tow destroyed my car - what's fair reimbursement considering8/22/2006
  Q: Triple A towed my 1970 VW Beetle in gear and destroyed my engine, transmission, rear tires, etc. ...
  A: I like your side of this deal. If he consented to liability and did not offer his own repair ...
Conflicting versions salvage title8/21/2006
  Q: I was rear-ended by heavy truck when I was forced by the car driving in front of me to suddenly slow ...
  A: I am afraid you have run smack into a recent development in the insurance adjuster employment ...
Small Accident8/8/2006
  Q: Yesterday my wife was involved in a small car accident in a parking lot. She was waiting for a place ...
  A: In the first place, your deductible does not come into play when your insurance is paying to repair ...
comp vs coll8/7/2006
  Q: Bowling ball left in the truck of a car. Various turns & stops the bowling ball rolled & damaged the ...
  A: Well, this is the time we need our resident insurance adjuster to give us a hand. I believe it will ...
Insurance pay out..8/7/2006
  Q: I had an accident a couple of weeks ago. OP admitted liability to me and to State Farm, her ...
  A: If your car is paid for, there is no lien holder that State Farm is looking out for. Thus, you are ...
at fault driver insured, but undocumented8/6/2006
  Q: My wife was involved in an auto accident. Clearly the other guys fault, with his insurance co ...
  A: Illegal alien causing auto accident Illegal alien ignoring duty Illegal alien fleeing scene of ...
Other party ignoring liability8/6/2006
  Q: I was a passenger in a vehicle accident where my husband was driving down an alley behind our apt. ...
  A: Failure to yield right of way Other car speeding Is speed a defense to failure to yield? Backing ...
No car insurance8/4/2006
  Q: I had an accident on university property while driving a vehicle with no insurance. In trying to ...
  A: Do you have any insurance on your own car? If so, report the accident to your own company since it ...
I hit a deer less than a year ago, and just found out I had comprehensive8/4/2006
  Q: I hit a deer last November 2005. I thought I was out of luck because I did not have collision. I ...
  A: We need our resident insurance adjuster expert to jump in here with some help becasue I am not ...
Combo Home and Car Damage Caused by Out of Control Driver8/3/2006
  Q: Last week, I arrived home from my evening jog to find my yard filled with police and EMTs and a ...
  A: Car Accidents: Totaled, Repair, Valuation, Your Rights Insurance Claim Rights totaled car ...
Need an advice or two8/3/2006
  Q: This is regarding a complaint filed against my dad. He was involved in a car accident in June 2006 ...
  A: Defense attorney hired insurance company What to do if I am sued? Received lawsuit. What to do ...
Claim $ - SCARS - Post Concussive Syndrome - Psychological Damages8/2/2006
  Q: Okay..never been on this site before but i am lost and think it's worth a shot :) So, Last August - ...
  A: Smart Tips to Buy Automobile Insurance Remember loss of consciousness Report loss of consciousness ...
contesting a liability decision8/2/2006
  Q: i was rear-ended into another vehicle on june 5. i was stopped, and the car behind me hit me, ...
  A: Comparative negligence rear end collision Split liability rear end accident complaint state ...
settlement for stress/anxiety?7/31/2006
  Q: My car was recently totalled in a rear-end collision. My boyfriend and I are experiencing a great ...
  A: Auto accident emotional distress Car wreck stress medical care Severe mental distress car accident ...
time limit to file?7/31/2006
  Q: in the state of california do u have a time limit to file a claim for an accident? it was going to ...
  A: Personal Injury Statute of Limitations Motor Vehicle Accidents Statute of Limitations California ...
Auto Insurance Claim7/30/2006
  Q: My car was stolen in March. It was recovered a week later. There was damage to the car. The ...
  A: This is clearly an UNSATISFACTORY performance by the insurance adjuster AND the auto body shop. ...
Accident other drivers fault but No photo insp causes no coverage7/29/2006
  Q: The photo inspection was due before the accident for collision coverage. We were required to have a ...
  A: Kevin A teenager is a driver on someone's policy in most instances. He can have his "own" policy ...
fibromyalgia and aggravation after car accident7/29/2006
  Q: in the last 5 years i am in a trial in my country israel after i had a car accident that aggraveted ...
  A: I handled only one such case and we won a settlement, but our state did recognize traumatic ...
Accident other drivers fault but No photo insp causes no coverage7/29/2006
  Q: My son loaned our car to a friend to grab a pizza down the road while at work. Well he got hit but ...
  A: I am confused by your writing. If your driver was not at fault, why is your company entertaining a ...
Use of LKQ Engine7/28/2006
  Q: 2001 BMW 540i with 108,000 miles. Car engine suffered water intrusion due to flooded roadway and ...
  A: Like you, I thought my Cadillac could "walk on water" and I got about 200 feet through a deep and ...
parking lot accident7/27/2006
  Q: Settlement, Thanks a lot. Following your advice, it works for the first step. I have a rental ...
  A: Good to hear that we made a little progress for you, Lu. The insurance company will NOT go to ...
Lane Change Accident7/26/2006
  Q: I was driving my car in the far right lane of a 3-lane road in each direction (Roosevelt Blvd, ...
  A: You are in the right in this case: DO NOT BE THROWN OFF BY THE POLICE REPORT. What the officer ...
Claim Value of Totaled Car7/26/2006
  Q: My car was totaled in an accident 1 1/2 months after I purchased it (1400 miles), I was not at ...
  A: Insurance rights car accidents totaled repair valuation REPAIR USED and/or NON-Original ...
parking lot accident7/26/2006
  Q: Settlement, Thank you for the professional advice. For the first choice, I just have no full cover ...
  A: Lu, Thanks for the kind remarks you left for me in the feedback forum. I appreciate that. I think ...
parking lot accident7/25/2006
  Q: Settlement, I read lots of your advice here and learned so much. But for my special case, would you ...
  A: First, let's review the liability. The rules of the road apply in a parking lot, just the same as ...
Auto Accident7/24/2006
  Q: I was in a car accident and i was the passenger...the driver had insurance and the insurance company ...
  A: The insurance compay may or may not cover all of your damages, depending upon whether or not their ...
Insurance7/24/2006
  Q: I was recently involved in a car accident where the driver hit me from behind-- my car had a two ...
  A: The tortfeasor's insurance will pay you the estimate for repair of your damages. You MUST repair ...
repair cost7/22/2006
  Q: I was in a car accedent and in there settlement they only want to pay me $600 for the $2500. of car ...
  A: Car wreck totaled auto payment for repairs Insurance payment car repairs Car accident payment New ...
Should I make or even inquire about a $1.6K claim7/21/2006
  Q: Yesterday was my birthday. My wife decided that what I really wanted was a new front bumper and ...
  A: I would not hesitate to ask my insurance agent about this as she is in the best position to let you ...
auto accident7/21/2006
  Q: I was in an auto accident involving a rear end at a complete stop by the fault of a car 3 cars ...
  A: Minor Impact Soft Tissue (MIST) Low impact accident Soft tissue injuries low property damage ...
Pending accident claim7/21/2006
  Q: I was T-Boned in my car last year in October. It was around 2am and I was driving my two friends to ...
  A: You have asked me to value your claim, but that is impossible given the little information I know ...
Business Auto Stated amount7/20/2006
  Q: I have a 1980 Dump truck with only 30,000 miles. I'm concerned that if I have an accident, I will ...
  A: Maybe one of our insurance agent friends has a way to help you, but I do not know of any way to ...
Bicycle-Car accident on Private Parking Lot7/19/2006
  Q: I was recently involved in an accident with a car while I was on my bike. I was riding my bike on a ...
  A: Bicycle versus car accident Private parking lot bicycle car accident Correcting police car ...
Diminished Value on NEW Vehicle7/19/2006
  Q: 2006 Subaru Tribeca rear-ended 7-14-06. I am gearing up for the battle to have my car replaced. Have ...
  A: Diminished value car accident claim Damaged frame diminished value auto insurance claim Managing ...
liabillity7/19/2006
  Q: State: missouri, wife was in a car accedent where people waved her through congested traffic, she ...
  A: Whether or not the car that hit your wife's car had a license tag or an unlicensed driver is not ...
Property Damage claim7/18/2006
  Q: I hope you can share some words of wisdom on how to handle a property damage claim. Allow me to ...
  A: Intelligent money-wise buying auto insurance UIM claim for property damage (PD) At fault party PD ...
listed drivers on insurance policy7/18/2006
  Q: within my family, there are 4 drivers and 4 vehicles. we all live in the same house. all cars and ...
  A: Mike, Well, now we have another problem brought into the mix. That is the right of a secured ...
listed drivers on insurance policy7/18/2006
  Q: within my family, there are 4 drivers and 4 vehicles. we all live in the same house. all cars and ...
  A: Well, no, I have not run into a requirement of listing all four as principal drivers of all four ...
do i have to accept the offer7/17/2006
  Q: i was hit and i went and had my coustom ram van looked by 2 body shops and got prices to fix one was ...
  A: You are entitled to get the vehicle fixed at the autobody shop of your chooing. Call your state ...
auto claims7/17/2006
  Q: If i have had a "minor" incident which damaged my vehicle ( I hit one car with the other in my ...
  A: If you report an accident in which you were at fault and the amount paid in repairs exceeds some ...
Not at fault claims7/14/2006
  Q: I was in a recent accident where the other party received a citation for the accident and being ...
  A: I presume that the insurance company is having problems with their insureds because it is THEY (the ...
insurance law7/13/2006
  Q: So Does Delaware law stipulate the same requirements as most states; and if the plantiff in Delaware ...
  A: Marianne, Please look at the answer I already gave to you. In there I mentioned that the ...
insurance law7/13/2006
  Q: is it true that if you are a Pennsylvania resident and you have an accident in Delaware, and the ...
  A: Marianne, Please look at the answer I already gave to you. In there I mentioned that the ...
Being sued7/13/2006
  Q: My husband was in an accident two months ago. He was given a ticket for failer to give right of way. ...
  A: Here are the answers to your two questions. 1. Can she sue us even though we have insurance? Yes, ...
Insurance7/12/2006
  Q: I was a victim of a minor accident. My car was hit from a no insurance policy holder. He had a ...
  A: Sorry for the delay; going to bed so late after I finally got home from the replacement flight ...
Am I expecting too much?7/12/2006
  Q: Good Doctor, Thank you for your time! Sorry to hear about your flight delay. I look forward to ...
  A: Sorry for the delay; going to bed so late after I finally got home from the replacement flight ...
non- permissive driver7/11/2006
  Q: ------------------------- Dr Settlement, Just a quick update: After my ex husband's adjuster ...
  A: You did very nicely on this project. You stuck with it and you worked hard to gather the facts ...
who should pay?7/11/2006
  Q: Settlement, When at a recent event for scooter enthousiasts, someone ran into the back of our parked ...
  A: R. Sorry for the delay; going to bed so late after I finally got home from the replacement flight ...
Auto accident7/11/2006
  Q: I know this has been a commonly asked question. My wife was pulled over by a State Trooper on an ...
  A: Do not settle personal injury insurance claim too soon; Very large personal injury insurance claim ...
Forced to take salvage deduction in settlement7/11/2006
  Q: My son's 95 Explorer was rear ended when he stopped at a crosswalk to let a ped pass. No one was ...
  A: Sorry for the delay; going to bed after 4 AM used to be something I might recover from pretty fast, ...
Am I expecting too much?7/10/2006
  Q: Doctor Settlement, My wife was rear ended a few months ago. The driver admitted to negligence at ...
  A: I must apologize for the delay in writing to you. My flight was cancelled and I had to stay a day ...
insurance law7/10/2006
  Q: is it true that if you are a Pennsylvania resident and you have an accident in Delaware, and the ...
  A: NOT TRUE, in a court action. Some states do have laws whereby a claimant may discover the policy ...
Broken Ankle7/10/2006
  Q: I live in the state of Florida.On April 22nd of 2006 i was hired to do tree work with ny husband ...
  A: Sorry for the delay; going to bed so late after I finally got home from the replacement flight ...
checks7/9/2006
  Q: is it possible to check if a car i bought has been involved in any accidents
  A: As to "ANY ACCIDENTS", the answer is NO. As to serious accidents, the answer is MAYBE. Read on. ...
Two accidents...second settled first still pending.7/9/2006
  Q: Where to start...January of 2005. Events covering the last 16-17 monts: I was struck by a car that ...
  A: Two consecutive injury car accidents Injured once then another car accident injury Allocating ...
Hail damage claim7/7/2006
  Q: I just talked to my agent. The claim was high enough that they have to send out an adjuster, in a ...
  A: Casey, I am going to put out a request for any insurance adjuster experts to come to my aid here ...
Insurance Lein7/7/2006
  Q: My insurance company put a lein on a person's house for car accident i was in and he had no ...
  A: It is difficult to piece together what the scenario is here. My best guess from what you said is as ...
car park accident7/7/2006
  Q: hey, my car was parked in a no parking/loading zone out the front of work the car was being loaded ...
  A: I don't care if you were blocking the driveway itself, the car doing the backing has the burden of ...
reporting accident7/7/2006
  Q: I have noticed that it is repeatedly mentioned that all accidents should be reported to insurance ...
  A: You have received three pieces of bad information. I do not advocate reporting accidents such as ...
First Time Accident7/6/2006
  Q: I was rear ended about a month ago at a red light. The guy was going about 35-40 mph. My rear end ...
  A: Do not settle personal injury insurance claim too soon; Insurance claim serious disc compression ...
Claims7/6/2006
  Q: Are my rims covered on my auto Insurance? I put 24" rims on my car they where stolen and the thieth ...
  A: I do not know what kind of coverage you have purchased. So I cannot know for sure what is covered. ...
Policyholder Liability for Stolen Vehicle7/5/2006
  Q: My car was parked in front of my home and hit as part of a 3-car accident. The insurance company ...
  A: I have no knowledge of a statute such as you have imagined. How could that possibly work? Someone ...
Hail damage claim7/5/2006
  Q: My car has sustained hail damage. The damage is only a slight eye-sore. I'm in the process of ...
  A: You have no obligation to repair the car, UNLESS it is owned by the bank AND the damage is ...
stolen car7/5/2006
  Q: My car was stolen last night and i have liability insurance. The police found the car and said its ...
  A: Whether or not your car is covered by insurance depends upon what you bought. If you bought ...
Auto Injury claim7/4/2006
  Q: back in February I was in an accident with my 3 children. We were heading East and other driver ...
  A: Personal injury insurance claim minors Insurance injury minor settlement Court approval kids' ...
parking lot accident liability7/1/2006
  Q: I was involved in a parking lot accident where my car ( a 4 door sedan ) and the other party's ...
  A: I think the other guy is at fault, but I suppose one of the adjusters will no doubt claim that both ...
what should I expect7/1/2006
  Q: On March 13th 2006 I was rearended by this lady who was digging in her purse instead of noticing the ...
  A: You have asked me for tips on valuing your damages from an accident where you SUSTAINED SERIOUS ...
settlement check6/30/2006
  Q: my stepdaughter was recently in a car accident.after a few months the lawyers settled,they made her ...
  A: Congratulations on getting a personal injury settlement for your daughter. YES, someone is ...
non- permissive driver6/29/2006
  Q: Dr Settlement, Insurance adjuster who's handling my ex's policy has finally called me today and ...
  A: Dilek, I do not know any other way to put it, but I think you are a bit of a "loose cannon" in ...
non- permissive driver6/29/2006
  Q: Dr Settlement, As always, thanks for your response. I did call an attorney and made an appt. I will ...
  A: No, Dilek, I would not recommend that you write a letter. While it sounds like it makes perfect ...
insurance basics6/29/2006
  Q: i am a complete novice when it comes to auto insurance. i have some very basic questions. why do i ...
  A: Don't worry about being confused about auto insurance: sometimes we all are that way, and I suppose ...
Auto claim options6/28/2006
  Q: My wife recently hit a tree with her 2001 Toyota Avalon. Thankfully, she was not hurt. It really ...
  A: You have all of the choices you mentioned above, and more. Here is a brief summary of five choices. ...
accident liability6/28/2006
  Q: My daughter recently had a car titled in her name in the state of Missouri. She moved out of state, ...
  A: I wish I could give you a simple answer. But if that were the case, we lawyers would be out of a ...
personal injury claim from car accident6/28/2006
  Q: I now have excrutiating pain in my lower back after I do chores such as moppin, sweeping, and ...
  A: Ronda, I thought that you would have lower back pain this summer! You have a somewhat serious ...
New driver accident not at fault6/27/2006
  Q: 10 days after my son received his DL he was involved in a minor accident. The other driver backed ...
  A: Your rates cannot be increased if your son was not at fault and the other party pays you to fix your ...
personal injury claim from car accident6/27/2006
  Q: My bills are totally $1,800. I was hit during the x-mas season and in pain and on muscle relaxers ...
  A: The key to valuing your claim is whether or not the summer weather has brought out any pains at ...
non- permissive driver6/27/2006
  Q: Dr Settlement, That's exactly what I'm worried about too. USAA might deny coverage to my car and to ...
  A: As I stated, you need to see an attorney TOMORROW. I will not join in the game of "twenty ...
report accident or not?6/26/2006
  Q: I recently was at fault and damaged a parked car by colliding with the back bummer. I left a note on ...
  A: The decision whether or not to turn your claims over to your insurance company should involve an ...
PERIOD FOR FILING AN AUTO ACCIDENT CLAIM6/26/2006
  Q: I was recently involved in a very minor bump to a car in front of me. The bumper of the car involved ...
  A: You have two kinds of cases to worry about. First, she could file with your state department of ...
auto accident6/24/2006
  Q: 2 questions...1.i backed into a parked car.we both contact our insurance.our insurance pays for our ...
  A: I am going to shop for you to get a big blow-up bumper set to put around your car next time you ...
non- permissive driver6/24/2006
  Q: It's greatly appreciated. Your letter gave me a lot of hope that I might be entitled to recover ...
  A: PLEASE CONSULT AN ATTORNEY ABOUT THIS ASAP. I am going to have to change my first answer based ...
Insurance Settlement Claim.6/23/2006
  Q: I was in a car accident back in November 25, 2005. We was in a 5 car accident. I was the passenger ...
  A: Knee problems ARE FOR LIFE. DON'T SETTLE TOO SOON. It has only been eight months—that is nothing ...
auto accident with prior injuries6/23/2006
  Q: Doctor Settlement, I was in an auto accident where a driver pulled across oncoming traffic. ...
  A: //www.SettlementCentral.Com, I wish it DID have a lot more free information; we are adding on all ...
Personal Property Damage in Auto Accident6/22/2006
  Q: Yesterday I got into an accident on the highway where due to rain I lost control of my vehicle. When ...
  A: Damage to your laptop will NOT be covered under your own comprehensive auto policy. IF SOMEONE else ...
non- permissive driver6/22/2006
  Q: I own a 2003 Toyota Camry. I have liability insurance with USAA. My daughter, Stacy, 19, who's ...
  A: This is a peculiar series of give and take by USAA! There are three issues to resolve in this ...
Partly my fault, very minor damage to unisnured driver in her friend's car6/22/2006
  Q: I was parked between two big cargo vans, and couldn't see to my sides as I backed out. Tha lady ...
  A: I am not sure who is at fault here, because it seems both drivers bear some blame. In the first ...
personal injury settlement6/21/2006
  Q: Insurance company made first offer today for $18,000.00. Their insured driver ran a red light 8 ...
  A: PLEASE HAVE NO FURTHER CONVERSATIONS WITH THAT ADJUSTER UNTIL YOU HAVE DIGESTED WHAT I HAVE TO SAY ...
auto insurance claim6/19/2006
  Q: On July 29 2003 I was rear-ended in Washington DC. The damage to my car was appr $6500 and was ...
  A: I hate to tell you this but you are going to be my "poster girl" for advice to get something going ...
Insurance Cliam6/19/2006
  Q: My car was stolen May 30th, and recovered the very same evening. It took 2 1/2 weeks before the ...
  A: You asked what you think is a simple question, but there are five different issues involved. I will ...
auto insurance6/17/2006
  Q: I have recently moved to TN and I got married to a woman that came with me here and we have ...
  A: I spent over half an hour wading through your state statutes and I just could not come up with any ...
My fault with no accident6/15/2006
  Q: My accident happened like this: I was at a stop sign wanting to turn left. A car about five cars up ...
  A: In direct answer to your question, it could be fraud if the young man is claiming damage in areas ...
Is this enough $$$?6/14/2006
  Q: I was rear-ended almost 2 weeks ago. The other party's insurance agency assumed full liability, and ...
  A: You are smart to hold onto your title; a quick check shows that their offer is FAR TOO LOW. I am ...
Insurance replacing infant seat6/13/2006
  Q: On 5-6-06 my 6 month old and I were in an auto accident, 5 cars on a major highway in Oklahoma City, ...
  A: The answer to your question is real simple. The tortfeasor HAS TO REPLACE ALL DAMAGED PERSONAL ...
Totalled lease6/12/2006
  Q: I leased a Nissan 350Z Roadster. My buyout price is $20,500. I owe 5 more months at $629. I totaled ...
  A: Well, that is what you get for not buying American! Just joking, Sean—it is a nice looking car. ...
Stolen Vehicle6/12/2006
  Q: A coworker of mine stopped to get gas at a service station. When he started to pump gas he was ...
  A: This is a new one for me inasmuch as the most excitement we get is just negligence or maybe a DUI or ...
Compensatory Damage Confusion6/9/2006
  Q: I was involved in a MVA about 5 weeks ago. I was rear-ended at a light where I was at a complete ...
  A: You have asked me for tips on valuing your damages from a "DEEP soft tissue injury that happened ...
car payoff6/9/2006
  Q: They have totaled the car so what are my choices now? They are also telling me I have until saturday ...
  A: DO NOT "JUMP" JUST BECAUSE THE INSURANCE ADJUSTER IS PUTTING PRESSURE ON YOU. The only time frames ...
car payoff6/8/2006
  Q: I was in a car accident june 1st and the insurance company is willing to pay my car off but only ...
  A: Your solution here would be to fight for a higher actual cash value because that is all you are ...
Auto Accident6/8/2006
  Q: We had an auto accident early this month, a New Jersey Transit Bus swerve to our lane hitting the ...
  A: It sounds like you went to an attorney to see if he would take your case, and he did not give you a ...
Hit by a drunk driver!6/7/2006
  Q: I was hit by a drunk driver that hit me and ran, I followed him and he was arrested and charged with ...
  A: No, I have no idea what is "fair" given the little information you presented here. There are a ...
state farm6/7/2006
  Q: dont they have to repair the car as it was before the accident to same condition with orignal volvo ...
  A: Yes, you are partially right; the company DOES have an obligation to repair the car to pre-accident ...
Car accident settlement6/6/2006
  Q: OK, David, I think I have provided you with sufficient ammunition to succeed in getting all of the ...
  A: DO NOT SIGN THAT SETTLEMENT AGREEMENT UNTIL YOU GET A SECOND OPINION. I wonder if this is worse ...
MY INSURANCE PAYING FOR THE OTHER VEHICLE6/6/2006
  Q: I was in an accident recently, with my parents neighbor. I have full coverage, and from my ...
  A: Sorry, but the burden is on the person who is moving to do so without hitting anything that is there ...
Car accident settlement6/5/2006
  Q: I was involved in car accident back on Sept 29, 2005. I was back passenger we was involved in a ...
  A: I am sorry to hear of your extensive injuries. These are indeed serious, and it appears that the ...
Totalling a vehicle, as opposed to repairing it.6/3/2006
  Q: Montrose, Colorado: On May 30,2006 as my mother was driving through a parking lot at a grocery store ...
  A: The decision to total usually comes when the cost of repairs exceeds around 70%-75% of the actual ...
Auto accicdent, No Insurance6/3/2006
  Q: Yesterday I got involved in a 3-car accident. Being the 1st car at fault and me just happened to be ...
  A: You will have to provide me more information in order to answer your question. Who is at fault ...
Driver not on my policy (nephew)5/30/2006
  Q: My nephew (22 years) was driving my car. He ran off the road into a fence. No other vehicles were ...
  A: This is a family political problem all right. If your nephew was dodging a horse in the road, or a ...
Comprehensive Claim5/30/2006
  Q: I recently filed an insurance claim for hail damage to my vehicle. I received the check for the ...
  A: The repair shop thinks it is a real good idea! But in fact it makes no difference whether or not ...
Auto accident5/29/2006
  Q: I was involved in a auto accident back in FEB. The question I have is my medical bills $55,000 ...
  A: You have three issues, which I will take up in the following order. You have a VERY SIGNIFICANT ...
determing liabilty5/27/2006
  Q: I was involved in an accident on 5/12/06. I was proceeding northbound in the left hand lane which ...
  A: First, if you have rental car coverage on your own policy, get it going NOW, irrespective of what ...
total loss claim and lein holders5/23/2006
  Q: i recently received hail damage to my car and the insurance company said it was a total loss. the ...
  A: SHORT ANSWER: The bank probably CAN do this, but the sales price has to be commercially reasonable. ...
Tottalled Lease5/22/2006
  Q: We were leasing a Honda Civic from Honda Finance Corp of America and the car was in an accident near ...
  A: This is a frustrating situation, but it is governed by the terms of your lease. Having a car ...
Responsibility of child being hit by motorist5/22/2006
  Q: Settlement, In May of 2005 my daughter was hit by a teenage motorist, who was at fault for not ...
  A: You have been tagged with an "at-fault" accident. I have no idea how that could happen if the facts ...
Insurance Settlement5/22/2006
  Q: I took a check from an insurance company for damages. Can I change my mind and renegotiate? A guy ...
  A: You are not bound by your settlement if you have not endorsed the check. They did not have you sign ...
Accident-Insurance cancelled5/21/2006
  Q: Settlement, I am in a different situation. I have had insurance with Multi-State for serveral ...
  A: There are hundreds of stories just like yours each year. It seems that all the goodwill just seems ...
Why purchase more insurance than state law requires?5/19/2006
  Q: My state only requires $50,000 / $100,000? Why would I carry more than the minimum? From what I ...
  A: The reason you want to carry as much as you can afford is two-fold. First, you are talking about ...
USAA DOV accident w/uninsured motorists5/18/2006
  Q: I am being given the royal runaround by USAA. I was hit by an uninsured motorist so USAA is in ...
  A: Here is my short answer: the ONLY WAY to get around that decision is to file for UIM Property damage ...
MY SON'S ACCIDENT5/18/2006
  Q: Settlement, I have been reading through theses posts and your website and have found a lot of ...
  A: It is no fun to watch our children suffer with injuries. In this case, the injury is severe, at ...
Insurance Claim5/18/2006
  Q: We recently had a hail storm that came through where we live. We had a large amount of hail damage ...
  A: Did the auto body shop do any work on your car? If so, you have to pay them. If not, call the ...
Options for an auto accident5/18/2006
  Q: I was involved in an auto accident in Aug 2005. I was hit in the rear by a driver, who was in turn ...
  A: It sure is frustrating to deal with insurance adjusters, isn't it? The key here is to let the cars ...
Stolen 2005 Altima5/17/2006
  Q: My 2005 Altima (no previous repair work) was stolen from a friend's driveway in Danville, AL on ...
  A: I know you are upset about the drugs in your car, but from what I can research, there is no danger ...
Auto Accident claim question5/16/2006
  Q: I was in a car accident about a year ago. It was a pretty bad accident, my car was tottaled and I ...
  A: Lindsay, There is nothing at all wrong with your gathering all of the records for the adjuster, ...
Policy limits5/16/2006
  Q: I was involved in an accident last June. I was at a complete stop with another vehicle in front of ...
  A: I am sorry to hear of your extensive injuries. These are indeed serious, and it appears that the ...
Personal Injury Settlement5/15/2006
  Q: I was involved in a rear end accident about a month ago. A motor home had pulled out in front of me ...
  A: There you go, giving us yet another reason to dislike those behemoths that people insist to drive ...
Auto Claim question (vandalism)5/15/2006
  Q: My explorer was keyed on the passenger side approx. 6 months ago. I finally made a vandalism claim ...
  A: Don't shoot the messenger, but I think that this is two claims. What if you had two accidents, one ...
opinion on how much should I accept5/14/2006
  Q: I was involved in an auto accident about a year ago. I was hit almost head on and I broke my heel ...
  A: I kind of winced when I read about the metal plate in your foot. That tells us that you have a ...
Comprehensive claims5/12/2006
  Q: I have been living out the country for the past 2 years, 6 months prior to leaving the US I made a ...
  A: Will your claim affect your rates? Well . . . . that depends. Did you run your vehicle thru a ...
Accident Coverage5/11/2006
  Q: I was involved in a head on accident. The other vehicle involved came into my lane of traffic. The ...
  A: Yes, Chery, the owner of the vehicle will use his insurance to pay for both your property damage and ...
Auto Accident claim question5/10/2006
  Q: I was in a car accident about a year ago. It was a pretty bad accident, my car was tottaled and I ...
  A: I am sorry to hear that the impacts of the car accident have carried on this long with continued ...
Lost Scholarship5/9/2006
  Q: I was recently in a car accident where the other person was found at fault. They had no insurance ...
  A: Loss of employment advancement and loss of money due for work to be performed are payable and also ...
Car Insurance5/9/2006
  Q: My father owns the truck i drive, the full coverage auto policy is in his name and i am listed as a ...
  A: You are listed as a driver, and hence as an insured under a policy owned by your father, who also ...
Major accident /did I get a lawyer too quickly?5/9/2006
  Q: My wife and 2 sons were involved in a major accident on the highway, 3 may 06. The other vehicle ...
  A: Lew, It is surely good news for your entire family, and we do see your wife making a speedy and ...
Auto claim5/8/2006
  Q: While I was at work one day my vehicle was vandalized by one of the clients there. I work at Father ...
  A: This is OUTRAGEOUS conduct if in fact your estimates were both at $8,000 and the insurance company ...
Lower back cracked5/6/2006
  Q: I was involved in an accident here in oregon. I was hit from behind while I was stopped at a red ...
  A: A cracked vertabrae is SERIOUS BUSINESS, and while I am sure you are in good hands on the medical ...
hit and run5/6/2006
  Q: this happened a few months ago and i know it is too late, but i'm just curious. my husband's truck ...
  A: What a story of police indifference! It seems to me that they should have investigated a hit and ...
What is my obligation?5/4/2006
  Q: In early March I was involved in an incident in my work parking lot. I was backing out of my ...
  A: You and I share that old parking lot syndrome: someone is moving AFTER we start to back out. That ...
Insurance settlement offer fair?5/3/2006
  Q: I'm trying to get perspective on a pain-and-suffering offer I was given for a rear-end collission I ...
  A: It is good to hear that you recovered fully. Still, have you any assurance that your back and neck ...
Personal Injury Settlement5/3/2006
  Q: I was involved in a car accident on Jan. 21st 2006, and was not at fault. The other driver t-boned ...
  A: I am sorry to hear that your pains have continued after stopping your course of treatment. That is ...
How to settle5/3/2006
  Q: I had an accident in November, I was rear ended. I was on my way to school, for a midterm. ...
  A: Yours appears to be a simple question, but there are complexities that need to be discussed. I am ...
Opening an insurance agency5/3/2006
  Q: I want to become an American Family insurance agent? Any comments from Am Fam agents on whether or ...
  A: I am an attorney, so have no idea whatsoever whether or not the income matches the work effort one ...
Hit and Run5/2/2006
  Q: I was in a car accident and was run off the road and the other vehicle kept going. I was driving my ...
  A: I can see that this is a tough situation for you, so I will try extra hard to suggest some ...
Pressure to settle4/25/2006
  Q: Another car hit me pushing me into oncoming traffic where I was hit by 2 other vehicles. His co. ...
  A: DO NOT SETTLE YOUR PERSONAL INJURY CLAIM UNTIL AT LEAST SIX WEEKS POST-ACCIDENT. You also have work ...
Auto accident4/24/2006
  Q: Well in a intersection. I had a red light, stop. Heading south going 'straight when it was green. I ...
  A: The guy who ran the red light is at fault. You were in the intersection AFTER the light turned ...
Diminished value4/21/2006
  Q: This is not a personal injury question, but you are the only expert listed for auto insurance. I ...
  A: Sorry to hear your "baby" had such a big trauma and injuries. I hope that the repairs did not leave ...
car hit with liability only4/18/2006
  Q: My brother was involved in an accident which was the other driver's fault. The other driver did not ...
  A: Sorry to hear that your brother was not insured. "What happens in a case like this" is that he gets ...
Statute of Limitations for Auto Accident4/18/2006
  Q: Ok, here goes. I purchased my (first ever) new car on 9/3/04. 2 days later, it was parked parallell ...
  A: Sorry to hear of your predicament. Do I understand you to say that you are going after the ...
Accepting settlement offer4/18/2006
  Q: Our vehicle was involved in an accident caused by an uninsured motorist, so we turned to our insurer ...
  A: Sorry to hear that your "baby" was totaled. That ususlly means a lot of trauma, so you may also be ...
car accident4/12/2006
  Q: Our grandson who is 18 hit a car that was backing out of the driveway today. He called his grandpa ...
  A: I hope you will not take it out on me if I send you some really bad news: your husband just wasted ...
Car damaged in garage4/11/2006
  Q: I park monthly in a valet garage in NYC and my car was damaged by this valet guy that went crazy and ...
  A: Sorry to hear your car was messed up. There are three questions you have asked. First, is it ...
car insurance4/10/2006
  Q: i am 24 old .what is the different between i buy the insurance myself and covered under my father's ...
  A: This appears at first to be a simple question, but as you will see, it is LOADED with legal ...
Insurance claim4/10/2006
  Q: I am 29 years old, Living in Texas, and was just recently in an acident. I was hit from behind in ...
  A: I will answer your questions in the order you asked them, and I will include a link or two to my ...
Hit and Run4/6/2006
  Q: A vehicle crashed into my parked car and took off. Damage is only to the left front fender and ...
  A: Yes, your Uninsured Property damage coverage should cover that situation. It will help you if you ...
What if neither driver has collision coverage?4/1/2006
  Q: I do not have collision coverage. What happens if the other driver does not have collision coverage ...
  A: , From the sound of it, you were the party with the right of way inasmuch as you were already on ...
how to proceed ?3/31/2006
  Q: I was rearended by tractor trailer on hwy when stopped.Isustained neck/back knee whiplash.iwas ...
  A: Sorry to delay my answer, but I was in Italy with no access to the Internet. But you will also be ...
Auto insurance claim3/28/2006
  Q: Can you file a claim with your auto insurance co., if you accidentally close the hood of your car, ...
  A: I would go to another body shop for a second opinion and then decide whether or not to turn in the ...
No License...No insurance .....Yet....buy used car?3/25/2006
  Q: I will be taking my driver's test next week. I have found a really good used car that i like. ...
  A: It would be a lot better for you to put down your payment with the seller and have him hold the car ...
Auto injury settlement3/3/2006
  Q: I have no SUM, and the driver who hit me has only a residential house and vehicles for assets. Are ...
  A: I will bet that you insure fully in the future; one is really insuring herself against the other ...
Auto injury settlement3/2/2006
  Q: I was a pedestrian hit by a truck, sustaining multiple injuries, teeth, head, neck shoulder and ...
  A: Your injuries are very serious, and I hope you are restored to good health soon. Insofar as the ...
car insurance claim2/27/2006
  Q: My sister, who is listed on my car insurance, was driving at night on the interstate, was followed ...
  A: Sorry to hear of the loss of her dog, and of course the loss of your car. But at least your sister ...
Should I Get An Attorney?2/20/2006
  Q: My wife was rear-ended on 2/16/06. At the seen the investigating officer directly stated my wife was ...
  A: I am sorry to hear you are experiencing a bit of a "run around", and especially since your wife ...
Car hit in accident has no coverage2/17/2006
  Q: My car was hit by another driver while being repaired. At the time it had no coverage. There was a ...
  A: Yes, you WILL be entitled to compensation for damage to your property by the fault of another ...
Resolving a personal injury claim and more2/15/2006
  Q: I'll try to be brief, but it is involved. On an early West Virginia evening in Sept. 2005, I was ...
  A: Nichols, I am sorry to hear of all your injuries, and also the way the accident impacted your life. ...
Auto Accident in parking lot2/15/2006
  Q: I had an accident in a parking lot a few days ago in my 2001 pontiac sunfire, I was backing out, ...
  A: This is always a frustration in dealing with insurance adjusters who were not there. One little ...
auto insurance2/4/2006
  Q: my hubby was involved in an auto accident..the other guy was at fault. the other drivers ins. comp. ...
  A: xxxxxxxxxxxxxxxxx Dear Melissa Thompson, I am not sure what "fees" are being deducted, so if you ...
Auto Accident1/25/2006
  Q: I was a passenger in a vehicle accident in 2002.We were hit by a drunk driver that fled the scene of ...
  A: xxxxxxxxxxxxxxxxxxxxx Dear Mark Beekman, I can hear your frustration and doubt loud and clear. ...
Car Fixed but should've been totalled!!!!!!!1/17/2006
  Q: About 2 months ago I was driving my 2004 Pontiac Grand Am and I rear-ended a car and had major ...
  A: xxxxxxxxxxxxxxxxxxxxxxxx Hello again, Tiffany, I can feel your frustration, and it is not uncommon ...
Insurance limits1/16/2006
  Q: If a settlement is awarded that exceeds the amount of coverage by an isurance agency, what happens ...
  A: xxxxxxxxxxxxxxxxxxxxxxxxx Dear Nathan, The Plaintiff who wins a judgement in excess of policy ...
auto insurance1/15/2006
  Q: I don't know if you can answer this question, but right now I don't have anyone else I can turn to. ...
  A: xxxxxxxxxxxxxxxxxxxxxxxxxx Dear Zoe and Step-Dad, Call the nearest Navy recruiter and get that ...
Car Fixed but should've been totalled!!!!!!!1/12/2006
  Q: About 2 months ago I was driving my 2004 Pontiac Grand Am and I rear-ended a car and had major ...
  A: xxxxxxxxxxxxxxxxxxxxxxxxxxx Dear Tiffany, That sounds like quite a bit of trauma invloved so you ...
Personal Injury from an Auto Accident1/10/2006
  Q: My wife (Gail) was a passenger while my daughter was driving. A driver in a pick up truck hit the ...
  A: I am sorry to hear of the serious injuries sustained by your wife, Gail. It is hard to see a loved ...
Auto Insurance Claim1/5/2006
  Q: I was rear-ended on Christmas Eve. The guy originally wanted to pay but disappeared after I gave him ...
  A: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Hi Eddie, Glad to hear that you were ...
boating accident insurance settlement1/3/2006
  Q: This past summer I was a passenger on a friend's small ski boat on a river in missouri. My husband ...
  A: Wow, that is a good reason to be an "EXBOATER"! I hope your injuries heal and you do make a ...
DUI insurance settlement1/3/2006
  Q: On 6/17/05 i was involved in a head on collision with a drunk driver. the accident was ruled his ...
  A: Sorry to hear of your serious injuries. From your description, you are in NO POSITION TO EVEN THINK ...
$500 for "pain & suffering" to settle?12/27/2005
  Q: I was involved in a minor auto accident 5 weeks ago. This 93 year old guy pulls out in front of me, ...
  A: You pose a classic question, and many injured people are in the same position: should I just take ...
Settlement on Total Loss - Vehicle12/27/2005
  Q: My daughter's car is wrecked. The car had almost $7000 worth of damage, so they are offering me a ...
  A: Sorry to hear of your daughter's big accident; with that much force involved, we hope she was not ...
neighbors 14 year old hit our car10/31/2005
  Q: Our neighbor's 14 year old son decided he needed to drive his parents car to get to a phone (they ...
  A: This is really outside of my area, but I will throw in my two cents worth anyway. I guess I side ...
Average Settlement10/27/2005
  Q: Is there a formula for figuring pain and suffering damages. An accident where the car was a total ...
  A: Sorry to hear you still have nagging injuries since those can continue on for quite some time, ...
Average Settlement10/27/2005
  Q: Is there a formula for figuring pain and suffering damages. An accident where the car was a total ...
  A: Sorry to hear you still have nagging injuries since those can continue on for quite some time, ...
insurance claim10/16/2005
  Q: my car was was hit from behind at a red light and was the sec. car in line. The car behind my car ...
  A: WOW, Melissa, how can such a simple looking paragraph contain SO MANY complex questions. It is ...
Insurance9/26/2005
  Q: -------------------------The claim would be for the damages that occurred to my car and the stop ...
  A: No need to apologize for continuing to ask, Suede. We all try to help, and my own words might have ...
Insurance9/26/2005
  Q: -------------------------If his insurance should be cancelled, can he still file the claim? Is there ...
  A: Suede, Here are your questions, AND MY ANSERES: 1."If his insurance should be cancelled, can he ...
Insurance9/26/2005
  Q: -------------------------Thank you so much for your prompt response. It is very much appreciated. I ...
  A: Suede, No problem in answering follow up questions. Keep asking until you are sure of what you ...
Insurance9/25/2005
  Q: I hope you can help. My bother and I rent from our mother. His family lives downstairs, mine ...
  A: Yikes! This is a complicated situation and it could be a good law school exam question if we just ...
Auto Accident Claim-% at fault9/19/2005
  Q: I did not put in a claim with my insurance company for reimbursement, I simply reported the accident ...
  A: Congratulations Tami-Jo--I think you are on the right track. First, lets make sure I understand ...
Colussus9/17/2005
  Q: How does Colussus affect insurance awards?
  A: This is a timely question because more insurance companies are using this software to adjust ...
Auto Accident Claim-% at fault9/17/2005
  Q: I hope you can give some insight to this dilemma even though it does not pertain to injury. I live ...
  A: and I will try to give you some pointers to help you resolve the matter. There are three aspects to ...

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