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Auto Insurance Claims/Questions Answered by Expert Bennie719
| Subject | Date Asked |
| Negligible damage | 8/8/2009 |
| Q: Recently I put a scratch to a 1999 Honda civic bumber while parking on a street in NJ. The cops came ... A: Earlier in the evening when attempting to answer your question, I somehow hit a wrong key which ... | |
| car scratch | 8/6/2009 |
| Q: A few days ago someone scratched my car. From the looks of it, they came too close with they're own ... A: This type loss will be considered a loss by collision, so your higher deductible will apply. Since ... | |
| Mother lied to insurance about who was driving | 8/6/2009 |
| Q: My daughter's boyfriend was in an accident the other day where he felt it was his fault. He changed ... A: Your daughter's boyfriend needs to make an accurate report of the accident to his insurance company. ... | |
| Auto accident------arbitration | 8/5/2009 |
| Q: My grandson was in an auto accident --Dec, 2007. He had a concussion and bleeding on the brain. He ... A: Pennsylvania is one of the eleven states that is considered a no-fault insurance state, instead of ... | |
| What if I want to pay for the damage out of pocket and not submitt the claim? | 8/4/2009 |
| Q: I recently backed into a car parked directly behind my driveway on a narrow street. I notified the ... A: The $1,000 deductible that you speak of only applies to damage to your car. The property damage ... | |
| Maximum amount of time to file claim | 8/4/2009 |
| Q: About 6 months ago I hit a steel curb and it caused damage to my frame. Unfortunatly I had made an ... A: Under normal conditions, you are expected to file a claim immediately. If you are unable to do so, ... | |
| One car accident...who is at 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: Had there been witnesses who observed the accident and secured the license plate number of the other ... | |
| need help, car insurance claim | 8/3/2009 |
| Q: My car was hit, and totaled. I only had liability. the person that hit my car WAS at fault. They ... A: If the son resides with the mother, she is required to add him as a driver to the policy in order ... | |
| Hale damage to car and insurance claim | 7/31/2009 |
| Q: I have a 2004 Nissan Sentra that was recently damaged by a hailstorm. I have 3 estimates and full ... A: The legal wording of most policies, under car damage, stipulates that the insurance company will ... | |
| Help with Settling Auto Claim | 7/28/2009 |
| Q: In January-2009 I was involved in an automobile accident. The driver of the vehicle that hit me, ... A: Your treatment plan and the demand of $35,000 sounds totally logical to me especially if you also ... | |
| Auto-Injury Claim Valuation | 7/27/2009 |
| Q: Last October (14th) I was driving a scooter to visit my mother, when I was stopped and in process of ... A: Since the accident was in October '08 and you did get a diagnosis and x-rays at the hospital and ... | |
| 2nd accident before repairs to the 1st. | 7/27/2009 |
| Q: On Dec 23rd of 2007 I scratched the driver side of my car on a decorative rock in a driveway. State ... A: Of course, if you had repaired the previous damage you would be owed full payment for the current ... | |
| Auto-Injury Claim Valuation | 7/26/2009 |
| Q: Last October (14th) I was driving a scooter to visit my mother, when I was stopped and in process of ... A: Since you have retained an attorney, I can't comment as to the value of your claim. I can only ... | |
| When should an auto personal injury claim be submitted? | 7/25/2009 |
| Q: Can you explain when is the best time to submit the auto personal injury claim (no fracture and scar ... A: Not until your treatment stops and you are released by your doctor as being fully recovered and ... | |
| who is going to pay | 7/24/2009 |
| Q: I was in bumper to bumper traffic when I rolled back about 6 inches and barley bumped her now she ... A: The fact that she is uninsured has no effect regarding her legal right to collect property damage. ... | |
| Demand first or wait for an offer? | 7/23/2009 |
| Q: In the soft tissue injury case, should the claimant make a demand first or wait for the at fault ... A: You as the claimant should always make the demand because if you wait for an offer, it's going to ... | |
| state farm liability claim | 7/23/2009 |
| Q: Texas.A guy had a fatal heart attack in front of our house and drove his truck thru our house ... A: The final decision on this will be based on Texas law and not have anything to do with the legal ... | |
| Accident in driveway | 7/22/2009 |
| Q: my daughter was backing out of our steep driveway as my wife was returning home yesterday. My ... A: I'm sorry to hear of your daughter's mishap. Since all cars are on the same policy, then they must ... | |
| Accident--no insurance | 7/21/2009 |
| Q: My small Mazda 3 was parked in front of my house. A mini van hit and side swiped it the other day. I ... A: You need to IMMEDIATELY report this accident to your insurance company. You did not state the year ... | |
| accident | 7/20/2009 |
| Q: My Husband was backing out of our driveway and hit my neighbors drivers door. My neighbor was ... A: Since it is possible for each driver to share a portion of fault, every state has a contributory ... | |
| property damage | 7/18/2009 |
| Q: IThere were several cars in my driveway and in turning ( backing up) I hit one on the driver's door ... A: That is a question that can only be answered by your State Farm Agent in Florida since rules vary ... | |
| Insurance claim | 7/17/2009 |
| Q: I was recently involved in an accident where the other party was at fault. My vehicle was tolled ... A: Although you do need some kind of a starting point to determine the value of your claim, there is no ... | |
| Personal Injury Claim | 7/17/2009 |
| Q: I was hit from behind back on January 31, 2009. I notified the other party's insurance carrier, ... A: In my opinion, this is how State Farm is looking at your claim. You reported the accident to them ... | |
| REAR ENDED/REAR ENDER UNISURED | 7/15/2009 |
| Q: I am in Va. I was rear ended in NOV08. My insurance is going to cover me under UIM claim. I have ... A: Since your insurance is covering your injuries under the uninsured motorists portion of your policy, ... | |
| lawsuit against auto insurance | 7/15/2009 |
| Q: If someone files a lawsuit against State Farm over an auto accident injury, can they get part of ... A: Based on the information that you have made available to me, the following is PROBABLY what's ... | |
| lawsuit against auto insurance | 7/14/2009 |
| Q: If someone files a lawsuit against State Farm over an auto accident injury, can they get part of ... A: Your question is not quiet clear enough for me to provide an answer. I assume that your friend is ... | |
| Will Comprehensive cover Engine Damaged trying to extract vehicle | 7/14/2009 |
| Q: My vehicle became stuck and while trying to extract it I damaged my engine. It looks like I am ... A: Sorry, but this is a mechanical failure loss and there is no way that it can be covered under ... | |
| Auto repair no fault incident | 7/14/2009 |
| Q: we have a 2001 Audi S4. To make a long story short, my daughter was driving the car when it ... A: Since Farmers elected to repair the engine, they have a legal obligation to make you "whole" again ... | |
| Auto injury settlement value | 7/14/2009 |
| Q: My wife had $10,000 in medical bills with a hurt back from a no fault, uninsured motorist accident. ... A: In order to try to be of assistance, I need more information. Please send me a follow-up question ... | |
| wreck #2 | 7/13/2009 |
| Q: My son was in a collision in my truck. He was the passenger. The driver left and cannot be ... A: I'm sorry to learn of your son's serious injury and do wish him a full recovery. Since you made no ... | |
| wrecknumber 1 | 7/13/2009 |
| Q: My daughter was in a collision on June 18th. It was determined to be the other drivers fault. The ... A: You must have secured the $2,000 from the dealer retail portion of Blue book. That figure is based ... | |
| borrowed vehicle | 7/12/2009 |
| Q: while my truck was being repaired the mechanic(a friend of a friend) let me borrow his car - i was ... A: Yes, you certainly need some help. I just don't understand as to why you waited until the day ... | |
| auto accident 2004 | 7/12/2009 |
| Q: What is the statue of limitations re: auto accident? I recently received paper work from a well ... A: The statue of limitations for bodily injury vary (depending on the state) from one (1) year to five ... | |
| Repossession | 7/11/2009 |
| Q: I had a car I purchased from a buy here pay here, I tried to get them to change my due date, because ... A: If the letter stated that the repossession was due to a default in payment and you state that your ... | |
| Rental Car Claim - 1 | 7/11/2009 |
| Q: "Policy Effective: 11/30/2008 Policy Canceled (Insured Request): 2/11/2009 Date of Loss: 1/19/2009 ... A: There are discrepancies in the dates stated in your question that require clarity. Without clarity, ... | |
| auto insurance claims | 7/10/2009 |
| Q: I was involved in a auto accident that was ruled the other drivers fault for crossing the center ... A: I'm sorry to learn of your serious injury and do wish you a full recovery. If the at fault party ... | |
| my girl accident | 7/10/2009 |
| Q: I just want to answer your question about what state i'm at, I'm in california and when i purchased ... A: ***************** FOLLOW UP ***************************** Hi Ryan, Since it's been 2 weeks, I'm ... | |
| problem settling claim | 7/9/2009 |
| Q: I was rear-ended June 10th by a Ford E350 with government license plates. The driver is a National ... A: You need to immediately report this accident to your own company if you haven't already done so. If ... | |
| Insurance Refusing to Pay | 7/8/2009 |
| Q: My son's car was backed into by another driver and his driver's door was damaged. He obtained ... A: This is standard with all companies, including yours. I can't approach your company with my side of ... | |
| Baby was hit and he had no insurance | 7/8/2009 |
| Q: I have a friend who was outside with her boys. The older ones ran across the street to the ... A: I have some knowledge, but do not consider myself an expert in health insurance. As I understand ... | |
| Filing lawsuit | 7/8/2009 |
| Q: I need to know how to file a lawsuit against an insurance company and it's at-fault driver. The ... A: ***************** FOLLOW - UP ***************************** Hi Natalie, Finding an attorney wil be ... | |
| auto insurance 7/2/09 | 7/8/2009 |
| Q: i have 2004 honda accord 60,00 mile in it and i still owe the bank about $14,000. I had an car ... A: In order for me to answer your question in a more understandable manner please tell me your state of ... | |
| Two Qs | 7/7/2009 |
| Q: The police did not write an accident report but driver exchange of information after the auto ... A: 1) That sounds reasonable. If they are unable to obtain the info they will call you. 2) ... | |
| Repossession | 7/6/2009 |
| Q: I had a car I purchased from a buy here pay here, I tried to get them to change my due date, because ... A: Different laws apply in different states. I have never before heard of a repossession based solely ... | |
| I'm uninsured, can I drive my Mother's Insured car | 7/5/2009 |
| Q: Again, I have no insurance, but my mother does on herself and her car. If I drive my mothers car ... A: If you reside with your mother, State Farm (and most other companies) require that you be listed on ... | |
| under 25 car insurance | 7/4/2009 |
| Q: What is my cheapest option regarding car insurance for our 19 yr old son and 15 yr old daughter? My ... A: Discuss this situation with your Agent. If your son's college is 150 miles or more from your home, ... | |
| Salvage Title | 7/4/2009 |
| Q: I was hit by someone and now their insurance company has deemed my car totaled. The damage is only ... A: You do need to make a report of the accident to your insurance company so they can file a SR-1 proof ... | |
| auto insurance 7/2/09 | 7/3/2009 |
| Q: i have 2004 honda accord 60,00 mile in it and i still owe the bank about $14,000. I had an car ... A: If your girlfriend was residing with you at the time that you purchased the policy, your company can ... | |
| auto insurance 7/2/09 | 7/3/2009 |
| Q: i have 2004 honda accord 60,00 mile in it and i still owe the bank about $14,000. I had an car ... A: I need a little more clarity before I can answer your question. Throuought the question you make ... | |
| Full Body Sectioning | 7/2/2009 |
| Q: 2005 Prius rear ended. Allstate was the other driver's co. The welded rear half of another Prius to ... A: This is the reason why you should always have your own insurance company repair your car following ... | |
| a driver hit our house | 7/1/2009 |
| Q: A lady ran into our house 8 days ago here in Texas. We contacted our homeowners insurance and her ... A: In order for me to provide a more accurate answer I would like some additional information. You can ... | |
| Surcharge Appeal, accident involving animal | 6/30/2009 |
| Q: I was recently in an accident that damaged the front and back right tires, suspension (control arm ... A: Your insurance company was required to submit the legal wording of their policy to your state ... | |
| Diminished Value | 6/29/2009 |
| Q: I have a new car, less than 3000 miles, and was recently in an accident. The damage was small, had ... A: First of all, it sounds like your appraiser greatly exceeded the true amount of diminished value. ... | |
| teen driver | 6/26/2009 |
| Q: I let my son borrow my car one night to drive to practice. He was in an accident, and both parties ... A: Legally, any insurance company in California can deny coverage for an accident caused by any ... | |
| auto claim | 6/25/2009 |
| Q: Hey Bennie, I put a Jeep of mine in the body shop last Wed. the 17th. I called the body shop, ... A: There are many reasons as to why a car could be considered a total loss even though it is still ... | |
| Horse hit by a pick up truck | 6/25/2009 |
| Q: When my horse was hit it was 2 am and it had gotten loose. The driver of the truck contacted me the ... A: I'm sorry to learn of your problem. I'm surprised to hear that a collection agency is involved only ... | |
| insurance coverage | 6/24/2009 |
| Q: Can I submit a claim for running something over in the roadway and as a result the object ruptured ... A: When you run over an item laying in the roadway, it is considered a collision by your insurance ... | |
| 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: The best possible way to handle this situation is to take your relative to the motor vehicle ... | |
| Insurance occaisional driver | 6/23/2009 |
| Q: I do not own a vehicle and I drive only from time to time. When I do, I am using my mom's on which ... A: Based on the wording of your question, I assume that you reside at home with your Mother. If that is ... | |
| auto claim | 6/22/2009 |
| Q: While backing out of my driveway I hit my own vehicle. the vehicle I was driving had total coverage ... A: Only the vehicle that you were driving will be covered subject to your deductible. You can't collect ... | |
| Auto Bicycle Accident | 6/7/2009 |
| Q: I turned right onto a busy street accelerated to 10mph and 90 feet after entering street started to ... A: There is a very fine line involved here and your question is not 100% clear as how you handled the ... | |
| pedestrian car accident | 6/4/2009 |
| Q: I was hit by a vehicle in Dec. 2009. I was transported by ambulance to ER (this was Christmas ... A: It's common practice for the adverse insurance to rush in for an early settlement. Don't even ... | |
| Appraisers Estimate is too high | 6/3/2009 |
| Q: Last week, I was parallel parked on a city street. When I was backing up to pull out, another car ... A: Since there is no question regarding the fact that you were at fault, your insurance company had no ... | |
| Prior damage to engine component | 6/2/2009 |
| Q: I was recently involved in a motor vehicle accident where I was rear-ended and as a result, my ... A: I am not a 'hands on' mechanic', so I will have to answer your question with logic and knowledge. As ... | |
| Insurance coverage for teen | 6/1/2009 |
| Q: We have a daughter that will soon turn 16. Expecting the insurance company to want her listed as the ... A: With 3 vehicles and 3 drivers this means that one vehicle will always be available for your ... | |
| jackknifed trailer | 6/1/2009 |
| Q: Earler today, in a moment of haste. I forgot that i had hooked to a small trailer. I Reversed pretty ... A: Sorry, but it will fall under collision. Unless you also carry collision on the trailer, no ... | |
| claims handled in GA | 5/29/2009 |
| Q: I have been unsuccessful in getting a claim handled. This is a commercial policy. The policy is a ... A: A policy written in any state contains the legal wording that when the insured vehicle is traveling, ... | |
| insurance company does not want to pay | 5/27/2009 |
| Q: WE HAVE A SMALL BUSINESS IN PA.TWO CARS FROM OUR DEALERSHIP INVENTORY WERE HIT DUE TO A COLLISION ON ... A: Every state (+ DC) has a contributory (Comparative) negligence law. This means that the two ... | |
| Left Turn Accident | 5/26/2009 |
| Q: So I was trying to make a left turn but a large taco truck was blocking my view. As I was turning my ... A: Yes, the highway patrolman has jurisdiction, otherwise he would have called a different department ... | |
| Auto insurance | 5/25/2009 |
| Q: The other night I was driving down a 2 lane road and the car in front of me, in the other lane, came ... A: If you carry collision coverage on your car, you can turn to your own insurance company to have the ... | |
| what should i do? | 5/24/2009 |
| Q: If I was hit by a car that was in pursuit of the cops head-on and neither one of us had bodily ... A: I am not knowledgeable regarding Canadian insurance or Canadian law except from what I learned ... | |
| Stolen car with no forced entry | 5/22/2009 |
| Q: My honda civic got stolen in Ontario two weeks ago. The police found it the same day stripped. The ... A: I am NOT an expert on Canadian Insurance, but I can't imagine that an auto policy would contain a ... | |
| Left Turn Accident | 5/21/2009 |
| Q: So I was trying to make a left turn but a large taco truck was blocking my view. As I was turning my ... A: I must assume that (a) you had a stop sign and traffic from your left did not, or (b)this was an ... | |
| totalout pickup | 5/21/2009 |
| Q: My ford ranger was totalout.I Have 9800 to pay on it. My ins will pay 7400 of it.How do I pay the ... A: It sounds like you were "upside down" on your loan. Several factors can cause this, such as you ... | |
| accident claim with Allstate | 5/21/2009 |
| Q: Hey Bennie, I got a call from Allstate yesterday. I didn't answer and they left a message. The ... A: It may be that you are only legally entitled to the amount of the small claims judgement. Since I'm ... | |
| Auto accident - our car rear-ended, other party with ICA claiming losses | 5/20/2009 |
| Q: Last September, an SUV merged into a main street behind my wife's car and rear-ended our BMW, in ... A: Since Nationwide lost in arbitration and had to repair your car under your own policy, this is ... | |
| small claims what next | 5/20/2009 |
| Q: he was cited by the highway patrol for incorrectly attaching his tow hitch. he works for a truck ... A: Your question isn't clear regarding the insurance company. Did you file a claim directly against ... | |
| 10 year old Claim fault assignment | 5/19/2009 |
| Q: In 1999, an authorized driver of my car was involved in a small accident. Authorities were called ... A: You stated that your friend was driving with your permission. This means that your insurance ... | |
| helping insurance costs | 5/19/2009 |
| Q: After a bitter divorce, and a losing battle with medical bills, my credit is trashed. Insurance ... A: Since your car is not used for commute, it doesn't mater which driver is listed as primary, but I ... | |
| 10 year old Claim fault assignment | 5/19/2009 |
| Q: In 1999, an authorized driver of my car was involved in a small accident. Authorities were called ... A: Check the date on the letter vs the postmark date. Perhaps this letter fell behind a filing cabinet ... | |
| helping insurance costs | 5/19/2009 |
| Q: After a bitter divorce, and a losing battle with medical bills, my credit is trashed. Insurance ... A: I know of no company that uses your credit rating in determining rates. As a matter of fact, I know ... | |
| accident claim with Allstate | 5/16/2009 |
| Q: Hey Bennie, I got a call from Allstate yesterday. I didn't answer and they left a message. The ... A: As I mentioned in one of my earlier answers, the judgement documents probably had Allstate's legal ... | |
| Hit and Run - Total Loss | 5/15/2009 |
| Q: I am a recent college grad living in the state of Wisconsin. At the end of March my vehicle was ... A: As I understand your question, your was totaled while parked and since you didn't have the identity ... | |
| damage to parked car | 5/15/2009 |
| Q: We live in DC and have GEICO car insurance. When we came out to the car (legally parked in the ... A: Since your car was hit while legally parked and unattended, this should be considered a non fault ... | |
| Need Insraunce 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: Since the insurance company is willing to pay $8,000 to total the car, they should be willing to pay ... | |
| auto insurance | 5/14/2009 |
| Q: I have tornado damage to both my vehicles. I have no lein holder. The insurance co has written a ... A: The legal wording of your policy spells out the obligations of the insurance company. Under the ... | |
| Property Damage | 5/14/2009 |
| Q: I own a corner house on an avenue. There is no stop light on the avenue at the intersection but ... A: You will need to file a claim against both insurance companies. As you describe the accident, both ... | |
| Coverage on auto policy | 5/14/2009 |
| Q: I was buying a truck from my mom, which she kept insurance on and I paid her. We put the truck in ... A: Among the companies that insure 85% of the vehicles, there is a clause in their policies stating ... | |
| faulty evasive vs vehicle entering intersection | 5/13/2009 |
| Q: I was involved in an accident where a vehicle #1 proceeded to enter in to the intersection after ... A: If you haven't already done so, you need to immediately report this accident to your insurance ... | |
| is small claim worth it? | 5/13/2009 |
| Q: I have a truck that has minor damage from a garage door to the front bumper. I've received two ... A: Depending on the insurance company rules and/or the state insurance law, it all depends on your ... | |
| Carjacking, need to move! | 5/11/2009 |
| Q: I was recently carjacked 5/3/09, along with my vehicle my purse with identification, credits cars, ... A: I'm, sorry to learn of all your problems and certainly understand your desire to relocate to a ... | |
| Personal Injury Claim | 5/11/2009 |
| Q: I was involved in a rear end collision in 09/08 in which I was not found to be at fault. I had to ... A: I'm sorry to learn of your injuries and the effect they are having on your plans. Unfortunately, ... | |
| What is OACM.CP.013 ? | 5/8/2009 |
| Q: What is OACM.CP.013 ? Insurance company is claiming that this is a Super Saver policy Thank you ... A: Based on my past experiences, OACM.CP.013 is the endorsement number that the insurance companies (in ... | |
| Second vehicle coverage | 5/8/2009 |
| Q: My question is about premiums rather than claims. I currently have an 18 y.o. pickup which I just ... A: When there are more cars than drivers, most insurance companies do give you a special discount on ... | |
| Subrogation Claims | 5/6/2009 |
| Q: I had an accident a year ago when a uninsured driver ran a red light and I struck his vechicle ... A: It's becoming quiet common for health insurance companies to insert a clause in their policy that ... | |
| auto accident settlement | 5/6/2009 |
| Q: I was involved in a car accident in early 2008. A car ran a red light and hit me on the drivers ... A: It appears that the Chiropractor just did some "feel good" massage without trying to determine the ... | |
| auto accident settlement | 5/5/2009 |
| Q: I was involved in a car accident in early 2008. A car ran a red light and hit me on the drivers ... A: You, and others with the same mindset of "SHOW ME THE MONEY" are one of the major reasons that ... | |
| Comprensive Claims | 5/5/2009 |
| Q: Do you know if state farm comprehensive claims, CA cover if I side swiped a pole, or is this ... A: Under any policy in California, if you sideswipe a pole, it is always considered a collision. If ... | |
| Obligated to repair | 5/4/2009 |
| Q: My car was struck while parked in front of my house. It suffered only minor damage, and I have had ... A: There are two ways to handle the settlement of this claim. (1) You can file through your own ... | |
| Parking lot accident with damage | 5/1/2009 |
| Q: I read your 3/1/09 regarding comparative negligence and I believe my insurance company is doing this ... A: I'll do my best to provide you an answer, but the question and answer of 03/01/09 was not one of ... | |
| 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: It appears that you will be presenting your case to the judge and the attorney for the insurance ... | |
| 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: It appears that the only option left is to file small claims court action against the other driver. ... | |
| General liability question | 4/29/2009 |
| Q: This is a debate between me and wife (instant trouble here). I have always been under this belief: ... A: I wish that I could answer your question in a funny but accurate manner. Unfortunately, I just ... | |
| auto related liability | 4/29/2009 |
| Q: If the owner of a car is knowingly allowing an unlicensed driver to drive their car, with the ... A: The majority (if not all) (I haven't read them all since there are over 400 companies doing business ... | |
| auto accidents claims | 4/29/2009 |
| Q: I was just reading your response to someone else's questions. I am in a situation were my attorney ... A: Of course Victoria Insurance does not want to pay! They had much rather keep the money in their ... | |
| Personal Injury claimss | 4/28/2009 |
| Q: I live in California. My car was rear-ended about 1 1/2 year ago and was I hospitalized for 11 days ... A: I think that you should contact a different personal injury attorney and arrange for a consultation. ... | |
| credibility? | 4/28/2009 |
| Q: I Rear-ended someone 2 years ago and now he is trying to sue me for bodily injuries. How is this ... A: Every state has a statue of limitations. This is the time frame within which a party must fully ... | |
| Business Loss of Use (Car Rental) | 4/27/2009 |
| Q: Bennie, Last summer I rented a car from a local rental car company while traveling in Iowa to see ... A: Since you are a former adjuster, you are quiet familiar with the legal wording of policies and ... | |
| auto insurance claim after small claims | 4/25/2009 |
| Q: On June 9, 2008, I was rear ended on the freeway. Myself and the other party are both insured by ... A: Please send as many follow ups as you feel necessary. After about 3, you will have to re-name the ... | |
| Car Accident | 4/24/2009 |
| Q: A close friend of mine was in a car accident a few days ago and basically what happen was she was ... A: Unfortunately, bad things happen to good people. If the owner of the car has any assets, she could ... | |
| auto insurance claim after small claims | 4/24/2009 |
| Q: On June 9, 2008, I was rear ended on the freeway. Myself and the other party are both insured by ... A: What a can of worms. Under California law, the fact that you won by default due to a 'no show' by ... | |
| pain and suffering | 4/23/2009 |
| Q: Last Oct. my 87 yr. old mother was a passenger in a motor vehicle accident in Traverse City, MI. ... A: The statue of limitations in Michigan on an injury claim is 3 years. This means that the claim must ... | |
| 3 car chain collision | 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: It will take your insurance company an extended period of time to fully investigate the accident to ... | |
| claim with a tow truck company | 4/22/2009 |
| Q: I have a numbers matching classic 1968 SS Camaro that is being completely restored. Once this car ... A: There is a strong possibility that the adjustor will be a lot easier to work with than you are ... | |
| At fault, out of pocket settlement advice | 4/22/2009 |
| Q: Last weekend, while trying to parallel-park my car in a really narrow one-way street with cars ... A: Yes, you definitely need a release signed. It should read somewhat like the following: RELEASE ... | |
| Wind damage to roof | 4/22/2009 |
| Q: I found shingles from my roof on the ground. I noticed my neighbor getting a new roof. Her's was ... A: Depending on which form # Homeowners policy that you carry, It is possible that you may have to pay ... | |
| stolen from auto shop | 4/21/2009 |
| Q: I took my truck to a auto shop where it was getting worked on. Over the night someone broke into the ... A: If you carry comprehensive coverage on your truck, the best way to handle this is to make a report ... | |
| what happens next? | 4/20/2009 |
| Q: Someone stole my front bumper while i was in the mall. Literally the entire front bumper is gone ... A: Sounds like someone stole it to re-sale or to replace their own bumper. Your insurance company ... | |
| QUESTION HOME INS. | 4/19/2009 |
| Q: Bennie Hi, is there anyway to find out what someone else has for a home owners insurance company. ... A: Every state functions under and is controlled by the insurance laws of that state. For this reason, ... | |
| adjuster delaying settlement | 4/15/2009 |
| Q: i was struck by a drunk driver in january 2008. the impact totaled my vehicle and caused injuries ... A: There is not enough information regarding your specific injuries and the costs of each treatment for ... | |
| I dont have insurance | 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: Yes, I'm sure that you are ask questions about your own insurance. Just keep in mind to provide ... | |
| I dont have insurance | 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: Since you were uninsured, you can anticipate some problems from your state Motor Vehicle Department ... | |
| 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: I'm sure that there are many minor and major differences between Canadian Insurance and U.S. ... | |
| Obligated to repair? | 4/8/2009 |
| Q: A friend of mine was in an accident. His vehicle received minor damage, and he's received payment ... A: Once the adverse insurance has issued a check for the damages and had your friend sign a release of ... | |
| motorcycle accident | 4/7/2009 |
| Q: another vehicle was at fault his insurance company has accepted liability, they decaled my bike ... A: First of all, what do you want? The insurance company is making it very clear that if you give back ... | |
| liability | 4/7/2009 |
| Q: I am thinking of putting a car in my 18 year old son's name and purchasing liability insurance for ... A: Good idea. Since your son is now considered an adult, you are no longer responsible for his actions ... | |
| Backing Up | 4/7/2009 |
| Q: I was backing out of a parking stall, and once I was all of the way clear with my front wheels, a ... A: I'm afraid that I can't offer you much assistance. State and insurance laws put the burden on the ... | |
| someone injured during firework accident | 4/5/2009 |
| Q: Last 4th of July, our daughter and some of her neighbors were setting off fireworks in her driveway. ... A: I'm sorry to learn of the loss of eyesight to the young girl. It's saddening for this type of loss ... | |
| accident | 4/4/2009 |
| Q: traveling down highway pulling a trailer with 2 yards of gravel when someone ran a stop sign and ... A: When you are towing the utility trailer your State Farm policy provides you with free liability ... | |
| considering a purchase of a salvage title vehicle | 4/4/2009 |
| Q: we have found a great 2007 Toyota Prius that we would like to purchase. It has a salvage title. We ... A: In my opinion, the purchase of a car with a salvage title or as commonly referred to in the industry ... | |
| auto coverage | 4/3/2009 |
| Q: I recently contacted my agent and told them that i was going to change companies and wanted to make ... A: Like you, I find this highly unusual. In all the states that I am thoroughly familiar with, when ... | |
| insurance coverage | 4/3/2009 |
| Q: My son is going to take his behind the wheel test May 1st. The car he is going to use does not cover ... A: The insurance policy will cover your son for free while he takes his driving test. You will need to ... | |
| can i claim from 3rd party | 4/2/2009 |
| Q: my car was parked outside home , i changed insurance over to a new car i just bought, when my ... A: I am not familiar with the UK insurance laws. I suggest that you call your current agent and ... | |
| i have no insurance!!!!!!!!!! | 1/23/2009 |
| Q: i was in a car accident today at about 3:00 pm. i was driving down the hwy and there was a woman ... A: **************************** FOLLOW UP ******************************* Hi Partick, No, you can't by ... | |
| insurance claim | 1/22/2009 |
| Q: I was involved in a motor vehicle accident. The hospital billed my health insurance company which ... A: It's certainly worth while to try. As I see it, the hospital had no legal right to reverse a payment ... | |
| car accident | 1/21/2009 |
| Q: another car was driving on my left we were both going northbound on the street all of a sudden he ... A: I'm sorry to learn of your problems. There must have been some confusion when you spoke with the ... | |
| car rental reimbursement re auto settlement | 1/21/2009 |
| Q: If you do not accept a property damage settlement offer for a totaled auto (which is not replacement ... A: As I understand your follow up question, the at fault insurance company is telling you that if you ... | |
| car rental reimbursement re auto settlement | 1/21/2009 |
| Q: If you do not accept a property damage settlement offer for a totaled auto (which is not replacement ... A: Once the at fault insurance company makes you an offer for the amount that they have established ... | |
| Pedestrian Hit by Car | 1/20/2009 |
| Q: I was hit by a car during my lunch break on 9/5/08. It happened on hospital property and I was hit ... A: Your employer bears no responsibility for this accident just because it happened on their property ... | |
| Pedestrian Hit by Car | 1/20/2009 |
| Q: I was hit by a car during my lunch break on 9/5/08. It happened on hospital property and I was hit ... A: Bodily Injury limits of $100K/300K on the drivers policy means that the maximum amount they will pay ... | |
| Accident with uninsured driver | 1/20/2009 |
| Q: My sister was in an accident that was determined by the police to be her fault. (She made a left ... A: There are laws on the books that will deal with the other party for driving on a suspended license. ... | |
| insurance claim | 1/19/2009 |
| Q: I am a truck driver and used to park my car outside the yard whenever i pick up my truck. two ... A: Your policy does give the insurance company the right to conduct an investigation when they feel ... | |
| time limit on filling claim | 1/18/2009 |
| Q: I'm a truck driver that was delivering freight to a car dealer ship while exiting the property ... A: The fact that you made a delayed report will have no bearing on it being paid by the insurance ... | |
| Leased Vehicle determined total loss | 1/16/2009 |
| Q: My vehicle was involved in an accident & was determined to be a total loss. I had GAP Insurance and ... A: When your insurance company called your lender for a pay-off amount, they were given an exact amount ... | |
| Auto Accident Resulting in Broken Femur | 1/16/2009 |
| Q: My boyfriend and I were involved in an accident on December 10, 2008 in Kentucky; we were driving my ... A: I would have to read the state insurance code and a policy to give you a firm answer on that. It is ... | |
| Appeal for SDIP surcharge points | 1/15/2009 |
| Q: I have a Massachusetts (MA) license. I recently had an accident in Illinois (IL). It was a 5 car ... A: Every state has a law that states you must drive your car in such a manner as to be able to bring it ... | |
| Auto Accident Resulting in Broken Femur | 1/15/2009 |
| Q: My boyfriend and I were involved in an accident on December 10, 2008 in Kentucky; we were driving my ... A: I'm sorry to learn of the serious injuries in the accident and wish each of you a full recovery. ... | |
| liability percentange | 1/14/2009 |
| Q: I recently was in a car accident, and currently my insurance is working out who was at fault. I was ... A: If the decision is made that you were 20% at fault and the other party was 80% at fault, it simply ... | |
| SDIP surcharge appeal | 1/14/2009 |
| Q: My car recently skidded in snow on a heavy snow day while driving on express way. The speed at the ... A: If your insurance company plans to add a surcharge to your policy due to the accident, it will not ... | |
| My Parked Car Hit | 1/14/2009 |
| Q: My parked car was hit and because I do not have collision coverage (because my car is 12 years old) ... A: First of all, you need to get your car out of storage immediately. Many storage facilities charge ... | |
| accident without car insurance | 1/13/2009 |
| Q: My son age 22 lives in Toledo, Oh which my wife let him drive her car which the loaning company had ... A: I see no reason that your son would need to go back to court unless he got a separate ticket for no ... | |
| accident without car insurance | 1/13/2009 |
| Q: My son age 22 lives in Toledo, Oh which my wife let him drive her car which the loaning company had ... A: I'm sorry to learn of your problems. Since your son was considered at fault, both him and the ... | |
| auto insurance - liability | 1/12/2009 |
| Q: I was driving my friend's car, with his permission. He has a comprehensive coverage for his vehicle ... A: If your friend has liability insurance on the car, then that policy pays, otherwise your own policy ... | |
| claim check | 1/9/2009 |
| Q: I filed a claim after a tree landed on my car from a wind strorm, have had estimates done, and the ... A: If the check is coming from the insurance company of the person who owned the tree, you can expect ... | |
| Who's at fault? | 1/9/2009 |
| Q: My 16 year old son was involved in a 4 vehicle accident. The 1st SUV abruptly stopped to turn left ... A: I agree with you that the circumstances of the accident and the statement of driver #2 are certainly ... | |
| Report an accident | 1/8/2009 |
| Q: A friend of mine was invovled in a car accident. Both cars were equally at fault. She was on the ... A: Your friend should IMMEDIATELY report this accident to her company. Under the legal terms of the ... | |
| Policy Limits | 1/8/2009 |
| Q: My son was involved in a four car accident. One of the cars he hit has an attorney and that ... A: Yes, you should allow your insurance company to release the amount of your policy limits to the ... | |
| Policy Limits | 1/8/2009 |
| Q: My son was involved in a four car accident. One of the cars he hit has an attorney and that ... A: No, this is not something that you willing turn over to the adverse attorney. The attorney does have ... | |
| I bumped a park car. No damage! | 1/7/2009 |
| Q: At the elementary school I backed into a park car on the street. There was no damage to my vehicle ... A: For your own protection and to avoid a possible citation for hit and run, you should always leave a ... | |
| suspended license and car insurance | 1/7/2009 |
| Q: My question is this, if a person's license has been suspended and is driving anyway and they get ... A: This situation is not properly addressed by the legal wording of the policy. I have a friend in the ... | |
| insurance fraud | 1/7/2009 |
| Q: how much time would a first offender receive for filing a false insurance claim A: States put different prioritys on enforcing the laws on their books, many times depending on the ... | |
| insurance claims | 1/5/2009 |
| Q: I am in need of help. I am dealing with AAA auto club. The insurance adjuster totaled out my car, ... A: Every insurance policy in your state is written and administered under the insurance laws governing ... | |
| DUI w/no insurance | 1/5/2009 |
| Q: I wrecked my car after being run off the road by some car that drove away after hitting me. I called ... A: Since there is no identified 3rd party from which to recover and you can't recover from your own ... | |
| insurance claims | 1/4/2009 |
| Q: I am in need of help. I am dealing with AAA auto club. The insurance adjuster totaled out my car, ... A: By law, the insurance company only owes you the fair market value of your vehicle. The fact that ... | |
| Coverage for a borrowed vehicle driver | 1/4/2009 |
| Q: I live in NJ and would like to ask a generic question. Is it ok to have separate car insurance ... A: Yes, it's OK to keep the cars on separate policies but there is quiet a savings by putting them on ... | |
| After the Crash | 1/2/2009 |
| Q: My car was involved in a hit and run while it was parked in my driveway. The impact was so large ... A: Since you state that the accident was a "hit and run", then you will be turning to your own ... | |
| reporting fender bender | 12/31/2008 |
| Q: I couldn't find a similar response among your many responses. Two weeks ago I backed into a 1995 ... A: **** FOLLOW UP ***** I just took a look at the answer as you will see it and noticed that the sample ... | |
| false statement | 12/30/2008 |
| Q: after just recieving a letter from my insurers about a third party saying it was my car that hit ... A: I agree that this is a situation that needs to be rectified immediately before the 3rd party files a ... | |
| Center turn lane Traffic Accident-L.A./CA | 12/29/2008 |
| Q: My wife (Car A) was driving west on Ventura Blvd. toward Beverly Glen. She legally went into the ... A: No, AAA nor any other insurance company every makes a police report for you. At this point in time ... | |
| Center turn lane Traffic Accident-L.A./CA | 12/27/2008 |
| Q: My wife (Car A) was driving west on Ventura Blvd. toward Beverly Glen. She legally went into the ... A: We are both aware that the type of maneuver made by car B, even though illegal, is quiet common in ... | |
| Hit on Passenger rear bumper | 12/25/2008 |
| Q: I was recently hit on the passenger rear bumper where it goes from 3 lanes to 2 lanes with the left ... A: State laws require that you be 100% in the lane in order to have "legal control" of that lane. Based ... | |
| judgement | 12/24/2008 |
| Q: 00 The court house stated it was only 3000.00 can they do that? I'm upset as it is that I have to ... A: It's your responsibility to keep your address current with the post office and your state department ... | |
| What a mess | 12/23/2008 |
| Q: I was involved in a MVA back on 11/1/2004 in Cincinnati OH. This is in court. This was a major ... A: I'm sorry to learn of your situation and wish to thank you for such a well written and definitive ... | |
| t-bone accident | 12/21/2008 |
| Q: My son was driving down the street and an old man pulled out of a parking lot and he hit the man. My ... A: If the posted speed limit was 35 MPH or greater, the person pulling out of the parking lot will be ... | |
| total loss | 12/20/2008 |
| Q: My 2006 f150 was stolen then recovered burned, my insurance totaled the vehicle,,, my questions is ... A: In a situation like this, it all depends on the legal wording of your policy. All policies cover ... | |
| Auto Accident Lawsuit | 12/19/2008 |
| Q: October 2007 my daughter let a friend drive my car without my knowledge or permission. I knew the ... A: I'm sorry to learn of your situation and am sure that it is placing a lot of stress on you. Once you ... | |
| stolen car | 12/18/2008 |
| Q: HOW IS THE VALUE OF A STOLEN CAR DETERMINED? IS IT ON TRADE IN VALUE OR RETAIL VALUE? A: Claims such as this are settled on a FAIR MARKET VALUE basis. This means that your insurance company ... | |
| Auto accident claim rejected by other party | 12/16/2008 |
| Q: I recently got into an accident while changing lane & other party hit my car on front passenger ... A: Based on your statement, it is my opinion that each driver was guilty of making a lane change ... | |
| FLIPPED TRUCK | 12/15/2008 |
| Q: TRUCK IS TOTALLED WILL I ONLY GET BOOK VALUE TRUCK WAS PAID FOR AND I AM OUT MY TRUCK ITS NOT FAIR ... A: I'm sorry tto hear of your misfortune. Since the truck flipped twice and landed upside down, the ... | |
| Diminished Value | 12/13/2008 |
| Q: we have submitted a 3rd party claim to GWC. we are in the state of california. The adjuster handling ... A: Although every insurance company in California will initially tell you no, you are entitled to ... | |
| uninsured motorists coverage | 12/6/2008 |
| Q: I was in an accident on April 1st 2008. I was hit by an uninsured motorists who fled the scene after ... A: Based on the wording of your question, it appears that the maximum settlement that you will be able ... | |
| Accident | 12/5/2008 |
| Q: MyI was in a auto accident some time ago where my car was stationary in a outdoor parking lot ... A: If the dealer carries insurance on the loaner, then that would be the primary. Many dealers don't ... | |
| Auto Claim / Supplimental Claim | 12/4/2008 |
| Q: I was involved in an auto accident where my new 07 vehicle was rear-ended (other parties fault). ... A: Everything sounds legitimate. The adverse insurance company needs to inspect and photo the ... | |
| T-Boned in a parking lot | 12/3/2008 |
| Q: My wife was leaving a retail store parking lot, driving straight down the lane to the road, and ... A: Parking lot accidents are one of the most difficult types of claims to settle, primarily due to the ... | |
| Backed Into A Parked Car | 9/15/2008 |
| Q: Bernie, I backed into a parked car in a parking garage earlier tonight and smashed my left tail ... A: I first suggest that you make an "off-the-record" phone call to your AGENT. In many states, if the ... | |
| statement of claim | 9/13/2008 |
| Q: I was injured in a car accident. the other side does not want to admit fault,even though they were ... A: You state that the other party was given a citation but it was "desolved". I am assuming that the ... | |
| Tyres Bald? | 9/12/2008 |
| Q: Insurance company is stuffing me about a bit asking for service reports and toher things of such, ... A: I'm sorry to learn of your problem. Here in California, that would not be a legal reason to deny ... | |
| Police Report A Factor In Determining Fault? | 9/11/2008 |
| Q: I have liability coverage with 21st Century. I was sick; asked my cousin to use my car to run ... A: In over half of the accidents, it is possible for the insurance to make a determination of fault ... | |
| claims | 9/8/2008 |
| Q: If I have insurance on my auto and I have an accident with another person who is not currently ... A: The answer to your question depends on several factors. First, the other party must be identified ... | |
| New truck wrecked | 9/7/2008 |
| Q: I dropped my new Ford F250 off at a custom outfitter to have a bed liner installed. The truck is 14 ... A: If the dollar damage done to your new truck equals 75%-80% of it's fair market value, it will ... | |
| Student over 150 Miles, insurance company offers waiver of exclusion | 9/6/2008 |
| Q: My son is at college, more than 150 miles away. AIG/21st century is indicating we need to sign an ... A: Since I am a licensed Broker in California, that means that the majority of my knowledge is ... | |
| is she covered | 9/4/2008 |
| Q: Can my 17 year old sister drive my vehicle from home to school and be covered. we have full ... A: You need to contact your insurance company and add your sister as a driver. Also let them know that ... | |
| insurance claim | 9/3/2008 |
| Q: I had hit a median in an underground parking due to bad lighting and my car took a sort of a leap ... A: This would be considered a fault 'collision' accident against your record and your collision ... | |
| insurance claim | 9/2/2008 |
| Q: I had a loaner car while my car was being serviced. It was providied by Enterprise, and I declined ... A: Most companies consider a fault accident that involves between $500 and $750 to be a "chargeable" ... | |
| buying a car | 8/31/2008 |
| Q: i am about to buy a car from a dealer and on the title it is written rebuilt salvage, is there a ... A: DON'T DO IT. A SALVAGE VEHICLE IS ONE THAT HAS BEEN CONSIDERED A TOTAL LOSS AND IS SETTING IN A ... | |
| Car Insurance Policy | 8/28/2008 |
| Q: my boyfriend and I were driving when we were involved in a 6 car pile up, anyway, because of that ... A: I have noticed over the past several years that insurance companies are adding drivers to the policy ... | |
| A big tire in the left most lane on the Highway 87 | 8/27/2008 |
| Q: On Aug 26, I was driving on Highway 87 north. The traffic was flowing at the speed limit ( ... A: Anytime that you hit an object laying on the roadway, it is considered a collision, you are ... | |
| car accident | 8/26/2008 |
| Q: I let my insurance expire due to some financial issues and planning to get a new policy on Friday. ... A: Most insurance companies will allow you to enter into a settlement agreement and make reasonable ... | |
| Liability of insurance company on a newly purchased car involved in an accident | 8/23/2008 |
| Q: Yesterday I purchased a used car from an auto dealership and called my insurance company to have the ... A: I'm sorry to learn of your predicament. Your husband may be 100% correct in his feelings that the ... | |
| Totaled vs 65% | 8/21/2008 |
| Q: My son was recently hit when someone turned in front of him. Now his SUV is at a car dealership and ... A: I'm sorry to learn of your son's vehicle damage. The adverse driver/insurance company is only ... | |
| Inadvertently purchased stolen vehicle | 7/20/2008 |
| Q: On Jan 11th I inadvertently purchased a 2007 Cadillac Escalade which I partially financed through my ... A: I'm sorry to learn of your predicament. I have dealt with several situations like yours involving ... | |
| Auot Insurance | 7/17/2008 |
| Q: My car was in an accident and had about $7000 in damage. The car was repaired by the shop; all ... A: This sounds like a situation where you need the help of your state department of insurance. Simply ... | |
| automatic auto coverage | 7/15/2008 |
| Q: I was rear ended by a driver who had purchased his car the day before the accident, July 3 and ... A: Insurance polices vary in their finer points from state to state. I would have to read the other ... | |
| insurance adjuster | 7/15/2008 |
| Q: I was sitting still to make a left into my driveway on a 2 lane highway when a truck hit me going ... A: This first letter should be for property damages only and for an amount that each of you have agreed ... | |
| Reaching a Settlement | 7/14/2008 |
| Q: After a recent Auto accident with personal injury, and time lost from work, I am about to meet with ... A: Settling a personal injury claim is an adverse position between yourself and the adjustor. You ... | |
| Death by vehicle | 7/13/2008 |
| Q: One week ago, my brother was hit and killed by pickup on the highway. How should I proceed in making ... A: I'm sorry to learn of your loss and send my deepest sympathies. I think that you should at least ... | |
| Total Loss and Diminished Value | 7/12/2008 |
| Q: I have a 2008 Mazda M3 that I bought in Jan 08. It was involved in an auto accident Jul 08 and the ... A: Since you live in Georgia and have a Georgia insurance policy, you will be able to collect ... | |
| replace frame 2007 chev | 7/12/2008 |
| Q: I was in an accident. Other uninsured driver ran red light and hit the front of my 2007 silverado ... A: I think there might be a slight misunderstanding. I have never heard of a body shop replacing a ... | |
| Claim help | 5/28/2008 |
| Q: I have scanned alot of your answers but did not fully answer my situation(s). I hit a driver from ... A: The major things that are going through your own company right now are the repairs to your car and ... | |
| Rental car accident | 5/28/2008 |
| Q: My question involves insurance law for the state of: Tennessee My friend rented a car (when he ... A: If you had talked to an attorney prior to entering the settlement agreemant, he might have gotten ... | |
| Insurance company playing games? | 5/27/2008 |
| Q: I was in an auto accident in Jan. The driver admitted that he didn't see me, and just came in to my ... A: There's no doubt that you are being given the 'run around'. In my opinion, your first step is to ... | |
| daughters car | 5/26/2008 |
| Q: my just bought a car and put it in her name and she was on our policy,so we just added the new car. ... A: You can not insure a car on your policy that you do not own. You need to immediately talk to your ... | |
| Liability Dispute Case | 5/25/2008 |
| Q: I was involved in a minor property damage car accident in April 08. After all necessary ... A: This new information changes almost everything that I have said so far about your claim. It appears ... | |
| Liability Dispute Case | 5/25/2008 |
| Q: I was involved in a minor property damage car accident in April 08. After all necessary ... A: As I understand your question, your insurance company initially determined the other party to be ... | |
| Finance Company and hail damage | 5/25/2008 |
| Q: Recently received hail damage to a used vechile I just purchased.I haven't made my first loan ... A: After you have gotten the estimate from the shop that you are going to use, show them the check and ... | |
| no insurance no registration AZ accident | 5/24/2008 |
| Q: my sister in law was in car accident in Phoenix, AZ yesterday with minor injuries to the other ... A: It's not the state laws that would determine if there is a grace period on an insurance policy, it's ... | |
| Auto Insurance Claims | 5/24/2008 |
| Q: I am a care giver to an elderly woman who needs to be driven around. Got into a car accident as a ... A: The fact that the butler had a suspended license has no bearing on your ability to collect for ... | |
| Finance Company and hail damage | 5/23/2008 |
| Q: Recently received hail damage to a used vechile I just purchased.I haven't made my first loan ... A: It is normal that the check be made jointly to you and the lender when the damaged car is being ... | |
| Disputed fault and same ins co | 5/23/2008 |
| Q: I guess my question boils down to diligence by the ins co. I was in an accident turning into a ... A: Until proven otherwise, the insurance company is bound to accept the statement of each driver as ... | |
| How can I be sure all coverage was disclosed? | 5/23/2008 |
| Q: My daughter was killed in a car accident, she was a passenger that rolled 7 times. The policy ... A: I'm sorry to learn of your loss and send my deepest sympathies. I am assuming that an insurance ... | |
| Work Comp? | 5/22/2008 |
| Q: Was recently hit, STATE FARM paid for everything to fix on my car (the other guy's fault). Had to ... A: Yes, you should be reimbursed for your lost wages, but the odds of that happening are slim. If you ... | |
| Insurance call due to hit & run attended | 5/22/2008 |
| Q: I was turning left and a girl in the lane on my right turned also and our bumpers tapped I thought. ... A: I wouldn't be worried about a 'hit & run charge' since neither of you stopped and each went your ... | |
| Claims | 5/21/2008 |
| Q: Is the value of the totalled car can be included in the economic loss for injury claim, multiplied ... A: The insurance company is certainly being unfair in this situation. It's not unusual, especially with ... | |
| Claims | 5/21/2008 |
| Q: Is the value of the totalled car can be included in the economic loss for injury claim, multiplied ... A: You are dealing with two separate claims. The car damage is a property damage loss and when it is ... | |
| Side collision-airbags damaged | 5/20/2008 |
| Q: Bennie, I was involved in an accident recently when I was making a left turn and a speeding vehicle ... A: Sorry to learn of your accident, glad to see that there were no serious injuries. Perhaps the ... | |
| Auto Accident Hospital visit | 5/20/2008 |
| Q: I got into a acccident on April 19,2008 and I did not see a doctor untill May 9, 2008 for a ... A: This 20 day delay in seeking treatment should present no problem with your claim. Many people wait ... | |
| Insurance/Asset Declaration | 5/19/2008 |
| Q: I was involved in a rear end accident on June 24, 2006, and I am at least 51% at fault. This ... A: Your signing the asset declaration presents no problem because you were honest about your assets. ... | |
| side crash | 5/19/2008 |
| Q: I hope you can help. I have just been involved in a car crash an would like an idea of how the ... A: Based on the wording of your question, it appears that each of you were rushing to the same location ... | |
| auto insurance claim adjusters | 5/18/2008 |
| Q: I was in an auto accident 9/29/07. I was hit from behind and there was $2000 worth of damage on my ... A: As I see it, the key to your problem has arisen from the facts surrounding your statement in the ... | |
| Insurance ignoring me | 5/17/2008 |
| Q: A few months ago, another car hit my car as it was changing lanes. As I do not have collision ... A: In New York State, an attorney is allowed in small claims court at all times. This means that the ... | |
| Insurance ignoring me | 5/17/2008 |
| Q: A few months ago, another car hit my car as it was changing lanes. As I do not have collision ... A: Your small claims suit will be against the driver, not the insurance company. When you win, his ... | |
| Claim Settlement !! | 5/16/2008 |
| Q: I was rear ended by the company mini-truck nearly a year ago. The truck driver was at fault. Cops ... A: The statue of limitations in Wisconsin is two years from the date of the accident. It's a favorite ... | |
| Claim for Out of State Hail Damage | 5/16/2008 |
| Q: My car was just pummeled by a crazy hail storm in Texas where I attend college and have lived for ... A: Irregardless of how you consider your resident status, the state of Texas considers you a legal ... | |
| Recent judgement | 5/15/2008 |
| Q: In 2004 I was with company A and involved in an accident while backing out of a parking space with a ... A: The accident should have no affect on your present rate. It is normal that only tickets and fault ... | |
| auto accidnet claim | 5/15/2008 |
| Q: I was rearended 5/2/07 on the highway and that impact sent me into the car infront of me. I was ... A: The settlement offer is in line with similar offers made when all treatment has been by a ... | |
| Is it possible that I might have coverage? | 5/15/2008 |
| Q: We have had insurance with Allstate since 2003 insuring 3 vehicles and only my husband and I drive. ... A: I'm sorry, but I see no way that this particular loss can be covered. The insurance first follows ... | |
| Not at fault accident | 5/14/2008 |
| Q: I recently found out that my insurance paid out money to the other person involved in the accident. ... A: You can talk to a claims supervisor and have him change the code on the accident to "paid at the ... | |
| a car accident | 5/14/2008 |
| Q: My daughter involved a car accident almost two months ago. A bus hit my daughter's car from behind ... A: In cases of a minor accident, the police usually take a sketchy report at the scene and then 'flesh' ... | |
| Accident settlement | 5/14/2008 |
| Q: rear-ended May 2007, other driver cited. Medical bills over 10K, 77 trips to chiropractor in 7 ... A: Underinsured motorists only comes in play when the adverse company has made you an offer of their ... | |
| This has gone on too long! | 5/14/2008 |
| Q: I was driving on a main road in SC talking on my cell to a friend to get directions to his house (I ... A: There are not any statewide laws against talking on a cell phone in a car in South Carolina, ... | |
| damage by a bicycle | 5/14/2008 |
| Q: I am really confuse here on my situation. I got hit by a bicycle today and had a long scratch on my ... A: This is a case where I have to disagree with the police officer. The parked driver that opened his ... | |
| Bent frame on an 04 chevy ext. cab | 5/14/2008 |
| Q: cab. my friend drove the truck into a light pole it was a front end collision. this was bout 3 years ... A: First of all, I'm at a total loss trying to understand how your friends insurance got involved. The ... | |
| Am I at fault? | 5/13/2008 |
| Q: A few months ago when I was driving to work on a busy, bumper-to-bumper highway, I accidentally ... A: Every state has a law stating that you must drive in such a manner as to be able to stop no matter ... | |
| our dog hit | 5/13/2008 |
| Q: Our dog escaped our fence (he chewed through it) and was hit by a car on US Highway 40 (National ... A: ************************* FOLLOW UP ********************************* Hi M, I'm sorry that I wasn't ... | |
| Accused of Hit & Run | 5/13/2008 |
| Q: .A friend borrowed my vehicle when I was at work one day. Two weeks later I received a letter in the ... A: Bummer. Since you can prove your whereabouts at the alleged time of the accident, you will not be ... | |
| Parking lot accident | 5/13/2008 |
| Q: I was hit by a backing up nissan pathfinder today at a mall's parking lot. This is what happened. I ... A: Parking lot accidents are among the most difficult to settle because there are usually no witnesses ... | |
| accident | 5/12/2008 |
| Q: i rear ended a car there was no body damage to the car I hit but the bumper has scratches and paint ... A: As you describe the accident, you are responsible for the front and rear damages of the car that you ... | |
| bad faith? | 5/12/2008 |
| Q: my name is Andrea. our family were involved in a car accident last year (june 2007). me, my husband, ... A: You present the case as one claim, one demand and one offer. There are really 4 separate claims with ... | |
| Total Loss?.... or Truck Theft? | 5/11/2008 |
| Q: I was towing a utility trailer with my 1991 Nissan Pathfinder last Friday and slowing to make a left ... A: No, the fact that you allow the adverse company to pay the tow & storage bills does not obligate you ... | |
| Accident liability | 5/11/2008 |
| Q: Had a MVA today and can't figure out who's legally at fault (in MA). Traveling on a 3 lane highway.. ... A: I am extremely familiar with that type on/off ramp common lane and can mentaly picture every one ... | |
| Car accident | 5/10/2008 |
| Q: I was involved in an accident. I was driving on the main road with the right of way. I may or may ... A: If you admit to speeding, then a small percentage (10%-20%) of the fault will be assigned to you on ... | |
| They want to total my car | 5/10/2008 |
| Q: I was involved in an accident a few days ago. The other person has accepted liability and her ... A: Based on my 47 years of experience in the insurance industry, I see no reason why another repair ... | |
| Total Loss?.... or Truck Theft? | 5/10/2008 |
| Q: I was towing a utility trailer with my 1991 Nissan Pathfinder last Friday and slowing to make a left ... A: In order to save the car without going through the 'salvage' vehicle route, you are either going to ... | |
| Total Loss?.... or Truck Theft? | 5/10/2008 |
| Q: I was towing a utility trailer with my 1991 Nissan Pathfinder last Friday and slowing to make a left ... A: You do have the legal right to cash settle on the pathfinder AND retain salvage. A settlement on ... | |
| They want to total my car | 5/10/2008 |
| Q: I was involved in an accident a few days ago. The other person has accepted liability and her ... A: If you carry collision on your car, you should immediately report this to your own company and have ... | |
| Hit from behind, 3 car rear ender | 5/9/2008 |
| Q: I was taking my 6yo daughter to school. We are at a complete stop when we were hit from behind... a ... A: It is normal that you felt two impacts. Since you were hit first by the Corolla, that impact would ... | |
| car totaled, my fault, full coverage | 5/8/2008 |
| Q: will my insurance pay for my car, my car got out of control, rainy weather, truck hit - 2 occupants, ... A: Since you carry full coverage, your insurance company will pay the full amount to repair your ... | |
| accidental death | 5/8/2008 |
| Q: My Dad was hit by a car on March 27, 2008 and they are trying to give me 5,000 death 5,000 medical ... A: I'm sorry to learn of the death of your father and send my deepest condolences. I strongly ... | |
| auto fire (value of van) | 5/8/2008 |
| Q: I had bought 03 caravan from a dealership in nova scotia 7 months ago through scotia bank they gave ... A: You are entitled to receive the fair market value (FMV) for your vehicle. You need to immediately ... | |
| Hit and Run | 5/8/2008 |
| Q: I was hit recently and they say the cars not totaled, but there is a lot of damage. The value of the ... A: Since the car is repairable, you have no choice but let the insurance company do the repairs ... | |
| Liability questions | 5/7/2008 |
| Q: My sister in law was involved in a MVA approx. 1 year ago. She and her friend were rear ended. The ... A: Since your sister-in-law is having problems dealing with her attorney, she may decide to fire ... | |
| Car Accident Soft Tissue Injuries | 5/7/2008 |
| Q: my name is David, I’m 19 and I was in a car accident on May 18th, 2007. I was going through an ... A: The statue of limitations in Arizona for settling a personal injury case without having to go ... | |
| I got rear ended in MVA 100% their fault | 5/7/2008 |
| Q: settled on damage to auto directly w/ their adjuster who is also handeling bodily claim,minor lower ... A: ************************** FOLLOW UP ******************************* Hi Ken, The statue of ... | |
| how long can a person wait to sue you before it is too late. | 5/6/2008 |
| Q: My wife and I was driving over the bridge in West Memphis, Arkansas coming back to Memphis when the ... A: As I understand your question, you are not being sued at this point in time, the insurance company ... | |
| Insurance company denys auto claim | 5/6/2008 |
| Q: I was involved in an auto "accident" where I was turning from the main road onto a side road. I was ... A: I'm sorry to learn of your predicament. There are two types of negligence laws governing accidents ... | |
| Not at fault accident, auto insurance company saying at fault | 5/6/2008 |
| Q: I am a resident of the State of Illinois. I was involved in a not at fault accident in March 2007. I ... A: Your insurance company will only consider an accident as being non-fault in cases where there is an ... | |
| Hit From Behind | 5/6/2008 |
| Q: My wife was recently in an auto accident. She was turning into the right lane, and got hit from ... A: This site is not a 'blog' where anyone with a computer can decide to be an expert and answer your ... | |
| Hit From Behind | 5/5/2008 |
| Q: My wife was recently in an auto accident. She was turning into the right lane, and got hit from ... A: ************************** FOLLOW UP *************************** Hello Amit, There is an old adage ... | |
| Insurance company only pay % of estimate | 5/5/2008 |
| Q: The other driver's insurance company is only offering to cover 80% of the damages to my vehicle. ... A: The issue is not worth pursuing in small claims court. Action would have to be filed in Nebraska ... | |
| new car hit | 5/5/2008 |
| Q: I had my 2 week old new GMC Acadia legally parked in a neighborhood that is a 25 mph zone. It was ... A: In my opinion, unless the cost of repairs exceeds $25,000-$28,000 there is a slim chance that the ... | |
| Hit From Behind | 5/5/2008 |
| Q: My wife was recently in an auto accident. She was turning into the right lane, and got hit from ... A: If I correctly understand your question, your wife was hit while merging from the left lane into the ... | |
| Insurance company only pay % of estimate | 5/5/2008 |
| Q: The other driver's insurance company is only offering to cover 80% of the damages to my vehicle. ... A: A lot depends on how willing you are to accept 20% fault in this accident. You should get at least ... | |
| Company vehicle | 5/5/2008 |
| Q: My friend got in a car accident while driving his company vehicle for personal use even though he ... A: I think we can agree that your friend was in the wrong to use the car for personal use after being ... | |
| Comprehensive Auto Insurace Question | 5/5/2008 |
| Q: I feel sick! I just tried to remove dried bug juice from several areas on my wife 2009 Nissan and ... A: Keep in mind that removing bug juice is a job for a professional detail shop. With their special ... | |
| Claim procedure | 5/5/2008 |
| Q: An Allstate customer hit me. I'm in the process of making a claim. The Allstate investigator said ... A: If I correctly understand your question, Allstate will pay you for your totaled vehicle and you want ... | |
| son killed in motorcycle accident | 5/4/2008 |
| Q: my son was killed two weeks ago when his motorcycle struck an suv. my sun had the right of way how ... A: Good Morning Cameron, I am saddened to learn of your loss and send my condolences. You state that ... | |
| Maryland right of way law | 5/3/2008 |
| Q: I was involved in an intersection crash in Maryland. I had the stop sign but could not see because ... A: I'm sorry to learn of your predicament. There are two types of negligence laws governing accidents ... | |
| Rearended | 5/3/2008 |
| Q: I was recently rearended while at a stop sign waiting to turn left onto a road with 2 lanes of ... A: I'm sorry to learn of your situation. You should have had the police officer make a report to ... | |
| can u help me | 5/3/2008 |
| Q: My vechile was stolen it has not been recovered thus far im not sure whats on my policy in this ... A: I'm, sorry to learn of your problem. In order for theft of your car to be covered by your insurance, ... | |
| Sued by a driver | 5/3/2008 |
| Q: I have an accident in Alton,IL where the police report says its my fault. I got a letter from ... A: This is really a dumb move by the other driver. He could have spent about one hour filing a claim ... | |
| Rear-ended | 5/2/2008 |
| Q: My husbanded was rearended while yeilding to traffic during a left hand turn. The other driver was ... A: Since the truck is being totaled, you are entitled to it's fair market value. To be sure that you ... | |
| Will comp claim increase premium? | 5/2/2008 |
| Q: While on a recent trip, a truck threw up some debris that caused damage to our right front fender. ... A: Comprehensive covers a multitude of different type losses including 'falling objects'. Since the ... | |
| Time Frame for filing a claim | 5/2/2008 |
| Q: About two weeks ago I had an accident in which I backed up into a light pole in a parking lot. I ... A: Insurance companies have a legal right to deny a clam based on a 'delayed report'. They prefer to ... | |
| covered or not? | 5/1/2008 |
| Q: i wrote you a few days ago about my fiance driving my car with a learners permit and getting rear ... A: There are two possible ways that your own insurance company can cover your damages. If you carry ... | |
| car accident settlement | 5/1/2008 |
| Q: the accident took place on feb. 16 of 2007. it is now may 1 2008. another car and i was hit by a ... A: This is something that you need to discuss with your attorney. I don't think that either your ... | |
| fender bender | 4/30/2008 |
| Q: My friend was driving my car today and got rear-ended. There's very little damage to either car ... A: The majority of states have a law that requires your insurance company to file a SR-1 proof of ... | |
| Not at fault. Insurance will only pay 90% | 4/30/2008 |
| Q: I've been involved in a minor accident that was not my fault. There was no injury. I was going ... A: I was afraid that would happen. As I stated before, each company is trying to settle the claim in a ... | |
| Divorced Parent Liability | 4/30/2008 |
| Q: I am divorced and have shared legal and physical custody of my daughter who is now driving (she is ... A: ************************** FOLLOW UP ****************************** Hi Brian, Based on the research ... | |
| one car accident | 4/30/2008 |
| Q: I was cleaning my car and very quickly decided to pull into the garage to avoid the rain. I was ... A: Everything depends on the insurance laws of your state, the underwriting guidelines of your ... | |
| Accident while backing | 4/29/2008 |
| Q: This is an accident in an apartment parking lot. I was backing up my parking spot. As I reached ... A: Parking lot accidents are among the hardest type to settle because there are usually no witnesses. ... | |
| Insurance Check | 4/29/2008 |
| Q: My car was damaged by a renegade sign in a business parking lot. $1,500 damage. The store offered to ... A: You need to explain to the store that their legal obligation is to make a payment to you. Tell them ... | |
| windsheld hit | 4/29/2008 |
| Q: My husband was driving down the highway behind a truck towing logs, there was a good amount of debre ... A: In my opinion, the trucking firm is legally liable to pay because they failed to cover the load. ... | |
| Vandalism to Vehicle | 4/29/2008 |
| Q: I work for an agency that deals with intellectually disabled individuals. While at work on Saturday ... A: I don't think that I can give you a concrete answer. For your employer to be liable, there would ... | |
| Vandalism to Vehicle | 4/28/2008 |
| Q: I work for an agency that deals with intellectually disabled individuals. While at work on Saturday ... A: I'm sorry to hear of your predicament. I see no way that any liability exists against your employer ... | |
| No Insurance | 4/28/2008 |
| Q: I was involved in an auto accident mid last week. My SUV was rear-ended by another vehicle. I ... A: I'm sorry to learn of your predicament. The only option that I see left is for you to file small ... | |
| covered or not? | 4/28/2008 |
| Q: my fiance was driving my car to the store with a learners permit. and was rear ended driving home. ... A: Congratulations on being more knowledgeable than the average person and adding your fiancee to your ... | |
| covered or not? | 4/28/2008 |
| Q: my fiance was driving my car to the store with a learners permit. and was rear ended driving home. ... A: As I understand your question, your fiancee was 100% not-at fault in the accident. This being true, ... | |
| 5 car collision | 4/27/2008 |
| Q: What a great service you offer. I was in a 5 car accident with me being the last person to get hit ... A: You are being misinformed. Every state has a law that requires a person to operate a vehicle in ... | |
| driving with broken arm | 4/27/2008 |
| Q: I recently broke my right arm while skating. The doctor has placed the arm in a cast. When I asked ... A: I'm sorry to hear of your broken arm. Bummer. In order for a medical condition to have an affect on ... | |
| Under what circumstance will my own insurance be involved in? | 4/27/2008 |
| Q: If a loss is less than my deductible but the fault is on the other driver side, can I request my own ... A: A policy such as you mention would cover your medical bills up to your policy limits, but not pay ... | |
| my first accident... | 4/27/2008 |
| Q: This morning I was involved in my first fender bender (yay). a cop was racing across the ... A: There are over 600 insurance companies operating in the United States. Only about 50 of which ... | |
| Under what circumstance will my own insurance be involved in? | 4/27/2008 |
| Q: If a loss is less than my deductible but the fault is on the other driver side, can I request my own ... A: Yes, you understand correctly. Your insurance company can only assist you in recovering from the at ... | |
| Newly leased car hit in accident. Question about total loss | 4/26/2008 |
| Q: I've had my Infiniti M45 for 6 months now. 10k miles on it..barely broken in. I was involved in an ... A: If the adverse company is not willing to total the car, then you should have your own company do the ... | |
| my first accident... | 4/26/2008 |
| Q: This morning I was involved in my first fender bender (yay). a cop was racing across the ... A: Yes, you need to file a report with your own insurance company for two reasons. First, most states ... | |
| Under what circumstance will my own insurance be involved in? | 4/26/2008 |
| Q: If a loss is less than my deductible but the fault is on the other driver side, can I request my own ... A: We, as americans, have a tendancy to elect attorneys as our state representatives and state ... | |
| Newly leased car hit in accident. Question about total loss | 4/26/2008 |
| Q: I've had my Infiniti M45 for 6 months now. 10k miles on it..barely broken in. I was involved in an ... A: It sounds like there would be a good chance to have the adverse insurance total the car. Whether ... | |
| Auto in an accident with a lean | 4/25/2008 |
| Q: My husband was just recently in an auto accident where the vehicle is pretty much totaled. The ... A: I'm sorry to learn of your predicament. If the car is totaled, the insurance has no choice but pay ... | |
| Claim procedure | 4/25/2008 |
| Q: An Allstate customer hit me. I'm in the process of making a claim. The Allstate investigator said ... A: There are two possible ways to handle this claim if your carry collision on your own car. In my ... | |
| Not at fault. Insurance will only pay 90% | 4/24/2008 |
| Q: I've been involved in a minor accident that was not my fault. There was no injury. I was going ... A: It sounds like each of the insurance companies is trying to settle this claim as cheaply as ... | |
| Rear Ended | 4/24/2008 |
| Q: I was involved in an auto accident where I was determined to be at fault. My insurance company paid ... A: The insurance company will inspect the car to determine the portion of your damage that is 'old ... | |
| Rear-end accident | 4/24/2008 |
| Q: I was at a complete stop waiting to turn left into my daughter's school when I was rear-ended. It ... A: To me, it sounds like you have some frame damage. This could cause a 'tweak' in the drivers seat ... | |
| website | 4/23/2008 |
| Q: Is there a pay website you can go to that will tell you if there has ever been an insurance claim ... A: Yes, there is a site that you can use to get a full history on a vehicle. It might not show glass ... | |
| three car accident | 4/23/2008 |
| Q: I was in a three car accident today. I ran into a car the hit another. The car is registered in my ... A: If you are not a NAMED DRIVER on your mothers policy, the entire claim will be denied and you and ... | |
| Auto accident....What parts to use | 4/23/2008 |
| Q: I was recently involved in an auto accident and I am not the at fault party. My vehicle was pretty ... A: If your car is still under warranty or under extended drive train warranty, then putting used ... | |
| my car was stolen | 4/23/2008 |
| Q: I have never been through this situation before, I filed a claim with my insurance company(state ... A: In my opinion, it's directly related to the circumstances surrounding the theft. Two unrelated ... | |
| Subcontractor and PIP claim | 4/22/2008 |
| Q: My husband and I were rear ended 3/25/08. We were in a rental car and PIP has paid some of our ... A: It sounds like the General Contractor is being lazy and passing the buck. I can see no reason why ... | |
| Pennsylvania Auto Accident | 4/22/2008 |
| Q: My son was sitting at a stop sign in my older car waiting to turn right. A girl tried to turn unto ... A: It looks like you have a tough chore ahead. Your first step is to have the adverse insurance give ... | |
| medical settlement | 4/22/2008 |
| Q: My self employed partner was hit by someone almost two years ago and Nationwide repaired the work ... A: Since your partner had a preexisting condition that was exacerbated by the accident, the preexisting ... | |
| Exclusions | 4/21/2008 |
| Q: I read the message and answer from Kevin to you back on 11/28/2007. I have a similar situation where ... A: I no longer have Kevin's e-mail address, but I can provide you with a lot of information. His ... | |
| Keeping my totaled car in KY | 4/21/2008 |
| Q: I have a 2003 Pontiac Vibe AWD that was in an accident where both side-fronts were damaged, no other ... A: Since your insurance company is paying you under "1. pay up to the actual cash value;", I can't see ... | |
| he hit a pedestrian | 4/21/2008 |
| Q: my husband was in a terrible accident the other morning with a bicyclist who swerved into traffic ... A: Neither the auto or home insurance of the bicyclist will cover such an accident. Your husband ... | |
| auto claim | 4/20/2008 |
| Q: I was broadsided on the drivers side in Feb and my car was totaled. Police saw the accident happen ... A: If you carry medical payment coverage or PIP under your own auto insurance policy, you should be ... | |
| got into an accident, no insurance | 4/20/2008 |
| Q: i got into an accident last night at 1am, i dosed off( very tired) and side swiped another truck, ... A: Re-registering the vehicle does not shift the liability because the accident happened while the ... | |
| got into an accident, no insurance | 4/20/2008 |
| Q: i got into an accident last night at 1am, i dosed off( very tired) and side swiped another truck, ... A: I'm sorry to hear of your predicament. You need to immediately re-register the vehicle back in your ... | |
| Claim base | 4/20/2008 |
| Q: I got in an accident yesterday. The police came but only gave up an exchange of information form (no ... A: Yes, you should file a claim against her insurance for payment. Due to the amount of damage, your ... | |
| Claim base | 4/19/2008 |
| Q: I got in an accident yesterday. The police came but only gave up an exchange of information form (no ... A: The only way that you can proper protect yourself from a future claim for damages and possibly an ... | |
| Help! | 4/19/2008 |
| Q: My husband totaled his motorcycle. The car in front of him slammed on the breaks causing him to ... A: In order to attempt to assist you in this matter, I need more information. Please provide me with ... | |
| supplemental insurance claim | 4/18/2008 |
| Q: We made a claim on our work truck 5 months ago. We were struck in the front end by an uninsured ... A: I understand your situation and agree with you that it's easy to 'assume' this damage was caused by ... | |
| The difference in the estimate between the body shop and inspector | 4/18/2008 |
| Q: The insurance asked the local inspector to exam the vehicle damages and then the inspector gave me ... A: As I understand your question, this is a claim against your own insurance company. Under the legal ... | |
| Keeping my totaled car in KY | 4/18/2008 |
| Q: I have a 2003 Pontiac Vibe AWD that was in an accident where both side-fronts were damaged, no other ... A: I'm afraid that you have a slight misconception of how your policy benefits apply. State Farm is ... | |
| stollen car | 4/18/2008 |
| Q: My car was stollen about a year ago. The insurance company paid a me some money. Fortunately, the ... A: The car now belongs to the insurance company. They paid you a settlement about a year ago and you ... | |
| Repair facility picks up my car and wrecks it | 4/17/2008 |
| Q: Repair facility usually picks up and delivers my vehicle after completing their work. This time the ... A: Being made whole would be your choosing a quality shop to repair your car, being provided with a ... | |
| house | 4/17/2008 |
| Q: my house was hit by a car. car one had insurance. collided with car two. car two hit my house ... A: You will have a legal right to collect from the driver that was determined to be at fault. If the ... | |
| Auto insurance company dealing with collection agency | 4/17/2008 |
| Q: I was involved in a car accident in 2006 (2 years ago) where the other party driving a rental car ... A: I don't know who you sent your question to, but I found it languishing in the unanswered question ... | |
| Release and settlement of claim | 4/17/2008 |
| Q: In January my car was hit from behind sending me in to the truck in front of me. My car was totaled. ... A: Unless your medical bills for the doctors visit and x-ray exceeded $175, then the $500 offer sounds ... | |
| 2001 Kia Rio | 4/16/2008 |
| Q: my 2001 Kia Rio was totaled after having body work done, and two new tires put on. Is there any way ... A: Your car has a different value in different parts of the country, depending on the specific model ... | |
| underinsured claim | 4/16/2008 |
| Q: I settle with AAA For $15000, ( policy limit) Geico ( my insurance ) paid my medical bill: $5000 now ... A: Many insurance companies have a clause in their policy which states that if they pay your medical ... | |
| how much should I negotiate for my auto accident | 4/16/2008 |
| Q: I was in an accident last November where the other driver was totally at fault He was given a ticket ... A: I am not an attorney and can not make any statements that could be considered as giving you free ... | |
| settlement of claim | 4/16/2008 |
| Q: i was in an accident last year. i was driving a rental car at the time and paid the rental expenses ... A: In my opinion, as long as Visa is convinced that the damage estimate is 10% to high, they are not ... | |
| Auto Insurance Question | 4/15/2008 |
| Q: If two people are married to each other, will they automatically be listed under the list of "Named ... A: In the case of a married couple, they are each considered named insureds under the legal wording of ... | |
| settlement of claim | 4/15/2008 |
| Q: i was in an accident last year. i was driving a rental car at the time and paid the rental expenses ... A: CDW is not an insurance policy controlled by the state laws in which a car is rented and the ... | |
| Claim pain & suffering on car insurance's medical coverage | 4/15/2008 |
| Q: My daughter just had an accident where the police report says inconclusive (can't determine who's at ... A: Your claim is against the driver of the car. The insurance company only becomes responsible after ... | |
| Girlfriend dui'd my truck into a tree | 4/15/2008 |
| Q: my girlfriend's insurance company won't pay for my truck. They said it is because we live together ... A: I don't know who you originally sent the question to, but I found it languishing unanswered in the ... | |
| Release of Liability | 4/14/2008 |
| Q: I was in an accident where the other person hit me from behind. The police report said it was his ... A: In order to receive a payment at this moment, you must execute a release of all claims against the ... | |
| Claim pain & suffering on car insurance's medical coverage | 4/14/2008 |
| Q: My daughter just had an accident where the police report says inconclusive (can't determine who's at ... A: I'm sorry to learn of your daughters injuries and wish her a full recovery. When the insurance ... | |
| Help . How to deal with BI med bill claims | 4/13/2008 |
| Q: I was involved in car crash 3 years back in Florida . I feel very bad abt it . Unfortunately i ... A: Yes, you can ask the insurance company to settle the claim for a compromised the amount. They will ... | |
| Liability | 4/13/2008 |
| Q: My sisters maid came to her with a bill for $600 claiming the lumpy, bumpy country driveway of my ... A: Your sister has no liability for the alleged damages that her maid sustained. If she actually ... | |
| Body shop liability | 4/12/2008 |
| Q: I recently had an accident in which I rear ended another vehicle. The whole front end was smashed ... A: You need to report this problem back to your insurance company. They will want you to go back to the ... | |
| Auto Accident - Which State Law Applies | 4/12/2008 |
| Q: If I have an auto accident outside my home state of Missouri, would the Oklahoma law (where the ... A: I found your question in the question pool and felt that I can be of help. The terms and conditions ... | |
| car accident, im not at falut. | 4/11/2008 |
| Q: I have a 2007 Lexus 350 that had 13,300.00 in damage and frame was also bent. How do I go about ... A: To establish diminished value amounts, you will need to hire a professional independent vehicle ... | |
| Medical Bills From Auto Accident - Regular Amt. vs. Insurance Paid Amt. | 4/11/2008 |
| Q: I am currently negotiating to settle for an accident that I was in last April where a driver ran a ... A: Medical bills, lost wages, the cost of commuting to each appointment to receive medical services are ... | |
| Parking lot accident | 4/11/2008 |
| Q: There were 3 cars between me and another car. He was to the left. I pulled out at an angle, and ... A: Parking lot accidents are among the hardest claims to handle because there are usually no witnesses ... | |
| factory warranties | 4/10/2008 |
| Q: as earlier,, my truck was involved in an accident, not my fault. now state farm refuses to ... A: You must do everything to assure that the mechanical components are replaced with NEW Original ... | |
| what happens at a EUO (auto theft claim) | 4/9/2008 |
| Q: What is a EUO and is it the same as a polygraph test? Why are they dragging me through all this BS! ... A: An EUO is a deposition under oath of the circumstances surrounding your claim. Something about your ... | |
| my mother's car is being totaled. | 4/9/2008 |
| Q: my father was driving my mothers car and was rear-ended. The car was in great shape and would have ... A: I'm sorry, I should have given you a better description of 'cost of repair exceeds value'. There are ... | |
| my mother's car is being totaled. | 4/9/2008 |
| Q: my father was driving my mothers car and was rear-ended. The car was in great shape and would have ... A: Since the car is totaled (cost of repair exceeds value), there is not much your father can do but ... | |
| hail damage to my vehicle | 4/8/2008 |
| Q: i recently bought a used 2000 kia sephia for 2,100 cash. a hail store damaged the vehicles hood, ... A: Although I don't advise doing so, you can call your insurance company and ask them to close the ... | |
| Auto Accident claim-Policy renewal | 4/8/2008 |
| Q: I was just in an automobile accident, but I was the passenger of the car. If I decided to go ... A: You didn't give me much information to work with, so I will have to make several assumptions. If my ... | |
| Minor accident in a parking lot in NJ | 4/7/2008 |
| Q: My husband had a small car accident in a parking lot in New Jersey. He was turning left from the ... A: Parking lot accidents are among the hardest to settle because there are usually no 'stop' or 'yield' ... | |
| Transfer fee | 4/7/2008 |
| Q: the other expert could not explain what the transfer fee is. Could you explain it? Will the ... A: As I explained, the insurance company is NOT going to include the transfer fees as part of your ... | |
| Daughter had no insurance/was at fault | 4/7/2008 |
| Q: my daughter was in a minor accident in a car that is registered to me. We live in Michigan. She ... A: If your daughter does not live with you, does not have full time possession and use of your car and ... | |
| Transfer fee | 4/6/2008 |
| Q: the other expert could not explain what the transfer fee is. Could you explain it? Will the ... A: Unlike a registration fee which is paid annually, a registration fee is a one time payment charged ... | |
| coverage for damaged trailer | 4/6/2008 |
| Q: Monday, March 31, my wife and I were headed from the Denver area to Moab, UT on Interstate 70. We ... A: One thing is for sure, you are certainly owed a better explanation Your trailer is covered ... | |
| Salvage | 4/6/2008 |
| Q: my car is totaled. The insurance said to let me keep the salvage at a cost of 10% or $500. What does ... A: Based on past experience, the $500 is what the insurance company estimates they can receive for it. ... | |
| coverage for college student | 4/5/2008 |
| Q: My son is a Junior in college in a different city than us. He just occasionally drives our car when ... A: For the length of time that your son is away from home attending college, he is considered a LEGAL ... | |
| Salvage | 4/5/2008 |
| Q: my car is totaled. The insurance said to let me keep the salvage at a cost of 10% or $500. What does ... A: I agree with you, it's not worth the hassel to try to put the car back together and have it's value ... | |
| Auto Theft | 4/4/2008 |
| Q: My truck was recently stolen, recovered. My insurance company has totaled the vehicle. They want to ... A: I'm sorry to learn of your misfortune. The person that you spoke with is wrong. An insurance ... | |
| Salvage | 4/4/2008 |
| Q: my car is totaled. The insurance said to let me keep the salvage at a cost of 10% or $500. What does ... A: It means that they will deduct $500 from the offer that they have made. They will also take the ... | |
| settlement towards new car | 4/4/2008 |
| Q: Can you take the settlement at put it towards a new car instead of repairing the car that was in the ... A: As long as the check from the insurance company is issued only to you, you can do anything with the ... | |
| Auto Insurance claim | 4/4/2008 |
| Q: Recently my Wife was in a No-Fault auto accident here in Salem Oregon. Some background on the actual ... A: I'm sorry to learn of the injuries to your wife and do wish her a full recovery. First of all, you ... | |
| Hit and Run with a rental car | 4/4/2008 |
| Q: my husband was recently in a hit and run where the other driver was at fault and left the scene. My ... A: If you had your own insurance company repair your car, they should be in the process of subrogating ... | |
| 3 car collision not at fault | 4/4/2008 |
| Q: Background: Last week I was driving on the highway when traffic ahead came to a stop. I was able to ... A: I'm sorry to learn of your misfortune. I will answer the questions in the order presented. 1. The ... | |
| 1st time involved in accident | 4/4/2008 |
| Q: first of all, thanks for helping. I had a car accident yesterday morning. Since this is the first ... A: I'm sorry to hear of your misfortune. I have to assume that you don't carry collision on your car, ... | |
| Fault cannot be determined | 4/4/2008 |
| Q: If the fault cannot be determined regardless of the police or both parties insurance because both ... A: ******************** FOLLOW UP **************************** Hello Janice, All the volunteers at ... | |
| uninsured/vandalism theft | 4/3/2008 |
| Q: i had a car that i recently put up for sale, i had a guy that was going to buy it, i removed the ... A: I'm sorry to learn of your misfortune. Since you had removed the insurance from the car, there is ... | |
| Fault cannot be determined | 4/3/2008 |
| Q: If the fault cannot be determined regardless of the police or both parties insurance because both ... A: When there are no witnesses and each party gives a different version of the accident, the insurance ... | |
| hit a car with my friend's car | 4/2/2008 |
| Q: so basically i was driving my friend's car, but it's really insured under his dad, and i hit a car ... A: As I stated in my response, in my OPINION, if there is a rate increase, it would not exceed $2,500 ... | |
| hit a car with my friend's car | 4/2/2008 |
| Q: so basically i was driving my friend's car, but it's really insured under his dad, and i hit a car ... A: I still feel that my first answer is the proper way to handle this accident. There is every ... | |
| hit a car with my friend's car | 4/2/2008 |
| Q: so basically i was driving my friend's car, but it's really insured under his dad, and i hit a car ... A: If you reside in a mandatory insurance state, your friends father may be forced to report the claim ... | |
| Do I need to sign? | 4/2/2008 |
| Q: Do I need to sign some forms or just get a check after the property damage claim was settled but the ... A: Yes. This is a release of all claims (for property damage only) and means that that you can never ... | |
| Determination of fault in a rear end accident | 4/1/2008 |
| Q: All the cars moved slowly in a parking lot. If the second car hit the first car in front of it ... A: Every state has a law that requires a driver to operate his/her vehicle in such a manner as to be ... | |
| rear-end collisions | 3/31/2008 |
| Q: what if your the driver in the rear that hit the car in front but you were paying attention; the ... A: Every state has a law that requires you to operate your vehicle in such a manner as to be able to ... | |
| vehicle accident | 3/31/2008 |
| Q: recently involved in an accident. other driver admitted fault to police and their insurance company ... A: Your question is a bit confusing. Even though the California driver may only have $5,000 in ... | |
| Geico Denies First claim of 34 year customer | 3/31/2008 |
| Q: Had accident 2/18/08 making left--considered legally wrong. I'm still convinced that the other ... A: I'm sorry to learn of your predicament. It normally takes the office of the insurance commissioner ... | |
| Car stolen and damaged | 3/31/2008 |
| Q: My car was stolen out of my drive way late at night. I did leave the keys in the floor board. The ... A: You should work very close with your company to get them to save the car even if it means repairing ... | |
| Car accident with a lien on my car | 3/30/2008 |
| Q: 1: I was hit in a parking lot 2: My car has a lien holder note: They( the other party) have not ... A: I'm sorry to learn of your predicament. If your car is totaled, the check will be made jointly to ... | |
| Being Overcharged for Minor Accident | 3/29/2008 |
| Q: I recently hit someone's car in my driveway (which, by the way was parked illegally), and caused ... A: In my opinion, you have done everything possible to handle this in a friendly way. I don't think ... | |
| Old American denial OACM.CP.013 | 3/29/2008 |
| Q: I have the same issues as Kevins question shown below. And is Old American Insuance ( OACM.CP.013 ... A: Texas is a mandatory insurance state. That means the owner must purchase an insurance policy that ... | |
| Hawaii rental company liability | 3/29/2008 |
| Q: My car was struck by someone driving a rental with fault 100 percent on the other driver. The other ... A: Hawaii is one of the eleven states that have no fault insurance. Each state with no fault has a ... | |
| Old American denial OACM.CP.013 | 3/29/2008 |
| Q: I have the same issues as Kevins question shown below. And is Old American Insuance ( OACM.CP.013 ... A: I learned that particular endorsement turns their policy into their "Super Saver Policy" by ... | |
| leak | 3/29/2008 |
| Q: i have had a leak in my bathroom and it has caused my ceiling to come down in my lounge can i ... A: This is not a loss that will be covered by your homeowners policy. Water damage coverage under your ... | |
| Rear end collision in someone else's car | 3/28/2008 |
| Q: My mother is the legal owner of a car that I drive. The car would be in my name, but I could not ... A: First of all, your boyfriend needs to make a couple of copies of the summons and complaint and then ... | |
| How does the insurer determine to pay or deny the third party claim? | 3/28/2008 |
| Q: the insurer needs to determine who was at fault BEFORE paying compensation on behalf of its client, ... A: If an insurance company reaches a decision that the fault was 95/05 against their client, they will ... | |
| What is the transfer fee? | 3/28/2008 |
| Q: my car was declared a total loss after an automobile accident. The at-fault driver’s insurance ... A: You can present the quotes that you received plus the dealer quotes to the insurance compamy as a ... | |
| What is the transfer fee? | 3/28/2008 |
| Q: my car was declared a total loss after an automobile accident. The at-fault driver’s insurance ... A: When you are being paid for a total loss vehicle, it is normal that you receive an agreed upon value ... | |
| How does the insurer determine to pay or deny the third party claim? | 3/27/2008 |
| Q: the insurer needs to determine who was at fault BEFORE paying compensation on behalf of its client, ... A: When an insurance company decides to pay 100% of the bills presented to them, it means that their ... | |
| How does the insurer determine to pay or deny the third party claim? | 3/27/2008 |
| Q: the insurer needs to determine who was at fault BEFORE paying compensation on behalf of its client, ... A: Making the decision of fault can be simple or extremely complicated and sometimes never 100% ... | |
| UIMClaim | 3/27/2008 |
| Q: I am a Police Officer in May 1997 I was struck by another vehicle while responding to an accident. I ... A: My field of expertise is in tort liability insurance states. There are 11 no fault insurance ... | |
| sports car less on insurance | 3/26/2008 |
| Q: Why would insurance on a 2003 Toyota MR2 "which is a sports car" be significantly cheaper than a ... A: This is a duplicate question that I answered a few minutes ago. Copy below. Hi Nick, Just because a ... | |
| sports car less on insurance | 3/26/2008 |
| Q: Why would insurance on a 2003 Toyota MR2 "which is a sports car" be significantly cheaper than a ... A: This is a duplicate question that I answered a few minutes ago. Copy below. Hi Nick, Just because a ... | |
| sports car less on insurance | 3/26/2008 |
| Q: Why would insurance on a 2003 Toyota MR2 "which is a sports car" be significantly cheaper than a ... A: Just because a vehicle is considered a 'sports car' does not put it in a 'penalty' category for ... | |
| multi vehicle coverage | 3/26/2008 |
| Q: I have 10 cars i insure some fully and some liability only . 5 are antique to Include a 1965 f7 fire ... A: In all states, the insurance policy follows the vehicle. This is part of the law created by each ... | |
| car theft and accident | 3/26/2008 |
| Q: My vehicle which is covered by liability ins. only was being fixed by a minor aquaintance of mine at ... A: If this was a simple case where you had given him permission to drive your car, and he had a fault ... | |
| Can file two claims with two insurance simultaneously? | 3/26/2008 |
| Q: A police report shows the fault is unable to be determined. Thus, one has filed a claim with his ... A: Always file the claim with your own insurance company so they can do all the work to determine fault ... | |
| No comp/coll ins on financed auto | 3/25/2008 |
| Q: I had a car financed through a local small finance company. Money was short and I switched ins ... A: They can't have you arrested, but you do still owe them the balance. If you don't work out a payment ... | |
| rear end colision | 3/25/2008 |
| Q: I bought a used Mitsubishi less than three months ago. I had it fully inspected before purchase and ... A: Reading between the lines, I assume that you are attempting to collect directly from the company of ... | |
| Can file two claims with two insurance simultaneously? | 3/25/2008 |
| Q: A police report shows the fault is unable to be determined. Thus, one has filed a claim with his ... A: Yes, claims can be filed with both companies but the total amount collected can't exceed the actual ... | |
| Insurance dragging their feet | 3/25/2008 |
| Q: Stat of Tennessee. I file a auto theft claim on 1-31-08, the vehicle that was stolen was a high end ... A: Most states allow the insurance company up to sixty days to investigate and either deny or pay the ... | |
| Rear End Collision | 3/24/2008 |
| Q: My wife was recently involved in a rear end collision while uninsured. She was waiting to turn ... A: If you had been able to inspect and photograph the front of the SUV, you might have been able to ... | |
| car theft and accident | 3/24/2008 |
| Q: My vehicle which is covered by liability ins. only was being fixed by a minor aquaintance of mine at ... A: I'm sorry to learn of your predicament. I see no way that you will be able to collect from his ... | |
| How to determine the fault? | 3/24/2008 |
| Q: Does the insurance paying compensation mean and admit their insured was at fault and the insurer has ... A: If the other insurance company is willing to compensate you for your car damage and/or injuries, ... | |
| Claim Settlement ? | 3/24/2008 |
| Q: I was involved in an auto accident about two months back. I have been going to a dr and have reached ... A: I'm sorry to hear of your predicament. Uninsured Motorists coverage is designed to pay you a fair ... | |
| insurance claims | 3/24/2008 |
| Q: i was involved in a hit and run accident. at the time of the accident i was stationary at the ... A: This is the weakest excuse that I have ever heard. Of course "the damages do not match". Depending ... | |
| Leinholder liability | 3/23/2008 |
| Q: Can a insurance company hold the leinholder of a vehicle financially responsible for the costs to ... A: Like you, as a parent I have had to purchase vehicles for some of my children and to prevent them ... | |
| Leinholder liability | 3/23/2008 |
| Q: Can a insurance company hold the leinholder of a vehicle financially responsible for the costs to ... A: Under California Law, the lienholder is never responsible for the actions of anyone driving a car ... | |
| What is the minimum offer for the pain and suffering? | 3/23/2008 |
| Q: Have seen your previous posts indicating the average offer for the pain and suffering is about 2.5 ... A: You keep placing the emphasis of your question on first "offer". It's the desire of the insurance ... | |
| accident | 3/22/2008 |
| Q: I was rear ended by a woman with no insurance on Oct 16,2007 and now i am dealing with my own ... A: I'm sorry to hear of the severity of your injuries. You are doing the right thing by NOT retaining ... | |
| Neighbors pet run over | 3/21/2008 |
| Q: I ran over my neighbors pet dog. The dog survived. The vet bill was over $500.00. I have Liability ... A: You need to make an immediate report to your insurance company. Decisions regarding your liability ... | |
| What is the minimum offer for the pain and suffering? | 3/21/2008 |
| Q: Have seen your previous posts indicating the average offer for the pain and suffering is about 2.5 ... A: In my posts, you will note that I always suggest that the injured party not use a Chiropractor for ... | |
| insurance | 3/21/2008 |
| Q: how can i delete a network from my network connection center. i am currently using window vista and ... A: Perhaps you intended to ask two separate questions, one regarding insurance and one regarding ... | |
| Vehicle fire | 3/21/2008 |
| Q: My vehicle caught on fire while driving down the highway the day after I picked it up from the ... A: I'm sorry to learn that you don't have your insurance company able to help since you don't carry ... | |
| What is the minimum offer for the pain and suffering? | 3/21/2008 |
| Q: Have seen your previous posts indicating the average offer for the pain and suffering is about 2.5 ... A: All experts at this site are volunteers. We attempt to use our knowledge and experience to help you ... | |
| "Truck Camper" Damage | 3/20/2008 |
| Q: I am in the process of Filing a claim about damage done to my truck camper. (Camper sits in the bed ... A: Your insurance company is not going to pay for damage caused by another party. They have a right to ... | |
| how long does it take | 3/20/2008 |
| Q: to get the at fault party"allstate" to cut a check for auto property damage? how long should the ... A: Part of the job of the Allstate adjuster is to inspect your damage and then review the estimates on ... | |
| sports car and parents insurance | 3/20/2008 |
| Q: I'm nineteen years old, and I am looking to buy my very own first sports car, but insurance is going ... A: In order to put the car on your parents policy, it must be registered to one or both of them, the ... | |
| Bodily Injury Claim | 3/19/2008 |
| Q: I was rear ended in the first part of Feb. I have been dealing with my insu since the party ... A: I'm sorry to hear of your predicament. Uninsured Motorists coverage is designed to pay you a fair ... | |
| Faulty mechanic work | 3/19/2008 |
| Q: I recently serviced my car and replaced all my brake pads and rotors. When driving home my brakes ... A: In most states, when a shop 'insures' or 'guarantees' their work, it is normal and customary that ... | |
| Vehicle fire | 3/19/2008 |
| Q: My vehicle caught on fire while driving down the highway the day after I picked it up from the ... A: I'm sorry to learn of your problem. I hope that you carry COMPREHENSIVE coverage on your vehicle. ... | |
| Other driver at fault, totalled vehicle | 3/18/2008 |
| Q: I have (had) a 97 Camry with 110,000 miles on it that was totalled the 2 days ago by another driver ... A: I'm sorry to learn of your accident. In reality, you have two separate claims. One for the damage ... | |
| accident with my friend's car | 3/18/2008 |
| Q: I live in NY, and was recently in an accident while driving my friend's car. My friend has ... A: You recently ask a question to someone on this board. Instead of answering your question, they sent ... | |
| car claim | 3/18/2008 |
| Q: I was backing out of a tight parking spot and hit the car next to me. The car had a very slight ... A: This is a duplicate question that I answered a few minutes ago. Bennie Answer: Hi Charles, You ... | |
| car insurance - clue report, claim | 3/18/2008 |
| Q: I was backing out of a tight parking spot and hit the car next to me. The car had a very slight ... A: You can call your AGENT (not the claims department) and get an 'off the record' opinion on how this ... | |
| Car Collision | 3/15/2008 |
| Q: I was driving my car under the speed limit going around 30 on my way to work. It is snowing here and ... A: To the police authorities and the insurance company, this is considered a fault accident. You were ... | |
| Missing Vehicle/Spouse Theft | 3/13/2008 |
| Q: Complicated matter, my husband was arrested, jumped bail and stole my car and fled out of state (sep ... A: I'm sorry to hear of your complicated situation. I don't recall ever having a long term situation ... | |
| Medical reimbursement for our car accident | 3/12/2008 |
| Q: Bennie: I read to know you have been answering the questions related to auto accident claim to many ... A: In order to properly answer your question, I am going to have to kind of walk through the entire ... | |
| Car vandalized, adjustor is lowballing me | 3/11/2008 |
| Q: My 2004 Volvo conv. had the top slashed in 2 places, clean through the headliner. I have a $500.00 ... A: There are two possible reasons for the lower offer from your adjuster. 1. He has talked to the ... | |
| Diminished value... | 3/11/2008 |
| Q: My husband was in a car accident-he was sideswiped by a big work truck (who worked for a grading ... A: $1,800 is considered minimal damage and a diminished value payment of between 10% - 15% of the ... | |
| 2 accidents in 3 months. | 3/11/2008 |
| Q: I have had a couple of things come up so I will refresh your memory. My husband and I were in an ... A: This is going to be a hard decision for you to make. If you settle for the first injury, the second ... | |
| MedPay | 3/10/2008 |
| Q: I was a passenger in an auto that was invoved in an accident with the driver being at fault. He has ... A: I'm sorry to learn of your injuries and wish you a full recovery. I am assuming that you are a ... | |
| Show photos? | 3/10/2008 |
| Q: If the injuries are soft tissue such as blue, scratch, burning etc, is it necessary to show the ... A: You are dealing with two entirely separate claims. The property damage portion can be settled as ... | |
| Auto Insurance | 3/9/2008 |
| Q: I'm getting a car soon. My dad's kinda cheap, so i gotta get it at a maximum price of approx 4k. I ... A: Any of the small cars with high horsepower commonly referred to as "pocket rockets" are going to ... | |
| Show photos? | 3/9/2008 |
| Q: If the injuries are soft tissue such as blue, scratch, burning etc, is it necessary to show the ... A: In my opinion, you should only provide photo's that will strengthen your case. This means ones with ... | |
| my car was hit in a parking lot - should I make a claim w/my own company? | 3/8/2008 |
| Q: my car was hit in a private parking lot at work in Virginia. I was unaware until I went to drive ... A: I recommend that you go ahead and have your own company repair your car, since it appears that they ... | |
| No fault but was attacked | 3/7/2008 |
| Q: I drove on the County HWY under the speed limit, but a car suddenly attempted to make a left turn by ... A: Your are correct that this is a common practice and you probably have the right to object to many of ... | |
| Not getting a fair offer | 3/7/2008 |
| Q: I got rear-ended and my 2005 Chevrolet Aveo hatchback was totaled. I tried to negotiate with the at ... A: You are entitle to be paid fair market value plus sales tax and prorated license fee for your car. ... | |
| Friend used car got into accident | 3/7/2008 |
| Q: I was in Hawaii a friend of mine used my car and did not tell me. He called me told me he was in an ... A: As I stated before, the insurance follows the car. Your friend can't present the claim to his own ... | |
| No fault but was attacked | 3/7/2008 |
| Q: I drove on the County HWY under the speed limit, but a car suddenly attempted to make a left turn by ... A: Something is missing from your question. I clearly understand that you were involved in a non fault ... | |
| Field inspector- meet at home or mechanic | 3/6/2008 |
| Q: I was just in an accident, it was the other person's fault and her insurance is going to pay for it, ... A: The fact that you ask the adjuster to meet you at the repair shop should not be a factor in the ... | |
| Friend used car got into accident | 3/6/2008 |
| Q: I was in Hawaii a friend of mine used my car and did not tell me. He called me told me he was in an ... A: Sorry to learn of your misfortune. I must assume, based on the circumstances, that your friend had ... | |
| car rental coverage | 3/6/2008 |
| Q: Somebody backed into my car while it was parked. Instead of submitting claim to the other party, I ... A: The problem with dropping your car off on a friday means it will simply set in the shop for 2 days ... | |
| Auto Insurance claim check | 3/6/2008 |
| Q: I recently got rear-ended. It was not my fault, and the at-fault driver's insurance company has ... A: That's the reason that the document that you receive from the body shop is called an "estimate". The ... | |
| stolen car | 3/6/2008 |
| Q: I just had my 94 Honda civic stolen. I took excellent car of it. I would like to know the how to ... A: I suggest that you approach the dealers with the statement that you need this information to settle ... | |
| car rental coverage | 3/5/2008 |
| Q: Somebody backed into my car while it was parked. Instead of submitting claim to the other party, I ... A: We all suffer some type of inconvenience when involved in a car accident. No company is going to ... | |
| Is it too late? | 3/5/2008 |
| Q: My husband and I were in a 5 mile rear bumper accident two months ago in which our less than one ... A: You need to immediately report this accident to your own insurance company. Most states require ... | |
| collisoin work | 3/5/2008 |
| Q: I previously asked questions pertaining to accepting what they are doing to my car. For a refresher ... A: The following link will connect you to the Kentucky Department of Insurance home page. ... | |
| two accidents in 3 months | 3/5/2008 |
| Q: in Nov 07 my husband and I were rear-ended in our car. My husband was the driver. Car damages were ... A: Of course the first thing that you need to do is make a report to your insurance company. Then you ... | |
| Pain and suffuring amount | 3/5/2008 |
| Q: I was rear ended on 2/07/07. The accident happened causing very little damage to either vehicle. ... A: In the eyes of the insurance company, you are receiving $2,730 for pain and suffering because your ... | |
| Coverage for Compromised brake system | 3/4/2008 |
| Q: Would repairs in this situation be covered by either Auto Comprehensive coverage or Homeowners ... A: Your homeowners policy would never provide any auto coverage except for loose personal items that ... | |
| Car backed into me in parking lot, but it was an unmarked one-way lane | 3/4/2008 |
| Q: A car backed into me just after i had entered a parking lot in California. I did not know it was one ... A: It is important to report this to your own insurance company and have them deal with the adverse ... | |
| Comprehensive Auto Fire Claim | 3/4/2008 |
| Q: I am in the US Military, and I just got back from deployment. My car had been sitting the whole ... A: Welcome home and thanks for the job you are doing. The comprehensive portion of your policy also ... | |
| How to resolve issue on the difference between the offer and actual purchase price? | 3/4/2008 |
| Q: I understand you have made efforts to provide the best answer, but I still do not understand why I ... A: At no point during our correspondence have you mentioned the year, make and model of your car. ... | |
| Pain and suffuring amount | 3/4/2008 |
| Q: I was rear ended on 2/07/07. The accident happened causing very little damage to either vehicle. ... A: You have two separate claims, one for property damage and one for personal injury. The amount of ... | |
| Liability Question | 3/4/2008 |
| Q: Over four years ago I resided in Ohio and a friend borrowed my car and drove it to Florida. He got ... A: It is important that you make copies of this summons for your own record and immediately get the ... | |
| stolen car | 3/4/2008 |
| Q: I just had my 94 Honda civic stolen. I took excellent car of it. I would like to know the how to ... A: You are entitled to receive a fair market value plus sales tax and a pro-rated reimbursement of your ... | |
| How to resolve issue on the difference between the offer and actual purchase price? | 3/4/2008 |
| Q: I understand you have made efforts to provide the best answer, but I still do not understand why I ... A: I'm sorry, but I can't resolve your issue. All I can do is provide you the information regarding ... | |
| Auto Insurance claim check | 3/3/2008 |
| Q: I recently got rear-ended. It was not my fault, and the at-fault driver's insurance company has ... A: As long as the check is made in your name only, you can do anything you please with the money. You ... | |
| Your comments on determination of the car value | 3/3/2008 |
| Q: I do not agree with the car value made by the at-fault car insurance but do not know whether it is ... A: In your first question, you stated that you were not happy with the amount that you were being ... | |
| Your comments on determination of the car value | 3/3/2008 |
| Q: I do not agree with the car value made by the at-fault car insurance but do not know whether it is ... A: The settling of any insurance claim, be it for a total loss to your vehicle or a claim for personal ... | |
| stolen car Keys | 3/2/2008 |
| Q: My car Keys were stolen from my roommate's car while it was parked down the street from my house. I ... A: I strongly recommend that you take the car to the dealership or a locksmith and have the doors and ... | |
| loss of wages | 3/2/2008 |
| Q: .. I was recently in an auto accident were a young lady ran a stop sign and t-boned me in my car... ... A: You are entitled to be compensated for your medical bills, documented lost wages and an additional ... | |
| inspecting our car | 3/1/2008 |
| Q: We have a 2007 Toyota Corolla, 18000 mi. that was hit in the rear door area and the wheel was broken ... A: If your own insurance company is paying for the repairs to your car, there is probably a clause in ... | |
| Claims handling procdures | 2/29/2008 |
| Q: My question involves a minor son, I was at fault in this and as a result of an auto accident, his ... A: You state that your son's injury was due to your being at fault in an accident. This means that you ... | |
| Accident Claims-pain and suffering | 2/29/2008 |
| Q: i was involved in a "T-bone" style accident where the driver ran a stop sign and hit me. I ran over ... A: All states have a Statue of Limitations within which an injury claim must be settled or a lawsuit ... | |
| insurance won't budge | 2/28/2008 |
| Q: I was wondering if you can help me. My car was hit by a drunk driver while it was parked in front of ... A: In all areas that I am familiar with, the transmission and starter would be considered normal ... | |
| Adjuster came up with price and I don't agree | 2/28/2008 |
| Q: I had a 1998 Ford Escort with 76,500 miles totaled. The adjuster called me and said he would pay me ... A: The prices that you are finding on NADA and Google are the top dollar 'dream' price that the sellers ... | |
| Final Settlement Negotiation Issue | 2/28/2008 |
| Q: Bennie, I didn't get the option of asking this as a follow-up question, so I apologize that it is a ... A: You are correct in assuming that most field adjusters do not have authority to write such a large ... | |
| New 16 year old drive | 2/28/2008 |
| Q: My 16 year old just got her drivers license... I put her on my insurance because she lives with me ... A: Insurance follows the vehicle. Any accident in her dad's car would necessitate filing a claim with ... | |
| Value of totaled vehicle | 2/27/2008 |
| Q: I had a pickup truck that the insurance company totaled out. I purchased it back and repaired it ... A: State laws require that when a vehicle is totaled, it be re-titled as "SALVAGED". This is commonly ... | |
| Settlement offers | 2/27/2008 |
| Q: I was in an accident in June of 07 that was clearly not my fault. The other driver had no insurance ... A: Since this is not a 3rd party claim, but a claim against the company that insured the car that you ... | |
| illegal alien | 2/27/2008 |
| Q: my wife is an illegal alien but i am legal. she was in a hit and run accident that was not her fault ... A: I have to admit, I have never had a question like yours posed to me before, nor have I ever given ... | |
| Liability coverage | 2/26/2008 |
| Q: I own two vehicles (in addition to my primary vehicle) that I seldom ever drive but occasionally ... A: Although most insurance companies provide discounts of up to 40% for each car that exceeds the ... | |
| Forced place auto insurance | 2/26/2008 |
| Q: Can you tell me a bit about forced place auto insurance? How does the process happen? who are the ... A: **************************** FOLLOW UP ***************************** Hi Bobbie, Thank you for your ... | |
| Settlement offers | 2/26/2008 |
| Q: I was in an accident in June of 07 that was clearly not my fault. The other driver had no insurance ... A: The adjuster was honest in her statement that there is no "formula" for settling an injury claim. ... | |
| Personal Injury Settlement Offer | 2/26/2008 |
| Q: I was injured when my airbag deployed during an automobile accident nearly two years ago. I have ... A: The one key missing from your question is the amount of insurance carried by the at-fault party. ... | |
| Insurance Checks at Company | 2/26/2008 |
| Q: Last week I was pulled over and given a DWI. I am in the process of getting it possibly dismissed ... A: Neither your employer nor insurance company are ever notified when you are issued a citation. They ... | |
| auto insurance claim | 2/25/2008 |
| Q: My daughter was involved in an auto accident where another person pulled out in front of her. The ... A: In most states, the insurance law is based on comparative negligence. Even though your daughter was ... | |
| How do I prove who is at fault in minor accident? | 2/25/2008 |
| Q: 1 month ago(Jan 12), I received a call from a police officer stating that a witness left a note on ... A: In my opinion, the best way to handle this would be to take all the letters that you have received ... | |
| Small Claims Court | 2/25/2008 |
| Q: I have noticed that although you do not, most of the other experts are constantly recommending that ... A: Among the 50 states and the District of Columbia, only 8 states DO NOT allow an attorney in small ... | |
| comprehensive auto insurance question | 2/24/2008 |
| Q: we were driving down the expressway and apparently a metal piece was in the road it was dark so you ... A: Anytime that you run over an object on the road or hit a non-moving object such as a tree, pole or ... | |
| Hit a Parked Car. Now What to do | 2/24/2008 |
| Q: today i was going to work . i backed out of my driveway and i was on my way to make a right turn. i ... A: First, you need to make contact with both owners before they make a hit-and-run report to the police ... | |
| Icy road conditions | 2/24/2008 |
| Q: I was driving my car and noticed another car on side of the road i slowed down and slid on black ice ... A: This type accident is called a 'solo loss of control' by the insurance company and you are ... | |
| New Car | 2/23/2008 |
| Q: I recently purchased a brand new VW GTI & when I went to pick up the license plates for my car I ... A: Even though you sold your old car to the VW dealership, if you did not cancel your old policy it ... | |
| i got hit and i need your help asap | 2/23/2008 |
| Q: my name is David i just turn 18 not that long ago,i got hit by a drunk driver hit me and tried to ... A: I'm sorry to hear of your problems. The first thing that you need to do is make a report to your own ... | |
| Motorcycle accident | 2/23/2008 |
| Q: First of all, thanks for taking the time to look at my question. Recently, I was involved in a ... A: In order to properly answer your question, I need a bit more information. Please send me a PRIVATE ... | |
| My truck was stolen | 2/22/2008 |
| Q: In October of 2007 my truck was stolen. I have filled out every form and met with every lawyer they ... A: I have no idea as to the reason for the length of delay in settling your theft claim. In most cases, ... | |
| cleanup cost due to trailer of hay fire on hwy | 2/22/2008 |
| Q: A friend called me and said she has recieved a bill from Cal Trans for $3200.She was driving her ... A: Your friend needs to report this incident to her auto insurance company (the only possible source of ... | |
| Your comments on determination of the car value | 2/22/2008 |
| Q: I do not agree with the car value made by the at-fault car insurance but do not know whether it is ... A: I first answered your question about 4 hours ago, but when I tried to upload my answer to the ... | |
| Pain and Suffering | 2/22/2008 |
| Q: I was involved in an auto accident in January. My injuries required 9 visits to the doctor for over ... A: I am not an attorney. My answer can not be considered legal advice, but simply a recommendation ... | |
| attorney recommendation | 2/22/2008 |
| Q: On 2/6/08 I was in an auto accident. The other party was at fault, the police report says the other ... A: I just saw your question that someone had moved to the question pool instead of answering. The best ... | |
| PIP Claim Check | 2/21/2008 |
| Q: I just receive my PIP check from our Auto Insurance company from my accident last year. The check ... A: The PIP coverage from your fathers policy is obligated to pay ALL of your medical bills, not to ... | |
| PIP Claim Check | 2/21/2008 |
| Q: I just receive my PIP check from our Auto Insurance company from my accident last year. The check ... A: With both your name and the name of the hospital on the check, you will NOT be able to cash or ... | |
| Bodliy Injury coverage for my passengers? | 2/20/2008 |
| Q: I am trying to determine if my Bodily Injury coverage 100/300 will cover 2 of my passengers that ... A: I'm sorry to learn of the injuries to your friends. In most states, anyone except your spouse can ... | |
| who is at fault | 2/20/2008 |
| Q: Parking lot accident. My son was pulling into a parking space (he was 2 feet from the curb and ... A: The person that opened their door had a legal obligation to check for cars entering the parking spot ... | |
| truck hit my house | 2/20/2008 |
| Q: A neighbor blacked out coming down the road and jumped the curb and came through the front door of ... A: Having a medical problem while driving does not relieve the driver from responsibility. USAA has a ... | |
| truck hit my house | 2/20/2008 |
| Q: A neighbor blacked out coming down the road and jumped the curb and came through the front door of ... A: It also sounds crazy to me. I am not aware of any state that has a law that would allow a driver to ... | |
| Insurance Co. won't pay | 2/19/2008 |
| Q: I am trying to help a friend who was in an accident 12 days ago. For every 5 calls I make to the ... A: If your friend carries collision, he/she has the right to have the car repaired by his/her own ... | |
| Insurance claims | 2/19/2008 |
| Q: After an insurance claim has been paid and closed, how long is the company required, by law, to keep ... A: Most states require that closed claims be kept on file for 7 years, although insurance companies are ... | |
| When does it make sense to make a claim? | 2/19/2008 |
| Q: My 19 year old daughter was recently involved in an automobile accident which was her fault. The ... A: Since your insurance company is already aware that your daughter had a fault accident and the ... | |
| Leased vehicle totaled | 2/19/2008 |
| Q: i believe my leased vehicle is totaled and i had 5 payments to go to finish the lease. i have no ... A: A lot depends on your particular lease contract. Most leases today are 'closed end' contracts for ... | |
| Bodily Injury Auto Accident--lawyer? | 2/18/2008 |
| Q: OK. Thanks for taking the time to review my question. I am in Virginia, and had an auto accident ... A: I'm sorry to learn of the seriousness and complications of your injuries resulting from the ... | |
| Car wreck involving a horse | 2/17/2008 |
| Q: I was hit by a drunk driver (his 2nd offense) in Aug. coming back from a trail ride in Austin, Texas ... A: I'm sorry to learn of your accident and the injuries to yourself and your horse. A lot of your ... | |
| CA Personal Injury Codes listings | 2/16/2008 |
| Q: I am in final stages of settlement offer from Insurance Company regarding my no fault auto ... A: I just found your question in the question pool where someone had sent it instead of providing an ... | |
| Denied | 2/15/2008 |
| Q: While I was driving a police officer walked into my lane(middle lane of 3) waving what looked to be ... A: As I understand your statement, you were following the legal orders of a police officer to stop your ... | |
| Is it worth to file a claim, do we have to file a claim ? | 2/14/2008 |
| Q: Our car and home insurance is with one company. Our car was hit in the right passenger door by the ... A: The police never contact your insurance company to report that you have been involved in an ... | |
| parking lot | 2/13/2008 |
| Q: I had a minor accident in the parking lot of my employment. I checked both directions to assure ... A: I'm sorry to hear the final results of your claim were settled at 100% your fault. Under the legal ... | |
| What to do now?? | 2/13/2008 |
| Q: I live in Illinois. I went to an auto shop to make a complaint about the damage done to my wheel ... A: In my opinion, you should report this to your own insurance company, have them repair your car and ... | |
| Weather related accident | 2/13/2008 |
| Q: My 18 year old daughter slid on an icy road in PA and hit a curb. She has damage to her axile. Her ... A: That's a question that only her agent can answer. Every company has rules as to what claims ... | |
| My parked legally parked car was hit. | 2/13/2008 |
| Q: I live in New Jersey. My car was parked legally in front of my house on the street and it was ... A: I really wish that I could be of help, but New Jersey is one of the eleven states with no-fault ... | |
| Auto Transport Claim | 2/12/2008 |
| Q: An Auto Transport Company damaged my vehicle in a cross country move. The damage is about $5000. ... A: I strongly recommend that you file a claim with your own insurance company. That doesn't mean that ... | |
| Personal Auto Coverage | 2/12/2008 |
| Q: My father owns a vehicle (I do not live with him and it is financed) that he lets me drive, due to ... A: ********************* FOLLOW UP ************************************ Hi Jen, Since your question ... | |
| car insurance | 2/12/2008 |
| Q: my son is excluded from my policy i let him use the truck he hit a 1999 cavalier i live in florida ... A: Since your son is excluded from your policy, your insurance company is not going to pay any money to ... | |
| Auto Claim | 2/11/2008 |
| Q: I began an auto claim with my insurance company around 4 months ago. My vehicle was repaired by a ... A: It is quiet common for a body shop to find 'hidden damage' once they start a tear down to repair ... | |
| Is it worth to file a claim, do we have to file a claim ? | 2/11/2008 |
| Q: Our car and home insurance is with one company. Our car was hit in the right passenger door by the ... A: You need to immediately report this accident to your insurance company. Most states have a law that ... | |
| cr accident | 2/11/2008 |
| Q: I was rear ended nov 29, 07 in sacramento, california while stopped at a red light. the at fault ... A: I'm sorry to learn of your pain and injuries and know based on my own experience that severe injury ... | |
| dui / hit & run | 2/11/2008 |
| Q: First off, thank you for being available to those of us who aren't so knowledgeable in the insurance ... A: I really wish that I could be of help. Since Pennsylvania is one of the eleven states that have ... | |
| auto insurance claim denied | 2/11/2008 |
| Q: my daughter and i rented a van in July. we were in an accident. now the insurance in trying to deny ... A: Just to be sure that I am providing the correct answer, this is the way that I understand your ... | |
| What can be related to the calculation of the compensation for pain suffering? | 2/9/2008 |
| Q: The property loss should be unrelated, right? Assuming the pain suffering can be multiplied the ... A: I'm sorry that there is still a misunderstanding. As stated in the first sentence of the first ... | |
| Finding Automobile License Registration | 2/9/2008 |
| Q: Is there a way to find out who is the owner of a particular Automobile License Number? A: In most states this can only be legally done by a police officer or an insurance company. If you ... | |
| Is it worth it to file a claim? | 2/8/2008 |
| Q: I have one insurance policy for my home, auto, and umbrella. I recently submitted a claim through my ... A: Most insurance companies flag a claim as 'chargeable' if the total damages exceed $500, others at ... | |
| What can be related to the calculation of the compensation for pain suffering? | 2/8/2008 |
| Q: The property loss should be unrelated, right? Assuming the pain suffering can be multiplied the ... A: Loss of sick leave is a loss of wages because that amount of time is no longer available to you in ... | |
| New car, no collision. | 2/8/2008 |
| Q: My sister bought a new car with cash and shortly after, she wrecked the car only to find out that ... A: Although the insurance company is not required to have an insured client sign any kind of document ... | |
| auto insurance claim denied | 2/8/2008 |
| Q: my daughter and i rented a van in July. we were in an accident. now the insurance in trying to deny ... A: In order for me to better answer your question, please send a follow-up and let me know which person ... | |
| Fraudulent Auto Claim | 2/7/2008 |
| Q: I I got into an accident a month ago- boy in his 20's was reversing on a street- I beeped at him- as ... A: Both insurance companies are required to accept the statements of their clients as being truthful ... | |
| What can be related to the calculation of the compensation for pain suffering? | 2/7/2008 |
| Q: The property loss should be unrelated, right? Assuming the pain suffering can be multiplied the ... A: You are correct, the property damage is totally unrelated to the value of your injury claim. Dealing ... | |
| Injured a dog while delivering pizza to a customer | 2/7/2008 |
| Q: I was driving up to a house while delivering a pizza they had ordered. They had 2 Great Danes that I ... A: I agree with you that any responsible dog owner should control their animals when they are expecting ... | |
| help me ;) | 2/7/2008 |
| Q: I found myself traveling east bound on a major rd behind two cars. It was snowy and icy and out of ... A: It's certainly worth a try. Although all states have a law that you must drive in such a manner as ... | |
| Not getting anywhere | 2/6/2008 |
| Q: Bennie, I am not sure how much you deal with personal injury claims, but I hope you can help. I was ... A: You should really be able to settle a 'soft tissue' injury directly with the adverse insurance ... | |
| parking lot | 2/6/2008 |
| Q: I had a minor accident in the parking lot of my employment. I checked both directions to assure ... A: You need to report this accident to your own insurance company immediately. You need to also file a ... | |
| Another accident before first settlement | 2/5/2008 |
| Q: My father had accident last year, with DUI person hitting side of the car, totalling the unit of his ... A: No matter how the doctor handles his records, there are going to be complications. Each of the ... | |
| School bus passenger hit in other state | 2/5/2008 |
| Q: I work for a hospital in Utah where a patient was a passenger on a school bus. The patient is from ... A: In my opinion, your first billing would be to the school's auto insurance or the patients personal ... | |
| Auto Insurance Claim Vintage Mustang | 2/5/2008 |
| Q: Last week, I was driving my 1966 Mustang home after having some minor upkeep done. I stopped at a ... A: In my opinion, your fears are unfounded about having to pay back your own insurance if they are ... | |
| Auto Insurance Claim Vintage Mustang | 2/5/2008 |
| Q: Last week, I was driving my 1966 Mustang home after having some minor upkeep done. I stopped at a ... A: First of all, DO NOT endorse and deposit the check. Secondly, based on the value of your '66 ... | |
| Roommate borrowed car and totalled it | 2/4/2008 |
| Q: My current roommate borrowed my car and was involved in an accident which was caused by another ... A: I'm sorry to hear of your problem. Based on the fact that you had previously given your roommate ... | |
| Auto Coverage | 2/4/2008 |
| Q: I have two questions. Number 1, My sister, 24 bought her first car from our cousin, a car dealer. ... A: Under insurance law, you can not insure something that you don't own or have a legal interest in ... | |
| My truck, my choice | 2/4/2008 |
| Q: my truck was hit and the at-fault drivers' insurance,(Allstate),has accepted responsibility for ... A: The motor vehicle laws in most, if not all states, require that when an insurance company totals a ... | |
| settlement amount to ask for of at fault drivers ins co | 2/3/2008 |
| Q: Auto accident happened 7/23/07 in Florida. I have received payment for my car which was totaled. We ... A: It is highly unlikely that there is an Umbrella Policy in existence. Companies that write umbrella ... | |
| settlement amount to ask for of at fault drivers ins co | 2/3/2008 |
| Q: Auto accident happened 7/23/07 in Florida. I have received payment for my car which was totaled. We ... A: I'm sorry to learn of the injuries to you and your grandchildren. Thankfully, it appears that no one ... | |
| texas insurance | 2/3/2008 |
| Q: i was told by insurance company that i denied car rental coverage. when i took my vehicle to repair ... A: Being in California, I have never seen the form that you refer to. If you will scan the document ... | |
| how much can I expect | 2/2/2008 |
| Q: I was involved in a accident one afternoon when I was at a intersection about to make my left hand ... A: Based on your earlier statements of your injuries and your $5,000 in specials, an offer of $5,800 is ... | |
| Motorcycle theft | 2/2/2008 |
| Q: I had a 2007 motorcycle. I was stolen 5 days ago. I immediately called the cops and insurance ... A: I'm sorry to hear of your problem. Theft is covered under the 'comprehensive' portion of your ... | |
| Cancelling my insurance. | 2/1/2008 |
| Q: So, on December 30th I got into a car accident that was my fault for failing to yield the right ... A: With most companies, when you have your insurance on a monthly payment plan, A payment does not ... | |
| parking lot ding | 2/1/2008 |
| Q: We are in Missouri. This a.m. my son was pulling into a parking lot when the student next to him ... A: Generally, parking lot accidents are a bear to handle, but, in this case your son has witnesses ... | |
| Accident on Borrowed Car | 1/31/2008 |
| Q: A friend borrowed my car and hit someone in the parking lot. My insurance company is Geico. The ... A: I am assuming that you are posing the possible rate increase question to the adjusters handling the ... | |
| Cancelling my insurance. | 1/31/2008 |
| Q: So, on December 30th I got into a car accident that was my fault for failing to yield the right ... A: Any accident that took place before the date you cancell the insurance is covered by your policy. I ... | |
| Victim in a head on collision by a drunk driver with liability | 1/31/2008 |
| Q: 18 months ago a drunk guy hit me head on going 60mph. I ended up having to use a wheel chair and ... A: Yes, the amount owed to the hospital would be subtracted from your settlement from this injury claim ... | |
| bodily injury if my car was stolen | 1/30/2008 |
| Q: Can i be sued in the state of florida for bodily injury if my car was stolen? My car was stolen by ... A: If you give someone in your household permission to drive your car one or more times and they know ... | |
| accident | 1/29/2008 |
| Q: if you get in to a accident and you are still making payments on the car and you file a claim do you ... A: As long as there is a lender on the car, any check for damages will be made jointly to you and the ... | |
| Parking lot attendant hit another car while parking my car | 1/29/2008 |
| Q: Should I file a claim with my insurance company? Will my insurance company then go after the parking ... A: Since the parking attendant was driving your car, the insurance carried by the parking service ... | |
| Auto insurance claim | 1/29/2008 |
| Q: My wifes mother added my wifes name to her car title in case she were to die, so the car would go to ... A: Since your wife is legally a co-owner of the car, she will also be named in any lawsuit. Hopefully, ... | |
| Accident on Borrowed Car | 1/28/2008 |
| Q: I recenty got into an accident with a friends car. I know that as the owner, they use his insurance ... A: It's very commendable of you to want to take financial responsibility for the accident, but that is ... | |
| Auto Accident - Son not on policy in MD | 1/28/2008 |
| Q: I am a resident of Maryland. My son, age 18, who received his license in the past 2 months, was ... A: Without question, you need to immediately report this accident to your insurance company along with ... | |
| settlement out of pocket | 1/10/2008 |
| Q: I rearended (myfault) another car recently in NY, the cop asked us to exchanged our insurance. the ... A: You should inform your insurance company of this accisent in case the other party later decides to ... | |
| Hit & Run Accident 12/5/07 | 1/10/2008 |
| Q: I just want to give you a little back ground on this situation. I was involved in a hit and run on ... A: Based on the wording of your first question, it appears that you made a police report without a ... | |
| Hit & Run Accident 12/5/07 | 1/9/2008 |
| Q: I just want to give you a little back ground on this situation. I was involved in a hit and run on ... A: When you file your claim, it will be against the other driver and in small claims court. Yes, the ... | |
| Settlement | 1/9/2008 |
| Q: My wife was hit on 3/15/05 and the other person's insurance company admitted fault. My wife has ... A: A fair settlement for your wife's injuries would be based on a factor times her total 'economic ... | |
| claim withdrawal | 1/8/2008 |
| Q: I bumped a car on the parking lot of a grocery store. I believe it was 50- 50 fault because both ... A: Most states set a limit of at least $500 damage that was your fault before they consider the claim ... | |
| Stolen Auto | 1/7/2008 |
| Q: My daughter loaned her car to a friend that drove it out of state (CA. to Las Vegas) where it was ... A: Your daughters friend does not have a 'legal' responsibility to replace the car, but if she carries ... | |
| i rear end car | 1/7/2008 |
| Q: Hey, A few days ago i rear ended a wrx whilst it braked hard on a "fresh" yellow light, only minor ... A: Depending on your state of residence, if he reports this to his own insurance company, they will ... | |
| low ball repair | 1/7/2008 |
| Q: i was offered 5800 to begain repairs on my 99 gmc 2500 after a rear end at 60 mph. damage was not ... A: I'm sorry to hear of your problem, but I see no way around your delima unless the shop is able to ... | |
| car door scratch issue | 1/6/2008 |
| Q: Bennie I have BMW and have full coverage with 500 deductible under GEICO. recently I scratched side ... A: To the best of my knowledge, GEICO will increase your rate for at least 3 years for having a fault ... | |
| Ice & collision fault | 1/6/2008 |
| Q: I was diving in Idaho and spun out an dropped (overturning) on a canyon road due to a patch of ice ... A: In insurance terms, you had a 'solo loss of control' accident. Since there is no 3rd party that ... | |
| Granddaughter's (adopted daughter) auto accident | 1/6/2008 |
| Q: I am handling my granddaughter's settlement. (She is 21 but unsophicated as to her best interests). ... A: Generally speaking, a fair settlement for pain & suffering is a factor times your grandaughter's ... | |
| how much can I expect | 1/5/2008 |
| Q: I was involved in a accident one afternoon when I was at a intersection about to make my left hand ... A: Your expectations of a $20,000 settlemet for $5,000 in 'specials' is unrealastic. If you have ... | |
| how much can I expect | 1/4/2008 |
| Q: I was involved in a accident one afternoon when I was at a intersection about to make my left hand ... A: ************************ FOLLOW UP ********************* Hi Vonswell, No, You should make a demand ... | |
| 1979 Datsun 280ZX total loss | 1/4/2008 |
| Q: A lady changed lanes into my 79 Datsun 280ZX. She claimed 100% fault to the police officer nearby. ... A: Sorry, but you are only entitled to payment from the adverse company, nothing from your own company. ... | |
| auto accident | 1/4/2008 |
| Q: My 18 year old daughter let her boyfriend drive her car and he ran a red light and was broadsided. ... A: In order to file a claim against the boyfriend's insurance, this must have been just an OCCASIONAL ... | |
| totaled someone else's vehicle | 1/3/2008 |
| Q: my son totaled a friend's vehicle. He was given permission to drive the vehicle. Who's insurance ... A: The insurance policy on the vehicle always applies first. Your son's policy stands in the background ... | |
| can I get a medical injury settlement | 1/3/2008 |
| Q: I tried to avoid hitting a deer and rolled my vehicle in a ditch. I had my seat belt on but did hit ... A: I'm sorry to learn of your unfortunate incident with the deer. If you carry Auto Medical Payment ... | |
| Bicycle-Auto | 1/2/2008 |
| Q: I was struck by an automobile going the other direction, crossing my lane, turning into a suburb on ... A: ************************** FOLLOW UP ********************* Hi William, Yes, the total demand of 3.2 ... | |
| insurance claim | 1/2/2008 |
| Q: This is regarding an auto insurance claim. My mother had borrowed my car and was hit while making a ... A: First of all, your insurance company is not going to pay their policy limits and abandon you. After ... | |
| claim time | 1/1/2008 |
| Q: I was involved in an accident on november 16. it was a no fault accident. I notified my ins. comp. ... A: There is absolutely no excuse for this kind of delay. You need to immediately file a complaint with ... | |
| Question Continued | 12/31/2007 |
| Q: I asked a question regarding the Multi-Car Indiana Accident on 12/29/07 where I am 100% not liable ... A: Although some health insurance plans have a clause that gives them the right of recovery from your ... | |
| indiana auto claim | 12/31/2007 |
| Q: my son, and active us sailor, was home on holiday leave and was struck by another insured driver and ... A: I'm sorry to learn of your son's problems. If he carries full coverage (including collision) on his ... | |
| Multi-Car Crash W/ Injury Last Week-Indiana | 12/29/2007 |
| Q: Last week on a 2-way street, my kids (sons 3 &4) and I were on our way to church when a young girl ... A: You have paid an annual premium for medical payment coverage. You have every legal right to demand ... | |
| Multi-Car Crash W/ Injury Last Week-Indiana | 12/29/2007 |
| Q: Last week on a 2-way street, my kids (sons 3 &4) and I were on our way to church when a young girl ... A: Yes, you can have Indiana Farm Bureau pay the medical bills up to $5,000 per person without the ... | |
| Multi-Car Crash W/ Injury Last Week-Indiana | 12/29/2007 |
| Q: Last week on a 2-way street, my kids (sons 3 &4) and I were on our way to church when a young girl ... A: I'm sorry to hear of your and your childs injuries and do wish you both a full and speedy recovery. ... | |
| Diminished Value Claim | 12/29/2007 |
| Q: A man pulled out in front of me and I T-Boned him. It was his fault completely and he admitted it to ... A: Depending on the year, make, model and value of your car, a diminished value claim is usually worth ... | |
| pedestrian fraud | 12/28/2007 |
| Q: In Jan. 2007, we were stopped awaiting to exit a casino, here in Las Vegas (our home of 30+yrs). ... A: Your insurance company has the legal right to handle this matter by whatever method they deem least ... | |
| What happens when a lease is totalled | 12/28/2007 |
| Q: My car that I currently lease was involved in a roll over accident. I believe it will be considered ... A: If your car is totaled, you will be paid a 'fair market value' for the vehicle. Unless you ... | |
| How much is a fair settlement | 12/28/2007 |
| Q: This is in follow up to a previous question I had relating to a car accident I was in earlier this ... A: **** 4-21-08 *** FOLLOW UP ******** 4-21-08******** 4-21-08 **** Hi Carolyn, I just got your 2/19 ... | |
| hit and run while parked | 12/28/2007 |
| Q: simple question, my car was parked on the street, someone came and crushed into it at night. No ... A: You need to make a police report including the location and description of the other car. Detailed ... | |
| Hit and run | 12/27/2007 |
| Q: My car was hit by a backing driver while my car was parked. Several damaged was done to the front ... A: If you haven't already done so, you need to contact the driver of the adverse car, learn his ... | |
| insurance will only pay 50% of estimit. | 12/27/2007 |
| Q: 11-5-2007 my car was rear ended while my boyfriend was driving through a parking lot. The damage was ... A: No, the insurance company can't reduce your settlement for the grounds stated. An even larger ... | |
| Recoupment for loss of use of leased vehicle | 12/26/2007 |
| Q: My leased vehicle (2006 Infiniti M45, 25k miles) was rear-ended in an accident back in October. The ... A: Your own, or the at fault insurance company should be providing you with a rental car while your car ... | |
| Question about driver at fault | 12/26/2007 |
| Q: I was driving on a interstate and I saw on the road a debris from other car (probably piece of rear ... A: Unfortunately, yes. If the item had been bouncing and moving on the roadway and hit your grill, ... | |
| Accident with uninsured and unlicensed driver | 12/26/2007 |
| Q: I'm in Florida where our no-fault rules expired on 10/1/2007. They do not go into effect again ... A: Florida insurance law applies since this was the location of the accident. If you currently have a ... | |
| claim status | 12/26/2007 |
| Q: i submitted a claim almost 2 weeks ago to the driver who hit me insurance company they have not ... A: Most states also require that you report the accident to your own insurance company so they can file ... | |
| Bicycle hits car | 12/26/2007 |
| Q: We live in Key West and for the most part get around on our bicycles (more earth friendly). My ... A: Claims such as this do not fall under your auto insurance policy. The fall under the liability ... | |
| auto accident | 12/26/2007 |
| Q: I was recently involved in a rear-end collision, I was not at fault, but have hurt my back and knee. ... A: I'm sorry to hear of your injuries and do wish you a speedy recovery. Before leaving South Carolina, ... | |
| sign hit car at McDonald's | 12/25/2007 |
| Q: I pulled up to a McDonalds drive thru, one of the signs blow over. It was placed to close to the ... A: I agree that the damage to your car should be covered by McDonalds. You should report this to your ... | |
| Question about fault | 12/25/2007 |
| Q: I was in an accident 2 days ago. It was raining and dark out, and I hit a patch of water that caused ... A: Every state has a law that requires the vehicles behind you to drive in such a manner that they will ... | |
| car/deer accident | 12/25/2007 |
| Q: I was involved in a car/deer accident today the deer was unavoidable and in a running motion I am in ... A: Sorry about the deer, hope you are OK. No, The state will not pay your deductible. Striking a wild ... | |
| Guidance | 12/24/2007 |
| Q: I was involved in a multiple car accident in Oct. 2007. A young lady crossed 5 lanes of traffic and ... A: I'm sorry to learn of your injuries and do wish you a full recovery. Since this injury fell under ... | |
| Auto Insurance Cancelled despite payments each month, then an accident. | 12/23/2007 |
| Q: I have had Auto and Home insurance with my company for two years. About 3 months ago I added a new ... A: If I understand your question correctly, your payments were due on the 23rd of each month. Many ... | |
| salvage title vehicle | 12/23/2007 |
| Q: My 19 year old son was just involved in a collision with one of our vehicles. The other party ... A: A salvage title usually reduces the vehicle's value by 50% as opposed to the fair market value of ... | |
| Claims Adjuster Jobs | 12/23/2007 |
| Q: Bennie, I'm closing in on a 22 year career in the Air Force with 19 of those years in computers and ... A: I agree that your education and computer skills are excellent background for a new career in being a ... | |
| Possible insurance fraud | 12/23/2007 |
| Q: I was rear ended and knocked into the car ahead of me. Liability is not in question. I took a few ... A: Yes, I think it would be a good idea to share your photos with the at fault insurance company. At ... | |
| personal injury | 12/23/2007 |
| Q: I was in an automobile accident a year ago and I have not yet closed my case. After the accident my ... A: I rarely recommend an attorney, but I feel that you have no choice since the Insurance Company has ... | |
| Intersection Accident | 12/22/2007 |
| Q: I am in the state of PA. Last Wed I was driving down Price St when a woman pulled out right in front ... A: Since most insurance offices are going to be closed until the 26th, the best suggestion I can make ... | |
| My 16 year old son was hit head on | 12/22/2007 |
| Q: My 16 year old son was hit head on by a driver who admitted fault. My son was hospitalized for 16 ... A: ********************* FOLLOW UP ************************* Hi Laura, Although I stated that your ... | |
| Valet Joy Ride | 12/21/2007 |
| Q: Mercedes Benz 07 CLS 550,$83k. Valet wrecks on a joy ride while my wife and I dine. Valet company ... A: The quality of the repair work should be be sufficient to only leave you with the bad memory of how ... | |
| Auto and/or P&C Claims | 12/21/2007 |
| Q: I am doing some research on developing commercial software that will read claim adjuster notes and ... A: It sounds like you are embarking on a very worthwhile project and I wish I could be of help. ... | |
| Who is responsible for insurance deductible? | 12/20/2007 |
| Q: My finance recently started driving commercial truck for a company that owns their own vehicles. The ... A: Sorry, but your personal policy does not follow your fiancee to a commercial vehicle. He needs to ... | |
| Other driver claims injury | 12/20/2007 |
| Q: I was involved in a minor fender bender over a month ago while stopped at a red light (I thought the ... A: You need to make an immediate report of this accident to your insurance company. Even though you ... | |
| 3rd party claim and refusal of new parts | 12/20/2007 |
| Q: I was rear-ended by another motorist. Her insurance company is refusing to put new parts on my car ... A: The insurance company is only obligated to repair the sheet metal damage with 'like kind and ... | |
| Do I pay my deductible? | 12/20/2007 |
| Q: My vehicle was recently hit in a parking lot. There were no witnesses and the other driver didn't ... A: You will need to read the legal wording in your policy booklet for the definition of an 'Uninsured ... | |
| injury settlement | 12/20/2007 |
| Q: I was involved in an accident back in july. I was sent to theraphy for 2 months and it didn't do ... A: Do NOT send anything to the claims adjustor. She wants to review your case and make an 'offer'. ... | |
| Just wondering? | 12/19/2007 |
| Q: i just received the check for the total estimate calculated from the insurance company, i was ... A: Carefully read any typed or stamped statement on the back of the check. It may very well say that by ... | |
| ran into wall | 12/19/2007 |
| Q: I ran into pillar while pulling my car out of the parking lot. I have collision and comprehensive. ... A: Yes, your company will repair your car under the collision portion of your policy, less the amount ... | |
| Guest Driver Coverage | 12/19/2007 |
| Q: My daughter attends college out of state and has her car on campus. She had planned to leave her ... A: A very bad idea. I hope you can talk to your daughter and change her mind. Once you gave her ... | |
| totaled car | 12/19/2007 |
| Q: Someone ran a stop sign and ran right into me. Almost a head on. I was driving on a straight away ... A: You neglected to tell me your state of residence in your first question. Stick to dealing with AAA. ... | |
| Accident not my fault | 12/19/2007 |
| Q: Traveling north in center of 3 lane road. TL green. Car makes left turn from south lane to east ... A: Glad to hear that your body held together better than the truck. No, they will not replace your ... | |
| totaled car | 12/19/2007 |
| Q: Someone ran a stop sign and ran right into me. Almost a head on. I was driving on a straight away ... A: Blue Book is just a guideline and bears no true indication on what the car is actually selling for ... | |
| Find out what insurance carrier somebody uses | 12/19/2007 |
| Q: I was hit by an elderly driver who refuses to give me his insurance information. He gave me his name ... A: _________________ FOLLOW UP ________________________________ Hi Sheldon, Your own insurance should ... | |
| Abs unit | 12/18/2007 |
| Q: My car got hit in at work in the parking lot. the insurance paid for the body repair and and is ... A: Unlike the sheetmetal work, the mechanical items in your car are considered 'depreciable', based on ... | |
| insurance for a guest driver | 12/18/2007 |
| Q: My son was given permission to drive his father-in-law's car, and slid on some ice into another ... A: Yes, since he had permission to use the car, the insurance policy on the car is always 'primary'. I ... | |
| Valet Joy Ride | 12/18/2007 |
| Q: Mercedes Benz 07 CLS 550,$83k. Valet wrecks on a joy ride while my wife and I dine. Valet company ... A: ###################### FOLLOW UP ###################### Hi Samuel, I somehow missed a portion of the ... | |
| Auto Insurance | 12/18/2007 |
| Q: Can the lienholder repossess the vehicle and settle your claim with the insurance company and then ... A: When a vehicle is repossessed, you still own a remaining balance if the car is repaired, sold at ... | |
| 10/18/07 Car accident | 12/18/2007 |
| Q: To start with my husband and daughter were involved in a car accident on 10/18/07. Our car was ... A: I'm sorry to hear about the seriousness of the injuries to your loved ones and hope they both make a ... | |
| borrowed my boyfriends car | 12/18/2007 |
| Q: I had borrowed my boyfriends car and was in a minor accident. It was my first experiance and was in ... A: You should have filed a claim during that first telephone call to your boyfriends insurance company. ... | |
| settlement? | 12/18/2007 |
| Q: I was rear ended on Nov 14 and my pick up truck did great (minimal damage). The other person's ... A: I'm sorry to hear of your injuries and do wish you a speedy recovery and certainly hope that you ... | |
| Liability only on a totaled auto on loan | 12/18/2007 |
| Q: A friend of mine had full coverage on her truck with Farmers Ins. Her policy was renewed a few ... A: I'm sorry to hear about your friends problems and the fact that Farmers is now removed common sense, ... | |
| left turn fault | 12/17/2007 |
| Q: I was sitting in the parking lot wanting to make a left turn across three lanes. The lane directly ... A: From your description of the accident, it sounds like the person coming from your left had the ... | |
| Replacement option for totaled car | 12/17/2007 |
| Q: We have an 1986 Mercedes that our 18 y/o daughter drives. She was rear ended while preparing to ... A: You are definitely going to be temporally out the $500 deductible, but your company will reimburse ... | |
| Insurance or No Insurance | 12/17/2007 |
| Q: I was driving a vehicle owned by my employer. I had sold my vehicle a few weeks earlier and they ... A: You can have an SR-22 (if required) added to your existing policy. An SR-22 is usually required for ... | |
| Insurance or No Insurance | 12/17/2007 |
| Q: I was driving a vehicle owned by my employer. I had sold my vehicle a few weeks earlier and they ... A: The Insurance ID card merely indicates that coverage was in force when the plates on the car were ... | |
| Replacement option for totaled car | 12/17/2007 |
| Q: We have an 1986 Mercedes that our 18 y/o daughter drives. She was rear ended while preparing to ... A: Since your daughter was not at fault, this accident will never have an affect on your rates. In my ... | |
| claim settlement | 12/16/2007 |
| Q: I was involved in an accident with 3 other passengers. It was the other's party fault. We all have ... A: Each person will settle their own claim as they finish treatment and are released by their own ... | |
| I WAS HIT! | 12/16/2007 |
| Q: I was hit today by a pick up truck at the gas station. He was backing up too fast (with ice and ... A: Once you call his insurance company and file a claim, you should haveo problem getting your car ... | |
| rearended | 12/16/2007 |
| Q: i was involved in a car accident on Thursday where i was exiting a shopping center and awaiting to ... A: Call your insurance immediately and inform them of the witness. This could make a world of ... | |
| Car hail damage | 12/16/2007 |
| Q: I have not told my insurance company about the hail damage to the my fully paid car. I have a ... A: The longer that you hold off reporting the hail damage, the less likely it is to be covered. Your ... | |
| rearended | 12/15/2007 |
| Q: i was involved in a car accident on Thursday where i was exiting a shopping center and awaiting to ... A: Sad to say, but you will be found 100% at fault since you have no witness. You need to report this ... | |
| FMV 3/4 pu w/dump bed in Texas | 12/15/2007 |
| Q: Not at fault accident, totaled my '68 3/4 ton Chevy p/u. I have had this vehicle for 28 years. It ... A: The odds are greater than 99% that you will not be able to find a truck like yours. You need to ... | |
| liability? | 12/15/2007 |
| Q: I got in a minor fender bender in downtown San Francisco between both Moscone Centers while a dental ... A: The situation that you were in happens a few thousand times per day here in the bay area. Usually, ... | |
| Drove over curb and into wall | 12/14/2007 |
| Q: Somewhat after 10pm last night I turned onto a small road in my neighborhood. A big truck was ... A: You can report this to your insurance company and they will repair your car, less your deductible. ... | |
| Auto Insurance Coverage Borrowed Vehicle | 12/12/2007 |
| Q: A friend borrowed my car and caused $5,000 damages. Will his auto insurance cover his accident ... A: Under Insurance Law in all states, the owner of the vehicle and his insurance policy are the first ... | |
| what do i drive in the mean time?? | 12/11/2007 |
| Q: I was recently involved in car crash. I was west-bound on a three lane street and the other party ... A: Like you, I am sorry to learn of the death of the other driver. Since there was a very complete and ... | |
| Auto Insurance Claim | 12/10/2007 |
| Q: I had an accident in a university parking lot. I hit the other vehicle because she did not stop at ... A: I normally would have been able to answer your question within 2-4 hours, but this week has not been ... | |
| 3 car accident, least/no damage to me. | 12/10/2007 |
| Q: I was recently involved in a 3 car accident. I was the 3rd car and the 1st car being the vehicle ... A: I normally would have been able to have answered your question within 2-4 hours. Things are not ... | |
| auto accident | 12/10/2007 |
| Q: Some guy pulled out in front of my husband almost a month ago. My husband swerved to miss him & hit ... A: If you haven't already done so, you need to make a report to your own insurance company. Most ... | |
| car insurance claim dispute | 12/10/2007 |
| Q: I was in a weather related car accident no was ticketed. My car is a 2007 PT Cruiser and received ... A: Sorry to hear of your accident. Without even checking, I know that the value of your '07 PT cruiser ... | |
| what do i drive in the mean time?? | 12/9/2007 |
| Q: I was recently involved in car crash. I was west-bound on a three lane street and the other party ... A: You need to contact the insurance company of the at fault driver and file a claim for your car ... | |
| Don't notify insurer after moving | 12/9/2007 |
| Q: I'm moving to southern CA from Florida in a few weeks. My current policy doesn't renew until March. ... A: So, you decided to trade the land of Hurricanes for the land of Earthquakes, Mud Slides and Forest ... | |
| car accident | 12/9/2007 |
| Q: my 19 year old daughter was involved in a car accident recently. She was not the driver but a ... A: Once fault is determined, her claim is against the party who was at fault in the accident. Many ... | |
| auto accident | 12/9/2007 |
| Q: I was recently involved in an auto accident. I was a passenger in a rental vehicle of which the ... A: I am sorry to hear of your serious injuries and do wish you a full recovery. Since you have obtained ... | |
| Insurance Claim | 12/9/2007 |
| Q: My son was a passenger on a city bus in which the driver entered an intersection on a yellow/red ... A: The offer of $8,500 doesn't come 'off the table' until he actually secures an attorney. With ... | |
| Auto accident | 12/8/2007 |
| Q: My 18 y/o daughter was involved in an accident. She was driving through an intersection with a ... A: A lot depends on the credibility of the witness and if his statement became a part of the police ... | |
| reasonable settlement | 12/8/2007 |
| Q: I am trying to figure out what would be reasonable to settle with. See I was rear ended at a red ... A: The statue of limitations in Maryland is three years. This means that you must have this case fully ... | |
| Insurance Claim | 12/8/2007 |
| Q: My son was a passenger on a city bus in which the driver entered an intersection on a yellow/red ... A: I'm sorry to learn of your son's injury and glad to hear that he is on the road to recovery. You did ... | |
| Insurance company arrest record access | 12/8/2007 |
| Q: I just read that some insurance companies will raise your rates for just being arrested for a DUI or ... A: Every insurance company secures your driving record from the department of motor vehicles when the ... | |
| reasonable settlement | 12/8/2007 |
| Q: I am trying to figure out what would be reasonable to settle with. See I was rear ended at a red ... A: Since your doctor feels that there is a strong possibility that you will need more treatment, there ... | |
| State Farm denial to repair | 12/8/2007 |
| Q: My passenger car window was smashed, purse stolen-Window okayed for replacement but paint nicks ... A: A lot depends on the age of your car. Paint is a depreciable item. The average life expectancy of ... | |
| Other party avoiding adjuster? | 12/7/2007 |
| Q: I was involved in an auto accident a week ago. The claim, in my opinion, *should* be fairly cut and ... A: If you have full coverage, my advise is that you have your own company repair your car (less your ... | |
| Liability on accident | 12/7/2007 |
| Q: Backing out of my garage in a condo development I put a fist-sized dent into a truck illegally ... A: I'm sorry, but anytime that you collide with a non-moving object, be it an parked vehicle, tree or ... | |
| children in an accident | 12/7/2007 |
| Q: My wife and three children were all involved in an accident 3 months ago and we live in Missouri. ... A: Since your own company has made a far better offer for the damage to your car, you should deal with ... | |
| State Farm settlement - salvage title issues - attorney trying to get more than suppose to | 12/7/2007 |
| Q: Purchased and financed care from Drummy olds that had a salvage title, but did not inform me of this ... A: I have never seen a retainer agreement that contained the wording .... 'unless the award or ... | |
| slid on ice on business parking causing damage on my front end towed to shop | 12/6/2007 |
| Q: i live in central nj going to work pulling into my job my car slid on ice -they never put any salt ... A: State law requires that you adjust your driving to take into account traffic and road conditions. I ... | |
| Auto accident insurance claim | 12/6/2007 |
| Q: My 20 year old daughter was rear-ended in TX at a stop light by a person travelling approx. 25 mph ... A: You never mentioned the exact date of the accident. The standard wording in an insurance policy is ... | |
| "Impossible to damage spark plugs in a collision." | 12/6/2007 |
| Q: I was in an accident last week where I was rear-ended and knocked into the car stopped in front of ... A: I an not a qualified mechanic, but I have been a licensed driver for 50 years and know that spark ... | |
| AUTO INSURANCE | 12/6/2007 |
| Q: I LIVE IN A APARTMENT COMPLEX AND BRANCHES HAVE BEEN FALLING FOR SOMETIME NOW DUE TO THEM BEEING ... A: Does your apartment complex have a resident manager or owner? The situation of the falling tree ... | |
| I was in a wreck almost a year ago and I have a question?? | 12/6/2007 |
| Q: I was in a car accident in January a lady ran a red light and hit me on the Front side hard! My 3 ... A: Since you already have an attorney, part of his job is to do a deep research to see if the lady has ... | |
| I was in a wreck almost a year ago and I have a question?? | 12/6/2007 |
| Q: I was in a car accident in January a lady ran a red light and hit me on the Front side hard! My 3 ... A: I'm sorry to learn of your serious injuries and do wish you a full recovery. In Texas, the Statue of ... | |
| Minor damage | 12/6/2007 |
| Q: I was in an accident in couple of months ago. After investigation, my insurance company sent me a ... A: In California, any accident in which you are at fault and the amount of damage is $750 or more is ... | |
| Auto Insurance | 12/5/2007 |
| Q: My 23 year old son just started living with me. He currently claims his mothers adress as his own, ... A: If your son is going to be residing with you, it is best that you add him to your policy and have ... | |
| i was hit by a drunk driver in my dads 87 chevy | 12/5/2007 |
| Q: my question is since i was hit from the rear in a 1987 chevy monte carlo ss just reached classic in ... A: It is normal to expect the insurance company to try to settle the damage for the least amount ... | |
| Is really this is the law | 11/30/2007 |
| Q: I am new to US only 4 months I been here. I involved in an accident with my rental car last week ... A: Every state has a law saying that you must drive in a manner that would enable you to stop no matter ... | |
| Rental Car Coverage | 11/30/2007 |
| Q: I was in an accident and the other party was at fault. The other party's insurance got me a rental ... A: It is normal and standard that the rental coverage ceases the day that you sign the release and ... | |
| Settlement | 11/29/2007 |
| Q: My wife was involved in an auto accident last December. She was driving down a four lane street and ... A: The contract that you signed allowing the attorney to represent you gave him full power to present ... | |
| Auto accident insurance claim | 11/28/2007 |
| Q: My 20 year old daughter was rear-ended in TX at a stop light by a person travelling approx. 25 mph ... A: Since your own company is offering an injury settlement, it's very clear that the other party was ... | |
| claim denied | 11/28/2007 |
| Q: My wife was t-boned on 09/25/2007 which totaled our car that was paid for.My wife suffered injuries ... A: I read your question within 10 minutes after it was written. I have spent over 2 1/2 hours on the ... | |
| Demand Letter | 11/28/2007 |
| Q: I am in the process of sending a demand letter to my auto insurance company for policy limits under ... A: It would have been very helpful if you had provided me with some background information such as your ... | |
| Person who caused accident lying to insurance co. | 11/27/2007 |
| Q: first, I suppose I should state that my question involves an incident that took place in Kentucky. ... A: I'm sorry to hear of your accident and extremely thankful that your unborn child appears OK. Be ... | |
| Wrecked car, summons to court. | 11/27/2007 |
| Q: Okay so how many characters? But really , thanks for reading my question. First I guess I'll ... A: The only things that void your coverage is intentional damage and damage caused while in the ... | |
| paid twice | 11/27/2007 |
| Q: we were hit by a car.the driver of the other car claimed,we hit her.we filed a claim.our insurance ... A: After your own company paid for your damage, they filed subrogation against the adverse company to ... | |
| Personal injury | 11/27/2007 |
| Q: My son was a passenger in an auto accident. The auto insurance has a maximum PI of $100,000 per ... A: I'm sorry to learn of your son's tragic accident. I am assuming that you have handled this without ... | |
| auto insurance claim | 11/27/2007 |
| Q: what do i do if the claims adjuster mails me a settlement check that i do not agree with? i've had ... A: Was this check from your own insurance company or from the adverse company of someone that hit your ... | |
| denied claim and no representation | 11/26/2007 |
| Q: I was driving my classic chevy after work one morning and entered a construction zone. I was maybe ... A: A 69 Impala would defenitely be considered an antique because it's over 30 years. I'm not sure it ... | |
| Auto collision | 11/26/2007 |
| Q: A: Since you didn't provide any details about the accident or the reason the company used for denial, I ... | |
| Liability for Sold Vehicle | 11/25/2007 |
| Q: I sold a vehicle to my girlfriend earlier this year, about two days after I sold it to her and ... A: You are NOT financially responsible in this situation. Make two copies of the transfer of owners ... | |
| Drunk driver with no insurance hit me | 11/25/2007 |
| Q: I was on the off ramp (getting off of the interstate) when a drunk driver hit me at about 80 miles ... A: Without knowing exactly what coverage you carry with American General, It's very hard to give you a ... | |
| wheel came off | 11/24/2007 |
| Q: I just had 4 snow tires put on 2007 HHR on Friday. Not 1/2 down highway, wheel fell off and rolled ... A: As you describe the situation, the tire shop is 100% responsible for your damage. You are very ... | |
| Duplicate payout/different companies | 11/24/2007 |
| Q: Our car was involved in two separate accidents - 1 not our fault the other was. 1 claim for the ... A: You definetly have done nothing wrong or fraudlent. It appears that you have made every possible ... | |
| auto accident | 11/22/2007 |
| Q: I was parked in our local Community Center parking lot. A contractor putting out pine straw had ... A: Please follow up as ofter as you feel, no need to apologize. Even though it was unable to be seen as ... | |
| auto accident | 11/22/2007 |
| Q: I was parked in our local Community Center parking lot. A contractor putting out pine straw had ... A: I'm sorry to learn of your unfortunate accident. I'm also sorry that I bring you the news that I ... | |
| Insurance for a Disabled Non-Driver | 11/22/2007 |
| Q: My father is disabled and no longer drives, or has a valid license. He owns a car and wants to know ... A: Yes, your father should be able to purchase an insurance policy from almost any company licensed to ... | |
| Insurance Claim Granted | 11/21/2007 |
| Q: I recently had my motorcycle wheels stolen. I received a quote from the dealer and submitted it to ... A: Because your mototcycle is being financed, your insurance company has an obligation to the lein ... | |
| Property Damage Policy Limit | 11/21/2007 |
| Q: I was involved in a 5-car collision while stopped in traffic. The responsible party's insurance says ... A: Unfortunately, situations like this happen quiet frequently. Many people who have no assetts just ... | |
| Rental Car brake failure | 11/20/2007 |
| Q: I rented a 2007 Nissan Pathfinder and on the second day of using it, a was in a small accident. I ... A: The three week time delay by the adjustor before inspecting the vehicle is totaly inexcusable. The ... | |
| Tree hit car | 11/20/2007 |
| Q: My 2002 Subaru Legacy Outback was hit by a tree during a wind storm last week. Once the car was ... A: Subaru vehicles hold their value quiet well, so the $13,500 sounds reasonable to me. With only ... | |
| fraudulent claim | 11/20/2007 |
| Q: I received a phone call asking for money because I hit his truck, I did not hit his truck, I asked ... A: You did the right thing by making a report to your insurance company. Your company should have ... | |
| policy limit is our limit of recovery? | 11/19/2007 |
| Q: My husband was rearended while on his motorcycle and broke his lower leg. Prop. damage less than ... A: I'm sorry to hear of your husbands injury and wish him a speedy recovery. The at-fault insurance ... | |
| Auto coverage question | 11/19/2007 |
| Q: Recently Geico denied my insurance claim, I am currently trying to assess options and see if there ... A: In order for a car to be licensed in California, there must be proof of insurance provided to the ... | |
| withdrawing claim | 11/18/2007 |
| Q: I car was stolen and recovered. There were damages to the steering colum, window, door handle, and ... A: You don't need to withdraw the claim. Since your insurance company was not willing to work with you ... | |
| Auto collision | 11/18/2007 |
| Q: Heres is the scope. I live in salinas CA. I visited a friend in Pacifica CA. I let my friend( my ... A: Based on your wording of the accident, your friend is at fault. Since she had your permission to ... | |
| Auto coverage question | 11/17/2007 |
| Q: Recently Geico denied my insurance claim, I am currently trying to assess options and see if there ... A: The clause in an insurance policy that extends coverage to non-owned automobiles only applies to the ... | |
| Backing accident | 11/16/2007 |
| Q: We live on a cul-de-sac curve. My neighbor and I were both backing out at the same time and ... A: It's impossible for a person to hear one or even both sides of how the accident occurred and render ... | |
| totaled car | 11/16/2007 |
| Q: i have a 2000 grandprix gtp that was in good shape not excellent but not fair it was good with ... A: I researched your car at Kelly Blue Book. (kbb.com) You didn't list your exact model, 2dr or 4dr, ... | |
| payment amounts on damages | 11/15/2007 |
| Q: My car was hit by a dump truck who claims liability. My car had prior hail damage which was reported ... A: Based on my past experiences with such situations, the adverse insurance company will, to the best ... | |
| designated driver | 11/15/2007 |
| Q: i was doing my friend a favor by driving him home as his dd. during the ride home i got into an ... A: I'm assuming that your so called 'friend' is demanding that you pay for the damage to his truck, ... | |
| car accident | 11/14/2007 |
| Q: i was in a three car accident. i was stopped at a light and a car rearended me. i then hit the ... A: Based on your description of the accident, it appears that car #1 is saying that you hit him first ... | |
| designated driver | 11/14/2007 |
| Q: i was doing my friend a favor by driving him home as his dd. during the ride home i got into an ... A: Under Insurance Law, the policy covering the car is the primary coverage. Although you will still be ... | |
| Auto Insurance claims vs Small Claims court | 11/13/2007 |
| Q: This weekend our Honda Element was struck while in the parking lot of a local restaurant here in San ... A: I totally understand your frustration. Unfortunately, Insurance Law doesn't make any considerations ... | |
| no damage accident | 11/13/2007 |
| Q: My boyfriend was driving my car when the car 2 cars ahead of him slammed on it's brakes. The car ... A: you need to make an immediate report to your own insurance company. They will also need a statement ... | |
| whose liability for the loss in the car accident? | 11/12/2007 |
| Q: In a car accident, my husband was doing his friend's favior, he drove the car back to his friend' ... A: Under Insurance Law, the policy that has been issued to cover the car always applies. In the event ... | |
| Getting Sued? | 11/11/2007 |
| Q: Ok...about a year and a half ago my ex boyfriend gotten into a car accident with my car. I was not ... A: Under insurance Law, as the owner of the car, you are the first responsible party in line, no matter ... | |
| no Collision coverage | 11/11/2007 |
| Q: My 17 year old son was in an accident tonight. Someone pulled out in front of him and he hit them ... A: According to the Michigan insurance website ... | |
| giving me the run around | 11/10/2007 |
| Q: Got hit in Ga. Clearly was not my fault-the other guy received the ticket for failure to yield. ... A: It would probably be best to handle this loss through your own company. This would mean temporarly ... | |
| change of ins. & reg. | 11/10/2007 |
| Q: On A lease agreement, if the party's are unmarried the prime holder on the lease wants the co-signer ... A: In a case such as you mentioned, both parties would have to talk to the lease company and request ... | |
| minor fender bender | 11/9/2007 |
| Q: On 10/10/07 A "AAA" member rear ended me. After two weeks and no contact I called AAA,and left a ... A: This is certainly not normal. AAA is rated among the top 5 companies in the US as far as quality ... | |
| car repair | 11/9/2007 |
| Q: 21st Century Insurance in CA sent me take my car to their repair shop--which gave me their estimate ... A: I am assuming that 21st Century is your own insurance company. Under the legal wording of every auto ... | |
| auto accident in a car no longer owned by, but still registered to me | 11/8/2007 |
| Q: I sold my car on 9-23 to a friend of a friend. I signed over the title to him (via the title ... A: **************************FOLLOW UP*********************** Your comment when rating my answer was a ... | |
| Driver not on policy | 11/8/2007 |
| Q: my sister borrowed my car and got into an accident. She's not on my policy nor any other car ... A: There are two cases where your sister would not be covered. 1. If you have a 'restricted' Named ... | |
| claim settlement | 11/8/2007 |
| Q: I was in an accident Friday of Memorial Day weekend. A guy decided to make a uturn in front of me, ... A: I first answered your question two hours after it was ask. When I went to upload the answer to ... | |
| PIP | 11/8/2007 |
| Q: I had a car accident about a year ago and my PIP had concluded; but I need to continue to go to the ... A: If you don't already have copies of all your medical bills then you need to secure them from the ... | |
| Brand New 2008 auto totaled | 11/7/2007 |
| Q: My car was totaled and I have full coverage plus gap insurance. The other party was cited and her ... A: Sorry to hear of your problems. Did you file a separate claim with your Gap insurance? If not, you ... | |
| not at fault, repair using my insurance | 11/7/2007 |
| Q: I was recently in an accident where I filed a claim to both my insurance and theirs. Within the next ... A: Handling the repairs through your own company is the best possible way to go. If you use one of ... | |
| insurance record for a bicyclist | 11/7/2007 |
| Q: Six weeks ago, my son who is 17 and a minor, was hit in the crosswalk of our local community college ... A: If your son has a drivers license ot a learners permit and a police report was made, then the odds ... | |
| Personal Injury Claim | 11/7/2007 |
| Q: I was in a car accident about 3 months ago in which I suffered a two herniated disc in the lumbar ... A: You are not asking the other insurance to pay your medical bills. You are demanding a settlement ... | |
| (PIP) termination of benefit | 11/7/2007 |
| Q: I live in oregon. I had a car accident about a year ago and next week is going to be the termination ... A: If you don't have any kind of health insurance, either a personal plan or one through your employer, ... | |
| How to handle the medical bills paid by the wrong party? | 11/6/2007 |
| Q: I got injured in an auto accident. The other car is at fault. I went to the hospital and doctors ... A: If you have medical payment coverage under your own auto insurance, have them reimburse your health ... | |
| Personal Injury Claim | 11/6/2007 |
| Q: I was in a car accident about 3 months ago in which I suffered a two herniated disc in the lumbar ... A: The adverse insurance company will not take your worries and concerns into consideration when ... | |
| injury settlement | 11/6/2007 |
| Q: I was involved in an accident back in july. I was sent to theraphy for 2 months and it didn't do ... A: You weren't quiet specific, so I assume that you mean that your Health Insurance is now paying your ... | |
| (PIP) termination of benefit | 11/6/2007 |
| Q: I live in oregon. I had a car accident about a year ago and next week is going to be the termination ... A: The Statue of Limitations for settling an injury claim in Oregon is two years. This means that you ... | |
| minor car accident | 11/5/2007 |
| Q: I had a minor car accident. I got off an exit ramp and was preparing to merge into traffic. The ... A: Currently 11 states and Puerto Rico have a form of no fault insurance, and each one is totally ... | |
| auto collision question | 11/5/2007 |
| Q: I have a question. This past summer (late August), a girl rear-ended me on the highway during ... A: ***************** FOLLOW UP ************************* Hi T.W., Every state has a 'fair practice ... | |
| Auto accident | 11/5/2007 |
| Q: My daughter was rearended 10-09-07 and car was declared a total loss. The other party insurance ... A: This is something that you and your daughter can handle without an attorney if you have the ... | |
| my health insurance vs at fault driver auto insurance | 11/4/2007 |
| Q: I had a car accident about a month ago where I hit the truck who ran a stop sign coming out on a ... A: This site becomes available for new questions at 1:00 AM GMT which is 7:00 PM EST. Ask any new ... | |
| Middle car in a rear-end collision | 11/3/2007 |
| Q: I was the middle car in a small 3-car accident. Only the last car was issued a ticket. I was ... A: Your question was very brief, but based on your statement that the third car was cited and ... | |
| delay of settlement due to multiple claims | 11/3/2007 |
| Q: My vehicle was hit, while it was parked, by a hit-and-run driver. Fortunately, the police found the ... A: Unfortunately, the claims adjustor was correct that they can't pay you until the have reports on the ... | |
| my health insurance vs at fault driver auto insurance | 11/3/2007 |
| Q: I had a car accident about a month ago where I hit the truck who ran a stop sign coming out on a ... A: I see no reason to doubt your Attorneys statement that he did a thorough check on the other drivers ... | |
| my health insurance vs at fault driver auto insurance | 11/2/2007 |
| Q: I had a car accident about a month ago where I hit the truck who ran a stop sign coming out on a ... A: Most health insurance companies and all HMO health plans contain a clause requiring you to reimburse ... | |
| Should I file a claim? | 11/2/2007 |
| Q: I was recently involved in a minor accident (on 10/16). I was pulling out of a private driveway ... A: Do NOT call your agent, he has given you enough bad advise already. He is not the person that you ... | |
| Should I file a claim? | 11/1/2007 |
| Q: I was recently involved in a minor accident (on 10/16). I was pulling out of a private driveway ... A: In my opinion, you received some very bad advise from your agent. Most states require that you ... | |
| maxium liability | 11/1/2007 |
| Q: I am being sued for a large sum and I wonder if the complaint's insurience co. has somehow found out ... A: If you were at fault in an accident and other person(s) were injured, there becomes a point in ... | |
| car accident with permit | 11/1/2007 |
| Q: first of all english is my second language ,so please excuse any misspellings. i just got here from ... A: Please call USAA immediately and report the accident. They will be required to cover the accident. ... | |
| After accident expenses | 10/31/2007 |
| Q: I was involved in a wreck on 10-2-07. I reported it to my insurance and hers. She was issued the ... A: ****FOLLOW UP TO YOUR RATING OF THE FIRST QUESTION********* Hi Jeremy, Not only was my answer timely ... | |
| fix or request new parts | 10/31/2007 |
| Q: i had small accident, bumper is dented and scratched fender is bent a little, insurance estimate ... A: Since your damage is cosmetic and very minor, you really don't have the right to demand new parts. ... | |
| Hit i parking lot | 10/31/2007 |
| Q: I was hit in a parking lot at work by a guy who had says he did not do it but my paint and the dent ... A: If you carry collision coverage on your car, report the accident to your own company and have them ... | |
| Totalled out, minus deductible | 10/30/2007 |
| Q: After a recent accident our insurance has decided to total out our car. It's valued at $2200. ... A: If you were at fault in the accident, you are always required to pay your deductible. Your ... | |
| Which medical costs to use? | 10/30/2007 |
| Q: My wife broke her heel bone in an accident that was determined to be the other driver's fault (in ... A: You didn't mention the date that the accident occurred. Every state has a Statue of Limitations on ... | |
| How do police and insurance companies work together (if at all) on hit and run cases? | 10/30/2007 |
| Q: Several days ago I was the victim of a hit and run accident. Luckily, I was unhurt and the license ... A: Although the police and the insurance company don't work together, they are each working toward the ... | |
| Decreased valuation of auto beyond repairs | 10/30/2007 |
| Q: I have an 08 Armada that was severely damaged by an auto car wash. Though the car wash assumed ... A: Sean, If the damage to your Armada was that major, I'm sure that the owner of the car wash will ... | |
| Need help settling w Insurance (accident) | 10/30/2007 |
| Q: this past FEB I was 6 months pregnant and my 2 young sons w me...we were at a busy intersection ... A: Being the father of 4 children and the Grandfather of 6, I can only imagine the hourly and daily ... | |
| After accident expenses | 10/30/2007 |
| Q: I was involved in a wreck on 10-2-07. I reported it to my insurance and hers. She was issued the ... A: When the other driver reported the accident to her insurance company, that company had to open two ... | |
| CDW | 10/30/2007 |
| Q: I rented a car in Hawaii and it was damaged while it was parked on the street. I purchased the CDW ... A: There are many different forms of CDW written by the car rental agencies. Usually, the CDW that ... | |
| What to claim | 10/29/2007 |
| Q: I was involved in an accident yesterday - tractor-trailer crossed center line on a curve on a ... A: You never, under any circumstances, have a legal right to recover for inconvenience. You are only ... | |
| rear end collision | 10/29/2007 |
| Q: I was involved in a minor (less than 3 miles an hour) rear end collision that did not do any ... A: She may have totally ripped you off for the amount, but it was done in the proper legal manner. You ... | |
| 3 way collision w/parked vehicle | 10/29/2007 |
| Q: I was at a stop sign, pulled out did not see an upcoming vehicle because he was going at least 60 in ... A: You are totally correct, it is the duty of your insurance to investigate, handle and pay your ... | |
| 3 way collision w/parked vehicle | 10/28/2007 |
| Q: I was at a stop sign, pulled out did not see an upcoming vehicle because he was going at least 60 in ... A: By being cited, you are considered at fault. If his impact with your truck caused his vehicle to be ... | |
| rear ended | 10/28/2007 |
| Q: As we were driving yesterday the cars in front of us slowed and then came to a stop. We saw this ... A: You need to make an immediate report to your own insurance company. Most state laws require that ... | |
| Settlement on a Leased vehicle | 10/28/2007 |
| Q: Someone ran a red light and totalled my 2006 BMW M3 leased vehicle last Thursday. He was at fault ... A: Allexperts.com gives me a choice as to whether answer your question or automatically reject it. By ... | |
| shoulder strain | 10/28/2007 |
| Q: i was in a car accident on 10-11-07 about 630am the other guy was at fault there were no witness my ... A: My first advise to you is to immediately purchase auto insurance. Since the police officer let you ... | |
| Auto accident | 10/27/2007 |
| Q: My question is this.I rear ended some one back in May/June. We exchanged information. I told him ... A: You better believe he was going to take you for a ride, with the boarding pass costing $896.00 and ... | |
| hit a dump truck | 10/27/2007 |
| Q: I was in a car accident with a dump truck a few days ago. I was driving my 06 subaru when the dump ... A: The fact that your car is under warranty has no bearing on where it's repaired. Just be sure that ... | |
| accident | 10/27/2007 |
| Q: I let my insurance lapse on my car so I did not have insurance but I was in the process of getting ... A: If your mother-in-law has her own insurance policy and the two of you do not reside in the same ... | |
| minor hit by car mental distress | 10/27/2007 |
| Q: my question 1 week ago my dauhter and i were at the market, and she was standing up againt the ... A: I am sorry to hear of your 7 year old's traumatic experience, and glad that her injuries are less ... | |
| DWI | 10/27/2007 |
| Q: I was convicted of 4th dg. DWI in Minnesota in August 2005. My insurance has never increased. I ... A: Many insurance companies only run a check on your driving record if you have filed a claim, so it's ... | |
| Personal Injury Settlement | 10/26/2007 |
| Q: I apologize for responding to your answer as a new question, but curiously, I did not get a message ... A: **********************FOLLOW UP********************* Hi Allie, Please check your spam folder. You ... | |
| claim amount | 10/26/2007 |
| Q: I am following your advice to Chuck and having my insurance company deal with my rear end collision ... A: Something just doesn't sound right here. The obligation of your insurance company is to repair your ... | |
| Other driver claiming I'm at fault.. | 10/25/2007 |
| Q: About 3 years ago, I was in a collision in a housing development. I was at a 3 way intersection at a ... A: Read your question. You say this happened almost 3 YEARS ago. Do you mean 3 days? If it was three ... | |
| med pay pay outs | 10/25/2007 |
| Q: I read other readers question and you stated she had to pay insurance company back the med pay paid ... A: Some private health insurance policies contain this clause, all HMO's and Medi-Care contain this ... | |
| Personal Injury Settlement | 10/25/2007 |
| Q: I will try to be concise and offer the relevant details. (Not an easy marriage!) I suffered an air ... A: ************************FOLLOW UP************************* Hi Allie, Please check your spam folder. ... | |
| farmers auto insurance claims | 10/25/2007 |
| Q: I have a car accident at night; I have hit other party car in the back bumper when he suddenly put a ... A: The owner was entitled to fair payment for his damages (these new energy absorbing bumpers that are ... | |
| determination of fault | 10/25/2007 |
| Q: Last week, my girlfriend was driving on the interstate (I-95 in Miami) with the traffic flow about ... A: The police report will firmly establish that your girlfriend does not bear any fault. If she carries ... | |
| Car damage | 10/25/2007 |
| Q: We are not looking to have our car totaled but just a fair settlement so we could get it fixed. We ... A: If you carry collision insurance, have your own company repair your car (less your deductible). ... | |
| Car crash and a totaled car with add ons | 10/25/2007 |
| Q: Hey I had a few questions for you experts. I have only had my car for 6 months. It is a 2000 maxima ... A: Last question first. If you were driving a classic restored car, you would have insured for and ... | |
| Auto Insurance Adjuster Conflict | 10/25/2007 |
| Q: I was recently rear ended at high speed by a Ford F350 truck towing a trailer. The other driver’s ... A: If your mechanic is willing to prepare a signed a witnessed statement covering his qualifications in ... | |
| Re: auto accident claim | 10/25/2007 |
| Q: Last week I was rear ended on the highway by someone who was looking the other way when traffic came ... A: I am glad to be of help. If you run into problems during the settlement negotiations, please write ... | |
| 3 car accident | 10/24/2007 |
| Q: I was rear ended on the freeway and I was the front. A car hit me from behind and another car hit ... A: I am assuming that you reported this accident to your own insurance company. If so, they have ... | |
| Rear-End Collision | 10/24/2007 |
| Q: I drive a '03 Chevy Silverado 4X4 truck and was rear-ended by an AT&T Utility truck on Friday. AT&T ... A: You should have dealt with your own insurance company and had them handle the repairs (less your ... | |
| payoff | 10/24/2007 |
| Q: if my medical bills are 14000.00 what should go iin to my pocket A: You didn't provide much information for a question that requires a very long and complex answer. ... | |
| My 2008 Honda Civic Totaled?? | 10/24/2007 |
| Q: I recently purchased a 2008 Honda Civic. I had the car for 2 weeks and while I was parked at work, ... A: First of all, I strongly urge you to deal through your own insurance company and, assuming that the ... | |
| Insurance Claims | 10/24/2007 |
| Q: I was wondering if insurance claims can be retracted or undone by the party placing the claim. If ... A: Laws vary from state to state, and you did not mention your state of residence. In most states there ... | |
| insurance fraud | 10/24/2007 |
| Q: My husband and I had barely moved into our home when his car was vandalized (someone scratched his ... A: Quiet honestly, I am as confused as you. I first read your question 45 minutes ago. I have spent ... | |
| Insurance claim | 10/24/2007 |
| Q: I live in upstate ny.MY car was parked and struck in the rear by a construction vehicle as they ... A: I strongly recommend that you continue using your own company and have it repaired at one of their ... | |
| auto accident claim | 10/23/2007 |
| Q: Last week I was rear ended on the highway by someone who was looking the other way when traffic came ... A: ********************FOLLOW UP**************************** Hi Kate, I apologize if you felt my remark ... | |
| New vs. Reconditioned Parts | 10/23/2007 |
| Q: The rear bumper of my 2005 Honda Accord was damaged in a rear end collision. The estimate from the ... A: You should not accept reconditioned parts on a 2 year old car. You are entitled to genuine Honda ... | |
| auto accident injury | 10/23/2007 |
| Q: I was involved in a auto accident a couple of weeks ago. Lady admitted running a red light . My car ... A: Your auto insurance should reimburse you for all the bills that you have paid out of pocket and ... | |
| settlement check | 10/23/2007 |
| Q: I wanted to know if there is anyway of knowing if my attorney has received my settlement check, as I ... A: When you go through arbitration, both sides have agreed in advance to be fully bound by the decision ... | |
| protecting myself | 10/23/2007 |
| Q: I was the driver in a pedestrian/auto accident, where the pedestrian was crossing against the light. ... A: It appears that the injured party's Attorney has submitted a demand greater than $25,000. Your ... | |
| What to claim | 10/23/2007 |
| Q: I was involved in an accident yesterday - tractor-trailer crossed center line on a curve on a ... A: In order to be compensated for pain and suffering, you need to prove that you suffered injuries. ... | |
| Rental Reimbursement Question | 10/23/2007 |
| Q: I have comprehensive insurance coverage with rental reimbursement. Recently, a hail storm damaged my ... A: I have to assume that you have discussed the value of your car and arrived at an agreement for a ... | |
| Break even or when to use insurance | 10/23/2007 |
| Q: we live in Georgia. My wife rear ended a car. Our deductible is $500. I think the damage is going to ... A: If you reside in a Mandatory Insurance state, you are required to file a report of the accident to ... | |
| Auto Policy - salvage title, etc. | 10/22/2007 |
| Q: 2 Questions. First, we really got screwed on a fabulous car - they totalled it just because ... A: Because your car was totaled, the insurance company should have eliminated the comprehensive and ... | |
| New policy | 10/22/2007 |
| Q: My son is 18 and on our auto insurance policy in New Jersey. He wants to move out of our house. ... A: As long as the ownership remains in your name, he can remain on your policy. Simply notify your ... | |
| PIP Claim | 10/22/2007 |
| Q: Can an insurance company write at check for the amount of the PIP with out you signing a release ... A: **************************FOLLOW UP************************ Hi Kynnda, Your question was very short ... | |
| filing a claim for several minor items | 10/22/2007 |
| Q: My vehicle has several dents and scrapes. I'm not sure what these are from; they look mostly like ... A: This is the reason we volunteers and this site exists. Agents are not taking the time to adequately ... | |
| parking lot 'bump' | 10/22/2007 |
| Q: In picking up my son after school, I was backing up quite slowly (and yes, I Looked first)...managed ... A: Yes, I am going to recommend that you make a report to your insurance company. If she is too busy ... | |
| body shop damaged my car | 10/21/2007 |
| Q: a body shop damaged my car after i took it to them for repairs from the accident. what should i do? ... A: Did you discover this damage while the truck was still in the repair shop or after you picked it up ... | |
| Hit a deer in NC in husband's car | 10/21/2007 |
| Q: I was recently driving my husband's car when a deer jumped in front of me and damaged the hood and ... A: Be nice to the Adjustor. Since they didn't know anything about you until the accident, they are not ... | |
| Hit a deer in NC in husband's car | 10/21/2007 |
| Q: I was recently driving my husband's car when a deer jumped in front of me and damaged the hood and ... A: After being in the business for 43 years, I thought I had heard of everything. This is a new on ... | |
| liability question | 10/20/2007 |
| Q: My son was in a car accident as a passenger. The driver has liability. The drivers insurance company ... A: Your son is entitled for payment of his 'pain and suffering'. That amount is usually 3 times his ... | |
| No Fault Totaled vehicle/Time to purchase replacement | 10/20/2007 |
| Q: My boyfriend was in an accident involving a city vehicle that lost large chunks of granite off a ... A: The city should be providing you a rental car while yours is disabled. If the car is repairable, ... | |
| Question about police report. | 10/20/2007 |
| Q: Since there is a limit on follow-ups, I have to start a new question here. My question is, what if ... A: As I stated, I appreciate your desire to absolve yourself of fault in this accident. I can assure ... | |
| Decision Dispute | 10/20/2007 |
| Q: I was involved in a four-car accident. Four cars were driving on a road in a line. I am the second ... A: The decision was made on the basis of the police report. The statements taken at the scene of the ... | |
| non-permissive use | 10/20/2007 |
| Q: My wife's car was involved in a multi-car accident where the driver of the car did damage to at ... A: Under Insurance Law, if a driver has previously been given permission to drive the car and knows ... | |
| auto accident previous injury | 10/20/2007 |
| Q: I was involve in an accident as a passenger. I already suffer from herniated disc at c4 and c5 from ... A: The fact that the other driver was drunk creates problems between him and the state laws, but has no ... | |
| auto accident previous injury | 10/20/2007 |
| Q: I was involve in an accident as a passenger. I already suffer from herniated disc at c4 and c5 from ... A: When you mention moving out of town at the end of the year, do you mean several cities or counties ... | |
| non-permissive use | 10/19/2007 |
| Q: My wife's car was involved in a multi-car accident where the driver of the car did damage to at ... A: You have not provided me enough information to answer this question. Please send a follow-up ... | |
| Personal Injury Claim | 10/19/2007 |
| Q: Bennie, I was in an auto accident March 2007 in NJ. A truck changing lanes did not see me and ... A: This is a small loss that you can easily handle yourself. Normally, you would total all your ... | |
| auto accident injury | 10/19/2007 |
| Q: I was involved in a auto accident a couple of weeks ago. Lady admitted running a red light . My car ... A: This is standard procedure with all your insurance and all your doctors. There will be many people ... | |
| Decision Dispute | 10/19/2007 |
| Q: I was involved in a four-car accident. Four cars were driving on a road in a line. I am the second ... A: Yes, you can sue the driver of the car that hit you in small claims court. About 50% of the states ... | |
| what if you dont pay for damage? | 10/19/2007 |
| Q: recently i rear-ended a lexus 2007 rx330 and the lexus hit another vehicle front of him, which is a ... A: If you don't pay the amount owed to the insurance company of the Lexus, or at least enter into an ... | |
| A OLD LADY HIT MY CAR ON THE WAY TO WORK... | 10/19/2007 |
| Q: I drive in California, and I was on my way to work at a red light, a little old lady tried to pass ... A: Since you made a 'counter' report of the accident, and not an 'on scene' report, the police and ... | |
| True market value vs. can replacement | 10/19/2007 |
| Q: Can you answer two questions? I have noticed the same or similar car from the dealer is usually ... A: If you elect to not use a rental car, the insurance company is not going to pay you the daily rate ... | |
| Repair or Replace? | 10/19/2007 |
| Q: Pulling out of a parking space on a brand new, 2 day old Vespa, my rear wheel slips on an oil patch ... A: Your insurance company is obligated to repair your vehicle unless the cost of repairs plus the ... | |
| hit and run claim | 10/19/2007 |
| Q: I was involved in a hit and run, somebody hit my car when it was parking in front of my friend's ... A: One of the great things about working on this site is not only do we provide information to the ... | |
| Independent price accessor | 10/19/2007 |
| Q: I am dealing with the insurance company and they are trying to low ball me on the car price. Do you ... A: This information is from the website http://www.magicyellow.com/adjusters/San_Jose_CA.html I have ... | |
| hit and run claim | 10/18/2007 |
| Q: I was involved in a hit and run, somebody hit my car when it was parking in front of my friend's ... A: I believe there is a misunderstanding in how you perceive your insurance coverage. Uninsured ... | |
| Independent price accessor | 10/18/2007 |
| Q: I am dealing with the insurance company and they are trying to low ball me on the car price. Do you ... A: You did not provide me with your city and state of residence. Therefore, I can only provide you with ... | |
| Decision Dispute | 10/18/2007 |
| Q: I was involved in a four-car accident. Four cars were driving on a road in a line. I am the second ... A: The standard procedure for for investigating this type of accident by both the Police Officer and ... | |
| Parking Lot Small Accident | 10/18/2007 |
| Q: this is more to satisfy my curiosity, since I don't think that either parties will go through ... A: Engrave these words into your memory bank. When involved in an accident, NEVER, EVER, ADMIT FAULT ... | |
| personal injury | 10/18/2007 |
| Q: Since you don't like these q's, you are probably the best to answer. Frontal collision on August ... A: You are entitled to a settlement for pain and suffering plus an additional amount for any permanent ... | |
| The Run around | 10/18/2007 |
| Q: My girlfriends car was stolen out of a parking lot when she was out with some friends. at first she ... A: If she has Comprehensive, which covers theft, the insurance company should have started providing ... | |
| I lied about a claim | 10/18/2007 |
| Q: It fell over, leaned against my car and I kept driving because I didn't realized that it fell ... A: This is a really tough one. You are asking me to soothe your conscience and you didn't mark the ... | |
| settlement value | 10/18/2007 |
| Q: My teen daughter and I were in a car accident on 9/11/07, the other driver was at fault. Their ... A: First of all, you should be made aware that all Insurance (Auto, Health and Medi-care) is ... | |
| compensation for the loss of use of our truck | 10/18/2007 |
| Q: I was in an auto accident last Friday. The other party is at fault. The auto is not driveable. We ... A: The adverse insurance company is only liable for actual losses. If you do not actually rent a ... | |
| (PIP) termination of benefit | 10/18/2007 |
| Q: I live in oregon. I had a car accident about a year ago and next week is going to be the termination ... A: ***************FOLLOW UP ************************* Hi Ian, I answered the following question in ... | |
| True market value vs. can replacement | 10/18/2007 |
| Q: Can you answer two questions? I have noticed the same or similar car from the dealer is usually ... A: Just like no one pays 'sticker' price for a new car, No one pays asking price for a used car. In ... | |
| Car Accident / Liability Insurance Stae of CA | 10/17/2007 |
| Q: My Boss's Had his car parked in the driveway at his house..and someone came up on the lawn through 2 ... A: What grounds is the other company using to deny the claim? If the car was being driven by the owner ... | |
| wanting more value for totaled car | 10/17/2007 |
| Q: My son bought a 1991 convertible camero in April for $3500. Even though there were 240,000 miles, a ... A: I seriously doubt that this was a brand new factory fresh engine (it would have cost $2,500-$3,000). ... | |
| Hit and run insurance company issue | 10/17/2007 |
| Q: It all started in June 16 2007 my car was in a hit and run by a big rig type truck around 2:30pm. I ... A: Send COPIES of the 3 video's and the truck's license plate number to the claims adjustor. This ... | |
| totaling car | 10/17/2007 |
| Q: Will a insurance adjuster total a car automatically is Kelley blue book is under a $1000.00? A: It depends on the dollar amount of damages to your car. If the estimate for repair plus the salvage ... | |
| Collision claim | 10/17/2007 |
| Q: A couple of months ago i was stopped at a red light when all the sudden a car hit me from behind. ... A: If you carry collision coverage, I recommend that you have your own company repair your car (less ... | |
| Insurance - Son | 10/17/2007 |
| Q: My son wrecked his friends motorcycle. He has rode the motorcycle several times before this ... A: It sounds like the company is just throwing you a curve ball to get you to pay the claim. Under the ... | |
Auto Insurance Claims
Answers by Expert:
Bennie719
Top Expert on this page
Expertise
I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.
Experience
Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license.
I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.
Education/Credentials
not applicable
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