Auto Insurance Claims - Auto Insurance - Autos

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About Richard Hixenbaugh
(Top Expert on this page)

Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present clients
My company has done work for consumers nationwide.

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

Questions Answered By Expert Richard Hixenbaugh
In Category Auto Insurance Claims

Subject	Date Asked

Auto insurance company procedure	11/20/2009
Q: In February our daughter was in an accident where her car was totaled. The car was hers, but it was ... A: You certainly have the right to know what is going on. You will not be rocking the boat to call your ...
insurance claim or homeowners claim	11/20/2009
Q: I was driving into the area where I park my vehicle. It is in my neighbors yard. As I was entering, ... A: Based on your explanation, this would be considered your fault. You would make a claim on your auto ...
rear ended	11/19/2009
Q: I was rear-ended 2 weeks ago in Missouri while sitting at a red light. Minor damage to car, minor ... A: You should request the insurance adjuster send you a letter or an email that explains in detail the ...
Questionable Settlement Offer	11/17/2009
Q: My husband was rear ended on Sept 29th. We received a total loss settlement offer from the at fault ... A: CCC has been sued many times over its valuation practices. The insurance company has no interest in ...
Minor accident..but found out no coverage	11/17/2009
Q: While backing out of a parking space my car hit another traveling the wrong way on a one-way street. ... A: I'm sorry this response was a bit slower. The approach you outlined may have been successful if ...
Minor accident..but found out no coverage	11/17/2009
Q: While backing out of a parking space my car hit another traveling the wrong way on a one-way street. ... A: Don't bother with an attorney, they likely will not want to get involved in this. Yes you should ...
Total Loss Entitled to Reimbursment for Repairs Previously Made?	11/14/2009
Q: I was 3rd in a 4 car pile up in MA. My car will likely be totalled. Can I recover any of the money ... A: You should file this claim with your own insurance company. Since there are multiple cars and ...
General insurance query	11/13/2009
Q: I have an always-garaged top-of-the-line 1999 Honda Accord EX with 24,000 miles in showroom ... A: (I almost feel like Dear Abby) All vehicles depreciate in value with the passage of time and use. ...
car totalled	11/13/2009
Q: I live in Connecticut. I received a settlement check of about $7000 from the auto insurer of a ... A: There is no way to reverse the Salvage title. Once an insurance company totals out a vehicle they ...
Accident, Insurance & Registration issue...	11/13/2009
Q: My husband & I purchased a vehicle from his boss back in Dec. 2008. The vehicle is financed through ... A: Although it may take several days for everyone at your insurance company to verify everything, this ...
Insurance coverage & umbrella policy	11/12/2009
Q: My husband's company is changing their policy -- they've provided him with a car for years, and now ... A: Yes the commercial policy will cost more. In some cases you can add an endorsement onto your ...
denial of auto claim	11/12/2009
Q: A few days ago I was pulling out of a parking lot onto a road. The car in front of me started to ... A: You should not worry at all. Your insurance company will handle the entire process. If you are ...
insurance title	11/12/2009
Q: i am a wholesale dealer and i bought a vehicle at a manheim auction that was announced clean title ... A: As far as I know there should always be an announcement of a salvage or rebuilt title if the auction ...
insurance judgement	11/11/2009
Q: 4 years ago, son uninsured, was in accident. insurance company now has a judgement against him for ... A: Every company is different. You will just have to call them to see what they will accept. Initially ...
HELP!	11/11/2009
Q: I was out of town to go shopping with my sister on March 21, 2009, while at the mall we were ... A: The first thing you have to realize is that the insurance company has no interest in treating you ...
Dealing with Geico Claims Adjuster	11/11/2009
Q: My wife was hit by a Geico policy holder. We have State Farm. Are we better of dealing with Geico ... A: Kelly, You can always fall back to your own insurance company. So to start with you should contact ...
Personal Injury Jury Trial	11/10/2009
Q: in July of 2006 I was involved in a car accident. I was eight months pregnant with my last child. ... A: I don't mean to disappoint you, but you should not proceed with this case unless you have anb ...
Insurance claim	11/10/2009
Q: If someone were to total a vehicle resulting in injuries to the operator in the state of Rhode ... A: You are actually asking a legal question not an insurance question. But I will do my best. In many ...
rear ender	11/9/2009
Q: Recently my daughter was car #6 in a nine car front to rear collision on the interstate. The police ... A: Since the car that hit your daughter has denied liability, if you have insurance on this vehicle you ...
loss of use	11/9/2009
Q: My car was involved in a accident on Sept. 15. When trying to report it my insurance company, I ... A: Your insurance company will nto pay anything because you did not have insurance. The at-fault ...
Loss of Use & Fleet Utilization Log	11/8/2009
Q: I was involved in an accident twice the same weekend, once with third party and second with nobody, ... A: Loss of use by a rental company is usually denied by most insurance companies unless the log is ...
Lapse	11/8/2009
Q: I was in a wreck where an uninsured motorist hit and totaled my truck. I was not at fault but had ... A: The claims department at an insurance comapny does not communicate with the policy services side of ...
hit and run	11/8/2009
Q: today we were hit by a car that was stolen . car was recovered and we have the owners info. suspects ... A: If you have collision coverage your insurance company will pay the damage minus your deductible. If ...
auto policy claim	11/7/2009
Q: i have a auto policy with geico in new york, i moved to georgia last year, i did not inform geico of ... A: Most insurance policies require that you notify the insurance company within 30 days of a change of ...
Can my husband's wages be garnished if our insurance company denies claim?	11/7/2009
Q: My husband was in an auto accident where a motorcycle passed him on the shoulder of a two-lane road ... A: You have nothing to worry about. Your insurance company has denied the claim because they believe ...
Auto Accident	11/7/2009
Q: I am in Maine and was involved in a fender bender 3 weeks ago with an out of state driver who was ... A: Avis would only be responsible if the renter actually purchased their optional insurance. Otherwise ...
Hail Damage?	11/6/2009
Q: I received hail damage to my vehicle. The first estimate that was given to me by the insurance ... A: Paintless dent repair (PDR) is a viable method of repair. It is less intrusive than traditional body ...
Bike accident	11/6/2009
Q: I was on my bicycle riding in town when I was hit by a car turning left. The driver did not see me ... A: Yes. You are entitled to compensation for both of these issues. You should contact the state farm ...
Accused	11/5/2009
Q: I hope you can help with this. I'm sort of in a different position. I recently received a call to ... A: You should tell this person that as far as you know that this incident never occured and that you ...
wife damage her own car	11/5/2009
Q: I want to thank you in advance for spending time answering my question. I will try to make it short ... A: Yes you can file a claim and you would only be responsible for your deductible. This would be ...
rear end collision	11/5/2009
Q: Just the other day while returning from school I was rear ended at an intersection. The light was ... A: When Is A Vehicle A Total Loss? Financial Total Loss Most insurance companies will declare a car, ...
loss of use	11/4/2009
Q: My car was involved in an accident on Sept. 15. When I went to report it to my insurance company, I ... A: Generally, a loss of use payment would be $15.00 to $20.00 per day for each day you were without ...
Total Loss Claim	11/3/2009
Q: Our insurance company has declared our 2006 ford taurus a total loss for an accident where we are ... A: A vehicle with a salvage or rebuilt title is generally worth 35% to 50% less than a vehicle with a ...
Filing a claim on a parked vehicle accident	11/2/2009
Q: I live in Michigan and my wife's van was hit while parked in a parking lot at a local store. The ... A: This would be considered a collision claim and may cause your rates to go up at renewal. You should ...
SIU investigation in a theft and total loss	11/2/2009
Q: I recently purchased a vehicle from a friend in July which I park on the street in my neighborhood. ... A: You can withdraw the claim. However, if you do you will be out a car and all of the money you have ...
SIU investigation in a theft and total loss	11/1/2009
Q: I recently purchased a vehicle from a friend in July which I park on the street in my neighborhood. ... A: I don't understand why you would want to drop the claim. SIU investigates all theft claim at an ...
accident on private property	11/1/2009
Q: was involved in an accident at my house where my friend left his car at my house and to my ... A: Regardless of where the accident happened, you backed into your friends truck and caused damage. As ...
Commercial auto loss	11/1/2009
Q: My husband had an accident in our source of income, and the insurance company totaled the semi. The ... A: Unless there is a provision in your policy for the payment of lost income they will not pay it. ...
Engine fire - possibly electrical	10/31/2009
Q: my name is Michael and I have a car fire related question. My retired parents purchased a used 2001 ... A: The insurance company's determination of whether the vehicle will be repaired or totaled will be ...
Rear ended	10/31/2009
Q: I was stopped at a light and was rear ended by a driver. When we exchanged information he said it ... A: Unfortunately there is not much you can do except to file a law suit against the other driver. You ...
F 250 SD crew-cab and trailer	10/30/2009
Q: I have 2 ? for you.My son got T-bone the other guy ran a stop singn.After the truck is fix and win I ... A: Depending on the type and extent of the damage to the truck and the age and mileage on the truck you ...
Valid police report	10/30/2009
Q: About a month ago my car was hit in the parking garage at my apartment building by the lady that ... A: Assuming that you already have an estimate to repair your car, you should contact the husband one ...
wrecked truck and boat	10/29/2009
Q: Today I learned that my truck is a total loss. Haven't heard anything on our 20ft partikraft pontoon ... A: If both the truck and boat are totaled, the insurance company will pay the fair market value of each ...
auto insurance claim adjuster responsibility for extended repair time due to incorrect part	10/29/2009
Q: My son has a tractor trailer that hit a moose. Part of the repairs included replacing the hood. My ... A: Since your son is dealing with his own insurance company, what he is entitled to is determined by ...
Carry a claim	10/28/2009
Q: How long can you carry a claim if you are disputing the cash value of the vehicle? Can the insurance ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ...
injuries that show up later	10/27/2009
Q: I was involved in a accident where I was rammed into a semi by another service truck,rammed by ... A: If there were no significant injuries then your settlement will be very small. I would say that if ...
Rear end collision	10/26/2009
Q: I got into an auto accident 2 months ago after I pulled out of my parking spot. At first, I noticed ... A: The insurance company does not want to provide you with any information. They often become rude when ...
Rear end collision	10/26/2009
Q: I got into an auto accident 2 months ago after I pulled out of my parking spot. At first, I noticed ... A: Based on your story I would say that the other driver is 100% at fault. Of course I have not heard ...
Hit & Run Accident	10/25/2009
Q: My parked car was recently involved in a hit & run accident. A police report was was taken & I ... A: I'm a bit confused. You stated that you only have liability insurance. If this is the case then your ...
Auto Insurance Claim Check	10/25/2009
Q: I was involved in an accident, and fortunately Allstate (the other drivers insurance co) has claimed ... A: You do not need to be concerned. The initial check you received is for the initial estimate. If ...
Loss of wages....Owner of company.	10/24/2009
Q: I was in a car accident, (other driver's fault) and the insurance company has called several times ... A: Yes you can claim the wages you had to pay to someone to do your job. You have the payroll records ...
Total Loss Value	10/24/2009
Q: My parent's 1990 Buick Riviera was recently involved in an accident, which resulted in their ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ...
law suit	10/23/2009
Q: I was doing a favor for my brother and i took his car to the mechanic shop on the way to the shop i ... A: There will be no coverage for any of the property damage or injuries nor are you or your brother ...
Truck and boat in wreck	10/23/2009
Q: Richard, My husband and I were returning from the beach pulling our 20ft. pontoon boat when a lady ... A: The first thing you shoud expect is that the insurance company willlikely try to low-ball the value ...
law suit	10/23/2009
Q: I was doing a favor for my brother and i took his car to the mechanic shop on the way to the shop i ... A: It sounds like the attorney thinks that you were the one driving the car during the multiple ...
Gap insurance	10/22/2009
Q: Greetings my question is how does gap insurance work? I mean I understand it pays for the remaining ... A: Your explanation of how GAP insurance works is correct. In the scenario you gave there would be no ...
Fire	10/22/2009
Q: last friday my car was stole from in front of my apartment and was burned. The police found my car ... A: Whenever there is a fire or theft claim, the insurance company can take up to 60 days to investigate ...
driver or passenger responsible?	10/21/2009
Q: My grade nine daughter is on a school volleyball team. She was driven from school to a volleyball ... A: I am not specifically familiar with Canadian law, but I would say that it would be the parent that ...
parking lot accident	10/21/2009
Q: Hixenbaugh, I had a minor accident in parking lot, my car had minor damage and no other party ... A: You simply put your caer in the body shop of your choice. Give the shop a copy of the estimate ...
Collision with a stolen car	10/21/2009
Q: I was involved in a collision with a stolen car in California. The driver of the stolen car ran a ... A: Unfortunately, no. Neither the rental company nor the person who rented the car caused the damage to ...
Parking Lot scratches issues	10/20/2009
Q: My wife had parking lot scratches issues today. My wife had parked the van to pickup my son from ... A: Yes it would be considered to be your wifes fault. You should ask the other driver to privide you ...
Using my insurance vs. liable parties insurance	10/20/2009
Q: Yesterday I was rear-ended, I immediately called my insurance company. The claims department gave ... A: I'm not sure what you mean by legwork. You would have to contact the other insurance comapny and ...
Rental Reimbursement	10/20/2009
Q: Back in Oct 08, I was at a red light and was rear ended by a taxi. Police report was done and his ... A: Yes. they absolutely owe you for the rental car. First, if you have not already done so, you need ...
Should we file claims	10/19/2009
Q: Good afternoon Richard, Thanks in advance for the time you spend answering this question, it is ... A: I will try to answer your questions in order. 1) The windshield damage on your car would be a ...
Lien Holder on Car that was totaled	10/19/2009
Q: I have a lien holder (Title Max) on my car. If my sister gets in an accident and totals my car and ... A: If your car had no insurance and your sister was at fault then she will likely be sued by the other ...
Lien Holder on Car that was totaled	10/19/2009
Q: I have a lien holder (Title Max) on my car. If my sister gets in an accident and totals my car and ... A: If your sister was driving your car and she was at-fault in the accident, then your liability ...
Worth contacting driver's insurance company?	10/18/2009
Q: Recently a commercial truck driver caused an estimated $700 damage to my residence. He left the ... A: You should go ahead and contact his insurance company to file the claim. Explain to them in detail ...
PARKING LOT MINOR ACCIDENT	10/18/2009
Q: A vehicle that was inappropriately/illegally parked in a lot, parked diagonally and blocking other ... A: Unfortunately, the fact that he was illegally/improperly parked is not relevant. Any time you hit a ...
Who's at fault?	10/17/2009
Q: Car A is going straight through an intersection on a green light. Car B is turning left from the ... A: If car A had a green light then car A had the right of way. Car B would be at fault since car B ...
Parking Lot Accident	10/16/2009
Q: My brand new car was hit in the parking lot of my office sometime during the work day. When I came ... A: No. The management company is not liable. They did not do anything that caused the damage to your ...
Insurance claim issues	10/15/2009
Q: On the 16th of Aug. I struck my motorcycle with my Girlfriends car. The insurance company has sent ... A: This is a tough one. If you had been driving your own car and hit your motorcycle you would not ...
Step-son got a DUI in our Company Truck	10/15/2009
Q: My step son received a DUI last night while driving our company vehicle insured on a fleet auto ... A: If there was no accident involved that would triger an insurance claim, there is no reason for your ...
R-TITLE	10/15/2009
Q: I TOTALED MY R-TITLE 2000 DURANGO.ERIE INS WANTS TO PAY ME A REDICULOUS LOW AMOUNT.FUNNY THING IS I ... A: Well you did not ask a question but I will try to be helpful. When any vehicle is wrecked and ...
Insurance repair obligation	10/14/2009
Q: A few weeks ago a woman backed into my 09 Harley Davidson, Fat Bob. Damage includes a dented gas ... A: You should simply tell the insurance adjuster that this is your bike and you will have it repaired ...
Allstate Insurance Claim	10/14/2009
Q: I think my question is found in my demand letter to the insurance company. ****** On February 24, ... A: You have to keep in mind that this is an adversarial process. The insurance adjuster has no interest ...
What are my options same insurance company problem	10/13/2009
Q: I was in a auto accident and I was told by my insurance company that my car was a total loss, I ... A: You are doing exactly the right thing. You should select your own body shop. Have the insurance ...
Total loss	10/13/2009
Q: My car recently had an electrical fire and my car was ruled total loss book value for my car is$6800 ... A: There is a clause in your policy called the "appraisal clause". The Appraisal Clause Process 1st ...
Car Wash Owner wrecked my car	10/12/2009
Q: I work in an office building that has an onsite car wash company come 2 times a week. Last week, I ... A: General liability insurance generally covers his premisis if he has a business location. For the ...
How much is a reasonable amount to ask from an insurance company?	10/12/2009
Q: Recently I was hit by a truck while sitting on a bench waiting for work to start. A truck heading ... A: The value of your claim is not based on the circumstances of the accident but rather on what ...
GAP insurance	10/12/2009
Q: I hit into the back of other car. That car was total loss. The other's car insurance company sent me ... A: I am based in the U.S so I am not specifically aware of Aussie law. However, if you were in the US, ...
Parking lot accident	10/11/2009
Q: my son was backing straight out of a stall (in a shopping center)with the intent of backing into the ... A: I don't know specifically where it is written but it is written somewhere. This is a legal principal ...
Parking lot accident	10/10/2009
Q: my son was backing straight out of a stall (in a shopping center)with the intent of backing into the ... A: Parking lot accidents are some of the most difficult to determine liability. The likely result be be ...
Am I liable?	10/9/2009
Q: I hit a truck next to me while backing out slowly. The police came and we all agreed there was no ... A: You should call this guy and tell him that there is no way that the little scratch that you caused ...
who's at fault for an accident	10/9/2009
Q: I pulled out of a junction this morning and checked both left and right before i did so and there ... A: Being based in the U.S. I am not familiar with U.K. law or liability determinatin, however, based on ...
claim denial	10/8/2009
Q: Our teenage daughter took her mothers car keys and had an accident, totalling the car and injuring ... A: You should call your insurance company and ask them to point out in your policy exactly where it ...
insurance	10/8/2009
Q: I recently had my car stolen. My wife and i are separated. My wife failed to change her address ... A: In the case of theft claims, the insurance company will generally take upto 60 days to complete ...
unclaimed damage	10/8/2009
Q: I tapped into the car in front of me at a red light and left a few scratch marks on the bumper but ... A: Your insurance company would not be responsible for any preexisting damage. you need to call your ...
Which medical bills to use?	10/7/2009
Q: Could you please clarify for me what amounts the adjusters are allowed to us. My insurance from ... A: That is correct. The auto insurance company will only use the actual amount paid, not the amount ...
At fault accident	10/7/2009
Q: About a year ago, I rearended someone while not having any insurance. My insurance had only lapsed ... A: You should contact the attorney you already used. However, if you are at fault for the accident, ...
GAP avail on used cars? Aftermarket accessories coverable?	10/7/2009
Q: I am currently paying on my vehicle. It is a 2005 Toyota Tundra with 100k Miles. I've owned it just ... A: This is not an easy answer. Every GAP insurance policy has different provision. You would simply ...
Claim question	10/6/2009
Q: I was following a cement truck that dumped it load and caused damage to my winshield and chips in my ... A: Yes. You are not required to have the vehicle repaired even though they are required to pay you for ...
How to get car rental reimbursement for sitting on friend's car ?	10/6/2009
Q: My car insurance has a car rental allowance. I have had my car repaired and asked my friend drive me ... A: You should call your insurance company and ask them what rental agency they work with. Most ...
How to get car rental reimbursement for sitting on friend's car ?	10/5/2009
Q: My car insurance has a car rental allowance. I have had my car repaired and asked my friend drive me ... A: In most cases no. The rental coverage on your policy will only generally pay when you actually rent ...
UnInsured Driver Accident	10/4/2009
Q: My husband took my car from a parking lot and wrecked it while drinking and driving. Will this be ... A: In some states, some insurance policy do esclude coverage if an accident occurs while you are drunk. ...
authorization form	10/4/2009
Q: Do I need to sign a medical authorization form? What would happen if I don't? Thank you. A: If you are presenting a bodily injury claim you must sign the medical authorization. This form is to ...
Titleing	10/4/2009
Q: I traded cars with someone and when we were filling out the title the seller filled in the ... A: I'm sorry to say that I have no idea. The only way to get a correct answer on this question is to ...
auto claim denied	10/3/2009
Q: I was involved in a hit and run accident. The other car sideswiped me and didn't stop. I got the ... A: About the only thing you can do is either continue to argue with the insurance comapny or get an ...
Settlement- must I report it to my insurance?	10/1/2009
Q: I got into a car accident and I am trying to settle my case. The accident occured in California. The ... A: You shoul not do this. What this adjuster is suggesting you do is called INSURANCE FRAUD. If your ...
Insurance claim	10/1/2009
Q: I just got into an accident with a young driver yesterday, he was at fault because he was coming out ... A: Yes. This does make sense. This is because virtually all insurance companies require that all ...
Party at fault ignoring insurance company	10/1/2009
Q: I was in a small accident a few weeks ago and the part at fault is ignoring their insurance company. ... A: You should have the at-fault drivers address. If so send him a letter telling him that you know thet ...
Property Damaged in Taxi	9/30/2009
Q: Who's PI claim will this be paid on. I was passenger in DC taxi, hit from behind, totaled both ... A: Each claim is seperate and distinct. If you had personal articles that were damaged in addition to ...
accident	9/29/2009
Q: my husband was involved in a accident last night. there was a car in the hov lane that was broke ... A: Unfortunately, this is going to be a long drawn out process. Based on your explanation, it sound as ...
Do I qualify to claim Uninsured Motorist	9/29/2009
Q: I was involved in a Motorcycle accident July 6th in Missouri. A car pulled out in traffic striking a ... A: Unfortunately, each states uninsured motorist laws are different. I am not specifically aware of ...
car insurance/Illinois	9/29/2009
Q: had full coverage for car in my name, got insurance last year however stated need to update driver's ... A: If the accident was not your daughters fault, you should file the claim against the at-fault drivers ...
new car	9/28/2009
Q: My father just bought a 2009 ford focus on Sept 3 of this year and still owes a little over 12,000 ... A: Unfortunately, the insurance company will not even consider totaling your car unless the cost to ...
total loss statement	9/28/2009
Q: not sure how to get total loss statement for a car i bought A: I'm not sure what you are asking. I will require more detailes. When did you purchase the vehicle ...
auto insurance claim + extra	9/27/2009
Q: My mother was recently reended by a driver using his cell. The police report states that the other ... A: H Lloyd, The insurance comapny may claim that the $1800.00 spent was on "regular maintenance items" ...
insurance claim statue of limitations	9/26/2009
Q: Back in 2000 on Long Island NY<I was involved in a minor fender bender. My insurance had lapsed a ... A: The statute of limitations in New Your is 3 years for property damage. However, there may be some ...
Dead tree limb broke my windshield	9/26/2009
Q: I was parked on the street and a six foot limb fell on my windshield and shattered it. I contacted ... A: You should certainly get an estimate from a body shop and approach the property owner to pay for ...
auto companies	9/26/2009
Q: my car caught fire with me in it due to a defect to the fire paneling, as a result i have multiple ... A: I am very sorry for your situation. As far as I know there is nothing you can do. The company went ...
Personal injury claim represented by attorney	9/25/2009
Q: I was in an auto accident in Pennsylvania in May 2009. I was found at fault, but was not issued a ... A: Relax. There is really nothing you can do at this point. Your insurance comapny will do every thing ...
Legal question about claim filed after accident...	9/25/2009
Q: About 3 weeks ago, my husband was involved in an accident in Orlando. The short story is, he was ... A: No. Your husband has no liability in this case whatsoever. The liability is apportioned as 60% to ...
Legal question about claim filed after accident...	9/25/2009
Q: About 3 weeks ago, my husband was involved in an accident in Orlando. The short story is, he was ... A: If someone else cuts you off and you run into another car is is not your fault, it is the fault of ...
Diminished Value & loss of use	9/24/2009
Q: My vehicle was involved in an accident about a month ago. I just moved to Indiana (where the ... A: Obviously you are dealing with a idiot that would rather continue to reach for excuses than deal ...
Claim Problems	9/22/2009
Q: I have a claim in on my motorcycle that I hit with my girlfriend’s car. Both vehicles suffered ... A: You can either put a claim i on your own bike insurance if it is covered for physical damage or you ...
another rental car tire liability question	9/21/2009
Q: Similar to your question about a low tire. I rented a car from Dollar-Rent-A-Car one afternoon. ... A: This is hard to call. You are generally responsible for ANY damage that occurs to the vehicle while ...
car accident	9/20/2009
Q: my husband was in a head on collision recently..it looks like hes going to be at fault. the other ... A: Unfortunately, your question is state specific and is also a legal question and not an insurance ...
Diminished Value & loss of use	9/20/2009
Q: My vehicle was involved in an accident about a month ago. I just moved to Indiana (where the ... A: If your policy is an Indiana policy you should have Uninsured Motorist Property Damage coverage on ...
car accident	9/20/2009
Q: my husband was in a head on collision recently..it looks like hes going to be at fault. the other ... A: If the case has gone to court and a judgement was entered, what happens from there will depend on a ...
Filing a claim	9/19/2009
Q: My best friends 5 Y.O. daughter was involved in a tragic accident in which my friends brother ... A: Your friends daughter will likely be entitled to much more than the brothers policy limit. It is ...
Multicar accident claim	9/18/2009
Q: I was involved in a multi car accident in Washington State. I was on the interstate and the traffic ... A: You are not responsible for the car in front of you since you did nothing to cause the damage. The ...
Wreck/Claim	9/17/2009
Q: I was rear ended. Police determined other driver at fault & other driver issued ticket. Insurance ... A: In most states, if a vehicle is over 1 year old or has more than 12,000 mile on it, the insurance ...
car accident settlement - self emplyed tax return	9/17/2009
Q: I am a self employed fitness and tennis coach. I was in a car accident one year ago. The other ... A: You can tell them that you have already provided enough information to substantiate your claim, ...
Car accident information re claim	9/16/2009
Q: My name is Tracy and I was involved in a car accident on 6/6/09 in a parking lot. I was traveling ... A: In order for the insurance company to even consider the deviated septum as possibly related to the ...
problem with my auto claim	9/16/2009
Q: Compliments. I was involved in an auto accident. progress - 3rd party have accepted responsiblity. ... A: First you need to contact the attorney that claims to be representing you to find out who he or she ...
insurance payoff value	9/15/2009
Q: My vehicle was hit by someone and his insurance has accepted liability. The vehicle is totaled. We ... A: The insurance company is required to pay the local market value of your car. They will do a market ...
Independent Appraiser vs Insurance Company	9/14/2009
Q: I wrecked my truck July 28th 2009. I called the insurance company and filed a claim. The Insurance ... A: Since you mentioned your deductible, I assume you are dealing with your own insurance company. ...
Recovering lease Payment During Loss of Use	9/14/2009
Q: My unattended parked vehicle was struck in a parking lot by another driver's SUV. He left his name ... A: You are entitled to either a replacement rental car or a loss of use payment but not both. ...
Who's entitled to Diminshed Value Recovery?	9/13/2009
Q: The third party has paid out my diminished value claim and wrote a check payable to (1) the ... A: In most cases the insurance company is required to protect the interests of the lienholder by ...
Rental car wheel damage while driving with low air pressure	9/11/2009
Q: My wife was recently in an accident, thru no fault of hers as attested to by two witnesses at the ... A: Unfortunately, the information I am about to give you is not going to make you happy. Even though ...
husband rear-ended @ carwash	9/11/2009
Q: I also have the same problem as the previous person, with my husband just being rear-ended yesterday ... A: The only thing you can do is to file a claim with the car wash or their insurance company. If they ...
accident including alcohol, but no DUI	9/10/2009
Q: Richard, I was recently in a one vechicle accident that related in me being transported to the ... A: Since there was no sobriety test and no DUI issued it is as if it never happened. The insurance ...
changing your claim	9/9/2009
Q: if you filed a claim with your insurance that was not correct,(or you lied) and now you want to tell ... A: It would depend on the nature of the lie or incorrect statement. Filing a false insurance claim or ...
Changed mind and want to use body shop of my choice	9/9/2009
Q: Hixenbaugh, Thank you for reviewing my question. I was involved in an auto accident in NJ in which I ... A: You have the right to have the repairs done at the shop of your choice. You do not have to submit ...
insurance claim	9/9/2009
Q: I was rear ended by a car after he was rear ended, My truck rolled over in the accedent. My truck ... A: H Kim, You shoulkd file the claim with the insurance company of the person who initially caused the ...
Hitting an illegally parked vehicle.	9/8/2009
Q: My husband was backing out of a driveway and hit a car that we believe was parked illegally. We ... A: First, even if the car was illegally parked, if you back into a parked vehicle you are at fault. The ...
ins fraud	9/7/2009
Q: I bought a new 2007 Mitsubishi Eclipse 2 1/2 years ago which was totaled AUG 2, 2009. The other ... A: You should demand that your insurance company provide you with a copy of the original application ...
What about Passenger Rights	9/6/2009
Q: I was passenger in DC Taxi rear ended by at fault driver in PG County Maryland. Taxi totaled. Taxi ... A: Your claim will be for the full policy limits of the at-fault drivers policy and then your uninsured ...
Accident claims	9/5/2009
Q: I was involved in an accident at my packing lot. I was driving a car owned by a friend without his ... A: Do not wait until you get sued. You should call the insurance company right away. Give them your ...
Car accident while working	9/4/2009
Q: I was in a car accident while working in California. I was leaving a meeting at a customers ... A: In terms of the damage to the cars involved, there is no benefit to you stating that it happened ...
Fender Bender	9/4/2009
Q: Is there a statute of limitations for filing an insurance claim in Massachusetts? A little over a ... A: The statute of limitations in most states is at least 2 years. $100.00 is a small price to pay to ...
Accident claims	9/3/2009
Q: I was involved in an accident at my packing lot. I was driving a car owned by a friend without his ... A: Unfortunately your description of how the accident happened was clear enough for mew to determine ...
Car Accident Coverage	9/3/2009
Q: My car was recently rear ended by someone claiming to have a seizure. However,he first backed out ... A: A person becomes liable for damage they cause when thay have done something to cause the damage that ...
Insurance Fault	9/2/2009
Q: My insurance company is trying to claim a 50/50 fault for an accident i was in where i got hit on ... A: It is unlikely the police officer will change the report. Even if he did, the other insurance ...
Uncooperative Claimant	9/2/2009
Q: Three weeks ago I was in an accident that was witnessed by a police officer. At the scene he ... A: The other driver can claim anything he wants. This can go on for as long as needed until the other ...
auto accident claim	9/1/2009
Q: I was in auto accident in Dec. I was the passenger of a vehicle and another vehicle turned left in ... A: No it is not fair. Your claim should settle for an amount that is at least 2 times the amount of the ...
Car Accident	9/1/2009
Q: I was in a car accident recently in OHIO and we switched insurance info but no police report was ... A: Each of you should report this to your own insurance company. You will tell your insurance company ...
FAILED BRAKES	9/1/2009
Q: FOUND AD ON INTERNET THAT GUY DOES BRAKE WORK. WE ARRANGE TO DO THE BRAKES ON SUNDAY. I PICK UP THE ... A: Yes. The guy that did the brake work is 100% responsible for all of the damage that occured ...
Major Damages	8/31/2009
Q: Parked my can in a Garage, attendant parked my car against the wall on the passenger side, once I ... A: You should take digital pictures of the damage and the garage paint before it fades or get washed ...
Filing a third-party claim with police report	8/31/2009
Q: My car was recently struck by another vehicle in a parking lot in NJ, sustaining minor damage. I was ... A: The insurance comapny has 30 days to complete their investigation. Most insurance companies will not ...
Insurance company wants to total my vehicle	8/30/2009
Q: My vehicle was hit by another driver while parked. That driver's insurance wants to total my vehicle ... A: You need to discuss this with the insurance company to be sure they are aware of all of the ...
Who's at fault?	8/30/2009
Q: I was driving east on a county dirt road. When I came to a stop sign my left view was blocked by ... A: This is a difficult situation. Based on your description, it sounds like the other driver had the ...
Car wreck I was in in January	8/29/2009
Q: I was in a wreck in January. Anyhow, I live in Illinois and turned left in front of someone because ... A: The fact that you turned left across oncomming traffic make this 100% your fault. The other car had ...
How do I get my car replaced?	8/28/2009
Q: This is a follow up to a previous question where an expert shared that since my car was totaled and ... A: I'm not sure who answered your question or what they said, but I will do my best to answer. If you ...
COVERAGE	8/28/2009
Q: i PURCHASE NJ AUTO INSURANCE ON 3/26/09 AND THE AGENT STATED THAT HE HAD TO USE THE ADDRESS ON MY ... A: The answer to your question is yes, however, they will contend that they are only required to send a ...
Can I demand reimbursement of medical bills before settlement?	8/28/2009
Q: I submitted a demand letter but the at-fault car insurance counter offer low. However, it is still ... A: The insurance comapny will not pay your medical bills until a final settlement agreement is made and ...
Stolen Auto Claim/Value given less than what is owed	8/27/2009
Q: On 7/28 my vehicle was stolen, involved in a collision after a high speed chase by police, and ... A: The insurance company is responsible for paying the actual cash value of your vehicle, not the ...
car accident	8/27/2009
Q: How can I prove to my insurance company that I am not at fault in a car accident that I recently ... A: Unfortunately, in this situation it is your word agains the other driver word. The police report ...
no fault accident with no insurance	8/26/2009
Q: I was invovled in an accident that a car merged back into my lane without signaling which caused my ... A: Since there was no insurance coverage on the date of the accident, you will not have any coverage ...
Adjuster Limits	8/26/2009
Q: I have filed my own 'demand letter' in a personal injury claim. The adjuster has informed me that ... A: There is no way to know. Each company has its own guidelines regarding adjuster authority limits. It ...
Car Accident while running work errand	8/25/2009
Q: We live in Michigan and my son was involved in a car accident while running an errand for his ... A: Unfortunately, your son will not be entitled to anything from his employer. Regardles of the fact ...
Car insurance interstate coverage policies	8/25/2009
Q: A New Jersey licensed insured driver domicilied in New Jersey will be driving her parents New York ... A: The New Jersey person should be added to the New York Policy. In most cases you can loan a vehicle ...
re: third party claim in CT	8/25/2009
Q: I live in VT, the accident was in CT, and the policyholder's home state was IN, insurance co is ... A: Although small claims court may be an option, the process coult take some time. It may be as much as ...
re: third party claim in CT	8/24/2009
Q: I live in VT, the accident was in CT, and the policyholder's home state was IN, insurance co is ... A: Hanover is a rogue insurance company that has no respect for anyone. They try to ram down your ...
who's fault?	8/23/2009
Q: im from 2way stop sign.and there a pick up truck in my left side that park about 5 meters in my ... A: Even though the pick up was blocking your view, this will be considered to be your fault. The other ...
injuried in a car accident	8/23/2009
Q: I was in a car accident in August 2008, where the other driver tried to bet the light and ran into ... A: I'm very sory for your ordeal. When a person buys auto insurance they decide how much coverage to ...
Property Damage Settlement	8/22/2009
Q: My truck was considered totaled by the other drivers insurance company and I was not at fault. Can I ... A: When an insurance company makes a claim settlement on a totaled vehicle it is on the basis that they ...
3 car collision	8/21/2009
Q: My wife was was in an accident on the freeway in utah. The person in front of her slammed on their ... A: Since you have no collision coverage you will have to pay for the front end damage. The person whe ...
No Such Thing?	8/21/2009
Q: You made a statement in an answer that there is "no such thing as an average cost to repair...". ... A: I'm not sure where your sense of outrage comes from. If you had provided me with the full question ...
How an adjust determine a car is recoverable	8/21/2009
Q: My car is stolen and found front end totally stripped. The adjuster told me that the car is worth ... A: Most insurance companies will declare a car, light truck, or SUV to be a total loss when the ...
car stolen, vandalized, then torched.	8/20/2009
Q: On the 9th of this month my car was stolen then believed to be vandalized and then torched. My ... A: The only thing that matters is that it is now totaled. Read the following to learn about the total ...
Not going through insurance.	8/20/2009
Q: The short story: My roommate's husband was backing up and bumped into a van. The van had one scratch ... A: The statute of limitations in most states is at least 2 years. So the other party has at least 2 ...
geico dual claim accident	8/19/2009
Q: I was involved in an auto accident with another driver that is also insured by geico. I was going ... A: Unfortunately, in this case I think you will have to accept their decision. It is true that the ...
how to fight the insuance company	8/18/2009
Q: i bought a 2008 kia spectra about a year ago. it has 22000 miles on it my husband had a wreck that ... A: Unfortunately, the decision to repair or total the vehicle is solely up to the insurance company. ...
Deliberate Delay?	8/18/2009
Q: I had a relatively minor rear end accident (other driver was at fault). I had two months of ... A: Yes this is part of the game. Although, they do need to review the file and the medical records. ...
theft recovery	8/18/2009
Q: i feel a little strange asking this to an expert, but i have never had a car stolen from me until ... A: I will try to answer your questions in the order you asked them. 1) No. You should let the ...
3rd party insurance and lienholder	8/17/2009
Q: I live in Texas and I read on your site that states Texas is one of a few states where 3rd party ... A: It has nothing to do with the size of the claim. Texas law requires insurance companies to protect ...
Driving a car with no insurance	8/15/2009
Q: In the state of PA, If there are two names on the tittle to a car and the primary title holder takes ... A: Regardless of ownership if you are driving a car with no insurance then you will receive a citation ...
parking lot - dual backup accident	8/15/2009
Q: My husband was in a parking spot preparing to back up. A vehicle passed him and my husband observed ... A: Actually, I would have to say I agree with the liability decision. The driver backing out of a ...
Co-worker won't give me her insurance info	8/14/2009
Q: A co-worker wants to pay me cash for damage she did to my parked car at work. I took it to a body ... A: You will need to have a copy of the estimate from the body shop as well as a print out of the cost ...
Hit and Run	8/14/2009
Q: several days ago I was leaving a crowded parking lot. As I was pulling out an angry man came and ... A: You should very carfully look over every detail of your vehicle to see if there is any damage, scuff ...
Claims Process: Injury Settlement	8/13/2009
Q: I recently arrived at a settlement value for a minor, not-at-fault auto case, and have just received ... A: I'm not sure why the adjusters settlement limit is important to you, but yes an adjusters level of ...
damange	8/13/2009
Q: Someone is saying that my car was reported in a minor collision. But that was not me. My car was ... A: There is no way to know what will happen until it happens. If someone contacts you and says that you ...
law suet	8/12/2009
Q: daughter had an accident in my car that was insured by LMutual. she and I were also insured by ... A: I'm not sure what your question is but I will do my best. I do not understand how your property ...
Rear Ended in a Carwash	8/10/2009
Q: We live in Illinois outside of Chicago. My wife was rear-ended in a car wash causing $600 worth of ... A: Unfortunately, in this situation it is a he said, she said. About the only thing you can do is to ...
coverage	8/8/2009
Q: Had a truck registered to me (mom). Son was listed as driver of the truck on my insurance policy. ... A: There are many things wrong here on many different levels. If your son is under 18 years old, you ...
auto insurance syrcharges	8/7/2009
Q: Can you tell me how the insurance companies go about calculating a surcharge? I have a claim for ... A: There is no set method. Each company determines its own method of determining claim surcharges. For ...
property damage	8/6/2009
Q: In California., is there a dollar amount of a claim for collision damage below which an auto insurer ... A: Claim surcharges are different from company to company. The insurance companies set there own ...
covered or not?	8/6/2009
Q: I live in Florida and sold my car a while ago and have no insurance now. I do have a Florida license ... A: If you live with your girl friend or if the vehicle is made available for your regular use, there ...
What about Passenger Rights	8/6/2009
Q: Passenger rights with personal injuries. I was a passenger in a Taxi. My driver not at fault. At ... A: Generally no. Injury settlements are normally done as a one time lump sum settlement when all ...
Hoe to determine Value	8/5/2009
Q: What Value does the insurance Co go by to determine value- Private party, Trade in or Dealer retail? ... A: It is a combination of all of them. However it is not determined by using Kelly Blue Book or any ...
who's at fault	8/5/2009
Q: My husband was involved in an accident where he was traveling east on a two way highway when he hit ... A: Although it sounds crazy, your husband is required to always be in control of his vehicle. Although ...
Rear-End Accident Liability Determination	8/5/2009
Q: I was involved in a rear-end and a hit-and-run collision. I was the driver of the car that hit the ... A: The decision to settle the claim is solely up to your insurance company. You can provide the details ...
bodily injury claim	8/4/2009
Q: I was involved in an accident at no fault to me. The other driver decided to make a right turn from ... A: When there are no actual injuries it is typical for an insurance company to try to offer a small ...
Don't agree with insu. company	8/4/2009
Q: I was in a car accident last Tues.. The insurance totaled my car. All they want to give me is ... A: You do not have to accept what the insurance company is offering. However, it will be up to you to ...
Totaled My Car...Is this my fault?	8/4/2009
Q: So I was traveling in the right hand lane of interstate 80 and some guy came off the on ramp and ... A: The ultimate decision as to who is at fault will be up to the insurance claims adjusters. They will ...
Rear End Collision	7/29/2009
Q: I was rear-ended while sitting at a stop light last week. The woman who rear-ended me has now told ... A: Yes. You can take her to court. However, before going that far, if he company tries to deny your ...
Dooring Collision	7/29/2009
Q: This accident happened in Washington DC. The passenger-side door of a standing taxi-cab suddenly ... A: This accident is not your fault. A person exiting a taxi is supposed to exit on the curb side of the ...
Subrogation	7/28/2009
Q: I filed a collision claim with my insurance. I have not got the recovery of my deductible yet. My ... A: There is no absolute answer. It depends on the two companies. Sometimes they agree and all is ...
UIM	7/28/2009
Q: "Hello, I am a rated driver on my fiance's insurance policy. I am on the policy and have been for ... A: Generally, uninsured motorist coverage protects you from an uninsured or underinsured motorist if an ...
Negotiating over the BI limit (in an auto-accident claim)	7/28/2009
Q: What if the INITIAL offer made by the insured's claims adjuster already reached the bodily-injury ... A: You can not get more than the policy limit from the at-fault party's insurance company. It's like ...
2 cars reversing in parking lot	7/27/2009
Q: My husband reversed in a store parking lot at the exact same moment as a woman was reversing out of ... A: Your husband needs to call his insurance company and vigorously object. This accident should have ...
Subrogation	7/27/2009
Q: I filed a collision claim with my insurance. I have not got the recovery of my deductible yet. My ... A: Subrogation simply means that your insurance company assimes your right of recovery from the other ...
Parking Garage Liability	7/27/2009
Q: I pay monthly to park in an enclosed parking facility near work. The garage notified all monthly ... A: If there is a contract between you and the garage, it likely spells out what they are and are not ...
Rear End Collison	7/26/2009
Q: My son was in the #1 lane following a large SUV. Traffic is traveling at normal speed. Suddenly the ... A: It is very rare that when you rear end someone that the other vehicle would be considered even ...
car insurance for a new car	7/25/2009
Q: I know this is horrible, but I haven't had car insurance for at least four years now. I want to buy ... A: Yes it is horrible. When you do not have insurance, you risk the financial future of everyone you ...
Self Repair	7/24/2009
Q: I had an incident where I backed into a car parked outside my driveway - there was no damage to my ... A: Regardless of if he repaired the car himself or not, the insurance company owes hin for the ...
uninsured accident	7/24/2009
Q: i have a question i was involved in a accident and the other party did not have insurance will my i ... A: If your insurance company pays to repair your car when someone else was at fault for the damage, ...
UIM	7/24/2009
Q: I have just opened un underinsured motorist claim with my insurance.I was involved in a ... A: You would handle the UIM claim just as if you were dealing with the other persons insurance company. ...
Lawyer and insurance claim	7/23/2009
Q: In 12/2008 my vehicle was rear ended on the expressway. My husband who was the driver of our car was ... A: It is not unreasonable that it has taken 6 months. Obviously the insurance company is trying to ...
dealing with insurance company for personal injury in car accident	7/23/2009
Q: I was in a car accident (hit from behind due to faulty brakes of the other driver) over three years ... A: Unfortunately, you received some bad information or advice from someone. The 3 year limitation is ...
Insurance Company Legal Responsibility	7/22/2009
Q: Richard, I currently have an auto claim against Allstate. Actually,it has been in process for nine ... A: I will try to answer in general terms. If you had provided more specific information, I may have ...
closing a claim	7/21/2009
Q: I was in an accident on 10/23/07 where my brake pads came unglued (mechanical failure) and I ... A: Unfortunately, this situation could be tied up in the courts for years. I have never heard of an ...
Parking lot collision	7/20/2009
Q: I was pulling into a parking space earlier today and as I did the driver next to me opened his car ... A: There is no standard procedure in this instance. The claims adjusters will take recorded statements ...
accident backing out of driveway	7/20/2009
Q: My Husband was backing out of our driveway and hit my neighbors drivers door. My neighbor was ... A: Your husband would be considered to be at fault. When backing out of a driveway on to a road you ...
How does liability effect on the payments?	7/20/2009
Q: I have a new question how to recover the deductible if two drivers share liability. Take an example. ... A: Your insurance policy does not cover personal items in your car. If you had personal items damaged ...
How does liability effect on the payments?	7/19/2009
Q: I have a new question how to recover the deductible if two drivers share liability. Take an example. ... A: If liability is 50/50, you should let your own insurance company pay for the damage to your car. So ...
How two insurance make payments after sharing liability?	7/17/2009
Q: Assuming the liability is 50/50, does it mean the other car insurance pays 50% and its own insurance ... A: It would depend on your state. In some cases each insurance company would pay 50% of the others ...
How do two insurance determine the liability?	7/16/2009
Q: Can you explain the procedure or process of the determination of the fault or liability between two ... A: The insurance adjusters at each insurance company will take a recorded statement from each driver. ...
Third party insurance claims	7/15/2009
Q: I live in Chicago,IL. I was hit by a taxi cab while riding my bicycle. I suffered no injuries, but ... A: You simply call the insurance company and make a claim. They will take a statement from and will ...
car collision	7/14/2009
Q: I was involved in an accident and was wondering the fault of the accident. I was on a 3-lane ... A: Based on your description, it sounds like liability will be decided to be 50/50. Since the other car ...
car rental re imbursements	7/14/2009
Q: I purchase a vw jetta march 3, 2008, and i has full coverage insurance with lincoln general. On ... A: You should call your insurance company again. Most policies cover a temporary replacement vehicle ...
car rental re imbursements	7/14/2009
Q: I purchase a vw jetta march 3, 2008, and i has full coverage insurance with lincoln general. On ... A: You had an obligation to mitigate your damages. That means to minimize. You should have turned the ...
Restore a car to original condition – used or new bumper?	7/13/2009
Q: My vehicle is less than 2 years old and still under the warrenty. The rear bumper was partially ... A: Unfortunately, in most states, once a vehicle is either 1 year old or has more than 12,000 miles the ...
Faulty evasive action	7/13/2009
Q: Richard, About two weeks ago I was in an auto accident while on the highway. I was in the inside ... A: I can not say why the police officer wrote what he wrote. However in monst cases when there is no ...
First accident	7/13/2009
Q: I live in Colorado and I was recently in an accident. I was attempting to switch lanes and the car ... A: Unfortunately, the phantom driver thing will not apply in this case. You attenpted to change lanes ...
Rental Car Claim	7/12/2009
Q: Policy Effective: 11/30/2008 Policy Canceled (Insured Request): 2/11/2009 Date of Loss: 1/19/2009 ... A: Yes. You should have an atttorney. He will need to file an answer to the suit. The attorney will ...
Vehicle to pedestrian accident	7/11/2009
Q: How do I best present my case to the insurance company and how long do I wait to try to settle? At ... A: You will need to develope a "Demand Package". This is essentially a letter that first outlines the ...
Sue Driver in Small Claims Court?	7/11/2009
Q: I was rear-ended recently. After hitting me, the driver pulled away from the scene. When the cops ... A: You would file suit against the driver in the caounty where he lives. If you win your case you will ...
Rental Car Claim	7/11/2009
Q: Policy Effective: 11/30/2008 Policy Canceled (Insured Request): 2/11/2009 Date of Loss: 1/19/2009 ... A: You should immediately file a complaint with the NY state insurance department. The insurance ...
police reports	7/10/2009
Q: A man pulled out in front of me causing me to hit him. He got the ticket because he did not look ... A: You can certainly ask the police officer to change the report, however, in most cases the insurance ...
Auto Adjusting	7/10/2009
Q: Hixenbaugh. I am a property adjuster and have been for a little over 3 years. My experience has been ... A: After many years in auto adjusting I can not for the life of me understand why you would want to go ...
Minor accident	7/9/2009
Q: Here my question. While driving down a one way street with cars parked on both sides, a women ... A: The vehicle traveling on the roadway has the right of way. The vehicles parked on the side have a ...
Not at fault accident without insurance?	7/9/2009
Q: I was involved in an accident yesterday in which I was not at fault, the other driver failed to ... A: All you need to do is call the at-fault drivers insurance company to report the claim. Since their ...
auto claim	7/8/2009
Q: i didn't even think about deminished value thanks for the tip but where is a family practice that ... A: Unfortunately, that is something I can not help you with. If your injuries are back & neck related, ...
injury claim on "private property"	7/8/2009
Q: I was exiting a parking lot edging forward to get on to the main road when I hit the side of a van ... A: You should not tell your dads insurance company that you regularly drive this vehicle. Since you do ...
Stolen vehicle, drunk driver crash	7/6/2009
Q: Who has to pay if you are hit by a habitual drunk driver in a stolen car? He is my sister, injuring ... A: The insurance for the car that was stolen will not pay for any damage that the theif caused. Any ...
At fault driver in rental car	7/5/2009
Q: I let another driver use my rental car. The driver was coming out of a restaurant's parking lot ... A: If the person you loaned the rental car to was not listed on the rental contract as a driver then ...
Hydro-Locking	7/4/2009
Q: I was unfortunate to experience hydro-locking on my 02 Corvette in the state of Florida. After ... A: Unfortunately, you have no choice. Florida law allows the insurance company to specify used or ...
demand letter	7/4/2009
Q: I sent a demand package to an insurance company. I gave them 30 days to respond and would like to ... A: If they don't respond, you should call them to be sure they received your package and if they did to ...
claim payment for leased car	7/4/2009
Q: I have a close friend that wanted to get out of a lease for a car but they weren't able to so I took ... A: The insurance company is required to protect the interests of the lienholder. The best thing to do ...
Accident Report to DMV	7/3/2009
Q: I was involved in an accident, when my car hit a light pole on a town street. Except for the pole ... A: You would simply tell the truth. Explain what damage occured to the light pole. The purpose of the ...
Accident Report to DMV	7/3/2009
Q: I was involved in an accident, when my car hit a light pole on a town street. Except for the pole ... A: Each state has different requirements as to when a driver needs to file an accident report. If there ...
Liability coverage	7/2/2009
Q: I live with my mom. I drive her car. i am on the policy as an additional driver. The car title is in ... A: In most cases no. If you are 18 or over and the accident is your fault, then the liability would ...
demand letter	7/1/2009
Q: based on every injury in the letter do u think i am asking for enough compansation????TO Courtney ... A: It would be hard for me to say because I do not have access to all of the detailed medical records. ...
auto accident	6/30/2009
Q: i was involved in an auto accident last week a girl ran a yield sign and hit me she has not yet ... A: There is no real time limit, but you should do it as soon as possible. Call her insurance comapny ...
who is at fault	6/28/2009
Q: i was in a traffic collision when a vehicle failed to stop at a stop sign the police report states ... A: Unfortunately this is legal. The insurance company is just trying to find a way to steal your money. ...
3 year old accident bill.	6/27/2009
Q: I was i an accident 2 years ago. I was hit but since PA is a fault state, the accident was ... A: This is an unfortunate situation. However, it will be up to you to unwind whatever has happened. You ...
Policy Limits and injuries	6/26/2009
Q: I was injured in an auto accident, other person was 100% at fault, no insurance. So my uninsured ... A: All you can get from from your uninsured motorist coverage is the policy limit. If your case goes to ...
Q	6/24/2009
Q: I have a car that I want to sell. The title and insurance are under my ownership. A relative of mine ... A: If the vehicle stays in your name then you also must be on the insurance. There is no way to legally ...
after the fact police reports	6/24/2009
Q: So two days ago, I was making a right hand turn onto a parallel street. About half a block from ... A: Under the circumstances you will have no choice but to pay for the damage. If you file a police ...
A question pertaining to taxes/registration	6/19/2009
Q: I would like to apologize in advance for asking a question that may not apply to your expertise, but ... A: Unfortunately, you are correct. This is not my area of expertise. But I will do my best to help. ...
My insurance claim	6/19/2009
Q: My 1989 Toyota Camry was recently stolen and quickly recovered the following day, from CHP of course ... A: Financial Total Loss Most insurance companies will declare a car, light truck, or SUV to be a total ...
FORCED "TOTALING" OF AUTO	6/18/2009
Q: After an accident my son's insurance company informed him that his auto was totaled and offered him ... A: In most cases the decision to repair or total a vehicle is totally up to the insurance company. They ...
Betterment in Texas	6/18/2009
Q: I googled betterment laws in Texas and i found that their were court cases which prevented auto ... A: I am not familiar with the cases you mentioned. In most cases an insurance company can take ...
insurance settlement	6/18/2009
Q: If I wrecked in Kentucky and was injured and the insurance company is in west Virginia, and the ... A: No it is not too late. In most states the statute of limitations is at least 2 years. In many states ...
Roomate needing Auto Insurance	6/17/2009
Q: I am a student living with my girlfriend. She owns a car and I do not. When getting insurance for ... A: The information originally given by State Farm was wrong. Virtually all insurance companies require ...
PI Claim	6/16/2009
Q: Auto Accident in MD. I was passenger in a DC taxi. Taxi not at fault. I sustained PI and PD. Who ... A: The good news is that you have uninsured motorist coverage. Unfortunately, the PIP coverage added ...
Accident Fault different between Police & Insurance Co.	6/16/2009
Q: My daughter was recently in an accident. She was traveling along an interstate and could not avoid ... A: There can be a difference between what the police deternmine and what an insurance company ...
inner structural damage	6/15/2009
Q: We were just advised that our Jeep sustained inner structural damage to the core supports, radiator ... A: The structural damage to your vehicle can be properly repaired. It is your responsibility to be sure ...
Cancelled Policy	6/15/2009
Q: I recently read that the insurance company is required to notify the lein holder of a cancelled ... A: Unfortunately I am not specifically aware of specific Texas law. You may try to contact the Texas ...
total loss question	6/14/2009
Q: My car was wrecked by another car and I'm getting my settlement soon (settlement is far less than ... A: When an insurance company settles a total loss claim they are actually buying the car from you. You ...
Stolen car recovered after paymnet.	6/14/2009
Q: My car was stolen in march, I filed a claim, waited 30 days and my insurance co. sent me a check. I ... A: Yes. The car is now the property of the insurance company. However, you will want to be sure that ...
permissive user by definition	6/12/2009
Q: I am a claims rep and got a quest from 3rd party clmt. I have a claim in which the named insd let ... A: In 22 years in the business, I have never heard of liability coverage limits being reduced because a ...
Betterment deduction	6/12/2009
Q: I am in Texas and I have a 98 honda civic and it was hit by another car on 16, 2009. The other ... A: What they are trying to do to you is completely wrong. Betterment is only to be taken on parts that ...
Auto fender bender	6/12/2009
Q: I was in a little accident, where a driver rear ended me on the highway. The damages were minor, ... A: About the only thing you can do is to send him a letter by certified mail/return receipt requested ...
Claim Procedure	6/11/2009
Q: I was injured about 10 months ago while walking during my lunch break. Most of my medical bills ... A: If their are too many dates to list individually, you may want to just group treatment dates by ...
Claim Procedure	6/10/2009
Q: I was injured about 10 months ago while walking during my lunch break. Most of my medical bills ... A: I'm glad you're feeling better. You can include all of the medical records and bills with your ...
Hit & Run Fraud	6/10/2009
Q: I was on the phone with my fiancee' while he was driving home one night and a guy pulled up on the ... A: This is a very unusual situation. Since you do not have comprehensive and collision on your policy, ...
insurance claim	6/10/2009
Q: I recently opened a claim for my vehicle where my insurer told me that the damage was 80% of the ... A: Virtually all insurance comapnies will declare a vehicle a total loss if the cost of repairs is 70% ...
No Fault Accident / Under DUI Limit	6/9/2009
Q: Richard: I made a right turn at a corner. As I proceeded, the other party pulled out of a Market ... A: What's done is done. The statement you gave was recorded so it will not do any good now to call and ...
Diminished value- GA	6/9/2009
Q: Two of the vehicles are newer cars 2008 and 2006 with approx. $4k damage each - We are in GA and ... A: You are entitled to be paid for the diminished value of your cars. You will need to hire a local ...
Passenger in Taxi/PI/Both vehicles have minimal coverage	6/8/2009
Q: My medical bills are now $20000 and climbing. Surgery next month. I have attorney. Taxi driver not ... A: Your attorney should be explaining all this to you. Since the other 2 insurance policies have ...
Hit & Run	6/8/2009
Q: my boyfriend recently got into an accident with my car. He was hit by a car that was reported ... A: Don't waste your time fileing a law suit. The person who owned the car that hit your car is not ...
No Fault Accident / Under DUI Limit	6/7/2009
Q: Richard: I made a right turn at a corner. As I proceeded, the other party pulled out of a Market ... A: The fact that you had a couple of drinks is not an issue. Since you submitted to the sobriety test ...
Bodily Injury Claim w/ Allstate (other party's at-fault) Claim too low???	6/2/2009
Q: On September 16, 2008 I was at a light on the highway and my 03 Honda Accord was rear ended by a ... A: Not being fully aware of all of your case file, it is hard for me to make specific recommendations. ...
Bodily Injury Claim w/ Allstate (other party's at-fault) Claim too low???	6/2/2009
Q: On September 16, 2008 I was at a light on the highway and my 03 Honda Accord was rear ended by a ... A: First, you must understand that the insurance adjuster has absolutely no interest in fairly and ...
3rd party accident claim.	6/2/2009
Q: I was rear ended on May 19, 2009 while sitting at a stop light. The police officer who filled out ... A: Most states require that the claim be investigated, liability determined and they either pay or deny ...
3rd party accident claim.	6/1/2009
Q: I was rear ended on May 19, 2009 while sitting at a stop light. The police officer who filled out ... A: It sounds like you are dealing with a rougue insurance company. Some companies will do this to force ...
Coverage for teen driver	6/1/2009
Q: We have a daughter who will soon turn 16. We're trying to figure out what would be the least ... A: Unfortunately there is no inexpensive way to do this. Most insurance companies will require that ...
who is at fault?	5/31/2009
Q: my partner and i were having a very heated argument, i got into my car 2 leave. he called 2 his ... A: There is not much to say here. You will just have to report the incident to their insurance company ...
Pain and Suffering Claim	5/30/2009
Q: A few months ago my wife and two kids were involved in a RTA due to a vehicle failing to stop. Our ... A: The offer on the kids does seem fair. The offer on your wife does not. You can reject their offer ...
69 mustang rear ended	5/29/2009
Q: "Hi, the other day I was rear ended while driving my 69 mustang coupe, and the car was totaled. ... A: My first car was a '69 Mustang convertible. So my first thought is you need to kill the person that ...
Claim	5/29/2009
Q: My car was hit by another car last week and my rear passenger door got damaged. The other driver ... A: Insurance companies will always write a low estimate. They assume you will never get the vehicle ...
Transition from personal lines claims to auto general liability claims	5/28/2009
Q: I have over 20 years experience handling personal lines bodily injury claims with an emphasis on ... A: With your described back-ground you should not have any problems. There are no significant ...
Insurance company hires outside atty	5/28/2009
Q: I was rear-ended at a stop light and injured my hand badly. My claim was first handled by an ... A: That does shed a new light on things. In that case you may be actually be dealing with an attorney. ...
Insurance company hires outside atty	5/28/2009
Q: I was rear-ended at a stop light and injured my hand badly. My claim was first handled by an ... A: First of all, unless you have files a law suit you are likely not dealing with an attorney. The ...
being sued because police report was wrong	5/27/2009
Q: Almost a year ago i was involved in an accident where i was in the turn lane to go left and both ... A: Under the circumstances and considering it has been over a year ago, you will likely not be able to ...
I hit someone who is uninsured in Minnesota	5/26/2009
Q: I recently hit someone in Minnesota. I know that the insurance follows the vehicle (if there was ... A: The fact that the other vehicle was uninsured is irrelevant. As you stated, you hit the other ...
Rental's insurance claim	5/26/2009
Q: I was involved in an accident where there was no contact between the two cars and only vehicle ... A: There is likely nothing you can do. People do make mistakes. Often people get new insurance cards ...
rental car unauthorized driver accident	5/25/2009
Q: I rented a car in NY state and let my daughter drive unauthorized (close to midnight, the ... A: You are directly responsible to the rental company since you signed the rental contract. The ...
California	5/25/2009
Q: I would appreciate your advice on following: It was stupid I know but I helped my ex Girl Friend to ... A: Technically it is possible. However, I do not think it would ever happn. She is also an owner of the ...
Rear bumper damage	5/25/2009
Q: i was rear ended this friday and have damage to my rear bumper. it is about 2-3 ft crack. i quickly ... A: Don't worry about anyone "closing the case". There is no such thing as a closed case unless you sign ...
Rear Ended a Rental	5/24/2009
Q: I rear ended a rental car 2 months ago, and just received a letter saying that I owe the rental car ... A: If they are charging diminished value, then the car was not totaled. When a vehicle is damaged and ...
Rental's insurance claim	5/22/2009
Q: I was involved in an accident where there was no contact between the two cars and only vehicle ... A: If the other driver will not cooperate and give you his insurance information then you will have to ...
California	5/22/2009
Q: I would appreciate your advice on following: It was stupid I know but I helped my ex Girl Friend to ... A: If they will not cooperate there is not much you can do. As I suggested before, you should at least ...
Auto Claim	5/21/2009
Q: My vehicle was involved in a wreck about a year and 1/2 ago. A friend of mine was driving. The ... A: This is a problem. You will need to fight this on two fronts. First, you need to send a letter to ...
UIM	5/21/2009
Q: I know I can use my UIM benefit as a pedestrian however, can I use my employer's UIM also? I was ... A: Since this is being considered a "work related" injury and is being covered by workers comp, you ...
Claim Settlement	5/21/2009
Q: Good Afternoon! I was involved in a car accident in August 2007 in which I was not at fault. Since ... A: You should not lump your claims together. These are tw seperate issues. First, your injury claim ...
a church bus hit our car	5/20/2009
Q: Sunday a church bus hit our car that was parked on our street we we're not in it. They told us to ... A: Don't let the insurance company bully you. It is not up to them to "not like the quote". It costs ...
hit & run accident auto claim w/ attry	5/20/2009
Q: I was run off the center lane while driving the posted speed limit on I95. The vehicle that hit me ... A: Despite your initial feeling that USAA was a good company, ALL insurance comapnies are snakes that ...
backing into son's parked car in my driveway	5/20/2009
Q: My son who is 23 returned to live with me while attending school. I, his mother, backed into his ... A: There may be partial truth in what the adjuster told you. However, this is generally only the case ...
Auto Insurance Claim Paid Out on Fraudulent Title	5/19/2009
Q: I made a loan to a vehicle owner, and I am listed as the lien holder on the title (which was ... A: Unfortunately, the insurance company is correct. It was your responsibility to make the person your ...
Procedure.	5/19/2009
Q: The adjuster of the liable party is requesting all records that are relevant to the accident. He ... A: The insurance company will require all medical records pertaining to your claims associated with the ...
Motorcycle Passenger Liability Coverage	5/19/2009
Q: While driving my motorcycle with my wife, a tire rim came toward us in the other lane (where is came ... A: Unfortunately, they are correct. You were not at fault. The liability is with the person who lost ...
Auto Insurance - Non Accident Auto Repair	5/18/2009
Q: I'm curious, My car gives me alot of problems. There is couple of things I have to do to my car to ... A: Auto insurance does not cover mechanical breakdown. Depending on the age and mileage on your vehicle ...
Auto accident while working	5/16/2009
Q: Today I had an auto accident. I was going to the bank for my work. It is part of my regular duties. ... A: No. Your employers insurance does not cover your car. It would be your own insurance that would ...
value of personal injury claim	5/15/2009
Q: i was the driver in an auto accident. the other driver was cited for "failure to yield right of way" ... A: As best I can tell, the case you cite is related to insurance company solvency in the state of ...
Need Insurance Help!	5/15/2009
Q: I was driving in traffic on the highway when it came to a stop. It wasn't a sudden stop, it was a ... A: There are a few things you can try: 1) Send the body shop estimate to the insurance company telling ...
accident while unisured	5/15/2009
Q: theres two lanes on the onramp to the freeway, one is carppol one is not. its 1000 pm and a suv ... A: You will have to contact her insurance comapny and file a claim. Be prepared for the fact that she ...
How long to wait?	5/14/2009
Q: I was in the parking lot of store, where a backed up and hit somebody. There is no damage to my ... A: The police report should show the other driver name and address. You should send him a brief letter ...
Auto accident personal injury question	5/14/2009
Q: In August I was rear ended as I sat at a stop sign. Twice. The driver hit me, knocked me forward, ... A: Insurance companies will always try to minimize the claim by making these type of claims against ...
possible fraud	5/13/2009
Q: Involved in an accident other party at fault. Nationwide informed us that our vehicle had been ... A: Generally, for a vehicle to be declared a total loss, the cost of repairs would exceed 70% of the ...
possible fraud	5/13/2009
Q: Involved in an accident other party at fault. Nationwide informed us that our vehicle had been ... A: If, as you said, after the vehicle was repaired it was inspected by the state, that would mean that ...
Improper Cancellation/amendment	5/12/2009
Q: A married couple is going through a separation. They agree to share bills and keep policies in place ... A: In most states, a husband and wife are considered to be a single entity. This means that either ...
What kinda law is this?	5/12/2009
Q: Because I did not have collision on my insurance, I am responsible for all the headaches. According ... A: It is possible that this is true. Some states have very low liability insurance limits and those ...
liability?	5/11/2009
Q: Richard, I was in a parking lot, approaching a left hand turn. I saw a vehicle coming (very fast) ... A: In 22 years in the insurance industry I have never heard the term "part forms". What he likely meant ...
Local Market Definition	5/11/2009
Q: When ACV determinations are made for personal auto claims, is there a definition set by law such as ... A: I do noy know what the standard is in Florida. You can contact your state insurance commissioners ...
rental loss of use	5/10/2009
Q: My credit card company will not pay for "loss of use" in a rental car claim unless they receive the ... A: Insurance companies will generally deny loss of use claims by rental car companies unless the log is ...
Local Market Definition	5/10/2009
Q: When ACV determinations are made for personal auto claims, is there a definition set by law such as ... A: Each state has its own definition of "local market". In some states it is within 50 miles of the ...
Auto Med Pay - Calif. resident	5/9/2009
Q: In auto accident and other driver responsible and has liab. insurance. My hospital e.r. bill will be ... A: If a late bill comes in your carrier will still have to pay it. As far as subrogation goes, ...
RENTAL CAR CLAIM	5/9/2009
Q: a year ago I was on vacation with my girlfriend in Las Vegas. We rented a car to drive to grand ... A: I really do not think so. However the only way to know for sure is to ask. You should go ahead and ...
Motorcycle insurance claim timeline	5/8/2009
Q: So I took my motorcycle to a local shop to get some work done. Two days later they call me to tell ... A: Generally, claim should be paid within 30 days from the time it was reported. You need to call the ...
Hit by driver. USAA investigating coverage. Question on deductible	5/7/2009
Q: I was hit on saturday by a guy insured by USAA. He hit me in the back and our stories match up so ... A: Taye, You are entitled to be paid for a rental car from the date of the accident until the repairs ...
Insurance will not pay on	5/7/2009
Q: My husband was in a motorcycle accident on 5/3. His was the only vehicle involved, he hit a rock or ... A: If as you say, all of the dealers are stating that the parts in question are not aftermarket, but in ...
Insurance will not pay on "aftermarket" accessories which are actually stock parts	5/6/2009
Q: My husband was in a motorcycle accident on 5/3. His was the only vehicle involved, he hit a rock or ... A: Unfortunately, full coverage is not always full coverage. Insurance companies determine the rate for ...
California "Co-Buyer" Insurance Liability	5/6/2009
Q: I would appreciate your advice on following: It was stupid I know but I helped my ex Girl Friend to ... A: Your renters insurance will not provide any protection related to your car. As the owner of the ...
Tow Damage To 2004 VW	5/5/2009
Q: My auto/tiptronic transmission VW Beetle was towed off the street several miles to the tow yard. ... A: You need to find a local expert mechanic that can determine what is wrong with the vehicle, write an ...
PIP coverage	5/5/2009
Q: our 19 year old son was in a motorcycle accident this past week. A car pulled out in front of him ... A: I am not specifically familiar with Utah insurance law. However, in states that I am familiar that ...
Auto Insurance Industry Data	5/4/2009
Q: I'm looking to obtain information that reveals the driving behaviors that are of most concern to ... A: There are several organizations that collect such data. At the moment the only one that I can think ...
State Farm Denied my claim	5/4/2009
Q: I got rear-ended a couple weeks ago, on my way to the oral surgeon. It was a very small bump, but it ... A: Unfortunately the insurance company gets to decide if their client is at fault or not based on their ...
The other party has the same Insurance as mine	5/3/2009
Q: During a hail storm, I got hit by a driver who wasn't paying attention and proceeded to change lanes ... A: Unfortunately, there is not much you can do. In your insurance policy it states that they will ...
Double Dipping in FL	5/2/2009
Q: Our insured driver was rear-ended. He was in the course and scope of his employment and filed a ... A: JoAnne, Unfortunately, I am not specifically familliar with w/c vs PIP coverage in FL. This is one ...
Car repair	5/1/2009
Q: my car was hit by a tree. The insurance company decided to fix the car. The first adjusters estimate ... A: If it was the claims adjuster that sent you to that body shop then they as well as the body shop are ...
third party insurance denies claim	4/30/2009
Q: I had auto accident two months ago. Police gave citation to other driver for following too ... A: This is a tough situation. About the only thing you can do is to file a law suit. If you can not ...
Ins. Claim 1 year after accident	4/29/2009
Q: about a year ago 5/2008 I was involved in a fender bender with another driver. I was parallel parked ... A: Not to worry. You should simply report the claim to your friends insurance company (at the time of ...
auto insurance liability	4/29/2009
Q: If the owner of a car is knowingly allowing an uninsured driver to drive their car, with the ... A: I'm affraid I do not understand your question, but I will do my best. Auto insurance follows the ...
Valet caused accident with my car	4/28/2009
Q: Last Thursday I drove over an hour on 3 different highways to pick up my mom at the airport. Once I ... A: I'm sorry you're having such an ordeal. The problem is going to be in proving that it was the kid ...
insurance claim	4/28/2009
Q: what is the process of a claim when it goes into the special investigations unit and how long does ... A: If this is a theft, fire or vandalism claim, it is given to the special investigations unit. Their ...
Glass Repair	4/26/2009
Q: last night my driver side window along with other neighbors was broken, nothing stolen. I would ... A: You need to call Ameriprise and inform them of the inferior work that was done at the place that ...
totaling a motorcycle??	4/26/2009
Q: My husband was recently in an accident while on his motorcycle. The accident was 100% the other ... A: Unfortunately, the decision to repair or total the bike is completely up to the insurance company. ...
Broken arm exiting own vehicle...	4/25/2009
Q: I have GEICO liability only coverage (California). I got out of my car rather quickly and stepped ... A: It does not appear that California has Personal Injury Protection (PIP) coverage available. It is ...
Rear-Ended	4/24/2009
Q: Shortly after an intersection with a green light, I was rear ended in the emergency pull off lane. ... A: Unfortunately, unless you have independent witnessess it is your word against the other drivers ...
Auto Loss of Use due to Bad Faith Offer	4/24/2009
Q: Our mini-van was totaled by an insured driver who ran a red light. He got the ticket and went to ... A: First let me say CONGRATULATIONS!!! It's great to hear when a consumer stands up for themselves and ...
Fighting over liability in car accident	4/24/2009
Q: I was in a car accident in which I was traveling west. I approached a large intersection with ... A: The police report is a tool but is not given 100% weight by a claims adjuster. Unless the police ...
Involved in a 3 car collision (I was the last car)	4/23/2009
Q: I was the last car in a 3 car chain collision. The events that occurred are as follows; I was ... A: You will be considered to be 100% at fault for the damage to the rear of the car you hit. Anytime ...
hail damage car insurance claim	4/22/2009
Q: My car has been deemed a total by my insur. I have Gap Insur also. I owe 11,200. to finance Co. for ... A: Unfortunately, insurance companies are not the big warm and fuzzie companies that their tv ...
girlfriends insurance company sueing me.	4/22/2009
Q: I was driving my girlfriends car June,08 when I was involved in an accident. I was charged with ... A: You should call the attorney and ask him why they are suing you considering you had permission to ...
Hit friend's car in own driveway when backing up	4/22/2009
Q: When my wife was pulling her car from Garage, she hit our friend's car that was parked in our ... A: You would simply call your insurance company to report the incident. This will be handled as a ...
Premium increase for property damage claim	4/21/2009
Q: I backed into a car at a very slow speed and scratched their car. We did not initially report the ... A: Each insurance company is different so I can not tell you what will happen in your case. You should ...
hail damage car insurance claim	4/21/2009
Q: My car has been deemed a total by my insur. I have Gap Insur also. I owe 11,200. to finance Co. for ... A: Once an insurance company determines a vehicle to be a total loss, there is not much you can do. ...
Debt contract insurance	4/21/2009
Q: On 2007 I bought a motorcycle in the State of Florida, Polk County. All payments were withdraw from ... A: First of all, you need to call them back and ask them to send you a copy of the full policy which ...
help	4/20/2009
Q: My car was parked outside of my house and go hit, I do not have insurance. The person who hit it ... A: If you know who it is that hit your car and you have their insurance information, then just call ...
repossession and no insurance	4/19/2009
Q: My car was repossessed and I did not have insurance. I do now and have the money to pay for the ... A: Unfortunately, I am not familiar with each states MVA regulations. You should call the loan company ...
car reck	4/18/2009
Q: hi i got into a car wreck 5 days ago i pulled out of a parking lot in the road was clear in a car ... A: The wreck will be considered to be your fault. Your insurance company will pay for the damage. This ...
crosswalk mistake	4/18/2009
Q: I hit a woman in a crosswalk i have been told even though i had the green i am in the wrong.I ... A: There is not much for you to do at this point. You need to be sure you report this to your insurance ...
Omni Insurance Claim Help	4/17/2009
Q: I need your help! I was rear-ended on April 1, 2009. We were nearly to a complete stop when we were ... A: You must understand that the insurance adjuster does not care about you or your claim. Only ...
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: It is not a law, but insurance companies are allowed to develope their own underwriting guidelines. ...
Insurance coverage for damage to company vehicle	4/16/2009
Q: An employee backing their personal vehicle hit their employer's vehicle that was parked in the ... A: To the best of my knowledge, the "regular use" exclusion would not apply in this case. The company ...
auto insurance	4/16/2009
Q: I drive a friend's car in MA occasionally and dented a car today. Will she be liable? I'm insured ... A: Auto insurance follows the vehicle and not the driver. So it would be your friends insurance that ...
adjuster dragging his feet	4/15/2009
Q: i was struck by a drunk driver in january 2008. the impact totaled my vehicle and caused injuries ... A: You have to understand that you are dealing with someone who is trained to delay, slow down, ignore ...
3rd party benefit to husband and son I was driver considered at fault	4/13/2009
Q: We were in an accident towing our trailer. Thank God there were only bumps and bruises. No other ... A: You do not need a lawyer. The claim for your husband and child would be paid from the bodily injury ...
Motorcycle accident,	4/13/2009
Q: i have a torn labrum, bone contusion, and bursitis in my shoulder, i am going to see a orthopedic ... A: You will be responsible for all of your medical bills as they are incured. The at-fault drivers ...
Insurance Claim	4/13/2009
Q: My insurance was cancelled a few days before I got in an accident. I was hit by a car and it made ... A: If you have the name of the insurance company then you just call them to report a claim. If you do ...
What is the procedure ?	4/11/2009
Q: It was rainy day. My car took skid on narrow lane where speed limit was 25, i was driving with 15-20 ... A: You will be responsible to pay the difference. You can set up monthly payment arrangements with the ...
Rear end collision from drag racers	4/10/2009
Q: my wife was involved in a rear end collision last week that involved her parents and our 1 year old ... A: The insurance company is required to provide you with comparable transportation. However, most ...
Sue insurance company?	4/10/2009
Q: About a month ago I was following a car down my road. He made a right onto a side street and came ... A: This is unfortunate but does happen often. You should send a letter to the Allstate Adjuster telling ...
MVI claim settlement	4/9/2009
Q: On December 26, 2008 my mother and I were hit head-on by a drunk driver. I was the passenger and ... A: The claim adjusters job is to delay, deny, postpone, lose things, ask for more things, etc. In ...
Hail damage-diminished value?	4/9/2009
Q: I have a new 2008 MErC C-300 it was damaged quite bad in the Hail storm. Because of my comprehensive ... A: Unfortunately no. In Texas you can not be paid diminished value under your own policy except for an ...
Insurance	4/9/2009
Q: My brother recently had a MINOR accident claim on his insurance (slid on icy roads into a Mercedes). ... A: Yes he needs to report the claim. The insurance company will report the claim to an inter-company ...
Potential lawsuit from other party's insurance company	4/8/2009
Q: hit me while I was stopped on a median waiting to proceed. I ended up being the one who got the ... A: You should not make any payment arrangements without the approval of your insurance company. You ...
Got sandwiched in multiple rear-end collision involving 3 cars	4/8/2009
Q: I was rear ended from behind and my car went forward and hit the car in front of me. I filed a ... A: You are correct. The car that hit you is responsible for all of the damage. Especially since the car ...
Potential lawsuit from other party's insurance company	4/7/2009
Q: hit me while I was stopped on a median waiting to proceed. I ended up being the one who got the ... A: If you have been determined to be at fault for the accident, you will be responsible for paying the ...
Secondary Insurance - Ohio	4/6/2009
Q: Two hours into our family vacation a deer strikes the corner of my 2009 car while my wife is driving ... A: Auto insurance follows the vehicle and not the driver. Your wife's policy does not cover her while ...
Risks of unathorized drivers driving rental car?	4/6/2009
Q: I'm wondering what the general risks are of having unauthorized drivers driving my rental car ... A: When renting a car, the ONLY people that are covered by insurance are those that are specifically ...
Car accident and Insurance	4/4/2009
Q: I have a car accident recently and got moderate damage to the left door and left fender and left ... A: Now you know from now on to never take your car to a body shop referred by an insurance company even ...
Auto accident info	4/4/2009
Q: he was at fault and my car was totaled. my first question is my car is only valued at 2000 and thats ... A: If you feel that the offer of $2000.00 is fair for your car, then you should accept the offer. ...
Son 's parked car hit	4/3/2009
Q: My son was parallel parked in a U shaped parking area. His friend was getting ready to get out of ... A: A car is considered to be a total loss if the cost to repair it is at or above 70% of the value of ...
Auto Claim-can I collect on parent's policy	4/3/2009
Q: I was rear-ended last May and am still in treatment. I'm not working with a lawyer, even though I ... A: You have your phrases mixed up. First, no you can not make a claim to the kids parents homeowners ...
Civil Court- Negligent Operation of Vehicle	4/3/2009
Q: First off thank you for your response in this matter as i am totally lost... On feb 23rd, 2008 as ... A: First of all you need to understand that I am not an attorney, but I will do my best. The taxi ...
Value of total loss	4/2/2009
Q: I am considering my collision coverage options and need to know what the insurance company will pay ... A: Each state has different requirements on how to determine the value of a vehicle at the time of a ...
car loan, financing, and insurance.	4/2/2009
Q: i am a 19 year old student who also works fulltime. i am looking to buy a new car. i have minimal ... A: First let me say that you should not have your father co-sign the loan. When your father co-signs ...
Claim proceeeds and Bankruptcy	4/1/2009
Q: Who Gets the Money? If a policyholder was paid on a hail damage claim on a leased vehicle, with a ... A: Based on the scenario you laid out, the check should be turned over to the leasing company. The ...
Whos at fault?	4/1/2009
Q: I was driving my dad's pick up truck in my school parking lot ready to go home when this mitsubishi ... A: Without have a more detailed understanding of the parking lot it is not possible for me to determine ...
RENTAL CAR CLAIM	4/1/2009
Q: a year ago I was on vacation with my girlfriend in Las Vegas. We rented a car to drive to grand ... A: It is true that neither the rental company nor American express will cover this claim. Anyone who ...
Rear-Ended at Drive Thru Window	3/31/2009
Q: I was just barely rear-ended at a drive thru window about an hour ago. As I was being handed my ... A: Although we are talking about an Escalade, we must remember that it is a car and at least no one was ...
cars reversing	3/31/2009
Q: Recently a friend of mine has hit my car, and she is saying its my fault aswel as hers. my story is ... A: These type of accidents are very difficult to determine who is at fault. Each of you will have a ...
School parking lot incident, pre-existing damage	3/31/2009
Q: My daughter who just turned 16 in January of 2009 was pulling into her parking space at school, and ... A: Based on the picture, it will be difficult for anyone to say that there is pre-existing damage ...
auto claim	3/30/2009
Q: it was a hit and run. I wasn't at fault. My question was that i have 2 policies and wondered if both ... A: I'm not sure I understand your question but I'll do my best. The insurance company that will pay ...
Car Collision	3/30/2009
Q: The incident that happend was with a former friend who's car was being driven. He was intoxicated ... A: You should immediately seek the advice of an attorney. It sounds like your injuries are serious and ...
Rental reimbursement	3/30/2009
Q: I am a full time real estate broker, I show sometimes 30+ homes/week, and my vehicle was involved in ... A: You are absolutely correct. You should write a letter to the progressive adjuster and cc a copy to ...
fender bender liability	3/28/2009
Q: I was in a minor fender bender in a parking deck. I was starting to pull into an open spot in the ... A: Parking lot accidents are some of the most difficult to determine liability. In most cases you would ...
Medical Bills	3/27/2009
Q: Does the cost of medication and medical supplies (ie.knee brace) count towards medical bills? I ... A: Yes. Any and all expenses related to the accident are part of your claim. This includes medical ...
gas station	3/27/2009
Q: I was involved in a minor accident that occured in a gas station parking lot. The poor design of the ... A: Parking lot accidents in general are some of the most difficult to determine liability. In this case ...
Car accident claim	3/26/2009
Q: I was in a car accident on December 2, 2008 My car was damage and insurance company paid $1,135.00 ... A: When you are dealing with an at-fault persons insurance company they do not pay medical bills as ...
Waiving the Deductable	3/26/2009
Q: A single vehicle traveling slowly on a snow covered road sliding off the road hitting a utility ... A: Unfortunately, no. When you purchase an auto policy, you determine the deductible. The deductible is ...
Filing a third-party claim for medical coverages.	3/26/2009
Q: I was in a collision last Friday. The other driver was driving in the opposite lane and they ... A: You should call back the at-fault persons insurance company. They should be able to look up the ...
Questions regaurding claim	3/25/2009
Q: Was driving a rental car furnished by my insurance co. due to the theft of my vehicle ,while driving ... A: Only your insurance policy from the stolen vehicle is the one that will be responsible to pay. You ...
Recorded Statement?	3/25/2009
Q: Do I have to give an insurance company a recorded statement by law? Can I just give them a written ... A: This would depend on if you are dealing with your own insurance company or another persons insurance ...
pain & suffering being declined	3/24/2009
Q: I had a auto policy for over 8 years and recently due to financial difficulties, that policy lapsed. ... A: It is not related at all. The claims adjuster who told you that is either an idiot or is just ...
erie auto claim	3/24/2009
Q: I was rearended on Jan 22 and they have had all of the drs notes and forms for almost 3 weeks. how ... A: You should call the company and ask to speak to a supervisor or claims manager. Ask them when you ...
minor fender bender	3/24/2009
Q: I accidentally backed up into a worktruck parked in my driveway back in Sept.2008.I promptly got out ... A: You should ask him to bring the truck back to your house for you to see the damage and the repair ...
insurance settlement	3/23/2009
Q: I was in a car accident in mid August, with the other person being 100% at fault. I have ... A: Lost wages are for just that, provable lost wages. If you incurred additional expenses, such as, you ...
Forgot to mention ticket when I got new insurance	3/22/2009
Q: I got new insurance last August through Liberty Mutual. It is an annual policy. I recently reviewed ... A: You should not worry about this. The insurance company pulled your driving record and issued the ...
insure a car	3/20/2009
Q: We have a boxing team and a gym. We also have a van that we would like to purchase for trips to ... A: If you are a charity, then your charity should have a name and be filed as a charity such as a ...
Auto Settlment	3/20/2009
Q: I was involved in an auto accident in Sept of 2007 due to the other driver running a red light. In ... A: Based on what you told me, it sounds like you have a fairly large claim. Since you are trying to ...
Should we file a claim and report accident?	3/20/2009
Q: My teenage daughter hashad her license for less than 10 weeks. While backing out of a parking space ... A: As you already know, insuring a teenager is very expensive. A teenager with an at-fault accident can ...
Total loss and Diminished value	3/18/2009
Q: I was in an accident last week in FL. The car in front of me stopped suddenly in a merge. I put on ... A: Most insurance companies will declare a car, light truck, or SUV to be a total loss when the ...
uninsured motorist property damage liability	3/18/2009
Q: I have a question about uninsured motorist property damage liability limit. I am thinking to switch ... A: If you are talking about Uninsured Motorist coverage which would be coverage for your vehicle if you ...
bad service	3/18/2009
Q: car valued at 21k for a lil over 15k the first estimate was 10k which wasnt 70% i cant blame them ... A: Most insurance companies will declare a car, light truck, or SUV to be a total loss when the ...
Insurance Judgement	3/17/2009
Q: My fiance was in an accident in Oct 2007. His brakes locked up and he rear-ended a car that in turn ... A: First of all there is no way to get arround that fact that he is 100% at fault for the accident. He ...
What's my liability if I have insurance on a car not owned or driven by me?	3/17/2009
Q: My friend has separated from her husband who can not get liability insurance so the insurance is in ... A: In most cases she would not be liable if he was at fault for an accident. However, I would question ...
Insurance Company gave police the wrong answer	3/17/2009
Q: I have a hispanic friend who was pulled over by the police for a minor infraction (headlight out). ... A: Your friend needs to demand that her insurance company provide a notorized letter stating that when ...
permissive use	3/16/2009
Q: My daughter(25) rented a car in Florida and friend (24) drive it. They got hit and it was damaged ... A: When you rent a car, only the authorized drivers whos names apear on the rental contract can drive ...
Auto claim	3/16/2009
Q: We're trying to decide whether or not to submit a claim for damage I did to the family van done ... A: Great question! Often insurer will increase your premiums just for asking the question. The best ...
Liablity determined by Insurance	3/15/2009
Q: Incident in the parking lot where both vehicles are pulling out of space into the main drive area, ... A: Unfortunately, parking lot accidents are some of the most difficult to determine liability. In most ...
Asset protection	3/15/2009
Q: I was involved in an accident last year with a bicyclist in southern California. My insurance ... A: It is possible that since your mom is the owner of the car and the insurance is in her name, that ...
Settlement Offer	3/14/2009
Q: In August, 2007, I was rear ended by an uninsured driver and pushed into the car in front of me. ... A: Based on your description I would say that your claim should be worth closer to $100,000.00, ...
first-time accident, worried about cost of repairs	3/13/2009
Q: I apologize if this is a naive question, but I've just had my first car accident with significant ... A: First of all, you can not purchase collison insurance and have this covered. That would be insurance ...
auto insurance	3/13/2009
Q: I cosigned on a vehicle for my son. I am filing to have my name removed from the vehicle tomorrow. ... A: You should be aware that when you co-sign for a loan, it is the same as if you bought it your self. ...
Recovered stolen car's diminished value	3/12/2009
Q: My car was recently stolen and recovered a week later. There were scratches on the bumper and the ... A: Although in theory their may be a small diminiahed value, it will be difficult to prove. Diminished ...
High Water Damage	3/12/2009
Q: Here is my dilemma. I was driving to work yesterday morning, where we have had a lot of rain, and ... A: There should not be any issue with coverage. The car will be totaled if the cost of repairs exceeds ...
10% at fault with Liability only policy	3/11/2009
Q: First, I would like to thank you for all of the wonderful advice you have given. It has been helpful ... A: Insurance companies often will try to say you're a small percentage at fault just to save a few ...
Claim filed but no further contact with the insurer	3/11/2009
Q: My car was scratched by the bend tree branches due to the snow. I filed a comprehensive claim and ... A: You should get a repair estimate and if the cost is below your deductible, you should call your ...
Police chase ends my position as manager	3/10/2009
Q: I'll try to keep a long story short! Dec 13th 2008, my husband and I headed out for dinner unaware ... A: When you say "will they pay", I'm not sure who they is. It is likely that the insurance company for ...
Accident and if damages can be collected.	3/10/2009
Q: I was involved in an accident with my parent's vehicle where I hit a man that ran a stop sign. The ... A: I'm not sure what you mean by limited. Your insurance company would pay in full to repair your ...
Permissive user	3/9/2009
Q: Can a minor living in the home give permission to another minor friend to drive their parents car ... A: Yes one brain damaged teenager can give permission to another brain damaged teenager and both will ...
Diminished Value	3/9/2009
Q: My husband was rear ended while waiting at a red light. This occurred in Minneapolis on 8/13/08. ... A: Since your husband was not at fault, he is eligable to receive compensation for the diminished value ...
hit and run	3/8/2009
Q: i left my car at a friends house, we went out for a couple of hours, came back and noticed my car ... A: There are only 2 things you can do. 1, if you have collision coverage, report the incident to your ...
auto gap denies claim	3/8/2009
Q: My daughter took my car without permission and totaled it, she was given a careless operation ticket ... A: You have to fight it. You will need to send them a letter stating that you do not agree with their ...
who's at fault	3/8/2009
Q: aight here's the situation. There's 2 cars in front of me. there's 1 turning lane beside me to the ... A: If you have 6 witnesses who are on your side, then you should make a claim on your own insurance ...
How can I get my car repaired	3/7/2009
Q: Last Friday, I drove on a main street northbound, passing through an intersection with another ... A: If the insurance company said your car is totaled then it will not be repaired. Once they make ...
Auto Comprehensive Payment/Claim	3/7/2009
Q: !!!!!! I live in Maine and a tree limb fell on my 2003 Navigator. Within two days the insurance CO ... A: Your insurance company is required to protect the interests of your lienholder. Unfortunately there ...
Diminshed Value Claim	3/7/2009
Q: I Bought a Honda pilot 09 on 31st of Jan and it got hit in an accident on Feb 20th while i was ... A: Each party that damaged your vehicle is responsible for the diminished value that they caused. So ...
Claim Denial	3/6/2009
Q: While driving my mother's car, I was the victim of a rear-end collision about 3 weeks ago. I made a ... A: It is true that in Maryland you can not collect for damages if you are 1% at fault. They are trying ...
insurance claims contacting my minor step-son after car accident	3/6/2009
Q: I live in Virginia, and my 15 year old step-son was involved in a car accident two weeks ago when ... A: No it is not legal for them to contact your son. You should send the claims adjuster a letter by ...
Possibly being sued outside of policy limits - auto accident	3/5/2009
Q: Was involved in a car accident several years ago. I rear ended someone at a stop light - probably ... A: Unfortunately, even if she gets enough from her uninsured motorist coverage, her insurance company ...
auto damage claim	3/5/2009
Q: My 1987 honda was rearended by a Golden Gate Bridge District bus(California). No question - their ... A: A 20 year old Honda has very little value. It might be worth about $1000.00 to $1200.00. If the cost ...
Storage Charges	3/5/2009
Q: I was recently involved in a car accident and I contacted the other person's insurance to file a ... A: It is true that you are required to mitigate your losses. This means that you are required to move ...
Close auto claim	3/4/2009
Q: I was injured in an auto accident last May. I suffered a back injury that required 4 months rehab. ... A: You will need to assemble a demand package. This is where you write a demand letter outlining when ...
I dont want to total my vehicle	3/4/2009
Q: I have a 2005 Chevy Uplander with around 65,000 miles on it. In a recent ice storm, the van ... A: First, you need to argue the value of the vehicle. Go to www.autotrader.com to search for vehicles ...
Liability Insurance	3/3/2009
Q: I was involved in an accident with two other vehicles. It was not my fault and one of the other ... A: No matter what the limit of insurance is that the other company has, they will have to pay it out. ...
How soon do I need to file a claim?	3/3/2009
Q: I was parked head-in in a parking lot. As I was about to pull out, a car drove past in front toward ... A: If you only have libility, that means that you have no collision coverage, so your insurance company ...
Being Sued by Injured Party	3/3/2009
Q: My husband got into an accident in May 2008. He t-boned the oncoming car (his fault)and he was ... A: Your insurance company only settled with one of the four passengers, so yes they can still pursue ...
Parked Vehicle damage	3/2/2009
Q: My car was parked and a neighbor missed judged backing up and really damaged my drivers side door ... A: First, you need to go to a body shop and get an estimate for the repairs. Ask the shop how many days ...
Deer Accident	3/2/2009
Q: I recently had a deer run into the side of my car. The damage was just under $500.00. I have $500.00 ... A: Unfortunately, your question is too state specific. I am not aware of any such law. You would need ...
Dispute with insurance company	3/2/2009
Q: My daughter was involved in accident on her motorcycle. She was driving on a two lane road but there ... A: This is a tough situation. Since your daughter did not have insurance, the only thing she can do is ...
How do I start my own auto damage appraisal business?	3/1/2009
Q: How do I get started, I am and Indepentend apprsiser now. A: It can be very difficult to get started on your own as an independent appraiser. It takes great ...
Wondering	2/28/2009
Q: I was involved in a car accident in January 2007, I was not at fault. Right before the 2 yrs statue ... A: I'm sorry for your difficulty. The insurance company will likely continue to fight. They will take ...
Death of Policy Holder	2/28/2009
Q: My mother died and left a newer model car. Since her death my family has been using it as a spare ... A: You are required to notify the insurance company of the death of the policy holder within 30 days, ...
Does hitting someone in the rear always mean you are at fault?	2/27/2009
Q: I was in an accident with a car that hydroplaned and hit the car in front of them. The hydroplaning ... A: Unfortunately, in most cases the law required that you always be able to control your vehicle no ...
Insurance company not wanting to accept police report where i am at 0% fault	2/27/2009
Q: Hixenbaugh, I was involved in an accident with mon February 2nd and am having some issues with the ... A: This is a tactic used by many insurance companies to try to reduce what they will have to pay. ...
my car totalled, insurance company stalling!	2/27/2009
Q: on wed. feb 18, 2009, i was rear ended by a girl in a rental car she wasnt supposed to be driving. ... A: If you have collision coverage on your own insurance policy, you should make the claim with your ...
Accident Liability	2/26/2009
Q: I was in volved in an accident recently when I was driving inside of a retail parking lot. The other ... A: Parking lot accidents are some of the most difficult to determine liability. Since it is not a ...
dui	2/26/2009
Q: a minimal liability policy was issued to an individual with 2 previous dui's. a 3rd dui has now ... A: No. it was the drivers negligence that caused the accident that resulted in the persons death, not ...
deployed airbag	2/26/2009
Q: I was recently driving my '05 BMW 330ci and hit a large pothole. Upon impact the drivers, side ... A: Unfortunately no. This type of damage is only covered by collision. The only possibility would be ...
Two car accidents within 48h of each other, and now a messy situation!	2/25/2009
Q: I have a bit of tricky situation and am hoping you can help me out. My boyfriend backed into me the ... A: First of all, you are not required to report every little incident. So don't feel bad about that. ...
Salvage Title	2/25/2009
Q: I was in an accident in October 2008 my car was totaled by my insurance company and I was paid for ... A: There is nothing you can do to remove the salvage title. Once an insurance company declares a ...
auto insurance and joint custody	2/25/2009
Q: Ex and I have joint custody. Dad put 16 y.o. on his policy. (Teen does NOT have his own car.) I ... A: Auto insurance follows the vehicle and not the driver. If your sons time is shared equally, in order ...
auto accident medical liability	2/24/2009
Q: My husband was rear ended a month and a half ago. He told them he had pain in his elbow at the time ... A: Yes they are responsible. There is no such thing as a closed out file. That is just what they say to ...
hit and run	2/24/2009
Q: my truck was hit by a rental car. The rental car's insurance co says the are not covering the damage ... A: Based on your explanation, it sounds like you don't know who was driving the rental car. Was this a ...
Counter Offer	2/24/2009
Q: Hixenbaugh, On 13 Jan 08, I was traveling with my 5 children, 9, 8, 7, 4 and 3. While stopped at a ... A: The impact to your vehicle was very minimal. Your back issues were pre-existing. Even though the ...
cashing out insurance claim	2/23/2009
Q: My car was recently damaged by hail. I've filed a claim and received a written estimate of the ... A: If you own the vehicle outright, then you can receive the check in just your name. If you have a ...
about insurance	2/23/2009
Q: I was involved in a minor wreck. The person that hit me was giving a ticket and it was her fault. We ... A: Yes. You should ask for a payment for loss of use for the days you had no car. Usually a loss of use ...
Im being sued	2/23/2009
Q: After I got a new truck about a month later I got insurance for it but only i was on the policy and ... A: Yes they can do this. Your partner will be considered to be 100% at fault. Anytime you hit someone ...
auto accidnet	2/22/2009
Q: This is the scenario: Mother is driving vehicle and rolls the vehicle. Child is injured. The child ... A: I'm not sure what you mean by "file a complaint". Against who... for what? If you meant to say file ...
10 years after settlement now on disability	2/22/2009
Q: One of my relatives was in a horrible accident 10 years ago. The lady plowed into this person rear ... A: First of all I am not an attorney. In most cases when an insurance claim is settled, the person ...
nonrenewal	2/21/2009
Q: and father had 2 accident in 2008 (car was totaled 2nd time but it was old car 1996 chevy lumina ... A: Unfortunately, there is nothing you can do. Insurance companies have underwriting guidelines that ...
auto claim	2/21/2009
Q: my daughter while away @ college rolled her 2001 Jeep. They did not total it. It took almost 3 mos ... A: If the transmission is related to the accident, then yes, the insurance company will pay for it as ...
Commercial Vehical Insurance	2/20/2009
Q: My question is... do commercial vehicals (dump truck) have minimum insurance coverage that they have ... A: Unfortunately, your question is state specific and would depend on your states individual ...
Waiting on a settlement check	2/19/2009
Q: i reside in Oklahoma moved in recently from NJ. Usaa member hit my car, and totaled it. the ... A: In total loss situations the insurance company generally owes a rental car until you receive the ...
Loss of use	2/19/2009
Q: How do you calculate Loss of use of a 1999 Chevy Tahoe LE in value to present in court? ANSWER: Hi ... A: This is a very unusual situation. At the very worst it should not take more than 2 weeks to switch ...
Loss of use	2/18/2009
Q: How do you calculate Loss of use of a 1999 Chevy Tahoe LE in value to present in court? A: Loss of use is generally what is owed when you did not receive a rental car. If you received a ...
Insurance claim that has been pending for 2months	2/18/2009
Q: I live in Chicago, and on 12/26/2008 i was on my way to work, that day the roads were very slick, so ... A: This is a tough situation. Even in major collisions it is not usual that there would be damage to ...
repair issue	2/17/2009
Q: My daughter was rear-ended Dec 1st, 2008. We finally got it into the shop Feb 4th 2009. I had ... A: A muffler is a part that does wear out over time. Considering the age of the vehicle, you were ...
What to do when an insurance company will not fix post repair problems.	2/17/2009
Q: My insurance company has attempted to fix my truck three time with two different shops. This is a ... A: Unfortunately this kind of thing happens all the time. Since you are dealing with your own insurance ...
At Fault Dispute	2/17/2009
Q: A person I know was T-boned in a traffic light controlled intersection. Both drivers claim they had ... A: In order to win in court, your friend will have to be able to prove he was not at fault. Based on ...
Insurance claim DUI	2/16/2009
Q: I recently crash my car ito a tree i felt asleep but the police filed me as a DUI, I live in florida ... A: If you were not DUI then you should fight the ticket. A DUI on your driving record will make your ...
Auto Accident Question	2/16/2009
Q: I had 2 auto accidents two years ago and am now in the demand letter process- I'm seeking help in ... A: To answer your question properly would require an indepth analysis of your complete situation which ...
Claims over a year old	2/16/2009
Q: My car needs some body work from damages that occurred over a year ago. The guy at the body shop ... A: You would have to file 3 seperate claims. This means that you would be responsible for 3 seperate ...
auto accident	2/14/2009
Q: My son was in an accident last August. His car was hit from behind. This caused his car to flip over ... A: It is not too late to try to show your info to the insurance company. However, it may not cause them ...
Insurance company won't cover injuries	2/14/2009
Q: I was involved in an accident about 9 months ago where a car hit me from behind when I was stopped ... A: The insurance company is acting as the agent for the at-fault driver. If you send him a letter it ...
Body repair gone wrong	2/13/2009
Q: I just recently took my truck into one of Geico's Auto Express body shop to get some work done. A ... A: Now you know to never take your vehicle to a shop that is recommended by an insurance company even ...
changing companies after claim	2/13/2009
Q: I had an auto accident two years ago (other party ticketed and at fault) and am currently working ... A: This will have no effect on your future insurability. It is possible that your attorney is simply ...
Car meets Motorcyle-Who's at Fault	2/12/2009
Q: While making a left into a driveway on a two way street-two lanes in each direction-traffic was at a ... A: In most cases the car that is turning left would be at fault because the vehicles in the oncomming ...
Uninsured Motorist problems...	2/12/2009
Q: Okay...on Dec. 9th, I was on my way home with my fiance. We came off an exit ramp from the ... A: No they can not. If the driver of the truck was at fault and the truck was insured then they have to ...
Hit & Run	2/11/2009
Q: My boyfriend is an employee at a large corporate owned funeral home. Yesterday after finishing work ... A: Unfortunately, the employer is not liable. The employer did not do anything that caused the damage ...
Auto Injury Claim	2/11/2009
Q: I was in an accident about two years ago when I rear ended a car. The occupant of the car I hit ... A: At this point there is no need to be worried. Your adjuster indicated to you that the medical bills ...
NYS NO Fault claim	2/10/2009
Q: I was in an accident in 2004 and just recently found out there was a mri that was never paid for. ... A: You need to call your insurance company's claims department directly. Do not call your agent. Only ...
Auto Insurance Claim	2/9/2009
Q: My son was recently involved in an accident where he ran into the back of a school bus. There ... A: If a police report was made or you exchanged information with the bus driver then you should notify ...
left turn accident	2/9/2009
Q: My family was involved in a left turn accident in which my husband was the driver. We we're at in ... A: Generally, when other car let you through and an accident occurs it is still your fault if the third ...
I hit some one....had no insruance till later that day. No injuries. Texas	2/8/2009
Q: First off let me say I am a foreign student in the USA. I just got a car on 6th evening from a ... A: Since the accident happened before you purchased insurance, your insurance will not pay for the ...
What can we do when we expect fraud	2/7/2009
Q: On New Years Eve my son took his dirt bike out to check it after fixing it.Although not an excuse, ... A: It is possible that in the flury of the incident, that the dirt bike did hit other parts of the car. ...
Bad Faith Insurer	2/6/2009
Q: Have you had any experience dealing with Progressive and its Bad Faith Claims Practices? A: Many insurance companies intentionally walk a fine line between good faith and bad faith claim ...
Liability Issues	2/5/2009
Q: Basically I am 19, going to school full time, living with my parents and am also under my parents ... A: Since you are 19 you are legally an adult. Your parents would not be liable for actions of yours if ...
bike car accident	2/5/2009
Q: I really appreciate your help. I live in Northern CA and I was in an accident. I was biking - as I ... A: Yes. Insurance companies are like sharks. They will pursue you unless you turn and bite back. The ...
Insurance Claim Coverage Question	2/4/2009
Q: my boyfriend was at a bar with his friend. This friend drove our truck to the bar but had to leave ... A: Although I'm sure this is not the case in your boyfriends situation, you have to understand that the ...
Massachusetts: Car was hit in our apartment's parking lot by an unknown person.	2/4/2009
Q: My wife drives a 2007 Honda Fit. Yesterday morning, she noticed a scrape/dent on the right hand ... A: Since you do not know who hit you, there is no need to file a police report. If a claim is filed ...
Insurance Claim Coverage Question	2/3/2009
Q: my boyfriend was at a bar with his friend. This friend drove our truck to the bar but had to leave ... A: No they can not do that. If you have insurance it must pay for the damage regardless of who was ...
Insurance company holds at 95% liability	2/3/2009
Q: Mr. Hixenbaugh, My 17year old son was involved in an accident while driving my car. The other ... A: This is a tactic used by many insurance conpanies. Its only purpose is to save the insurance comapny ...
Coverage question	2/3/2009
Q: If I lend my car to a friend or family member, and they have an accident which they are at fault ... A: Auto insurance follows the vehicle not the insured. So if you loan your vehicle to a friend or ...
Road Hazard	2/2/2009
Q: My self-employed husband was driving a load of rocks down the street. A rock apparently hit the ... A: In this case it will likely be cheaper and easier to just pay the lady. Since your husband was ...
Loss of Use	2/2/2009
Q: I was recently involved in a car accident (other person was at fault). In the state of California, ... A: The term loss of use is sort of a catch all phrase. You are entitled to either a comparable rental ...
back injury	2/2/2009
Q: I was involved in auto accident 1/08. Party A was declared at fault..they hit Party B..and Party B ... A: You can not go after party B at all. Party B was hit by party A and pushed into you so Party A is ...
driver at faults insurance if being real unfair	2/1/2009
Q: OK long story short me and my mom feel cheated our lawyer has called recently and told us that the ... A: You can not go after their homeowners insurance. You just need to tell your attorney tat you are not ...
insurance claim	1/31/2009
Q: My son was in a auto accident as a passenger. He had to have a piece of steel removed from his knee ... A: There are many factors that determine a reasonable settlement. However, based on your brief ...
uninsured motorist / inaccurate police report	1/31/2009
Q: my 21 year old son was involved in an accident where another vehicle pulled out in front of him on ... A: This is a tough situation. To get the police report amended your son would have to contact the ...
Can an insurance company disclaim liability when their insured's car hit me involuntarily?	1/30/2009
Q: Hixenbaugh, I write on behalf of my sister. Both she and I thank you for reading these questions. ... A: Unfortunately, you will not like my answer. In order for an insurance comapny to accept liability ...
Car hire in US	1/30/2009
Q: My daughter is proposing to hire a car during her stay in Florida shortly. Hire prices show ... A: "Collision Damage Waiver" (CDW) simply covers any deductible that may apply to your own auto ...
theft and unisured cycles	1/30/2009
Q: Is it true or false that a dealer has insurance when one fails to insure for more than a month,as to ... A: No, the dealer does not have automatic coverage. In some cases the finance company will purchase ...
Who is liable in this situation	1/28/2009
Q: I rented a car a few years back and it was stolen from my residence and once recovered it had been ... A: You should never assume anything. Anytime you rent a car you are responsible for any damages. If ...
Disclosure of policy liability limits	1/28/2009
Q: I was recently involved in a rear-end collision where I was deemed at fault. The other party has ... A: The reason the attorney is seeking this information is to determine if there is enough coverage to ...
Auto insurance	1/28/2009
Q: I have a situation. A friend was driving on a suspended license and had an accident wherein he was ... A: Unfortunately I have no idea what prop 213 is. Your statement was a bit confusing but I'll do my ...
Medical coverage	1/27/2009
Q: I was in an accident where I recieved injury to my back legs and left arm. I have a question, the ... A: It sounds like the $1,000.00 would be from the "Medical Payments" coverage. This is usually a ...
Surviving the Domino After Hit by an Uninsured Drunk Drive	1/27/2009
Q: Hixenbaugh; While sick at home on the evening of Oct 16, 2008, I asked my former roommate to run ... A: I'm very sorry you're having such a difficult time. This is unfortunately a very tough situation. ...
Insurance Refuses to pay for additional damages	1/27/2009
Q: I was involved in an accident on 12/8/08. A car trying to turn left pulled out into oncoming ... A: Since you are talking of deductibles, I have to assume that you are dealing with your own insurance ...
AUTOMOBILE ACCIDENT WITH INJURIES	1/26/2009
Q: I WAS INVOLVED IN A CAR ACCIDENT IN SPRING 2006 WAS STRUCK IN SIDE BY ONCOMING CAR DOING 60MPH ... A: There is no way to tell. The larger the claim, the longer it could take. You really need to ...
Liability in Multi-car accident	1/26/2009
Q: About a month ago, I rear ended a vehicle and that vehicle hit the car in front of it. There were a ... A: No this is not true. You are responsible for all of that damage that resulted from you rear ending ...
accident	1/25/2009
Q: I was in an accident where I was a passanger I recieved moast of the injuries the man that was ... A: I'm not sure I understand the exclusion for not paying for employees except as follows: If you were ...
Dealing with Allstate in California	1/24/2009
Q: My jeep was hit while parked outside my house. It has about 3 thousand dollars of damage, including ... A: It is typical for an insurance company to take what is called "betterment" on items that normally ...
parking lot accident	1/24/2009
Q: While in a parking lot travelling in a lane, the other party drove through an area of parking stalls ... A: Unfortunately, without the video or an independent witness this is a case of he said she said. In ...
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: This is an unfortunate situation. The other drivers insurance company will pay for the repairs for ...
assets before Under-insured motorist insurance.	1/23/2009
Q: I was involved in what I believed was a non-injurious collision 2 years ago. I was notified recently ... A: This is a very serious situation. Although you did not say how much bodily injury liability coverage ...
FMV dispute I NEED HELP!	1/22/2009
Q: I was hit by a driver who failed to yield. His insurance sent out their adjuster to my house they ... A: You can not sue the insurance company. The insurance company is only acting as the agent for the ...
Diminished Value Check	1/21/2009
Q: State of Texas - An uninsured motorist hit me in November. I have Allstate insurance and filed for ... A: In Texas an insurance company is required to make any checks for repairs or diminished value payable ...
Motorcycle accident claim question	1/21/2009
Q: While riding my motorcycle I hit a pedestrian. My insurance considered me 100% at fault: "failure to ... A: My son was recently in an auto accident. Due to the fact that he bumped his head and hip he was ...
snow car accident	1/20/2009
Q: During a heavy snow that was coming down fast and furious for a couple of hours the roads became ... A: If the vehicle was standing still at the time you hit it, then they would not be responsible even ...
claim	1/20/2009
Q: I purchased a new truck for my son when he graduated -a 4000 miles he had trouble with the ... A: There ar too many unanswered questions here. For example: 1) If the truck was totaled 6 months ago, ...
Same Insurance Carrier	1/20/2009
Q: My wife was involved in accident where the other driver made a left hand turn in front of her. ... A: This is a common situation. You will likely not be given access to the reconstruction report. It is ...
1997 nissan maxima value total loss	1/19/2009
Q: I carried only liability on my car. I was hit in the truck and bumper area. The other persons ... A: It is possible that the insurance comapny has low-balled the value of your vehicle. Following is the ...
PI Settlement Question	1/19/2009
Q: My now 19 yr old daughter was a passenger in a single car accident 3 yrs back resulting in shoulder ... A: When a minor is involved in an accident, the time for the statute of limitations does not begin ...
AUTO ACCIDENT REPAIRS	1/19/2009
Q: I WAS HIT FROM BEHIND IN MY CAR I WAS AT A COMPLETE STOP AND THE CAR BEHIND ME DID NOT SEE OR ... A: Your loss is the value of your car at the time of the accident. The insurance company will pay you ...
Paying out of pocket to fix other person's car	1/18/2009
Q: I got in an accident a couple months ago. I was changing lanes, checked my mirrors and looked over ... A: Unfortunately, if you are the at-fault party, you are responsible for ALL costs and expenses that ...
Dealing with insurance claim	1/18/2009
Q: I was recently in an accident. I got a failure to yield ticket, even thought I felt the guy was ... A: I can tell you from experience that body work is very expensive so it is not unusual the repairs ...
How to deal with and contact Insurance Company of at-fault driver	1/17/2009
Q: I hired a rental car and was driving on the Freeway when a car behind ran into the back of me. The ... A: I will try to answer your question in the order in which you asked them. 1) At this point you do ...
to claim or not to claim . . .	1/17/2009
Q: I must admit that my question is not as severe as some questions on this message board. My heart ... A: I'm not sure about the windshield coverage. That may be specific to your state. As far as your ...
PI Settlement Question	1/16/2009
Q: My now 19 yr old daughter was a passenger in a single car accident 3 yrs back resulting in shoulder ... A: There is always room for negotiation. Insurance companies will always try to low-ball you. Another ...
Parking Lot Accident Liability	1/16/2009
Q: Richard, Two Months ago I was reversing out of a stall in a one way narrow parking lot. I was ... A: Yes. You are 100% at fault in this situation. Anytime you are backing from a parking space and hit ...
Adjuster not looking at all damage	1/16/2009
Q: Accident in Illinois. Weather condition sleeting. Time of day was evening dark. My speed 48-50mph. ... A: Based on your statements regarding your deductible and rental car limited to $20.00 per day, I will ...
Totalled car	1/15/2009
Q: I insured a vehicle that is still in my sons name. He is not in my household. But he borrowed the ... A: This is a difficult question to answer. It will depend on your states laws and the wording in your ...
who pays	1/15/2009
Q: I am writing on behalf of a friend, who is having problems with a closed claim. He borrowed a car ... A: It was the negligence of the driver of the borrowed car that caused the damage and therefore he is ...
Car damaged in runoff in parking lot.	1/14/2009
Q: My daughter was driving in a local ski resort parking lot at night and she drove over an area of the ... A: Based on your story I would say that the resort is not liable. They can not be liable for somthing ...
Parking lot accident	1/14/2009
Q: I was leaving my job. The office building's parking lot is narrow, just one row of diagonal parking ... A: Unfortunately, anytime you hit a stationary object you are considered to be at fault. Even if the ...
auto insurance	1/13/2009
Q: I have a personal auto policy with minimum liability (25/50/10) insurance coverage. If my I let my ... A: As long as the person who you loan your car to does not live in your household you can loan your ...
no-fault	1/12/2009
Q: i was recently involved in an auto accident, presumed to be a "no-fault". to my knowledge, no one ... A: Regardless of what you may have been told, there is no such thing as a "no-fault" accident. An ...
Full or partial settlement after diminished value offer	1/12/2009
Q: We were in an accident in a six-month-old 2009 model SUV that was not our fault. Other driver's ... A: I have to assume that you mean the insurer is asking you to sign a release form in exchange for the ...
auto claims	1/12/2009
Q: i was recently involved in an automobile accident in ohio, the at fault party insurance has already ... A: Yes. You will need to make a claim for Bodily Injury. In most cases your medical insurance company ...
Replacing with like truck	1/11/2009
Q: My son was in an accident that was not his fault. We are now dealing with the other insurance ... A: No. Insurance company to not replace vehicles they only write checks. However, you can negotiate the ...
Denial of my claim	1/10/2009
Q: I am 21 and I live with my parents. I got into a car accident while driving my parents car. I filed ... A: Apparently there is much more to this situation than I am aware. However, if you were listed on the ...
Policies and limits	1/10/2009
Q: I was involved in an accident where someone failed to yield and ran into my vehicle and totaled it. ... A: In most cases an insurance company is not required to tell you what their insured's policy limit is. ...
auto accident claim	1/10/2009
Q: My daughter was at work and her car was sitting in the parking lot unoccupied when a car hit it. It ... A: Insurance companies do not use Kelly Blue Book or any other guide book values. The reason is that ...
loss of use	1/9/2009
Q: I was recently hit by an uninsured driver. I was forced to file a compressive claim. My adjuster ... A: This is not a "Comprehensive" claim. This should be being handled either as a "Collision" claim or ...
Loss earnings from auto accident injury	1/9/2009
Q: I was injuried in an auto accident in July 2008 by another party who has accepted liability. I am ... A: Yes. The other persons insurance company will not pay any portions of your claim as they come up. ...
Adjusters Price	1/8/2009
Q: I was involved in a single car rollover accident and the vehicle is a complete loss. I had ... A: Most auto insurance policies DO NOT cover aftermarket items or customizations you do to a vehicle ...
auto accident questions	1/8/2009
Q: I was involved in a sideswipe type accident where the other driver swerved into my lane. On the ... A: There is no way for me to know if the other insurance company will accept your photos as evidence ...
AUTO LIABILITY	1/8/2009
Q: Three weeks ago, I was in a parking lot. I pulled out of the space (straight in parking) and was ... A: Parking lot accidents can be some of the most difficult to determine liability or to defend, ...
Hit and run in Oregon	1/7/2009
Q: I live in Eugene, Oregon, and a few weeks ago I was hit by another car who sped off. The damage to ... A: In many cases even if your insurance company does not pay anything, the mear fact that you reported ...
Dealing with insurance company	1/7/2009
Q: I think the insurance company of the person who hit my car is trying to get off easy. My car was hit ... A: The other insurance company can not pay the claim until they receive corroboration of your story. ...
Damage due to snowdrift across lane	1/7/2009
Q: Is this considered a comp claim or a liability claim; I was driving home on a state hwy at 35 mph ... A: It will be up to your insurance company if this is paid as a collision or comprehensive claim. On ...
No fault insurance	1/6/2009
Q: I was in a car accident in 2006 in NY. I was seriously injured and was put on disability. I ... A: It should have been picked up on but again, it seems to have been an oversight. You should contact ...
Backing out	1/6/2009
Q: I was wondering who would be at fault here. i was driving through a parking lot and someone had ... A: Yes it does appear that the other driver is at fault. You should provide your insurance company ...
Backing out	1/5/2009
Q: I was wondering who would be at fault here. i was driving through a parking lot and someone had ... A: Since you are already dealing with your own insurance company you should ask them if you should ...
parking lot accident	1/5/2009
Q: I was involved in a parking lot accident. My car was more then half way out of the parking spot when ... A: Parking lot accidents are some of the most difficult to determine liability. As the person backing ...
No fault insurance	1/4/2009
Q: I was in a car accident in 2006 in NY. I was seriously injured and was put on disability. I ... A: Unfortunately, as you indicated this was a mistake. You do not get to keep the money just because ...
Failure to Stop - Liability Issue	1/2/2009
Q: My Daughter recently was hit by a driver who failed to stop at a four way intersection. At the ... A: Unforntunately, all you can do is give it your best shot. The is a classic "he said...she said" ...
vehicle	1/2/2009
Q: I legally parked my car on a road in front of my in-laws house. We went inside and my car was later ... A: When Is A Vehicle A Total Loss? Most insurance companies will declare a car, light truck, or SUV to ...
collision claim	1/2/2009
Q: I added a collision coverage to my current insurance premium yesterday and had collision with a ... A: Most companies will require when you add collision coverage for the agent to inspect the car to be ...
Auto Insurance Claim - Appropriate Offer???	12/31/2008
Q: The front passenger side of our 1999 Nissan Altima was backed into by a Chevy Yukon. The driver of ... A: The reality of the situation is that you are generally not entitled to anything for "discomfort" or ...
auto accident	12/31/2008
Q: Richard, I'm sorry this may seem a little long but I'm just a mess trying to understand if there ... A: I'm very sorry you are going through such trouble. Unfortunately, there is nothing you can do ...
My rights when my insurance company has totaled my vehicle.	12/30/2008
Q: After having an accident, I had my vehicle towed to the auto body shop my insurance company ... A: The decision to repair or total a vehicle is completely up to the insurance company. The vehicle ...
Determining who is at fault.	12/30/2008
Q: My fiance was in a car accident in our car today. He was in the far left lane of a six lane (3 each ... A: Don't get ahead of the process. Yes it is possible that the other driver may try to change his ...
My rights when my insurance company has totaled my vehicle.	12/30/2008
Q: After having an accident, I had my vehicle towed to the auto body shop my insurance company ... A: When a vehicle is totaled the insurance company is responsible for paying you the fair market value ...
small claims court	12/29/2008
Q: I was involved in a no fault accident in November of 2007 Allstate Ins. has deemed my car a total ... A: Yes you can ask for loss of use. Loss of use is simply that; the loss of use of your vehicle due to ...
Auto Insurance Claim	12/29/2008
Q: A tree branch fell on the hood of my truck and smashed the hood, it was parked at my home that I am ... A: You only have one claim here and it will be with your auto insurance company. Who ever owns the tree ...
snow accident!!!!!	12/29/2008
Q: i was heading around a blind turn at 2 am when i barely noticed due to the blizzard conditions that ... A: In this case you will likely both be found to be at fault 50/50. The jeep is at fault for leaving ...
Recent Accident	12/28/2008
Q: I have great coverage with AAA. Last night my 19 year old smashed my 1996 Chevy Suburban in an ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ...
car accident	12/28/2008
Q: if a car accident happen on one day and is not confronted to you that it happen three days later are ... A: When you are confronted about an accident has no relation to determining if you are at fault or not. ...
insurance for auto	12/26/2008
Q: If I purchase a new auto and take the insurance that if I die the auto is paid off how long a ... A: To the best of my knowledge, that type of insurance generally has no waiting period. However all ...
Insurance question	12/25/2008
Q: If i have a vehicle and the registration has expired and it is no longer taxed by the county in the ... A: Your question is very specific to your state DMV laws and not directly related to insurance claims. ...
Auto Insurance Company not calling me back	12/24/2008
Q: I reported an auto collision claim (I hit a curb due to icy road conditions resulting in $1760 in ... A: In most states and insurance company cn take up to 30 days to investigate and either pay or deny a ...
total and injury.	12/24/2008
Q: A unlicensed driver(driving his company's vehicle) hit us on the passenger side when he changed ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ...
collision settlement	12/24/2008
Q: I was involved in a rear end collision on 7-17-08. I had had a siezure. No drinking, no drugs, ... A: No this is not normal. You need to call the company and demand to speak to a claims manager. You ...
3 car accident	12/23/2008
Q: I was invloved in a 3 car accident, a car pulled out onto the highway and hit a car in the rear and ... A: Yes. It is the person who started the chain that is responsible for the damage to all of the cars. ...
getting repairs without going through insurance	12/23/2008
Q: I was helping a friend jump start his car today on a city street when another driver attempted to ... A: You simply need to go to a body shop of your choice and have them write a repair estimate and ...
Timeframe for CA insurance companies to do their job	12/22/2008
Q: I asked this question previously, and its apparent I may have said something that offended a current ... A: In most states an insurance company has 30 days to investigate and either pay or deny a claim. ...
Qeustion about auto accident claim	12/22/2008
Q: I had an accident earlier where i was driving on an intersection straight going north on a clear ... A: You will just have to let your insurance company handle this. The will go to arbitration and usually ...
denied liability coverage	12/21/2008
Q: On July 9 a policy was in effective and it listed only my daughter and myself..I have a son, however ... A: The only reason you are going through this is because it was your 19 year old son that was driving. ...
intersection side impact collision	12/21/2008
Q: Today it is snowing heavily; the roads are covered with about 3-5 inches of snow. On a small side ... A: Unfortunately, based on your story it sounds to me that your husband would be at fault. Anytime you ...
Claim Against Faulted Driver	12/20/2008
Q: I was recently involved in an accident where I had the right of way on a 4 lane major street and the ... A: Based on your story, it appears that the other driver is at fault. You need to keep calling the ...
loaned vehicle	12/20/2008
Q: I own and insure an RV in California (1976 Pace Arrow...27 feet long self-contained camper). An ... A: I assume you have insurance on the RV that would take care of any damage. However, if you do not, of ...
I got rear ended while working	12/19/2008
Q: I recently got rear ended while stopped at a red light. I am a delivery driver and I was wondering ... A: You can claim lost pay if you can document it. You will need to have your boss write a letter ...
car accident	12/19/2008
Q: my son hit another car, he came round the roundabout and turned onto a slip road with a blind bend, ... A: Unfortunately not. It is up to your insurance company to decide if thay will pay a claim or defend ...
Lexus Gs 300	12/19/2008
Q: My car was involved in a hit a run accident. My insurance company will not cover my car for whatever ... A: I'm not sure I understand what you are asking me, But I'll do my best. If you have no insurance ...
car accident	12/18/2008
Q: my son hit another car, he came round the roundabout and turned onto a slip road with a blind bend, ... A: In Most states, the driver of a vehicle is requird to maintain a safe speed and distance to always ...
Truck Accident & What We Owe	12/18/2008
Q: My husband and I were in an accident in central NY state last week and the other guy was cited at ... A: White, Unfortunately, the at-fault driver (or his insurance company) owe you for the value of your ...
accident w/ ins. but driver not on policy and no license	12/17/2008
Q: If an accident occurs & driver is unlicensed but not suspended and is not listed on my policy(full ... A: Unfortunately, this is a hard one to answer. There are other details that will determine whether ...
Auto accident claim consideration	12/17/2008
Q: In Nov 07, an uninsured truck driver hit my car. The driver was issued a ticket and showed proof of ... A: Regardless of the fact that you are being paid from the uninsured motorist coverage on your policy, ...
Auto accident claim rejected by other party	12/16/2008
Q: I recently got into an accident while changing lane & other party hit my car on front passenger ... A: This is a very dificult situation, since I am not able to hear the story of the other driver. ...
total loss after an accident	12/16/2008
Q: Richard, my son was in accident in my car, which was valued at 33K (what I owe on it) before the ... A: When Is A Vehicle A Total Loss? Financial Total Loss Most insurance companies will declare a car, ...
car accident	12/16/2008
Q: I WAS REAR ENDED RECENTLY. I WAS STOPPED AT THE RED LIGHT WHEN THE OTHER DRIVER HIT ME HARD.POLICE ... A: I am not a Doctor nor do I have any specifics about your injuries. So I can not tell you what the ...
car accident	12/15/2008
Q: I WAS REAR ENDED RECENTLY. I WAS STOPPED AT THE RED LIGHT WHEN THE OTHER DRIVER HIT ME HARD.POLICE ... A: You should find an attornie right away. Someone needs to go to the other car and take pictures of ...
Auto accident claim consideration	12/15/2008
Q: In Nov 07, an uninsured truck driver hit my car. The driver was issued a ticket and showed proof of ... A: The pain & suffering should be at least equal to the amount of the total medical bills and in some ...
hit and run claim	12/14/2008
Q: i am new to insurance claims. yesterday i had parked my car in an apartment complex parking lot and ... A: You should ask your insurance comapny how they will handle this. Since there is no proof that ...
Question about claim	12/13/2008
Q: short story is i was hit police was called and report made i called the guys insurance company to ... A: Know Your Repair Rights What are you entitled to? After an auto collison it is important to know ...
RV Adjusting	12/13/2008
Q: Richard; I have recently became licensed in the State of Florida as an All-Lines Adjuster. I have ... A: In many cases if you go to work for a company that specializes in these typr of vehicles thay will ...
Diminished Value	12/13/2008
Q: I am in the state of california. We have filed a 3rd party claim for Diminished Value with GWC. The ... A: The Diminished Value Claim Process Step 1: Proof of Loss The 1st step in the diminished value ...
Car totaled out after deer/car accident	12/12/2008
Q: I hit a deer recently and my car was totaled out by the body shop. The guy said an adjuster will be ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ...
insurance claims	12/11/2008
Q: I am 19 years and have just bought a car. It was required for me to obtain comprehensive coverage. ... A: As long as you were listed on the policy as a driver, then the claim will be paid. If you are not ...
auto insurance claim	12/11/2008
Q: I was recently involved in an accident.The person at fault should pay my damages as i have liability ... A: The insurance company can not pay out more than the amount of coverage on the policy. If the damage ...
Total Loss - FL	12/10/2008
Q: I was rearended, other party/ins co. has accepted liab. Their appraiser valued my veh approx $2,000 ... A: The state insurance commissioner can not do anything to help you. Their function is to make sure ...
2nd accident in less than 2 years	12/10/2008
Q: In January 2007, I accidentally pulled the garage door down on top of my Ford Escape, causing $3,500 ... A: Unfortunately, your company is not responsible for any of the damage. The damage was not caused by ...
Auto Liab settling	12/10/2008
Q: I was involved in a front end collision in Georgia that totalled my car. The other driver was cited ... A: 3 times the medical bills is a general rule of thumb. However, the insurance company will likely try ...
Auto Accident, car still not repaired	12/9/2008
Q: I was involved in an auto accident in an accident, Aug. 08. The accident was my fault and I do have ... A: The problem here is that mechanical repair shops are not used to dealing with insurance companies. ...
Claim	12/8/2008
Q: I work as an agent for an insurance company. I only had comp on my vehicle. My wife and I came upon ... A: As an agent you should know (or at least know now) that insurance companies are in business to not ...
hit and run	12/8/2008
Q: My roommate happened to look out the window and see whats he thought was someone who hit her car. I ... A: You can put in a claim on your insurance and let them try to get the money back from this other ...
Car accident	12/7/2008
Q: My son was involved in an accident where the vehicle he hit was uninsured. The other driver was ... A: This is an unfortunate situation. But, even if you could prove that the other driver was 100% at ...
Dealing with a claims handler	12/6/2008
Q: I was truly unfortunate to have my car struck by not one, but by two shopping carts while parked at ... A: I am very familiar with the process you explained. The third party that revied your estimate is ...
Duty to Disclose Policy Limits	12/6/2008
Q: My two sons, my wife and I collided broadside in the right lane with a pick-up truck that had ... A: I'm sorry you are in this situation and hope you are feeling better. First of all, I am not an ...
insurance claim	12/6/2008
Q: if i am in an accident and the other driver and i both say the other one is at fault for the ... A: Each insurance company will take a statement from each driver. Based on those statements they will ...
Parking lot fender bender	12/5/2008
Q: Recently I was in a small parking lot in an industrial park. The building, which houses various ... A: Unfortunately, this would be considered to be your fault. Regardles of all of the circumstances you ...
ACV issue	12/5/2008
Q: I recently bought a honda certified preowned vehicle a month ago. It was totalled (the other person ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ...
California Dual Auto Insurance	12/4/2008
Q: I have two insurance policies on my car because apparently I did not cancel my previous policy prior ... A: The insurance company is not obligated to refund your money. However, you should contact the first ...
Question about a medical claim.	12/4/2008
Q: my name is Matthew and have a quick question for you. So i was rear ended about 2 weeks ago. went ... A: That's correct. You should write a breif letter to the claims adjuster explaining that due to the ...
comparable rental vs. basic transportation	12/4/2008
Q: Do you know of a site that has information regarding all state laws on what is owed for loss of use ... A: All states require that you are provided with a comparable vehicle. However, a comparable vehicle is ...
Hit while parked for the night	12/3/2008
Q: My cousin lives in New York and has State Farm comprehensive coverage. This morning he came out to ... A: Unfortunately, this would still be considered a collision even though the car was parked. ...
Question about a medical claim.	12/3/2008
Q: my name is Matthew and have a quick question for you. So i was rear ended about 2 weeks ago. went ... A: You should not sign a release form until you have been checked out thoroughly. You may want to treat ...
Insurance coverage	12/3/2008
Q: Do I have to make a claim if I hit a concrete pole,while turning around? I was entering a ... A: If you damaged the pole, then you are responsible for the damage. You can either pay the cost of the ...
hitting an illegally parked car	12/2/2008
Q: My friend had backed into a truck that was illegally parked behind him in our apartment parking lot. ... A: Unfortunately, the fact that the truck was parked illegally is not relevant. Anytime you hit a ...
Insurance refuses to pay for rental	12/2/2008
Q: Three weeks ago I was hit by a driver who failed to stop at a stop sign. I was injured and my car ... A: Unfortunately, these are tactics used by many insurance companies. You should argue with the ...
2007 chrysler sebring hit	12/2/2008
Q: I was recently invoved in an accident in where the other driver was cited for failure to yield and ... A: I will do my best to answer your questions in order. 1) Most insurance companies will total a ...
white lies	11/27/2008
Q: I recently made a claim about my car being stolen. I lied about the condition of the car, saying it ... A: You need to be very careful how you do this. When a vehicle is reported as stolen, the first source ...
Accident Liability	11/26/2008
Q: I recently visit a car dealership and test drove a few cars. The last car I drove was parked by me ... A: Unfortunately, you are responsible for the damage. Anytime your actions result in damage to someone ...
Driving another person's vehicle with permission	11/26/2008
Q: This question is similar to Harry's question on 6/19/2008, which was answered by Anne. FACTS: I ... A: Auto insurance follows the vehicle not the driver. So it would be your friends insurance that would ...
Auto Settlement	11/26/2008
Q: I was involved in an accident back in October of 2006. I was traveling on a highway that had ... A: You should call USAA and ask them to send you written documentation of what they paid out. You can ...
Auto Settlement	11/25/2008
Q: I was involved in an accident back in October of 2006. I was traveling on a highway that had ... A: You will have to pay back USAA, but you should only have to pay what they actually paid. Before you ...
Truck in a compact car space	11/25/2008
Q: This is more like “accident-prevention” kind of question though - I am currently living in an ... A: Any time you hit a parked vehicle you are at fault regardless of the size of the parking space. ...
Parked truck hit by student.	11/24/2008
Q: My son's truck was parked in the lot at school and another student hit it. My son did not witness ... A: Your son should go to the school office or campus police to report the incident. He should bring ...
Auto repair	11/24/2008
Q: After I had a accident the mechanic said my car should have been totaled. The insurance company says ... A: Unfortunately, no. The decision to repair or total the vehicle is totally up to the insurance ...
accident involving a stolen car	11/24/2008
Q: My daughter's car was totaled last month by a woman driving a car that was stolen. They owners ... A: Unfortunately not. When a vehicle is stolen, neither the owner of the vehicle nor their insurance ...
GA repairs	11/23/2008
Q: I live in GA and the insurance company says, if I want to keep the car that I have to get it ... A: Yes. This is correct. You will need to sign the title over to the insurance company. They will apply ...
Response Time To Claim	11/22/2008
Q: I was involved in an auto accident and filed a claim 4 days ago against Allstate. Since that day. ... A: In most states, an insurance comapny has 30 days to investigate and either pay or deny a claim. The ...
Re hit and run accident	11/22/2008
Q: I live in CA and I was in an accident at the end of Oct. It was a hit and run later to find the guy ... A: Anytime your insurance pays for the repairs to your car, it is subject to your deductible. So you ...
auto insurance coverage lapse	11/21/2008
Q: My auto insurance coverage lapsed due to non-payment for a period of 20 days. I had mailed a ... A: It is not possible to back date an insurance policy. If you have an appeals process available to ...
Special Investigation	11/21/2008
Q: I recently was involved in an incident that occurred under very unfortunate circumstances. Due to ... A: In most cases the insurance company has 30 days to investigate and either pay or deny the claim. ...
claims adjustment proceedure	11/20/2008
Q: My vehicle was struck by another recently. I found out today that his insurance is going to require ... A: That is completely wrong. You should tell them that they should come to you because you are not ...
Parking lot accident	11/20/2008
Q: I was recently in a small accident in a parking lot in PA. I was reversing down an aisle to back up ... A: If the lane you were traveling in the parking lot was one way, then the other driver had no ...
What Steps should i take?	11/20/2008
Q: Hell, i have a question and how i should persue something. i was in the process of selling my ... A: You should have been listed on the title as a lienholder and you should have required your friend to ...
input on an accident - car pulling out of gas station hit my car on the passenger side	11/19/2008
Q: I hope I can explain this clearly. I am currently waiting to for USAA insurance to send an ... A: Yes. You should try to get a googls maps picture of the location. Provide all of your explanations ...
Auto Theft/Insurance Practices	11/19/2008
Q: My car was stolen on October 12th of this year and recovered 8 days later. It has exterior damage ... A: Don't even bother trying to find an attorney because none of them will take the case. Even though ...
input on an accident - car pulling out of gas station hit my car on the passenger side	11/19/2008
Q: I hope I can explain this clearly. I am currently waiting to for USAA insurance to send an ... A: Based on your explanation of events, I would have to agree with you. If the damage to your car only ...
stolen car insurance claim	11/18/2008
Q: My purse was stolen with my keys to my car among other things and a few days later they came to my ... A: The insurance company can not deny your claim due to your keys being stolen. However, it would be a ...
vehicle damage embursment	11/18/2008
Q: If I get into an accident and it is concluded it is not my fault and the other driver's insurance ... A: You are not required to have the vehicle repaired in most situations. One exception might be if you ...
Insurance	11/18/2008
Q: Can insurance companies put a chip in your car or truck to see how fare you drive? A: There are some companies that are experimenting with systems that determine how far you drive, how ...
No Fault - Borrowed Car	11/17/2008
Q: I was helping sell a car for my friend and someone else hit me while I was driving it. The other ... A: You are correct. Without proof that you were at fault there is nothing that your friend can do to ...
Insurance Claim	11/17/2008
Q: I was rear-ended twice at a downhill angle by the same person. The accident wasn't too bad and my ... A: I'm sorry you're having to deal with this. Many claims adjusters are trained to limit claims at any ...
total loss	11/17/2008
Q: recently my vehicle was totaled or thats what the insurance company said. what happen was i had my ... A: You have to fight. First you should demand that they provide you a copy of the documentation they ...
No Fault - Borrowed Car	11/16/2008
Q: I was helping sell a car for my friend and someone else hit me while I was driving it. The other ... A: What a mess. First of all the other driver is at fault and he is the one responsible for payiing ...
Written Repair Estimate Never Provided	11/16/2008
Q: I was involved in a minor collision with my 11 year old Maxima and found myself knee deep in ... A: In a total loss situation you are not entitled to receive a copy of the repair estimate. The ...
questions	11/16/2008
Q: My car was hit on the parking lot belongs to CVS.What funny -parking was empty-8a.m.I was in the CVS ... A: I'm not sure what your question is but I will do my best. If there are no witnesses to the ...
auto insurance	11/15/2008
Q: Sold my car to a guy that paid with a stolen check.Buy never insured car and used it in a criminal ... A: If there was still coverage on the car and the sale transaction was voided due to the stolen check, ...
Another Rear-End Question	11/15/2008
Q: I read one of your answers to someone else about a rear-end collision and found it very helpful. My ... A: Do not panic. Your insurance company is required to send you the notice that they sent you. Your ...
no fault accident	11/14/2008
Q: My daughter was ran over by another driver on a 2-lane one way street. She was orginally cited, but ... A: In this type of situation you should let your insurance comapny handle the claim. They will then ...
Settling a total loss claim -- bill of sale / power of attorney	11/14/2008
Q: I was involved in a car accident in New Hampshire, where I live. I filed a claim with the other ... A: All of this is normal. The $3200.00 figure is only an indication of the value of the vehicle not the ...
insurance buy back of totaled motorcycle	11/14/2008
Q: I am currently waiting on the insurance company to declare my bike totaled. What can I expect the ... A: A total loss is generally declared when the cost of repairs is more than 70% to 80% of the value of ...
backing to gas pump	11/13/2008
Q: I was rear ended by a driver as I backed to a gas pump the driver was coming into the gas station ... A: This is a dificult situation. Since the other driver has an independent witness, his story would ...
Rear Ended	11/13/2008
Q: I recently rear ended a bus, and it simply took off. I dont know if they felt my 'bump' or not. ... A: Your insurance comapny will ask you to identify the bus that you hit. Was it a city bus or a school ...
liability	11/13/2008
Q: After my boyfriend was working on my car,it wouldn't start. He had it towed with the rear end ... A: Although it it likely that the damage was caused from the vehicle being towed, it is unlikely that ...
Diminished value	11/12/2008
Q: I live in Ohio and had a run in with a deer in my BMW. Extensive damage. Does Ohio require payment ... A: By "DM" I assume you mean DV (Diminished Value). In the state of Ohio, you can not claim diminished ...
auto insurance coverage	11/12/2008
Q: Is there a way insurance insiders insure teens, I have twins breaking the budget for auto insurance? ... A: I feel your pain! Unfortunately, there is no easy answer. It is not an insider trick. The things ...
no fault auto accident	11/11/2008
Q: Cars on (2 Lane) Highway were coming to a stop. I was almost at a stop when a Hummer changed lanes ... A: It is completely up to the insurance company to repair or total the car. It it can be repaired for ...
Processing a Claim without Approval	11/11/2008
Q: A few month's ago I did some minor damage to a car while parked in a parking lot. Since the damage ... A: Yes. thay can do that. Anytime a claim is presented to an insurance company they are required to act ...
Auto insutrance and Title of Car	11/10/2008
Q: My aunt co-signed for my car so both names are on the car title and registration. Both of our names ... A: As long as your aunt's name is on the title and registration, she should be listed on the insurance. ...
Bodily Injuring Claim still open after six months	11/9/2008
Q: Six months ago, I rear-ended a vehicle at a stoplight. The accident was my fault. At the time of ... A: You have nothing to worry about. Your insurance comapny will handle the settlement within your ...
Got new damage on the same part ever claimed before	11/9/2008
Q: My car bump slightly hit the other vehicle about one year ago. The other car had no damages. Only my ... A: It is because it was not fixed from the first incident. If you had repaired or replaced the bumper ...
Friends Stole care	11/8/2008
Q: So the other night my car was stolen as I was walking to it. It was found later that night crashed ... A: You said that you wanted to pay for the repairs out of pocket. So go ahead and do so. Take your car ...
No Insurance	11/8/2008
Q: A few months ago, I was pulling out of my apartment complex (turning left, heading east). It was ... A: The insurance company can do what ever they want to which includes: waiting to see if you eventually ...
incomplete collision repairs	11/7/2008
Q: I was in a wreck early 2008 in heavy traffic I was completely stopped on a major highway my vehicle ... A: Your attorney is wrong. You absolutely have recourse, although it may be a difficult process. If the ...
accident claim	11/7/2008
Q: I was in a n accident not long ago, & my insurance told me my payment was late & they wouldn't cover ... A: It sounds like State Farm just did not want to deal with this any more so they sold your debt to a ...
Insurance Claim investigation	11/7/2008
Q: My car was in an a accident, however I was not the driver but the passenger. When I called to make ... A: Yes your insurance company should cover the claim regardless of who was driving. The only exception ...
Concrete through windshield on Interstate	11/6/2008
Q: First of all, thank you for your time and effort in offering this valuable service. My husband was ... A: You should make the claim on your insurance policy. This will be considered a comprehensive claim ...
auto insurance	11/6/2008
Q: I live in MN. Let's say I own 2 vehicles one is insured the other is not. I drive the uninsured ... A: The answer to your question is actually in the question itself. One car has insurance and one car ...
Auto Accident - possible fraud?	11/5/2008
Q: I was in an auto accident about a week ago. I filed a claim with the other drivers insurance ... A: Unless the vehicle owner is willing to prosecute his brother for stealing the car, the insurance ...
Left turn, got hit on solid yellow line curb lane	11/5/2008
Q: "I was leaving from my condo's exit, heading southbound of the street by turning left, it was in ... A: Based on your description of the events and the position of all of the vehicles, it would seem to be ...
Insurance claim	11/4/2008
Q: Last week when I was about to park in between 2 cars in out apartment complex' parking lot; the car ... A: I'm sorry for your situation. Unfortunately, there is not much you csn do except wait for the ...
Approach to expressway	11/4/2008
Q: I was going to make a right turn onto an expressway from a cross street. A small car went by me on ... A: You have many questions here, however, all of then are moot. The law states that the person with ...
Accident/Insurance	11/4/2008
Q: ok so I really really need help. I am a 19 year old college student and this year was my first year ... A: This is a difficult situation. The only thing that I can think of is for you to report your vehicle ...
Do I have to get my car fixed?	11/3/2008
Q: Someone backed into my car and left the scene. My insurance is paying the claim under my UIM ... A: There is no requirement to have your vehicle repaired. However, if you have a loan on your car the ...
car accident	11/3/2008
Q: i went to the hospital in an ambulance when i arrived i waited around didn't feel i was hurt and ... A: Considering the length of time that past until the time you began experiencing pain, it will be hard ...
making claim against two companies?	11/1/2008
Q: My son was in an auto accident which resulted in his car being totaled. He was hit from behind on ... A: Auto insurance follows the vehicle not the driver. So only the insurance that covers the truck would ...
hit parked car	11/1/2008
Q: i hit a parked van while making a right hand turn. no one was in the van. there are no injuries ... A: This will depend on the actual wording of your insurance policy. Some policies have a specific ...
Will our old car insurance take care of this?	10/31/2008
Q: Two years ago, my husband was involved in a car accident (nothing serious). He was driving his ... A: Auto insurance follows the vehicle not the driver. So it would actually be the friends insurance ...
Fault in Arizona	10/30/2008
Q: My son was rear ended by a semi-truck on an Arizona freeway. He did not have any collision coverage ... A: You need to take control of this situation. Stop talking to the adjuster on the phone. You need to ...
UIM	10/29/2008
Q: I was rear-ended (hit and run) at a stop light while on my motorcycle. I was thrown 15 feet into the ... A: You need to understand that when you make an uninsured mororist claim, your insurance company is ...
Bodily Injury reasonably expectations in California	10/29/2008
Q: Mr Hixenbaugh, In the year of 2008 I was rear ended at about 25 MPH while I was parked. Total ... A: There is a great website you should visit: www.collisionwizard.com . The website is produced by the ...
Who does the check go to	10/28/2008
Q: when the insurance company has made the decision to total out your car & the car is still being ... A: If the total amount that is being paid is more than the balance of your loan, the insurance company ...
Accident in driveway	10/28/2008
Q: I backed into my wifes car while backing out of the driveway. I did not even make it all the way ... A: Before filing a claim you should take both vehices to your chosen body shop to get an estimate of ...
ins. question	10/27/2008
Q: My son has had his license a little over a month.We were camping and getting ready to leave, we let ... A: In the state of Washington you have both MedPay and PIP coverage available. You will have to refer ...
ins. question	10/27/2008
Q: My son has had his license a little over a month.We were camping and getting ready to leave, we let ... A: Depending on the state in which you live, there are a few alternatives. If you have Personal ...
Insurance Claim...Totalled Stolen Vehicle	10/27/2008
Q: My 1996 Oldsmobile Aurora was stolen and found in a ravine. I had a brand new engine put in the ... A: The claims adjuster is an idiot. Of course a brand new engine will increase the value of the ...
rear end collision- claim denied	10/26/2008
Q: I live in Washington state and was recently rear ended at a stop light, I was stopped, the person ... A: You are correct. When someone hits you from behind they are at fault. Except when someone hits them ...
Personal Injury Settlement Amount	10/26/2008
Q: I was involved in a auto mobile accident other driver was at fault. Ive suffered multiple injuries ... A: As I already explained, if his insurance is 100/300 then the limit you can receive from his ...
Personal Injury Settlement Amount	10/26/2008
Q: I was involved in a auto mobile accident other driver was at fault. Ive suffered multiple injuries ... A: If you have an attorney, you should be directing all of these questions to your attorney. If you ...
Rear ender driver does not have coverage	10/25/2008
Q: I was involved in a rear ender, in California, and the other driver fraudulently gave me a policy ... A: Since this is an uninsured motorist claim, your insurance comapny will not pay for medical expenses ...
Follow up-Does the state of Utah have the diminished value law for 3rd party?	10/25/2008
Q: You said, “You have the right to be made whole. If the repairs to your vehicle did not restore the ... A: There have been no cases that I have found in Utah regarding diminished value. Any time you are ...
Friend drove my car and crashed it	10/24/2008
Q: I let my friend drive my car back in January 2008 and he crashed it, claiming it was because of the ... A: Auto insurance follows the vehicle not the driver. So in this case it would be your insurance that ...
Fully Covered	10/24/2008
Q: I had auto insurance from the car dealership in order to drive off the lot with the car and got into ... A: The comprehensive & collision coverage from the dealer only covers damage to your car. You are ...
Insurance Claim Denied	10/24/2008
Q: Someone has filed an insurance claim against me stating that i re-ended his vechicle and i have ... A: If the accident actually happened, you must tell your insurance comapny the truth. You can tell them ...
auto claims	10/23/2008
Q: I was in a car accident lately where the other driver admitted to the fault of the said accident. My ... A: The insurance adjuster will inspect the car, take photos and write a preliminary estimate of the ...
Auto Claim	10/23/2008
Q: i was in an auto accident in august of this year and his insurance has claimed liability they have ... A: If you were not injured you did not incur any pain or siffering. Therefore you can not make a claim ...
declared a total loss	10/23/2008
Q: i was in accident two week ago and it was not my fault other driver cut me off he was get on the ... A: The insurance company is responsible for paying the actual cash value of your car. The amount you ...
diminished value of vehicle	10/22/2008
Q: does the state of Utah have the diminished value law for 3rd party? A: There is no legislated law regarding diminished value in any state in the country. All diminished ...
Minor Hit & Run in a Private Property (CA)	10/21/2008
Q: A few days ago, my car was hit in its rear left corner while I was at work. There was no note, nor ... A: If you have uninsured motorist properety damage coverage on your policy you can file this as an ...
fair market value....what am i entitled to	10/21/2008
Q: I recently purchased a 2004 Ford explorer XLT on 9/18/08. Unfortunately, my vehicle was totaled due ... A: Insurance companies utilize the services of an outside company to do vehicle valuations. You should ...
Parked car was hit -need response ASAP	10/20/2008
Q: My car was hit by another car. I have no collision. His insurance totaled my car and is going to ... A: I used to live in Brooklyn myself. Unfortunately, the insurance company is correct. Once they pay ...
Insurance company and uninsured claim	10/20/2008
Q: My boyfriend backed out of the driveway and hit another car. His insurance had lapsed, though he is ... A: The insurance company will not notify the state or the police. However, they will be comming after ...
Lease car totaled	10/19/2008
Q: Yeasterday, my daughter's boy friend drove my leased Mercedes(V.Low mileage two months to expire 4 ... A: This claim will be paid by your insurance company. Auto insurance follows the car not the driver. If ...
Backing out of parking spot accident	10/19/2008
Q: I was backing out of a straight in/out parking space today when another driver and I collided. There ... A: Parking lot accidents are some of the most difficult to determine liability. In most cases it will ...
motorcycle accident	10/18/2008
Q: i was recently cut off by a driver in florida,resulting in my motorcycle being totaled and myself ... A: Yes. Just because your license was suspended does not remove the other drivers liability for the ...
Very important question!! Family issue!!	10/18/2008
Q: i got in an accident not to long ago, and it was in my own house with my own in-laws, not we do not ... A: Veronica, Even though the damage may have been minor, body & paint work are very expensive. $600.00 ...
Reading estimate	10/18/2008
Q: Can you show me an actual estimate for hail damage to the roof of an suv. I primarily just want to ... A: I do not have a hail damage estimate to send you. However, you should ask the insurance company or ...
windshield hit by stone	10/17/2008
Q: A stone flew up and hit my windshield sometime in spring. I didn't see any mark until early summer ... A: In most cases the windshield is covered, however it may or may not be subject to your deductible. ...
car crash	10/17/2008
Q: Hey. I live in canada and my insurance company is run by the goverment a buddy of mine crashed my ... A: No. If they are offering you $2,000.00 it is because your car is only worth $2,000.00. They are only ...
I was hit by a motorcycle	10/16/2008
Q: It has been 3 years. I and about 13 children were disbanding from a hometown holiday parade when a ... A: This is a hard situation. Without proof of an injury that would result in pain & suffering, it is ...
car crash	10/16/2008
Q: Hey. I live in canada and my insurance company is run by the goverment a buddy of mine crashed my ... A: First you have to determine what are your damages. Your friend is obligated to pay you (through his ...
Accident while under suspended license	10/15/2008
Q: My boyfriend was in an accident last night. The other car ran a red light and smashed into him. He ... A: Your boyfriend is entitled to be fully compensated for all damages and expenses. He may be in ...
Parking lot accident	10/15/2008
Q: Four months ago i accidently scratched someone else's car on at a parking lot. As a civilized ... A: You will have to ask for an in person meeting with him and his car. You should bring a digital ...
Praetorian Insurance Company	10/15/2008
Q: I cant find any Numbers to file a claim with Praetorian. My car was hit by a diesel truck and the ... A: Below is the contact information for Praetorian Insurance Company from the Washington Insurance ...
Parking Lot Hit & Run	10/14/2008
Q: My question pertains to a hit and run in a parking lot. I saw a question answered earlier with a ... A: I do not know the exact question to which you are referring, however, what I told you is the common ...
Accident, I got ticket but not at fault	10/14/2008
Q: In a recent accident, I was ticketed for improper lane change. I went to court and was able to ... A: This is going to be a very difficult thing to unwind. First you will want to file a formal complaint ...
Parking Lot Hit & Run	10/14/2008
Q: My question pertains to a hit and run in a parking lot. I saw a question answered earlier with a ... A: Although you have stated what happened to your car, the insurance comapny will likely not believe ...
Wiring in Steering wheel fire	10/13/2008
Q: I was wondering if the wiring contained in my steering wheel that burnt, and in turn caused my turn ... A: It will have to be determined the exact cause of the fire. The part that initially caused the fire ...
Accident	10/13/2008
Q: I was involved in auto accident about 10 days ago. My claims rep has not contacted me first. I don't ... A: If it is determined that the other driver was at fault and his company accepts liability, then they ...
Appealing a surcharge	10/12/2008
Q: I was recently involved in a car accident. There was a jogger coming toward me on the side of the ... A: You can certainly try to appeal. However, you will likely not win. You are required to always be in ...
Parking lot accident	10/11/2008
Q: I had an accident today in a parking lot that has one way traffic. I was pulling out of my spot ... A: Parking lot accidents are some of the most difficult to determine liability. In most cases liability ...
Keys left in stolen car	10/11/2008
Q: My granddaughter and her friend stole a car. The keys were left in the car at gas station. It ... A: I do not understand what they are suing you for. If they only drove the car 2 miles and parked it, ...
Will my insurance cover my medical bills	10/11/2008
Q: I have liability and comp on my car (not full coverage) We were involved in a rollover accident, no ... A: Different states have different coverage on the auto policy. Some states have Medical Payments ...
Auto Insurance and Health Insurance Paid - Contractual Adjustment Apply?	10/10/2008
Q: I was in an auto accident and have settled with the other driver's insurance company. I have paid ... A: You just need to write to them explaining the situation and telling then that your health insurer as ...
auto accident	10/10/2008
Q: I was driving in Kansas,The line of traffic was slowing down, their were 4 cars involved, The lady ... A: This is a big problem. Since you had no insurance at the time of the accident you will have to pay ...
auto claim	10/9/2008
Q: Hey Richard, I am a physician in ohio. I treated a patient for an auto accident, her attorney ... A: Unfortunately, I am not specifically familiar with Ohio law as it pertains to this situation. ...
DUI Suspended license	10/9/2008
Q: My friend recently bought a car in his Dads name, totaled it in an accident driving DUI on a ... A: If the insurance company pays the claim they will pay the fair market value of the car. They are not ...
Insurance claim	10/8/2008
Q: I was sitting at a red light and a car rear ended me a couple month ago. Ambulance took me to the ... A: Generally, an injury settlement for soft tissue injuries will be 2 to 3 times the total of the ...
minor involved auto accident	10/8/2008
Q: My 15 year old son ran a stop sign on his bicycle and hit a car damaging it slightly as well as his ... A: Unfortunately, as a parent you are responsible for the actions of your child. No fault has nothing ...
under insured letter	10/7/2008
Q: My sister was in a car accident and she needs to send a letter to her insurance company alerting ... A: Your sister can simply call the claims department of her insurance company. She should tell them ...
diminished value	10/7/2008
Q: I was involved in a car accident on sep 21st. my car was damaged and sent to car body shop for ... A: Yes you are entitled to be paid for diminished value if there is a diminished value. This will ...
Claim question	10/7/2008
Q: I have full coverage comp/coll. on my truck and I backed into a tree. Will the insurance company ... A: Yes, your insurance comapny will pay for the cost of repairs less your deductible. You do not need a ...
car accident	10/6/2008
Q: was involved in a car accident 9/15. I was a a complete stop, it was a 20 mile/hr corner and I got ... A: You can file a law suit if you want to. However, just as you have said that you have no money and ...
Motor Claim	10/6/2008
Q: As i approached she pulled out in front of me and i hit her rear offside. My car was totalled and i ... A: Unfortunately, you have not asked any questions here for me to answer. However, if you are simply ...
Adjusters offer	10/6/2008
Q: Two years ago I was in a "head on collision" where a phantom driver swerved in front of another car ... A: Since you were not at fault, there should be no affect on your policy. It does sound accurate that ...
Parking lot accident.	10/5/2008
Q: Hey Richard, I was recently involved in a parking lot accident and was wondering if you could help ... A: Parking lot accidents are some of the most difficult to determine who is at fault. Both drivers have ...
Stolen and Recovered car	10/5/2008
Q: My paid off car, a 2002 Dodge Intrepid has 72K miles. It was stolen and recovered after just one ... A: The insurance company will issue the check to you for the repairs. What you do with the money is ...
Insurance premium change	10/5/2008
Q: I had 2 accidents within a period of 3 months. I was at fault for the first one. I am told that i am ... A: If a claim is made to your insurance company for the second accident, they will pay the claim. It is ...
settlement	10/4/2008
Q: was injured in a hit and run a little over 3 years ago. I ended up with 5 herniated disc. My ... A: The settlement with the insurance company will be a one time lump sum settlement. You should be ...
insurance claims/reimbursement	10/4/2008
Q: My son was shooting at some birds with his b.b. gun and a vehicle passed by at the same time he shot ... A: Unfortunately you will be required to pay the money. As a parent, you are legally responsible for ...
Est way below actual cost to repair & Diminished Value	10/4/2008
Q: I live in NC and was involved in an auto accident 4 months ago, in which I was declared the ... A: Since you were deemed to be at fault, you are dealing with your own insurance policy. In North ...
auto accident in KS expired insurance	10/3/2008
Q: My son-in-law was rear ended this morning and exchanged insurance info with the other driver. No ... A: I'm assuming that you meant that your son-in-law's insurance was cancelled. This is no problem. Your ...
am i gettin screwed	10/3/2008
Q: I was rear-ended a month and a half ago. After many unreturned phone calls over the weeks about why ... A: It is the job of an insurance company to minimize claims. in your case it sounds like your vehicle, ...
Rental car accident	10/2/2008
Q: I was hit from behind in a rental car by an uninsured driver (who claimed to be insured at the time, ... A: As the renter of the car you are responsible to the rental company for any damage. You will have to ...
Car insurance for recently married daughter	10/2/2008
Q: my 18 yr old daughter covered on our auto policy recently got married. is she still coveredunder ... A: You should call your insurance company to remove her from your policy. As long as she now live ...
minor parking lot accident	10/1/2008
Q: I was backing out of a parking space at the mall the other day and I was toward an end spot. An ... A: Unfortunately, many insurance companies will increase your rate just based on the fact that the ...
parked car hit & totalled..too young to rent car?	9/30/2008
Q: my parked car was hit and totaled today. I will be putting the claim thru to the womans' insurance ... A: Unfortunately, your loan has nothing to do with what the insurance company will pay. If the car is ...
Problem reaching settlement of "classic" stolen vehicle	9/29/2008
Q: My daughter's fully restored 1958 Volkswagen Beetle was stolen after 5 months of ownership. The ... A: The first thing that you have to understand is that the insurance comapny has no interest in ...
auto insurance lawsuit	9/29/2008
Q: i had a accident in 2001 it was my fault. i got a phone call friday afternoon that the person that i ... A: The statute of limitations is different in each state but generally runs from 2 years to 6 years ...
Medical Emergency	9/28/2008
Q: While stopped at a red light, a motorist hit me. The driver was having a seizure. His insurance ... A: Unfortunately, when a person has a siezure or a heart attack and causes an accident, they are not ...
Auto Insurance Claims	9/28/2008
Q: my husband was driving when the car next to him was spending went out of control and he hit him in ... A: When you get the police report, you should call the other drivers insurance company. They will take ...
denial of payment to a claim that wasn't at fault	9/27/2008
Q: my daughter was in a car accident that had a police report and it stated she wasn't at fault. the ... A: First you need to get from the other insurance company a written detailed explanation of why they ...
How do I prove who was at Fault in a parking lot accident?	9/26/2008
Q: Auto accident happened 7/7/08 in Florida. My insurance company GEICO says the other driver is 100% ... A: Parking lot accidents are some of the most difficult to determine liability. In most cases liability ...
Small Insurance Claim	9/26/2008
Q: I was a passenger of an accident in CA in late July. My boyfriend and I had just left for vacation ... A: Since there is no doctor visit, there is no proof of an injury. You should explain to the m the pain ...
How long does the insurance company have to pay me	9/26/2008
Q: Richard, My car was in an accident in April of this year. I placed the claim through my full ... A: In most states the insurance company has 30 days to either pay or deny the claim. You should send a ...
Motorcycle	9/25/2008
Q: I was turning left onto an overpass, looked both ways seeing nothing, but turning left I saw a ... A: Yes you can fight this. You should tell your insurance company that you have an independent witness. ...
Gap Insurance	9/25/2008
Q: My car was stolen and then found but, was considered a total loss. My insurance company paid the ... A: This is a very serious situation. The car note is still due until they receive full payment. The ...
charge for old repair	9/25/2008
Q: Last winter, my wife hit the right back bumper against a guard rail during a snowstorm. Little ... A: Each incident is seperate. If the only way to fix the damage from the second accident is to fix the ...
Insurance settlement	9/24/2008
Q: Our BMW in San Diego was backed into at a grocery parking lot and took pictures at scene.Other ... A: You should take the vehicle to the shop of your choice for the repairs. You should give the shop a ...
Auto Accident with Injury	9/24/2008
Q: I was in a car accident in the state of VA on August 7 where I rear ended. I am under a chiropracter ... A: There is a great website for those "do it yourselfers" out there. It's www.collisionwizard.com . The ...
unfair liability decision	9/23/2008
Q: I was driving when I struck the divider due to the weather. My car was then disabled sideways in ... A: No. It does not sound like the second accident was your fault. Your vehicle was disabled, you got ...
Motorcycle theft.	9/23/2008
Q: I reported a theft claim on june 22, 08 to progressive insurance, and just spoke to the claims rep. ... A: S., If the insurance company has sent you a "Reservation of Rights" letter they can continue the ...
Validity of a witness	9/22/2008
Q: Can someone who is in their car viewing an fender bender from their rear view mirror be a valid ... A: Unfortunately, there is no way that I can tell you what someone else may have seen or not seen. It ...
Insurance	9/22/2008
Q: The at fault driver won't contact her insurance company. As a result the insurance company can not ... A: If there was a police report you should obtain a copy of the police report and send it to the ...
Not my fault in accident	9/21/2008
Q: In a mall there was lot of traffic and vehicle were moving at 5 miles. 1 lady hit my car while ... A: The person at fault may be indicated in the police report. Sometimes the police officer is not able ...
Not my fault in accident	9/21/2008
Q: In a mall there was lot of traffic and vehicle were moving at 5 miles. 1 lady hit my car while ... A: If the police made a report, the lady's insurance information will be on that report. You should ...
Question about dealing with insurance company claims	9/20/2008
Q: My 1999 Oldsmobile Silihuette Van was parked on a public street. A school bus that was parked on an ... A: The value of your van may or may not have been increased by the work you had done. It will depend on ...
auto accident	9/20/2008
Q: I was in a car accident in July 2007.Ive done had sugery on my lower back,and the doctor said i can ... A: Based on your question, I assume someone else was at-fault for your accident and that their policy ...
no fault pasenger ( auto claim)	9/19/2008
Q: I was a no fault passenger in a car accident with my sister, the police couldnt determine whos fault ... A: You were not very clear in your questions but I will do my best. Each state has different rules ...
Miscellanious Accident Expenses	9/19/2008
Q: I was recently rear ended while driving my son's pickup. My daughter who was in a similar accident, ... A: I have never heard of this. What each company will do or not do is determined by the specific ...
rental reimbursement and bad faith	9/18/2008
Q: I was recently in an accident on August 13, 2008. The other driver was at fault and recieved a ... A: Some insurance companies intentionally operate on the brink of bad faith all the time. They do this ...
At-fault driver refuses to provide insurance information	9/18/2008
Q: A few days ago my neighbor reversed his Escalade into my 2008 Audi, causing around $2000 damage ... A: You will not forfeit any claim. If your neighbor wants to pay out of pocket that is ok. You should ...
Hit and Run	9/17/2008
Q: I just bought my car, haven't even made the first payment. There's only liability coverage though ... A: If the car was financed you must have collision coverage or the finance company will buy it for you ...
not at fault but being blamed	9/17/2008
Q: Someone turned left in front of me in a parking lot yesterday and crashed into the right front ... A: This is a classic he said - she said. Unless you have an independent witness it is unlikely you ...
not at fault accident with suspended license	9/16/2008
Q: i was recently in a not at fault accident - no question...i was stopped at a red light when another ... A: You should call her insurance and report the claim. If you do not have the info then call her to get ...
not at fault accident with suspended license	9/16/2008
Q: i was recently in a not at fault accident - no question...i was stopped at a red light when another ... A: Not to worry. The fact that your license was suspended has no bearing on the fact that the other ...
No Resolution to my Claim	9/15/2008
Q: I was involved in an auto accident about 2 months ago where I was making a left hand turn and the ... A: Since the other person has an attorney and is refuting liability, there is nothing you can do to ...
Backed Into A Parked Car	9/15/2008
Q: Richard, I backed into a parked car in a parking garage earlier tonight and smashed my left tail ... A: If this claim is placed through your insurance, it will be considered an at-fault event which may ...
bumped a pedestrian	9/14/2008
Q: My son was stopped at a crosswalk and a 12 year old girl was on the left side of the crosswalk ... A: The determination of who is at fault will depend on the statements that both you and the girl ...
Opened Car door at light- Door hit, by another driver	9/14/2008
Q: I hope you can help me. I was at a light (6th car or so in from light) on road with 3 lanes. I was ... A: I think if I were you I would try to fight this. You were obviously stranded, had your flashers on ...
Rear-ended	9/13/2008
Q: Can I prove that I wasrear-ended by the damage on my car? I wasrear-ended but the person that hit ... A: You can try to use the text messages if there is a way to show them to her insurance company and be ...
child with soft tissue injury	9/13/2008
Q: My 4 year old son and I were rear-ended almost 2 months ago. We were at a dead stop and the other ... A: Double the medical bills is very reasonable. However, ther are 2 things you should consider; 1) you ...
Rear-ended	9/12/2008
Q: Can I prove that I wasrear-ended by the damage on my car? I wasrear-ended but the person that hit ... A: Unfortunately, this is a classic he said...she said situation. Just be firm in your argument. Tell ...
Auto Accident	9/12/2008
Q: My 19 year old daughter, who is insured on my policy, was involved in an accident. She was in the ... A: If as you state you have a police officer who witnessed that the truck hit your daughter and forced ...
Claim Question	9/11/2008
Q: I was involved in a wreck on my motorcycle where the other party made an illegal turn and I hit them ... A: Yes. The insurance company is responsible for paying for a comparable vehicle to one that was ...
Motorcycle theft.	9/11/2008
Q: I reported a theft claim on june 22, 08 to progressive insurance, and just spoke to the claims rep. ... A: S., Most states have a time limit of 60 days for theft claims. The insurance company can extent ...
Small Claims Court Against Insurance Company	9/2/2008
Q: I was in an auto accident over a month ago where a woman hit me from behind and her insurance ... A: First of all you can not sue the insurance company. You would file suit against the at-fault person ...
Insurance not paying claim	9/2/2008
Q: I was hit from the rear over a month ago on vacation. I was stopped and heard tires screaching ... A: Unfortunately, waiting it out is your best and fastest option at this point. Your primary target ...
Rv used as tour vehicle hit by driver who fell asleep	9/1/2008
Q: My name is Dom, I own a small business and A big part of it is traveling nationally usually around ... A: Unfortunately, there is no quick process. You need to find a body shop that will work on this thing. ...
Hi Richard! I have a question about auto damage and possible injury.	8/31/2008
Q: Perhaps you can help me. I was stopped at a red light in my 2004 Hyundai Elantra for a good 30 ... A: Obviously there is no way I can tell you how fast the truck was going. I was not there. However, it ...
State Farm problems.	8/31/2008
Q: I had my motorcycle stolen on July 24, 2008 and I was wondering how long they have before they have ... A: In most states, an insurance company has upto 60 days to investigate and either pay or deny a theft ...
Auto Insurance and Accident	8/29/2008
Q: I was hit in the rear at a stop light and hit the car in front of me. The guy who hit me took off. ... A: You should not pay him anything. You were not at fault for the damage. If he is also aware that ...
Advice needed : )	8/29/2008
Q: I was recently rear ended. The collision damaged the unibody (sp?) and the insurance company ... A: In addition to the cost of repairs, you are also entitled to be paid for the loss of value to the ...
geico settlement	8/29/2008
Q: My daughter was sitting at a street light and was rear ended by a geico driver. I was told the ... A: I'm sorry your daughter had to go through this. Under the circumstances, with over $45,000.00 in ...
Auto Insurance claim	8/28/2008
Q: I drive a scion XA 2006. I was involved in an minor accident near my house when an older lady was ... A: If you did not get any of the ladies information and there was no independent witness, your ...
gap insurance denies claim	8/28/2008
Q: my truck rolloed over and was totaled by my personal auto ins. but it didnt cover all the balance so ... A: The thing that determins whether or not they have to provide coverage is the actual wording of the ...
shoulld I sue insurance company	8/27/2008
Q: Richard Hixenbaugh: At Feb. 28, about 6 clock,one teenage girl hit my car in my driveway, her ... A: You would not sue Allstate at all. If you file a law suit it would be against the girl who was ...
Enterprise Rent-A-Car	8/27/2008
Q: My car was hit while parked in a parking lot by an Enterprise rent-a-car. We got the license plate ... A: Unfortunately, the only way to get the information out of enterprise is to hire an attorney to file ...
Liability and getting an Insurance Company to pay	8/27/2008
Q: I was in an accident with another vehicle. Because real fault was not determined by the police at ... A: At this point your issue is with your insurance company not the other parties company. If your ...
Car Accident	8/26/2008
Q: At a stoplight my son's car was hit from behind. The guy who hit it insurance company said the ... A: Unfortunately no. The decision to repair or total a car is soley up to the insurance company. If the ...
Quick Question	8/25/2008
Q: A "jiffyLube" here in Las vegas, NV has detroyed our transmission, according to two ASE certified ... A: You should send the owner or nmanager of the shop a demand letter by certified mail.return receipt ...
Auto Accident While Delivering PIzza	8/24/2008
Q: My brother was in an accident whiile delivering pizzas for a restaurant chain. He had an accident, ... A: This is a common problem. The standard personal auto policy does not coverage damage that is caused ...
Working with at fault Insurance Agency	8/24/2008
Q: Richard, I live in Texas. Background: I own an older car, was hit and I am going through the at ... A: Unfortunately, the decision to repair or total a car is solely up to the insurance comapny. You, the ...
auto accident entitlements	8/24/2008
Q: i was in a accident when a guy ran a stop sign and totaled my caravan . my caravan is a 1998 and i ... A: The rebuilt trans mission will add some value if it was done within the last year. You will have to ...
auto accident	8/23/2008
Q: I was recently in an auto accident. The other driver was ticketed for failure to yield. I was not ... A: Insurance companies will often try to reduce the amount they will have to pay by placing a ...
Computer laptop issue with insurance	8/23/2008
Q: We have never had a claim before but in April had a hot water heater explode. We had alot of damage ... A: This is standard for insurance companies. They assume that every claim has fraud in it and that you ...
car accident	8/22/2008
Q: A man crashed into the rear of my car in a MacDonalds drive through and he is saying that I reverse ... A: Unfortunately, when ther are conflicting stories and both parties are insured with the same company, ...
prior damage on a totaled car	8/22/2008
Q: My leased car was recently totaled due to a car accident. I recieved a bill from the leasing ... A: If your insurance company made a deduction from the value of the car for the prior damage which ...
start my own appraiser business	8/21/2008
Q: I sound very similar to the gentleman in Florida. I have all these years of experience and knowledge ... A: If you have the experience and know how to write a repair estimate using one of the 3 major ...
stolen vehicle with salvage title	8/21/2008
Q: i had bought a vehicle back in january that had a salvage title but was rebuilt and in perfect ... A: This is standard procedure in any theft claim. The insurance company always assumes that the owner ...
Total Loss Replacemet	8/20/2008
Q: My car was in an accident, in GA. They are saying it is a total loss. Is there a law in GA that ... A: I understood your question. The insurance company is required to pay you the fair value of your car. ...
Total Loss Replacemet	8/20/2008
Q: My car was in an accident, in GA. They are saying it is a total loss. Is there a law in GA that ... A: The insurance company is responsible for paying you the fair market value of YOUR vehicle. Not ...
FIRE	8/19/2008
Q: In early Mar. I had a seizure while driving. My insurance comp. recommended and took my truck to a ... A: Not necessarily. To determine the actual diminished value you would have to hire a professional ...
FIRE	8/19/2008
Q: In early Mar. I had a seizure while driving. My insurance comp. recommended and took my truck to a ... A: You should tell the Lizard to crawl back into the swamp. If they are the ones that told you to go ...
settlement with multiple claimants	8/18/2008
Q: We live in Indiana. Two months ago my daughter was a passenger in an auto accident with 4 other ... A: The consequences will depend on a number of things such as the total amount of all of the claims ...
Insurance company won't pay total loss	8/18/2008
Q: My husband got into an accident recently. The other party was pulling out so my husband tried to ... A: The other insurance comapny is just trying to rip you off. You should let your insurance company ...
Unsure	8/18/2008
Q: I was cut-off by another vehicle when entering a gas station. He never stopped. In the process I ... A: Yes. Your insurance company will cover the damage subject to your deductible. Also, unless you have ...
Hippa Violation in NJ	8/17/2008
Q: What happen if the Automobile insurance company & Lawyers violates the HIPPA insurance law in new ... A: I have no idea what recourse you have due to a HIPPA violation. Since your attorney seems to be the ...
I need this question answered clearly as possible	8/17/2008
Q: I have a lawyer, but need to have this answer given clearly by someone who I believe can do just ... A: You should request a meeting of the insurance appraiser and the body shop manager at the body shop ...
Underinsured claims when death occured	8/16/2008
Q: My Husbands identical twin was killed on his motorcycle 3 weeks ago by an 18yr old who accidently ... A: I'm very sory for your loss. If your brother-in-law's policy has uninsured motorist coverage on it, ...
Driver At Fault Does not put in his Claim!	8/16/2008
Q: What can i do? when the driver at fault does not put in his claim after more than 3months of ... A: If there is a police report tat shows who is at fault, you should send it to the insurance company. ...
auto claims by subrogation team	8/15/2008
Q: I rented a car about a month ago and there was a crack caused by extreme heat on the windshield on ... A: I can not tell you specifically how to write a letter. You should simply tell the truth. State ...
storage fees and other problems	8/14/2008
Q: Hixenbaugh, I had an accident last February and my car was towed by an autoshop company. I signed ... A: I'm sorry you are having to deal with this. The counter suit fron the auto shop is just to try to ...
help with uk insurance	8/14/2008
Q: I’m looking for someone who can help me? I had a car accident last June were I ran into the back of ... A: I'm sorry you are having to deal with this. Unfortunately, I am not familiar with UK insurance or ...
Insurance estimates prior to going to 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: You have the right to select the body shop that you want to do the work. You do not have to obtain ...
One car Accident	8/13/2008
Q: In the state of Alabama, an insured motorist caused an uninsured motorist to crash into the ... A: Although you would think so, the reality is that unless there was an independent witness who could ...
comprehensive claim	8/13/2008
Q: I had my catalytic converter stolen from my truck, it was cut off in less than 30 mins while I was ... A: The property management company has no liability in this situation. Yes, you have to pay your ...
please help me.	8/13/2008
Q: greetings, my name is mel and i reside in California here is the situation: i drove my car after the ... A: Well, you didn't really ask a question but I will do my best. First you are responsible to pay for ...
Thinking about suing for wage loss.	8/12/2008
Q: I was in an accident in Minneapolis, MN on March 17 2008. I was driving through an intersection, and ... A: You should be able to receive compensation for lost wages that were specifically due to the ...
HIT BY BIKE	8/12/2008
Q: I was driving home when a bicycle made a left turn in front of me. In an attempt to avoid him I ... A: Based on your description of the events, it sounds like you have no liability. Any calls or letters ...
Axles broke, wheels fell-off accident	8/12/2008
Q: While my wife was on the highway, and the axles broke which caused the wheels to fall off. She lost ... A: No this is not correct. The insurance company does not have to pay to the part that broke, but they ...
Financial responsibilty for an unsured motorist	8/11/2008
Q: I was recently in a minor fender bender where I was at fault and rear ended another vehicle. It was ... A: Unfortunately, you must make the check payable to her directly. Although you are obligated to pay ...
Avg. collision repair cost	8/11/2008
Q: I was at fault in a fender bender collision while driving a Zipcar and they classified the accident ... A: There is no average cost of body work. The cost is in direct relation to the extent of the damage. ...
no police report	8/9/2008
Q: My wife and I were stopped at a red traffic light with a minivan in front of us on 6/22/08. The ... A: Since this has obviously benn reported to your insurance company, there is nothing you can do. Your ...
Small damage repair	8/8/2008
Q: My friend's car was parked and hit by another car. The collision left some damage, nothing major but ... A: I don't understand what difference this makes to you. It's your friends car, his insurance, his ...
Rental reimbursement to person, not rental agency	8/7/2008
Q: I was recently involved in a car accident and the other driver's insurance company has accepted ... A: Unless you actually rent a car from a real rental car company, you will not be paid for a rental. ...
Direct General Claims	8/7/2008
Q: Richard. I live in Ft Smith, Arkansas and has had an accident in March. The insurance company has a ... A: Your body shop should be calling the insurance comapny to request a supplement. The insurance ...
Paying for Rental Car after Total Loss	8/7/2008
Q: I was involved in an accident, which i was not at fault. My car was deemed a total loss. I had to ... A: The insurance comapny of the at-fault person owes you for a rental car from the date of the accident ...
accident,50% my fault sdip surcharge appeal	8/6/2008
Q: I was involved in a auto accident driving out of my driveway one year ago. My surcharge appeal is ... A: It is not possible for me to answer this question. The decision to surcharge is solely up to the ...
policy limit	8/5/2008
Q: I live in Oregon where I had a car accident on October 2006; I sent a demand letter asking for ... A: You should not sign the release form. If you sign the release form you will not be able to pursue ...
Driveway accident	8/5/2008
Q: I know the rules of road and insurance act states that whoever backs-up onto a roadway is at-fault. ... A: The claim rep and the adjuster is the same thing. Your company will defend you if you are sued. If ...
Truck fire and damage to driveway	8/4/2008
Q: I was delivering mulch to my church and parked in an adjacent private driveway to unload the mulch. ... A: This does not sound correct to me either. The only thing I can think of as to why they could deny it ...
Driveway accident	8/2/2008
Q: I know the rules of road and insurance act states that whoever backs-up onto a roadway is at-fault. ... A: Unfortunately, it sounds like everyone has decided you were at fault. You should call your claim ...
Confused	8/1/2008
Q: I bought a used 94 bmw 540i. about two months after I bought the car the transmisson stopped ... A: Auto insurance does not pay for ANY mechanical breakdown issues. The only time auto insurance pays ...
Verifying driver's liability cover	8/1/2008
Q: I have pursued by own claim against the insurer of a driver who caused injury to me. My claim ... A: In most states the other person is not required to disclose how much insurance coverage they have. ...
New car accident not at fault	7/31/2008
Q: My wife was in an accident for it was determined that she was not at fault. The other driver was ... A: Yes. You are entitled to be pad for the diminished value of your car. The amount of diminished value ...
Parked Car Accident	7/30/2008
Q: I'm so glad I found you a few weeks ago and now need your advice! Over the weekend our car was ... A: There are a few websites you can check to determine the average value of your car as follows; 1) ...
Uninsured motorist learner permit driver	7/30/2008
Q: Writing from North Carolina. My niece is a 21 year old learner permit driver of a few months. She ... A: Unfortunately, your neice caused the accident is is ultimately responsible for any damages. Although ...
parking lot accident	7/29/2008
Q: I was exiting a parking lot but, the exit gate would not open. I slowly backed up and was hit on the ... A: You are absolutely correct. The only reason they are trying to apportion some of the blame on you is ...
Medical information release	7/29/2008
Q: I received a medical information release form from the other party's carrier. Hopefully, my ... A: Considering the difficult time you have already had you should speak with an attorney. They are just ...
Car totaled with loan	7/28/2008
Q: I was recently in an accident and the other driver was at fault. My car is totaled and the driver's ... A: The insurance company owes you for the value of your car just befor the wreck, no the balance of ...
Claim against Semi Insurance - Interstate Accident	7/28/2008
Q: While driving the Interstate in a construction zone - a semi lost it's drive shaft and it was laying ... A: So far you have been successfull in getting to a claims department. What you do next will depend on ...
HIPAA compliant form	7/27/2008
Q: I was involved in a car accident. It was the other driver's fault and his insurance is accepting ... A: You are correct. The insurance company will be trying to uncover information about past injuries, ...
forced insurance	7/26/2008
Q: I was in an auto accident in march, and my insurance had lapsed at the time and i was cited for no ... A: What you are referring to is called "lenders single interest" insurance. This is where the bank ...
What are my rights?	7/26/2008
Q: Recently a neighbor backed into my brand new parked car instead of his driveway. He gave me his ... A: You can not ask for a new car. The insurance company is responsible for paying for the cost of ...
auto coverage	7/26/2008
Q: I recentley hit a light pole in a shopping center type parking lot i do not have collision . am i ... A: Unfortunately, if you do not have collision coverage then you have no coverage for this event. It is ...
How to file an auto claim if I have no auto insurance.	7/25/2008
Q: I am writing from the state of Kentucky. I was driving without any auto insurance and I was struck ... A: You should simply call the at-fault persons insurance comppany to report your claim. They will owe ...
Does the name on the car's title have to match the name on the policy?	7/25/2008
Q: My boyfriend and I are planning to buy a car jointly. We are splitting the cost, but plan to put the ... A: Generally no. Since you are not married, the vehicle must be insured in the same name as the titled ...
daughters friend wrecked her car	7/24/2008
Q: okay, we were out of town, our 20 yr old daughter let her "friend" drive her vehicle to the store, ... A: I can tell you have yuor hands full. Yes the little dude is responsible not only for your ...
Neighboor backed into my car, will I get the check or the body shop?	7/24/2008
Q: My neighboor backed into my car overnight. He kindly left me a note and said he would figure it out ... A: The insurance company will likely want to send their own appraiser to inspect the car and write ...
sueing for deductible	7/23/2008
Q: Can i sue the other persons insurance company, and person for my deductible? A: Based on your question, I have to assume that you had your claim paid by your own insurance company ...
Do I have a case?	7/23/2008
Q: Recently, my son totaled my vehicle. He was not included or excluded on my insurance. I did not ... A: The insurance comapny can deny the claim if your son lived in your house at the time of the ...
Comprehensive Claim Question	7/23/2008
Q: Last night,I swerved to keep from hitting a deer in my 05 Honda Civic.i ended up hitting a tree ... A: This will depend on your insurance company. Many companies will not treat this as a comprehensive ...
hail damage ins.co.wants to total it	7/22/2008
Q: We purchased a car a year ago for $5,000 and had so much hail damage ins.co.adjusters wants to total ... A: The decision to either repair or declare a total loss is solely up to the insurance company. It is ...
UIM policy	7/21/2008
Q: Mr. Hixembaugh, In April 2006 I was in a car crash. I was the back seat passenger, my buddy was ... A: Generally speaking, if the medical bills were reduced and the providers accepted a lower amount, ...
Auto liability claim	7/20/2008
Q: I was driving on the toll road and workers who were painting lines accidentally sprayed paint on my ... A: You need to try to reach someone in management at this insurance company. You need to become a ...
hit & run from a stolen car	7/19/2008
Q: I live in NYS. My car was parked in my job parking lot when someone broke into cars and rear ended ... A: Unfortunately, even if the persons insurance was valid they would not pay your claim. An insurance ...
car accident	7/19/2008
Q: my car was hit while it was parked in front of my apt. I was not driving for 2 mths as i was ill. ... A: This is a difficult situation. About the only thing you can do is to contact your county or state ...
Representations from Insurance agent and company	7/18/2008
Q: Another driver hit my rear bumper as I was awaiting to turn right. The other driver who was in a ... A: Unless you sent the information to your insurance company in writing stating that they were not to ...
Representations from Insurance agent and company	7/18/2008
Q: Another driver hit my rear bumper as I was awaiting to turn right. The other driver who was in a ... A: Unfortunately there is nothing you can do. Your agent was wrong. Anytime you report an incident to ...
Truck Crash into Daughter's Bedroom	7/18/2008
Q: Last October (10/20/2007), a truck crashed into my three-year-old daughter's bedroom at ... A: What a story. I'm glad everyone is ok. This is a very difficult thing to try to determine. Most ...
Filing a personal injury claim	7/17/2008
Q: i was involved in an accident about a year ago where i was run off the freeway by a person changing ... A: Yes. There is not a set pattern that must be followed. If you want to you can try several rounds of ...
Car Collision	7/17/2008
Q: I would first like to thank you for taking the time to helping me. To make things simple and short ... A: In most states you can not bring written statements into court as evidence. The actual person who ...
auto claims	7/17/2008
Q: My nephew was involved in an accident recently where he was at fault hitting another car and that ... A: Auto insurance follows the vehicle not the driver. So if your nephew was driving someone elses car ...
Avoiding a total on a collectible car	7/16/2008
Q: Richard. My husband Jim is a Pontiac Fiero aficionado, and his latest, which is his daily driver, is ... A: You have done everything exactly correct. You should refute the CCC report based on your findings. ...
Filing a personal injury claim	7/16/2008
Q: i was involved in an accident about a year ago where i was run off the freeway by a person changing ... A: You should alwasy start high and then negotiate. Do not worry about annoying the adjuster. He/or she ...
auto accident help	7/15/2008
Q: I was involved in an auto accident closing in on two years ago. Unfortunately during a traumatic ... A: I'm sorry you're having to go through all this. You should contact the AZ Bar Association. Check ...
Fire damage to vehicle	7/15/2008
Q: My daughter has a bran new Mini Cooper. She was parked in a garage at work and the car next to her ... A: Unfortunately, she can not ask for a new car. The insurance company is only responsible for ...
liability issue	7/15/2008
Q: I am in Oregon and on Sunday I was driving on a two lane road and a woman was pulling out of a ... A: It's likely too late to contact the police now. Hopefully you obtained the other lady's insurance ...
Parking Lot Accident claims	7/14/2008
Q: I own a Toyota Paseo 93 and recently I have parked my car in the parking lot and when I came back I ... A: This is a tough situation. The only thing you can do is to file a claim with the insurance comapny ...
should I sue??	7/12/2008
Q: I had an accident on private property. I had a lady drive by and said she seen the whole thing. She ... A: Parking lot accidents are some of the most difficult to determine liability. The insurance companies ...
Progressive Auto Claim Settlement	7/12/2008
Q: Is is possible that Progressive Auto Insurance would send an adjuster out the morning after an ... A: Yes. Some insurance companies try to inspect vehicles and issues check in a very short time frame ...
Side-swiped from behind while stopped at a stop light	7/12/2008
Q: My son was stopped for a red light when a pickup truck ran into the back driver-side corner of the ... A: It is not a waste of your time as long as your son makes a good witness. He will have to explain in ...
accused of accident, now they have a witness?	7/11/2008
Q: A few weeks ago I was at a friends house till around 10:30-11:00pm. I left with one of my friends ... A: Hopefully you did not fill in the police report as the police told you. If you did then you just ...
auto insurance coverage	7/9/2008
Q: I am a 45 year old male and my wife is 43. We have a 2000 Camry and live in NJ. I recently had ... A: The simple answer here is you should alwasy buy as much coverage as you have assets to lose. Medical ...
in the pot hole	7/9/2008
Q: i am being sued for a bodily injury law suit against me. the thing is my step daughter took my ... A: Assuming you had insurance at the time of the accident, you need to keep your insurance company ...
My Mercedes was hit and I think it should be totaled!!	7/9/2008
Q: I was driving down the right hand turn lane going about 10-15mph when.....POWWW a Ford Explorer ... A: The insurance company will only total the vehicle if the cost of the claim will exceed 75% of the ...
Market Value and Loss of Use Claim	7/8/2008
Q: My husband was recently rear-ended on his scooter just 2 blocks from our home. The other driver has ... A: The insurance company owes you for the fair market value of the scooter. All vehicles go down in ...
minor fender bender - other party at fault	7/8/2008
Q: My car was parked in a lot when someone else, while attempting to park in the adjacent spot, hit the ... A: Since you do not have collision coverage there is no point in reporting this to your insurance ...
Insurance payout question	7/7/2008
Q: I was rear-ended 3 weeks ago. The insurance company instructed me to have my vehicle inspected, then ... A: You should take the vehicle to the body shop of your choice for the needed repairs. You should give ...
Auto liabilty of family member	7/7/2008
Q: In Texas, my niece lives with me but is not listed on my auto policy for my vehicle. She and I are ... A: Unfortunately no. Your insurance policy requires that ALL licensed drivers in the household be ...
Lane change accident , or was it?	7/7/2008
Q: I am my wits end and I will try to brief as possible. The incident occurred in Houston Texas last ... A: In this situation it is simply a matter of your word against the other drivers word. Since his ...
Take insurance to Small Claims?	7/6/2008
Q: I was in a car accident in October '07 when a car hit me while I was passing through an intersection ... A: No you can not take the insurance company to court. Whenever there are multiple vehicles involved in ...
listed drivers on policy	7/6/2008
Q: Insurance companies ask for the number of people in a household that drive an insured vehicle to be ... A: If the driver lived in the household at the time the policy was taken out and was not disclosed as a ...
liability only	7/5/2008
Q: On last week was husband was killed in an car accident he only had lability which paid 25,000 bodily ... A: I'm very sorry for your loss. The other party can not sue you, but they can sue your husbands ...
Driver changing story for insurance company	7/5/2008
Q: My wife was involved in an accident. She was at a complete stop at a traffic light which was red. ... A: In understand your frustration. The police report is simply a tool. The police office did not ...
totalled my new car	7/4/2008
Q: my girlfriend and i just bought a brand new 2008 Toyota corolla. We had the car for 6 months and had ... A: Not necessarily. The insurance company is responsible for paying you the value of your vehicle on ...
car insurance coverage in alabama	7/3/2008
Q: My ex-husband has bought and insured a car for my 17 year old daughter who does not live in his ... A: All licensed drivers in the household must be listed on the policy in order for there to be ...
Auto insurance to cover all vehicles	7/2/2008
Q: My auto insurance covers occasional drivers, but only if those drivers live in a different ... A: I been in the insurance business for over 20 years and I have never heard of this either. It is ...
Diminish value......	7/2/2008
Q: I was rear ended very badly on May' 08. I was driving a BMW 325i 2006 model. It went for a 12,000.00 ... A: Your vehicle will absolutely suffer a substantial diminished value. For more information on ...
payout from insurance company	7/2/2008
Q: I am waiting for a offer to repair my truck. I was backed into in a parking lot. I was not in the ... A: You are under no obligation to have the vehicle repaired. You can simply tell them that you will ...
What is right and/or legal?	7/1/2008
Q: My sister was recently in a car wreck which was not her fault, got witnesses, she only had liability ... A: The insurance company of the at-fault person owes your sister for the fair market value of her car. ...
Auto Accident Two Years Ago	7/1/2008
Q: Just over two years ago, I was involved in an auto accident where the other driver pulled an illegal ... A: Do not worry about the expense of the attorney. Any costs that your insurance comapny incurs will be ...
no fault car accident	6/30/2008
Q: I was in a car accident, when I approached a 4 way stop and stopped at the stop sign a car to my ... A: When it just comes down to his word against yours, an insurance company will always take the side of ...
Insurance coverage	6/30/2008
Q: I just recently got my license and thinking about getting a BMW 325ix. My dad currently owns a ... A: The insurance company will rate the highest risk driver in the household on the highest risk vehicle ...
auto accident	6/30/2008
Q: Two months ago I was rear ended by a flat bed freightliner truck.Im injured,3 bulging disc's,1 ... A: I'm so sorry you are going through all of this. Unfortunately, insurance companies do not advance ...
Adding 16 Year old to the policy.	6/29/2008
Q: My 16 Year old daughter just got her license. We just bought a new car and had the old car set aside ... A: Most insurance companies will require that the highest risk driver in the household be rated on the ...
Collision fault when hit from behind	6/28/2008
Q: I was driving on a narrow 2 lane road with no shoulders with 2 yellow no passing stripes when ... A: Unfortunately, there is not much of an appeals process in insurance claims. It is solely the ...
insurance theft claim	6/27/2008
Q: My car (2001 corvette)was stolen on 1-31-01, i have cooperated with my insurance company (phone ... A: Theft claims can be very frustrating. The insurance company always starts from the position that you ...
parking lot accident in Texas	6/27/2008
Q: My fiance backed into a sports car in a parking lot last month. He looked through his mirrors and ... A: Since your fiancee was at fault he is responsible for all damages, costs and expenses related to the ...
Parking Lot Collision	6/26/2008
Q: I was in a parking spot in a 3 tier parking lot. I was about 5 cars from the left entrance and 20 ... A: Unfortunately, parking lot accidents are the most difficult to determine liability. However it is ...
hit by boat trailer	6/26/2008
Q: My car was hit by a boat trailer on 6/14/08 in AZ. My car was parked w/ left rear door open while my ... A: You will have to go to court ant tell your story. Show your pictures and have your friend testify. ...
insurance coverage	6/26/2008
Q: I am 22, from Toronto, and need to get insurance for a vehichle my dad owns..i was wondering what's ... A: You should contact several insurance companies and or independent agents to ask for a quote. You ...
car accident while parked	6/25/2008
Q: My Honda odyssey 2005 was hit by a car while it was parked in my own property. Now that driver's ... A: It is solely the insurance companies decision to repair or total the vehicle. It will only be ...
Final Insurance Offer	6/25/2008
Q: and thanks for any help. We live in CO. I will try to keep this brief. Wife, 2 yr old son, and I ... A: Negotiating a bodily injury claim is as much about strength of will as it is the meritts of your ...
car hits gas meter	6/24/2008
Q: By the way, I am the plumber!!! A car wipes out a roadside gas meter. Gas gets shut off at the ... A: This is a tough situation. The only thing you can do is to try to escalate the claim to a claims ...
Three car collision, front car	6/24/2008
Q: My name is Janine and I was involved in the three car collision on June 17. Mine was the first front ... A: Unfortunately, since noone has any information on the guy that caused the accident, you will have to ...
Insurance Co. dragging feet	6/23/2008
Q: I was involved in an accident over two months ago. After filing with his company, the other driver ... A: Two months is a long time. Most states require that claims be paid or denied within 30 days. You ...
Vehicle Rearended, Now Being Accused of Backing Up	6/22/2008
Q: I was rear-ended on 4/11 while picking up a child from school. As no damage occurred to my vehicle ... A: You will have to appear in court. If you know the judge and attorny are friends, at the start of the ...
My parked car was hit by a drunk driver	6/21/2008
Q: In the middle of the night an elderly lady crashed into my parked car. The CHP had my car towed ... A: No it's not right. They absolutely have to pay any towing and storage charges. You need to call ...
Diminished value claim for minor body damage to vehicle?	6/20/2008
Q: My parked car (2008 Toyota Rav4 base model 2wd with after-market sunroof and roof rack, 4200 miles)) ... A: If the police came to the scene of the accident and wrote a police report, the accident history will ...
Direct Line - Claim procedures	6/19/2008
Q: Few days ago my car was stolen, police found it. My car was in Dragon Ltd it's some company which ... A: You need to stay on top of the insurance company. Call them everyday if necessary. The insurance ...
automobile accident settlement	6/19/2008
Q: I wrecked a friends 2003 Ford Ranger Edge and the insurance company only wants to give him $5500. I ... A: There are a few websites you can check to determine the average value of your car as follows; 1) ...
NJ Cure Auto Claim Denial	6/18/2008
Q: 4 weeks ago my 2001 Acura MDX was broken into and vandalized.They destroyed the entire interior of ... A: Most auto policies do exclude commercial use. Some policies will allow you to add an endorsement for ...
I had an accident, now what...	6/18/2008
Q: On 6-14-08 I got into a minor accident, when I fell asleep at the wheel while coming home from ... A: Your insurance company will send someone to inspect your car and assess the damage. If the cost of ...
if/when to involve a lawyer in auto insurance claim	6/17/2008
Q: I was a pedestrian hit by a car and have a fractured tibia. Driver accepted responsibility in the ... A: Hiring an attorney will not change the type of care and treatment you receive from your HMO. Once ...
Salvage Yard	6/17/2008
Q: Richard, Hi, I made the mistake of buying a car recently from a very unprofessional used car ... A: To start with you can purchase a CARFAX report. If there was a police report of the accident it may ...
Accident Coverage- Another Drive Drove Car	6/17/2008
Q: I have two questions regarding this issue. I let my friend borrow my car to drive me to the ... A: Unfortunately the insurance company is correct. The two estimates should be combined to determine if ...
Re: Car Accident	6/16/2008
Q: Am I "at fault"? This happened last week. I was driving at less than 40miles an hour. It was ... A: I'm sorry this happened to you. Unfortunately, this is considered to be at-fault. The law requires ...
Who is responsibile for auto bills and can we be liable for at fault persons medical bills	6/16/2008
Q: My 17 yo daugher was in an auto vs bicycle accident yesterday with a 13 yo boy in the state of PA. ... A: You will have to get estimates of the repair cost to your vehicle. Then you would contact the boys ...
Car Insurance	6/15/2008
Q: I am 19 years old and I have gone through a couple of cars in the last few years. They have not been ... A: It is true that when you go to buy auto insurance, one of the qualifying question is did you have ...
How to go to an umpire?	6/15/2008
Q: My insurance sent me a check based on its inaccurate estimate after an accident. The insurance does ... A: o it is not usuall unless you have a lienholder. Then the insurance company must protect the ...
Auto insurance in Florida	6/15/2008
Q: Mr. Hixenbaugh; My daughter, age 22 with no claims history, just moved to Naples Fl. ... A: The only company I would recommend would be Amica Insurance Company. They are very hard to get into ...
Car Totaled	6/13/2008
Q: My girlfriend, totaled my car-which is actually my father's car, she was not on the policy. What ... A: Provide the shortest truthful answer to each question. Give her actual address. State that she is a ...
No Insurance and at Fault	6/13/2008
Q: My daughter in law had an accident in the parking lot of a mall. She was not cited since it was ... A: Your daughter has the right to ask for copies of all of the documentation pertaining to the ...
What if a police report is not accurate?	6/12/2008
Q: I was in an automobile accident and was hit by the other driver running a red light. I was in a VW ... A: You can try to contact the police officer to see if he will revise his report. You may even try ...
How to go to an umpire?	6/12/2008
Q: My insurance sent me a check based on its inaccurate estimate after an accident. The insurance does ... A: If you ar dealing with your own insurance company there is a clause in your policy called the ...
Accident case brought to Small Claims and still asking to sign a waiver	6/11/2008
Q: I got into an accident about 6 months ago, the resulting 4 car accident ended up with no one taking ... A: Even though you won the judgement against the person, it is his insurance company that will make the ...
Policy Limit Disclsure	6/11/2008
Q: Mr. Hixenbaugh- My girlfriend was recently in a minor traffic accident where she bumped a pedestrian ... A: Neither you or your girlfriend should have any contact with the other persons insurance company at ...
diminish value -how to file?	6/10/2008
Q: My folks were recently in auto accident (not at-fault) but the at-fault party only purchased the WA ... A: In this situation there are very specific steps that must be taken to be able to make a diminished ...
Reconstructed title.	6/10/2008
Q: I am thinking about purchasing a vehicle in Oregon that already has a reconstructed title from ... A: When a vehicle has a reconstructed title it will generally have a value that is about 50% of a ...
auto insurance coverage when driving other car	6/9/2008
Q: my son had an accident while driving his freinds car. He had been given permission to drive the car ... A: Unfortunately you can't blame an animal. It's always someones fault. They may try to say he was ...
auto insurance coverage when driving other car	6/8/2008
Q: my son had an accident while driving his freinds car. He had been given permission to drive the car ... A: Generally, you can loan your vehicle to anyone and they are covered. I don't understand why your son ...
auto vs bycicle	6/7/2008
Q: ..we reside in florida. yesterday, my wife was slowly making a left turn on a 4 lane road when the ... A: With the bicyclist receiving a citation and witnessess indicating that it was his fault, I do not ...
car insurance	6/6/2008
Q: I currently have an SUV with a carloan balence of 6,000.00. I would like to keep this vehicle ... A: It is possible for someone to take out insurance on your car. However as the titled and registered ...
Pro Review Board in P.A.	6/6/2008
Q: Richard, I requested a review board to look at my case again regarding my medical claim, because it ... A: Unfortunately, I am not specifically familiar with the review process in PA. I would think that who ...
Other party refuse to respond to filed claim with their insurance company	6/5/2008
Q: On 5/20, a guy backed his truck into our vehicle in a parking lot. He was apologetic and promised he ... A: This is a hard way to learn that no matter how nice someone seems, always call the police. Yes, ...
Some Questions	6/5/2008
Q: Can two brothers be listed as the named insured on a car insurance policy if one of both of them is ... A: Here's the way it works; All licensed driver who live in the household where the vehicle is located ...
Quality Repairs, Recourse or Scam	6/5/2008
Q: I was in an accident three weeks ago. I'm not completely sure what happened as I hit my head and ... A: Generally, a vehicle is only totaled if the cost of repairs exceeds 75% of the value of the vehicle ...
am i liable	6/4/2008
Q: i was makeing a left hand turn in to a pulloff, and i had my signal light on, and there were two ... A: I'm sorry you're in this situation. You need to continue to reject there offer of split liability. ...
1912 Studebaker	6/4/2008
Q: Have a fire damaged 1912 Studebaker EMF Flyer 30. Insurance co estimates cost to repair at ... A: You are absolutely correct. You should present your logic to the insurance company. Although it is ...
total loss with appraisal	6/3/2008
Q: I am going through the driver at fault's insurance company to have my car fixed. They are claiming ... A: You should ask the body shop that you selected to complete an estimate. You should also visit ...
hit parked motorcycle	6/3/2008
Q: My husband hit a parked motorcycle while backing out of our driveway, he went to the house where ... A: Tell the guy he will have to provide you with photos of all of the damaged parts or bring the bike ...
Auto insurance (deductible)	6/3/2008
Q: My insurance company paid the auto body shop ($XXX.00) for repairs on my vehicle after I submitted ... A: Here's the way it works. If your repair cost is $1500.00 and you have a $500.00 deductible, your ...
My car was flooded and I am concerned about the process.	6/1/2008
Q: My car was recently flooded at my apartment while I was out of town working. I estimate the water ... A: First of all, you need to cancell your extended warrantee and get a refund of as much as possible. ...
accident while parked	5/31/2008
Q: My son and some friends were parked scattered around in a park after the prom and when they all ... A: You should send a certified letter return receipt requested to the friends parents demanding that ...
third party insurance claim	5/31/2008
Q: My car was rear ended, I have written estimates from auto shops that I have chosen. Their insurance ... A: Of course that have a right to dispute your estimates, they are the ones writing the check. However, ...
auto accident	5/30/2008
Q: ..My husband and I had a serious car accident 3yrs ago with our American friends .A young man feel ... A: I'm sorry for your situation. If the at-fault person had only minimal coverage, it would seem that ...
Coverage	5/30/2008
Q: I just recently purchased a new vehicle and I have not yet had the insurance transferred to my new ... A: There should be a section in your policy for "newly aquired vehicle". It states that you have ...
Strike fraudulent claim from record	5/29/2008
Q: A fraudulent insurance claim was filed on my insurance. There was no police report of the alleged ... A: You will need to contact your state insurance commissioners office and file a formal complaint. You ...
Who is Correct & What To Do	5/29/2008
Q: Our 2000 Honda Accord (100mi.) was hit on the drivers side Dec 26 2007. The other vehicle speeding, ... A: Unfortunately I am not a transmission expert. In these situations it is very difficult to get the ...
Fraudulent Insurance Claim	5/29/2008
Q: I went to get a quote on auto insurance and found that a family member's accident is on my record. ... A: This is an unusual situation so it is hard for me to know what to tell you. You should call the ...
liability for minor	5/28/2008
Q: My former wife (Mother) has physical custody of my 16 year-old daughter, we share legal custody. A ... A: Unfortunately, this question is regarding very state specific DMV regulations and liability laws. ...
Accident While Unauthorized Driver Of A Rental Car	5/28/2008
Q: My question involves insurance law for the state of: Tennessee My friend rented a car (when he was ... A: Neither you nor your friend were owners of the car. Your friend rented a car and he did not have ...
Auto Hail Claim	5/27/2008
Q: I own my vehicle free & clear and received significant hail damage this past weekend on my truck in ... A: You can get an estimate from where ever you chose to. However the insurance company has the right to ...
Accident While Unauthorized Driver Of A Rental Car	5/27/2008
Q: My question involves insurance law for the state of: Tennessee My friend rented a car (when he was ... A: Unfortunately, I do not know of any way out of this. You had an accident that was your fault driving ...
Tree branch	5/26/2008
Q: I live in a multifamily dwelling and there is an old tree rooted in the neighbors back yard with ... A: You can first try the neighborly approach by knocking on your neighbors door and advising him of the ...
accident in leased car	5/25/2008
Q: I was rear-ended while driving my leased vehicle. Although the damage is minor, it does look like ... A: You do not have to report the accident to either the police or the insurance company. You should ...
Stolen Car Left in a Lake	5/23/2008
Q: My car was stolen and after stripping the thief dumped the car in a lake. The state police had it ... A: Unfortunately, you are responsible for the tow bill. However, if you have comprehensive coverage on ...
Not happy need help	5/22/2008
Q: I have a quick question about an accident i was recently in if you could help. I was driving in my ... A: Unfortunately, you would have been better off to hit the dog. Without proof of an animal hit an ...
Strike fraudulent claim from record	5/22/2008
Q: A fraudulent insurance claim was filed on my insurance. There was no police report of the alleged ... A: In essence, this was an attempt at identity theft and insurance fraud. You should contact the policy ...
Does the accident record go to the claimant or vehicle owner?	5/21/2008
Q: My husband and I are covered by the insurance. I am the vehicle owner, but my husband got the ... A: You are actually talking about 2 different things. The insurance company comunicates with and pays ...
Flooded Lincoln	5/21/2008
Q: My 2006 Lincoln Signature series town car was in a flood caused by bay flooding on the New Jersey ... A: This is the usual tactic used by insurance companies. If the flood was fresh water it is not as bad ...
His or Mine	5/21/2008
Q: I was involved in an accident that was not my fault. My insurance company offered to take care of ... A: Going through your insurance company will not affect your premiums as long as you are not at fault ...
Rental car after claim	5/20/2008
Q: I was told that the liable company would only pay for a rental auto in the state of Texas for in the ... A: No. The at-fault person or their insurance company owes you for the cost of a comparable vehicle ...
Open Driver Side door Impact	5/19/2008
Q: I was parked and in the process of exiting my car on the driver side, when a car hit my door and ... A: This will be a very difficult situation. It is considered to be your responsibility to be sure no ...
damage to trailer contents without an accident	5/17/2008
Q: while towing 2 motorcycles, one fell over and damaged the other. the damaged bike belonged to the ... A: The driver is the one responsible for his own damage. As the driver of the vehicle he is responsible ...
Sue an insurance company	5/17/2008
Q: I am a bicyclist who was rear ended by Ford Explorer last October. The driver was ticketed by the ... A: Insurance companies often try to place proportional blame so that they can save money. In most cases ...
Does the accident record go to the claimant or vehicle owner?	5/17/2008
Q: My husband and I are covered by the insurance. I am the vehicle owner, but my husband got the ... A: For insurance purposes, the check is always issued to the vehicle owner. If the accident was your ...
FLORIDA DIMINISHED VALUE	5/16/2008
Q: I ve been looking around and preparing my self to go against an insurance corporate to claim DV in ... A: Insurance companies will often try to deny dimisinished value claims in hopes that you will just go ...
Total Loss?.... or Truck Theft? (continued)	5/15/2008
Q: Sorry, this is a lot of lead in.. about time and expense...but I'm getting very confused. I don't ... A: Yes it is ok to the insurance comapny to include the towing and storage. They should also take into ...
Auto Insurance Claim	5/14/2008
Q: My son's car was sideswiped while parked near his home in a Boston suburb. On a separate occasion, ... A: The insurance company can not hold back money until you have the repairs done. They can only ...
Auto Accident	5/14/2008
Q: My daughter was backing from a school parking space after given the "go ahead" by another driver. ... A: You are not wrong. If your story is acurate they should both pay half. You will need to call the ...
Liability of Underinsured Motorist Coverage	5/14/2008
Q: Greetings, My family and I were struck head on at 60 miles per hour on Christmas day around 7:PM by ... A: I'm sorry for your situation. Laws vary from state to state. Some states will allow you to collect ...
Total Loss?.... or Truck Theft? (continued)	5/13/2008
Q: Sorry, this is a lot of lead in.. about time and expense...but I'm getting very confused. I don't ... A: WOW! That was a mouthful. This is a typical way that insurance companies handle claims. Their goal ...
Parking lot accident	5/13/2008
Q: I was hit by a backing up nissan pathfinder today at a mall's parking lot. This is what happened. I ... A: Parking lot accidents are some of the most difficult to determine fault. Each of you will provide ...
Pain and suffering entitlement	5/13/2008
Q: I was in an auto accident about 5 days ago. It was a head-on collision. I was going about 35 mph ... A: Pain & Suffering payments are generally based on the total cost of your medical bills and lenght of ...
Auto accident settlement	5/12/2008
Q: I feel out of a truck in 2001 and was hospitalized for months and had a traumatic brain injury. ... A: I'm sorry for your situation. Unfortunately, if you signed a release form at the time of the ...
financial responsibility for accident	5/12/2008
Q: My son is having a problem both insurance companies refusing to pay and is being sued by the other ... A: Unfortunately, there are too many unknowns here for me to properly assist you. All I can say is that ...
Neighbor's Car Hit My House	5/11/2008
Q: My neighbor's car hit my house 3 weeks ago and the adjuster for their insurance company gave an ... A: The easiest way to handle this is to file the claim on your own homeowners policy. Then they will ...
Claim Paid out but check written to both myself and leinholder	5/11/2008
Q: Oct 5th my ex totaled my car while returning to pick me up for work. I currently had no ins on the ... A: This is a situation with many moving parts, but I will do my best. It appears that USAA paid the ...
other insurance says not enough info to determine who's at fault	5/10/2008
Q: I was involved in an accident in which I hit another car that pulled out of a drive way and began ... A: Since you and the other driver have conflicting stories, they will waite to get the police report to ...
Can I choose to leave the damage without repair?	5/10/2008
Q: Is my insurance still obligated to pay for my vehicle damage if I chose to leave the damage without ... A: Generally the insurance company will pay based on their own estimate. Then only if the car is ...
Too late for diminished value claim?	5/10/2008
Q: I live in Chicago Illinois. Back in 2006, I purchased a MINI Cooper S brand new for $25,000. 2 ... A: Yes. You can still make a claim for diminished value. Your claim would be against the at-fault ...
bike vs car accident	5/9/2008
Q: My 90 year old father was riding his bike attempting to cross the street and was hit by a young ... A: I hope your grandfather is doing ok. Medicare will initially pay the medical expenses but may ...
Auto insurance claim	5/9/2008
Q: I was returning my rental car and backed it into the parking place. I was a little off and the ... A: You would have to write them a letter stating your arguments. You should ask them to provide you ...
Sue for Auto Damages	5/9/2008
Q: I have a 1992 Honda Prelude Si that is black and has low miles and is dent/scratch free and has been ... A: You will likely need to find an independent vehicle appraiser who will research the value of your ...
sueing	5/8/2008
Q: How do i get another auto insurance company to pay for the damage that their customer did to my car? ... A: Sometimes insurance companies can be very slow to respond. You just need to call every day until you ...
Insurance claim limiations	5/8/2008
Q: My son 3 weeks ago while pulling out of a parking space, rub the bumper of our Ford pick up truck ... A: There is not a specific limit on how long she would have to file a claim on her own insurance. ...
auto accident	5/7/2008
Q: i was run over while riding my motorcycle, what is the time frame on setting a case to the other ... A: The statute of limitations is different in each state. Generally, the statute of limitations is ...
19 year old with car and insurance	5/7/2008
Q: Our daughter lives with us. She is 19 and recently bought her own car and her own insurance. ... A: Auto insurance follows the car not the driver. So your daughters insurance would not provide ...
Hit and run	5/7/2008
Q: I drove my daughter to school everyday. But today is really my bad day, I was in a line going ... A: Even though you do not have the plate number, you should still try to file a claim with the business ...
Fender bender	5/6/2008
Q: I have a younger sister (16) who was involved in a no fault accident according to the police and a ... A: Just let the insurance company assess the damage. You should point out that there was some minor ...
Can I choose to leave the damage without repair?	5/6/2008
Q: Is my insurance still obligated to pay for my vehicle damage if I chose to leave the damage without ... A: You are not obligated to repair the vehicle. However, if you are dealing with your own insurance ...
Do I need a lawyer?	5/6/2008
Q: Hixenbaugh, I was involved in an accident June of 2006 and am running out of time to settle with ... A: The statute of limitations in most states is 2 to 4 years. If it is 2 years in your state you need ...
accident in my work parking lot	5/4/2008
Q: i just got done with work and was walking to my car. got in , took a few minutes to find my sun ... A: Any time you are backing out of a parking space, you have the greater duty to be sure you have a ...
Maryland and contributory negligence	5/3/2008
Q: I was involved in an intersection crash in Maryland. I had the stop sign but could not see because ... A: You can file the claim with your own insurance company. If they feel you have a case, they may file ...
dispute with insurance company	5/3/2008
Q: I'm from Canada, Alberta. In March 2008 I left a parking lot at the eastside of the store of a gas ... A: Situations like this can be very difficult. Since you do not have collision coverage, do not expect ...
totaled car	5/2/2008
Q: I was in an accident where the person who hit me caused $7,800 in damage to my 2006 PT Cruiser with ... A: As I said, if you don't like their offer then send them the info you found and try to negotiate. The ...
Uninsured Motorist Coverage	5/2/2008
Q: My car was totaled by a 20 year old (confirmed in the police report to be uninsured and no drivers ... A: If you have a deductible on your uninsured motorist coverage then you have to pay it. However the ...
auto accident	5/1/2008
Q: Mr. Hixenbaugh, My husband and i were rear-ended at a stoplight about a month ago. The driver was ... A: In most states the insurance company has 30 days to investigate the claim and either pay or deny the ...
Insurance Co low-balling me	5/1/2008
Q: Good day Richard, I was in a parking lot and someone backed out of a spot and hit me. A claim was ... A: You are doing everything you can. If your car is hard to find locally, you can expand your search ...
car fire/insr claim process	4/30/2008
Q: My car's engine compartment caught on fire (on its own) while the car was parked and everything shut ... A: Unless you live in the state of Georgia diminished value will not be taken into consideration. ...
Diminished Value	4/30/2008
Q: my insurance threw out a little more than $100 after I demand the diminished value of my new car. I ... A: Diminished value is determined based on the age and mileage of the vehicle and the type and extent ...
Auto Accident	4/30/2008
Q: My daughter goes to College in Florida and had a no-fault accident on Sunday. The other driver has ... A: If your daughter has a Florida policy, the first $10,000.00 in in medical bills will be paid by her ...
car fire/insr claim process	4/29/2008
Q: My car's engine compartment caught on fire (on its own) while the car was parked and everything shut ... A: Copart is a salvage yard that specializes in disposing of vehicles that have been totaled by an ...
No Insurance	4/28/2008
Q: Richard. I was involved in an auto accident mid last week. My SUV was rear-ended by another ... A: If you have the contact info for the at-fault driver, send him a letter telling him that the ...
accident	4/28/2008
Q: I live in GA. my daughter lives in Cleveland Ohio I was in Cleveland for the new years holiday I let ... A: If you are making the claim on your own insurance policy then no problem. You can loan your car to ...
claim denied	4/28/2008
Q: my 17 yr old son was driving south on inside lane of highway-other driver was going north but at ... A: There are some states that determine liability based on percentages. Also in some states it is true ...
Insurance Claim Problem	4/27/2008
Q: This is kind of a long story but I'll make it as short as possible. Back on October 8th of last ... A: You should write a letter to the insurance company that is asking you for money. You should tell ...
Auto Insurance Claim	4/27/2008
Q: Our daughter was recently driving our Astro Van (insured by us through State Farm, liability only). ... A: You should not have two different insurance policies on the same vehicle. However, regardles of ...
auto accident	4/26/2008
Q: My brother got in to an accident, with no fault. Police was called at the spot. Other party wants ... A: The insurance company estimate is just a preliminary estimate. There may be additional hidden damage ...
3-car collision, last car	4/26/2008
Q: I was involved in a three-car-collision on the highway of San Francisco. I will try to present my ... A: Unfortunately, you will be considered to be at fault. It is your responsibility to always be in ...
insurance claim denied	4/26/2008
Q: I was rear ended by a woman in a suv and she damaged my rear bumper and rear light. After 5 weeks ... A: Unfortunately, about the only thing you can do when there is disputed liability is to either file ...
Hit by drunk driver	4/25/2008
Q: I live in CO. I was hit by a drunk driver on the interstate in my brand new car that had only 450 ... A: Yes, you are absolutely entitled to be compensated for the diminished value of your car. However you ...
auto claim	4/25/2008
Q: My daughter was in two car accidents two weeks apart in the same vehicle. One accident is not her ... A: I will try to explain how this will likely play out. The insurance company from the first accident ...
Collision while in work vehicle	4/25/2008
Q: I rear-ended a truck today at a stop light. After the light turned green, I eventually honked to let ... A: The accident will be considered to be your fault. Anytime you hit someone in the rear, you are at ...
Accident in parking lot -- other driver drove off	4/24/2008
Q: I was backing out of a space in a private parking lot. I was parked between an SUV and a pickup ... A: I would not be worried. The damage if any is minimal to both cars. You did not provide him with any ...
What is the vehicle structural damage in a diminished value claim?	4/24/2008
Q: I had my new vehicle front bumper replaced after accident. The Vehicle has only 5000 miles. 1) Is ... A: The insurance company will likely not pay anything for diminished value due to a bumper replacement. ...
What is the vehicle structural damage in a diminished value claim?	4/24/2008
Q: I had my new vehicle front bumper replaced after accident. The Vehicle has only 5000 miles. 1) Is ... A: I understand your question, however, there is no reason to not select a vehicle that has had the ...
Geico wants to settle for 20k	4/23/2008
Q: i was hit from the rear by a drunk driver( double the state limit for VA) who was speeding going 70 ... A: Generally, most injury claims will settle for between 2 to 6 times the amount of the medical bills. ...
car total	4/23/2008
Q: my car Nissan murano SL full equipment has been total and the insurance responsible is offering ... A: You should go to www.autotrader.com . There you can search for currently for sale vehicles like ...
What is the vehicle structural damage in a diminished value claim?	4/22/2008
Q: I had my new vehicle front bumper replaced after accident. The Vehicle has only 5000 miles. 1) Is ... A: A bumper is not a structural component. There will be no diminished value due to replacement of the ...
Insurance Claim	4/22/2008
Q: Richard March 26 2006 I was in an auto accident in South Carolina. The accident took place in a gas ... A: The statute of limitations in South Carolina is 3 years so you better do something soon. If your ...
auto accident	4/21/2008
Q: I was in an auto accident, I was going straight and stepped on the brake to slow down for the ... A: If you were in fact going straight and were hit in the center rear then you would not be at fault at ...
Accident Claim	4/21/2008
Q: I was invovled in an accident on 1/28 this year. I was driving my scooter down the left lane of a ... A: It does look bad that you did not report the accident right away. The insurance company would have ...
auto accident	4/20/2008
Q: I was in an auto accident, I was going straight and stepped on the brake to slow down for the ... A: Determining liability would require hearing a detailed statement from all parties involved. However, ...
proof of collision	4/19/2008
Q: My son was rear ended and pushed into a concrete barrier. His truck was totaled as well as the car ... A: It sounds like you have the situation well in hand. You should try harder to get photos of at least ...
totaled car	4/19/2008
Q: I was recently in a two car accident and my car appears to be totaled and I am at fault. My agent is ... A: The engine modifications should not affect the value of the car. If you choose to keep the car, the ...
Loss of Use Automobile Claim	4/18/2008
Q: My husband was in an accident on 3/10/08, he is a owner operator and a car hit his tractor-trailer ... A: Since this is a vehicle used for your husband to earn a living, he is entitled to be paid for his ...
Who is at fault	4/18/2008
Q: My son was totally stopped in school parking lot he was about one foot in the intersection around a ... A: It is difficult to determine liability with such limited information. However, if your son was ...
rear-end accident-not my fault.	4/17/2008
Q: I was stop in line of traffic when I looked in my rear view mirror and saw a GMC Suburban coming on ... A: Depending on the extent of the damage, you will be entitled to be paid for diminished value. For ...
Insurance claim	4/17/2008
Q: My name is Luis and I got rear ended on my 1988 Mercedes. The other pary insurance total my car but, ... A: Unfortunately, the decision to either repair or total the car is solely up to the insurance company. ...
Auto Damage	4/17/2008
Q: While my Insurance adjuster was checking my autos for hail damage, she opened my truck door and ... A: Unless you live in the state of Georgia you can not collect diminished value from your own insurance ...
Car theft by minor	4/16/2008
Q: A friend of my son took my car and drove it, was chased by police and smashed it up as well as a ... A: This may become a very difficult and drawn out situation. The best this for you to do is to file the ...
Possible "Totaled" or TL to my 2008 Toyota Corolla S	4/16/2008
Q: First off, Richard Hixenbaugh, let me start by saying that you are truly a kind spirit for ... A: A vehicle will generally be considered to be a total loss if the anticipated cost of repairs exceeds ...
Car Accident	4/16/2008
Q: Hixenbaugh, Thank you in advance for your expertise in answering my question. My husband fell asleep ... A: I hope your husband is doing ok. To determine the fair market value of your truck there are several ...
3 car accident	4/15/2008
Q: My Daughter was involved in a straight line, three car accident yesterday (thankfully no physical ... A: If your daughter hit the middle car and pushed it into the the next car then she is responsible for ...
Auto Insurance Name Insured	4/15/2008
Q: If two people are married to each other, will they automatically be listed under the list of "Named ... A: In the case of a husband & wife, generally one of them will take out the policy and the other will ...
Should the insurance immediately send a written agreement after the property damages settled?	4/14/2008
Q: Can the property damages be paid before the personal injury is settled or the property damages ... A: Not all insurance company will make you sign a release for the property damage. They will usually ...
Should the insurance immediately send a written agreement after the property damages settled?	4/13/2008
Q: Can the property damages be paid before the personal injury is settled or the property damages ... A: The agreement the insurance company will try to get you to sign is called a RELEASE form. You should ...
valet damage	4/12/2008
Q: I recently parked my 10 year old Jeep with the Valet @ Tropicana Atlantic City. When I got it the ... A: This is a common problem. Unfortunately, it would be up to you to prove that it was not broken ...
Towing Damage	4/11/2008
Q: My car was recently towed. When I got it back the steering wheel was cocked to the right so i ... A: Your insurance company will not help you with this at all. You will need to get pictures of the ...
Vehicle damage	4/11/2008
Q: I was parked at work in the employee parking area. I was notified by security department my vehicle ... A: You need to have the insurance company provide you with a copy of their estimate. Then take your car ...
faulty evasive action cause of accident	4/10/2008
Q: my car was hit where front quarter panel meets driver-side door causing $1800.00 damage. Per the ... A: You would file suit against the at-fault person, not the insurance company. The insurance company is ...
How to list pain and suffering in the demand?	4/10/2008
Q: In the case of the soft tissue car accident injuries such as medical bills $3000 without permanent ... A: You should list out all of your medical bills. Then state the amount of your total demand which ...
Steering wheel crooked	4/10/2008
Q: I recently had my car towed. When I was driving home from the tow company, I realized that my ... A: Yes it is possible the alignment was knocked out from the tow. The problem is proving it. Tow ...
parking lot accident	4/9/2008
Q: I was involved in a very minor parking lot accident. I was reversing and hit a car that was going ... A: It would likely be considered to be 50/50 liability. He should not have been going the wrong way, ...
Diminished Value on my 2008 Nissan Aramda	4/9/2008
Q: In February I was struck by a car in a parking lot, the person who hit me admitted fault. Since she ... A: There are a couple of issues here. One is the quality of the repair work and the other is the ...
parking lot scratch	4/9/2008
Q: Parking is a nightmare at my work and today I squeezed into a tight spot where there was an SUV ... A: By your own admission, you had to squeeze into the parking space. It is possible that you did it ...
faulty evasive action cause of accident	4/8/2008
Q: my car was hit where front quarter panel meets driver-side door causing $1800.00 damage. Per the ... A: You are absolutely correct. The person who hit you is completely at fault. Also if the at-fault ...
Lawyer settled my claim	4/7/2008
Q: I was involved in a car accident on 09/11/07 where the other driver was at fault. I had suffered a ... A: I'm sorry you're having such a tough time. Unfortunately, I am not a lawyer. The question you have ...
Atturny fees	4/6/2008
Q: i was in an accident in Tennessee in where the person that hit me was at fault. I had an attorney ... A: Usually when you hire an attorney on a contingency basis, the attorney will take 33% of whatever the ...
Pain and Suffering	4/6/2008
Q: I was rear ended while stopped at a red light. It is her fault and her insurance company (State ... A: Once all of your treatment is complete, you will have to write a demand letter stating everything ...
lou	4/6/2008
Q: my car was totaled. I paid the vehicle annual registration fees about $50. It still has 5 months for ... A: The insurance company would owe you for the transfer fee but not for the balance of the annual fee. ...
OUT OF STATE ACCIDENT	4/5/2008
Q: WANTED TO GET AN OPINION ON AN ACCIDENT... IT WAS A PENNSYVANIA RENTAL CAR THAT WAS IN AN ACCIDENT ... A: No fault or PIP coverage can be very confusing. The "law of the land" and coverage adjusting to meet ...
Hit and Run	4/5/2008
Q: My husband was recently in a hit and run where the other driver was at fault and left the scene. My ... A: Any law suit filed would be against the at-fault driver. I am not very familiar with Michigan law so ...
07 HD motercycle	4/5/2008
Q: Totaled bike to day I bought new, owe 13000.00 paid 18000.00 have full coverage and replacement ... A: Each insurance company has its own policies and guidelines of how their policy's work. Without ...
Drive record & insurance	4/4/2008
Q: My insurance company has my old driver license info from the state I lived in, and I have never been ... A: Sorry for the confusion. If you changed your license and provided it to the insurance comapny then ...
truck accident and person at fault has no insurance	4/4/2008
Q: My husband was in an auto accident where the person at fault states he purchased the vehicle from a ... A: Since neither of them have insurance, the person driving the vehicle who caused the accident would ...
Personal Injury Claim	4/3/2008
Q: I was recently in an accident after trying to pull over for an ambulance in snow and ice. I was the ... A: Each state has different laws and requirements on how medical bills are to be handled. If you were ...
Drive record & insurance	4/3/2008
Q: My insurance company has my old driver license info from the state I lived in, and I have never been ... A: Most states require that you change your driver license within 30 days of moving. If you get stopped ...
auto claim	4/2/2008
Q: you answered my initial question on 4/1/08. Basically I was out with a large group of people, gave ... A: There is no way to know exactly what the claim adjuster will ask you untill you call to report the ...
Negotiating fault	4/2/2008
Q: I was in an accident about 10 days ago. I was turning left into the entrance of a store and the ... A: If the other car tried to go arround you on the left side and had to go into the on comming traffic ...
Diminished Value	4/1/2008
Q: My wife was involved in an auto accident with a city police officer back in 2003. No disputes in ... A: You are entitle to be made whole. That means the entire rental bill unless they can prove that the ...
collision claim	4/1/2008
Q: I was at the casino with a large group of people. Some cars were parked across the street in a ... A: The claim should be covered without any problem. Your policy covers damage. As long as it appears ...
DUI accident	3/31/2008
Q: I was in an accident where I was at fault, crashing into a median and hitting some trees, my car was ... A: Depending on the state you live in and your insurance company, some policies do exclude coverage if ...
loss of wages	3/31/2008
Q: My boyfriend's plow truck, a 1986 GMC suburban with a LEO plow, was parked legally in front of our ... A: Generally you are entitled to collect lost wages. However the burden of proof is on your boyfriend. ...
Vehicle accident Question	3/30/2008
Q: Last week I was involved in an accident, and have some questions. The individual who hit me "ran" a ... A: You can get a rental yourself and if the other company accepts liability they should reimburse you. ...
rear end accident	3/29/2008
Q: i got into a accident on a 4 lane