Auto Insurance Claims - Auto Insurance - Autos

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About webfoot
(Top Expert on this page)

Expertise
Auto damage, liability, insurance fraud. I am a full time auto insurance adjuster with experience in collision, theft, liability and fraud investigation. I am also an ASE Master Auto Tech and I-Car Collision Platinum certified. My experience includes 15 years in the auto repair industry, a B.S. in Criminal Justice, Law enforcement and auto insurance. ****** NO "PRIVATE" QUESTIONS WILL BE ANSWERED. I HAVE FOUND THAT NEARLY ALL PRIVATE QUESTIONS COME FROM PEOPLE WHO ARE CONSIDERING OR ATTEMPTING TO COMMIT FELONY INSURANCE FRAUD AND I'M NOT HERE TO HELP YOU! ****** I AM HERE TO ANSWER AUTOMOTIVE REPAIR, CLAIMS PROCESS AND SOME SIMPLE LIABILITY QUESTIONS. I CANNOT ADDRESS COMPLEX LIABILITY SCENARIOS WITHOUT HAVING ALL OF THE INFO FROM BOTH SIDES IN FRONT OF ME. QUESTIONS ABOUT PREMIUMS OR HOW INSURANCE IS RATED SHOULD BE ADDRESSED TO YOUR PERSONAL INSURANCE AGENT WHO KNOWS A WHOLE LOT MORE ABOUT YOUR HISTORY THAN I DO. I'VE NEVER SOLD INSURANCE AND DO NOT KNOW IF YOUR INDIVIDUAL INSURANCE RATES WILL GO UP IF YOU MAKE A CLAIM. THOUGH I'VE HANDLED SOME VERY MINOR SOFT TISSUE INJURY SETTLEMENTS, I PREFER NOT TO ANSWER INJURY RELATED QUESTIONS. I'M NO INJURY EXPERT AND I'LL LIKELY SAY SOMETHING TO HURT SOMEONE'S FEELINGS AS I BELIEVE THAT MANY SOFT TISSUE PAIN AND SUFFERING CLAIMS ARE OVER DRAMATIZED. UNLIKE MANY OTHERS, I AM ON THIS FORUM AS A VOLUNTEER WITH NO PRODUCTS OR SERVICES TO SELL AND PROMISE AN UPFRONT ANSWER BASED ON MY EXPERIENCE IN BOTH SIDES OF THE INDUSTRY. IF YOU PROVIDE ME WITH A HONEST VERSION OF EVENTS, I PROMISE A CANDID AND HONEST ANSWER IN RETURN. I CANNOT ADDRESS ALL CLAIM SCENERIOS DUE TO DIFFERING STATE LAWS AND REGULATIONS, BUT WILL DO MY BEST. PLEASE REMEMBER THAT AN HONEST ANSWER MAY BE ONE THAT YOU DON'T LIKE SO IF THAT IS GOING TO BE A PROBLEM, PLEASE DON'T ASK THE QUESTION. LASTLY, I DO NOT ACCEPT RATINGS AS I DON'T DO THIS FOR RATINGS AND WISH TO SPEAK FREELY.

Experience
20 years in automotive industry, Currently in insurance claims, worked actively as technician and shop owner until about 10 years ago. Current ASE Master Auto Tech and I-Car Platinum Collision Certifications, B.S. Criminal Justice and 10 year auto insurance/extended warranty background

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

Questions Answered By Expert webfoot
In Category Auto Insurance Claims

Subject	Date Asked

Insurance offer	5/2/2009
Q: Webfoot after reading your profile I picked you because of your honesty. I was in a accident ... A: I generally do not address bodily injury issues as my experience on that end of insurance is very ...
Insurance claim over 1yr old? Follow up Question	4/29/2009
Q: I received a response from another 'expert" but he did not answer my main question and now he is ... A: Insurance and liability generally follow the car, not the driver. Your friend who owns the car ...
auto accident liability coverage	4/27/2009
Q: From Georgia - my sister had a truck; liability coverage; her son not living with her at time of ... A: He would only be "excluded" if she specifically listed him on the policy application as an excluded ...
My body shop is really bad. Plz help me	4/24/2009
Q: My body shop did a lot of supplemental repairs without noticing either me and my insurance company. ... A: The legality of performing additional repairs without authorization varies from state to state. It ...
Open car door in parking lot	4/21/2009
Q: I read with interest about your response in relation to the car door. We were in the same situation ... A: Road rule is a generic term. Basic rules of auto liability dictate that the person with the least ...
truck caught on fire while in the auto shop	4/20/2009
Q: My husband and I dropped his 2001 Ford F150 Truck off at an auto shop on Thursday. A shop we have ... A: That is a rate/underwriting question which as stated in my profile and question instructions, I have ...
truck caught on fire while in the auto shop	4/19/2009
Q: My husband and I dropped his 2001 Ford F150 Truck off at an auto shop on Thursday. A shop we have ... A: I would file with insurance and then the insurance company can choose whether to pursue the repair ...
AAMCO totaled my grooming van and won't pay	4/18/2009
Q: Here's my dilemma... I purchased a mobile grooming van for $8,300 and brought it to a local repair ... A: Regardless of the "book" value, the van was obviously equipped with more than standard factory ...
Car Insurance question...	4/16/2009
Q: I live in the state of Connecticut. I was wondering if you would know the answer to this what may ... A: I have never heard of such a law, but remember that an insurance policy is a private contract and ...
auto insurance claims	4/15/2009
Q: A Geico insured driver hit my car. the police gave the geico insured a ticket for driving into my ... A: Cathy, Dang those lizard and eye-balled money stack loving Geico drivers... I actually have a ...
Auto Repair/Insurance	4/10/2009
Q: I am from upstate New york and I was in an auto accident on March 4,2009. Our insurance company ... A: You certainly can as long as you understand that the insurance company only owes the cost of one ...
3-car accident	4/3/2009
Q: My wife was in a 3-car accident. She was the middle car. Right after the accident, all drivers got ... A: One thing is being an expert in a given field and another is being a physic. If you read what you ...
3-car accident	4/2/2009
Q: My wife was in a 3-car accident. She was the middle car. Right after the accident, all drivers got ... A: The scenario that you describe is not very plausible and unless you or your insurance company is ...
car accident sublet what does that mean	2/20/2009
Q: Our son was in an accident in which the other driver failed to yield to him and hit him in the ... A: Maria, The term is not sublet. It is "subro" which is short for subrogate. As you filed a claim ...
The insurance paid me a lower estimate	2/10/2009
Q: My insurance estimate is lower than any repair store’s estimate. The insurance sent me the check one ... A: Collision repair estimates are generally subjective. Insurance companies write the best case ...
I hit some one....had no insruance till later that day. No injuries. Texas	2/8/2009
Q: I just got a car on 6th evening from a friend. On 7th morning I took an appointment at insurance ... A: The damages that you just described are only what you can see and you would likely be looking at at ...
How to Get Photos Taken By Appraiser	2/5/2009
Q: I was involved in an accident in which I was hit by another driver. His insurance company sent an ... A: You state that your car no longer looks like it did "after it was hit". Does it look like it did ...
Car door hit in parking lot.	2/3/2009
Q: I was pulling into a parking space and hit the open door of the car next to me. I say that she ... A: Yes you are. If you had been pulling into the space with all due caution, a door opening in front ...
Damage claim- can I repair the vehicle	2/2/2009
Q: Will my insurance company (Geico) pay me to repair my claim? They are telling me the check will be ... A: This is likely because you still have a loan balance on the car. The insurer is under a legal ...
car damage; not at fault	1/29/2009
Q: Recently, someone hit me while I was stopped (he didn't notice me because he was on the phone). He ... A: I'm afraid that I have to agree with your insurance company. I would be physically impossible to ...
i have no insurance!!!!!!!!!!	1/23/2009
Q: i was in a car accident today at about 3:00 pm. i was driving down the hwy and there was a woman ... A: Dang Patrick. There is no way that I can sugar coat this one. Any attempt at getting insurance ...
Filing a claim and language	1/17/2009
Q: I was recently involved in a small fender bender where I was making a left hand turn and failed to ... A: There is no way that I can determine fault without a great deal more information. The lack of a ...
Other driver's insurance dragging feet?	1/15/2009
Q: I recently was in an accident in Il. My vehicle spun out on an icy road, and popped 2 tires. While ... A: I have no idea what the time limit is as I do not know where you live and if there even is a written ...
excluded driver in Texas	1/14/2009
Q: Can someone be excluded if they do not reside at the same address? The at fault party's insurance ... A: A driver is generally only excluded if they have been listed as excluded on the insurance ...
Denial of my claim.	1/10/2009
Q: To start off I am 21. I was driving my parents car when I got into a accident with another vehicle. ... A: I've never heard of a "temporary" driver status. Must be something that is either exclusive to your ...
Towing issues	1/8/2009
Q: I have towing included on my car ins.I have never had a problem before with my ins. co. taking care ... A: Roadside assistance type plans are designed to tow a vehicle due to mechanical failure, flat tire, ...
deer and icy conditions..hit a guard rail	1/7/2009
Q: just a few days ago i swerved to miss a deer on the highway. I was doing approx 85 km in a 100 kmh ... A: Sorry to hear about that. It happens down here in the south all the time, with or without ice. As ...
auto theft	1/4/2009
Q: My car was stolen about 3 weeks ago. I have fully cooperated with the insurance adjuster and have ... A: Rights? Your rights along with your responsibilities are listed in the policy that you signed, ...
Brand new BMW backed into!	1/3/2009
Q: I just leased a brand new BMW 750 4 weeks ago and have already got into an accident! I was in the ... A: It is so ironic that I received this question from you tonight as I was able to share it with my ...
Number of days to make a claim	1/1/2009
Q: My boyfriend scrapped a car in a parking lot, causing minimal damage and left the scene because he ... A: I'm surprised to hear that your boyfriend was charged with a hit and run that occurred on private ...
does the insurance company "own" my car if it is stolen and recovered?	12/31/2008
Q: our car was stolen today. after finally being able to make a report to the sheriff i called and ... A: The insurance company would only be retaining recovered salvage if at least 30 days have gone by, ...
Tow company drops car in ravine - liability for loan gap	12/30/2008
Q: I recently slipped on black ice and ran approx. 40 feet into a ditch, miraculously causing very ... A: The tow company owes you the same thing that your insurance company does which is the fair market ...
Claim for the loss of GPS	12/29/2008
Q: I kept my newly purchased GPS in the Car and it was stolen. Is there any way I can get it reimbursed ... A: Auto policies generally cover cars only,,not contents. Homeowners or renters policies will often ...
What private information am I to answer the insurance adjuster	12/26/2008
Q: My car caught fire while driving on the highway in the state Florida. The fire department and the ... A: The answer to your question lies in the language of the insurance policy that you purchased. As I ...
Auto Insurance Claim	12/16/2008
Q: I had a car accident 5 months ago and the at fault party's insurance is now ready to settle. I ... A: I do not generally answer bodily injury questions as my instructions clearly state. However, I can ...
Supplemental Claims	12/5/2008
Q: The day I purchased my 'NEW 2007' vehicle, I was rear-ended while waiting to enter the street from ... A: All states do have a statute of limitation on first party claims but I can only speak for Georgia ...
boaderline repair / total what are my rights after the initial decion has been made	12/4/2008
Q: I have recently had an at fault accident, the adjustor and the garage came to a similar ballpark ... A: The insurer has the obligation to either repair the vehicle or pay its actual cash value and retain ...
Insurance Company Assigning Liability for an Accident	12/3/2008
Q: My 19 year old son was recently involved in an auto accident in Pennsylvania. He was trying to make ... A: The spirit of the law that you cited was to clarify a driver's intent in running a stop sign. In ...
total loss accident	12/1/2008
Q: I was recently in an accident where the front end of my car was significantly damaged. My adjuster ... A: The methodology for determining value varies from state to state, insurance company to insurance ...
Fraudulent car repairs	11/19/2008
Q: What do I do if I have 100% positive proof that an auto repair shop did not replace the part that ... A: You will need to be prepared to obtain the proof that would be admissible in a court of law that the ...
Pay off car.	11/16/2008
Q: The past month or so, I have been trying to sell my car which is a higher end car. As of the other ... A: The insurance company owes the cost of restoring the car to pre-loss condition. The fact that you ...
insurance	11/15/2008
Q: I was told that if I cause an accident and the bills come to more than my car insurance policy that ... A: If you end up with a judgment against you that exceeds your insurance, than most of your assets can ...
Auto Accident	11/11/2008
Q: I was rear ended by a drunk driver on the way to work. (friday). I called this guys insurance on ... A: The Highway patrol and both of the insurance companies will conduct independent investigations. The ...
Whos at Fault?	11/10/2008
Q: Recently I got into a small accident with one of my coworkers in a parking lot, and although I feel ... A: Based on your version of events, your co-worker backed into the front of your car while you were ...
auto insurance fraud	11/9/2008
Q: Hey webfoot, I asked this question to someone else before reading your profile. You seem very adept ... A: If you have collision coverage, then an at fault accident has to be covered. As far as fraud ...
Advice on insurance Claim	11/8/2008
Q: I recently purchased a classic muscle car located out of state. I had the car professionally ... A: It boils down to this. If there are shops in the area who can repair the car to pre loss condition ...
hit and run.....liability limits?	10/26/2008
Q: Own conversion van, intending to list for sale AS IS to help make ends meet. On or about Jan 26, ... A: Mitigate: Generally to make less severe. The damage to your car is what they owe you for. It is ...
hit and run.....liability limits?	10/24/2008
Q: Own conversion van, intending to list for sale AS IS to help make ends meet. On or about Jan 26, ... A: The main reason that I needed to consider this question is that it was so long and involved. ...
Car Accident	10/23/2008
Q: I was in a 3-car accident in Indiana in Dec 07 and I am preparing to settle w/ State Farm. They were ... A: You are access whatever you and your attorney are willing to and able to convince a judge to order ...
Accident Haunting	10/21/2008
Q: I was involved in an accident over two years ago in where a driver coming in the opposite direction ... A: It sounds like things have reached this point likely because the proper actions were not taken on ...
recovered-stolen truck	10/20/2008
Q: My daughters truck was stolen from home and later recovered with body damage-which insurance has ... A: I cannot speak for your insurance company but I myself have the means and experience in most cases ...
liability issue	10/18/2008
Q: I was in a gas station accident. I turned the corner from the street to get to the mini mart and i ... A: It sounds like your insurance company has handled the claim in good faith. If this thing has gone ...
auto accident	10/10/2008
Q: I was involved in a auto accident 3 months ago where a person hit the right rear corner of my car ... A: If you have collision coverage on your car that was valid at the time of the loss, then you can ...
rental replacement	10/9/2008
Q: following a florida car accident, must my insurance carrier provide a rental vehicle of the same ... A: You are asking me to address a question regarding what your own insurance company owes. As I have ...
To webroot , an adjuster	10/8/2008
Q: What do you mean by “Don't worry about small claims court as these idiots have likely taken things ... A: John, It appears that you have either totally misinterpreted my comments or just have a hard on for ...
settle without insurance?	10/7/2008
Q: I hit a pedestrian. She came away with minor bumps and bruises. There was a police report and I ... A: You cannot be negotiating with a party at the same time that the insurance company is set to be ...
car-bicycle accident	10/6/2008
Q: My son, the 16 year old teenager, was biking along the road saw a car slowing down ahead of him ... A: The ticket that your son received has no bearing on the facts of loss and the fact that an insurance ...
settle without insurance?	10/4/2008
Q: I hit a pedestrian. She came away with minor bumps and bruises. There was a police report and I ... A: You hit a pedestrian and want to settle without insurance??? Oh my God. Your friend, who owns the ...
bumper damage - reconditioned?	10/2/2008
Q: I was rear-ended with damage to my rear bumper. Guy who caused accident originally was going to pay ... A: First of all, a bumper cover is not a safety item. It is a plastic cover that does just that. It ...
Overall or Unfair Loss	9/24/2008
Q: I was involved in an accident this month in Maryland, which was not my fault. The other person's ... A: The other party owes you for repairs necessary to put the vehicle in pre-loss condition which would ...
auto	9/23/2008
Q: I was rear ended twice in one week! Have not had car repaired from 1st accident - do I report ... A: If the bumper is cracked, then it is not repairable and must be replaced. Unless the insurer ...
car insurance	9/17/2008
Q: i have a car i am the owner and i pay the insurance monthly out of my bank when i went to get ... A: If you are the owner of the car, then they were wrong in putting the policy in his name. Insurance ...
Backed Into A Parked Car	9/15/2008
Q: Expert, I backed into a parked car in a parking garage earlier tonight and smashed my left tail ... A: I cannot address possible rate increases but can tell you that attempting to settle property damage ...
total loss car	9/14/2008
Q: This is long so here it is.. My husband and i had a 1998 kia got in accident totaled the car out. ... A: The insurance company that totaled the car is bound by state law to send in the total loss paperwork ...
insurance company writes me a check, what do i do with it	9/13/2008
Q: My vehicle was vandalized and i notified my insurance company and they told me to take the car into ... A: You pay the shop for the deductible. You can either deposit the check and write one to the shop or ...
Vehicle stolen, owner unlicensed...	9/11/2008
Q: My boyfriends car was stolen while he and his friends were fishing. His license is currently ... A: As long as the investigation shows a valid theft then the claim should be covered. The status of ...
Rear End Accident Claim	9/10/2008
Q: Recently as I was waiting for a car to move in front of me for a parking space I was rear-ended by ... A: Take the average of the 4 estimates and sue her personally in small claims court. Will be ...
Should the bodily injury claim be filed during or after recovery?	9/8/2008
Q: After getting insured in a car accident, I have not claimed the bodily injury but property damage. I ... A: Say what? Though it clearly states in my profile and question instructions that I do not reply to ...
No information abt other party	9/7/2008
Q: I met with an accident over the past labor day long weekend while driving on I-80 west in PA. The ... A: Well, if a missing police report were to cause such issues, then every fender bender in that state ...
Car Total Can i Keep it ?	9/4/2008
Q: I was in an accident which totaled my car, the other driver was at fault although i did not have ... A: If they only have $10k coverage then that is all you can get from their insurance company. You can ...
DO I have to accept The Ins Co's damage estimate?	8/27/2008
Q: About a week ago, I hit a goat with my Honda Element. The damage appeared to be restricted to the ... A: Must have been a Billy goat with radiator piercing horns... I've handled very similar claims and my ...
Plaintiff in upcoming small claims	8/25/2008
Q: I am in Sacramento California. Real quick question..try to give you info so you can visualize this. ... A: Yes, that is a valid defense argument in some accidents. It is most often applied in lane change ...
Plaintiff in upcoming small claims	8/24/2008
Q: I am in Sacramento California. Real quick question..try to give you info so you can visualize this. ... A: Honestly, if you tell the judge exactly what you've told me, I believe that you'll be fine. It makes ...
Fail to fully pay the repair facility	8/23/2008
Q: I was rear ended last month. Progressive has taken full responsibility and I chose my own repair ... A: If you chose your own shop and they are charging beyond the prevailing market rate for the repair, ...
car lost due at fire	8/16/2008
Q: mi 2 cars got melted ,mi insurance dont cover tahat have mi neigbord insurance house pay for mi ... A: Your neighbor's insurance will likely only be liable for your cars if your neighbor was somehow ...
Estimates prior to going to insurance adjuster?	8/14/2008
Q: I was hit in the side by a pick up exiting from a parking place in a parking lot. The other driver ... A: The insurance estimator is going to write the estimate according to the guidelines of his company. ...
Repair costs estimate for scratches on front bumper	8/11/2008
Q: I was recently involved in a parking lot incidence in Vancouver, BC where my Toyota Camry rented ... A: Never seen the car. As bumper covers are flexable and can hide damage I'd say anywhere between $200 ...
Stolen car Quebec	8/9/2008
Q: My car was stolen in May-08-08 we are Aug-09-08 still no settlement. My insurance comapany hired a ... A: All I can say is that is that I've been involved in hundreds of insurance fraud investigations over ...
loss payee question	8/6/2008
Q: My insurance company is trying to force me to accept a 2 party check for my damages done to my ... A: If your vehicle is already in a shop, it is likely the shop that has requested that the check be 2 ...
Auto Accident Claim/Lawsuit Question	8/4/2008
Q: I was involved in an auto accident back in January in Dupage County in the State of Illinois. I had ... A: You need to accept any papers being served and forward them to your insurance company. They have a ...
unauthorized driver	6/5/2008
Q: I purchased a second vehicle about 9 months ago and recently loaned it to a friend to drive for one ... A: Keep in mind that I can only address "most" state laws and "most" insurance policies. As long as ...
Rental car	5/28/2008
Q: My question involves insurance law for the state of: Tennessee My friend rented a car (when he ... A: You need to run this by an attorney in your state. Considering the lifetime that it would take you ...
Can I be sued?	1/28/2008
Q: My husband was rear-ended in an accident. His insurance had lapsed. The police report stated it was ... A: The collection agency for the other party (or there insurance company) cannot take any action ...
hit by unauthorized driver	1/19/2008
Q: I was rear-ended by a driver in a insured vehicle, he was w/o a license on him so he was cited. ... A: I'm not sure who's "blaming" you as you already stated that it is going through "no fault" coverage. ...
Rental Car Liability	1/13/2008
Q: Can my auto insurance deny coverage for a rental vehicle accident based on the reason that my name ... A: Of course they can. That is what it says on the policy that you agreed to, right? Otherwise, they ...
Rear-ended	1/12/2008
Q: My husband and I were rear-ended waiting for the car ahead of us to turn left. The insurance wants ... A: It is the insurance company's option to repair the vehicle or pay the actual cash value; whichever ...
2nd rate Insuarnce Accident	1/7/2008
Q: I live in Texas and was recently hit by a driver that ran a red light. There are 3 witnesses, all ... A: From what you're telling me, it sounds like your own insurance company may be "2nd rate" as well. ...
Other driver's fault and wont pay	1/6/2008
Q: I was involved in a minor accident last Christmas. I was waiting to make a left turn from a gas ... A: What the insurance company told you makes no sense. The policy was either paid up and valid on the ...
Total car	1/1/2008
Q: I gave brother permission to drive my 2002 Chevrolet cavalier and he hit a huge buck deer busted the ... A: Based on the damage description, this vehicle is likely a total loss. Assuming that you have the ...
Back up collision	12/28/2007
Q: I was backing up out of a parking space in an apartment complex, when a guy came speeding through ... A: Liability is always based on what can be proven. From what you've told me, the only thing that can ...
Motorcycle accident	12/27/2007
Q: I was in a motorcycle accident and was found not at fault by mine and the other person's insurance ... A: Most states require people to mitigate their damages. That means to do everything possible to ...
New Car, Should we let Dealer fix it or collission center	11/27/2007
Q: My new (3 month old) Infinity got rear-ended and the impact felt strong, but the car itself seems to ... A: Your bumper does not have shock absorbers. The bumper will need to be painted by whoever installs ...
Collision	10/26/2007
Q: 3 days ago i got up for work started my car drove about 25 yards up the road and had to swerve to ... A: You need to remove all personal involvement from this situation and insist that these people deal ...
Liability	10/15/2007
Q: My son borrowed a friend's car (both 17) - he bumped into a truck and casused $400 DAMAGES. The ... A: Generally speaking, the owner of the vehicle (the friend's car) has first responsibility for the ...
how do I fight a "totaled" vehicle claim by the insurance company?	9/29/2007
Q: My truck, a 1967 chevy pickup, was hit, while it was parked in front of my house, by a drunk ... A: Your options may depend on your state's law which is something that you'll have to speak to your DMV ...
reinsuring a car that has been totaled	9/27/2007
Q: I recently hit a deer in NC. My insurance co is totaling my car and has offered 2 options. One to ... A: You can likely have any shop do the repairs but do remember that you will have a salvage title. The ...
auto accident liability	9/25/2007
Q: Last weekend, my girlfriend took my car while I was out at a ball game with friends. Although we ... A: I can only give you the appicable answer for "most" states as I'm not at all familiar with MI. ...
At fault, work with their insurance or mine?	9/25/2007
Q: I rear ended a $200,000+ car at a very low speed (~ 1 mph). The car had stopped for a red light and ... A: You are likely required per the terms of your insurance policy to report all accidents in a timely ...
auto insurance	9/24/2007
Q: If my friend wants to buy a car but does not have the credit to get a loan and I keep the car in my ... A: You cannot do that. The insured person has to be the owner. Insurance coverage is based on the ...
settlement without involving insurance	9/22/2007
Q: A car backed into the passangers side of my car as she was pulling out of a parking spot. She ... A: It is perfectly legal for someone to settle their own damages. However, it creates a precarious ...
Possible law suit?	9/20/2007
Q: our LLC company is currently producing a feature film and one of our rented trucks was involved in ... A: In most states, the owner of any vehicle is required to have liability insurance or they cannot ...
Possible law suit?	9/18/2007
Q: our LLC company is currently producing a feature film and one of our rented trucks was involved in ... A: Assuming that your general liability insurance does afford coverage for this loss, the policy limits ...
Body Shop vs. Insurance Appraiser Damage Dispute	9/17/2007
Q: I was broadsided on the driver's side by a driver who is uninsured and am going through my own ... A: Wow, talking about horrible service from your own insurance company. It's rare that a mainstream ...
Insurance Claim	9/16/2007
Q: If you hit a parked car in the state of OK and no one is around, what are you supposed to do? Call ... A: There is no need to call the police unless you desire a ticket. You should leave your name and phone ...
rear end collsion- not my fault- how do i get paid for damages	9/14/2007
Q: i was in a rear end collsion on a freeway a week ago. the other driver stopped and we exchanged ... A: If he refuses to cooperate with his insurance company, they can legally deny the claim. Then you ...
Two questions	9/14/2007
Q: I have two incidents just last week. Really wasn't my day as an excellent driver. I'm giving you ... A: As I am a volunteer on my own limited time, I can only give you the short answers here. On the ...
time limit to file a claim on a parking lot accident	9/13/2007
Q: My 17 year old daughter allowed her 18 year old boyfriend to drive her car without my permission. He ... A: I've never heard of a 12 day limit for a liability claim. The answer to that lies in your policy. ...
Parking lot collision	9/11/2007
Q: He is co-worker. We both were backing up in the parking lot without seeing each other and both the ... A: From what you are describing, the end of your car hit the side of his car. This usually means that ...
Car Should Have Been Totaled	9/10/2007
Q: I'm so frustrated! I was in a car accident Aug 1 and it's Sept. 10 and my car is still in the shop. ... A: The truth is that if mechanical components are involved, especially on a German car, the supplements ...
claims	9/10/2007
Q: can i file a claim with my insurance company if all i have is the driver's license and cell phone ... A: I would go ahead and file a claim. Your insurance company will repair your vehicle and will then ...
Follow up question - Wheel came off of a towed car	9/8/2007
Q: I have insurance for Bodily Injury Liability, Property Damage Liability, Medical Payment and ... A: You need to file suit against the owner listed on the report. That is the person who is liable. ...
Should tow bill be counted as part of the repair estimate?	9/7/2007
Q: I was in an accident last week in which the other driver ran a stop sign. I finally got an estimate ... A: I have no idea what the arrangement is between your city and the tow yard regarding fees and what ...
claim settlement don't have collision coverage	9/6/2007
Q: I'm writing to you from Seattle. I have liability but no collision coverage and I'm trying to settle ... A: You can sue him in small claims court. Make sure that you serve the insurance company as well. The ...
Obstructed stop sign question...	9/6/2007
Q: My vehicle was hit by a woman who went through a stop sign. She said that she did not see the stop ... A: If the stop sign was obstructed, then she is not totally at fault. If her insurance company is on ...
AM I COVERED?	9/5/2007
Q: I WAS INVOLVED IN A HIT AND RUN WHERE MY VEHICLE WAS REAR ENDED BY A JEALOUS X OF MY CURRENT ... A: What you may or may not have been carrying in the vehicle has nothing to do with the coverage. The ...
parking lot accident NYS	9/5/2007
Q: The other day I was involved in an accident as I was pulling out of a parking space. It was ... A: Generally speaking, the party who is backing bears the responsibility if another vehicle is struck. ...
Wheel came off of a towed car	9/4/2007
Q: I was driving behind a tow truck towing a car during evening rush hour. The wheel on that car came ... A: The towing company is liable. If they refuse to cooperate with their own insurance company, the ...
My uninsured cars were struck while parked	9/1/2007
Q: Recently in Sacramento CA, two of my cars were struck by another driver while my cars were parked. ... A: If a person loses control of a vehicle due to a non preexisting medical condition, neither they nor ...
Parking Lot Accident	8/30/2007
Q: Last night I pulled into a parking lot at school. I parked and was getting ready to get out of the ... A: Very technically speaking, you should report it. However in a case where the other driver's ...
How to Get Vehical Damage from Third Party	8/28/2007
Q: I was involved in accident due to other persons at fault.She came from rear and hit at over speed. ... A: What they are telling you is correct. They have to make contact attempts by phone and then mail. ...
Water damage question	8/28/2007
Q: Two weeks ago, my town had a very heavy rain. The storm sewers clogged, and water went into my ... A: Apparently you must have signed an authorization to repair the vehicle. It is the insurance ...
Would UMPD or COMP cover my repairs?	8/17/2007
Q: This afternoon, I met a Chevy Tahoe or Suburban in a curve and the lady driving it was at least one ... A: Unfortunately, striking a hole in the road without making contact with another vehicle would ...
collision in rain	8/17/2007
Q: I was in a car accident today in San Antonio TX. The rain was outrageous and I was on the ... A: I'm sorry you had the accident and hopefully, no injury claims will be presented. Given the ...
Need some suggestions..	8/16/2007
Q: What happened in the accident was that I was on a two-way street in a mall parking lot trying to ... A: If your insurance company has handled the damages, you will be best served by allowing them to ...
Would UMPD or COMP cover my repairs?	8/16/2007
Q: This afternoon, I met a Chevy Tahoe or Suburban in a curve and the lady driving it was at least one ... A: Without seeing your policy, I cannot say if UMPD would cover it or not. In my state, UMPD only ...
vehicle total out after fire	8/15/2007
Q: I am 24 years old and currently 6 months pregnant.I recently purchase a Nissan Altima from a local ... A: I'm afraid that I've never heard of a Lemon Law that covers used cars. In usually "buyer beware". ...
Rental Car Denied	8/13/2007
Q: I had an accident this morning, which likely totalled my car. I am at no fault as indicated in the ... A: Jens, I doubt that they said that rental would not be "repaid". What they likely said was that they ...
Appropriate Diminished Value	8/10/2007
Q: I just bought a 2007 Mazda 3 i touring March 28 2007. I was rear ended by a dump truck on July 6 ... A: Amanda, I'm not quite sure how to respond to this as it sounds like you've already been given such ...
he wont talk	8/8/2007
Q: The other weekend I was in Tulsa coming home from a concert, when I was in an accident. I had two ... A: This guy will never likely cooperate which will give the insurance company the legal right to deny ...
Accident with no tickets involved	8/4/2007
Q: I was in an accident recently where I was going straight through a stoplight and an oncoming car ... A: You are on the right track in your thought process. Absent of any other proof, the person turning ...
At-fault Party Will Not File Claim	7/31/2007
Q: I was broadsided on a major roadway by someone attempting to cross the highway. No one was injured ... A: The only way that you can force them to file a claim is to sue them. You can still file a claim ...
3rd claim in 3 years	7/26/2007
Q: We currently are insured with AAA since March 2005. We were with Geico for 20 years w/no claims. ... A: Well, are you willing to risk the other party being able to come back to you with a injury claim a ...
portion of claim denied, problem not related to the accident	7/20/2007
Q: it's great. It was a hit and run (culprit was never found) on major highway in heavy rain. I was ... A: Given the description of the damage, I would like make the same initial call as the adjuster. The ...
Auto Vehicle Accident	7/20/2007
Q: This afternoon my brother was involved in a vehicle accident. From his scenario, he was at a park ... A: Tickets have to do with breaking traffic laws. One can still be labile without breaking a law ...
Motorcycle deer accident liability	7/17/2007
Q: My partner and I were involved in an accident when we hit a deer on a motorcycle. I was injured; ... A: Liability insurance only covers damaged caused by the negligence of the insured party. No ...
what kind of auto claim would this be?	6/19/2007
Q: My 14 year old son, who has not started drivers' education and without permission decided to try to ... A: Normally, the snowblower and the garage wall would be covered under your homeowners insurance, less ...
Unresponsive Hit and Run Perpetrator	6/19/2007
Q: My car was legally parked and was hit by another car, causing damage to the trunk and taillight. It ... A: The only thing that the perp is legally bound to is what you can prove. Your insurance will likely ...
Unisured car	6/16/2007
Q: I was driving a friend’s car and backed into a poll causing a good amount of damage. I have full ... A: I cannot speak for CO policies but can tell you how it would work in my state of GA. If you carry ...
reinbursment for rental	6/4/2007
Q: I was in a car accident and the other person was at fault. Their insurance says that since they ... A: I cannot speak for TX but in my state, it is partially true. From the time that the vehicle has ...
Who's at fault?	6/4/2007
Q: my wife was involved in an auto accident a couple days ago. She was traveling the speed limit going ... A: Who is at fault will depend on how far away your wife's vehicle was from the actual intersection. ...
My car is a total loss	6/3/2007
Q: First of all, I like your honest description of yourself... ..Now for the question. My wife was ... A: With that kind of low mileage, there are not likely to devalue the car very much. They will likely ...
how do i answer this insurance company question	6/1/2007
Q: What should my mum reply to The following question the insurance company has sent her following a ... A: The insurance company's decision to insure someone and if so, what premium to charge is based on all ...
How does ins co decide to total w/monor fire?	5/31/2007
Q: My 1999 Olds Intrigue caught fire about a week ago. The fire went out pretty quickly; I assume ... A: I just love these tow truck driver experts when I get little snippets of their wisdom about one a ...
Diminished Value, etc.	5/30/2007
Q: I was involved in an accident, where the other driver hit the back right quarter panel of my car. ... A: In Georgia, there is no strict percentage that deems a vehicle as a total loss. As long as no more ...
no insurance	5/25/2007
Q: My girlfriend just got her first car about a week ago from her mother. She hasn't got insurance on ... A: No insurance is no insurance. Nothing technical about it. In most states, your girlfriend would be ...
Rear ended	5/24/2007
Q: I was rearended by a truck and his insurance company has accepted liabilty. I faxed a copy of the ... A: If I were presented with this claim, I wouldn't even go and look at the car. This is an obvious ...
accident: both drivers at fault	5/18/2007
Q: I was recently in a very minor accident in a parking lot. I was backing up in the main thoroughfare ... A: You are contractually obligated to report all accidents to your insurance company. If you fail to ...
hit n run on my parked car, Insurance company will not pay off entire car or fix it.	5/17/2007
Q: I will just fwd my letter to the insurance commisioner. It has a very solid description of the ... A: If the laws that are established per the regulations of your insurance commissioner are the same as ...
Engine failure.	5/16/2007
Q: I have a very simple question. I own a 2000 Boxster 2.7L. There is no warranty on the car and my ... A: Insurance would not cover this and any attempts to change the facts of loss on an $18,000 claim ...
My body shop won't accept insurance estimate	5/16/2007
Q: I was involved in a minor accident. I filed a claim with the at fault party's insurance company. ... A: The insurance company owes the prevailing rate for the area. If your body shop is making up their ...
accident claim	5/10/2007
Q: We got a letter from an insurance company stating that our daughter's car was involved in an ... A: Well Tammy, you did not say if she did it or not. You only asked how they could prove it. It's ...
I was read ended, how much should i recieve?	5/9/2007
Q: I was rear ended last week, i drive a 99 Honda accord, and was hit by a 90 accord. The accident ... A: Based on the damage that you've described along with you age and appropriate physical condition, I ...
Auto Claim on windshield	5/8/2007
Q: How does windshield Claims work? Do i have to claim it with my Ins Co. or can i go after the other ... A: I would certainly pursue the trucking company before attempting a claim with your own insurance. If ...
parking lot accident	5/7/2007
Q: I was driving my friend's car (it is insured but I am not covered) the other day and accidentally ... A: You will need to have your friend file a claim with his insurance company. If he gave you ...
how does insurance companies determine the value of a totaled car	5/7/2007
Q: I totaled my car just 2 days ago. I would appreciate any response concerning how I would go about ... A: Fair market value and suggested retail value are not the same thing. They owe you fair market value ...
insurance overpaid my property damage claim	5/4/2007
Q: State Farm paid me $x.xx to fix my car. A second adjuster also paid the body shop $x.xx. The ... A: It sounds like you've done all that you can do and at this point, I'd just ignore them. I'm not an ...
Property Damage Claim	5/3/2007
Q: I was in an accident in which I was the one ticketed. I didn't have my car covered, so I lost it, ... A: If anyone is asking you to pay something, they are the ones that bear the burden of proof. If they ...
Company is claiming more money for minor work	5/2/2007
Q: I had an accident at a gas station while i went there to fill gas in my moving truck. In this ... A: There would be no reason for you to file a suit as you are the defendant. The only thing that ...
fraud investigations	5/1/2007
Q: I am writing a fictional story in which a car falls off a bridge, but the driver is not found. ... A: The involvement of the insurance company will depend on the applicable coverage. If the vehicle had ...
no police report	4/28/2007
Q: My son was at a stoplight in the city of Richmond,VA last Friday night at 10pm when he was hit from ... A: You have two choices. If you have collision coverage on your car, file a claim with your own ...
Insurance payout	4/27/2007
Q: Please help! An accident where I was not at fault. A scratch on my bumper. First her insurance ... A: What they are telling me would normally be true if they are the same company that is insuring your ...
I was the 100% victim of a collision and they only want to pay 80%	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: You apparently live in a state where the courts recognize what is known as "comparative negligence". ...
Auto insurance question	4/25/2007
Q: a couple days ago i got into an arument with my boyfriend. He kicked my door and it left a big dent. ... A: Man, you must be some kind of woman to bring that kind of passion out in a guy... Just kidding. If ...
Insurance Claim	4/19/2007
Q: I have a couple of questions I would like to ask for your advice. I was rear-ended at a red light ... A: For your vehicle, you can either file a claim with the at fault party's insurance company or file ...
value of engine in totaled vehicle	4/17/2007
Q: I have a 1988 Nissan Pulsar that was involved in an accident and totaled. The other party's ... A: No disrespect to Pulsars. Nissan made a better car then in some ways than they do now. If you were ...
Accident but not on Parents policy	4/17/2007
Q: i was in an accident the other day with my parents car..i was not on the policy ccause they live in ... A: Please keep in mind that every state and insurance company may have different policy guidelines, but ...
value of engine in totaled vehicle	4/16/2007
Q: I have a 1988 Nissan Pulsar that was involved in an accident and totaled. The other party's ... A: It sounds like you're splitting hairs at this point. If not for the 03 engine replacement, this ...
Claim to my insurance for other party's hit-and-run.	4/16/2007
Q: I got involved in an accident while the other party ran red, hit my car, and then ran away. It was ... A: From what you've told me, this would be eligible for coverage under your uninsured motorist property ...
Deductible	4/14/2007
Q: I got into a car accident with my financed car and the insurance co sent me to a body shop of their ... A: No shop is going to do a $2,500 repair for $750. Yes, what you are considering will violate the ...
accident question and forced insurance	4/12/2007
Q: I was recently in an accident where I rear-ended someone (it was my fault). I come to find out that ... A: It is not illegal to drive a car without collision coverage; with or without a lien. The coverage ...
Past auto claim	4/12/2007
Q: A friend of mine had a previous claim on her auto insurance from a past insurer come up when trying ... A: She would need to contact that insurance company and get the police case number. Then she get get a ...
denied claim	4/11/2007
Q: I was recently in an accident. The other driver was clearly at fault according to the police ... A: Hmm. What I would do is pursue the rental company. They are the legal owners of the vehicle. If ...
Insurance rights	4/11/2007
Q: I was involved in an small accident in a parking lot last year. It was my fault, and I damaged the ... A: Yes, the other insurance company must provide proof of the loss and this should include pictures of ...
totalled new car	4/10/2007
Q: my 3 week old toyota yaris was just totaled by an out of control driver who came into my lane and ... A: They owe you the actual cash value of the used vehicle that you were driving. Considering that most ...
insurance record	4/10/2007
Q: If I am in an accident and there is a police report filed, will my auto insurance company find out ... A: You are legally required per the terms of the insurance contract that you agreed to, to report all ...
totalled new car	4/9/2007
Q: my 3 week old toyota yaris was just totaled by an out of control driver who came into my lane and ... A: The other party's insurance company owes you the value of the vehicle; period. Their liability has ...
Insurance company offers low settlement and says take it or leave it.	4/8/2007
Q: I am at a loss as to how to proceed with my insurance company. I have hail damage and the company ... A: There is no way that I can address all of the issues that you have presented and still manage a full ...
Red Book Value	4/6/2007
Q: Wife and I have a 2002 X-Type Jaguar 2.5 liter, with 55,000 miles in EXCELLENT condition prior to ... A: There are various methods for determining value as mandated by different states. The red book is ...
Shifty Cab Driver	4/4/2007
Q: I was involved in an accident while exiting a gas station. My car was stopped, while waiting to ... A: You can either file a claim under your own policy and then let them pursue this individual for their ...
painstaking claims settlement...	4/4/2007
Q: I bought a brand new car and after only 2 weeks of using it, my car (safely parked on the street) ... A: Very unfortunate situation. I can only address this based on the insurance policies available in ...
auto property damage	3/30/2007
Q: My vehicle was "totaled" by a rear end accident. The negligent party's insurance company and I have ... A: Frankly, you're are getting into a specialty market issue where the burden of proof is on you. This ...
auto property damage	3/30/2007
Q: My vehicle was "totaled" by a rear end accident. The negligent party's insurance company and I have ... A: It does sound like you've taken all of the correct steps so far. Without knowing all of the details ...
Animal vs. Wood	3/29/2007
Q: I was driving on an unlit road when I hit something that seemed to be very solid. It tore off half ... A: Seems like the proper thing to do would have been to notify the insurance company of this new ...
Rear-Ended in Texas	3/28/2007
Q: I was rear-ended this morning while accelerating from a stoplight that changed to green. We ... A: Several question here which in detail would take an hour to address all. The abbreviated answer is ...
need some advice...getting taken advantage of	3/23/2007
Q: My girlfriend was waiting at a light and the person in front of her started to go then stop very ... A: Hopefully, she's reported this to her insurance company as she is contractually obligated to do so. ...
I'm being sued	3/21/2007
Q: My fiancee and I are being sued. I am the owner of the vehicle and he was the driver. He was ... A: It would fall under property damage. Your insurance company would be responsible for handling the ...
Claim troubles	3/20/2007
Q: I filed a claim with an insurance company of a truck that hit me. And they have told me before that ... A: The insurance adjuster is in the habit of doing that on insured vehicles with lien holders. It is a ...
3-car accident, liability??	3/19/2007
Q: I have a question concerning liability. I was recently involved in a three car accident. I was ... A: Without seeing the damage on all three cars along with the police report, there is no way for me to ...
Should claim be denied?	3/19/2007
Q: 2.5 months ago I was rear-ended by a truck. We were sitting in traffic and were not moving more ... A: What a frustrating situation. There are a lot of grey areas here. The driver that hit you is ...
3-car accident, liability??	3/18/2007
Q: I have a question concerning liability. I was recently involved in a three car accident. I was ... A: The Impala driver would be at fault and liable for your damages. Have you tried locating the ...
Insurance Claim	3/15/2007
Q: I want to make sure that the insurance company pays all expenses before I leave my car to be fixed ... A: What you are asking for is impossible. No one knows exactly what it will cost to repair the vehicle ...
Insurance Claim	3/15/2007
Q: The estimator from the auto shop that the other driver insurance company sent me to, told me that he ... A: Did neither the body shop or the insurance company explain the supplement process to you? Does is ...
claim settlement	3/10/2007
Q: i was rear-ended, my car was totalled-i bought my car -volvo '93-for 3400 6 months ago-her insurance ... A: You will have to show that other vehicles that are the same model, mileage, condition and with same ...
Rental Car Reimbursement	3/7/2007
Q: O.K. Thanks for your quick reply, however the information regarding the reimbursement came from one ... A: My representatives?? The response above came from someone representing a legal services website. ...
Auto Claim	2/28/2007
Q: My car was wrecked while sitting in my driveway. I don't have any liability questions, considering ... A: What the insurance company owes is "actual cash value". This is not the same as "book" value. ...
Contaiminated diesel fuel	2/26/2007
Q: I bought some diesel fuel contaminated with water that wiped out my fuel pump, how will my ... A: As long as a mechanic can show that this water was the cause of failure to your injection pump, your ...
diminished value- offer too low from insurance	2/25/2007
Q: I have a mint condition 2003 BMW with only 27,000 miles when it was hit a few months ago (I am in ... A: When considering diminished value (DV) you have to remember that the BMW certified program is a ...
a parking lot car accident	2/20/2007
Q: At 2:30pm yesterday, in front of the ATM machine, I was involved n a parking lot car accident. I had ... A: These are difficult claims to access, especially if the liability is disputed and there are no ...
Ex Sister-in-law leaves car damaged	2/18/2007
Q: My father co-signed for my Brother's and SIL's auto. When separating, SIL took over her car and ... A: Well as far as you're brother's statement about small claims court, I don't know where you live. In ...
Mehcanical Damage	2/13/2007
Q: ------------------------------------------- I have only $500 deductible. Two questions please. 1. ... A: The insurance company can generally deduct depreciation/betterment for any "wear" item. The ...
Repair vs Salvage	2/9/2007
Q: I recently had a front end accident with my 2004 Kia Amanti. The repair estimate totals $8370. The ... A: As far as no frame damage is concerned, that is likely true given that you don't have a frame. This ...
Theft of auto	2/1/2007
Q: I'm involved with an insurance claim for theft of an Infiniti G35. The car was stolen at night, but ... A: I've handled hundreds of auto theft claims, am also an ASE Master Technician and unless the thief ...
Car Rental	1/30/2007
Q: My car was recently stolen. My insurance was going to settle for $23K. But the car was recovered ... A: I'm afraid that you are bound to the terms of the insurance policy just as the insurance company is. ...
Mehcanical Damage	1/28/2007
Q: I stopped at a Stop sign. Saw another car coming from the other direction about 7 to 8 car lengths. ... A: I run across this scenario every week. Many mechanics, especially at dealerships will automatically ...
DUAGHTER NOT ON INSURANCE PLAN HAD A ACCIDENT	1/18/2007
Q: I LIVE IN ILLINOIS. MY DAUGHTER WAS IN A CAR ACCIDENT RECENTLY AND TOTALED MY CAR. THEY SAID I ... A: You are insuring both the vehicle and the drivers on a policy. If two people drive a car, it is ...
Carl value	1/14/2007
Q: My sister is unfortunately suing my brother in small claims court for the cost of her vehicle. He ... A: My response is based on the information that you have provided. If this info is accurate, then ...
Totaled or Not ?	1/7/2007
Q: I will be paying out of pocket to an insurance company for the damage I caused in an auto accident ... A: Generally, insurance companies do not total vehicles once the repairs have started. They will have ...
Who's at fault?	1/3/2007
Q: So here is the deal: I was riding my motorcycle around a bend to the right on a two-lane road. On ... A: Without seeing an actual diagram of the accident scene, points of impacts and interviewing both ...
auto theft	1/2/2007
Q: Once again thank you so much for the advice, its a difficult process to have to go through. One ... A: Kelly Blue Book has nothing to do with actual cash values. An insurance company will actually ...
auto theft	12/31/2006
Q: In cases such as this is it more likely the insurance will attempt to replace the vehicle for me or ... A: If by replacing the vehicle, you mean physically going out and purchasing the vehicle for you. No. ...
3 car	12/30/2006
Q: I was travelling on the motorway and the car in fron braked suddenly, i gently tapped the rear of ... A: The person who hit you from behind is liable for your damages. If there is no damage to the front of ...
auto theft	12/30/2006
Q: looking for some advice regarding a new vehicle purchase which was stolen after only 7 days! ... A: With a vehicle that new, I would think you will receive the full value so it can be replaced with ...
rental car after collision	12/28/2006
Q: I was involved in an accident on 12/22/06. I was the third car hit in a three car accident. My ... A: You would be responsible to mitigate your damages which means that if you need a rental car for ...
Other driver lied in police report	12/27/2006
Q: I was driving in the middle lane of a 4 lane road and was hit by a 16 year old driver darting out a ... A: David, I wouldn't worry much about them trying to use their insured's statement as any kind of ...
new car damage	12/25/2006
Q: I have a brand new car. A deer ran into the side..causing moderate damage. Is a deductable appliable ... A: Jackie, This be considered a comprehensive claim and whatever deductible that you chose when you ...
3 car pile up	12/22/2006
Q: so if you have a 3 car pile up. one car hit another car causing that other car to hit another car. ... A: Generally speaking, it would be the fault of the first vehicle, meaning the one who struck the ...
3-car question	12/22/2006
Q: On November 14th, 2006 my mother was on her morning commute to work. As she was merging onto I29 ... A: The insurance company owes the actual cash value of the car. This takes into account the condition, ...
Inherent diminished value	12/21/2006
Q: In late August of this year while my vehicle was stationary and third in line of 5 vehicle stopped ... A: Hey John. As I work in Georgia, the only system that I'm familiar with is GA Fule 17c and therefore, ...
Stolen Motorcycle.	12/19/2006
Q: My motorcycle was stolen on 10/15/2006. I had coprehensive insurance incuding theft. My insurance ... A: If they are ready to have take an examination under oath, then they have likely uncovered ...
Rental Car Insurance	12/19/2006
Q: We recently rented a vehicle on our vacation to Maui. I'd declined the standard insurance LDW. All ... A: To answer question 1., I can say that as it is not the policy or requirement of a rental agency to ...
Late Claim	12/18/2006
Q: My boyfriend was driving my car & he was hit in the back by a driver with a suspended lincense. My ... A: I'm assuming that the other party had no insurance? If this just occurred last month, you shouldn't ...
"3" car accident	12/15/2006
Q: This occurred on a 3-lane interstate (all travelling in the same direction). The SUV was in the ... A: They are not playing fair and it's likely because you don't have your own insurance company to fight ...
car accident	12/14/2006
Q: My Husband was driving the company vehicle and while backing up in a parking lot another fella moved ... A: You will need to check with the insurance commissioner's office in your state regarding the specific ...
How to prove other driver was at fault?	12/13/2006
Q: Sorry but I forgot to mention that there was a wide shoulder between the right-most lane and the ... A: There is really nothing that you can say other than the truth the way to remember it. I would go to ...
How to prove other driver was at fault?	12/13/2006
Q: I was in a car accident last week. I was driving down the 2nd lane from the right on a highway, and ... A: From the damage that you've described to the two vehicles, I'm not sure what you could do to prove ...
property damage liability	12/12/2006
Q: My wife was involved in accident where the other driver is at fault. My wife's car was considered ... A: If your state allows underinsured to be covered as part of your uninsured motorist coverage, then ...
Best way to settle claim	12/10/2006
Q: A teenager drove out of a parking lot without looking, and smashed my bumper, and damaged my parking ... A: The advice that you've been given so far is pretty much correct. It is generally easier to just let ...
Auto Accident	12/7/2006
Q: I have been recently involved in a 3 vehicle accident. A young driver rear ended my self and ... A: Generally speaking, the fact that you were uninsured does not lessen that other party's liability. ...
Auto accident	12/3/2006
Q: on November 17 2006, i was hit in the rear of my car by a company vehicle (roto rooter truck). We ... A: Three choices. File with their insurance company. File with your insurance company and let them ...
Rear end collison, car a loss, now what?	12/2/2006
Q: I was rear ended two days ago by a women while I was stopped at a red light. My car is a 02 Hyundai ... A: They owe you the actual cash value of the car. They do not owe for any non-refundable or ...
Salvage Title	11/28/2006
Q: I have a 2001 Honda Civic LX that has a salvage title. I have full coverage on it since I bought it ... A: The exact answers to your questions vary from state to state, policy to policy and company to ...
OEM parts v. after market parts	11/20/2006
Q: Why won't my insurance company pay for OEM parts, which I prefer, but demand that I have after ... A: The insurance policy is a contract that conforms to state law. It states what the insurance company ...
Lawsuit	11/15/2006
Q: My boyfriend backed into a lady in a parking lot 3 years ago. He was driving his cousin's car, with ... A: I do not know what the statute of limitations is in NC but in GA, it is 4 years on property damage. ...
REBUILD TITLE	11/11/2006
Q: I have a 96 ford thunderbird w/127,000 miles the car is in excellent condition ,loaded to the max. ... A: Unfortunately I cannot answer your question regarding the specific salvage laws in the state of ...
Comprehensive damage claim	11/8/2006
Q: I hit a deer and reported it to the insurance company. They wrote an estimate and cut a check for ... A: If the insurance company has paid to have the work completed per their estimate, then any changes in ...
3 Car Pile Up	11/7/2006
Q: I was driving down the road and the driver in front of me looked like they were going to slow down ... A: You are at fault. Nothing that you've said about the other driver mitigates that. Following too ...
automobile total	11/4/2006
Q: I owned a 2002 ford escape. It would have been paid for in September of 2007. The suv was total in ... A: The insurance company only owes you the fair market, cash value of the vehicle. This has nothing to ...
Auto claim resolution	11/1/2006
Q: I was hit 2 weeks ago by a 16yr old driving his aunts car. There were no injuries just auto body ... A: The other person's insurance company cannot proceed forward without cooperation from their policy ...
claim system	10/31/2006
Q: I'm having trouble comprehending the claim responsibilities system. Hope you can help me. I was ... A: The system that you describe for settling 3rd party claims is standard across the industry and based ...
Can they dispute the police report?	10/30/2006
Q: I have a question regarding the motorcycle accident my husband was involved in. A car pulled out in ... A: Anyone can dispute a police report. The document is only an officer's summary of events as reported ...
Comprehensive Claim for Car Fire	10/29/2006
Q: My son was driving his 1999 Eclipse to work one morning when he heard a clunk which was followed ... A: When I spoke of hot rodding, I referred to my younger days, not now. Unfortunately, my 6 cyl Impala ...
Auto Accident: rearended	10/27/2006
Q: I was rear-ended about a week ago. I just got the police report and the other driver got cited for ... A: If there is no question as to liability and you already have the police report that you can forward, ...
Auto accident	10/25/2006
Q: My girlfriend was in an auto accident today where she was at fault. She has talked to the insurance ... A: As far as what you should look for in a repair shop, your insurance company has already done that ...
Bodily injury	10/24/2006
Q: I was recently hit by an uninsured motorist who did not obey my right a way in an intersection. I ... A: There is no real standard $$ amount for pain and suffering. Each case is entirely different and ...
Auto Accident	10/23/2006
Q: I drive a 2003 Montana. I was going to get my daughter off the school bus and I went to cross the ... A: Sorry to hear about your accident. They come around for all of us evenually. Hopefully no one was ...
claim statute of limitations	10/22/2006
Q: i was in a car accident and received an estimate from a claims adjuster, but due to work and ... A: Yes, the statute varies from state to state. I'm only familiar with Georgia which is 4 years on ...
Wife backed into my truck	10/21/2006
Q: My wife backed into my truck causing damage to both vehicles. If I file an insurance claim, could ... A: The waiver of the second deductable varies from policy to policy/company to company but this will ...
insurance fraud??	10/18/2006
Q: I have a 05 sentra and the other guy have a 94 van. (I don't know the model of the other car) I had ... A: If you had the stop sign, then it was your duty to yield. Unless you have proof that he was speeding ...
hit and run with witnesses	10/16/2006
Q: My 23 year old son was driving our car when it was hit by a car that ran a red light and then took ... A: Given that this person has damage on her vehicle and there is an idependent witness that has ...
Stolen Car	10/16/2006
Q: What are my rights when I was hit by a car that was stolen? Do I go after the driver or the actual ... A: Generally speaking, liability insurance only covers permissive use. Hopefully you have uninsured ...
hit and run with witnesses	10/14/2006
Q: My 23 year old son was driving our car when it was hit by a car that ran a red light and then took ... A: This is very interesting. Not because it's a hit and run but because she had already filed a single ...
Pressure in comprehensive Claim	10/6/2006
Q: I filed a comprehensive claim after a large cooler in another driver's lane caused him to run it ... A: It's certainly your right to take the vehicle to any shop that you wish to. I don't know why they ...
Auto fire	10/5/2006
Q: We recently has our 1969 Camaro catch on fire. We have collectors car insurance. The man at the ... A: I will answer this from the perspective of an auto professional and insurance adjuster. Never in ...
Multiple car accident	10/3/2006
Q: My sons were in an accident which completely totally my 1996 4Runner. A car had stopped in the ... A: They are correct in recommending that you go ahead and file under your own policy and then let them ...
Claim Coverage for repairs	10/3/2006
Q: My wife was involved with a rear end collison last week. The other individual was admittadly at ... A: Did the adjuster explain the supplement process to you? Once you drop off your vehicle and it is ...
Multiple car accident	10/2/2006
Q: My sons were in an accident which completely totally my 1996 4Runner. A car had stopped in the ... A: The answer to your question hinges on the statements of the person in the first vehicle. How many ...
insurance policy	9/28/2006
Q: What is uninsured motorist coverage for? We have 2 cars. Do we really need uninsured motorist ... A: Uninsured motorist (UM)is just as important as liability coverage and is a must have. If someone ...
Who's at fault	9/27/2006
Q: I let a friend of mine drive my car(I wasn't in the car). He got into an accident where he rear ... A: It sounds like you are correct; assuming that you're car was still in the lane it started in. Are ...
my son's accident	9/26/2006
Q: My son is away at school and had a minor accident. He slightly rear-ended a SUV with his truck. I'm ... A: Attempting to file a claim yourself is a very bad idea. First of all, I write about 1,000 damage ...
Loss of Wages	9/25/2006
Q: My son was involved in an accident on way to work. Not his fault. His car was not driveable as wheel ... A: We all have a legal obligation to mitigate our own damages and go on with life, which means that ...
restituition	9/23/2006
Q: A GMC truck with a driver that had no insurance and received a DUI citation rear ended my truck and ... A: Oh and Tom, Though the recovery of your monetary loss may be difficult without insurance, I do ...
how long do you have to file a claim?	9/22/2006
Q: my friend backed into my car on private property last november. i got an estimate of $700. i ... A: Every state and insurance company has different laws and policy provisions regarding the time limit ...
Do we have to accept?	9/16/2006
Q: My sister was involved in a rear-end collision in TX. The other driver was at fault and the other ... A: Ok, there are a couple of things to keep in mind when it comes to adding value to a car based on ...
subrogation	9/15/2006
Q: I was in an auto accident a month ago - I was turning left on a green light when a woman ran a red ... A: It is possible that you may be found equally at fault or that you may be found 100% at fault. The ...
Auto claims	9/14/2006
Q: What is the protocol for contacting the responsible party regarding results of estimates and ... A: Every company has their own protocol so all I can do is tell you how I handle claims. I'm assuming ...
Example of flawed logic questions that I get	9/13/2006
Q: THIS IS A QUESTION THAT I RECIEVED AND RESPONDED TO WITH A CUSTOM REJECTION MESSAGE. IT'S TRULY ... A: While reading your question, I about fell out of my chair. What you claim this man did wrong would ...
Totaled Car	9/12/2006
Q: I was in an accident where I was the only one invovled. After my insurance company looked at my car ... A: The insurance company has a legal obligation to pay the lien holder. Not only is it a legal ...
1999 integra LS 3 door	9/7/2006
Q: ------------------------- FOLLOW UP, SECOND TIME.... Just letting you know where we are at. The car ... A: Some of the total loss numbers that insurance companies come up with are very high, but I checked ...
Claim likely less than deducatible	9/6/2006
Q: My car was recently dinged while parked in my apartment complex. I believe I know what happened, ... A: Leonard, I'm sorry for the apparant delay. I actually answered this last week, but didn't post it ...
SUNROOF DAMAGE	9/6/2006
Q: IS SUNROOF DAMAGE CONSIDERED STRUCTURAL DAMAGE? A: No, A sunroof is not a structural componant. Structural componants generally include the welded ...
Rear ended- old car	9/5/2006
Q: My sister was read ended Friday night by a large SUV with a front grill guard. The other driver ... A: At this point as there are going to be medical bills and a likely total loss, I would not recommend ...
Rear ended- old car	9/5/2006
Q: My sister was read ended Friday night by a large SUV with a front grill guard. The other driver ... A: This is a duplicate question, but I did want to add something. If you are considering taking the ...
Not at fault - what to do?	9/4/2006
Q: To me the car is undriveable since rear bumper system is compromised and Sliding door of van closes ... A: I answered this a few days ago, but must not have posted it right. Sorry for the delay. You'll ...
Not at fault - what to do?	9/4/2006
Q: I was stopped at a light, when someone hit me from behind. It pushed me into car in front of me. ... A: When you say the right doors do not close properly, do you mean they won't close or are just ...
Maximum length of time to make a claim?	9/2/2006
Q: You are basically correct. Jason received a certified letter 6 days before court 1 year ago. He was ... A: That is not good news. Because no one ever filed a claim or notified the insurance company of the ...
Maximum length of time to make a claim?	9/2/2006
Q: My son currently has a call into the insurance company and waiting for a call back. With the holiday ... A: Wow, I thought that you just got served with a notification of suit. From what you're telling me ...
Maximum length of time to make a claim?	9/1/2006
Q: My son was involved in a car accident in a company vehicle. He assumed the owner of the business ... A: There is no direct answer to your question as insurance and civil tort laws vary from state to ...
ACCIDENT/INSURANCE INFO	8/31/2006
Q: i have another question. why will i have to suffer and have to buy a new car and worry about making ... A: The used door vs. a new one is not going to make enough of a difference to justify repair vs. total. ...
ACCIDENT/INSURANCE INFO	8/31/2006
Q: i recently took my surbabn to ntb for a tire plug because i had a nail in my tire. long story short ... A: Is the value of your Suburban what you found in a book somewhere? If so, that may not reflect the ...
both cars backing	8/30/2006
Q: While backing out of my parents driveway I ran into the rear end of my brother-in-laws car. I was ... A: For something like this, you would not need a police report to involve insurance. If someone saw ...
1999 integra LS 3 door	8/30/2006
Q: This is a follow-up question to my others on above vehicle around 8-20. As of today, the damage is ... A: The decision belongs to the insurance company. They owe for the repair cost or total loss cost, ...
who is at fault?	8/29/2006
Q: i stopped at a intersection looked both ways and i proceded to make a left hand turn and as i did a ... A: I'm afraid that you are at fault for failure to yield. If there is physical evidence (the damage to ...
claim	8/28/2006
Q: I do not have collision coverage on my policy, but have liability, uninsure and comprehensive. My 89 ... A: These questions are tough for me as I usually end up with negative feedback. But, like it says in ...
Who's at fault?	8/26/2006
Q: I was stopped at a redlight off the freeway ramp. The ramp I was on had 4 lanes. I was in the ... A: Let me see if I understand what just happened here. You tried to make a turn from a lane marked ...
AAA tow wrecked my car - what's fair reimbursement considering	8/24/2006
Q: This is not a question, I just wanted to let you know that I did not intend to insult you, just ... A: I appreciate your response. My main point is that I am not a Classic Beetle expert nor did I claim ...
Vehicle stats	8/22/2006
Q: I didn't think an automechanic would know about the personal financial info of their clients, but ... A: My observations based on the neighborhoods that these vehicles reside in and the actual jobs that ...
AAA tow wrecked my car - what's fair reimbursement considering	8/22/2006
Q: Triple A towed my 1970 VW Beetle in gear and destroyed my engine, transmission, rear tires, etc. ... A: Linda, Just wanted to let you know how much I appreciate the negative feedback on my knowledge. ...
previous damage	8/21/2006
Q: I was recently in an auto accident, the other driver was found at fault. The front fender had a ... A: The fact that the dent was already there when you purchased the car has absolutely nothing to do ...
1999 Integra in accident	8/20/2006
Q: if totsled..what book will they use and how will i know if fair?my son's 1999 Integra LS 2 door was ... A: Generally, insurance companies do not use books because they do not represent the true cash value of ...
1999 Integra in accident	8/20/2006
Q: my son's 1999 Integra LS 2 door was the 3rd car in a 3 car accident. Air bags did not deploy. Hood, ... A: Steve, From what you're describing, I doubt it's a total. Generally in rear end collisions, the ...
Personal injury	8/18/2006
Q: I used this service before, and would like some more good advice.... I was in an automobile accident ... A: I'm not sure why you didn't get a rental car and send them the bill, but what's done is done. If ...
What do I get	8/17/2006
Q: We were in an accident. The other driver was at fault and never informed his insurance. We ... A: The reason why it took them so long to admit liability is when the insured does not cooperate, the ...
Accident Towing	8/16/2006
Q: You are right. We own and operate 4 Independent Salvage Auctions in Texas: ACAP,BCAP,CCAP,DCAP We ... A: Doug, I hit the wrong button and rejected your last comments. What you're proposing sounds very ...
car accident	8/16/2006
Q: My daughter was in an accident which was her fault. her car was towed. It is a l997 sunfire. It ... A: I can only answer questions for you regarding the auto claim, not insurance underwriting practices ...
Accident Towing	8/15/2006
Q: In our Metropolitan area, when an accident occurs, vehicles are typically moved by police to that ... A: Man, you're preaching to the choir! I think all city impound yards are the same way, not to mention ...
New Car Totaled in 24 hrs	8/15/2006
Q: My parents just bought a used lexus from a dealer and drove away that night. The next day, they ... A: Generally speaking, when you ad a car or replace a car on an auto policy, whatever coverage was ...
Hit and Run	8/14/2006
Q: before I begin, I would just like to thank you for volunteering your time. Well my husband was ... A: What an unfortunate situation Julie. Hopefully your husband's injuries were not too serious. If ...
Trailer coverage	8/13/2006
Q: I have home owners, an umbrella policy, and auto insurance. 2 days ago our trailer lost control and ... A: The answer to your question varies from state to state, policy to policy and company to company. ...
My auto claim.	8/12/2006
Q: My 2003 Chevrolet Trailblazer has $11,208 damage per the body shop and 21st century insurance says ... A: It sounds like the value the dealer is quoting is wholesale or trade in. The insurance company is ...
Auto Accident	8/12/2006
Q: I was rear-ended while at the red light the car that hit me was at fault and caused damage to my car ... A: Based on what you are telling me, I doubt that any coverage will be provided. It states in just ...
Accident... now what?	8/11/2006
Q: I was involved in a motor vehicle accident in PA in late April. My adjustor came out to the scene of ... A: Assuming that we are not talking about damages that would exceed your policy limits, you have ...
Tree and another person's car	8/10/2006
Q: A tree on my property fell onto my mother in law's antique auto which I was keeping in my garage. I ... A: Geez, I'm sorry to hear about that, especially as I'm an old car buff. The only auto insurance that ...
receipts for repairs	8/8/2006
Q: I was in an accident where I was broadsided. The other parties insurance paid for entire repair. Is ... A: Yes. The insurance company is owed exactly what they paid for and has the right to examine all ...
Auto collision with $800 damages to other car	8/8/2006
Q: I was at fault in a minor fender bender. The other car's silver bumper (2003 Mazada 6) has my black ... A: From the estimate amount that you're describing, it sounds like they are replacing vs. repairing the ...
Car fire	7/24/2006
Q: Matt, Its been ab 6 weeks now and very little repair has been accomplished on vehicle. We are very ... A: The smoke smell with go away, but usually only with a complete interior replacement. Basically, ...
Parking Lot Accident	7/22/2006
Q: First let me thank you for this great resource ! I had just parked my 2005 Mustang and was about ... A: So far, you've handled everything correctly. Regardless of how you were parked, the party that ...
Minor accident	7/20/2006
Q: My 3 year old car was involved in a minor accident on private property. A driver backed into the car ... A: you make a third party claim (a claim against someone else's policy) than you are free to use the ...
auto property damage	7/20/2006
Q: I live in Florida. Stopped at a red light when the driver of a commercial vehicle lost control of ... A: This is considered a single loss. It was triggered by one event, the semi losing control. ...
Engine damage after rollover with trailer	7/19/2006
Q: I was at the start of our family vacation a few weeks ago, heading North pulling a 29' travel ... A: Good grief! Thank goodness you guys are all ok. Ironically, almost the same exact thing happened to ...
third party claim settlement	7/17/2006
Q: I recently had a a vehicle belonging to a state agency (in Califoria) run into my vehicle. The ... A: Unless there is something really different going on in California,,,, oh wait; there's always ...
Does insurance have to pay	7/16/2006
Q: My husband recently tapped a car while backing up while this car was parked behind our driveway. We ... A: A couple of things here. If your insurance company handles the other person's damage, there is no ...
Property Damage Settlement	7/16/2006
Q: We live in California. Yes she has uninsured motorist coverage but they are saying that it only ... A: Ok. You most likely have under-insured motorist protection but it only kicks in if your coverage ...
Property Damage Settlement	7/15/2006
Q: My daughter was rear ended by an unlicensed driver who was driving someone else's vehicle that ... A: Very interesting. I have some questions. What state do you live in? Do you have Uninsured Motorist ...
auto damage	7/14/2006
Q: my wife was driving behind a semi truck. and the guy missed the entrance of where he was going, and ... A: Does your state not require insurance on all vehicles? Your rights lie within the legal system, but ...
Lane Change Accident, What can you do to prove other driver at fault?	7/14/2006
Q: I don't get the logic. If I were to brake, how would the bumper be pulled forward. It is not caught ... A: The bottom line is that in this type of collision, it is possible to apply many theories to the ...
Lane Change Accident, What can you do to prove other driver at fault?	7/13/2006
Q: Our car was damaged on the left front bumper. There car was damaged on the right rear bumper.Hi, I ... A: Based on the location of the damage, what you are telling me about the front bumper being bent ...
Diminished Value	7/13/2006
Q: My wife was rear ended last week on the freeway (stop and go traffic) and was then forced into the ... A: Eric, The laws regarding diminished value vary from state to state as well as the methodology in ...
property settlement	7/12/2006
Q: I was rear-ended at a stoplight 06-22-06. I am attempting to handle property and bodily injury ... A: Just call the adjuster and have him fax a copy of his estimate to you. Once received, take the ...
4th Glass Claim (Vandalism); Waived Deductible?	7/11/2006
Q: Please advise whether an insurer can consider requests to waive deductibles on a case-by-case basis, ... A: What they've told you is pretty much correct. If they waive deductible without specific cause and ...
auto accident repair estimate from other drivers insurance	7/8/2006
Q: I was rear ended, other persons fault, I have no collision, his insurance adjuster visually looked ... A: If the vehicle is worth $2000 and has $1000 worth of damage, they will not likely total the vehicle. ...
liability	7/6/2006
Q: My daughter tapped the rear of a car (the woman stopped suddenly in front of her). they got out to ... A: Given the facts as you have presented them, the other party has no proof of loss other than you're ...
Permissive use with damage	7/6/2006
Q: My daughter had permission to drive a friend's car. The friend was in the car. My daughter backed ... A: Deductables do not apply to liability on auto policies. The insurance company covered the other car ...
permission to drive	7/5/2006
Q: Jen borrows her uncle's car - she has his permission to do so. Jen gets into an accident. Would ... A: Though policies vary from company to company and from state to state, generally speaking, Jen would ...
basic tips	7/4/2006
Q: I never owned a car but for the future, can you give some basic tips/things to know when I go get ... A: Well Alex, I'll tell you what I can, but I've never sold insurance. Claims is the complete opposite ...
CLAIM W/OWN CARRIER	7/4/2006
Q: I HAVE TO FILE A CLAIM WITH MY OWN INSURACE CARRIER, BECAUSE THE GUY THAT REAR ENDED ME HAD NO ... A: As I've never seen your car or the estimate for damages, or your medical records I have no way to ...
no insurance other person	7/3/2006
Q: i had an accident with this girl in parkinglot of a store. i was going in opposite side of the girl. ... A: From the description that you've given me of the accident, it sounds like she hit the pole to avoid ...
Insurance Coverage Lapse	6/29/2006
Q: A friend was in a minor car accident (his fault). After filing a claim through the company's 800 ... A: Nope. We're talking about an insurance policy. He pays and they cover. He quits paying and they ...
Possible minor accident	6/28/2006
Q: I may have tapped a car while backing up. There is 900+ damage to this guys vehicle.. not even a ... A: I'm not sure if I follow this. You either did or didn't run in to the guy’s car and I hope that you ...
Repairable or totaled?	6/27/2006
Q: My Ford 150 pickup was hit, there is some frame damage, and the claims adjuster said it could be ... A: I understand how you feel Lisa. It's awful being caught in the middle between two parties who both ...
Bad repairs	6/27/2006
Q: I was advised to do $2,640 worth of repairs by Merchants of Tire Kingdom. One of those advisements ... A: As far as what your car is worth, the Kelly Blue book is meaningless, especially if you're looking ...
insurance problem	6/24/2006
Q: do we have to lose our deposit as axcess or is this on private property? awaiting your ... A: I'm not sure if I understand all of the facts. What is a luton van and what is axcess? That aside, ...
Parking Lot Accident, Who is at fault?	6/23/2006
Q: Parking Lot Accident ... A: Generally speaking, whoever took the "action" last has the duty to exercise caution and yield to the ...
how to handle minor bump up	6/20/2006
Q: My teenage daughter backed into a 1995 ford Explorer with here Nissan X-terra. The police were not ... A: $700 to repair what you've described sounds like a deal to jump all over. I'm lucky to get a body ...
Insurance claim check	6/20/2006
Q: my question is I have a check for an amount that is made out to me and my lein holder. I have a ... A: Laws and insurance guidelines vary from state to state, but most insurance companies will make the ...
what now	6/20/2006
Q: I live in Nebraska. Last month my daughter(who is on my Farm Bureau policy) along with another ... A: This sounds like at highway speeds, it could have been much worse. Try to keep that in mind. You ...
stolen car	6/19/2006
Q: My car was stolen Friday and recovered Monday about 100 miles away. Do I have to take the car back? ... A: Of course you don't have to take the car back. There are other options such as horses, mules, taxi, ...
claim settlement	6/17/2006
Q: My wife was bumped from behind at a stoplight and it pushed her into the car ahead of her. The ... A: Under normal circumstances, the money would be yours spend however you choose. It sounds like not ...
surcharge for no claim	6/17/2006
Q: my daughter bumped a car that stopped suddenly in and intersection. There was no damage to the car ... A: Sounds like an expensive lesson learned. An insurance policy is a contract. One of your duties ...
Is this a good deal?	6/15/2006
Q: An answer to yourI was rear-ended almost 2 weeks ago. The other party's insurance agency assumed ... A: I'm sorry to hear that you were in an accident Corrine. The first thing that you'll need to ...
Is this a good deal?	6/15/2006
Q: An answer to yourI was rear-ended almost 2 weeks ago. The other party's insurance agency assumed ... A: I'm sorry to hear that you were in an accident Corrine. The first thing that you'll need to ...
Totalled lease	6/12/2006
Q: I leased a Nissan 350Z Roadster. My buyout price is $20,500. I owe 5 more months at $629. I totaled ... A: You owe what you owe, regardless of the circumstances of the payoff. It's not that they are going ...
Stolen Vehicle	6/11/2006
Q: I live in Florida. My truck was stolen. It was recovered a week later. I am concerned that there ... A: There is either mechanical damage or there is not. Based on my experience specializing in theft ...
Cancelling Auto Insurance	6/9/2006
Q: If I do not like my auto insurance company, do I have the right to cancell my policy and go with ... A: This is more of an underwriting or sales question than claims, but I've never heard of a policy that ...
Insurance Claim	6/8/2006
Q: We were in a auto accident on 5/6/06. We do not have a rental car coverage and we filed a claim on ... A: I'm sorry that you've had to experience these delays from your insurance carrier. Unfortunately, ...
state farm	6/7/2006
Q: dont they have to repair the car as it was before the accident to same condition with orignal volvo ... A: Enes. The laws and procedures regarding aftermarket parts vary from policy to policy and state to ...
Lapsed policy vehicle parked / hit and ran	6/6/2006
Q: My vehicles policy was three weeks lapsed at the time it was parked properly on a California street. ... A: Good grief! This was an unfortunate event, but darn good detective work on your part. The only ...
Fair deal?	6/6/2006
Q: I have a 2002 Suzuki Grand Vitara 4WD (loaded) that was totalled in a tornado a couple of weeks ago. ... A: I'm sorry that you have to go through such an event. The truth however, is that the insurance ...
Georgie Boy Door Damage	6/6/2006
Q: We recieved a response to our question with "I have already answered this question for you once ... A: I just checked in my archives and the question is there stating that I already answered it, but the ...
Insurance claim	6/6/2006
Q: I was driving my girlfriends car, on which I am not covered, and rear-ended another car that was ... A: Wow this is quite a mess. The strongest case for denial comes from your girlfriend's carrier. If ...
Diminished Value	6/4/2006
Q: I bought a 2002 Camero Convertible with 19189 miles (Excellent Condition) for $16000. Four days ... A: Ginger, I'm sorry to hear that you were rear ended and especially that you were injured, but you may ...
rental reimbursement	6/2/2006
Q: I was involved in an auto accident in which I was not at fault. My vehicle was undrivable due to the ... A: Mark, I'm sorry to hear that you were in an accident and hope that everyone is ok. I don't have much ...
settlement process	6/2/2006
Q: It has been 2 months since the demand letter was sent. The adjuster says the nurse is still ... A: Two months sounds awfully long to conduct an investigation, but they may be looking at other things ...
settlement process	6/1/2006
Q: I was hit by a guy that ran a red light on Oct. 2, 2005. He admitted that to police and his ... A: Beverly, I'm sure sorry that you've had to go through this and hopefully you will soon make a full ...
Other Person's Insurance Not Accepting Liability	5/31/2006
Q: Webfoot, I live in Florida was hit by a woman who made a left turn into my car at a green light ... A: This does sound like a very frustrating situation. One misconception about insurance is that the ...
auto insurance	5/31/2006
Q: On April 1, my daughter pulled out in front of someone. She was at fault. (Fortunately, she's ... A: Suzie, I'm glad that your daughter is ok after the accident and hopefully everyone else was as well. ...
using OEM parts after an auto accident	5/25/2006
Q: I recently was involved in a car accident. My car is a 06 toyota corolla and has only 1K miles on ... A: Most insurance policies do have language that allows the use of aftermarket parts. It varies from ...
No Payment from auto Ins company	5/25/2006
Q: My motocycle was totalled in AL by a Tenn. driver. His fault. I recieved a laceration to my arm ... A: Goodness, I hate to hear that an insurance company would actually be doing something as stupid as ...
Can I owe on a 5-yr-old claim?	5/23/2006
Q: In November 2001 I was carjacked while I was living in Arkansas. The vehicle was recovered and a ... A: Joel, What you are referring to here is called subrogation. Your insurance company stepped in on ...

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