You are here:
| Subject | Date Asked |
| cancelation | 2/11/2012 |
| Q: I recently had an accident that was my fault I hit a driver from the back. At the time I had no ... A: Since there was no police involvement and the insurance claim was closed without payment, there is ... | |
| Total Loss | 2/9/2012 |
| Q: I wrecked my can back in August of 2011. I ran a carfax on it last weekend because I wanted to ... A: Unfortunately, there is nothing you can do to force the insurance company to total your car. The ... | |
| I think my friend Stephen was smart not to give his phone number | 2/3/2012 |
| Q: Today my friend Stephen and I were in the parking lot of a supermarket. He usually backs into the ... A: You described the situation, but you never really asked a question. If the other drivers took down ... | |
| Forced placed ins. policies. | 2/1/2012 |
| Q: I'm trying to find out what kinda of laws there are for forced placed ins. I have a four year car ... A: Unfortunately, this is legal and correct. When you finance a vehicle, you are required to carry full ... | |
| Farmers Insurance | 1/27/2012 |
| Q: My boyfriends car was keyed months ago. We sent the vehicle in to be fixed and paid extra out of ... A: Your boyfriend must answer all of their questions or they will deny the claim for noncooperation. ... | |
| Auto Accident | 1/25/2012 |
| Q: I was a passenger in a auto accident in Florida. The driver was clearly at fault. Being from ... A: Yes, you can contact the claims adjuster of the at fault driver. Before you call you should write ... | |
| Sun roof | 1/14/2012 |
| Q: Would the glass in a sun roof be covered under full glass? A: You would need to read the full wording of the policy. Just because it says full glass does not mean ... | |
| Diminished Value - Am I allowed? | 12/29/2011 |
| Q: I have a 2011 Chevy equinox that was purchased in February, 2011. On December 17, 2011, I was ... A: Unfortunately you received some incorrect information. Anytime you are making a claim against your ... | |
| rental car claim DENIED | 12/29/2011 |
| Q: I am a carrier of Geico but I was hit by a USAA insurance carrier. The accident happened on the 9th ... A: You are entitled to be paid for the rental for the time you hads a rental. However you are entitled ... | |
| Fender bender | 12/18/2011 |
| Q: my husband was backing out of a parking spot and gently bumped a car parked illegally next to him. ... A: You can wait to see if the other guy reports it to your insurance company. He may decide it is to ... | |
| Diminished Value Claim - Must I Keep The Car While I Wait? | 12/17/2011 |
| Q: I am currently pursuing a diminished value claim with the at-fault driver's insurance company. The ... A: Although you do nto want to, it is best if you hold on to the car. You will need to hire a ... | |
| hit and run | 12/13/2011 |
| Q: I'm not exactly sure what to do in my case. I was the victim of a hit and run by a drunk driver. My ... A: You need to obtain a copy of the police report. Then you need to file a claim with the responsible ... | |
| Insurance Claim | 12/9/2011 |
| Q: I was driving south down I-75 in Sarasota County Florida. I seen a tractor trailer along side the ... A: It would seem to me that unless the truck driver was injured, that he had a duty to be sure the road ... | |
| Hit a lady running a red light and her insurance comany won't accept liability | 11/29/2011 |
| Q: I would like to know what I can do in this situation. I was going through an intersection with a ... A: Yes. The advise your insurance company is correct. However, before you file a law suit you should ... | |
| Lowball offer for totaled car | 11/22/2011 |
| Q: I have a question that refers back to a posted question from 9-12-2011 and your answer for getting a ... A: Very often an insurance company will reject the information a vehicle owner submits. This is done as ... | |
| Accident with a rental car without insurance | 11/19/2011 |
| Q: I got into an accident a few days back where i scrapped and dented the other party's car a little. I ... A: You could get into trouble if they think you intentionally lied. You should just tell them that you ... | |
| Unauthorized Use in PA | 11/16/2011 |
| Q: I loaned a friend my vehicle. She moved & I cannot locate her or have any contact with her. I ... A: I am not familiar with specific PA law as I am not an attorney. However I can tell you that your ... | |
| Rental Car Liability | 11/15/2011 |
| Q: I'm about to rent a car with my sister-in-law to drive to a family funeral which will require a 5 ... A: This is a difficult situation, but I will do my best. Generally, the rental contract, the credit ... | |
| Accident with a rental car without insurance | 11/14/2011 |
| Q: I got into an accident a few days back where i scrapped and dented the other party's car a little. I ... A: There is no way for me to know if our license will be suspended. Yes, you can contact the rental ... | |
| Safeco Insurance Low Ball Offer | 11/14/2011 |
| Q: I was driving and was hit by a person who change lanes and obviously didn't look. I had problems ... A: I'm sorry for your situation. Unfortunately, in your case, it does sound like you need an attorney. ... | |
| Our insurance companies disagree on fault, but I dropped collision | 11/8/2011 |
| Q: I was involved in a low-speed accident in California that damaged my car, rendering it undriveable, ... A: In most cases, you will have to show all of your evidence to the other side prior to any cort case. ... | |
| Our insurance companies disagree on fault, but I dropped collision | 11/2/2011 |
| Q: I was involved in a low-speed accident in California that damaged my car, rendering it undriveable, ... A: Yes you would sue the owner of the vehicle not the insurance company. Yes it would be a good idea to ... | |
| Extremely minor fender bender in california, no damage to either car, insurance called anyway? | 10/31/2011 |
| Q: Question for you: I was a party in an extremely minor fender bender in California, if you could ... A: I understand. But there is nothing you can do now. The insurance company will not give you any ... | |
| Extremely minor fender bender in california, no damage to either car, insurance called anyway? | 10/31/2011 |
| Q: Question for you: I was a party in an extremely minor fender bender in California, if you could ... A: You are correct. No incident is too small. Especially in this case. Based on your description of ... | |
| parking lot accident in FL | 10/31/2011 |
| Q: After experiencing a parking lot accident (both cars backing up), I was informed that Fl law is a ... A: If numerous accidents occur in the same way at the same parking lot, it is possible the business may ... | |
| ins paid us now company out of business | 10/29/2011 |
| Q: A customer brought his motorcycle to my shop in Maryland for repair, the insurance company paid his ... A: This is not insurance fraud. If your business is incorporated and it is filing for bankruptcy, you ... | |
| Claim settlement | 10/25/2011 |
| Q: It's been 50dys since lost of veh. Claim rep (state farm) still have nt settled nor paid my claim. ... A: I'm not sure of all of the facts, but, if you feel the insurance company is not treating you ... | |
| Auto Accident | 10/21/2011 |
| Q: I hope you will be able to help me. I have been looking to the answer to this question for about a ... A: Your fiance is going to have to hire an attorney to defend this case or he will likely lose. He ... | |
| Rear-Ended Someone While Without Insurance | 10/21/2011 |
| Q: Hixenbaugh, I was driving a car that rear-ended a van tonight in Chicago. I did not have ... A: If a claim is filed with the vans insurance, they will pay for the cost of the repairs. The ... | |
| buying a car | 10/18/2011 |
| Q: If a person buys a car and the owner of the car the person is buying has insurance does the ... A: Although auto insurance covers the vehicle it is issued to a specific individual. When a titled is ... | |
| Still no payment from State Farm...?? What is the cause for delay | 10/16/2011 |
| Q: PI bodily injury. I spoke with you in 2009 and 2010 about my accident. I was a passenger in a DC ... A: You should assume that State Farm will attempt to stall you right past the end of the statute of ... | |
| full-permissive use | 10/6/2011 |
| Q: I live in the state of Washington. My Farmers insurance agent suggested putting my 17 year old ... A: I'm not sure what the "Permissive use" clause is. That may be something exclussive to Washington. ... | |
| Auto Damage Appraiser/Estimator | 10/6/2011 |
| Q: I am a Fl Licensed All lines Adjuster. I was informed by a local body shop owner(has large ... A: If you are seeking to become an auto damage estimator on an independent basis, this woudl require ... | |
| Valet driver | 9/28/2011 |
| Q: After handing my keys to a valet driver at a hospital, my car was hit by another car while the valet ... A: There will have to be a liability decision between the insurance companies of the valet company and ... | |
| Car Accident Far From Home | 9/26/2011 |
| Q: My husband and I are on a road trip from Maine to California, where we are relocating for his job. ... A: I'm sorry you're going through this. You first need to make contact with the at-fault insurance ... | |
| auto accident | 9/24/2011 |
| Q: hixenbaugh, my name is ashley bates I was in an accident in 1994 when I was 9. I fractured my neck ... A: This will depend on what happened back when the incident took place. I assume there was a settlement ... | |
| Comp. Claim - Get appraisal or get it fixed? | 9/22/2011 |
| Q: I have a comprehensive claim. The insurance company is giving me two options. 1. Get the car ... A: Insurance companies recommend shops that they have a contract with that is designed to save the ... | |
| Loss of use claim | 9/16/2011 |
| Q: My home was damaged by a car accident caused by a driver that had a seizure and running into the ... A: Technically, Yes. You can make a claim for those items. However you should expect the insurance ... | |
| Reimbursement for loss of use | 9/15/2011 |
| Q: I am in New Mexico and was involved in an accident that was determined to be the other driver's ... A: This is a difficult question. The reason it is difficult is because on the one hand you are entitled ... | |
| Auto Claim | 9/14/2011 |
| Q: I was second driver listed on my friends insurance policy for some period. In that period I took ... A: The only dispute would be in court. You would have to prove that you did not cause the damage. If ... | |
| Auto Insurance Company-auto damages | 9/12/2011 |
| Q: my auto was hit in the rear on 9-16-11.. the estimate of the damage is $3500.00. unfortunately, ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ... | |
| Liability Claim.. Owner of car not the driver | 9/7/2011 |
| Q: So, My car was parked on the street this morning and hit by another car. The occupants abandoned ... A: It is true that insurance follows the vehicle and not the driver. However, when a vehicle is taken ... | |
| auto accident claim & Hipaa | 9/4/2011 |
| Q: My adult daughter, a resident in my home and driving an auto I own, was involved in an auto ... A: This is the typical procedure for insurance companies. Thay want all of the information so they can ... | |
| Unauthorized driver of rental car had accident | 8/28/2011 |
| Q: Hixenbaugh My adult son rented a car listing only himself as an authorized driver. He allowed ... A: It will certainly help your son. When you rent a car, only the people listed on the contract can ... | |
| Unauthorized driver of rental car had accident | 8/27/2011 |
| Q: Hixenbaugh My adult son rented a car listing only himself as an authorized driver. He allowed ... A: This is a bad situation. Your son will be 100% liable to the rental car company for the cost of ... | |
| Bike vs Car | 8/23/2011 |
| Q: I was recently in a car accident where I was riding my bike through a cross-walk on a college campus ... A: There is no hard and fast rule. However, considering the type of injury and the length of your ... | |
| Fighting a Claim Denial | 8/22/2011 |
| Q: About a couple of weeks ago, another driver hit me in a parking lot. My car was parked all the way ... A: Any case you would file would be against the at fault driver, not the insurance company. It is the ... | |
| Fighting a Claim Denial | 8/21/2011 |
| Q: About a couple of weeks ago, another driver hit me in a parking lot. My car was parked all the way ... A: It is true that some states have what is called "Contributary Negligence". That means that even if ... | |
| "Release of All Claims" letter | 8/20/2011 |
| Q: I reached an agreed on a settlement with auto insurance company for a body injury claim after being ... A: This is the usual procedure. It is ok to sign the release form. Once the insurance company signes ... | |
| total loss but my vehical is driverable | 8/19/2011 |
| Q: montero Mitsubishi 2002 vandalize rear back window bust tailgate door dont open no outer damage the ... A: The decision to total the vehicle is completely up to the insurance company. If the cost to repair ... | |
| who is at fault with this accident | 8/15/2011 |
| Q: I will pulling out from a parking spot on the righ side of the steet facing south. I had preceived ... A: I can not tell who is at fault based on that description. If you were parralell parked on the sude ... | |
| Rental Car Insurance Coverage | 8/15/2011 |
| Q: My sister was in an accident with a rental car recently and the following problem has come up ... A: Unfortunately, this is actually more of a contract issue than it is an insurance issue. I think your ... | |
| Determining Auto Salvage Value | 8/3/2011 |
| Q: Is there a percentage that insurance companies use to determine salvage value on a car? I've got a ... A: Since this is obviously an older vehicle the salvage value will be very low. Usually as a rule of ... | |
| Diminshed Value | 8/2/2011 |
| Q: Can you make a diminished value claim on an older vehicle? I have a 2001 Toyota Rav 4 that incurred ... A: The insurance company will tell you what ever they think will get you to go away. That having been ... | |
| insurance pay out | 8/1/2011 |
| Q: My car was recently damaged by a Budget Rental Truck and they have sent me a check for the repairs ... A: You can use any body shop you want. The check is payable to you. There is no receipt or anything ... | |
| insurance cancellation | 7/30/2011 |
| Q: If a car is sold is it a requirement in NJ to notify the insurer or can you continue the coverage ... A: When you sell a vehicle you no longer have an insurable interest in that vehicle. You should notify ... | |
| Loss of my car and denied by my insurance and his insurance will not let me file a claim | 7/26/2011 |
| Q: On March 2011 I let my boyfriend at the time use my suv to dj at a party.Cause all his equipment ... A: Unfortunately, there is nothing you can do. Since your boyfriend lived with you, he is required to ... | |
| teenage driver | 7/24/2011 |
| Q: I live in Georgia. Is it law that I add my 16 year old daughter to my auto insurance policy? What ... A: Virtually all auto insurance companies require that everyone in the household be listed on the ... | |
| Disputed liability | 7/22/2011 |
| Q: My daughter was in an accident two weeks ago. The police were called and there was an independent ... A: You should contact the at-fault persons insurance company and demand that they accept liability, ... | |
| DV in Indiana | 7/18/2011 |
| Q: I read a recent reply you supplied referencing DV in Indiana. I was curious is there any case law to ... A: I am not aware of any specific case law in Indiana that addresses diminished value. However, there ... | |
| Multiple Deductibles for Same Hail Incident | 7/16/2011 |
| Q: Good day, Mr. Hixenbaugh; I live in Oklahoma and our vehicles were damaged in a hail storm a few ... A: I understand your frustration, however, if you read your policy you will see that the deductible ... | |
| auto insurance dropped coverage | 7/16/2011 |
| Q: I renewed a policy with allstate on 4/15/2011. On May 22, 2011, allstate underwriters dropped my ... A: When you have an accident, it is your responsibility to report the accident as soon as possible and ... | |
| Ins claim | 7/15/2011 |
| Q: I was hit along with another car by a driver who has Safe Auto (state minimum coverage). The total ... A: You would send your letter directly to the adjuster you have been dealing with. Yes you should say ... | |
| Ins claim | 7/14/2011 |
| Q: I was hit along with another car by a driver who has Safe Auto (state minimum coverage). The total ... A: If the repairs to the other car were done 4 months ago, this is too long. You should mail a letter ... | |
| auto claim settlement | 7/13/2011 |
| Q: I am a 21 year old female from NE Ohio. I was recently a passenger in a car that slid on ice and ... A: Yes, 1.5 to 5 times the medical bills is accurate depending on the seriousness of the injuries. You ... | |
| Car Door Hit in Parking Lot | 7/12/2011 |
| Q: I recently had a parking lot fender-bender and was hoping that you would be able to advise me. I ... A: You can sue the other party, however, State Farm will have to provide them with an attorney to ... | |
| Comp Coverage | 7/11/2011 |
| Q: If I borrowed someone's car and hit a deer will my comp coverage cover their vehicle if all they had ... A: Generally, auto insurance follows the vehicle not the driver. However if you could convince your ... | |
| AUTO CLAIM | 7/10/2011 |
| Q: HIXENBAUGH ON APRIL 8 2011 MY CADILLAC WAS STOLLEN FROM MY JOB AND RECOVERDED ABOUT 10 DAYS LATER. I ... A: It bad enough whne your insurance company almost accuses you of a criminal act, but even after you ... | |
| Minor Fender Bender | 7/8/2011 |
| Q: I was involved in a minor fender bender a couple of months ago. Because the damage to my car is less ... A: This is a tough situation to be in. Your case4 is not big enough for any attorney to be willing to ... | |
| entitlement | 7/6/2011 |
| Q: I was involved in a rear ending at a Car Wash. 6 cars involved but only myself and my daughter were ... A: I'm not really sure what you are asking me. What you need to do is to call the at fault persons ... | |
| Property Claim - Auot Accident | 7/5/2011 |
| Q: I was recently in an auto accident where the other party ran a red light and was cited. My late ... A: The Diminished Value Claim Process Step 1: Proof of Loss The 1st step in the diminished value claim ... | |
| 2 claims in 1 month | 6/30/2011 |
| Q: I have an older pickup with a blue book value of around $3000. We were recently in a hail storm and ... A: The fire claim is a seperate claim. However when a vehicle is declared a total loss the insurance ... | |
| Does comprehensive insurance cover this | 6/28/2011 |
| Q: I let a friend borrow my extra car. He drove it hard to where it will not run now. I have ... A: Unfortunately no. Auto insurance does not cover mechanical breakdown issues. Comprehensive coverage ... | |
| Car Accident | 6/28/2011 |
| Q: My cousin had a car accident hitting rear, 3 cars involved. Guess my car is totaled, he is under-21 ... A: Auto insurance follows the car not the driver. So as long as your cousin does not live with you he ... | |
| Legal owner always liable? | 6/27/2011 |
| Q: I have a truck (2011 Dodge Ram) that is in my name only. My boyfriend is driving it, making all of ... A: No. I have never heard of a notorized letter getting you off the hook. If you are liable under the ... | |
| Insurance Claim | 6/27/2011 |
| Q: I was hit by a New York City Taxicab who tried to make a right turn and hit my front left bumper ... A: The only thing you can do is to argue. However, unless you have independent witnessess that would ... | |
| auto claim | 6/24/2011 |
| Q: my car was hit by a woman who has insurance. Her insurance has now said they will settle the claim, ... A: If your vehicle is a total loss, the insurance company should be paying you for the full value of ... | |
| Billed for a rental car Loss of Use Charge in California (is this LEGAL?) | 6/23/2011 |
| Q: My question involves insurance law for the state of: California I got into a single vehicle ... A: No you can not make a contract for something that ios illegal. However there are situations that ... | |
| Billed for a rental car Loss of Use Charge in California (is this LEGAL?) | 6/22/2011 |
| Q: My question involves insurance law for the state of: California I got into a single vehicle ... A: I am not an attorney and therefore can not provide you with a legal opinion on the specific law that ... | |
| Honda Replacement Cost | 6/22/2011 |
| Q: I reside in California and am in Texas for a few months to help my son with his children. I bought ... A: This is a common problem. It is up to you to prove them wrong. If the comparable vehicles you are ... | |
| road hazard | 6/21/2011 |
| Q: A rock came off of a trailer of a commercial truck and hit my windshield. I called the 1-800 number ... A: If the vehicle was hauling rocks or gravel and one came off the back of the truck, they are ... | |
| Claim Denial dispute | 6/21/2011 |
| Q: This incident happened in early March, 2011. I was entering through the gate of my University ... A: There is no expiration on the claim except for the statute of limitations which is generally at ... | |
| Question | 6/17/2011 |
| Q: 2 years ago my then 16 year old daughter was involved in an accident deemed her fault. Today (now ... A: You should ask your insurance company to keep you informed of any demands that come in from the ... | |
| auto collision coverage | 6/13/2011 |
| Q: We removed Collision coverage from vehicle 2 months ago, after several years of payment. ... A: You can not buy coverage after an accident has occured. That woulkd be like buying homeowners ... | |
| "cash out" insurance claim | 6/11/2011 |
| Q: Someone rear ended me. Their insurance company took full responsibility. I took my car to an auto ... A: You do not need multiple estimates. You do need to put your vehicle in the shop of your choice for ... | |
| claim question | 6/10/2011 |
| Q: I was in an accident in Jan of 08. i was 5 months preg. at the time and it was a hit and run. I ... A: From this point forward you need to be very careful in everything you do or say with the insurance ... | |
| dropped coverage without knowing | 6/8/2011 |
| Q: My husband was involved in an auto accident yesterday that was his fault. We are both insured ... A: Each state has different requirements on the type of notification that is required and how far in ... | |
| Liability | 6/7/2011 |
| Q: I work at a strip mall complex that has a flat roof, no ridge around the roof perimeter and has ... A: You could try to approach the strip center owner, however, it could be said that the rocks falling ... | |
| Am I responsible? | 6/3/2011 |
| Q: The other night, a friend let me borrow her car which is in her parents name as they bought it for ... A: This is a civil matter not a criminal matter. There is nothing the police can do unless it was you ... | |
| 1996 kawaski zx9 | 6/3/2011 |
| Q: I was hit by a driver who has aaa insurance ,it had been determined he was at fault. my motorcycle ... A: The decision to total the bike has nothing to do with how good the bike runs. It is purely a ... | |
| 1st party total loss claim State Farm FL | 6/2/2011 |
| Q: First thank you for your time in advance for any advice you can offer. This is so frustrating. My ... A: You ned to understand that regard less of all of the advertising from insurance companies that says ... | |
| assignment of fault by claims area | 6/1/2011 |
| Q: My son lives in an apt. and was parked in the private lot. This lot has one entrance. He backed ... A: Unfortunately, when you buy insurance part of the insurance policy says that the insurance company ... | |
| AUTO INCIDENT-changed story? | 6/1/2011 |
| Q: I was involved in an accident a few days ago where the other driver said I ran a stop sign. I have ... A: There is no criminal act here. You told the police officer that you "Thought" you stopped. That ... | |
| insurance check more than repairs cost | 5/31/2011 |
| Q: i have a vehicle that was damaged by hail. my insurance company inspected the damage and wrote me a ... A: If you were told by the state agency that controls banks that they can not take the money then I ... | |
| How much car insurance do I need? | 5/28/2011 |
| Q: It's time to renew my car insurance policy! How do I know how much coverage I need? I have a feeling ... A: I'm not aware of any website that will recommend amounts of auto insurance coverage you should have. ... | |
| settlement amount | 5/27/2011 |
| Q: I was involved in a multi car wreck, three people total were injured. The policy limit for the at ... A: You should not contact the other claimants since they are represented by attornies. Since there are ... | |
| 1st party total loss claim State Farm FL | 5/26/2011 |
| Q: First thank you for your time in advance for any advice you can offer. This is so frustrating. My ... A: Unfortunately, the only process that can help you is the "Appraisal Clause" of your policy. However ... | |
| car accident | 5/24/2011 |
| Q: My insurance company made a quick decision that I am at fault based on other driver story and ... A: You can file a claim with the other persons insurance, however, if they know that their insured has ... | |
| My fiancee's car, other driver's fault, but she filed false insurance during the police report. | 5/22/2011 |
| Q: I was in an accident in my fiancee's car in a McDonald's parking lot earlier this month. We filed a ... A: If there was a police report, then you can try to contact the police officer to inform him that he ... | |
| car accident | 5/21/2011 |
| Q: My insurance company made a quick decision that I am at fault based on other driver story and ... A: When you buy insurance, you are giving the insurance company the right to determine fault and pay ... | |
| car insurance claims | 5/16/2011 |
| Q: about a three months ago my first vehicle died since then i have been driving my mothers vehicle. ... A: It sounds like you have done everything correctly. The driver of the van is likely going to try to ... | |
| Borrowing the car | 5/14/2011 |
| Q: My grandson who is 18 wants to borrow one of our vehicles to drive to work until he can get one of ... A: In order for your grandson to be covered, you would have to inform your insurance company that your ... | |
| settlement amount | 5/13/2011 |
| Q: I was involved in a multi car wreck, three people total were injured. The policy limit for the at ... A: I understand that the policy limits are lower than your demand. I was simply saying that you need to ... | |
| Auto Insurance. | 5/11/2011 |
| Q: Can you plz help me with this Homework Question? Its about Auto insurance and Honestly I think the ... A: As i said this is "generally" the case, not always. Each state has different laws and requirements. ... | |
| Auto Insurance. | 5/9/2011 |
| Q: Can you plz help me with this Homework Question? Its about Auto insurance and Honestly I think the ... A: You are correct. This is a confusing question. You should bring this to the attention of the person ... | |
| viable coverage after wreck | 5/5/2011 |
| Q: I bought a truck from my son. I have the bill of sale from 6 months ago. It is financed at the same ... A: This is a mess. It was/is your responsibility to have the title changed into your name. The bank ... | |
| Comprehensive Garage Door Claim | 4/29/2011 |
| Q: I damaged someone car by closing the garage door on it. The car was stopped. Is this a ... A: If you did not own the car and it was your garage door at your home that you closed on the car, then ... | |
| Insurance Claim payout after sale of vehicle. | 4/29/2011 |
| Q: So the story goes like this. I had recently purchased a vehicle from craigslist and it was involved ... A: You can either sign off on the check or provide the adjuster with a copy of the bill of sale that ... | |
| hit by insured motorist but will not contact his insurance | 4/27/2011 |
| Q: Two weeks ago I was rear ended by an insured motorist in oregon. It was clearly his fault and he ... A: This is why you should always call the police. Now that this is done the only thing you can do if ... | |
| Training courses for Auto Apprasials | 4/20/2011 |
| Q: Richard I am in the process of acquiring my New York Independent Automobile Damage and Theft ... A: You are talking about two different things. One is getting licensed. The other is obtaining ... | |
| national car rental accident | 4/16/2011 |
| Q: we rented a car for my wife in manitoba a couple of weeks ago and for some reason she didn't buy the ... A: Unfortunately I do not have a list of phone numbers. However, you should be able to contact National ... | |
| Auto insurance company forgot to send invoices for part of last year | 4/11/2011 |
| Q: My son's auto insurance company called him today and told him that they forgot to bill him for part ... A: To the best of my knowledge, an insurance company only has 30 or 60 days after you purchase a policy ... | |
| address for small claims | 4/8/2011 |
| Q: I live in El Paso, Texas, and I wanted to file a small claims against State Farm Insurance. The ... A: Unfortunately, you did not provide any of the details of your case, but I will try to do my best. ... | |
| Semi hit car, our insurance had just expired | 4/7/2011 |
| Q: My husband has cancer and was going through chemo. On his first day back at work he was hit by a ... A: I'm sorry you are going through all of this. Your husband needs to call the truck insurance ... | |
| Auto Accident Question | 4/7/2011 |
| Q: I (the driver of a small 1996 nissan pick-up truck) was rear ended almost two years ago (other car ... A: This is a difficult situation. First, you do not need to prove your case beyond a reasonable doubt. ... | |
| Insurance coverage | 4/6/2011 |
| Q: I was in a car accident yesterday. What happened was a vehicle 2cars ahead of me braked unexpectedly ... A: Not to worry. Your mom's insurance will cover the damage to the other vehicles upto the amount of ... | |
| Should I claim for little over the deductiable amount? | 4/5/2011 |
| Q: I have collision insurance with $500 deductible on my 2008 Honda CRV from AAA. I hit a tree while ... A: This would be considered an at-fault event and would likely increase your premiums for the next 3 ... | |
| fiances auto accident | 4/2/2011 |
| Q: My fiance was involved in an auto accident, he died instantly. the other people involved all went to ... A: I am very sorry for your loss. The only way that you could have any liability is if your fiancee ... | |
| Cab/Bike/ My Car | 3/30/2011 |
| Q: In my case, a bike hit a cab door and hit my car causing damage to the passenger door.(The door and ... A: First, you need to go to a body shop to get an estimate of the cost of repairs. Then obtain a copy ... | |
| An old false claim against me | 3/28/2011 |
| Q: about 4 years ago I had an accident. I did not receive a report from the officer and not a ticket. ... A: All of my experience is in the US. There may be significant differences in the way insurance and the ... | |
| Social Security Number | 3/25/2011 |
| Q: Some one hit my car while it was parked and accepted 100% liability and called his insurance ... A: As is the case with most insurance claims, you must provide a social security number. This is for ... | |
| dealing with insurance co. | 3/25/2011 |
| Q: Recently had rear end collision and was cited for ACDA with my car now being totaled. How does the ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ... | |
| 3rd part benefit to my husband and son I was driver "at fault". | 3/22/2011 |
| Q: I'm sorry to be sending this again. I got a reply without a response. > To: > Date: Tue, 22 Mar ... A: At this point you likely do need to speak to an attorney. Your insurance company has tricked your ... | |
| Auto Accident and Ins comp misleading info | 3/22/2011 |
| Q: Good Morning, You helped clarify a question for us back in 2009 which I will copy here. Our son's ... A: I'm sorry you are still dealing with this. Unfortunately, your insurance company has tricked you ... | |
| Auto Accident | 3/21/2011 |
| Q: I was rear-ended by an uninsured drunk driver and got pushed into an insured drunk driver in ... A: If neither of the other drivers had any insurance coverage and you had no uninsured motorist ... | |
| sue insurance company | 3/19/2011 |
| Q: I was hit by a person driving who was hit by a another driver. I have been shuffled back and forth ... A: If you had to go to court, you would file against the drivers. However in this case you would be ... | |
| Loss of income | 3/16/2011 |
| Q: I retired from the Air Force on Sept 1, 2010. Auto accident Sept 3, '10. Significant wrist injury ... A: You are correct in waiting until after your surgery and all PT is complete before talking ... | |
| loss of use claims | 3/14/2011 |
| Q: I was in an auto accident in Dec 2010(in California). It was 100% the other drivers fault, however ... A: I'm sorry you had to go through this. You are entitled to payment for loss of use. I do not know ... | |
| how long does subrogation take | 3/12/2011 |
| Q: I was injured in Maryland as a passenger in a DC taxi who was not at fault. The taxi carries UIM. ... A: There is no way to tell how long it will take. If the at fault insurance company is arguing, it ... | |
| Uninsured Motorist Questions | 3/12/2011 |
| Q: My wife was involved in an accident where the other driver was found to be at fault. The other ... A: This is an unfortunate incident. If the at-fault driver purchased a car in her own name, then her ... | |
| Car Insurance | 3/11/2011 |
| Q: I was in a no-fault accident recently after moving to another state. My current carrier doesn't ... A: If you moved to another state you have 30 days to change insurance companies. If you have an ... | |
| Insured vehicles; expired license | 3/11/2011 |
| Q: I have two vehicles (Florida)for which I pay insurance for. My drivers license has expired.I cannot ... A: You should file the claim with your insurance company. You will be responsible for your deductible. ... | |
| Liability Issue | 3/9/2011 |
| Q: I brought my car to Town Fair Tire today to get new tires. They have ramps and lifts for low ... A: I don't know if you need to file a law suit at this point. You should tell the shop that you want a ... | |
| Liability Issue | 3/9/2011 |
| Q: I brought my car to Town Fair Tire today to get new tires. They have ramps and lifts for low ... A: The shop is liable. They should have known about your suspension. Yours can not be the first car ... | |
| Car insurance settlement | 3/8/2011 |
| Q: On February 8th I was stopped at a red light when a car slammed in the rear end of my car. My head ... A: You should never talk to anyone from the insurance company until all treatment is complete and you ... | |
| Attached trailer comp or collision? | 3/8/2011 |
| Q: I have a flat bed car hauling trailer. I loaned a friend my 8N tractor and I went to his house to ... A: Unfortunately, I would say this would fall under collision as well. Comprehensive clais are for ... | |
| force placed auto insurance | 3/7/2011 |
| Q: I bought a car and thought that the dealer would notify my insurance co. to transfer ins. from old ... A: $900.00 sounds very expensive for insurance for 2 months. You should contact your state insurance ... | |
| Auto Accident | 3/6/2011 |
| Q: Richard, I was driving down a residential street and when I turned right to enter my aunt's ... A: It sounds like you already know what to do. Since there is no insurance you will have to pay for the ... | |
| Car insurance settlement | 3/4/2011 |
| Q: On February 8th I was stopped at a red light when a car slammed in the rear end of my car. My head ... A: I'm sorry you're going through this. Unfortunately, Insurance comapnies will base your settlement ... | |
| i feel other driver was speeding | 3/3/2011 |
| Q: my 18 yr old son was hit and car demolished. he was at complete stop, look left right left, ... A: In my esperience almost anything is possible. The only way that I could make a determination is to ... | |
| i feel other driver was speeding | 3/2/2011 |
| Q: my 18 yr old son was hit and car demolished. he was at complete stop, look left right left, ... A: Unfortunately, it seems your son will be found to be at fault. If his paassenger was injured and has ... | |
| i feel other driver was speeding | 3/1/2011 |
| Q: my 18 yr old son was hit and car demolished. he was at complete stop, look left right left, ... A: The damage does not always tell the whole story. There are little nuances in the traffic laws that ... | |
| Accident in driveway | 2/24/2011 |
| Q: I was reversing my car out of the driveway and I bumped into a car that was parked on the road ... A: Yes, you are liable. Anytime you hit any stationary object or another car, even if that car is ... | |
| Insurance Company Pay for Damages on My Car | 2/22/2011 |
| Q: can you please help I don't know what to do, My son was in an car accident in the High School ... A: Since the other insurance comapny has denied liability and you have no collision coverage you only ... | |
| coverage | 2/21/2011 |
| Q: the company that i am going to work with requires me to have a $1 million dollar liability auto ... A: I am not aware of any insurance company that writes a 1 million dollar personal auto policy. ... | |
| Medical claims limit auto accident- not at fault | 2/17/2011 |
| Q: My parents were hit head on by a driver who ran through a light (thought it was a ghreen arrow) ... A: I'm very sorry your parents are going through this. Unfortunately, there are only two thing that ... | |
| Automobile Insurance | 2/16/2011 |
| Q: My son was involved in a car accident.It was the other drivers fault. Her insurance company accepted ... A: If you selected the shop, the insurance company is not responsible for the quality of repairsYou ... | |
| demand letter | 2/15/2011 |
| Q: I have 6 months left till I reach the statue of limitation for may auto wreck. Im not sure what ... A: This is not a forum in which I can give specific advice without actually revewing all of your ... | |
| One accident and pay two deductible?? | 2/15/2011 |
| Q: Richard, I have both homeowners and auto insurance with the same company. Not knowing my garage ... A: Even though it is one accident it is two seperate policies that are paying for the damage. Each ... | |
| Refusal to reimburse for car rental | 2/14/2011 |
| Q: Hope you can help - sorry for the long-windedness. I was rear-ended on a California freeway ... A: The law only requires that you be paid for "reasonable" rental during repairs. This leaves the door ... | |
| Insurance Scam | 2/12/2011 |
| Q: in November i received a call from my ins co., telling me they were calling me inref. to my claim? i ... A: You are correct. However, the fist part of the process in going after the other person is to exclude ... | |
| AAA Towing ruined my car | 2/10/2011 |
| Q: a towing co. that works with AAA came last night to tow my car, which was stuck in a small amount of ... A: You need to call AAA to file a complaint and a claim against their tow driver. This is not going to ... | |
| Slid off road in bad weather | 2/9/2011 |
| Q: Slid off road in icy conditions after I left work. Cars all over the place. Sideswiped a guardrail ... A: If you intended to file a claim, you should have done so as soon as possible. However, you can still ... | |
| Refusal to reimburse for car rental | 2/8/2011 |
| Q: Hope you can help - sorry for the long-windedness. I was rear-ended on a California freeway ... A: You should get from the repair shop any statement that shows that there were parts on back order. ... | |
| Two accidents in 1 month - hit and run rear-ended in my car, and then rear-ended in friends car | 2/7/2011 |
| Q: 1 month back I was rear-ended in a hit and run accident. Since it was a hit and run my insurance ... A: If you are specifically asked about other accidents you've been involved in you must tell the truth. ... | |
| Diminished Value Law in Ohio | 2/4/2011 |
| Q: I was in an auto accident on 1/12/11. I sustained no personal injury but the cost to repair my ... A: If your claim through your insurance company is being handled as an uninsured motorist claim, then ... | |
| Auto accident, having a hard time getting things settled | 2/3/2011 |
| Q: I was in an auto accident on 11-15-10.. I was at a stop light in a left turn lane and the ... A: Yes, Yes and Yes. You should run, not walk to obtain an attorney as soon as possible. You should not ... | |
| auto insurance coverage | 2/3/2011 |
| Q: I use my truck for work for a real estate company doing courier work, picking up jobs from the ... A: This is partially true. However, you do not need a commercial policy. What you do need to do is to ... | |
| Unpaid Claims | 2/2/2011 |
| Q: I work for a medical provider. Our patient has a 3rd party claim in California. However, he is not ... A: Of course you can send them to collections. You are no different than any other business. You ... | |
| Car Insurance | 1/31/2011 |
| Q: I was the President of Talltower Inc. until it went defunct in 2004. Mary Snyder was our ... A: It sounds like they want to revoke her license because the vehicle was uninsured at the time of the ... | |
| Auto collision in borrowed car | 1/30/2011 |
| Q: A city bus signaled before a busstop and pulled aside as normal. The driver in the vehicle following ... A: You will likely not like what I have to tell you, but here goes. Driver of car 1 is not ... | |
| liability | 1/29/2011 |
| Q: I was sitting in traffic when all of a sudden I got broadsided. I later found out that the car that ... A: The person responsible for paying for your damages is the person who is ultimately determined to be ... | |
| Unpaid Claims | 1/28/2011 |
| Q: I work for a medical provider. Our patient has a 3rd party claim in California. However, he is not ... A: This is more of a legal question than an insurance claims question. However I would say that you ... | |
| being sued | 1/28/2011 |
| Q: We live in NY, My son is 19 yrs old and has his own car insurance but lives in my home. If he gets ... A: As long as the vehicle title, registration & insurance are only in your sons name, and since he is ... | |
| question about chiropractor | 1/28/2011 |
| Q: ..the driver of the other vehicle was at fault...I went 2 the emergency room for neck & back pains & ... A: I really don't understand your question but I will try to answer. The chiropractor gets paid for ... | |
| Are we 100% at fault | 1/27/2011 |
| Q: A vehicle backs out of driveway and strikes a vehicle setting across the road. The question arises ... A: Anytime someone hits a stationary object that are at fault. It does nt matter if the vehicla was ... | |
| liability as a lienholder | 1/25/2011 |
| Q: We want to sell a car to our daughter. We will be listed as the lienholder. When a financial ... A: If your daughter is 18 or over then you are not liable for her actions under any circumstances. You ... | |
| auto accident in parking lot | 1/25/2011 |
| Q: I went to pull into a parking spot at a local market and another vehicle started to back out so I ... A: You should not be handling any of this. You need to referr all calls or mail to your insurance ... | |
| aftermarket parts used without my knowledge | 1/23/2011 |
| Q: My son hit a building last march, we had progressive insurance at the time. We had a local chevy ... A: In most states, an insurance company can specify the use of after market parts as long as the ... | |
| Extended Warranty Claim | 1/22/2011 |
| Q: Do I have any recourse when a warranty company tells me it will only pay for after market parts when ... A: Based on what you have stated, it sounds like to need to seek the advice of an attorney. An attorney ... | |
| when no problem becomes a problem | 1/21/2011 |
| Q: About a month ago just before Christmas where I live there was a light dusting of snow covering some ... A: When you report this to your insurance company, you should voice your concerns about prior or ... | |
| when no problem becomes a problem | 1/20/2011 |
| Q: About a month ago just before Christmas where I live there was a light dusting of snow covering some ... A: You are correct. Always call your insurance company. At this point you shoudl call your insurance ... | |
| Uninsured Motorist Property Damage | 1/20/2011 |
| Q: On 01-09-11 I was involved in a accident during snowy weather. I slid off into a ditch while trying ... A: There is more to this than a simple answer can provide. You should file the claim with your ... | |
| Arbitration-Court | 1/19/2011 |
| Q: My husband and I were in a car accident on Sunday. A man had stopped at a stop sign and then pulled ... A: As I said before, you are worrying too much. The other insurance comapny does not have to do ... | |
| Medical Claims Data | 1/15/2011 |
| Q: I chair a coalition working on improving seatbelt laws in Massachusetts. We are trying to engage ... A: I do not have any data of this type, however, you should check with a variety of auto insurance ... | |
| Arguing Loss of Use | 1/15/2011 |
| Q: I was just reading a post of Auto Insurance Claims/Arguing loss of use, adjuster not willing to pay ... A: Your mother is owed for the actual cost (including sales tax) of a rental car for the days that she ... | |
| Arbitration-Court | 1/14/2011 |
| Q: My husband and I were in a car accident on Sunday. A man had stopped at a stop sign and then pulled ... A: Although I understand why you are worried, you are worrying too much. You should file the claim with ... | |
| Struck by snow plw | 1/7/2011 |
| Q: I was parked in the Village of Babylon ,LI NY and was struck by a snow plow.The insurance carrier ... A: It does not matter what they count it as, as long as they don't increase your premium. The only ... | |
| should i file an insurance claim | 1/7/2011 |
| Q: I was making a left turn and hit a slick spot and slid and bumped into the curb and damaged the ... A: You should have the suspension of the vehicle checked out to be sure there was no other damage. If ... | |
| Claim Payment | 1/7/2011 |
| Q: An insured hit my parked car and did $5000 in damages. That is not disputed, I took it to two ... A: I'm not sure what state you live in but, in many states an insurance company is required to protect ... | |
| Struck by snow plw | 1/6/2011 |
| Q: I was parked in the Village of Babylon ,LI NY and was struck by a snow plow.The insurance carrier ... A: I am not spicifically aware of obscure laws in NY. The best source for that information would be ... | |
| low mileage adjustment calculation | 1/5/2011 |
| Q: I am in a dispute with my auto insurance after my car was hit and run while parked on the street. I ... A: Mileage is usually calculated at about 6.5 cents per mile. However this may also differ based on the ... | |
| insurance company | 1/5/2011 |
| Q: I'm the owner of tow company D & M Towing, & had recently read an article in Tow Times Magazine, ... A: I have never heard of such a thing. If there is no coverage and the insurance company does not pay ... | |
| adequate auto insurance coverage | 1/5/2011 |
| Q: I live in Pa and have a general questions concerning having adequate auto insurance. Do you ... A: You purchase insurance to cover potential losses. 100/300 is a reasonable amount but, if you have ... | |
| How to handle unresponsive Claim Adjuster | 1/3/2011 |
| Q: Case background: I was involved in an automobile accident a month ago in Ohio. Their car pulled out ... A: I'm sorry you are having such a tough time. One thing you can count on is that an insurance ... | |
| gap in insurance payment - had an accident | 1/2/2011 |
| Q: My husband and I have been with the same insurance company for over 15 years. We have 2 children ... A: This is a very unfortunate incident. There is not much you can do. There is no grace period on ... | |
| Questions about inury claim | 1/2/2011 |
| Q: I recently was in an auto accident which resulted in Cervical & Thoracic Strain, Headaches, Mofacial ... A: It seems you are very confused. I will try to provide some clarity. First of all the term ... | |
| Settlement value and payment | 12/30/2010 |
| Q: I had auto accident 5/2008, other party was at fault. I was taken by ambulance to hospital with back ... A: Unfortunately, these types of claims do take a long time to settle. Your attorney likely is asking ... | |
| SR22 | 12/30/2010 |
| Q: Two years ago I was married, but seperated. We had a car that was in both our names (I co-signed ... A: Yes. As long as your name in on that car either on the loan or on the registration, you will be ... | |
| Diminished value | 12/29/2010 |
| Q: I was recently rear ended by a person insured by Progressive. I have SL63 Mercedes 2009 which ... A: If your apprpaiser is someone who deals with this on a regular basis, they should be providing you ... | |
| Auto accident & insurance company disputes. | 12/29/2010 |
| Q: I was in an accident recently & am having major issues w/the other driver's insurance! The accident ... A: In this type of situation the insurance company will not accept liability until they can verify all ... | |
| Diminished value | 12/28/2010 |
| Q: I was recently rear ended by a person insured by Progressive. I have SL63 Mercedes 2009 which ... A: As is often the case in these situations, it sounds like your appraiser overstated the amount of ... | |
| Med Pay time limit for minor | 12/28/2010 |
| Q: My auto policy states that the med pay limits are $5000 and covers treatment rendered within one ... A: You are confusing two different things. The statute of limitations is a limitation on ones ability ... | |
| Hit by a bus | 12/27/2010 |
| Q: A few days ago, my new 2010 car was hit by a local transit authority bus. It was parked in front of ... A: I am not specifically familiar with PA sovereign immunity laws. In most cases, if the transit ... | |
| insurance issues | 12/27/2010 |
| Q: recently i was in an accident where there was bad road conditions , my car stalled on black ice ... A: If you were stopped and the other car came down the hill and hit you then the other car is at fault. ... | |
| motor vehicle accident , and ticketed, while driving a company car | 12/27/2010 |
| Q: Will the company represent me for the ticket, and should I report this to my insurance company, as I ... A: Your ticket is between you and the court system. If you feel you did nothing wrong and did not ... | |
| Not at fault accident claims process | 12/24/2010 |
| Q: 1. This week, while fully stopped in a ticket booth line inside a parking garage, a car behind me ... A: Whether or not you have insurance in not relevant. The at fault driver through his insurance company ... | |
| Care Custody and Control | 12/22/2010 |
| Q: I have a landscape client who provides snow removal service to businesses. They were recently ... A: To be honest, commercial auto policies are not my stongest area of knowledge. However, it appears ... | |
| Car not properly fixed after comming back from shop | 12/21/2010 |
| Q: I recently got my car back from the body shop. My car was in for a simple rear end bumper fix with ... A: Yes. You should call the shop and tell them that when you bring your car back in that you will need ... | |
| denial of claim | 12/20/2010 |
| Q: last week somebody rare ended me at NJ , we called police and the person who hit me claimed there ... A: If the police officer was able to see any damage to the rear of the car that hit you, then it would ... | |
| auto claim | 12/17/2010 |
| Q: I was recently hit from behind some minor damage that I can repair myself. The question is do I have ... A: If the check is issued only to you then yes you can cash the check and do the repairs yourself. ... | |
| loss of use | 12/17/2010 |
| Q: I was involved in an accident for which I was not at fault. It has been three months and we are ... A: Yes, you are entitled to be paid for loss of use. A reasonable figure would be about $20.00 to ... | |
| new agent needed | 12/17/2010 |
| Q: .maybe you can help. i have shelter insurance for home and two cars. its a good company but the ... A: You should call customer service at Shelter's home office. Tell them to provide you with a list of ... | |
| Length you can file a claim | 12/16/2010 |
| Q: Last year as a delivery driver I parked at a delivery and accidently put my car in Neutral instead ... A: The statute of limitations is different in each state, however, in most states it is usually at ... | |
| Negotiating with Insurance Co. re: value of car | 12/16/2010 |
| Q: Are the insurance company's hands really tied as to negotiating the value of a car in a total loss ... A: The insurance company is no helpless at all. Just the opposite. They are thugs who's job it is to ... | |
| SR22 | 12/16/2010 |
| Q: I'm required to get an SR22 butI don't own a car. I plan on filing for a non-owner SR22. DO I have ... A: An SR22 is insurance. When you go to an insurance agency to purchase a non-owners SR22, it will ... | |
| cost of parts liability | 12/15/2010 |
| Q: My motorcycle was knocked over by another vehicle while parked. Their insurance company sent a ... A: You need to send a letter to the insurance company by certified mail/return receipt requested. In ... | |
| Insurance Assigning Fault | 12/14/2010 |
| Q: I was involved in a car wreck and my insurance company has assigned 70% of the blame to me and 30% ... A: Your insurance company is likely just trying to save a few bucks by assigning 30% to the other ... | |
| Under-age driver in minor car accident | 12/14/2010 |
| Q: If my son was involved in a minor car accident (approx. $1,500 in damages) where he is 50% at fault, ... A: Yes. If your son was any percent at fault, the insurance company will use that to increase the ... | |
| Filing An Auto Accident Claim | 12/11/2010 |
| Q: I live in Texas and I was recently involved an auto accident. I was hit from behind and was not at ... A: There is no specific time limit. The only requirement is that it is reported "as soon as possible". ... | |
| Blown tire causes vehicle damage | 12/10/2010 |
| Q: My rear passenger tire blew (lost its tread according to the tire service center) and severely ... A: Unfortunately this is beyond my knowledge. You would have to contact the tire manufacturer and ask. ... | |
| total loss | 12/9/2010 |
| Q: The insurance company keeps using the term "local market value" with regard to what they are ... A: The local market value is the average value of your vehicle within about 100 miles of where you ... | |
| Auto Total Loss / Bad Faith. | 12/9/2010 |
| Q: First, Thank you for your time. I know you can answer based only on the info I provide, so to keep ... A: I will try to answer your questions in the order you asked them: 1) If the insurance company had ... | |
| My parked car was hit | 12/9/2010 |
| Q: On 11/24/10 my parked car was hit by an 18 year old driver while I was in bed. When I got outside ... A: Now that the insurance company has accepted 100% liability, they are responsible for paying for your ... | |
| Insurance rate change | 12/8/2010 |
| Q: We have a separate policy with a seperate company (from my wifes and mine) for my daughters car. I ... A: If your daughter is also listed as a driver on your and your wife's policy, then your daughter's ... | |
| 02 Concorde engine locked up due to water pump replacement | 12/7/2010 |
| Q: I recently had my water pump and timing chain replaced on my 02 chrystler concorde. I have a 2.7 ... A: No. The mechanic is not liable. The engine problem is a known issue but you had to have the water ... | |
| Should I file a claim? | 12/7/2010 |
| Q: I was backing out of parking space this evening and an impatient driver attempted to speed around ... A: In this case I would say not to report this until you hear either from the other driver again or ... | |
| Texas Parking Lot Law | 12/7/2010 |
| Q: Please identify the at fault party in the following scenario. Texas parking lot (private ... A: Any time you hit a stationary object you are at fault. It does not matter that the truck was ... | |
| Auto/bicycle accident | 12/6/2010 |
| Q: My son was on his bike going to school and was taking a right turn onto another street. The other ... A: You should not base your demand on what the minimum coverage allowed is. Regardless of the policy ... | |
| no insurance | 12/6/2010 |
| Q: i totaled my wifes car single car incident flipped it over the car is financed and didnt have ins ... A: I'm sorry this happened to you. The vehicle is likely totaled. I'm not sure what you mean by what ... | |
| Refute Police Accident Report | 12/5/2010 |
| Q: Is it possible to refute a police accident report? I was involved in a traffic accident where I was ... A: It is possible to try but it is unlikely to have any affect. You would ned to call the police ... | |
| What to do after third party claim denial | 12/3/2010 |
| Q: My daughter got hit while turning right from a vehicle turning left at an intersection with green ... A: Well you can file suit if you want to but, remember that you must be able to prove your case. You ... | |
| My parked car was hit | 12/3/2010 |
| Q: On 11/24/10 my parked car was hit by an 18 year old driver while I was in bed. When I got outside ... A: It is typical that an insurance company would not accept liability until they speak with their ... | |
| Auto engine damage | 12/2/2010 |
| Q: I had the water pump in my car replaced and the first day I got it back and drove it my engine froze ... A: Do not accept any money unless it is the total amount you are willing to settle for. You should ... | |
| Auto/bicycle accident | 12/2/2010 |
| Q: My son was on his bike going to school and was taking a right turn onto another street. The other ... A: You need to get tough with this insurance company. A 10 year old can not be negligent. The aduld in ... | |
| What to do after third party claim denial | 12/2/2010 |
| Q: My daughter got hit while turning right from a vehicle turning left at an intersection with green ... A: Since the two insurance comapnies are involved, it is best to just let them work it out. Call your ... | |
| should i file a claim and how would i if so | 11/27/2010 |
| Q: I am staying in CA for awhile but my auto is registered in FL and my DL is FL. While parking I hit ... A: You are required by law as well as the terms of your policy to notify your insurance company of a ... | |
| cell and text record requirements for auto claim | 11/27/2010 |
| Q: do i have to give my insurance co my cell and text records for the day of the accident. it was a hit ... A: Any time you file a hit and run claim, a fire or theft claim, the insurance company always suspect ... | |
| Dealing with med. bills and ins. claims after accident | 11/24/2010 |
| Q: I was rear ended while at a stop light on Sunday night, 11/21/2010. I was driving and my boyfriend ... A: Unfortunately, things don't always work the way you think they should. If you go through Farmers ... | |
| walmart accident | 11/24/2010 |
| Q: Well today when I got home from walmart I noticed damage to the front of my car. Its looks as if ... A: You can try to call the store manager at Walmart to see if they have the security tape from the ... | |
| Rear ended, still recieveing treatment | 11/23/2010 |
| Q: A little over a year ago I was rear ended while at a complete stop (the driver was in a van, I was ... A: I'm sorry you are going through this. Unfortunately, the balance of the process with the insurance ... | |
| liability of lien holder | 11/22/2010 |
| Q: A family member has asked me to co-sign a loan of $6000 for an auto loan but I understand that ... A: Sorry for the misunderstanding. If you loan your relative the money and have yourself listed on ... | |
| liability of lien holder | 11/22/2010 |
| Q: A family member has asked me to co-sign a loan of $6000 for an auto loan but I understand that ... A: If you are co-signing the loan there will already be a lienholder which is the finance company ... | |
| No Prior Coverage Increase | 11/22/2010 |
| Q: Why do underwriters charge more for a car insurance policy if the covered individual does not have ... A: Underwriters lokk at someone who does not have recent prior coverage as a potentially greater risk. ... | |
| I hit a deer in NY state and totaled my car.. | 11/21/2010 |
| Q: I recently hit a deer on Oct 3rd went off the road and flipped the car resulting in a totaled car ... A: Unfortunately, I have only bad news. When a car is totaled there is generally no or very limited ... | |
| Total Loss Payout for 2003 Ford Windstar | 11/19/2010 |
| Q: My 2003 Ford Windstar was declared totalled, due to having significant frame structure damage with ... A: There is no specific value for any vehicle. It will always fall into a range of value. The value ... | |
| rear ended a car in a rental car | 11/17/2010 |
| Q: I am sure you've heard the saying "the cheap comes out expensive." And how true it is. My uncle ... A: Unfortunately, your uncles homeowners insurance will not pay in this situation. He would have to ... | |
| stolen | 11/17/2010 |
| Q: My QUESTION IS IS IT LEGAL TO REJECT A CLAIM AFTER 5 TO SIX MONTH? MY TRUCK GOT STOLEN IN JUNE AND ... A: This sounds like you need an attorney. You can first contact your state insurance commissioners ... | |
| Secondary Incident | 11/16/2010 |
| Q: About a month and a half ago, a friend backed into my car while it was parked in her driveway. The ... A: Yes you can go to small claims court. However, You would have to file suit against your friend that ... | |
| total | 11/15/2010 |
| Q: ..I owe lets say 15,000 the insurance says its worth only 10,000 how do I make up the difference ... A: When your car is totaled the responsible party is responsible for paying the value of your car, not ... | |
| Concerned after 2010 Tundra wrecked by Third Party | 11/14/2010 |
| Q: QUESTIONs: 1) I had my new vehicle hit most front end in is damaged lights, both fenders, hood, ... A: The decision to repair or total the vehicle is up to the insurance company not the vehice owner. ... | |
| total | 11/12/2010 |
| Q: ..I owe lets say 15,000 the insurance says its worth only 10,000 how do I make up the difference ... A: If you do not have GAP insurance, the best way to make up some of the difference is to be sure they ... | |
| insurance claim | 11/12/2010 |
| Q: My wife was in an accident in the beginning of October. She was in traffic on a highway when a van ... A: You should take your vehicle back to your mechanic and bring your digital camera. Have the mechanic ... | |
| Gap Insurance | 11/11/2010 |
| Q: I totaled my 2008 Toyota Prius in a not-at-fault accident ten days ago in Atlanta, GA. My auto ... A: Since you have 2 GAP policies, you should file the claim with both. However, you shgould know that ... | |
| Can I Win An MA Surcharge Appeal? | 11/10/2010 |
| Q: Last week I was in the right most lane at a red light and the driver in front of me put it's car in ... A: I am not specifically familiar with the MA Surcharge Appeal process. However, based on your ... | |
| Small hail storm 10/12/2010- Carroll County GA | 11/10/2010 |
| Q: Good morning - I was on my way home from work on this Tuesday late afternoon, and it was raining and ... A: It does not matter that they can not find proof of a storm. You have insurance to pay for damage to ... | |
| All-State FL claim | 11/9/2010 |
| Q: I was rear-ended by an All-State driver in Florida. My car is a 2006 Toyota Avalon with 60k miles. ... A: Unfortunately, if a vehicle is over 1 year old or has over 12,000 miles on it, the insurance company ... | |
| Dent in parking lot | 11/9/2010 |
| Q: I had parked my car in the lot of a store. I did park away from any other car, and we went in side ... A: Unfortunately, you insurance company is correct. A comp claim would be for theft, vandalizm, hail, ... | |
| Not reporting permissive user accident for collision converage | 11/8/2010 |
| Q: This sounds stupid, and it probably is. But, last year around this time I was being treated for ... A: Yes. Your insurance company will still have to pay for the repairs. You will simply tell them that ... | |
| Bagging Out | 11/8/2010 |
| Q: I was bagging out of parking space and notice there was another car bagging out directly behind me. ... A: Parking lot accidents are some of the most difficult to determine fault. The other driver likely ... | |
| Roto-Rooter vehicle hit my car then took off | 11/7/2010 |
| Q: My car was parked on the street the other night and it got hit by a contractor that works for ... A: I'm not sure how you know it was a Roto-Rooter Truck considering you did not see the damage until ... | |
| Med Pay, Settlement | 11/4/2010 |
| Q: I was rear ended, other party admitted fault, both parties have AAA. I used my med pay for myself, ... A: It is true that MEDPAY does not have to be repaid but your health insurance does. Depending on the ... | |
| 50-50 Fault... | 11/4/2010 |
| Q: question. I really appreciate it. I was recently in an accident where according to the Rules of ... A: This is not worth fighting. Since your only witness states that they saw a turn signal, you have no ... | |
| Auto Insurance Claim | 11/4/2010 |
| Q: Can you make a claim regarding an accident that occurred over a year ago that wasn't filed in any ... A: Yes you can make a claim for an accident that occured over a year ago. However you should expect ... | |
| one accident, two claims? | 11/3/2010 |
| Q: I hit the back of a bus and damaged the front of my car. As I swerved to avoid the bus I pulled in ... A: The insurance company can do pretty much what they want. The decision to repair or total a vehicle ... | |
| Bodily injury | 11/3/2010 |
| Q: "I was in a car wreck on 6-15-10. The other driver was at fault. We both have state farm insurance. ... A: First of all, since you have an attorney, you should not be contacting the claims adjuster for ... | |
| Hail damange auto insurance | 11/2/2010 |
| Q: I was recently in a accident. The insurance company told me to wash the car and take it in to the ... A: Anytime you make a claim for something like hail damage, the insurance company will want to try to ... | |
| Auto Insurance | 11/1/2010 |
| Q: My vehicle was recently damaged in a hail storm. My insurance company declared it a total loss. The ... A: You need to demand that the insurance company provide you in writing exactly why you can not retain ... | |
| Vehicle declared Total Loss - I want to keep | 10/30/2010 |
| Q: Major hail storm hit Phoenix, AZ earlier this month. My insurance company has declared my vehicle a ... A: Understood why it is being totaled. I have handled many hail damage claims. If the vehicle is ... | |
| Vehicle declared Total Loss - I want to keep | 10/29/2010 |
| Q: Major hail storm hit Phoenix, AZ earlier this month. My insurance company has declared my vehicle a ... A: Insurance companies and lienholders go through this process hundreds of times a day. I'm not sure ... | |
| hit and run | 10/29/2010 |
| Q: We had two vehicles parked in front of our house after driveway was paved. Vehicle 1 struck vehicle ... A: This is a very confusing situation but I will do my best. From your description, I will assume ... | |
| it is mayhem | 10/27/2010 |
| Q: My daughter was broad sided by an individual who ran a red light. The other insurance company has ... A: The insurance company is required to provide you with a "comparable" vehicle. Now the definition of ... | |
| Suspicious parking lot bump situation | 10/27/2010 |
| Q: I'd like to ask what to do on my situation I had this evening. Tonight, I parked my car on the ... A: For the moment you should do nothing. Call the other driver and ask them to meet you at a body shop ... | |
| Arbitration and Diminshed Value | 10/27/2010 |
| Q: Mr. Hixenbaugh, I'm currently involved in an arbitration and diminished value claim. The ... A: You insurance company is correct. If you sign the release form, it will release them from any and ... | |
| not at-fault in total-loss accident - how do I recover my deductible? | 10/26/2010 |
| Q: My car was totaled when another driver ran a stop sign on 14th Aug 2010. (Today is 26th October ... A: Your insurance company should be pursuing the at-fault person and/or their insurance company for ... | |
| Hail Damage Total Loss | 10/26/2010 |
| Q: Like many others in Phoenix, we had some heavy hail early this month, but I feel there is something ... A: This sounds a lot like the strong arm tactics of the 1930s Chicago gangsters. Sometimes I think many ... | |
| loss of use of Vehicle Question | 10/26/2010 |
| Q: My vehicle had an accident on Sep 17.2010. It was not my fault. The vehicle was towed to the ... A: The insurance company owes for a rental car or loss of use for the reasonable period of time needed ... | |
| Hail damage | 10/25/2010 |
| Q: MY Shelby was damaged by a hailstorm in Phoenix a couple of weeks ago. The damage will probably be ... A: Unfortunately, no. In order for the shop to be liable in any way you would have to prove that they ... | |
| AUTO COVERAGE | 10/23/2010 |
| Q: I drive a car which is technially my mothers car and i am the primary driver. the car is registered ... A: You should inform the insurance company of your correct address. If they find that the car is ... | |
| Diminished Value of 06 Jeep - head-on accident | 10/22/2010 |
| Q: A little over a month ago I was involved in a head-on collision with me at about 10 mph and the ... A: Your situation is not uncommon. This scenario happens every day across the country. You are ... | |
| Total Loss? | 10/22/2010 |
| Q: I bought my car in October 2009, it got into a crash in August 2010. I have State Farm Insurance, it ... A: The decision to repair a vehicle or declare it a total loss is completely up to the insurance ... | |
| total vehicle | 10/21/2010 |
| Q: through a credit union and dealer is financing remaining balance. He just backed out of financing ... A: Neither the 1st or 2nd leinholder are automatically paid off in a total loss. The amount that is ... | |
| PHX area Hail Damage to SUV | 10/19/2010 |
| Q: A freak hail storm, my babied late model 2002 Suv (low mileage 50.000 miles, like new condition), ... A: Unfortunately, there are no options. The decision to repair or total the vehicle is solely up to the ... | |
| loss of use | 10/19/2010 |
| Q: Commercial trailer got into accident due to the fault of the other . 1. Repair shop is telling ... A: Yes. They owe for the entire time it took to repair the trailer. You may need to get the shop that ... | |
| Collision damage/2002 Chevrolet Avanlanche | 10/19/2010 |
| Q: I am asking the followingI was involved in a very minor accident with my Bobcat 731 skidsteer and a ... A: This is a tough case. Unfortunately, I do not know where you would find an expert that would be ... | |
| loss of use | 10/18/2010 |
| Q: Commercial trailer got into accident due to the fault of the other . 1. Repair shop is telling ... A: You are entitled to loss of use for the cost of renting a comparable trailer. However, the insurance ... | |
| Claim re: Hail damage..Progressive Ins. Co> | 10/17/2010 |
| Q: I reside in Phoenix AZ. We had a major storm on 10-05-2010. Golf and tennis ball sizd hail with 60 ... A: Welcome to the wonderful world of auto insurance claims. The reason the adjuster shorted the ... | |
| Hail Damage Check To Me? or Bank? | 10/17/2010 |
| Q: We recently had a hail storm hit in the state of AZ and a lot of damage was done throughout the ... A: When you have a loan on a vehicle, the leinholder is listed on your policy as an additional insured. ... | |
| liability in injury accident | 10/14/2010 |
| Q: My wife was involved in an accident. Our car was one of two cars which were making a left hand ... A: Liability can only be determined with the full details of all of the facts of the situation. There ... | |
| Claim re: Hail damage..Progressive Ins. Co> | 10/14/2010 |
| Q: I reside in Phoenix AZ. We had a major storm on 10-05-2010. Golf and tennis ball sizd hail with 60 ... A: You are right to be concerned. Very often insurance comapnies will try to low ball the claim just to ... | |
| Auto Accident- Settlement Negotiations | 10/13/2010 |
| Q: Richard. A couple questions before proceeding with 2 aspects of our accident claim. I was in an ... A: I'm sorry you were involved in this situation. I will try to answer your questions in their order: ... | |
| Drunk driver/Insurance will not pay commeasurate with replacement | 10/13/2010 |
| Q: My son was hit by a drunk driver three weeks ago. The driver of the 2009 Jaguar made was cited for ... A: Attorneies generally do not get involved in property damage issues because there is not enough money ... | |
| Auto medical claim | 10/12/2010 |
| Q: There were 4 people injured not counting the at fault person. I have not retained a lawyer but the ... A: The only problem in waiting is that the lawyers for the other injuried will ve trying to take a ... | |
| multiple policies | 10/12/2010 |
| Q: Im moving out of state in 2 months and my current insurer does not cover that state. I would like ... A: There are no laws against it, however, if there were an accident you could not collect your full ... | |
| Bodily injury claim against AAA | 10/10/2010 |
| Q: I was in a car accident in May of 2009 with a good friend of mine. I was driving my car with him as ... A: I will try to explain how this all works. All claims regarding the injuries incurred by your ... | |
| pedestrian accident | 10/9/2010 |
| Q: I was driving in a parking lot outside a grocery store and may have hit a pedestrian. When I saw ... A: It is very unlikely that anything will come of this and you should not lose sleep over it. Since no ... | |
| settlement check | 10/8/2010 |
| Q: Car got hail damage and i have american family insurance. my agent said that the check will be made ... A: Your insurance agent is wrong. If the check ws made out only to you and you had no loan on the ... | |
| Auto Insurance, NY No Fault | 10/7/2010 |
| Q: My husband was a pedestrian, crossing a main street, traffic was clear for him to cross. He was in ... A: You should really be speaking with an attorney but I will try to provide some information. You can ... | |
| Diminished value | 10/7/2010 |
| Q: I have a new 2010 Ford Edge.I got it in March. I was rear-ended recently. The other driver was ... A: The amount of diminished value a vehicle suffers is dependent on the age of the vehicle, the type of ... | |
| Stripped Insurance?? | 10/6/2010 |
| Q: I had a major accident Tuesday morning. I called my insurance company to file a claim and they told ... A: Each insurance company is free to set its own requirements for eligability for their programs. You ... | |
| Car accident/other party - no insurance/passenger medical claim | 10/5/2010 |
| Q: In February, I was in an auto accident. The other driver failed to yield and pulled out blind and I ... A: I know it is frustrating, but you have nothing to fear. If you receive any calls, letters or any ... | |
| Backed into an illegal parker | 10/5/2010 |
| Q: I backed into a truck that was parked perpendicular to the parking lines. I'm a tenant at some ... A: Unfortunately, anytime you hit a stationary object you are 100% at fault, even if the object you hit ... | |
| rear-ended other driver 100% at fault | 10/3/2010 |
| Q: I was stopped for a school bus and I was rear ended. The other driver has state farm and they ... A: How the check is made out will depend on your state laws. I know that in Texas they are required to ... | |
| Parked Car Hit without insurance | 10/2/2010 |
| Q: My car was hit in the parking lot a week after insurance expired. However, my insurance had expired ... A: I did not realize you were in Michigan. You are correct, Michigan is a no-fault state which means ... | |
| Pedestrian Accident | 9/30/2010 |
| Q: I was walking across a 4 lane road early one night and was struck by a mini van after reaching the ... A: This is basically a he said / she said situation. You will need to find witnessess who's story will ... | |
| rear end collision | 9/30/2010 |
| Q: I was stopped with my foot on the brake waiting to turn (turn signal on) when I was rear ended by ... A: In this situation you should absolutely hire an attorney. The insurance company will act very ... | |
| Parked Car Hit without insurance | 9/30/2010 |
| Q: My car was hit in the parking lot a week after insurance expired. However, my insurance had expired ... A: Absolutely you can sue him. You need to take pictures of your damaged car. You need to get an ... | |
| car accident/seat belt | 9/29/2010 |
| Q: My friend and her boyfriend were involved in an accident. She was the passenger and was injured but ... A: I'm afraid you are asking too many unrelated questions. I am willing to help but I can not answer ... | |
| Car accident with soft tissue injury/pain & suffering | 9/29/2010 |
| Q: I have read numerous threads on pain and suffering calculations and am still somewhat unclear on ... A: Although, in general, the info you found of 1.5 to 3 times the medical bills is correct, that is ... | |
| What are my rights | 9/28/2010 |
| Q: my question is I got rear ended by a vehicle a month ago. We both have the same insurance company, ... A: The same insurance company does not matter. If you feel you are not being treated fairly, speak to ... | |
| REAR END COLLISION | 9/28/2010 |
| Q: I was stopped at a light and was hit by a electrical company van. We both pulled over to exchange ... A: Yes. They are denying liability due to the phantom vehicle. You should report this to your insurance ... | |
| car accident/seat belt | 9/28/2010 |
| Q: My friend and her boyfriend were involved in an accident. She was the passenger and was injured but ... A: In some cases you are correct. However it depends on your specific state laws and the wording of his ... | |
| car accident/seat belt | 9/27/2010 |
| Q: My friend and her boyfriend were involved in an accident. She was the passenger and was injured but ... A: Unfortunately, you are asking several question that I would have no way of knowing. The decision to ... | |
| retoactive force placed auto insurance | 9/27/2010 |
| Q: Upon acquiring an auto loan in late '08 for a period of 24 months I was led to believe by the bank ... A: The only way to get it reversed it for you to provide them with proof that you had full coverage ... | |
| Tire replacement | 9/24/2010 |
| Q: My wife was recently t-boned by a driver who ran a red light. Her car had heavy damage on the front ... A: Unfortunately, this is a legitimate charge. When an insurance company replaces a part that would ... | |
| Progressive proposed payout on auto accident | 9/24/2010 |
| Q: I have had full coverage with Progressive on a 1996 Isuzu Hombre for 3 years. No prior accidents or ... A: This is a common problem. The insurance company should not deduct any more than 40% because of the ... | |
| Got hit by a left turning car. Insurance agency says I drove through a red light.. | 9/23/2010 |
| Q: Is there anything else I can do to fight a claim where I was hit at an intersection from a driver ... A: Unfortunately there is not much you can do when it is a he said, she said. The only thing I can ... | |
| premiums | 9/23/2010 |
| Q: I have a car financed and registered in my name. My credit is poor. Is there a legal way to insure ... A: You can have your wife apply for the policy, but she will still have tyo give your information to be ... | |
| Please Help, car accident | 9/23/2010 |
| Q: I hope that you could help me to answer my question. My stories is I have been in an hit and run ... A: This happens all the time. You just need to select the body shop that you want to do the repairs. ... | |
| Coverage family member exclusion transfer to new car? | 9/21/2010 |
| Q: My mother had bought a new car. The old car insurance policy excluded my sister. When she ... A: When a driver is excluded, they are excluded from the policy no just a specific car. So regardless ... | |
| Car Accident | 9/21/2010 |
| Q: I was involved in a car accident where the car hit mine which hit me while i was checking the ... A: I'm very sorry you are going through this. I hope all will be ok. Considering the extent of your ... | |
| insurance refusal due statute of limitation | 9/18/2010 |
| Q: I was in a a car accident with someone else documented blatant recklessness. I submitted my claim in ... A: What you are referring to is called the "Statute of Limitations". This is a state law in every state ... | |
| home or auto insurance | 9/17/2010 |
| Q: My wife just backed our car into my son's car. My car had no damage. Is it home owners insurance or ... A: Your home insurance has nothing to do with this situation at all. If you and your son are insured ... | |
| Drove car through high water | 9/17/2010 |
| Q: I drove my 2009 Nissan Sentra through a deep puddle and the engine and electricity failed in my car. ... A: The car will only be totaled if the cost of repairs exceeds 70% of the value of the car. Even that ... | |
| Engine Damage | 9/17/2010 |
| Q: I was in a fender bender recently. There was very minimal body damage just a couple of scratches on ... A: It is the job of the insurance adjuster to find reasons to not pay claims. That is how insurance ... | |
| Auto Claim | 9/16/2010 |
| Q: I was involved in a car accident earlier this month where I was rear ended. Since I have collision ... A: Yes you can make a claim for diminished value in California. In fact is a person is not at fault in ... | |
| property damage/car accident | 9/14/2010 |
| Q: My girlfriend was sitting in a park car when suddenly,a lady drving a lexus truck back into ... A: Yes you have a case as long as you do not cash the check. You need to write VOID across the check ... | |
| liability | 9/14/2010 |
| Q: My daughter was in a car rollover & the driver was at fault. She had ask the driver repeatedly to ... A: When broken bones are involved it is more difficult to determine. You should visit ... | |
| Auto Accident | 9/14/2010 |
| Q: In Maryland, my "shade tree" mechanic finished fixing my car and took it for a test drive. While ... A: No. Your are not liable for his medical bills. The wreckless driver is the one liable for the ... | |
| medical claim for at fault -referral to underwriter | 9/11/2010 |
| Q: Recently, I received a letter from my ins co that they were referring me to the underwriter because ... A: If you rear ended the other car then you are at fault. Your insurance company has the sole ... | |
| Arguing loss of use, adjuster not willing to pay tax on rental vehicle rate | 9/10/2010 |
| Q: I was recently involved in an accident where I was sideswiped into a median causing my car to flip ... A: Although you question and explanation were quite lengthy, I will try to be as brief as possible. ... | |
| Insurance Co unable to sette claim | 9/10/2010 |
| Q: The other driver sustained a permanent impairment of 8% of the whole person according to his doctor. ... A: If you are sued, your insurance comapny will provide you with a defense attorney. This case should ... | |
| "At fault" classification in single car incident | 9/7/2010 |
| Q: My son was involved in a single car incident which resulted in Geico totaling the vehicle. While ... A: Unfortunately, you are not going to like the answer. There is likely nothing your son can do about ... | |
| 2 stolen cars | 9/3/2010 |
| Q: Please help: I unfortunately just had two cars stolen from. One has been recovered and I had my ... A: The Total Loss Claim Process Step 1: Determining the vehicle to be a Total Loss When you are ... | |
| car accident | 9/2/2010 |
| Q: The man that lives next door hit my parked car a couple months ago. I've had deaths in the family so ... A: The statute of limitations in Maryland is 3 years. You should tell your neighbor this and tell him ... | |
| How do I go about filing a claim if I originally thought I didn't need to? | 9/1/2010 |
| Q: As my best friend was backing out of her driveway, she did not see me and the back of her car hit ... A: You should just call her insurance comapny to report the claim. They will try to give you a hard ... | |
| stolen car | 9/1/2010 |
| Q: If my car was stolen from my address, and can not be found, would I be able to be reinbursed for the ... A: First you would need to report the theft to the police. Then you would report it to your insurance ... | |
| leinholder coverage | 8/31/2010 |
| Q: My company is the lienholder on a vehicle that recently caught fire. The insurance company says ... A: Unfortunately, I can not look up state statutes. I do know from experience that a lienholder must ... | |
| Are we liable for this accident? | 8/31/2010 |
| Q: My house incurred hail damage from a storm. The insurance adjuster came over to my house to inspect ... A: Although their is some liability on the adjuster for placing the ladder where he did, the majority ... | |
| auto liability - negligent entrustment | 8/30/2010 |
| Q: If I get hit by a car, driven by a person who is driving their personal vehicle for work for a ... A: This is actually a legal question not an auto insurance question, but I will do my best to provide a ... | |
| My fault | 8/28/2010 |
| Q: After driving for nearly 30 years without incident, I recently had two accidents where my cars were ... A: The best weapon in this situation is knowledge. You should go to www.autotrader.com where you can do ... | |
| Hit by truck on Bicycle | 8/27/2010 |
| Q: Short version of my story: Pickup truck pulling trailer was driving aggressively, tries to pass me ... A: You should demand 3 times the total of your medical bills plus your lost wages or time, then be ... | |
| A nightmare that needs to end. | 8/26/2010 |
| Q: I have a slight legal concern that I need clarification on. About 6 weeks ago, a shopping cart that ... A: Your auto insurance will not pay for this situation because you did not cause the damage with your ... | |
| DIMINISHED VALUE IN ATLANTA | 8/26/2010 |
| Q: Can you please advise what "formula" is used by car insurers in Georgia to calculate diminished ... A: Sorry for the slow response. I tried to reply to you several times but the ALLExperts website would ... | |
| Inconvenience Compensation post arbitration | 8/26/2010 |
| Q: 7 months ago I was T-boned by a driver at an intersection causing total losses to both vehicles. ... A: There is no entitlement for compensation for inconvenience. There needs to be a provable monetary ... | |
| Does insurance companies report accidents to DMV? | 8/25/2010 |
| Q: i need to renew my driver license, but I had an accident in the timeframe when it was expired. My ... A: Insurance companies do not report accidents to the DMV. However if their wqas a police report, the ... | |
| Insurance claim question | 8/24/2010 |
| Q: My truck was recently hit by a driver while i was not in it.I am currently dealing with their ... A: As a 3rd party claimant, you can the check made out to you only. In some states, if there is a ... | |
| Auto Accident: No Insurance | 8/23/2010 |
| Q: I was in an auto accident where fault has not been decided yet. I believe it really was my fault, I ... A: Yes they can sue you even if they don't have insurance. Yes you should try to show that they also ... | |
| Multi-state Issues | 8/22/2010 |
| Q: My wife and I both own cars titled and registered in Ohio, but we live in Alabama while she is in ... A: Each insurance company is free to set it's own rules and regulation on having insurance with them. ... | |
| Claim Settlement Dispute | 8/21/2010 |
| Q: My son was involved in a rear-end collision. Our car is an '05 Nissan Altima and the other car is ... A: You can let your company claims adjuster know how you feel, however, once you filed the claim with ... | |
| HAIL DAMAGE | 8/21/2010 |
| Q: ABOUT 25 DENTS. I OWN MY CAR AND I LIVE IN PA. I HAVE ALLSTATE AND HAVE FULL COVERAGE MY ... A: Yes you can still report this. If you don;t know when it happened, just tell them that. Most likely ... | |
| third party insurance | 8/20/2010 |
| Q: My car was hit by a guy who is fully responsible based on police report. My car is inoperable and ... A: You need to get tough with this insurance company. You need to select a body shop you want to do the ... | |
| Conflicting Adjusters for Same Policy | 8/19/2010 |
| Q: Involved in an auto accident. It was the other guy's fault. His insurance adjuster took my ... A: Unfortunately, unless you got it in wrioting that they were accepting liability, they can do just ... | |
| Third Party Claim Problem | 8/19/2010 |
| Q: I was in an accident that involved 5 cars. The fifth car hit a mercedes behind me. The mercedes ... A: In this case the insurance company is doing the correct thing by advising you to go through your own ... | |
| Insurance Claims | 8/19/2010 |
| Q: I have a 2003 Lincoln LS that has low mileage (55k) and was pampered by me since I bought it and is ... A: You must understand that your insurance company does not care about you, only the money that you pay ... | |
| Gap insurance | 8/18/2010 |
| Q: we purchased gap insurance from the car dealer when we bought our car, the was recently totaled and ... A: To the best of my knowledge, GAP insurance does not pay for any negative equity rolled into a new ... | |
| Loss of use | 8/18/2010 |
| Q: I rented a car from Thrifty in New York City, I do not have auto insurance but paid with American ... A: Rental car companies are notorious for trying to charge all kinds of fees when one of their cars is ... | |
| Permanent loss of mobility. | 8/17/2010 |
| Q: I am a 59.5 year old airline pilot, live in San Diego Ca and was rear ended on 7 Jan 2010. I've got ... A: It is certainley legal for you to ask for compensation of any and all costs and expenses resulting ... | |
| can car be examined for malfunction | 8/13/2010 |
| Q: i do not have collision. my car went out of control. i asked mechanic if it could be checked for ... A: Even if it could be done, it would not mater. The car is too old to relate back to the manufacturer. ... | |
| Settlement Agreement | 8/12/2010 |
| Q: I jumped the gun and verbally agreed to a settlement with the adjuster. I have yet to sign the ... A: Ethically, you should stay with what you agreed to. However, if what you agreed to was based on a ... | |
| Rejection of vehicle insurance claim | 8/12/2010 |
| Q: I submitted a claim to an insurance company and during their validation I was informed that I have ... A: Unfortunately, I have no idea what you are talking about. There are many questions that come to ... | |
| OVER REVED ENGINE DUE TO ACCIDENT | 8/11/2010 |
| Q: RICHARD I AM LOOKING FOR INFORMATION ABOUT OVER REVVING MOTORS WITH THROWN RODS. MY F350 LEFT THE ... A: This is a tough situation. Depending on the age and mileage on your truck, even if you can get them ... | |
| Dent in Door | 8/11/2010 |
| Q: We rent in a condo building, and our parking spot is situated between a wall an another car. The ... A: If you do not feel that you did the damage and they do not have a witness that will say that they ... | |
| auto/animal collision | 8/4/2010 |
| Q: I hit a large racoon, immediatley turned for home, watching the idiot light (did not come on)and ... A: Just tell the truth. You had no reason to suspect that there was anything seriously wrong. Temp ... | |
| Salvage title | 8/4/2010 |
| Q: My son's car was involved in an accident that possibly resulted in it being a total loss. The ... A: A vehicle with a salvage title is generally worth about 40% to 50% less than a vehicle with no ... | |
| Auto accident | 8/3/2010 |
| Q: We were involved in an auto accident where the driver of the other car came across 2 lanes of ... A: The other drivers liability coverage will pay for all expenses that the driver is legally ... | |
| Is it worth appealing a surcharge | 8/3/2010 |
| Q: I backed out of my garage and didn't realize a car was parked in my driveway. I had no damage to my ... A: In this case it would not help you. Based on your description of what happened, there is no question ... | |
| auto accident | 8/2/2010 |
| Q: I live in CA. My daughter's 1998 Civic was rear-ended. The adjuster for the insurance co. (Unigard) ... A: You should put your vehicle in the body shop for the repairs. Once there, the body shop should write ... | |
| Is the Toyota dealer partly responsible for damages to my parked car? | 8/1/2010 |
| Q: I brought my 2005 Corolla in to have two fuses replaced. I dropped it off at the dealership that ... A: No. The dealer is not responsible. Since the damage was caused directly by the negligence of the ... | |
| minor damage/matching paint | 7/31/2010 |
| Q: I have an older Volkswagon that we use as a second vehicle. I was hit in the passenger side quarter ... A: The insurance company is only required to pay to paint the areas of the vehicle that were damaged ... | |
| Is this my fault? | 7/29/2010 |
| Q: I got into an accident about a week ago. I was making a left turn at a busy intersection which was ... A: No points will be added to your license unless you are issued a ticket. The insurance company will ... | |
| theft of motorcycle | 7/29/2010 |
| Q: our motorcycle was stolen, we made a claim with the insurance co. can we withdraw our claim? and ... A: If you withdraw your claim the insurance company will want to know why. It may cause them to ... | |
| Rear-ended, injured, diminshed value... | 7/28/2010 |
| Q: Have a few questions for you. Background - I live in Maryland and was in NY on vacation when ... A: For our injuries I would suggest a website called www.collisionwizard.com . It was created by the ... | |
| car wreck | 7/28/2010 |
| Q: I was in an at fault accident with full coverage insurance pulling my boat and trailer. I flipped my ... A: Unfortunately, your boat and trailer is not covered on your auto policy. You would need a seperate ... | |
| insurance claim | 7/27/2010 |
| Q: i was in a car accident about a year ago. my car was totaled and was accepted a reasonable offer for ... A: The claims adjuster does not care about you or your pain and suffering. There job is to get you to ... | |
| car accident with minium insurance | 7/27/2010 |
| Q: My lawyer sent a letter to me stating he 's resigning on my case 7 months after my car accident ... A: No you are not at fault. You just need to call a number of attornies. You will find one that will ... | |
| Freak accident | 7/27/2010 |
| Q: I was driving on the highway when all of a sudden I heard a very loud bang noise, I looked in front ... A: As the owner of a vehicle it is your responsibility to be sure that all items on your vehicle are in ... | |
| Auto vs. Bike | 7/26/2010 |
| Q: Essentially, I was hit by a vehicle taking a left turn at an intersection. It was an unprotected ... A: I can not state the value of your claim without knowing all of the details as well as the total cost ... | |
| i didn't know i was uninsured and i caused an accident. | 7/26/2010 |
| Q: i was at a light and reached down to get something off the floor of my car. i saw the car next to ... A: If the dirver was not wearing a seatbelt, then yes that is her negligence. A substantial portion of ... | |
| Lent truck to friend and it was totaled in a bad accident | 7/26/2010 |
| Q: I lent my vehicle to a close friend, and it was totaled in a bad accident. He was hauling 4 horses ... A: You and your friend need to fight this agressively. Based on the description you provided it sounds ... | |
| Who can settle claim with an adjuster? | 7/24/2010 |
| Q: My daughter was injured in a car accident in Florida when she was a minor (17). She is now an adult ... A: As far as I know you can not settle this claim. Now that she is 18, she is the only one that can ... | |
| gap vs replacement insurance | 7/24/2010 |
| Q: I hope you can tell me how an insurance company can sell gap insurance to me when the car was paid ... A: I can not answer how they can sell a product you can not use. You should call the company and ... | |
| salvage title | 7/24/2010 |
| Q: I`m from massachusetts.I bought a car that had a salvage title and was state inspected a passed to ... A: The insurance company owes you for the value of your car not what it costs to replcae it. A vehicle ... | |
| How I should proceed to get a Letter of Evaluation (L.O.E.) from my Insurance Company to clear my driving record to be treated at NO fault? | 7/23/2010 |
| Q: On December 2007, my Honda Civic was struck by a Pontiac Grand Prix, in a quite busy intersection (2 ... A: Unfortunately, I am located in the US and am not familiar with the way things work in Canada. I have ... | |
| Stolen Vespa | 7/23/2010 |
| Q: This morning I woke to find that that my Vespa had been stolen. It had been parked for several ... A: There is not much you can do. You are still obligated to pay for the Vespa. Hopefully you have ... | |
| 25% Liability is mine, how so? | 7/23/2010 |
| Q: A few months ago, a vehicle turned left in front of me as I was exiting an intersection. The other ... A: This is a tactic used by many insurance companies simply as a way to save money. If your damage is ... | |
| can at fault driver be forced to repair a "total loss" vehicle | 7/22/2010 |
| Q: I have a 95 Grand Cherokee Limited. As I expected it was declared a total after a driver ran a red ... A: Whether you are dealing with your own insurance if you have collision coverage, or the at fault ... | |
| Rear end collision liability | 7/21/2010 |
| Q: I was involved in a rear end collision. A woman cut into my lane (her right side) trying to not ... A: Unfortunately, it is not always easy to tell these things. Tey may try toclaim that the reason the ... | |
| stolen veh claim | 7/20/2010 |
| Q: a vehicle ran a stop sign and hit my veh while towing my boat,the driver said he was driving the car ... A: If the vehicle was stolen then the car owners insurance will not pay. The insurance company will ... | |
| i didn't know i was uninsured and i caused an accident. | 7/20/2010 |
| Q: i was at a light and reached down to get something off the floor of my car. i saw the car next to ... A: If you get another phone call do not have any conversation until you write down the name of the ... | |
| total loss | 7/19/2010 |
| Q: I have a 1999 buick park avenue. my car was hit on the left front damaging the bumper, headlight, a ... A: Unfortunately, there is not much you can do. The decision to repair or total a car is completely up ... | |
| Stolen Vehicle / Who is responsible for Accident? | 7/19/2010 |
| Q: My brother was in a car accident yesterday where a 14 year old boy was driving a stolen Cadillac ... A: Since the vehicle was stolen, the owner of the vehicle is not responsible for your damage so his ... | |
| Accident - car vs. bicycle | 7/18/2010 |
| Q: One year ago, I was riding my bicycle on a street (in TX) when a car turned right onto the street ... A: Unfortunately, ignoring a problem does not make it go away. You should have started to fight this ... | |
| liability claim | 7/16/2010 |
| Q: I hit a car in a parking lot (last week). The owner has since noticed her fender is partially ... A: You should report the incident as soon as possible but there is no specific deadline. There is no ... | |
| diminished value check | 7/15/2010 |
| Q: I am in Texas, ford is the lein holder. My insurance company told me to send ford a copy of the ... A: Texas law requires that an insurance comapny list the lienholder on any check when a lienholder ... | |
| Future damage to an already damaged area of a vehicle | 7/14/2010 |
| Q: My van was in an accident where the other party was at fault. I was paid by other party insurance ... A: I will answer your Q's in the order you asked them: 1) You are not obligated top tell your ... | |
| How to claim aftermarket parts? | 7/14/2010 |
| Q: My vehicle was totaled by another party, is their insurance company required to pay me for the the ... A: Yes. The other company is responsible for paying for the aftermarket parts to the extent that they ... | |
| pre-loss/deminished value | 7/12/2010 |
| Q: Ten days after I bought my car I had an accident. I was not at fault and state farm has accepted ... A: The insurance company will not make you any offers until you indicate to them that all of your ... | |
| pre-loss/deminished value | 7/12/2010 |
| Q: Ten days after I bought my car I had an accident. I was not at fault and state farm has accepted ... A: At this point you do not need to seek legal advice unless you were injured in the accident. Most ... | |
| pain & suffering for retired person | 7/9/2010 |
| Q: I am retired but suffered a constant eye-twitch for nearly 2 ½ years. How much should my demand be? A: Generally, pain & suffering settlement are based on the cost of medical treatment that was incurred. ... | |
| car winshield adjustment | 7/9/2010 |
| Q: I do surveys for home occupancy and have been handed cases for autos- my instructions say " have the ... A: Not to sound flippant, but I think "bug" means insect. I do not know why they want to photograph ... | |
| minor bump | 7/9/2010 |
| Q: i had what i thought was a minor bump into the rear end of a mini,witch mad a tiny dent in the ... A: You should contact the other person and tell him that you contacted the shop and learned that it ... | |
| Damage to car while at Dealer | 7/8/2010 |
| Q: The Jaguar dealer cycled the convertible top after installing a new CD player in the trunk of my ... A: Unfortunately, there is no way for me to know if the dealer is liable or if you have bad luck. You ... | |
| Hail damage | 7/8/2010 |
| Q: While driving in another state my car was in a hail storm. It couldn't be driven back 1000 miles to ... A: I'm sorry this happened to you. Unfortunately there is not much you can do. What you are entitled ... | |
| Rear End Accident | 7/8/2010 |
| Q: I was rear ended in December 2009 in Missouri City, TX. My damage was about 400.00. When I was hit ... A: What State Farm is saying is that the damage to your car was so minimal that the impact could not ... | |
| Uninsured car in accident | 7/7/2010 |
| Q: My husband financed a car in his name for his brother. His brother was recently involved in an ... A: It was your brother-in-law's negligence that caused the accident so only he is responsible for to ... | |
| To claim, or not to claim... | 7/7/2010 |
| Q: I had my first motorcycle accident last week. I was the only vehicle involved, there was no damage ... A: Since the insurance would only pay about $600.00, I would say you would be better off to pay it your ... | |
| Warranty after repair through insurance claim | 7/6/2010 |
| Q: I'm currently facing the following problem. Last summer, someone ran into my car while traveling on ... A: You should first get your statement from an independent body shop and submit it to the insurance ... | |
| Warranty after repair through insurance claim | 7/6/2010 |
| Q: I'm currently facing the following problem. Last summer, someone ran into my car while traveling on ... A: You must understand that you are dealing with idiots that will do or say anything to not give up a ... | |
| loss of use in texas | 7/6/2010 |
| Q: is a claimant owed loss of use in texas? if so, what is the amount A: Yes. In Texas a claimant is entitled to "reasonable" loss of use. There is no fixed amount so it is ... | |
| Loss of use | 7/3/2010 |
| Q: "My semi-truck was in a accident this morning other driver totally at fault. A claim has been filed ... A: Absolutely. However you will have to prove your lossess. Start putting together any information you ... | |
| Thank you. Knowledge is Power | 7/3/2010 |
| Q: Can I get another attorney to review my case before I agree to settle? Will this cost an arm and a ... A: I'm not sure how a legal second opinion would work. You are under contract with your attorney who ... | |
| Serving and Insurance Dismissing Case? | 7/1/2010 |
| Q: Hixenbaugh, I have a claim in Los Angeles with a subdivision of Setry Insurance. They already paid ... A: Since the responsible party has moved to South America, it is my understanding that your law suit ... | |
| Right of Recourse... How to give "Notice cannot find comperable vehicle for gross settlement amount" example letter or demand | 7/1/2010 |
| Q: Mr. Hixenbaugh: My vehicle was deemed a total loss by Insurer and I cannot purchase a comparable ... A: How you proceed depends on if you are dealing with your own insurance company or another at-fault ... | |
| Hit & Run | 6/30/2010 |
| Q: Friday, I had a car pulling a empty boat trailer pull out in front of me (from the right) with only ... A: In a total loss claim, your insurance company owes you for the value of your car as it was just ... | |
| Serving and Insurance Dismissing Case? | 6/30/2010 |
| Q: Hixenbaugh, I have a claim in Los Angeles with a subdivision of Setry Insurance. They already paid ... A: Let me first state that I am not an attorney and what you are asking is a legal question. I will ... | |
| rental insurance | 6/30/2010 |
| Q: My husband was in an accident on June 10 and the other driver was found at fault. I turned down an ... A: It is correct that you do not have to get multiple estimates. You do need to select the body shop ... | |
| Choosing the garage rights | 6/29/2010 |
| Q: I had my rear bumper smashed by another car (liability accepted by third party). The insurance ... A: I am based in the US and am not specifically familiar with UK laws or policy. However, I would say ... | |
| Ford powertrain warranty voided by recycled engine | 6/28/2010 |
| Q: Last year, we bought a used, Ford-certified Ford Focus SES(2008), which was involved in a collision. ... A: There are a few issues you need to be aware of. First, you should never go to a body shop that is ... | |
| Would my Auto insurance cover damage done by a restoration Company ? | 6/27/2010 |
| Q: Richard, I recently pulled my vehicle from a restoration Company due to them missing 3 ... A: This is a very unfortunate situation. Collector car insurance is a bit different than standard auto ... | |
| auto insurance company sueing daughter | 6/27/2010 |
| Q: My 22 year old daughter wrecked her college roommates car. The accident was her fault. I filed a ... A: This is one of those situations where her insurance will be useless. Since she was not driving her ... | |
| Personal Liability Claim | 6/25/2010 |
| Q: I was in an auto accident in February 2010. It happened on an expressway where there were 4 lines ... A: Since yopu have PIP coverage, you would likely then only be looking at the little extra. In some ... | |
| Personal Liability Claim | 6/25/2010 |
| Q: I was in an auto accident in February 2010. It happened on an expressway where there were 4 lines ... A: I'm sorry you're going through this. You should expect a substantial fight from the insurance ... | |
| collision damage claim | 6/24/2010 |
| Q: I was in a auto accident where the other driver was declared at fault. The adjuster came to look at ... A: Unfortunately, insurance comapnies can do almost anything they want. They will usually not consider ... | |
| 3 party accident | 6/24/2010 |
| Q: Hixenbaugh, Hope this message finds you well. I have a question regarding the accident I was ... A: The only one here telling the truth for sure is you. There is no way to know how long this process ... | |
| Reject Claim Offer | 6/24/2010 |
| Q: My car was rear ended when waiting for traffic. So the other driver is at fault. I filed claim to ... A: You should not accept an "offer" from either. The at-fault persons insurance company owes you for ... | |
| unitrin insurance/ laws on comparable vehicals | 6/23/2010 |
| Q: The outside source has found two vehicals both by private sellers in newspapers one being over 100 ... A: Almost by definition, an insurance company's job is to cheat people out of as much money as they ... | |
| allstate | 6/22/2010 |
| Q: i currently have allstate for my auto insurance. i have full coverage on my car. i recently hit a ... A: Unfortunately, you have just learned an important lesson. You should never ever take your vehicle to ... | |
| Auto Insurance Deductible | 6/22/2010 |
| Q: Richard Hixenbaugh: Re: Auto Insurance Deductible My car was hit bay another car when I was ... A: There is no time limit for your insurance company to make contact with the other insurance company. ... | |
| brake failure due to faulty service | 6/21/2010 |
| Q: I had the front brake pads replaced in preparation for the drive to a new home in another state. ... A: The brake company should pay to properly repair the brakes, all of the costs associated with the ... | |
| open door crash | 6/20/2010 |
| Q: have a question regarding ‘open-door hit’ I was parked on roadside, door was open, 90-year old ... A: In most cases this type of accident would be considered to be your fault. The cars on the roadway ... | |
| Passenger Rights | 6/18/2010 |
| Q: What are my rights to compensation from the policy holder of the commercial vehicle I was riding in ... A: The Taxi insurance would only come in to play if the taxi driver was also negligent in the accident. ... | |
| attorney fees and missled | 6/15/2010 |
| Q: i was involved in a car accident a driver hit me head on i had my grandbaby in the car also was ... A: This does happen a lot. You can ask the attorney to negotiate his fee. If he takes less then you get ... | |
| auto insurance claims paid our deductible | 6/14/2010 |
| Q: A drunk driver hit my husband in our truck months ago. He totaled our vehicle. He was uninsured and ... A: You should absolutely ask them to prove it in writing. They should provide you with a detailed ... | |
| accident in Oregon | 6/14/2010 |
| Q: I was rear-ended in my personal work van and the van has been totaled. I've been working on getting ... A: You are able to claim all of those things, however you must be able to prove the time as well as any ... | |
| Driveway Incedent with 2005 Subaru WRX STi | 6/13/2010 |
| Q: I just had a "incident" involving my Subaru and and a family members 1985 Toyota that was jacked up ... A: There should be no problem with coverage at all. You were driving your insured vehicle and a ... | |
| Disclosure of At Fault Accident of Daughter | 6/12/2010 |
| Q: State of California My step-daughter was driving her father's car and had an at fault accident with ... A: You should relax... You are not required to disclose. It is up to the insurance company to run a ... | |
| auto accident | 6/9/2010 |
| Q: A friend of mine was in a accident that wasn't his fault.here the question.the owner of the other ... A: This may depend on the state that you're in but to the best of my understanding, in order to claim ... | |
| Damage discovered after claims paid | 6/8/2010 |
| Q: I was in an accident in November 2008. I was not at fault and the insurance carrier for the other ... A: This is not another claim. This is a continuation of the same claim. You should call the other ... | |
| PIP question (I live in WA state) | 6/8/2010 |
| Q: Ok, my Mom and I had borrowed each others cars one weekend. Mine is actually a SUV that she needed ... A: First, the other drivers insurance will not pay anything. You rear ended the bus so you are ... | |
| what to do about agent | 6/6/2010 |
| Q: .need to ask what to do here. my shelter insurance agent is very very hard to get in touch with. ... A: Yes. You should find another agent. You should also call the insurance company directly and complain ... | |
| stolen but key left inside | 6/6/2010 |
| Q: i lent a friend my son's vehicle and the next day the friend reported the vehicle stolen from ... A: Insurance should cover this situation. But you should tell your friend that if the insurance denies ... | |
| Phantom Driver | 6/4/2010 |
| Q: I was involved in an auto accident where my car was totaled and I received injuries, I have Grange ... A: As long as the witness will provide a statement that they actually saw the other vehicle cut you off ... | |
| Loss of use allowance | 6/3/2010 |
| Q: I was in an a 3 vehicle accident about 100 days ago. I was stopped on a road, and a vehicle rear ... A: This is a tough situation. In most cases, an insurance company does not owe additional loss of use ... | |
| Sideswiped, the other party's insurance won't pay | 6/3/2010 |
| Q: Here's my situation. I was sitting at the passenger side in the front when my boyfriend was ... A: This is basically going to be your (and your boyfriend's) word against the other drivers word. Be ... | |
| Continuing Coverage | 6/3/2010 |
| Q: My son, age 20, who is away at college in California (we are California residents), got a series of ... A: Regardless if you take your son off or leave him on, your insurance rates are going to go sky high ... | |
| Claimant hassled by Ins. Co. | 6/2/2010 |
| Q: I was rear-ended at a red light on May 04, 2010. My car is a total loss. The other driver is ... A: First you must understand that the insuranc company does not care about you at all. They are in ... | |
| judgement | 5/31/2010 |
| Q: I was hit from behind and my car totaled.(April 2009) My lawyer has been to court twice and both ... A: This would depend on your state, but in most cases it should be paid within 30 days unless the ... | |
| What should the insurance company pay for? | 5/28/2010 |
| Q: My wife and I were in an automobile accident this past week on our vacation in Ohio. We reside in ... A: For lost wages or used personal time you will actually need to get a statement from your employer on ... | |
| theft | 5/27/2010 |
| Q: Three days after purchasing a new motorcycle at a dealer here in Los Angeles, it was stolen from my ... A: Unfortunately, in this format I am unable to review lenghthy documents. It is meant to provide a ... | |
| theft | 5/27/2010 |
| Q: Three days after purchasing a new motorcycle at a dealer here in Los Angeles, it was stolen from my ... A: It is never covered because it is always excluded. There are several sections to an auto policy and ... | |
| driveway incident | 5/26/2010 |
| Q: I backed into a car that was parked behind me at my parents farm driveway. I have a few questions ... A: First, the home insurance does not come into play here at all. You should call your insurance ... | |
| What contact with at-fault adjusters is necessary? | 5/26/2010 |
| Q: RH, I have learned a lot from browsing through your prior answers, but I did not see this one ... A: This is a good question. The insurance adjuster is likely trying to reach your wife under the ... | |
| theft | 5/26/2010 |
| Q: Three days after purchasing a new motorcycle at a dealer here in Los Angeles, it was stolen from my ... A: I'm sorry your bike was stolen. Unfortunately, there is never a situation when an auto insurance ... | |
| should i get a lawyer | 5/25/2010 |
| Q: over 90 days ago my truck caught on fire, i had mior burns to face and hands,my insurance company ... A: It does sound like the insurance company is dragging their feet. First you should file a complaint ... | |
| auto insurance claim | 5/24/2010 |
| Q: Got rear-ended in April, driver of other vehicle fled.I got License plates and my ins co pd the ... A: This is very confusing. If the car was declared a total loss, did your insurance company take the ... | |
| Car Arson | 5/24/2010 |
| Q: I had my brand new BMW 328i for about 2 weeks before someone burned the back of it along with the ... A: You need to call your insurance company as soon as possible to rerport the claim. Your insurance ... | |
| Who's the liable for damages? | 5/21/2010 |
| Q: I've a bit of an issue with my brother who isn't on my auto insurance policy. He used my truck and ... A: This can be a tricky situation. First of all, auto insurance follows the vehicle not the driver. ... | |
| Insurance Claim | 5/20/2010 |
| Q: I am claiming my vehicle for an accident. My truck is fully paid off and has no liens on it. If i ... A: If there is no loan of your vehicle then any claim check should be made out to you. Once you have ... | |
| Injury -Dropped off at a parking lot-indian reservation | 5/19/2010 |
| Q: Since they won't claim liability-Cherokee Nation-won't pay medical fees-can I seek reimbursement ... A: Unfortunately, I have no knowledge of dealing with an indian reservation. You can try contacting the ... | |
| Vehicle struck while waiting for Valet | 5/19/2010 |
| Q: I was in a rental car on vacation, when I entered an underground parking garage in Los Angeles, CA ... A: I'm not an attorney but I'll do my best. Since both of you live in states other than where the ... | |
| Who's Who? | 5/18/2010 |
| Q: I was performing a U turn and was struck from behind on a four lane rd. The accident from what I ... A: The insurance company cannot just charge you whatever for the repairs. Insurance company are ... | |
| Who's Who? | 5/18/2010 |
| Q: I was performing a U turn and was struck from behind on a four lane rd. The accident from what I ... A: Since you made a U turn and were rear ended, you violated the other vehicles right of way. This ... | |
| legal basis for "comparable" wrt car rental | 5/18/2010 |
| Q: With great interest, I reviewed your commentary dated 4/10/2009 including the word "comparable" with ... A: Each state would or may treat this topic differently. There have been many cases that have defined ... | |
| Car accident | 5/17/2010 |
| Q: I was recently in an auto accident. I live in Florida. The other driver was at fault and completely ... A: (you horrible terrible person)haha, If the other driver was at fault, they are responsible for your ... | |
| What should the insurance company pay for? | 5/17/2010 |
| Q: My wife and I were in an automobile accident this past week on our vacation in Ohio. We reside in ... A: You should give them a choice. First wright down all the cost you expect to be paid if you go get ... | |
| MVA - neck injury | 5/17/2010 |
| Q: In January 2010 while driving home from school while stopped at a red light I was stuck from behind. ... A: You can count on the fact that the insurance company will try to find a way to use this against you. ... | |
| Is it worth appealing my MA Insurance Surcharge? | 5/16/2010 |
| Q: Greetings, I was at an intersection of a small side street in MA, stopped at a stop sign. The ... A: Based on your explanation of events I would say that you would likely not win an appeal. Regardless ... | |
| post repair claims | 5/14/2010 |
| Q: My car was in a serious front end collision (my fault), here in california. the auto body shop (not ... A: If everyone agrees that the noises are related to the accident then you shoudl go back to the ... | |
| post repair claims | 5/14/2010 |
| Q: My car was in a serious front end collision (my fault), here in california. the auto body shop (not ... A: You can go to another shop to diagnose the issues. If the issues can be directly and absolutely ... | |
| IMA | 5/13/2010 |
| Q: I was in an auto accident where a guy rear ended me, but it's my insurance company that is causing ... A: You must always keep in mind that no insurance comapny is your friend, not even your own. They do ... | |
| Who is at fault ? | 5/13/2010 |
| Q: A road is wide enough for two cars though it has no separate lines. The vehicle A is on the left ... A: The final determination of fault will be based on many factors. The judge will onsider the testimony ... | |
| MA Insurance Surcharge | 5/13/2010 |
| Q: I was the third car in a line of traffic. The first car abruptly stopped, the car in front me ... A: You should not waste your time with an appeal because you will lose. The fact that the first car ... | |
| Innocent victim | 5/12/2010 |
| Q: My name is Alexi,hope you're having a good day so far. I was curious to find out if you could answer ... A: Don't bothe to contact your insurance company. Since you do not have collision coverage they will ... | |
| Who is at fault ? | 5/12/2010 |
| Q: A road is wide enough for two cars though it has no separate lines. The vehicle A is on the left ... A: Unfortunately, vehicle B would be considered at fault. nytime you hit someone from behind you are at ... | |
| car insurence cliaim on rental cars | 5/11/2010 |
| Q: MY SISTER CAME HOME FROM GERMANY AND UPON ARRIVAL A FRIEND OF HERS HAD A RENTAL READY FOR HER. UPON ... A: Your sister needs to get copies of any letters that were receved by her friend. Do not rely on the ... | |
| Lying about actual incident | 5/11/2010 |
| Q: I was parked waiting for my husband to grab a coffee from Dunkin Donuts. Legal spot, surrounded by ... A: Unfortunately, without any witnesses it is just your word against hers. You should explain ... | |
| auto accident insurance claim | 5/11/2010 |
| Q: I have a question about my boyfriend's recent auto accident and how he can defend himself against ... A: Parking lot accidents are some of the most difficult to determine liability. However, based on your ... | |
| Policy Limits/UIM What really goes on | 5/8/2010 |
| Q: Accident happens in Maryland. I am a passenger riding in a taxi that gets rear-ended at enormous ... A: This will be a very lenghth and difficult process. You will ed to notify in writing each insurance ... | |
| car accident/brake malfunction | 5/7/2010 |
| Q: I was car accident where my brakes failed to engage while I was in cruise control. My car was ... A: You can go either way. However do not give your car to toyota until that provide to you in writing ... | |
| Medical review or a | 5/6/2010 |
| Q: I am a chiropractor that recently had a patient come into our office about back and neck pain. In ... A: E, I'll answer backwards. The insuewas in force at the time of the accident which is all that ... | |
| Medical review or a "PRO" | 5/6/2010 |
| Q: I am a chiropractor that recently had a patient come into our office about back and neck pain. In ... A: E. Your fears, concerns and suspicions are well founded. The purpose of the review is to poke holes ... | |
| My car was stolen HELP! | 5/5/2010 |
| Q: Please I need help. I put about $2000.00 into my car, new paint, shocks ect ect. Then after making ... A: Any time you file a claim for a stolen vehicle, the insurance company always suspects the vehicle ... | |
| mva with unlicensed driver | 5/4/2010 |
| Q: I was involved in a mva...I was pulling out from a strip m all pkg. lot to turn left and was hit on ... A: Unfortunately, when you are pulling out of a parking lot onto a road and are hit by a vehicle that ... | |
| auto needs repair after a long time | 5/4/2010 |
| Q: About 3 and a half years ago, my van was significantly damaged by a flood. $10,000 worth of damage. ... A: You can certainly ask, however, you can pretty much count on the fact that the insurance company ... | |
| tortfeasers - Who pays first | 5/2/2010 |
| Q: I'm the injured passenger in a taxi. Taxi not at fault. Other driver 100% fault. Driver of at ... A: You are correct except you need to eliminate #2. Auto insurance follows the vehicle not the driver ... | |
| Response to Demand Letter | 5/2/2010 |
| Q: How long should it take before my lawyer gets a response to my Demand Letter. 6 figure settlement ... A: Generally, when an attorney sends a demand letter, they will usually include a time limit for the ... | |
| trade-in value damaged.. | 5/2/2010 |
| Q: Mr. Hixenbaugh, I recently reached a deal with a dealership to trade in my car on a new vehicle ... A: Most states allow an insurance company to specify after market or used parts in the repair of a ... | |
| Who do u think is at fault in the case below? | 4/30/2010 |
| Q: Who do you think is at fault? Veh. 1 was traveling north of Paw Ave. in the far right lane. Veh. 1 ... A: It is correct that you would be considered to be at fault. The reason is that you violated the ... | |
| False Claim Against Me | 4/29/2010 |
| Q: My car was hit while parked on the street near my house. I came out of my house in the morning and ... A: Unfortunately, with no independent witnessess, it is just your word against hers. The only thing you ... | |
| claim | 4/28/2010 |
| Q: My vehicle sustained water damage and cause electrical problems; my insurance said they would cover ... A: How you proceed from here depends on many things. If your insurance company in now denying your ... | |
| Insurance no pay | 4/26/2010 |
| Q: In 2003 My wife was in evolved in an accident where another motorist backed out of their driveway on ... A: You had many choices and recourses back at the time that all this happened. However, all that ... | |
| Landlord/Roomate Added to My Policy | 4/26/2010 |
| Q: Comp pulled up her name through dbase she has own ins dn drive my car but bec she wn provide her dr ... A: ALL insurance companies require that all licensed drivers in the household be listed on the policy. ... | |
| Who 's fault | 4/24/2010 |
| Q: I got into a car accident today. What happen is, I made a right turn into a plaza. At that moment a ... A: You should select a body shop that you want to do the work and have them write an accurate estimate ... | |
| Insurance claim regarding to a road hazard | 4/23/2010 |
| Q: I was involved in hitting a road hazard in september 08. i was driving a rental Nissan Versa, and ... A: I'm not sure what you mean when you say that you hit a road hazard. Generally, no matter what you ... | |
| Hit & Run Accident | 4/22/2010 |
| Q: I was rear ended by an SUV and my car subsequently hit another car as a result. The SUV fled the ... A: You can go ahead and settle with your insurance company on the value of your car. If you were ... | |
| Third Party Claim | 4/21/2010 |
| Q: Good Evening My car was hit in a parking lot while I was in a place of business, the cop actually ... A: If there was prior damage to the same area as the current damage and the prior damage was not ... | |
| total loss laws | 4/20/2010 |
| Q: My daughter was involved in an automobile accident approximately 1 month ago .The repair shop and ... A: This whole thing is wrong. There is no law that says they MUST total the car at 75% of value. If ... | |
| auto insurance | 4/20/2010 |
| Q: i just want to ask you a question about my insurance. im currently in ireland. well my car was set ... A: When an insurance company says there is a cloud above the claim, what they really mean is that they ... | |
| Time frame for approving a claim? | 4/20/2010 |
| Q: Forty-eight days ago, I was involved in an auto accident in which I was struck by a vehicle that ran ... A: It is typical that an insurance company would want to allow their insured an opportunity to tell ... | |
| Parking lot accident | 4/19/2010 |
| Q: I was backing out of a parking space in a shopping center. There were parking spaces positioned ... A: I understand why you would think that the other driver is at fault. I'm also sure that is a claim is ... | |
| Vehicle struck while waiting for Valet | 4/19/2010 |
| Q: I was in a rental car on vacation, when I entered an underground parking garage in Los Angeles, CA ... A: Unfortunately there is no way to force them to accept liability without going to court. Assuming ... | |
| loss of use | 4/19/2010 |
| Q: i was in a accident on 2-1-10 in Washington St. i was traveling down a one lane street that at the ... A: Hughes, You should be provided a rental car until anb agreement is reached. However they will claim ... | |
| Insurance claim overpayment | 4/17/2010 |
| Q: In 2006, I was involved in a car accident in the state of South Carolina. I was a passenger and a ... A: This is a very confising situation. If it is still within the statute of limitations in the state ... | |
| Removing at-fault | 4/16/2010 |
| Q: I was involved in an accident 7 months ago. To set-up the situation, there were three cars involved ... A: Paying th claim was also another error on their part. You will need to contact a claims manager and ... | |
| Substantial Damage to Auto - Diminished Value | 4/15/2010 |
| Q: Our 2006 Lexus GX470 was hit by a tree last week. The car was rarely driven and has only 39000 ... A: If the check is made out to you and the lienholder, you will only be able to sign the check and send ... | |
| Forced Insurance-Loan Company. | 4/15/2010 |
| Q: Mr. Hixenbaugh- I really hope you can help me out here. When I was 21, I purchased a car, too young ... A: I'm sorry you are going through this. In ALL auto finance contracts there is a clas that requires ... | |
| Substantial Damage to Auto - Diminished Value | 4/14/2010 |
| Q: Our 2006 Lexus GX470 was hit by a tree last week. The car was rarely driven and has only 39000 ... A: You can certainly ask the dealership if they will do this. However they will likely deduct much more ... | |
| Substantial Damage to Auto - Diminished Value | 4/14/2010 |
| Q: Our 2006 Lexus GX470 was hit by a tree last week. The car was rarely driven and has only 39000 ... A: The decision to repair or total a vehicle out is solely up to the insurance company. The vehicle ... | |
| Loss of Use of Vehicle as Tax Deduction | 4/13/2010 |
| Q: My son is doing his taxes himself this year (thanks to Turbo Tax). He has a 1999 Hummer H-1 he ... A: I am not a tax accountant so I can not give tax advice. However, I would say that your son can not ... | |
| Liability on construction site | 4/12/2010 |
| Q: I'm a security Guard for construction sites on and near our University campus. So there is lots of ... A: Each state law may be different. However it seems to me that if the university owns the property, ... | |
| insurer wants to total car but is not 75% of acv | 4/10/2010 |
| Q: can my insurer force me to total my 2001 nissan pathfinder if it can be repaired for less than 75% ... A: In most cases the decision to repair or total a vehicle is completelyup to the isurance company. The ... | |
| who is at fault | 4/9/2010 |
| Q: if a car was illegally parked in front of my drive way and i accidentally hit it as i pulled out am ... A: Actually, you are 100% at fault. Any time you hit a stationary object, even if it is a car that is ... | |
| Past 30 days & Ins. Co. says still can contact other driver. | 4/8/2010 |
| Q: Another driver backed into the middle of passenger side doors while I was STOPPED in a parking lot ... A: Unfortunately, not you are getting into a legal area that I can not answer. When you have to people ... | |
| Auto Insurance Lapse ans Statute of Limitations | 4/8/2010 |
| Q: I received a notice from the Maryland Department of Budget & Management indicating their 'Intent to ... A: This is a specific state law issue rather than a general insurance question. I am not specifically ... | |
| Claim on restricted license | 4/7/2010 |
| Q: I need some advice weather I can file a claim if driving outside the parameters of my restricted ... A: I do not believe they will report anything to the Secretary of State. You should answer any direct ... | |
| Claim on restricted license | 4/7/2010 |
| Q: I need some advice weather I can file a claim if driving outside the parameters of my restricted ... A: You should file the claim. Since you were not required to have the device installed on this vehicle, ... | |
| AUTO THEFT-INSURANCE OFFER INADEQUATE | 4/6/2010 |
| Q: Richard, I am e-mailing from UK. My insurance co have offered me very low value for my Van theft ... A: Unfortunately, as I stated before, I am not familiar with UK provisions or law. It seems to me that ... | |
| Towed vehicle | 4/6/2010 |
| Q: I was towing a small boat that broke its cables and fell onto a busy highway late at night. I ... A: This should be covered since you were pulling a trailer. Each state may have slightly different ... | |
| Would this be covered? | 4/5/2010 |
| Q: I was driving in a bad storm on a major interstate when tree branches began flying in to the roadway ... A: No. Regardless of the cause, you always have to pay your deductible. The insurance company will ... | |
| Would this be covered? | 4/5/2010 |
| Q: I was driving in a bad storm on a major interstate when tree branches began flying in to the roadway ... A: Yes you can make a claim. Your insurance should cover the claim with out any issues. They may try to ... | |
| Past 30 days & Ins. Co. says still can contact other driver. | 4/4/2010 |
| Q: Another driver backed into the middle of passenger side doors while I was STOPPED in a parking lot ... A: You should sent a letter to the at-fault driver by certified mail/ return receipt request as well as ... | |
| Insur. Proceeds | 4/3/2010 |
| Q: I was injured as a passenger in a car when a diesel hit us. I was compensated (so far) 468.00 for ... A: You should not have any taxes due for reimbursement of damaged personal property. In most cases ... | |
| AUTO THEFT-INSURANCE OFFER INADEQUATE | 4/3/2010 |
| Q: Richard, I am e-mailing from UK. My insurance co have offered me very low value for my Van theft ... A: I am not specifically familiar with procedures in the U.K.. However, if there is a clause in your ... | |
| Auto Claim | 4/2/2010 |
| Q: I need to know what an insurance Co obligation to me when there insurer rear ended me. There car ... A: You are entitled to have your medical bills paid as well as your lost wages. In addition, you may be ... | |
| not right | 3/31/2010 |
| Q: I was exiting a buss and trafic was heavy the light near me went red and traffic stopped i wanted to ... A: Based on your story, I would conclude that you are at fault. Any time you are crossing lanes of ... | |
| Hit and run - sort of | 3/29/2010 |
| Q: I was traveling on a road where two lanes merged into one. I looked in my rear view mirror to be ... A: Yes you can file a claim on your collision coverage. Before you file the claim you should go to a ... | |
| front passenger fender dent | 3/25/2010 |
| Q: Is the claim covered if you an animal that runs into your path? A: If you have Collision & Comprehensive coverage on your policy then yes it is covered. Your would ... | |
| GAP insurance | 3/24/2010 |
| Q: I recently had a wreck and the other person hit my car but since my mom was driving my car and I ... A: If the other driver was at fault for the collision, then their insurance company should pay for your ... | |
| Property damage | 3/23/2010 |
| Q: When there is no question about liability, is the defendant's insurance company responsible for ... A: When liability is clear and is accepted 100% by the responsible persons insurance company, they are ... | |
| door scratched at car park | 3/23/2010 |
| Q: This is what happened in full... I parked my car overnight at the secure underground carpark in my ... A: You should take a digital camera the next time you see the red car is parked there. Take seeral ... | |
| Car repairs and insurance | 3/22/2010 |
| Q: I was in an accident and as a result went to my insurance company for an estimate for the repairs. ... A: Yes. If the damage is minor and only requires the replacement of bold on parts then you can do it ... | |
| DV | 3/19/2010 |
| Q: My insurance company paid for my car to be repaired but denied to pay diminished value and told me ... A: If your insurance company and you are look at as being equal and are each paid a pro-rata share, ... | |
| auto theft and insurance | 3/19/2010 |
| Q: key was left in cupholder, i live in nj, have comp coverage, am i covered ? A: Each insurance company may have different ways they handle this situation. You would have to read ... | |
| Diminished Value GA | 3/18/2010 |
| Q: I was in an auto accident Feb. 1, 2010. It was front end damage which ended up costing $6585 in ... A: The 17C formula is not recognized by anyone other than insurance companies. Neither the courts nor ... | |
| DV | 3/17/2010 |
| Q: My insurance company paid for my car to be repaired but denied to pay diminished value and told me ... A: The pro-rata share that your insurane company will receive is the subrogation. However, your ... | |
| accident claim not enough what can I do | 3/17/2010 |
| Q: 90K I have an attorney working on my case and we just had an appt. last week which he explained to ... A: If the other driver only purchased 25k in coverage, then that is all there is to get from their ... | |
| Car Accident/Insurance | 3/9/2010 |
| Q: We insured a new car, but after accident they tell us we aren't insured. I had 2 cars insured, 1 ... A: I'm afraid this is not going to be an easy fix, if there is a fix at all. You need to demnand that ... | |
| Road chip damage on bumper – comprehensive or collision coverage? | 3/8/2010 |
| Q: The front bumper got road chip when I drove my car behind a truck. Is the road chip damage covered ... A: However, I'm not sure why you asked the question if you already knew the answer. I was just giving ... | |
| Road chip damage on bumper – comprehensive or collision coverage? | 3/8/2010 |
| Q: The front bumper got road chip when I drove my car behind a truck. Is the road chip damage covered ... A: Generally this type of damage would be paid under the collision coverage. I would suggest that rock ... | |
| Car Insurance Cancellation | 3/6/2010 |
| Q: I have recently found myself in a great deal of financial hardship in terms of driving, and I have a ... A: If you do not have insurance for more than 30 days, it will be like starting over. It does not ... | |
| Hit & Run by Drunk Driver | 3/6/2010 |
| Q: 2 years ago my husband and I, along with our son were rear-ended at a stop light by a drunk driver. ... A: You are absolutely correct. You claim is worth a lot more. All of the medical treatment and tests ... | |
| auto claim against me | 3/5/2010 |
| Q: I was involved in a minor collision in the parking lot of my apt complex. The other driver turned ... A: You need to report this to your insurance company right away. They will take your statement as well ... | |
| insurance payout | 3/5/2010 |
| Q: my car was recently paid off. I never obtained title. The dealer is now closed. How do I obtain ... A: You have to track down the dealer. You can go online to your states department of corporations ... | |
| auto accident | 3/4/2010 |
| Q: last friday 2-26 we had an accident 2 hours from home @ my daughter's softball tourney. i was @ a ... A: There is no specific time limit. However, the longer you wait the harder it is to prove that you ... | |
| Car Vandalized | 3/4/2010 |
| Q: My car was vandalized about a month ago. The insurance company told me it was going to investigated ... A: The purpose of the EUO is to make you sweat. They will try to get you to say something that will let ... | |
| auto accident | 3/4/2010 |
| Q: last friday 2-26 we had an accident 2 hours from home @ my daughter's softball tourney. i was @ a ... A: It's too early to determine what you may be entitled to. First the insurance company will send a ... | |
| Daughter falsely accused filing false insurance claim | 3/3/2010 |
| Q: My daughters Dodge Caravan was stolen from a friend house. She delivers newspapers for a living and ... A: Under the circumstances I'm not sure I can help. It sounds like you and your daughter have done ... | |
| Filling a claim 2 weeks late? | 3/3/2010 |
| Q: Aprox. 2 weeks ago I spun out on the freeway in the rain, and slammed my sports car (Nissan 350z) ... A: It's always best to tell the truth. There is no problem with waiting the 2 weeks. Simply tell them ... | |
| can I choose repair shop? | 3/2/2010 |
| Q: I was recently in an auto accident with the other driver being at fault. Her insurance company has ... A: In most cases, you should take the vehicle back to the original shop. You should call the shop and ... | |
| Claim denial | 3/2/2010 |
| Q: My son was involved in an auot accident. The other driver was cited at the scene for making an ... A: Insurance companies will often use slight mis-statement or minor statement conflicts to deny claims. ... | |
| Insurance Statement re DUI | 3/1/2010 |
| Q: What do I tell an insurance company after a DUI accident? I have a court date in CA in March, but do ... A: You simply stick to the facts. You can tell them that you were charged with DUI but that you are ... | |
| Not in agreement with Insurance Settlement | 3/1/2010 |
| Q: I was involved in an auto accident which occurred about 4 months ago. The accident happened early ... A: You tated that this decision that you were 15% at fault was determined after "litigation". If by ... | |
| Is my accident covered | 3/1/2010 |
| Q: I was involved in an auto accident this morning where my son was driving and he was at fault. I ... A: Since your son does not live with you he is not required to be listed on your policy. He is required ... | |
| Michigan No Fault/ Medical buy out offer | 2/28/2010 |
| Q: Michigan has lifetime medical benefits for an auto injured victim. My adjuster offered me a buy out ... A: I am not an attorney. Nor am I specifically aware of Michigan insurance law. However, it would be ... | |
| Auto Accident Settlement | 2/26/2010 |
| Q: I was involved in an auto accident Jan 8-09 i was driving to work at about 50mph and a guy pulled ... A: There are too many variables for me to give you a real answer. The insurance company will initially ... | |
| Loss of Use/Fleet utlization | 2/25/2010 |
| Q: how do you make a loss of use claim on a hire vehicle - i have 4vehicles - 2 where on hire at the ... A: Insurance companies do not like to pay claims for loss of use on commercial for hire vehicles. They ... | |
| hit and run | 2/24/2010 |
| Q: my car was parked in front of my house and was hit by a dominoes pizza delivery driver and he ran. ... A: I'm not sure I understand the "dollar a day insurance" that you referred to. However, if there is ... | |
| How to Settle Pedestrian Auto Injury? | 2/24/2010 |
| Q: I am a Penn resident and am trying to figure out how much I can settle an auto accident in which I ... A: Unfortunately, I am not that specifically familiar with PA insurance law or regulations. I am also ... | |
| 4 car accident , dealing with insurance co | 2/23/2010 |
| Q: I was involved in a 4 car accident on October, 2009. I am the second car from the top. Police ... A: Unfortunately things don't work the way most people think. The decision to pay a claim or fight is ... | |
| what happen when your internal apeal deny | 2/22/2010 |
| Q: Can a insurance company deny your claim base on a statement of there insurer and not a actual ... A: An insurance company can deny a claim based on the statement of their insured if they feel it is ... | |
| help turned right and was side swiped after | 2/19/2010 |
| Q: Im a 1st timer, never hit anyone or have been hit, HELP!!! Sorry for spelling was typing in a hurry ... A: In most cases when you pull out of a parking lot and get hit by somone that was already on the road, ... | |
| 5 car accident 2 | 2/19/2010 |
| Q: My insurance is covering for me being hit by an uninsured motorist. I have 50k in coverage per ... A: You are entitled to the cost of all of the medical bills, mileage to and from the medical visits, ... | |
| Need advice | 2/19/2010 |
| Q: A few days ago I was on a 4 lane hwy driving my 1987 Chevrolet K5 Blazer (fullsize Blazer, not a ... A: With no witnessess, this is your word against the other driver. Your vehicle was sort of fishtailing ... | |
| auto body shop problem | 2/18/2010 |
| Q: My car was damaged in an accident. It is now at an auto body shop and I am now regretting using ... A: You can contct te insurance company that paid them to see if they can put any preasure on the shop. ... | |
| Was cut off - what to do? | 2/17/2010 |
| Q: I work in a busy city here in Wisconsin. One a Friday night I was on one of the busiest streets of ... A: Unfortunately, in this situation, I think you will be considered at fault. Not because you are at ... | |
| Driver's License / Auto Insurance | 2/17/2010 |
| Q: I have an 18-year-old nephew who just got his license and I was wondering if he has to have auto ... A: Auto insurance follows the vehicle and not the driver. There is no requirement that a person have ... | |
| Slid on black ice and crashed my car. | 2/16/2010 |
| Q: Driving on a back road drove through what looked like a puddle of water, and was but had black ice ... A: The auto insurance will cover the damage you your car less your deductible. It will also pay for any ... | |
| Snow Plow Parking Lot Accident | 2/16/2010 |
| Q: Greetings, I arrived at work in the middle of a snow storm. About 2 hours after arriving at work, ... A: Unfortunately, without some compelling evidence that the landscaping truck hit your car, there is no ... | |
| 60 car pile up | 2/16/2010 |
| Q: We were involved in a large 60 car pile up due to white out conditions on a four lane highway. We ... A: Don't be to quick to think your car will be totalled. In order for the car to be declared a total ... | |
| To file a claim or not? | 2/14/2010 |
| Q: My 19 year old son skidded and crashed on ice 6 weeks ago, we only had 3rd party for that car, so ... A: You should absolutely pay this yourself. Do not make a claim. Since this would be considered to be ... | |
| insurance settlement too low | 2/14/2010 |
| Q: I stopped at a stop sign at an all-way stop T-intersection; there was no on-coming traffic I ... A: Based on your description of events, it does sound like the other driver is 100% at fault. Placing ... | |
| Parking Lot Accident-Fault determination | 2/13/2010 |
| Q: Both vehicles were searching for a parking space. The lot is a box type configuration with 3 long ... A: Parking lot accidents are very difficult to determine liability. Based of your description, I would ... | |
| Filing Car Accident Claim | 2/13/2010 |
| Q: I am a 30 year old single mother of 3, one of which has a chronic illness. I served in the military ... A: You can go to a website: www.collisionwizard.com . This website will help you put together a demand ... | |
| Hit and Run | 2/12/2010 |
| Q: we were involved in a accident a truck hit the side of the car and we both left no police report the ... A: If you have collision insurance on your car, then you can make a claim to your insurance company who ... | |
| Car Accident | 2/12/2010 |
| Q: I am from the UK and am wondering about my friend that was recently in a car accident. I know the ... A: I would suggest that your friend go back to the scene of the accident wth a digital camera. Take ... | |
| teen on policy with second accident: to claim or not to claim | 2/12/2010 |
| Q: My wife and i have spotless driving record. Added 17 yr old teen last summer to our auto. had one ... A: Yes. I was trying to say take whatever action makes the most financial sense. But, if you are ... | |
| car totaled | 2/11/2010 |
| Q: I live in California. My car was hit by somebody whose insurance has claimed total loss on my car, ... A: You need to call the insurance company and tell them that unles they take your car and pay you the ... | |
| need help before taking to adjuster | 2/11/2010 |
| Q: I was in a accident in Portland, OR where I was stopped wanting to turn right, the other car was ... A: If you were waiting to turn right out of a parking lot onto a road and the other car was already on ... | |
| Car being held for evidance | 2/11/2010 |
| Q: I’m a victim of a hit and run involving 4 cars. Another victim in one of the cars was killed. My car ... A: This is a difficult situation. There is only 1 thing I can think of that may help containing the ... | |
| Auto Insurance denied coverage | 2/10/2010 |
| Q: I picked up my truck that was stored at my wives place 50 miles away. On my way home I got in an ... A: There is no grace period in auto insurance except for a newly purchased vehicle. If you buy a new ... | |
| rental car reimbursement | 2/10/2010 |
| Q: I used the cheapest rental car available and kept for 6 days. Took 2 months for attorney to get a ... A: It is possible to seperate the PI from the property damage claim, however the insurance company may ... | |
| teen on policy with second accident: to claim or not to claim | 2/9/2010 |
| Q: My wife and i have spotless driving record. Added 17 yr old teen last summer to our auto. had one ... A: I can relate. My son totaled 2 vehicles within 3 months. Now he walks. The decision to file or not ... | |
| Who is at fault? | 2/8/2010 |
| Q: leaving a parking lot after seeing all is clear and making a left hand turn onto a 4 lane road with ... A: Based on the fact that you were hit on the right side after completing your left turn and then ... | |
| Who is at fault? | 2/8/2010 |
| Q: leaving a parking lot after seeing all is clear and making a left hand turn onto a 4 lane road with ... A: Its hard to say without hearing both sides of the story. However, in most cases if you make a left ... | |
| Becoming an Independent Appraiser in Florida | 2/7/2010 |
| Q: I moved to Florida about 3 years ago and was previously an insurance adjuster for a major auto ... A: In the state of Florida you do not need a license to be an auto damage appraiser/estimator. A damage ... | |
| Other driver didn't provide info in fender bender | 2/5/2010 |
| Q: Today, my boyfriend and I were in a minor fender bender at a gas station. We live in California. ... A: At this point you have done eveythng you can. You will likely be considered to be at fault. But you ... | |
| Claim post accident | 2/5/2010 |
| Q: I rear ended a chevy tahoe a week ago going less than 10 mph with my bmw 528i. We pulled over to the ... A: Since insurance companies have been involved, you should report this to your insurance company. You ... | |
| private property collisions | 2/4/2010 |
| Q: If there was an accident in a funeral homes parking lot and there was no police record filed is it ... A: If you hit the funeral homes bulding or vehicle then they would be able to sue you if your insurance ... | |
| Claim | 2/4/2010 |
| Q: I was rearended in my 89 truck , if the ins. co of the other driver has an estimate done on my truck ... A: Since your truck is a 1989 it's value is very low. I would venture to say that the value is less ... | |
| Auto accident question | 2/2/2010 |
| Q: I was in a car accident about 5 days ago. It has been determined by both my insurance company and ... A: Do not let the insurance company intimidate you into a low settlement. They will require that you ... | |
| rental car reimbursement | 2/2/2010 |
| Q: I used the cheapest rental car available and kept for 6 days. Took 2 months for attorney to get a ... A: The insurance company can offer anything they want to. But you are entitled to be reimbursed for the ... | |
| Diminished value | 2/2/2010 |
| Q: I was sitting still at a red light and was hit from behind at full speed. I clipped the car in ... A: You are correct. Your vehicle's value will be less than before due to the accident history. The loss ... | |
| Medical Release | 2/1/2010 |
| Q: I was a passenger in an automobile accident and the owner of the vehicle who was at fault's ... A: That is correct. If you don't sign they will not settle. The reason they want to look into your past ... | |
| Broken Frame | 2/1/2010 |
| Q: I'm not sure what to do so this can't hurt. I have a 97 saturn sl2. I was NEVER in any accidents or ... A: This is a tough one. Unfortunately, since there was no accident you can not make a claim on either ... | |
| Liability involving two cars under same policy | 2/1/2010 |
| Q: My 22 year old daughter backed into my car this morning, causing very significant damage to both ... A: This would only be covered if you have collision coverage on both vehicles. Each claim would incure ... | |
| Insurance Surcharge Appeals | 1/31/2010 |
| Q: I read one of your answers about Insurance Surcharge Appeals and the likelyhood of winning on an ... A: I would have to say that my opinion would be the same. The insurance companies position will be that ... | |
| Insurance Claim - Are they going to deny? | 1/30/2010 |
| Q: Two days ago, I was traveling on a highway with a high incidence of deer. I suddenly spotted a deer ... A: Unfortunately, the only ones that can tell you what the affect this incident will have on your ... | |
| I'm being sued in small claims court/auto insurance | 1/30/2010 |
| Q: My daughter was in a car accident on 1/18/2008. The car was under my name. She failed to yield to ... A: You need to immediately contact your insurance company. They will instruct you to send the law suit ... | |
| Rear end with (2) 11 year olds. | 1/28/2010 |
| Q: On 1/2/2010 I was in a auto accident. I had my 11 year old daughter and her 11 year old friend in ... A: There is no fixed formula to determine the amount of settlement. As a general rule of thumb you ... | |
| collision repair/not my fault | 1/28/2010 |
| Q: Recently was in a fender bender which was not my fault. My car is now in the repair shop - the ... A: You should fight this strongly if the aftermarket parts include sheet metal. However, if the only ... | |
| payment for damages to car | 1/27/2010 |
| Q: My car was backed into leaving a large dent in the passenger side back quarter panel. That panel had ... A: The insurance company does owe you to put the car back in the same condition it was before the ... | |
| towing charges | 1/26/2010 |
| Q: i got rear ended,will the other person insurance cover towing and storage charge at tow-yard? A: Yes the at-fault persons insurance will pay for "reasonable" towing and storage charges. You need ... | |
| fender bender | 1/25/2010 |
| Q: I was at work, parked on the side of the building where there are 15 or so parking spaces for ... A: Unfortunately, you will be considered to be 100% at fault in this situation for 2 reasons. ... | |
| car rental reimbersment | 1/23/2010 |
| Q: Richard my car took almost 2.5 months to fix. I had to rent a car for that duration. The rental bill ... A: First, you should not cash the check unless you plan to accept it as payment in full. Second, you ... | |
| Auto Claim | 1/21/2010 |
| Q: In May 7th 2009 I was in a car wreck while coming home from work that was not my fault. The person ... A: Yes. This is typical. The insurance company does not want to pay what your attorney is asking for. ... | |
| reopening a claim | 1/21/2010 |
| Q: I got in a car accident back in 2004 in which my car was totaled. I was having back problems after ... A: If you reached a settlement agreement with the at-fault persons insurance company and signed a ... | |
| struck parked car, but snow not plowed to curb | 1/20/2010 |
| Q: I sideswiped/brushed a parked car parallel parked on the side of the road after I had a ... A: You will be considered at fault in this situation no matter what. Since you knew that it snowed and ... | |
| Insurance Surcharge Appeals | 1/20/2010 |
| Q: I have never been through this process before with respects to a hearing on insurance surcharge ... A: Unfortunately, I would tend to agree with the other experts. When you have a single vehicle ... | |
| auto theft | 1/20/2010 |
| Q: i purchased a 1999 dodge durango for 20,000.00 from a car dealer and registered in in my business ... A: Depending on your state, the statute of limitations would generally be anywhere from 2 years to 4 ... | |
| auto insurance after car accident | 1/19/2010 |
| Q: i was involved in a car accident in 2007, and it was my fault. the other driver claimed that she has ... A: That would depend on the actual wording of the release form that was signed. As I said earlier, it ... | |
| accident. NOT AT FAULT!! | 1/19/2010 |
| Q: i just was in an accident. i was pulling away from a gas pump to pull out of the gas station. i ... A: If the police responded to the scene of the accident and wrote a police report, then you would need ... | |
| auto insurance after car accident | 1/18/2010 |
| Q: i was involved in a car accident in 2007, and it was my fault. the other driver claimed that she has ... A: Without seeing the release form, it's hard to comment. You should contact Progresive and get ... | |
| 10 % at fault | 1/18/2010 |
| Q: my wife was involved in an accident on a street where she had the right of way, the other vehicle ... A: If the liability decision was 90/10, meaning that your wife was considered to be 10% at fault for ... | |
| Rear-ended by a driver w/ DUI | 1/18/2010 |
| Q: Someone rear-ended me who turned out to be DUI. It clearly states that in the police report. Does ... A: Yes. Everything you have heard about Allstate and Collosus are true. With a minor injury and ... | |
| insurance company demanding money | 1/16/2010 |
| Q: I was in a two vehicle accident early last year, I did not have insurance at the time of the ... A: Although there were no injuries reported to the police at the time of the accident, that does not ... | |
| PI | 1/15/2010 |
| Q: If I file a case against a driver that hit me, do their Auto insurance company also contact my ... A: If you are claiming injuries due to the accident, the insurance company will want to see all of your ... | |
| injury | 1/15/2010 |
| Q: I was hit by a car at work in Ga. I was taking a order out and hit on my right side and knocked on ... A: Yes. The lady driving the car is at fault. You should see a doctor if you feel you need one. Only a ... | |
| How does the insurance work? | 1/14/2010 |
| Q: On January 5th of 2010 I was involved in a 4 car crash in SW Florida. The accident started when an ... A: Unfortunately, yes. You will be considered to be at fault in this situation because you rearended ... | |
| Statue of Limitations on small claims court claim | 1/13/2010 |
| Q: Good Afternoon. In Michigan, what is the statue of limitations for filing a small claims affidavit ... A: The questions you are asking are legal questions and not insurance questions. I am not an attorney ... | |
| 3rd party hit and run totalled my van | 1/13/2010 |
| Q: I was involved in a 3 car accident on the freeway. I live in CA. I was hit by a car who was hit by a ... A: I'm sorry you are in this situation. First you must understand that an insurance policy is a ... | |
| Theft Insurance Claim | 1/13/2010 |
| Q: it is a third party claim. My vehicle was being service by a mechani shop and the mechanic fixed the ... A: The insurance company is not responsible for replacing the locks in your car. That is up to you. ... | |
| Follow Up | 1/12/2010 |
| Q: Subject: Hit and No InsuranceSomeone hit the front of my vehicle with the rear of their pick up ... A: It should not matter if you have something that can prove the date of the accident. You should still ... | |
| will insurance pay? | 1/11/2010 |
| Q: im an unlicensed van owner with insurance, and was sat in the passenger seat , when a friend who is ... A: I am not specifically knowledgeable in UK insurance or insurance law. That having been said, ... | |
| Someone hit my car when parked | 1/11/2010 |
| Q: My car was parked in a public parking lot and someone Hit it and ran away. Right hand side fender is ... A: Only you can decide if you should make a claim. The first step would be to go to a body shop to get ... | |
| I'm an underinsured motorist at fault - help! | 1/11/2010 |
| Q: I was found to be at-fault in what I originally believed to be a fairly minor accident. However, ... A: The insurance comapny of the party you hit will not accept a settlement of $5000 against a $30000 ... | |
| Diminished Value Expert Credentials | 1/10/2010 |
| Q: Richard, I am the President/Ceo of Petty Details, LLC. I have recently come across a Texas ... A: I would be happy to review your information and provide tips on how you can defeat a challange. ... | |
| accident claim | 1/9/2010 |
| Q: while at a light my wife was hit by a school bus from behind. The report shows the ... A: Since the accident was not your wife's fault, having your insurance company will handle the claim ... | |
| Auto coverage liability and physical damage | 1/9/2010 |
| Q: If my daughter lets her boyfriend borrow her car to use as a work vehicle (drives from store to ... A: No. The only way for him to be covered is if he is added to the policy as a driver and explaines to ... | |
| reopening a claim | 1/8/2010 |
| Q: I was in a hit and run accident in which the driver of the other vehicle was unable to be ... A: If you signed a release form 14 days after the accident then there is likely not much you can do. ... | |
| car accident | 1/7/2010 |
| Q: I hit a light pole on the side of the road and it feel over and hit another truck the damage didn't ... A: Your insurance will cover the damage up to the limit of your coverage. So if your property damage ... | |
| auto accident w/pl. pd. only | 1/7/2010 |
| Q: my accident involved 3 vehicles.mine %26 two others behind me. i was rearended waiting for ... A: The only one responsible for paying for your damage is the person who caused the accident. It does ... | |
| fender bender | 1/6/2010 |
| Q: I backed into a a persons car. minor damage. I gave her my number and told her to get a hold of me ... A: The time limit to file a claim would be the same as the statute of limitation in your state. In most ... | |
| Parking Lot Fender Bender -- Est. $1,800 bumper repair | 1/6/2010 |
| Q: I backed into a brand new luxury vehicle and left a quarter-sized "impression" in the bumper which ... A: The company should be able to tell you what the surcharge would be. With most companies the ... | |
| Insurance Problems | 1/5/2010 |
| Q: on December 17th a drunk driver plowed into my parked vehicle and completely totaled it. My car seat ... A: Unfortunately, all of the damages caused will be considered to be one event. They are not seperate ... | |
| auto accident w/pl. pd. only | 1/5/2010 |
| Q: my accident involved 3 vehicles.mine %26 two others behind me. i was rearended waiting for ... A: Unfortunately, I do not have any good news for you. If the driver of the vehicle that hit you was an ... | |
| Fault determination | 1/5/2010 |
| Q: I am in Texas and had an accident in a highway last month because of the icy roads. The weather ... A: It's hard to give a blanket answerin this situation. Based on what you have stated, I would conclude ... | |
| FL MVA's involving a school bus | 1/4/2010 |
| Q: Would a child injured in a school bus accident be eligible for Florida PIP coverage through their ... A: To the best of my kowledge, a claim for PIP coverage could be made on either the parents or resident ... | |
| car accident | 1/4/2010 |
| Q: i had an accident at a mini roundabout, my right there is no road only residential, 3rd party came ... A: This is a very difficult situation for me to determine who is at fault. Without being able to have a ... | |
| Business - Loss of Use Claim | 1/3/2010 |
| Q: Hixenbaugh: My company is in the automobile repossession business. One of our trucks was involved ... A: You are correct. This is an attempt to intimidate you into going away. The amount of documentation ... | |
| claims requirement | 1/2/2010 |
| Q: What documents do I need to mail to the claims adjuster before they mail me the check from my ... A: Unfortunately you did not give me much information. But I woud sayt in any case you should submit ... | |
| rear-ended on an icy road | 1/1/2010 |
| Q: I was rear-ended on my way to work early this week in Columbus. The road was icy and I started to ... A: The injuries you describe sound like the typical injuries you would expect from a rear end ... | |
| diminished value | 1/1/2010 |
| Q: our 2007 ford 500 was involved in a rear -end accident a couple of days ago. im a car guy and take ... A: The Progressive adjuster is simply trying to get you to go away. No body shop has the ability to ... | |
| Partial Settlement | 12/31/2009 |
| Q: I am being offered a partial settlement for damage to my car from the person that hit me's insurance ... A: It sounds like the insurance company is only offering partial payment because they have determined ... | |
| Partial Settlement | 12/31/2009 |
| Q: I am being offered a partial settlement for damage to my car from the person that hit me's insurance ... A: Before you cash the check, you should take your vehicle to the body shop that you want to do the ... | |
| car stolen pending repairs already approved by other driver's insurance co. | 12/30/2009 |
| Q: My car was hit by another driver who admitted fault. Her insurance co. agreed to pay for repairs ... A: You are not entitled to collect more than 100% of the value of your car. If your insurance company ... | |
| Parked Car | 12/30/2009 |
| Q: I was parked in a red zone and a car backed into mine. It didn't cause much damage however my ... A: Her insurance company may try to place some of the blame on you for being illegally parket. However, ... | |
| hit and run doesn't have car insurance | 12/30/2009 |
| Q: Based on the police report, the hit and run driver get caught for hit and run and also DUI. There is ... A: If you have collision coverage, your company will pay to repair your car. As far as your injuries ... | |
| Accident Claim | 12/29/2009 |
| Q: I am in Texas and the roads were icy and wet on December 25th becuase of the cold weather. I have a ... A: Since you have no insurance to fix your car, you will just have to fight with the other insurance ... | |
| hit and run doesn't have car insurance | 12/29/2009 |
| Q: Based on the police report, the hit and run driver get caught for hit and run and also DUI. There is ... A: Your private medical will cover your medical bills as any other illness or injury. You will be ... | |
| auto um coverage | 12/28/2009 |
| Q: If a person is provided a company car and they are also allowed to drive it personally and get hit ... A: It would depend on the state you live in but in most cases yes. You should contact your insurance ... | |
| suspended auto registration | 12/26/2009 |
| Q: I was sent a notice by the DMV that they want me to send in my auto registration on my 3 vehicals ... A: Regardless of who is at fault, the state requires proof of insurance. It is your responsibility to ... | |
| Water Flood Damage to Car | 12/25/2009 |
| Q: I own an 05 Volvo SUV and live in the PNW where it rains alot. The car I bought has a serious design ... A: Suing your insurance company is not going to help. In all insurance policies the decision to repair ... | |
| Low speed t-bone accident | 12/24/2009 |
| Q: About a month ago I was in a low speed accident where the other gentleman hit me at about a 90 ... A: You should insist that you are completely not at fault. This is simply an attempt to get you to ... | |
| Balance Billing | 12/23/2009 |
| Q: Several years ago I was injured in an MVA in MD and received medical treatment. The total of all my ... A: Unfortunately, your question is regarding specific policy provisions of a specific insurance ... | |
| Accident with no coverage | 12/22/2009 |
| Q: I was making a legal left hand turn when a driver coming the opposite direction hit me. It was ... A: Anytime you make a left had turn or U-turn across oncomming traffic it will be considered to be your ... | |
| medical bills and final settlement | 12/18/2009 |
| Q: I was in a car accident which involved approx. $5000.00 in medical bills. Is there a rule of thumb ... A: The settlement will be based on the type and extent of injuries more that just the cost of the ... | |
| total loss/deducting preexisting damage | 12/17/2009 |
| Q: Our car was stolen and found about 2 weeks later. Insurance company totaled the car. made an offer. ... A: Total loss claims are settled on the basis of fair/retail market value. A vehicle that has ... | |
| rear ended | 12/16/2009 |
| Q: My fiancé and i were rear ended approximately 6 days ago.My SUV sustained minor damage while the car ... A: The injuries you and your fiance experienced are typical of a minor rear end collision. You may both ... | |
| loss wages compensation | 12/16/2009 |
| Q: I was involved in an shuttle bus accident at the O'Hare Airport in Chicago, IL. The driver of the ... A: You will need to get a statement from your employer indicating that you used vacation/sick days ... | |
| Auto Repair shop has accident with my personal vehicle | 12/15/2009 |
| Q: I brought my vehicle into a well know auto shop to have an oil change. I received a call from the ... A: This is a sticky situation. You should be asking this question of an attorney. The reason is that it ... | |
| Is there anyway possible to contact the insurance of the driver that hit me while walking on the street? | 12/15/2009 |
| Q: Here's the deal I was walking to the store last month when a car came from behind and hit me, ... A: H Carlos, You can handle the claim by yourself. However, you should not short change yourself just ... | |
| Salvage Value | 12/14/2009 |
| Q: Our 2002 Pontiac Supercharged V-6 Grand Prix GTP was totaled in an accident. I would like to know ... A: Generally the salvage value of a totaled vehicle will be about 10% of the pre-damage value of the ... | |
| total loss | 12/13/2009 |
| Q: I have a question about my car not being a total loss. My insurance company in L.A. is saying my ... A: Most insurance companies will declare a car, light truck, or SUV to be a total loss when the ... | |
| Total Loss Settlement | 12/12/2009 |
| Q: hey. hows it going. i have a question. My 2004 Nissan 350z which was customized for car shows. it ... A: In accident claims the insurance company has 30 days to investigate and either deny or pay the ... | |
| Not At Fault incident | 12/11/2009 |
| Q: My girlfriend was recently, as in less an hour ago, involved where she discovered a large dent and ... A: In most cases this will be filed as a collision claim. Your insurance company will pay for the cost ... | |
| accident | 12/10/2009 |
| Q: i was hit by a big rig last week, i made a claim through my insurance company that day. my insurance ... A: If you have collision coverage, your insurance company should repair your vehicle and then they will ... | |
| Insurance Will Not Pay Medical Claim | 12/10/2009 |
| Q: I am insured in KY and had a single vehicle motorcycle accident on 10-5-09. My insurance company ... A: In most states that have PIP (Personal Injury Protection) coverage, it is not available on ... | |
| 3rd party damage claim - payment to body shop? | 12/10/2009 |
| Q: We are in Maryland. My husband was in a minor accident (no injuries) and there is no dispute as to ... A: In this case what the insurance comapny is doing is to say that their estimate is correct and they ... | |
| Prior damage v. new | 12/9/2009 |
| Q: I was rear-ended by a truck while stopped at a stop sign. I filed a claim with the "guy's" insurance ... A: Unfortunately, this is how insurance companies treat people. They will claim that your witnessess ... | |
| accident victim | 12/9/2009 |
| Q: if you are in a accident where the other driver was at fault, and you were the passenger do you have ... A: There would only be coverage for your medical bills under the vehicle owners policy if you are in a ... | |
| no brake lights rear-ender | 12/7/2009 |
| Q: I rear-ended someone with no brake lights. This was verified by the responding Deputy, but the guy ... A: I know it seems like it should cause him to be at fault 100% however, they will still make the case ... | |
| insurance release forms | 12/7/2009 |
| Q: Is there an insurance release form that agrees to pay medical bills, from the date of the auto ... A: No auto insurance company pays medical bills as they are incurred. There will be a one time lump sum ... | |
| no brake lights rear-ender | 12/6/2009 |
| Q: I rear-ended someone with no brake lights. This was verified by the responding Deputy, but the guy ... A: In the vast majority of situations, you are considered to be at fault anytime you rearend another ... | |
| reimbursement for travel to Doctor | 11/30/2009 |
| Q: When I send in the doctors bills to the insurance company, how much will the carrier pay, if any, ... A: The carrier is not going to just pay an amount for mileage. You have to demand that they pay you for ... | |
| Claim for injuries | 11/29/2009 |
| Q: Last week a Nationally recognized moving truck company ran a stop sign and struck my car. I was ... A: The value of your claim will depend on many things, such as, what is the prognosis on the shoulder ... | |
| Want vehicle "totaled" not "repaired" | 11/28/2009 |
| Q: Our mother, who is in her 80's, was recently broadsided in the driver's side by someone who ran a ... A: It's good you are looking out for your mom and that you have some automotive background. You ... | |
| California Loss Of Use Limitations | 11/27/2009 |
| Q: In California,are there any limitations on the number of days an Insurance company can be liable for ... A: No there is no limit. The insurance comppany is making stuff up in an attempt top steal your money. ... | |
| Medical Authorization | 11/27/2009 |
| Q: Are you saying that you have to sign a medical release for things even prior to accident date? A: The insurance company ig going to look into your past medical conditions to see if any of the claims ... | |
| Insurance claim | 11/26/2009 |
| Q: About two weeks ago I was involved in an auto accident. I have a check issued by my insurance ... A: The insurance company is required to protect the interests of the lienholder so they have to include ... | |
| Total Loss Claim in Michigan (No-Fault) | 11/25/2009 |
| Q: My 2002 F350 Lariat Crew Cab Long Bed 7.3L Turbo Diesel (loaded) truck was totaled early last month ... A: You are absolutely correct. All those things should be taken into consideration. For the adjuster to ... | |
| Insurance Co claiming damage didn't happen during accident | 11/25/2009 |
| Q: I was involved in a car wreck in which the other driver pulled out from the parking lot across 3 ... A: The only way to get the insurance company to pay is to find another expert that can diagnose the ... | |
| Total Loss | 11/25/2009 |
| Q: Our business is located behind a large truckstop and our driveway leads directly into the parking ... A: That is absolutely rediculous. You should call back the hartford adjuster and tell them you want the ... | |
| Lienholder buys retroactive coverage | 11/24/2009 |
| Q: Because I lost my job I went without coverage on mycar for approx 5 months. Can the credit union ... A: That does sound a bit fishy. However, if the insurance company is willing to sell it and accepted ... | |
| Auto Insurance Repairs | 11/23/2009 |
| Q: I own a two door vehicle with comprehensive coverage. My left rear quarter panel was damaged and my ... A: Yes, it is correct. Since the first repairs were not completed, the insurance company will not pay ... | |
| How should I handle the Insurance Company? | 11/23/2009 |
| Q: My vehicle was parked on the street and was sideswiped over night taking off my driver side mirror ... A: Regardless of the cause of the damage your collision coverage will pay the cost of the repairs less ... | |
| no win no fee | 11/23/2009 |
| Q: I live in United Kingdom. I am writing you to ask whether is possible to drop my Now Win No Fee ... A: Unfortunately, being based in the U.S., I am not familiar with U.K. Insurance regulations and laws. ... | |
| parking lot accident | 11/21/2009 |
| Q: My question is about Florida no-fault, my vehicle was recently hit by another in a parking lot, it ... A: The term "No Fault: in the state of Florida only applies to injuries. It simply means that ... | |
| 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: | |