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Auto Insurance Claims/Questions Answered by Expert Anne
| Subject | Date Asked |
| Auto Insurance | 1/24/2012 |
| Q: If a vehicle is broken into, and several items are stolen from the vehicle, whom covers this ... A: you need TWO policies for that. One is for the auto. The broken glass and damages to the actual ... | |
| Auto Policy | 1/15/2012 |
| Q: I do not know if your expertise would know about this but if you can help I would appreciate it. I ... A: It should affect too much, but it will some. If the insurance company finds out, then they will ... | |
| PIP auto insurance coverage | 12/23/2011 |
| Q: .. I ride a bicycle about 1000 miles a month for exercise and pleasure ... I was recently riding my ... A: This is a great question. Your auto policy, the PIP section should hold the right answer. Please ... | |
| rear end loss | 11/19/2011 |
| Q: i was stopped at a red light when i was rear ended by this guy who said that he pushed the gas ... A: Wow, this is amazing! You have a broken nose? You want to talk to a lawyer ASAP. Please see this ... | |
| is the commerical property owner at fault | 11/18/2011 |
| Q: So I went to pick up my husband from work and I ran over to blue metal pipes sticking out of the ... A: Well, this will be a difficult claim, but you can make the argument. Note that you will have to have ... | |
| Parking Garage | 10/24/2011 |
| Q: I was attempting leave a parking garage in order for me to make the sharp turn to exit; I had to ... A: Well, this will be very difficult to argue. You could say that is for not foreseeable to have a ... | |
| double insurance? | 10/19/2011 |
| Q: We are buying a car from a private party, we paid the money and having the car now, but due to the ... A: Insurance follows the car IF there is an insurable interest. The moment of the vehicle was sold to ... | |
| Pain and suffering | 9/28/2011 |
| Q: I'm Gerardo from Argentina, on September 6th in Orlando was spending my holidays with my family in a ... A: Well Gerardo, The "rental" issue is difficult not because legally it has much significance, but ... | |
| accident injuries | 9/28/2011 |
| Q: My son who is 17 yrs. old was in an accident on 08/23/11. He was a backseat passenger in a one ... A: I am very sorry to hear about this. There is nothing you can do to speed up the process as they will ... | |
| pip/lost of wages-medical bills | 9/22/2011 |
| Q: anne my question in regards to pip lost wages reinbustments pay directly to me. my accident accord ... A: You are entitled to the coverage of your policy. If you have a pip coverage or medical payments ... | |
| Policy Limits | 9/22/2011 |
| Q: I hope you can answer some questions for me. My husband was in a accident two years ago. He was at ... A: In short, yes. They can. If the award or judgment (not settlement) is more than your policy limit, ... | |
| insurance claim | 9/22/2011 |
| Q: ..im seriously concern i bought a toyota tundra 2010 in august 1 2011 at the toyota of orlando,and ... A: You need to find a lawyer. We are not sure why the issue regarding your sister will bar coverage for ... | |
| Auto insurance coverage | 9/8/2011 |
| Q: My 42 year old son does not live with me and lives in another town. Currently I have a 1999 Jeep he ... A: If he has the vehicle, and he is 42, he needs to put insurance on the car. He is not a family member ... | |
| atv claim | 8/23/2011 |
| Q: I had a arc accident and it was a total loss. I got a check and everything was fine. A month passed ... A: Again, if the claim is settled, it is unlikely that there is further investigation. Simply because a ... | |
| atv claim | 8/21/2011 |
| Q: I had a arc accident and it was a total loss. I got a check and everything was fine. A month passed ... A: Investigation? Who told you that? If the claim is settled, it is unlikely that it was reopened. If ... | |
| Injury claim filed against husband | 7/14/2011 |
| Q: My husband was recently involved in an auto accident in which he hit another driver's car. I ... A: Well, you need to call your adjuster and find out if there is a possibility of the injury exceeding ... | |
| Car coverage | 6/30/2011 |
| Q: My sister (who is insured) was hit by a drunk driver, driving someone elses car. (the owner of this ... A: This does not sound correct. Some policies exclude coverage for drunk drivers, so it is possible ... | |
| Double Deductible | 6/24/2011 |
| Q: Was involved in a car vs deer accident several month ago. Reported to Ins Co and they assigned it ... A: It is a policy interpretation problem. Most policies require you to pay a deductible if you have an ... | |
| Insurance settlement | 6/23/2011 |
| Q: I was in a wreck the at fault driver only has a 30/60 policey and their are a total of 3 claimants. ... A: This is a very detailed question and the answer really depends on your state law. You really need to ... | |
| Settlement question | 4/27/2011 |
| Q: Facts: State = Kentucky (no fault) Date of Accident = 10/09 Liability = Other driver (cited for ... A: Well, the issue or answer is on the fee agreement that you signed with your lawyer. The fact that ... | |
| Settlement question | 4/26/2011 |
| Q: Facts: State = Kentucky (no fault) Date of Accident = 10/09 Liability = Other driver (cited for ... A: You don't have to take any offer you don't want, but there are risks with any offer. You have an ... | |
| Parking lot accident | 4/25/2011 |
| Q: While I was backing out of a parking space,I was hit by a car speeding and distracted driving down ... A: You can make the request, but they will likely deny it. You do want to talk to a lawyer about this. ... | |
| hit and run/passenger had to go the hospital | 4/18/2011 |
| Q: recently I was the passenger in a hit and run. The car was not too damaged, but the bumper will ... A: You can file against the insurance company of the policy the car you were at. The PIP coverage ... | |
| amputated limb car accident | 4/13/2011 |
| Q: My husband was in a motorcycle accident 5 years ago and he almost lost his left leg, he was hit by ... A: Wow, well it depends on how the settlement came about. They need to talk to a different lawyer, but ... | |
| insurance payment | 4/13/2011 |
| Q: An at fault driver has the state minimum coverage of $10,000. He hits two cars, one has $6,000 in ... A: It depends on your state. Most likely, (majority rule) a pro rata portion of damages will be paid. ... | |
| liability coverage | 4/8/2011 |
| Q: My husband and I both have liability coverage. Me on my car and him on his truck. They are both with ... A: most likely yes. He is liable for the damages to your car (spousal immunity has been overruled for ... | |
| Uninsured | 3/29/2011 |
| Q: My son did not have insurance and was recently hit by a drunk driver. His insurance cancelled due to ... A: Well - this is bad news. First it is very important to determine if the son had permission. ... | |
| car was totaled | 3/24/2011 |
| Q: I was hit by a guy who failed to stop at a stop sign. I'm still waiting for the police report to be ... A: Total loss is determined as Fair Market Value. Insurance does not look at KBB or NADA or anything ... | |
| auto accident | 3/23/2011 |
| Q: My 17 yr old daughter was injured as a passenger in a one car accident in Tn. She received injuries ... A: Nope. That's only what that insurance company will cover. The person who caused the accident will ... | |
| car is totalled! please help! | 3/22/2011 |
| Q: - Massachusetts hi, i was recently involved in an accident in my car. the insurance determined it ... A: 1. Is the insurance obligated to reimburse for parts i have receipts for? whether it be 100% or 50%. ... | |
| damages | 3/19/2011 |
| Q: I was hit by a person driving who was hit by a another driver. I have been shuffled back and forth ... A: Before you go to small claims, you want to file a claim with your own insurance company. They will ... | |
| being sued for bodily injury | 3/11/2011 |
| Q: In 2009 I was at a full stop and let my foot off the break, nudging another car at less than 2 mph. ... A: Well, your lawyer is supposed to protection you! - However, you work for who? For the person who ... | |
| accident claim | 3/10/2011 |
| Q: got rear ended in jan.2011 I was first diagnosed with a cervical strain and a lumbosracal strain did ... A: It may be worth quite some money. However, different factors could affect your claim. Really, get an ... | |
| Laid off when returning from medical leave due to car accident | 3/9/2011 |
| Q: I was in a car accident, and was off work about a year. The IME doctor released me to go back to ... A: Well, talk to a lawyer locally, they can help you determine if the insurance company must pay you up ... | |
| Car insurance settlement | 3/5/2011 |
| Q: I was rear ended by a car while I was sitting at a red light. I went to the ER and had a severe case ... A: Well, You want to make sure everything is heal before you make a settlement move. Remember that you ... | |
| Auto Accident Claim | 3/2/2011 |
| Q: I know someone who was involved in an accident where she lost control of her car and got hit by ... A: Why did the other vehicle collided with her? If she lost control and the other vehicle did no avoid ... | |
| How much can I sue over a legitimate claim? | 1/1/2011 |
| Q: Recently I was involved in an auto accident. The other party involved got ticket for Failure to ... A: There is no rule on how much you can ask form the person who hit you or cause the damage. You can ... | |
| auto ins coverage | 10/29/2010 |
| Q: My family and my sister-in-law live in different apartments in the same house. We each have our own ... A: Yes, there could be. Usually, insurance polices do cover any driver that has permission to drive ... | |
| Total loss | 10/28/2010 |
| Q: I have loss some reciepts for my modifications, some of the mods were baught at shows or swap meets ... A: you have a duty to proof your loss. If you don't have reciepts or anyway to show that you did the ... | |
| Unauthorized driver / stolen vehicle | 10/27/2010 |
| Q: I have a friend who is homeless and sleeps in a tent in the woods. He uses my address as a mailing ... A: Well, you need to talk to a lawyer. Some insurance policies do exclude coverage when a vehicle is ... | |
| PERSONAL INJURY PROTECTION | 10/25/2010 |
| Q: I WAS RUN OVER LAST SEPTEMBER 2009. BROKEN BACK ,PELVIC,FRACTURED ARE. GIRL HAD BASIC LIAIBILTY IN ... A: Well, most likely not, however, you really need to talk to a NJ attorney. Most states will simply ... | |
| small claims court | 10/25/2010 |
| Q: When i go to file a petition should i name the insured (that name is on all the responses from the ... A: You need to talk to a lawyer. You are asking for a long narrative of what could happen and what to ... | |
| Uninsured Passenger involved in accident | 10/24/2010 |
| Q: I was recently a passenger in an auto accident in which the driver of the other car was found to be ... A: well, this is a difficult question without looking at the policy. You should seek the advice of a ... | |
| paying car rental bill | 10/24/2010 |
| Q: I was involved in an accident that was 100% not my fault. My car was a total loss and the other ... A: Rental expenses on total loss are very hard to argue. You should talk to an attorney. Most of the ... | |
| Dispute with Rental Car Insurance Company | 10/23/2010 |
| Q: I was involved in a car accident in which the other party admitted he was at fault. The police ... A: Claims are always open to negotiation, unless you have a ruling from a court. That's the way our ... | |
| unlicensed drivers | 10/22/2010 |
| Q: if an unlicensed driver is hit by someone who ran a red light will the person who ran the red light ... A: The "unlicensed" issue is largely irrelevant as the license did not cause the accident. There is an ... | |
| liability insurance - auto | 10/20/2010 |
| Q: My daughter backed into a person's mailbox...pulling the wooden post out of the ground. The only ... A: Yes, and yes, Liability coverage covers the post and the labor to get it fixed. See more about ... | |
| Pedestrian hit by car | 10/20/2010 |
| Q: 2 months ago, my wife was hit by car turning right at 5 miles/hr when she was crossing the street as ... A: There is no correct answer here. It really depends on what the medical bills and record say about ... | |
| wrong settlement | 10/19/2010 |
| Q: SUV rear-ended my VAN and pushed VAN under truck. Traffic stopped on red light. Insurance denied ... A: You need to talk to an attorney. A lawsuit could be brought against the person who hit you (not the ... | |
| deadlines for insurance claims | 10/19/2010 |
| Q: My accident was in January of 2009 and I still have not turned in my rental car receipts which I am ... A: There is a statute of limitation on every state. The property damage statute of limitation of your ... | |
| Auto claim while on the job | 10/19/2010 |
| Q: I was hit head on by at fault party, liability is not in dispute. I was on the job when the ... A: Personal injury claims can get complex and insurance companies will take advantage of those who do ... | |
| Pain and Suffering | 10/15/2010 |
| Q: I was hit (while crossing the crosswalk on the green light), by government car 8 month ago.I'm ... A: Pain and suffering is hard to calculate without looking at your medical bills and records. You ... | |
| loss of use | 10/14/2010 |
| Q: I rented a car and hit some thing Insurance will not pay for Loss of use to rent a car. How do I ... A: You do not carry loss of use on your policy and this is why the rental company is requiring loss of ... | |
| Mini Van total loss | 10/13/2010 |
| Q: I was hit by a semi truck and he kept going. My insurance company wants to total out my van at a ... A: You have to negotiate your total loss. Try to increase the value of the settlement by getting better ... | |
| Auto Accident | 10/12/2010 |
| Q: What is an appropriate amount for pain and suffering, loss of wages, and so on? I was rear ended ... A: Your question is extremely difficult to answer. Pain and suffering is difficult to evaluate when you ... | |
| multiple policies | 10/12/2010 |
| Q: Im moving out of state in 2 months and my current insurer does not cover that state. I would like ... A: There are no laws against having two different insurance polices. However, there cannot be double ... | |
| Claim Scam? | 10/11/2010 |
| Q: My sister's husband had fender bender 3 years ago. He was uninsured, and the other driver was ... A: If she caused the accident and the damages, she must pay for them. That's what insurance is for, and ... | |
| Bodily injury claim against AAA turned over to me | 10/10/2010 |
| Q: I was in a car accident in May of 2009 with a good friend of mine. I was driving my car with him as ... A: The statute of limitation requires that you settle or you file a formal lawsuit before the statue ... | |
| multiple collisions | 10/8/2010 |
| Q: I was rear ended by a semi truck while I was at a dead stop. We were coming off the highway on the ... A: Well, you are owed for your injuries. If the same injury was caused by three impacts, then they owe ... | |
| who's liability?? | 10/6/2010 |
| Q: My car was left at a dealership for repairs and servicing. I received a call next day that my car ... A: I don't believe they are correct. They took the vehicle. When they take a vehicle they also take the ... | |
| Auto PIP claim | 10/4/2010 |
| Q: I was hit in August by a driver at fault and have used my PIP to cover the medical expenses for the ... A: You would not paid for the difference of what your PIP and the limit (5K). Special damages (medical ... | |
| Arbitration decision | 10/4/2010 |
| Q: My wife was rear ended by a drunk driver over two years ago. The driver was charged and convicted of ... A: usually arbitration awards are not appelable (you likely agreed to this when you enter into ... | |
| Injury-Pain and Suffering claim | 10/1/2010 |
| Q: Accident in PA reside in GA (at time in rental car). At fault driver's insurance company (in PA# ... A: You can only bring an action in PA or if your damages exceed $75,000 maybe federal court (probably ... | |
| Auto Accident | 9/30/2010 |
| Q: A husband and wife were involved in a weather related auto accident, in the wife's car and he was ... A: Well, there is a lot of information here without much detail as to what the policy say exactly. A ... | |
| stolen property from car | 9/29/2010 |
| Q: The catalytic converter was cut off of my car and stolen earlier this week. I was parked in a gated ... A: Well, this would be a difficult claim to make. Most parking lots are very good at disclaiming ... | |
| judgement awarded | 9/27/2010 |
| Q: I was awarded 10,300 dollars in my auto accident. I was told it would take up to 20 calendar days to ... A: If you FILE A JUDGEMENT AGAINST THEM IT WILL TAKE AS LONG AS THEY NEED TO WRITE A CHECK... there is ... | |
| Rear-ended by someone w/o insurance | 9/25/2010 |
| Q: A few days ago I was rear ended on my way to work. I called the police and file a report for the ... A: I am very sorry to hear about this situation. You want to do as State Farm adviced. Try to continue ... | |
| personal injury claim | 9/24/2010 |
| Q: I am fourty-seven yrs. old and has had two neck surgeries. The first one due to aging and normal ... A: I really don't have a suggestion as to what is really going on here. You may be on the hands of a ... | |
| premiums | 9/23/2010 |
| Q: I have a car financed and registered in my name. My credit is poor. Is there a legal way to insure ... A: Well, this is an "impossible" question to answer. Each insurance company has its own way to charge ... | |
| 80% liable | 9/22/2010 |
| Q: I was involved in an auto accident this week. The opposing vehicle failed to yield at a yield sign ... A: Every driver has a duty to obey the rules of the road, to maintain proper lookout, and to "try" to ... | |
| How do i approach this situation? | 9/21/2010 |
| Q: I was in a car accident about a month ago. I have been experiencing some slight back discomfort, and ... A: You really need to be seen by a doctor. You don't know what's wrong. One month is a long time to ... | |
| insurance claim | 9/21/2010 |
| Q: daughter was in a auto accident. was thrown from the car. filled a claim with the insurance company. ... A: You need to be on top of this situation. Something is wrong. Usually, insurance companies will ... | |
| My fault small car accident, What will happen? | 9/20/2010 |
| Q: I was recently at fault in a car accident, I was stopped in a right turn lane and took my foot of ... A: This question is better answered by your insurance agent. They MUST explain the claim process to ... | |
| personal injury claim | 9/20/2010 |
| Q: I am fourty-seven yrs. old and has had two neck surgeries. The first one due to aging and normal ... A: A doctor can refuse to sign a form. They are not obligated to do something they don't want to do. ... | |
| Auto Accident and Injury | 9/19/2010 |
| Q: Anne, I was recently involved in an auto accident in Michigan. I borrowed my sister's vehicle and ... A: Well, Michigan is a no fault state. You may have to pay for your own damages unless the injuries are ... | |
| auto insurance liability | 9/17/2010 |
| Q: My son was a passenger in a vehicle that was at fault in a collision with another vehicle. The ... A: Uh, Hello Randy, Well, if your son is a "family member" that lives with you, it's very possible ... | |
| Car rental insurance | 9/17/2010 |
| Q: I was recently side-swiped on the freeway by a tractor trailer. Their insurance company has paid ... A: It depends. Your logic is correct, however, each state differs on that very point. Some states ... | |
| accident | 9/16/2010 |
| Q: I was involved in an accident where a car ran a stop sign and I hit her. There was no stop sign for ... A: There is not enough information here to determine if you are partially liable for the accident. ... | |
| friend wrecks car | 9/14/2010 |
| Q: I let my friend drive home froma party, she turns into traffic was sited, the person she was not. ... A: "Insurance Follow the Car" is USUALLY the way insurance works. However, if she has coverage ... | |
| settlement range/ bodily | 9/14/2010 |
| Q: My daughter was involved in auto accident, she is 27 & currently a senior in college to become a ... A: Your question is very hard to answer. I know you tried to give as many details as possible, but they ... | |
| Rear-ended and found Insurance lapsed | 9/13/2010 |
| Q: I was recently rear-ended (in FLA) while stopped and attempting to enter onto a highway. There was ... A: well this is odd. Usually there is a grace period and insurance companies must notify of the lapse ... | |
| Friend involved in accident on my motorcycle | 9/10/2010 |
| Q: The other week my friend was involved in an accident on my motorcycle in which a car pulled in ... A: This question is not about a claim, but rather if you should sign paperwork. You need a lawyer ... | |
| Civil suit filed | 9/10/2010 |
| Q: Almost 1 year ago I was involved in an accident with one other vehicle. Both vehicles ran red lights ... A: You want to have your attorney press both insurance companies to pay for your damages and then ... | |
| Insufficient Coverage | 9/9/2010 |
| Q: I am recently at fault in an accident damaging 2 other vehicles. My policy only pays $10K/accident. ... A: You are responsible for 100% of the damages. If your insurance coverage is not sufficient, then you ... | |
| no fault accident claims options and deductible | 9/8/2010 |
| Q: My minivan got rear ended by a car which was hit from the back by a pickup truck while waiting for a ... A: If you make a claim with your own insurance company, you will be seeking coverage under "collision ... | |
| Salvage Payment | 9/8/2010 |
| Q: My vehicle was hit while parked. Two other vehicles were also hit and a mailbox run over. The ... A: Unfortunately this is a matter of state law. Each state does a different thing regarding salvage ... | |
| insurance claims | 9/7/2010 |
| Q: Ok i was in a car accident and it wasn't my fault the insurance company says they have to send me a ... A: Usually, a two party check is issued to you AND the bodyshop. The bodyshop will ask you to sign the ... | |
| insurance only wants to take 50% liability | 9/4/2010 |
| Q: I was rear~ended.Officer gave a citation to the lady for following to close.I saw a deer ... A: 1. I believe consulting with an attorney is very important. 2. Yes you can, you could file pro se , ... | |
| Who is liable: my sister or my insurance company? | 8/31/2010 |
| Q: My house incurred hail damage from a storm. The insurance adjuster came over to my house to inspect ... A: I am very sorry to hear about your sister's car and the accident. Usually, the vehicle that is ... | |
| settlement offer | 6/8/2010 |
| Q: I live in Hawaii. I had an accident in Alaska. My auto insurance paid all my medical bills (approx ... A: I know you don't want to get a lawyer involved, but it is prudent that you seek local legal advice. ... | |
| An accident I dont believe I am at fault for. | 6/8/2010 |
| Q: I was recently in a accident, at which my insurance company is putting me at fault for. I don't ... A: This looks like your fault. Trying to pass a vehicle puts the responsibility on you to ensure no ... | |
| Pain and Suffering Question | 6/2/2010 |
| Q: My general question (and this is one I keep asking myself) is how do you decide what your pain is ... A: Your general question is rather very complex. Pain and suffering is determine different way in ... | |
| insurance claim.. | 6/1/2010 |
| Q: I was wondering about how i go about negotiating the cost for pain and suffering. About a month ago ... A: Well, you put me in a very hard position. I cannot give you a correct answer here. You need to look ... | |
| bad faith?? | 5/31/2010 |
| Q: I was in an accident and the person responsible was driving a rental car. She denied having ... A: Probably not. You are lucky she has coverage at all and her dad filed the claim. Unfortunately, ... | |
| Auto accident 2002 | 5/29/2010 |
| Q: My question is I hit someone from behind in July of 2002 I had no insurance so statefarm insurance ... A: Well, it depends on your state law, but this sounds like extortion. Remember, most states have ... | |
| car accident in parking lot | 5/20/2010 |
| Q: I am divorced with joint custody of my children. My ex has primary custody and hence is required to ... A: I cannot answer this question. An investigation of all evidence, parking lot, and witness statements ... | |
| SS# | 5/19/2010 |
| Q: An adjuster for the other party said they will call me back to ask for my SS# something about ... A: Well, there are some requirements where insurance companies must report to medicare/medicaid any ... | |
| Re-issue Checks | 5/19/2010 |
| Q: I was cleaning out a pile of clutter in my room closet and came upon A Check from Allstate Ins in ... A: I am not sure what your issue is. It's an old check and usually, you have 6 months to cash. If your ... | |
| pain and suffering claim | 5/17/2010 |
| Q: My son has been in a car accident, about 2years ago. he has gone Through two surgeries for the ... A: Well, the insurance company is responsible for the entire bill (medical bill), taxes included. If ... | |
| Front wheel came off | 5/13/2010 |
| Q: I was driving to school today, and my front wheel on the driver's side fell off while I was slowing ... A: Well, insurance policies usually do not cover for mechanical break-down. It's a common exclusion on ... | |
| BI Claim/Medical Record/ Loss Wages | 5/12/2010 |
| Q: I was injured in a not at fault collision. The responsible parties insurance adjuster wants a ... A: Well... maybe. It depends on your state case law and legislation. Some states follow a "Cardazo" ... | |
| Auto Fire | 5/11/2010 |
| Q: I had a major garage fire on 4/29/2010 with three of my cars parked inside the garage. The insurance ... A: Well, those vehicles are pretty new (nice car BTW), so the damage must be pretty substantial. You ... | |
| settlement question for minor passenger | 5/8/2010 |
| Q: My son was recently in a roll-over accident. He was the passenger. He was taken to level 1 trauma ... A: I am sorry to hear about your son. I truly hope he recovers completely and soon. As you noted, ... | |
| Having any Body Shop repair accident damages. | 5/7/2010 |
| Q: I was told by my insurance company that they will not authorize a check to the policy holder for ... A: It depends. If your car is paid for (you are the only lien holder), then the insurance company must ... | |
| Husband and Wife separate auto polices - both pay? | 5/6/2010 |
| Q: My husband was in an accident and he was determined not at fault. Our truck was totaled (we got ... A: Talking to an attorney does not necessarily means that you will "sue" anyone. They can better help ... | |
| Auto insurance | 5/6/2010 |
| Q: Do Auto insurance have timely filing limit? Thanks, Venkat A: It depends on each auto policy. Most insurance policies do have the "duty to report losses." If an ... | |
| Fender Bender | 5/4/2010 |
| Q: A car in front of me was stopped to take a right turn, I was stopped behind it. She started to go ... A: Florida no-fault state legislation do not apply to property damage. Thus, you can probably be held ... | |
| Auto Accident Settlement | 5/3/2010 |
| Q: I had an accident 7/9/009, been suffering from headaches, weakness, memory loss, lack of ... A: Well, if you have an attorney, you probably signed an agreement. Did you read it? Really, if you did ... | |
| Car total loss, no contact accident, other driver at fault. | 5/2/2010 |
| Q: A couple of months ago, I was forced out of my lane by a truck in the #1 lane who didn't see me next ... A: Yeah, you will have several repercussions because of someone who was not paying attention. Do tell ... | |
| Car total loss, no contact accident, other driver at fault. | 4/30/2010 |
| Q: A couple of months ago, I was forced out of my lane by a truck in the #1 lane who didn't see me next ... A: I am sorry to hear about your accident. What a bummer. You have an attorney and they are the best ... | |
| BI Claim/Medical Record/ Loss Wages | 4/29/2010 |
| Q: I was injured in a not at fault collision. The responsible parties insurance adjuster wants a ... A: Yes, you have a right not to sign anything. Also, you could do as you outlined, get the records and ... | |
| medical settlement | 4/29/2010 |
| Q: I was recently in an accident, a minor accident. I was slightly injured I immediately went to the ER ... A: It's very hard (if possible at all) to give you a straight answer regarding "how much". Everything ... | |
| Bodily Injury Claim Settlement | 4/28/2010 |
| Q: I was involved in an auto accident where I sustained a broken heel. Due to being involved with a ... A: Well, I do not know if your claim is worth the limit without looking at the documents you presented ... | |
| auto vs. travel trailer | 4/26/2010 |
| Q: On April 6, 2010 my travel trailer was hit while parked on the street at my daughters house by an 19 ... A: Well, cashing that check should not release your claim. This is a payment of a loss (the towing ... | |
| No insurance | 4/23/2010 |
| Q: I was recently involved in a car accident in which I was not at fault the other driver was drunk and ... A: I am sorry to hear about this. What a bummer. Well, if you have Collision coverage, you should ... | |
| Separate policy husband and wife? | 4/20/2010 |
| Q: My wife and I have 2 cars covered with Allstate. I have had 3 accident claims in the last 5 years ... A: It's possible. You just need to find an agent willing to work with you. They might have to write a ... | |
| Rear ended by drunk driver | 4/19/2010 |
| Q: My wife and I were rear ended by a drunk driver he sent us spinning around i could not control the ... A: Wow, Hi Willie, I hope you are okay! Your wife is also entitled to a settlement from the drunk ... | |
| Do I have to use an auto body shop? | 4/16/2010 |
| Q: I am getting my car fixed after a small accident. Do i have to use a "auto body repair shop" or can ... A: It depends. If this is a third party insurance company (say, the insurance company of the person ... | |
| MY SON HIT A PEDESTRIAN | 4/14/2010 |
| Q: My son hit a pedestrian on a bike on March 24th. He is on my insurance. I have $ 50,000 medical ... A: I am sorry to hear about this. Well, you can be liable for the excess above the policy limit (if ... | |
| hit by a car in pedestrian walkway | 4/6/2010 |
| Q: I was hit by a car outside my house in a pedestrian walkway. i did not see the car and was knocked ... A: WEll, what is your worry, the medical bills or the fact that you do not need this medical treatment? ... | |
| Compelling information in an Auto Insurance Claim | 4/6/2010 |
| Q: My son was in a car accident, he has 2 bulging disc and lost his opportunity to go into the Army. ... A: Compelling means nothing. The insurance company is playing the settlement game with you. For what ... | |
| rollover accident | 4/3/2010 |
| Q: I was involved in a rollover car accident (I rolled multiple times) going 65mph on a busy hwy. The ... A: I cannot give you an accurate answer. There are many variables that come into play, like your age, ... | |
| "Limited Right to Sue" Option | 3/31/2010 |
| Q: The Limitation on Lawsuit Options states that, "you agree NOT to sue the person who caused an auto ... A: Under what circumstances are you trying to sue? You are only bound by your own policy language, and ... | |
| Minor child | 3/26/2010 |
| Q: In the case that a minor child is injured when the insurance company settles do the parents get ... A: It depends on how the settlement was structured and your state law. Most states require that if a ... | |
| regarding a pulmonary embolism and genetic predisposition | 3/25/2010 |
| Q: I hope you can help and thanks in advance. I am aware that I live in Canada but my question is ... A: This is a highly complex dispute. You really need to talk to an attorney in NY. Here is my first ... | |
| No PIP in accident | 3/25/2010 |
| Q: I have been involved in a very confusing accident. I am a California resident, with a CA auto ... A: I had to look this up. The liability arises in the state where the accident occurred (CT). There are ... | |
| UM claim | 3/24/2010 |
| Q: I had an accident a week ago and was rear ended by an uninsured motorist, then pushed into the car ... A: Unfortunately I have no idea. It would be unethical from to give you a number as I know it is bound ... | |
| who's liable | 3/23/2010 |
| Q: If I'm driving a friend's car and I get into an accident that is my fault, whose insurance would ... A: Insurance usually follows the car. Thus, the insurance company of the person who owns the vehicle ... | |
| UM claim | 3/20/2010 |
| Q: I had an accident a week ago and was rear ended by an uninsured motorist, then pushed into the car ... A: I am sorry to hear about the accident. The impact does sound pretty severe. I am a little confused ... | |
| Minor injured & driver had no insurance | 3/19/2010 |
| Q: My daughter (who is 14) was injured while sitting on the back of friends car. He needed to back his ... A: I am sorry to hear about this. I hope she is recovering and that there is no residual consequences. ... | |
| Motorcycle injuries/uninsured motorist | 3/17/2010 |
| Q: My husband and daughter were hit head on (on his motorcycle) by an uninsured driver about one year ... A: You are strongly encouraged to talk to a lawyer. Depending on how lasting the injury is, you might ... | |
| cut off - what to do? | 3/17/2010 |
| Q: Anne, sorry the question seemed long yesterday but I was just giving you background information. ... A: Nothing to be sorry about. If you ask a question to one expert, you need to stick to that. I cannot ... | |
| settlement process | 3/14/2010 |
| Q: Anne, I was rear ended 9/30/09 in south carolina. The other driver was ticketed 100%. I have been ... A: I am sorry to hear about your accident and the ensuing injuries. The settlement process should not ... | |
| Coverage details for a minor with a permit | 3/13/2010 |
| Q: My dd had a minor incident on private property where she backed into an SUV and did slight damage to ... A: Yes, you still have to compensate. A citation is a fine. It does not have anything to do with ... | |
| car wreck neck injury | 3/12/2010 |
| Q: on January 18th 2010 i got into an auto accident, I'm 19 years old and lost my first car in my first ... A: As you know, a lawyer can better represent you and help you get the max for your injuries. The ... | |
| Coverage details for a minor with a permit | 3/11/2010 |
| Q: My dd had a minor incident on private property where she backed into an SUV and did slight damage to ... A: Well. If you hit someone, you owe for their damages. It does not matter if it is in private property ... | |
| Rear end collision | 3/10/2010 |
| Q: I was struck from behind on 2-8-10. I hit the car in front of me...we were both stopped at a red ... A: I am sorry to hear about your situation. Well, you are entitled to pain and suffering, loss wages, ... | |
| my insurances responsibility | 3/10/2010 |
| Q: On 09/18/09 my daughter and 2 friends headed home, another driver hit them head on. My daughter & 1 ... A: I believe I already answered this question. There are few more details here. The bodily injury ... | |
| claim | 3/9/2010 |
| Q: My son and husband were in an accident in 2008. Church van rolled 3 times down kentucky highway, ... A: Well, it's very difficult (if possible at all) to tell you if this is worth half a million dollars. ... | |
| Bodily injury coverage | 3/9/2010 |
| Q: A family member along with 2 other friends traveling home were hit by an at fault driver with ... A: I am very sorry to hear about your accident. Sounds like the limits on that insurance will not be ... | |
| will insurance comapny cover medical issues | 3/5/2010 |
| Q: My husband was involved in a car accident which totaled his vehicle 5 months ago. We have received ... A: Well, the time frame can give you issues. You have rights against the person that hit you for your ... | |
| Car accident and lawsuit | 3/4/2010 |
| Q: 5 years ago i was #2 in a 4 car small pile up.#1 has sued #4 and settled. now she is suing me and ... A: Well, she could (anything is possible), but it is unlikely. Your insurance company has a duty to ... | |
| Hydroplaned 2 weeks ago, can i file claim now? | 3/3/2010 |
| Q: Aprox. 2 weeks ago I spun out on the freeway in the rain, and slammed my sports car (Nissan 350z) ... A: This claim will most likely be covered. Just because you waited 2 weeks it does not mean that there ... | |
| How to dispute collision damage | 3/2/2010 |
| Q: I will try to make this short. I recently got my SUV (2005 Chevy Trailblazer) repossessed on 2 ... A: Your insurance has a duty to you (a duty to believe you). The insurance should override your ... | |
| Can I sue the person that hit me?? | 3/1/2010 |
| Q: About six months ago a person hit while I was crossing the street, I was taken to the hospital and ... A: Well, it depends on how you received the first $25,000. If you settled the claim and gave the ... | |
| Unisured driver/ insured car/ not at fault | 3/1/2010 |
| Q: I'm an uninsured driver not named on the cars policy. I will be found not at fault. Will her car ... A: The fact that you are not "insured" should not give any problem. If you are "excluded" (there is ... | |
| damage claim and I have a loan | 2/27/2010 |
| Q: i have a 02 ford explorer and i recently wrecked the vehicle in he snow. the adjustor came out a few ... A: Well, it's not fraud unless you lie or misrepresent the facts. If you tell them or say something ... | |
| Double Insurance | 2/26/2010 |
| Q: Currently I share one of my vehicles and my father/mother have comprehensive on it...I also have an ... A: Well, this would create substantial problems. 99% of the states out there do not allow for double ... | |
| personal injury protection-medical | 2/26/2010 |
| Q: i had a wreck about 18months ago it was'nt my fault i settled with the othe insurance company can i ... A: It depends on exactly what your insurance policy says. Some providers require you to report the loss ... | |
| Pain And Suffering claim | 2/25/2010 |
| Q: Hi i was just wondering how much my claim may be. I was in a car accident on monday where my friend ... A: I simply do not know. There is way too many variables and any number that I give you is bound to be ... | |
| personal injury | 2/23/2010 |
| Q: i was involved in auto accident with 18wheeler he was making an illegal turn on inside lane i was on ... A: Well, the only base line is that you are injured "in fact." If you have injuries and can show that, ... | |
| Bodily Injury Claim as Passenger "not" Driver | 2/21/2010 |
| Q: Who is responsible for medical bills if I was injured in an accident in which I was the "passenger ... A: The insurance company of the vehicle you were on at the time of the accident should cover your ... | |
| hit 2 times | 2/21/2010 |
| Q: My wife and I were the front car of a five car accident(CA). The TCR states that all cars were ... A: The vehicle behind would not have liability unless it hit your first, and then it was hit a second ... | |
| auto ins coverage | 2/19/2010 |
| Q: I WAS HIT BY A PERSON DRIVING HER FATHERS CAR. HE EXCLUDED HER FROM HIS CAR POLICY. CAN HIS ... A: Yes, they can. There is likely no coverage under that policy. You should probably get your own ... | |
| Auto accident | 2/19/2010 |
| Q: My wife was in a car accident, she had a green light when a driver from right collided on her. Both ... A: The PIP or Medical Payments coverage of your policy (you need to file a claim) will cover their ... | |
| Liablity Claim | 2/18/2010 |
| Q: I am trying to find out how to value a liability claim. Wreck fractured and crushed a small portion ... A: Your question is very hard to answer. There is not enough information. Will you recover? how long ... | |
| Speeding Ticket | 2/18/2010 |
| Q: I received a speeding ticket (76 in a 65) in Colorado. The ticket is for $135, and carries 4 ... A: Well, insurance companies randomly do check state records for tickets. Sometimes, they go out of ... | |
| insurance payment for car's damages | 2/16/2010 |
| Q: ! I was driving down the hill with established speed, on a dry road and no cars in front of me. ... A: Sounds like you are in a little bid of pickle here. The insurance company is arguing that they have ... | |
| trying to settle | 2/16/2010 |
| Q: if accident is 100% proven not your fault are the med expenses the only thing included in pain/suff? ... A: Your medical expenses are separate than your pain and suffering. Some injuries can be yield 2, 3, or ... | |
| PI | 1/15/2010 |
| Q: 1.) If I file a PI claim against a drive that hit me, how does their insurance company know whom to ... A: 1.) you have to tell them 2.) Yes, you tell them in a release for records 3.) Probably. You have ... | |
| Refuses To Process Claim | 1/14/2010 |
| Q: While I was stopped at a red light I was hit in the rear and sideswiped by a car that was trying to ... A: I am sorry to hear about your situation. You can take this matter legal. Either you get a lawyer or ... | |
| Medicare/Medicaid Subrogation | 1/14/2010 |
| Q: My brother, who has Down syndrome, was injured while a passenger on a city van. The city van driver ... A: Usually yes. They will have subrogation of rights and be able to get the money back. However, there ... | |
| Auto Accident | 12/23/2009 |
| Q: October 13th, 2009, I was driving my mom's car while she was in it when a driver sideswipped us on ... A: I am sorry to hear about you and your mother's accident. Well, it's hard to give you a range ... | |
| PAIN AND SUFFERING | 12/22/2009 |
| Q: WHAT IS FAIR AND REASONABLE TO EXPECT FOR PAIN AND SUFFERING WHERE THE MEDICAL BILLS, WAGES AND ... A: Well, again, it depends on what the medical records say. It also depends on what kind of medical ... | |
| What's the typical turn-around time from an accident to a fixed car? | 12/22/2009 |
| Q: My car was hit by a plow in my driveway. Called the plow driver's insurance and received a claim ... A: It depends on how bad the damage is. It also depends on what investigation the insurance company ... | |
| auto accident claim | 12/18/2009 |
| Q: The statute of limitations on the claim for an accident that I was involved in, but not at fault, ... A: You have a huge problem on your hands. Your claim might be barred 100%. You need to contact a lawyer ... | |
| Fender bender to vehicle blocking driveway entrance. | 12/18/2009 |
| Q: A relative's vehicle was parked the wrong way (opposite traffic) curbside and blocking 1/4th of my ... A: Well, it's hard to give you a determination on fault with what you state. As you mention, fault has ... | |
| vehicle fire | 12/17/2009 |
| Q: about a month ago i was at work and our van started on fire and burnt to the ground. I had personal ... A: Usually, insurance companies want evidence that the personal property was there. Sometimes it might ... | |
| Is there anyway possible to contact the insurance of the driver that hit me while walking on the street? | 12/16/2009 |
| Q: Here's the deal I was walking to the store last month when a car came from behind and hit me, ... A: There is nothing that prevents you from settling your own claim. If you know what you are doing, you ... | |
| PAIN AND SUFFERING | 12/12/2009 |
| Q: WHAT IS FAIR AND REASONABLE TO EXPECT FOR PAIN AND SUFFERING WHERE THE MEDICAL BILLS, WAGES AND ... A: It really depends on what the actual medical records say. Those records might contain evidence that ... | |
| COVERAGE | 12/11/2009 |
| Q: IF I BOUGHT 15,000 DOLLARS COLLISION COVERAGE ON MY VEHICLE AND I TOTALED MY CAR IN AN ACCIDENT, HOW ... A: They would probably pay the actual cash value of the car (you have to see the exact policy ... | |
| storage fees | 12/10/2009 |
| Q: i let my brother in law borrow my car and it was rear-ended. It resulted in a total loss. he took it ... A: If you hold the title to your car, it is your car. They need to talk to you. However, the insurance ... | |
| settlement question | 12/9/2009 |
| Q: A couple weeks ago my wife and i were at a stop light and was struck from behind at the red ... A: Talking to a lawyer is always a good idea. Most first consultations are free, so you lose nothing by ... | |
| Auto Accident no insurance | 12/9/2009 |
| Q: I bought a car for my girlfriend and on the way to get the title/ insurance she was in an accident. ... A: Well, it depends if you owed the car. Did you paid money for the car and the transaction was ... | |
| proof of insurance to employer | 12/7/2009 |
| Q: I live in Pa and I receive a car allowance each month for my vehicle. My company is telling me that ... A: Well, it is very common for employers to do this. They must ensure that you are not driving a car ... | |
| Auto Injury Claim | 12/7/2009 |
| Q: I was in an accident, rear - ended and the other parties insurance company is making an offer to ... A: Well, this does not sound right... at all... The medical bills and records must be taken into ... | |
| funds held by atty 3 years after auto accident | 12/6/2009 |
| Q: Is it legal for the atty. who settled my accident to hold approx. $4000.00 of monies still after 3 ... A: Well, is it legal? Probably. Is it Ethical? probably no. 3 years and no money? and the attorney is ... | |
| Long-term Insurance for Car Rentals | 12/4/2009 |
| Q: I was driving a rental vehicle and I rear-ended another vehicle. I had set up Auto-insurance, since ... A: Boy, this is an very interesting situation. The insurance company new you were insurance a vehicle, ... | |
| Subrogation Claim | 12/3/2009 |
| Q: I was in an auto accident in April of this year. I used my Med Pay insurance to cover my medical ... A: This is a very complex question. Jurisdictional issues between states need to be analyzed under the ... | |
| Husband was T-boned while driving his work truck | 12/2/2009 |
| Q: My husband was driving his work truck (pick-up truck) when a guy ran a red light and T-boned my ... A: Wow Michelle, yeah, there is a lot more that you need to ask for. There are few articles here ... | |
| whiplash / minor injury settlement | 12/1/2009 |
| Q: I was recently in an accident - aprox. 1.5 mons ago - and have been going to physical therapy and ... A: Well, there is not enough information in your question to be able to give you a "average." How bad ... | |
| Auto Accident | 12/1/2009 |
| Q: Anne, I rear ended a car at a red light. The driver of the car I hit had to get a police report ... A: Taking to an attorney is always a good idea. They know the local laws and can give you the best ... | |
| Misstatement by other party | 11/30/2009 |
| Q: I was in a traffic accident during the Thanksgiving holiday. The other driver failed to yield, ... A: Let me try to answer your questions, 1. Insurance companies can try to claim this, however, if you ... | |
| liability issues | 11/30/2009 |
| Q: my father was in an accident; his car hit by another car on the side at intersection where both ... A: You have several questions here. Fault/liability will have to be determined first. Many factors ... | |
| disclosure of bodily injury limits | 11/26/2009 |
| Q: I was found at fault for a multiple vehicle auto accident in which there were injuries. My insurance ... A: Well, if an attorney wants to know your limits, they can ask you or they can seek a court order to ... | |
| auto insurance | 11/25/2009 |
| Q: Anne, I am a starter on purchasing auto insurance. Is it true that if you live in a city with high ... A: Yes, this will affect your premium. The questions really is how much? Would it be something to ... | |
| My insurance co. not behind me | 11/25/2009 |
| Q: I was involved in a 4 car pile-up accident. I was #2 counting from the top and was able to stop in ... A: let me answer your specific questions. 1. The police report will be critical here. It appears that ... | |
| Claim | 11/24/2009 |
| Q: What should I expect from the auto insurance company since I was in a car accident while driving ... A: I am a little confused with your question. You own two cars but had only one listed? well, this ... | |
| Car Accident | 11/24/2009 |
| Q: In July of this year I was in an accident on a busy interstate in Georgia. The 19 year old was ... A: Well you are in a difficult spot. IF you do get a lawyer, it will cost you at least 33% plus legal ... | |
| Auto Insurance coverage for new engine | 10/1/2009 |
| Q: My wife was on a long road trip recently in my 2000 Mercedes. The engine overheated, and so much ... A: I am sorry to hear about your problem. This is a warranty problem and not an insurance issue. Most ... | |
| Cargo transport | 9/30/2009 |
| Q: I and my son moved from Arizona to NJ in September. My car got transfer on an Auto Transport, ... A: Well, you are owed 100% of your damages + the loss of use (reasonable rental car). The insurance ... | |
| Auto Estimate | 9/29/2009 |
| Q: My car was hit while it was parked. Luckily the guy waited for me to come out and gave me his ... A: Yes, Joyce. The insurance company has paid for your damages. They are done. If you decide to fix ... | |
| filing claim as passenger | 9/28/2009 |
| Q: On 2-26-09, I was a passenger in a car involved in a three-car collision. The car I was in was ... A: I am sorry to hear about your accident. I hope you feel better. The ER bill will be paid by the ... | |
| 3rd Party for my son I'm "at fault" | 9/26/2009 |
| Q: I was driving our suburban towing a travel trailer when we were passed on the left by a tractor ... A: I am sorry to hear about your accident. That sounds like a pretty bad experience. Regarding PTSD ... | |
| Claim Settlement Offer | 9/24/2009 |
| Q: I was involved in auto accident in November of 2008, and I was not at fault and as result I was ... A: well, it is very hard to day if this is fair without looking at all your medical records, and also ... | |
| Full coverage vs PLPD | 9/24/2009 |
| Q: My husband owns a 94 Ford F-150 4x4. It's in decent condition. He drives it to/from work and an ... A: This is a very good question. Look around your local market and see what a 94 Ford F-150 4x4 goes ... | |
| RE: Denied Collision Coverage for unlisted Driver of REntal | 9/23/2009 |
| Q: I was denied collision coverage because I let my son drive the rental car i rented in my name and ... A: Probably yes. You have to read the rental agreement (and also your auto policy) to see what exactly ... | |
| insurance claim | 9/22/2009 |
| Q: had an accident both parties had geico insurance when i put in a claim for damages geico told that ... A: This does not sound correct. If the other party is at fault, then their Geico policy must corver you ... | |
| Insurance claim rejected | 9/22/2009 |
| Q: My daughter who is 26 was behind on her insurance premium, it was due on 8-12-09. On 9-12-09 her ... A: A coverage investigation must be done. It's hard to answer your question without the specific ... | |
| Insurance claim | 9/21/2009 |
| Q: I was involved in an accident where the orther party was at fault. The other party rearended me ... A: I am sorry to hear about your car accident. It is very hard, if possible at all, to tell you exactly ... | |
| Auto Insur Practice | 9/20/2009 |
| Q: When drivers of an accident have the same insurance company & both adjusters say their driver is 0% ... A: Both drivers cannot be 0% at fault. There must be someone that cause the accident. The only ... | |
| personal injury claim & PIP | 9/18/2009 |
| Q: I am trying to resolve a personal injury claim with the at fault party's insurance. The adjuster has ... A: Hell Ashli, You want to make sure that the all insurance companies know about your medical ... | |
| body damage by child | 9/18/2009 |
| Q: my son made some...ok many small dents in car body panels while playing in driveway. Is this ... A: well, the damage was intentional (the child hit the car intentionally with an object - no intending ... | |
| RE: Accident | 9/17/2009 |
| Q: I had an accident in my daughter's car. She lives in NJ, and I in PA I hit someone at the light. ... A: Yes, her insurance will have to have her statement that you were a permissive driver and that the ... | |
| Damage to a car when it was in transit | 9/17/2009 |
| Q: My vehicle was sent from Virginia to Wisconsin a few weeks ago through a moving company, which ... A: I am sorry to hear about your bad situation. There are some issues here (as you noted). You could ... | |
| Fault? | 9/17/2009 |
| Q: Semi turning onto my road from left at T intersection. I turned left and was struck in rt.front ... A: Your insurance company (your representative must do an investigation). A decision based on your ... | |
| Auto accident claim | 9/10/2009 |
| Q: Last year my two daughters and I were involved in an accident when an SUV pulled in front of our RV. ... A: Unfortunately, as you are entitled to pain and suffering, loss of vacations/work, and time loss only ... | |
| denied claim in a hit an run | 9/9/2009 |
| Q: I got hit and run, took some pictures and got the license plate called the police. The other party ... A: I think you do need to contact the office of the insurance commissioner. They will walk through the ... | |
| Insurance Claims | 9/8/2009 |
| Q: Is it illegal to file a claim for a car accident on the date the insurance policy was established if ... A: If you have knowledge that the accident occurred before the policy was acquired, and you are ... | |
| Auto claims settlement | 9/8/2009 |
| Q: I was a victim of a minor rear end collision. I have a 2008 Ford Focus that was in-service less ... A: Your instincts regarding the repair estimate are 100% correct! They are cheaper repairs with used ... | |
| Paint scratches - should I file a claim ? | 9/7/2009 |
| Q: When I came back to my car (2007 2-Dr Accord DX, 10K miles) after shopping, I found two scratches on ... A: Well, some agents will tell you to not say anything and fix them yourself because your rates will ... | |
| What should i do | 9/5/2009 |
| Q: Was in an accident about 3 months ago where I was a passenger in someone elses vehicle I substained ... A: You need to contact an attorney. There are too many issues you need to take care of, and without ... | |
| What do I ask for a PI settlement? | 9/4/2009 |
| Q: I was in an accident in July where the other driver pulled out from a stop sign and hit my front ... A: Well, this is a very difficult to answer. There are way too many variables that can affect your ... | |
| 3 car collision at fault dispute | 8/25/2009 |
| Q: I was the middle driver of a 3 car collision. I was driving on freeway. The traffic ahead ... A: I am sorry to hear about your situation. Car accidents can be very stressful and are a pain ... | |
| payout | 8/24/2009 |
| Q: What is a typical payout; My wife was injured in an auto accident. Other party 100% at fault by both ... A: Your question is too broad to answer here. Without looking at all her medical records, bills, ... | |
| Coverage auto insurance | 8/22/2009 |
| Q: I have a 1998 Toyota Camry with 99,000 miles and the blue book value of the car is around $2,100. I ... A: Probably yes. If you think the value of your car is 2,100, then that is about the most the insurance ... | |
| No Insuance, involved in accident, not at fault. | 8/21/2009 |
| Q: I was involved in an accident. I was on my way out for lunch, as I was exiting the parking lot in ... A: Well, a fault investigation must be done. This is where things can get ugly for you. The "usual" or ... | |
| Auto Claim getting me upset | 8/20/2009 |
| Q: I have been crossing my t's and dotting my i's during this whole process. I am dealing with 3 ... A: Well, Diminished value claims are difficult and insurance companies will fight you to the nail... ... | |
| Personal Injury Settlement Question | 8/20/2009 |
| Q: I was in a car accident where I was hit by a truck that hydroplaned. The other driver received the ... A: I am very sorry to hear about your accident and you foot. Well, you have a higher amount claim. ... | |
| Accident - assigning fault | 8/19/2009 |
| Q: My husband was backing out of an unmarked stall. He looked to his left and observed another truck ... A: Well, the point of impact does not look very good (their rear quarter panel). What it means legally ... | |
| personal injury claim | 8/19/2009 |
| Q: While I was on vacation in Alaska 12/24/08, I was rear ended by another vehicle. My no fault ... A: Your question is very hard to answer without looking at all your medical records. Are you sure you ... | |
| Accident - assigning fault | 8/19/2009 |
| Q: My husband was backing out of an unmarked stall. He looked to his left and observed another truck ... A: Well, all factors matter, including the ones you are mentioning. However, both drivers had a duty to ... | |
| Settling a claim | 8/18/2009 |
| Q: I have been going back and forth with a rep from an insurance company whose insured broadsided my ... A: I am sorry to hear about your injuries. Well, Small claims can be a good forums under limited ... | |
| Auto Claim getting me upset | 8/18/2009 |
| Q: I have been crossing my t's and dotting my i's during this whole process. I am dealing with 3 ... A: I am sorry to hear about your situation. Car accidents are very frustrating, not because of the ... | |
| suspeneded license | 8/18/2009 |
| Q: will my insurance cover me if i was involved in an accident and they could not determine who was at ... A: Well. It depends on the exact language of your policy. Most policies do not exclude coverage for ... | |
| How soon will the insurance close a case? | 8/17/2009 |
| Q: I have two questions. 1) Will the insurance close the case as soon as they have paid the payment ... A: If that is what the Department of insurance is advising you, then it makes sense. If the insurance ... | |
| help on settlement offer | 8/17/2009 |
| Q: My son and were in an accident in February of 2008 , I was stopped at an intersection waiting on the ... A: Generally speaking, a 100/300 limit is per person, and for a total amount. If you have 2 people ... | |
| Subrogation | 8/14/2009 |
| Q: Greetings. I have a question regarding an auto claims settlement I am trying to finalize. A few yrs ... A: It was probably a mistake not to involve your insurance company. If they paid for your medical ... | |
| Hit on vacation and somehow, getting the shortend of the stick | 8/14/2009 |
| Q: I was out of state and was hit. My car was totaled and the kid that hit me took full responsibility. ... A: I am sorry to hear about your situation. I understand your frustration. You have your life majorly ... | |
| Auto Accident Injury - Medical over policy limits | 8/14/2009 |
| Q: I was involved in an auto accident in Sept 2007 when the other driver ran a red light. I had second ... A: I am sorry you are in this situation. You really need to talk to an attorney. The 30 -40% issue here ... | |
| How soon will the insurance close a case? | 8/13/2009 |
| Q: I have two questions. 1) Will the insurance close the case as soon as they have paid the payment ... A: 1. A claim will be closed when all issues are resolved. Usually this means all payments are made. ... | |
| Claim Release (CR) form from Ins. Co. | 8/13/2009 |
| Q: I have reached a settlement number for a "minor" loss due to a not-at-fault auto claim. I have ... A: You have to be very careful with CR forms and the legal language, this can get you on that gotcha ... | |
| auto claim | 6/30/2009 |
| Q: how long is the process for paying an claim, on an non injury accident. such as car parked. someone ... A: They are required to make a determination in 30 days. If they cannot, then they have to explain the ... | |
| auto accident and seizure | 6/28/2009 |
| Q: Person is driving in the state of NJ, has a seizure and gets in a car accident. I do medical billing ... A: Auto policies cover auto accidents, and health insurance covers just about everything but auto ... | |
| Auto Accident while on the clock | 6/27/2009 |
| Q: Just yesterday I was involved in a car accident. The other driver was in the far left lane while I ... A: I am sorry to hear about your accident, Nice truck, by the way. Well, you have somewhat of a more ... | |
| auto insurance for teens | 6/25/2009 |
| Q: We have custody of my 16 & 17 year old stepkids in Fl. and have 15 year old twins who only visit ... A: Well, you should add everyone to be "safe". That for course can get expensive. If they are license, ... | |
| Texas Auto Accident Claim | 6/24/2009 |
| Q: Hoping for information on this my family was t-boned while crossing an intersection the driver was ... A: Yes, this is a tactic to avoid paying. The insurance company does not want to cover this claim ... | |
| car accident claim | 6/24/2009 |
| Q: I was in a wreck which was the other driver fault. he omitted to fault at the time of accident. ... A: You have to make a claim with his insurance company. Depending no how clear the witness are and how ... | |
| What coverage will pay for the personal property in a car? | 6/22/2009 |
| Q: My glasses were broken in a car accident (no injury). My car has full coverage and I will file a ... A: uninsured motorist coverage will kick in if the accident is not your fault and the other party is ... | |
| What coverage will pay for the personal property in a car? | 6/21/2009 |
| Q: My glasses were broken in a car accident (no injury). My car has full coverage and I will file a ... A: Personal property is not covered by your own auto policy. If someone else caused the accident, then ... | |
| Fault of Accident | 6/20/2009 |
| Q: I was involved in an accident where the other driver was stopped in the middle of the lane on the ... A: Well, fault is determined by a negligence, a legal concept comprise of Duty, Breach, Causation and ... | |
| Re-filing in small claims/justice court. | 6/19/2009 |
| Q: I was injured due to someones reckless/drunken behavior. I filed a case and received a judgement ... A: Most likely not. If you have a judgment, the the matter was already heard. You are probably barred ... | |
| Auto Insurance obligation | 6/19/2009 |
| Q: My son-in-law was plowed into from behind while sitting at a red light, he struck the vehicle in ... A: The insurance company MUST only pay your son for the fair market value of the car. This can be ... | |
| car scratch in parking lot | 6/18/2009 |
| Q: quick question. I was loading my groceries into my car and then decided to put the shopping cart ... A: well, this is actually a pretty complicated question that would require the actual language of your ... | |
| Roomate Auto Insurance | 6/17/2009 |
| Q: I am a student living with my girlfriend. She owns a car and I do not. When getting insurance for ... A: I am sorry to hear about your accident. Well, I not 100% with what Nationwide does, but the issue is ... | |
| Emotional Trauma | 6/17/2009 |
| Q: Two weeks ago my wife was rear-ended in an auto accident. The other ins co accepted fault. We ... A: you have a very difficult situation. Your wife must be able to document her damages and just about ... | |
| Auto Accident with Permissive Use. | 6/16/2009 |
| Q: I was going through an intersection when a vehicle traveling in the opposite direction failed to ... A: I hope you are okay and that you were not hurt or anything like that. The way this type of claim ... | |
| post con. syndrome | 6/16/2009 |
| Q: emergency room and doctor about 5 time i have had a little shoulder pain also have had a little ... A: I am sorry to hear about your injury and damages. Well, it is very hard to assess someone's damages ... | |
| Insurance claim and coverage afterwards | 6/15/2009 |
| Q: On 6/1/09 I was in an accident involving a deer. After contacting the proper authorities and my ... A: If your car is a total loss, then you can opt to keep the salvage or to "turn" your car in to the ... | |
| long crack | 6/14/2009 |
| Q: a truck on the highway propelled a pebble at my windshield and left a small chip. i thought it was ... A: Well, full coverage usually means that you have collision and comprehensive coverage. Comprehensive ... | |
| 4 car domino rear end - initiator sped off | 6/12/2009 |
| Q: I was approaching a traffic signal when a car rear ended me from behind, i went on to hit a car in ... A: I am sorry to learn about your accident. If you were stopped and the only reason why you hit the ... | |
| NON PAYMENT FROM INS. COMPANY | 6/11/2009 |
| Q: I AM HAVING A HUGE ISSUE WITH INSURANCE COMPANIES NOT PAYING IN A TIMELY MATTER. FOR EXAMPLE ... A: You need to contact the Florida Department of Insurance and report the carriers for not paying your ... | |
| Driver lied to their insurance company | 6/10/2009 |
| Q: I was in an accident on May 24th, 2009. My brother was driving my car with me as a passenger, and ... A: I am sorry to hear about your situation. Can they really deny your claim on those basis alone? Most ... | |
| Other driver backed into me but lied about it. | 6/10/2009 |
| Q: was behind another car who backed into me. The driver did not want to call the police but I ... A: I am very sorry to hear about your situation. The issue here is that fault really is not what ... | |
| Personal Injury | 6/9/2009 |
| Q: My wife was in an accident. A wrecker truck towing a car ran a red light and hit another commercial ... A: I am sorry to hear about your wife's injury. You probably have a higher settlement possibility here. ... | |
| value if injury claim / ins co offer | 6/9/2009 |
| Q: I was hit in the rear by another motorcycle in Texas. At 50-60 mph I was thrown to the pavement, ... A: I am sorry to hear about your injury and motorcycle. This is hard because you are in Canada and I ... | |
| Total Loss by Third Party | 6/9/2009 |
| Q: .. I was involved in a hit and run well the officer over my case found the person who hit my car and ... A: I am very sorry to hear about your loss. Unfortunately, both insurance companies will owe you the ... | |
| Rear-end collision | 6/8/2009 |
| Q: Anne, My wife has caused a rear-end collision in bumber-to-bumper traffic at slow (10 mph) speed. ... A: I am not quite sure what you mean about the insurance surcharge? Are you worry about your rates ... | |
| pedestrian car | 6/8/2009 |
| Q: was hit by a vehicle in Dec. 2009. I was transported by ambulance to ER (this was Christmas season ... A: You have a stronger case because you have a pedestrian v. car accident (juries feel bad for ... | |
| Your perspecttve | 6/7/2009 |
| Q: I know that you're an expert in auto insurance claim process so I would appreciate your help. I ... A: This is really not a claim question so I cannot really help you. You need to address your issues ... | |
| Total Loss, no fault, inquring about rights | 6/6/2009 |
| Q: Location: Iowa My car has been deemed a total loss due to a driver running a red light. That ... A: I am sorry to hear about the issues and damages to your car. Unfortunately, in order to be ... | |
| Hail Damage | 6/6/2009 |
| Q: My vehicle was hit pretty good by a hail storm and I received a check made out to me and the lien ... A: Well, sounds like you have your hands tied. The lien holder has rights as real owner and either you ... | |
| When do I can cancell my auto Insurance | 6/4/2009 |
| Q: Recently I'm involved in an accident, which happened three weeks before my insurance is going to ... A: If you have a claim pending, it is wise to keep the policy and not let it expire. It gives you more ... | |
| I am being put at fault when I should not. | 6/4/2009 |
| Q: On May 10th, I was involved in a traffic accident. While on the left lane for a left turn, I was ... A: I will answer some of your questions. You mentioned you have an attorney, which you are probably ... | |
| NO STOP SIGN NO FAULT? parking lot collision :( | 6/3/2009 |
| Q: My question involves an injury that occurred in the state of: New York [Queens] Hello, My ... A: I am sorry to hear about this situation. Parking lot accidents are probably the most difficult type ... | |
| Insurance won't cover my loss | 6/3/2009 |
| Q: My daughter was traveling straight through a green light and another vehicle turned left in front of ... A: I am sorry to hear about your situation. You have several questions here, so I will address each ... | |
| I am being put at fault when I should not. | 6/2/2009 |
| Q: On May 10th, I was involved in a traffic accident. While on the left lane for a left turn, I was ... A: Your insurance company has a duty to advocate for you. They must be on your side an help you defend ... | |
| insurance claim | 6/1/2009 |
| Q: I was in a car accident 8 months ago. My medical bills are over $10,000.My time loss from work and ... A: You have several different issues here. There are many things that you need to consider before ... | |
| Rear end collision | 5/28/2009 |
| Q: While riding passenger, my boss's truck was rearended. The collision resulted in a complete loss of ... A: I am sorry to hear about your accident and injuries. That does sound very low, but it is very hard ... | |
| Personal injury/ medical records question | 5/27/2009 |
| Q: This may be off-topic but I thought I'd ask. I was in a rear end collision in August of 08, other ... A: Yeah, that does not right. You must sign a release before your records can be surrender. You can ... | |
| son-in-law borrowed car | 5/27/2009 |
| Q: Our son-in-law borrowed a car of ours and got into an accident with another car.We thought that ... A: I am sorry to hear your situation. You have to be negligent in order to be liable. Please see: ... | |
| 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: Your specific questions are: If the ICA panel should rule against us, will my wife now be considered ... | |
| Rear-end collision Facet injury | 5/20/2009 |
| Q: In July - 08 Our van was stopped, and a commercial 26 ft box truck traveling at over 60 mph rear ... A: I am sorry to hear your are in this situation. You do not want to stop treatment, or the insurance ... | |
| No money for Personal Injury | 5/20/2009 |
| Q: I was a passenger in a rear ending accident on April 11, 09. There was no police report and none of ... A: Well, when damages are so minor, it is hard to see how someone could be injured in that fashion. It ... | |
| I hit our other vehicle while backing out of the driveway | 5/19/2009 |
| Q: I hit our other vehicle while backing out of the driveway this morning. Both vehicles are covered ... A: I am sorry to hear about your accident. What a way to start your day? Sorry. Your liability ... | |
| liability | 4/25/2009 |
| Q: Will an insurer be liable in the case of a total loss where a vehicle insured as a carriage vehicle ... A: If the insurer is insuring that one vehicle for collision (and or comprehensive) and the vehicle is ... | |
| 50/50 - Liability Exposure? | 4/25/2009 |
| Q: My sister recently got into an accident at an intersection. She only has liability coverage. The ... A: Yeah, if the insurance companies cannot make their mind (or the other party simply goes to court) ... | |
| 50/50 - Liability Exposure? | 4/24/2009 |
| Q: My sister recently got into an accident at an intersection. She only has liability coverage. The ... A: If the liability is determined at 50%, the insurance policy would be have to covered 50% of the ... | |
| driver's insurance denies claim | 4/22/2009 |
| Q: I was a passenger in a friend's vehicle. He was driving his brother's car and lost control. ... A: Something does not add up here. The insurance follows the car is usually correct. However, the ... | |
| insurance policy | 4/22/2009 |
| Q: I was wondering since i live at both houses the same amount of time would i be covered under my dads ... A: Your issue here is that you are 18, meaning your are not a child and the words "custody" do not ... | |
| Hurt is car crash | 4/22/2009 |
| Q: I was hit by a red light runner. My car was totaled and I was injured in the crash. The police ... A: Well, You should consult with an attorney. I know that you do not want to, but this is the only way ... | |
| Wreck. | 4/20/2009 |
| Q: I had a wreck this past sunday in a private parking lot. It was my fault, but it only hurt my car. ... A: You can still file the claim. The longer you wait the harder it will be to adjust the claim. You do ... | |
| Auto Accident-Rental Car | 4/17/2009 |
| Q: I was in a accident on Feb 22, 2009. I drive a 2007 Dodge 3500 truck cab & chassis with a flat bed. ... A: Well D. The answer is maybe. Who are you recovering against. Your own insurance company or the ... | |
| Odomoter Disclosure | 4/15/2009 |
| Q: A relative recently died in an automobile accident, and I am the personal representative of the ... A: Well, the Odometer Statement is supposed to cover situation like this one. When no one can ... | |
| Do we have to get the car fixed or can we keep the money? | 4/13/2009 |
| Q: We recently had someone run into our car it only looked like a few scratches at first, but then the ... A: You can keep the money. They are paying for your damage, but it's up to you to decide what you do ... | |
| Car accident Accident | 4/10/2009 |
| Q: I was recently involved in an accident in a small "mall" type parking lot. I was leaving the parking ... A: I am sorry to hear about your accident. The adjuster is correct. If there are disputed facts, they ... | |
| Claim Payment | 4/6/2009 |
| Q: I was hit last week and the other party's insurance has accepted 100 liability. They asked me if I ... A: The adjuster has the ability to give you a field check. Most of them are authorized signators on the ... | |
| Parking Lot Accident | 4/4/2009 |
| Q: today i was involved in a parking lot accident. i was fully stoped from backing out and about to ... A: Well maybe. The party backing up has a greater duty than the party going straight. You have the duty ... | |
| Auto accident claim | 4/3/2009 |
| Q: i was in an accident where i T boned another car, the other drive was drinking and was arrested for ... A: Sorry to hear about your situation. You get one claim per insurance company. The claims might be ... | |
| Settlement for being hit by car | 4/1/2009 |
| Q: My son, who was 15 at the time, was working as a carhop. While delivering food to a customer he was ... A: I am sorry to hear about your son and his broken arm. Sounds like the WC claim has been covered, ... | |
| bodily injury claim | 3/31/2009 |
| Q: I was driving 35mph through a green light when a cyclist slammed into my door, shattering the window ... A: Well, this is a hard question because car v. cyclist accidents do not look very good in front of a ... | |
| Auto personal injury claim | 3/31/2009 |
| Q: The insurance adjuster send me a letter stating that if I go to the doctor after Feb 2, 2009 they ... A: NO you do not have to settle if you do not want. Do not feel pressured to settle if you believe you ... | |
| vestibular injury | 3/31/2009 |
| Q: a state highway with a speed limit of 50mph. The teenage girl who hit me saw me at the last second ... A: You have several issues here. You have a somewhat of a complex claim here (not a soft tissue injury ... | |
| at-fault rights | 3/30/2009 |
| Q: "I rented a vehicle, a tractor trailer tire tread hit front end and caused damage to the grill and ... A: You have contractual rights with your own insurance company. They will investigate and pay what it ... | |
| auto accident | 3/30/2009 |
| Q: my son was in a minor fender bender,no one was injured and there was only a dent in the other ... A: Well, it shows on your policy for your own insurance company. It will affect both of you on your own ... | |
| parking lot accident | 3/30/2009 |
| Q: I was leaving at a medical building parking lot. When I backing off a car and stop and then I ... A: Yeah, it could affect your premium. In fact, it will. The question is how much? Some insurance ... | |
| SDIP appeal process | 3/27/2009 |
| Q: I was recently involved in an accident with a non-moving vehicle. Specifically, I was backing out of ... A: Sorry to hear about your situation. Your argument will fail because if the weather conditions (and ... | |
| parking lot accident | 3/27/2009 |
| Q: I was leaving at a medical building parking lot. When I backing off a car and stop and then I ... A: Well this is very difficult. It really depends on what kind of damage (or injury) you believe you ... | |
| Personal Injury | 3/25/2009 |
| Q: I was involved in a car accident beginning of December and I'm negotiating my settlement with the ... A: Well, it would be hard to say if $9,000 to 10,000 would be fair (average settlement awards vary from ... | |
| Insurance company suing - statute of limitations? | 3/24/2009 |
| Q: Back in September, 2003, in Tennessee I was in a car accident as an uninsured motorist, at fault. I ... A: Damages to the car are subject to the property damage statute of limitation (whatever that is, you ... | |
| Personal Injury | 3/24/2009 |
| Q: I was involved in a car accident beginning of December and I'm negotiating my settlement with the ... A: Well, This is very hard without all the details (medical records). You have somewhat of high medical ... | |
| Insurance policy that did not cover a minor accident? | 3/20/2009 |
| Q: hopefully you can answer In 2004 I and my ex-husband were fully in sured by Mercury auto on the suv ... A: Umn.. This is indeed somewhat complicated. My gut instinct tells me that there should be coverage ... | |
| insure | 3/20/2009 |
| Q: We have a boxing team and a gym. We also have a van that we would like to purchase for trips to ... A: Well, you really need to talk to an agent. You might consider becoming a business or a small charity ... | |
| Filing Claim for Pain and Suffering | 3/19/2009 |
| Q: If a person was hit by someone about 4 years ago and had back problems and got hit again and it ... A: If your “new” accident has been recent and you still within your statute of limitations (every state ... | |
| auto accident with uninsured motorist | 3/18/2009 |
| Q: My brother-in-law was driving his cab and t-boned. The at-fault driver is uninsured and his cab co. ... A: Most likely not. He was working and probably needs a business policy. Auto policies usually ... | |
| pain and suffering inclusions | 3/18/2009 |
| Q: I read the article talking about demand letters and to ask for 3.2 times the medical bills for pain ... A: well, no. There is not set on stone rule on how to settle this type of thing. It might be helpful to ... | |
| hit and run | 3/17/2009 |
| Q: i,was at fault in a hit and run accident that damaged a pole,and my car,what will the insurance pay ... A: This might very well deny you coverage all together. Insurance companies can construe this as ... | |
| Auto Insurance Claim Question | 3/17/2009 |
| Q: If a specific vehicle is covered on an insurance policy, but not the primary driver, and the primary ... A: Well, maybe yes, but probably not. Let me explain. You insured vehicles, not people (as far was ... | |
| Advice needed! Will I get a ticket in a car accident? | 3/16/2009 |
| Q: It was a late night. I drove to the wrong way of a one-way street. When I passed an intersection ... A: well it is a matter of choice (your choice). You have to bear on mind all the possibilities without ... | |
| hit and run | 3/15/2009 |
| Q: i,was at fault in a hit and run accident that damaged a pole,and my car,what will the insurance pay ... A: If you have liability coverage and there are no exclusions for leaving the scene (most likely there ... | |
| Auto Accident - not my fault | 3/13/2009 |
| Q: I live in North Carolina. I own a 2007 Toyota Rav 4 with 39,000 miles. I was stopped for an on ... A: This is perhaps one of the most frustrating things regarding auto claims. Your rights as are this: ... | |
| auto insurance | 3/13/2009 |
| Q: I am 18 years old and I am living at my moms house I am not insured through her car insurance ... A: Your motorcycle policy will not cover you in any vehicle accident anywhere. You need an auto policy ... | |
| Auto collision while riding passenger on the job | 3/13/2009 |
| Q: In October of 2008 I was riding passenger of my employers work truck. We were rear ended while ... A: You cannot double dip workers comp and a back wages claim. This is pretty well settle law in the ... | |
| insured car, uninsured driver | 3/12/2009 |
| Q: I have been scouring the internet for some help and I still don't understand the situation I am in ... A: I am sorry to hear all of this. Let me start by saying that, unfortunately, insurance agents are ... | |
| http://www.auto-insurance-claim-advice.com/ | 3/11/2009 |
| Q: I chose a lawyer at random.I have no personal Ins.No reg.Dr. I was laid off months back.Lady Hit and ... A: This sounds weird. Do you have PIP coverage? If no doctor wants to deal with your insurance, time to ... | |
| um claim | 3/11/2009 |
| Q: I was involved in a serious rollover accident caused by a phantom vehicle over a year ago. I hired ... A: I am sorry to hear about your situation. You are represented by an attorney which is the best thing ... | |
| high speed police chase | 3/10/2009 |
| Q: Morning Anne, on Dec 13th 2008 my husband and I were hit during a police chase. The bad guy being ... A: In short, yes you are owed the difference from what you were making and what you are making now ... | |
| No insurance situation | 3/10/2009 |
| Q: in advance. I bought a car from a friend in California where I am currently living. I went to my ... A: You have several questions here, so I will give you my assessment of the situation and try to ... | |
| Auto Claim Dispute | 3/9/2009 |
| Q: We are in Texas-my son got hit from behind by a vehicle which pushed him into the vehicle in front ... A: Texas follows a modified comparative fault – 51% rule meaning that your son will not be liable for ... | |
| Bike Rack Damage in Auto Accident | 3/8/2009 |
| Q: I just recently rear ended other car while waiting on the light change. I guess, I was moving 3-5 ... A: Well, you have a duty to report your losses, please see: ... | |
| Resonable amount | 3/8/2009 |
| Q: The accident, kid ran a red light and t bone my car. Wife suffered a torn MCL ligament. What is an ... A: She should ask for all pain and suffering plus diminished earning capacity. There are many factors ... | |
| Minor accident in my driveway | 3/7/2009 |
| Q: Today i was backing out of my long driveway. When I got to the end of the driveway I went to stop ... A: Sounds like you have to file a claim with the insurance companies so they can investigate fault. If ... | |
| who do I take to court? | 3/7/2009 |
| Q: I was on a main back road, down the street from my work, when a lady backed out of her driveway and ... A: Something does not add up here. You have liability coverage, which means that they must protect you ... | |
| PIP payments | 3/6/2009 |
| Q: I was in an accident last year that was not my fault. I needed physical therapy which the other ... A: Yes, they do not have to give you the money of your medical bills. Let me explain. Usually, your ... | |
| left turn who is at falt | 3/6/2009 |
| Q: my son was making a left turn almost got through a car was going through the intersection and hit is ... A: It is very hard to determine who is at fault here. There is very little information in your ... | |
| Is it necessary to file? | 3/5/2009 |
| Q: Can you answer my question. Yesterday bend tree branches due to the heavy snow scratched on a ... A: Yes, I believe that I does. When I was adjusting claims, I had to submit a report to underwriting ... | |
| Is it necessary to file? | 3/5/2009 |
| Q: Can you answer my question. Yesterday bend tree branches due to the heavy snow scratched on a ... A: Lou, this is a very hard question. How much will your rates be increased by? No one really knows ... | |
| Snow Related Accident | 3/5/2009 |
| Q: I was on a major highway in MD and lost control of my SUV due to snow. The roads were not yet salted ... A: The wall will be covered under your liability coverage. You are liable to the city (for losing ... | |
| omnibus clause | 3/4/2009 |
| Q: My boyfriend just got home from active duty and we were wondering if my car would be covered if he ... A: the omnibus clause is in almost every policy. Chances are is that your police also has it in it. As ... | |
| Is it necessary to file? | 3/4/2009 |
| Q: Can you answer my question. Yesterday bend tree branches due to the heavy snow scratched on a ... A: It appears that you do have a comprehensive claim (the insurance companies will do a coverage ... | |
| "Restricted Policy" | 3/4/2009 |
| Q: My boyfriend just got home from active duty and we were wondering if my car would be covered if he ... A: I am sorry you are in this situation. Insurance companies can be a little are not very good about ... | |
| Car Accident - Personal Injury | 1/29/2009 |
| Q: The day after Christmas, my mother and I were "after Christmas" shopping ... en route back to my ... A: You have a serious claim that could be worth a lot of money. There is so much complexity on your ... | |
| coverage | 1/29/2009 |
| Q: Is there different kinds of full-coverage insurance. My brother had full-coverage and he lend me the ... A: No full coverage means liability + collision + comprehensive. Usually, (90%) of the time, auto ... | |
| at fault car accident | 1/22/2009 |
| Q: I ended up hitting a parked car in there driveway. The car I was driving was my fathers and he is ... A: Alex, It depends. Were you driving this car with his permission? If you took the car without ... | |
| insurance problem | 1/22/2009 |
| Q: And thanyou so much for taking the time to respond to my message, all help is truly appreciated!! I ... A: our fiancé needs a lawyer. There is really nothing else he can do. The insurance company will have ... | |
| minor accident, not at fault | 1/21/2009 |
| Q: While driving my car, my boyfriend was involved in a minor accident. Another car switched lanes ... A: You need to get in contact with your insurance company as soon as you can. Insurance follows the ... | |
| UM / UIM coverage | 1/21/2009 |
| Q: I am seeking to upgrade my auto policy in Kentucky. I have uninsured/underinsured limits of ... A: Well, your question is somewhat difficult because you are asking me to really forecast your chances ... | |
| Motorcycle accident claim question | 1/21/2009 |
| Q: While riding my motorcycle I hit a pedestrian. My insurance considered me 100% at fault: "failure to ... A: Your insurance company has a duty to you! They have an affirmative duty to settle within policy ... | |
| total loss on my vehichle and salvage | 1/20/2009 |
| Q: I was wondering how I would be able to keep my car, after my insurance company has already issued me ... A: It really depends. Some states will not let you retain your total. Most do. Some insurance companies ... | |
| crash and insurance | 1/19/2009 |
| Q: anne i was rear ended friday 1-16-09 my truck was rolled and totaled out my question is i had only ... A: I am sorry to hear about this. The answer to do is yes…. Maybe. You are entitled to get a rental ... | |
| 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: Well, If your insurance company has suspicion of fraud or believe something is up, they can delay ... | |
| Traffic Light Pole Accident | 1/19/2009 |
| Q: i recently got into an accident where i ran down a single traffic light pole. the ones that only ... A: I adjusted couple of claims like this one. I cannot tell you how much this will cost, but traffic ... | |
| Prior Damage claim | 1/17/2009 |
| Q: My Question is about how much a insurance agency can deduct for prior damage. I bought my car a ... A: Yeah, concepts of betterment law do come into play. The insurance company must compensated you back ... | |
| Fault and Liability | 1/16/2009 |
| Q: I've been waiting for two weeks regarding my Liability Does it take this long for the other insurer ... A: Insurance companies have up to 30 days to make a determination on fault. Many insurance companies ... | |
| Settlement of Injury Claim | 1/15/2009 |
| Q: I was injured by another driver in an auto accident back in July 2008. The other insurance co has ... A: It would be very hard to determine what you are owed regarding pain and suffering without more ... | |
| 25/75 liability | 1/14/2009 |
| Q: I'm wondering, in auto insurance claims, what does a percentage liability mean exactly. For example ... A: The answer depends on who your insurance company is and what state you live in. States usually ... | |
| collision with "overhead objects" | 1/14/2009 |
| Q: I rented a U-Haul truck and bought their damage waiver. I backed into a tree trunk and slightly ... A: Well, you can certainly deal with this yourself and keep your insurance company out of this. The ... | |
| Underinsured Motorist Claim Settlement for Minor | 1/13/2009 |
| Q: Greeting, We had an auto accident two years back in that my wife and son (4 year old) were injured. ... A: By your questions you really need to talk to a lawyer. This is way over your head. I do not mean to ... | |
| collision with "overhead objects" | 1/13/2009 |
| Q: I rented a U-Haul truck and bought their damage waiver. I backed into a tree trunk and slightly ... A: Well. This will be very difficult. If U-Hal’s carrier (and/or their insurance company) treats you ... | |
| Settling auto claim outside insurance | 1/12/2009 |
| Q: I was recently in an auto accident in Minnesota where my vehicle rear ended a vehicle at a stop sign ... A: Well… you are half way correct. Insurance companies do not allow double payment. Tort law and the ... | |
| Suing in small claims court for Auto Accident | 1/10/2009 |
| Q: I need to file in the small claims court, for an auto accident where a 19 year old rear ended my ... A: the answer is it depends on your jurisdiction. You can cover yourself by naming both and have them ... | |
| PIP insurance | 1/9/2009 |
| Q: My daughter recently was in an accident where it was not her fault and the other party has claimed ... A: Well, usually you do submit your medical bills to your own insurance company. They pay them under ... | |
| pain and suffering check | 1/9/2009 |
| Q: How the amount for a pain and suffering check is determined? A: Your question is very long and complex. The best thing I can do is to refer you to this website, all ... | |
| Insurance Company refusal of claim | 1/9/2009 |
| Q: My mother was in a car accident driving on a main route. A truck came out of a side street from a ... A: The police report will make her case stronger. This report will probably make her case. The other ... | |
| Vehicle accident on private property | 1/8/2009 |
| Q: I backed into another vehicle in my driveway in May 2008. The accident was not reported to the ... A: The shortest statute of limitation is 1 year. In some states it is up to 6 year. It depends on your ... | |
| Insurance Company refusal of claim | 1/8/2009 |
| Q: My mother was in a car accident driving on a main route. A truck came out of a side street from a ... A: Police reports are strong evidence but If there is evidence to disprove the report, it can be ... | |
| value of car due to mileage in accuracy | 1/8/2009 |
| Q: I don't believe this is a insurance claim question, but I am trying to find an answer to my problem! ... A: Well, you have couple of issues here. 1. Is 3,700 miles enough to get a better deal on the car? ... | |
| Auto Liability Claim | 1/7/2009 |
| Q: My Daughter was involved in an automobile accident when she was 7 months pregnant. She was rear ... A: Well, with the economic situation as it is, we are seeing that insurance companies hold on to ... | |
| drop a insurance claim | 1/7/2009 |
| Q: Anne I hit the parking rail and scratched the car one day after I added collision coverage. The ... A: Well, you can make your wishes known and the insurance company might drop the claim. However, the ... | |
| determining liability | 1/6/2009 |
| Q: I have recently been in an auto accident with another vehicle, and the insurance companies are now ... A: You have very good questions. Unfortunately, I do not encouraging answers. The questions that you ... | |
| minor accident | 1/6/2009 |
| Q: I own two trucks on two seperate policies. I backed one into another one. Are both trucks covered in ... A: Yes, they should be (unless there is an special exclusion). Your situation is actually common. ... | |
| no insurance or license | 1/6/2009 |
| Q: I am 18 and do not have driver's license. I drove my step-father's vehicle and had an at fault ... A: Wow man. Well, sorry to hear that. Yes, the uninsured property damage covers their damages, but the ... | |
| Friend driving my car in a different state with bad weather conditions = Accident | 1/5/2009 |
| Q: My friend is from West Virginia, and I am from Washington. She came to visit me and we drove from ... A: Most likely yes. The Auto policies have a clause called the omnibus clause on it. This clause ... | |
| Diminished value claim | 1/5/2009 |
| Q: My 2008 Toyota RAV4 was hit by a driver running a red light. My car was hit on the driver's side ... A: You hit the nail on the head! And actually, I am very glad you are asking this question. Most ... | |
| dinged car who pays | 1/3/2009 |
| Q: My son was in another car and when he got out he dinged another car. The owner did not call the ... A: Your son would be responsible for the damages he caused to both vehicles (if both vehicles were ... | |
| 1998 ford taurus sho | 1/2/2009 |
| Q: I have a 1998 ford taurus sho in michigan. the vehicle has 140000 miles on it. I researched the car ... A: You are in a difficult position. Insurance companies do not have to take the N.A.D.A. or the Kelly ... | |
| Liability issues | 1/2/2009 |
| Q: i got into a car accident where i was not at fault. the person in the other car who hit me was not ... A: Something does not add up here. Usually insurance companies ask for sworn statements face to face if ... | |
| parking lot accident | 12/31/2008 |
| Q: My daughter was backing out of her parking space she was 90% out and another car started backing out ... A: I am sorry to hear about your accident. NC follows the pure negligence rule (N.C.G.S.A § 99B-4(3)). ... | |
| Question about coverage | 12/30/2008 |
| Q: I want to know if a policy is not paid on time, but has not been cancelled and I have an accident ... A: Probably not, but it depends. Some insurance policies have a “grace period.” If you are within the ... | |
| Power Of Attorney | 12/30/2008 |
| Q: My fathers car was stolen about a month ago, for the insurance to complete the claim, they need him ... A: Not much you can do. All you can do is have him sign the documents from the Cuban Jail. No one can ... | |
| Hit and Run Coverage | 12/29/2008 |
| Q: My truck was hit and run while parked on the street, the person was caught and did have insurance... ... A: It depends. If the driver that caused the damage was a permissive user (the vehicle is not alleged ... | |
| Auto Car Accident Fault | 12/29/2008 |
| Q: well first my fiance and i were on are way to a Christmas party . we had just left the house and ... A: There are two issues here: 1. Fault and 2. Paper work issues. Unfortunately the one has nothing to ... | |
| Recent Accident | 12/28/2008 |
| Q: I have great coverage with AAA. Last night my 19 year old smashed my 1996 Chevy Suburban in an ... A: The total loss process has a few kinks. Usually insurance companies declare a total loss when the ... | |
| does other person insurance pay for my car | 12/28/2008 |
| Q: My daughter was in the left lane on a two lane road and a car in the right lane turned into the ... A: I am sorry to hear about the accident and the damages to your car. You have to help the insurance ... | |
| Cannot find owner of truck used by hit and run driver | 12/26/2008 |
| Q: My car was hit by a drunk driver while parked in front of my house. The driver fled the scene but ... A: I think your insurance company is not talking responsibility for the claim. The claim investigation ... | |
| accident | 12/22/2008 |
| Q: I was backing up in a parking garage when the other driver came speeding out of the adjacent tunnel ... A: Well, The person backing has a duty to look. It is an enhanced duty because when vehicles back up, ... | |
| car hit deer | 12/20/2008 |
| Q: i have liability insurance on my car, loaned it to a friend who hit a deer,she says i have full ... A: Very difficult question. The question is it truly depends on what both insurance policies exactly ... | |
| a totaled vehicle that i owe more that its worth | 12/19/2008 |
| Q: I have a 2 part/2 scinero question. My wife got rear ended yesterday. It ripped the tow hitch out ... A: To your first question, unfortunately, you are responsible for the difference between the total loss ... | |
| ICED Road | 12/18/2008 |
| Q: Q. I was driving on i-40 hit a patch of ice and slipped off the freeway, hit a sign post. My brother ... A: Insurance follows the car. The insurance company of the car will cover the loss regardless of who ... | |
| Forced placed insurance | 12/18/2008 |
| Q: The bank placed insurance on my financed car from July 1 to Dec 1 because I didn't have coverage. ... A: Hum, The bank must explain how this charge happened. If you do not have coverage, banks can do ... | |
| Auto accident and rental car issues | 12/8/2008 |
| Q: Heres a short scenario... A accident occurs with a commercial truck. The companies insurance ... A: Here is short answer to your short scenario. It seems to me like you have two questions. Let me ... | |
| Rear ended problem with investigator | 12/8/2008 |
| Q: I was at a red light when another person rear ended me. The accident was not that bad and I was able ... A: Well, some standard questions are okay, but as you said, what does your husband have to do with ... | |
| unlicensed driver and Fault | 12/8/2008 |
| Q: Yesterday I was going through a tricky intersection and I t-boned two gentlemen as I engaged into ... A: it’s my fault (I like the name, by the way . Will my insurance company fight covering ... | |
| Subrogation Claim Against Me | 12/7/2008 |
| Q: Well, about several months ago, I got in a pretty minor accident (First one). I've just now recently ... A: Sounds like you have insurance ($10K limits). You need to contact your own insurance company as soon ... | |
| SR22 and no insurance | 12/6/2008 |
| Q: a friend of mine got pulled over and did not have insurance along with a couple of other tickets. ... A: Hell Kim, sorry to hear about your friends situations. Well, what kind of tickets and how bad were ... | |
| Farmers won't pay for the rental car insurance | 12/6/2008 |
| Q: I was involved in a car accident a few weeks ago where the rear side of my car was damaged. I called ... A: You are in a difficult situation. Most states require you to cover whatever expenses you have while ... | |
| Pedestriain Hit by car | 12/5/2008 |
| Q: I was hit by a car during my lunch hour. The person who hit me is at fault and my employer is ... A: I am a strong believe that people should try to settle their own claims and save on attorneys fees ... | |
| car total loss | 12/5/2008 |
| Q: I was recently in an accident with my car which was on a lease. The accident was not my fault. The ... A: You hit the nail right on the head. Your argument is very sound, however, the insurance company will ... | |
| Parking Lot Damage | 12/4/2008 |
| Q: "My daughter pulled into a parking space at a shopping center. She did not notice that the spike ... A: Probably not. An object (with a 3 inches sticking out piece) is there to be seen. The driver has an ... | |
| Accident Settlement Question | 12/4/2008 |
| Q: My daughter was hit by a driver in NC (where she attends college) but the car is insured in GA. Her ... A: Should we be responsible for the %500 deductible since our car was totaled by another driver? NO, ... | |
| Rearended by a rental car | 12/4/2008 |
| Q: We live in (MA) and Two weeks ago my wife got rearended by a rental car are state(RI) and the driver ... A: This is an interesting situation. The insurance company is only 50% correct. They are not negligent ... | |
| Insurance Fraud | 12/3/2008 |
| Q: My brother recently did a stupid thing and is now asking for my advice. He was driving home, lost ... A: This is very difficult because your brother might of already close the line and the insurance ... | |
| Car hit while parked for the night | 12/3/2008 |
| Q: My cousin lives in New York and has State Farm comprehensive coverage. This morning he came out to ... A: Sorry to hear about your cousin's situation. Comprehensive coverage applies not on how the car was ... | |
| medical insurance question | 12/3/2008 |
| Q: my name is Matthew and have a quick question for you. So i was rear ended about 2 weeks ago. went ... A: No, you are doing exactly what its best for you. Usually, injuries appear or flare up couple of days ... | |
| LIABILITY ON CO-SIGNED CAR | 12/2/2008 |
| Q: I co-signed for a car loan for my sister, and both our names are on the title. She lives elsewhere ... A: Well this is a very hard question without knowing your state and other living arrangements that you ... | |
| damages not being covered by insurance | 12/2/2008 |
| Q: I was in an accident, it was the other drivers fault. I drove my vehicle away but later found their ... A: Prior damage claims can be a hassle. You have a duty to prove that you did have a loss. This could ... | |
| Insurance trying to total what is not a total loss? | 12/2/2008 |
| Q: I am confused because I was in an accident where I was not at fault and now the insurer of the woman ... A: Well, the insurance company has the decision on whether a car is a total loss or not. They will also ... | |
| Accident Settlement Question | 12/1/2008 |
| Q: My daughter was hit by a driver in NC (where she attends college) but the car is insured in GA. Her ... A: You are owed the rental car and all expenses directly related to the accident (not for the expense ... | |
| Other driver was cited but claim for our coverage denied | 12/1/2008 |
| Q: My daughter was in a accident and the police had determined the other driver was at fault. The other ... A: You have two options. 1. You push your insurance company to go to arbitration (both insurance ... | |
| Insurance Claim Raising Rates | 12/1/2008 |
| Q: Hey, I backed into a rock accidentally, and damaged the rear bumper. Would submitting a claim to ... A: Most likely not. However, it depends on different factors. How much damage (few hundred or few ... | |
| coverage for teen driver | 11/30/2008 |
| Q: Our son is 15, and after passing drivers ed, was qualified to get a school permit which would allow ... A: No they cannot force you. Some insurance agents will put pressure on you to list him a driver ... | |
| rear ended in florida | 11/29/2008 |
| Q: i am told that since florida is a no fault state i can not claim any pain and suffering for soft ... A: Yes, well maybe. In Florida accident, You can only sue for pain and suffering and loss wages if you ... | |
| Legal recourse for automobile arbitration in California | 11/29/2008 |
| Q: A couple months ago I was driving down a one way street (in California), 3 lane road at 5 mph in the ... A: Arbitration bounds the insurance companies, not you necessarily. The arbitration process is based ... | |
| pain and suffering | 11/28/2008 |
| Q: What would be a fair request for pain and suffering? I was rear ended and had some treatment for my ... A: What would be a fair request for pain and suffering? I was rear ended and had some treatment for my ... | |
| Auto car accident claim | 11/28/2008 |
| Q: My daughter was hit from behind at a signal light. The man who hit her has not files a report and ... A: I am having a hard time understanding your question. It appears that a guy hit your daughter and ... | |
| auto accident settlement | 11/28/2008 |
| Q: I was in an accident about an year ago in which I thought I was going to literally die. I was hit ... A: I am sorry to hear about your accident. I really do hope you are okay now (or that you will recover ... | |
| Left turn accident | 11/3/2008 |
| Q: I was leaving from my condo's exit, heading southbound of the street by turning left, it was in rush ... A: Well, the other person only has the right of way if they were legally there to begin with. If the ... | |
| auto ins claim and injury | 11/3/2008 |
| Q: I was hit by a driver in my passenger door that was 1.1 drunk and license are suspended and no ins ... A: I am sorry to hear about your situation. Why were you out of work? Because of you were injured or ... | |
| settlement estimate | 11/3/2008 |
| Q: My husband was in a high speed car accident last month. A truck crossed in front of him on the ... A: Your question is very hard to answer. A settlement estimate is hard to give with so little ... | |
| Lost of usage | 10/10/2008 |
| Q: I want to know if I can claim lost of usage if I rent a car from a friend instead of a car rental ... A: If you can show that 1. you needed the vehicle 2. and that was an actual payment made to your ... | |
| Stolen Truck | 10/9/2008 |
| Q: My Trail Blazer was stolen on 9-28-08 and it was recovered on 10-4-08. Great!!! I filed a home ... A: I am very sorry to hear about your stolen truck. It must be awful. The insurance company has a duty ... | |
| the claim for damages could exceed the limits of liability under my policy | 10/8/2008 |
| Q: I was involved in car accident at the end of September. My car was totally damaged(2005 car, worth ... A: Well, you have two issues here: 1. Whether or not the coverage you had was adequate? Your property ... | |
| check from insurance | 10/7/2008 |
| Q: but the owner was and i filed with my insurance and theirs. my insurance fixed the car and the other ... A: Well, if the other insurance company paid you, you have to turn those funds into your insurance ... | |
| My car rear ended | 10/7/2008 |
| Q: I Was driving northbound on the 5. I saw a grey vehicle slam on their brakes, all kinds of smoke. i ... A: They will probably take your recorded statement and tell you what to do next. The will also take a ... | |
| 4 car crash | 10/7/2008 |
| Q: I was in a car crash in TN 4 cars were involved. in the line up it was truck, car, me, 18 wheeler. I ... A: You are in a very hard spot. Your insurance company paid as they believe you are 75% at fault. That ... | |
| Value Comparable | 10/6/2008 |
| Q: 10-06-2008 If I could not find a comparable for 1999- GMC Safari 7 passnger Van( Totalled in DWI ). ... A: You have to be able to determine the fair market value. You do that by looking at the classifieds ... | |
| learners permit | 10/5/2008 |
| Q: a good friend of mine just got her learners permit and while out practicing with her husband, she ... A: Well. This is a difficult question to answer because it is strictly up to what the insurance policy ... | |
| auto accident release of claims | 10/4/2008 |
| Q: Good day, I was in an accident that was my fault, not my car and the car was no longer insured. I ... A: Well, it depends on the exact language of the release of claims (any and/all claims or only injury ... | |
| avoiding a claim | 10/4/2008 |
| Q: If you are in an accident and a pedestrian is involved and there are only minor injuries but a ... A: Well, you can settle on your own, however, insurance companies already know that you hit a ... | |
| vehicle value | 10/3/2008 |
| Q: how does a insurance company determine the value of a car A: I assume you are looking for this because you are in the middle of a total loss situation. If that ... | |
| proof of lost wages | 10/3/2008 |
| Q: I was hit from behind at a stop light in January. I had to miss a total of 84 hours work (vacation ... A: That really stinks. Your employer should not give you this type of problems when you are seeking ... | |
| hit and run - stolen car | 10/2/2008 |
| Q: A few days ago I was involved in a hit and run. Both my car and the car that hit me were totaled. ... A: the person driving is responsible for your damages. The person causing the hit and run will have to ... | |
| How will the insurance pay if Car is totaled | 10/2/2008 |
| Q: I've bought my new car last Aug 25, 2008 an Infiniti EX 35 and I was hit by a truck last September ... A: I am not sure what the "lowjack" installation entails. If they had to put equipment in it, then the ... | |
| Minor at-fault accident | 10/1/2008 |
| Q: I own my car free and clear (2000 Nissan Altima). Yesterday, I rear-ended someone at a stop sign at ... A: Okay, I am sorry. In this situation, your claim is already reported. Your insurance company will ... | |
| Claim to State Farm | 10/1/2008 |
| Q: I bought a new car O miles and at the 4th day with just 200 miles a State Farm insured vehicle hit ... A: Well, given the fact that your car is so new, you have to accept nothing less but new parts. They ... | |
| Minor at-fault accident | 9/30/2008 |
| Q: I own my car free and clear (2000 Nissan Altima). Yesterday, I rear-ended someone at a stop sign at ... A: Well, it depends. Are they going to pay your damages and there is no way that you are at fault? If ... | |
| unauthorized driver wrecks car | 9/30/2008 |
| Q: Good morning, I live in ga and my daughter lent my car to a 32 yoa friend who had an accident. No ... A: The answer is it depends. Technically speaking the person driving is responsible, however, for ... | |
| How will the insurance pay if Car is totaled | 9/29/2008 |
| Q: I've bought my new car last Aug 25, 2008 an Infiniti EX 35 and I was hit by a truck last September ... A: The vehicle will be paid in actual cash value terms (fair market value), which will be close to what ... | |
| no insurange info was exchanged | 9/29/2008 |
| Q: My husband was in a minor accident on the PA Turnpike. He was at a toll both and hit the car in ... A: Well, no. You owe the money to the owner of the vehicle. You cased damages to the owner of the ... | |
| Third Party Carrier refusing to pay loss wages | 9/28/2008 |
| Q: I was involved in an accident where I was rear ended. There were three cars involved. THe at fault ... A: Unfortunately it is. Just about anyone can claim that they have a headache, took Advil, and felt ... | |
| Statute of Limitations | 9/27/2008 |
| Q: Last winter in VA, I was driving my 6 month old car in the snow and didn't stop fast enough to ... A: Well, it is hard to answer your question. The statute of limitation for Injury to Personal Property ... | |
| claim check | 9/23/2008 |
| Q: My husband backed into a pole- no pole damage, after going to the drive thru claims office, we ... A: No Joan, you can keep the money. It is your car and you can do as you please with it. That is the ... | |
| DUI in my car | 9/23/2008 |
| Q: In April of last, I merged over to the right lane, but I was under the influence. I was given a DUI. ... A: Well it depends. Most insurance companies will cover your damage if you have first party coverage ... | |
| Cut a check or repairs? | 9/21/2008 |
| Q: Is there a law that now states you must get repairs in NY, or can the insurance company cut you a ... A: There are no laws that say you must get repairs. However, there are limitations depending on who you ... | |
| Insurance Settlement | 9/21/2008 |
| Q: I was rear ended 3/5/08 by a van owned by a business. The driver is the owner of the business. Ins. ... A: It is very difficult to give you a number in any Insurance Settlement as I do not have all the ... | |
| Faulty Injury Claim | 9/21/2008 |
| Q: On July i accidentally hit a car in moving traffic because the driver of the other vehicles put the ... A: Getting your insurance company involved with this is the first step (which you have done). They will ... | |
| using 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: You should get a quote right now (while the claim is pending or before you file). Visit: ... | |
| Withdrawal Claim | 8/30/2008 |
| Q: Well I was backing out of the parking lot and immediately stepped on the breaks when i felt my car ... A: They can try to withdraw the claim and see if they themselves want to fix their vehicle. This can be ... | |
| 16 year old driver | 8/29/2008 |
| Q: Do I have to list my 16 year old on my insurance policy? Would he be covered if he had an accident ... A: I am sorry for the delay. Yeah, should have him listed on the policy? Will he be covered? It really ... | |
| Lien holder responsibilities | 8/28/2008 |
| Q: My husband bought my step daughter a truck. The truck is registered in her name only with my husband ... A: If you husband is not listed as an “owner” or registered “owner” anywhere, there is no liability ... | |
| regarding rental insurance claims | 8/27/2008 |
| Q: i had rented out a car and yesterday i felt sick and i asked my friend to drop me and he dropped me ... A: Well, It is very hard for me to give you a definite answer without looking at the agreement that ... | |
| med pay | 8/27/2008 |
| Q: I was a passenger in an auto accident-- not my car--not our fault (sister driving). If the med pay ... A: They could. They are not supposed to (you are not at fault) but insurance companies will use this ... | |
| Right of way v. speeding | 8/25/2008 |
| Q: I was in a parking lot that has a residential alley that runs through it. Before making a right turn ... A: Probably yes. His statements will hurt his case significantly I believe. However, as you know, ... | |
| Recovery of deductible | 8/23/2008 |
| Q: My 18 year old daughter let a 18 year old friend use her car, the friend promptly drove it into a ... A: That is about your only venue. Your insurance company covers her as “an insured,” so they already ... | |
| Personal Injury Claim | 8/23/2008 |
| Q: Say a person is involved in a auto accident. Calling this person bob. The other person is at fault ... A: I am sorry to hear that Bob (your dad) was in such an accident. You are asking me about pain and ... | |
| AUTO/PEDESTRIAN ACCIDENTS IN UTAH | 8/22/2008 |
| Q: Utah is a no-fault state, so if a pedestrian is hit by a car, whose insurance is billed, the ... A: You don't have to meet these criteria if you are injured by an uninsured motorist or by someone with ... | |
| AUTO/PEDESTRIAN ACCIDENTS IN UTAH | 8/22/2008 |
| Q: Utah is a no-fault state, so if a pedestrian is hit by a car, whose insurance is billed, the ... A: Utah is no fault depending on the amount of damages. You (the driver) does not owe pain and ... | |
| read end car accident | 8/21/2008 |
| Q: This is regarding an Incident At 7 Am morning while my friends was on his way to office an old car ... A: It depends. Sounds like this was a parking lot accident? The person was backing? If this person was ... | |
| Claim | 8/20/2008 |
| Q: Our pickup and cabover camper were totaled; it was the other party's fault. Our insurer was good ... A: There is no compensation for inconvenience. It is interesting they are covering the camper but ... | |
| 4 car accident | 8/20/2008 |
| Q: I was in a low-speed 4 car accident in New Hampshire. Here's how the police report reads: Vehicle 4 ... A: It is unlikely that you have a “claim” against 1 or 2, however, nothing stops you from arguing it. ... | |
| Uninsured Car Collision | 8/19/2008 |
| Q: Two days back an Uninsured car had come and hit my Car on rear bumper. Its broken in the middle and ... A: Contact your insurance company. Remember that you have a duty to report losses ... | |
| Recovering lost wages from non-injury accident?? | 8/19/2008 |
| Q: I was in SLOW traffic (2mph) and a bus hit me from the rear, as it turned into my lane. The rear of ... A: I am sorry to hear you are in this situation. It is very unlikely that you prevail in any of your ... | |
| Unisured Motorist Coverage | 8/19/2008 |
| Q: I was wondering if having uninsured motorist coverage automatically covers all expenses or are ... A: most insurance policies have uninsured/underinsured property damage coverage. Usually the deductible ... | |
| car accident i was in now im being sued | 8/18/2008 |
| Q: i was in a car accident that was my fault almost a year ago. i received papers this morning stating ... A: I am sorry to hear about your situation. Relax, lawyers will sue in excess of policy limits to force ... | |
| animal caused damage to car | 8/18/2008 |
| Q: My friend was driving home from work last night on a public road but remote from city traffic. She ... A: Well yeah, she will have to prove that she had a collision with an animal. There are other issues ... | |
| motorcycle collision claim | 8/17/2008 |
| Q: I have collision claim on my vintage motorcycle my insurance company says the bike is only worth ... A: You must be able to document the total loss by showing fair market value. Fair market value is on ... | |
| Attorney fees/medical nills | 8/17/2008 |
| Q: I was rearended by two cars on 2/19/08.My car was totaled,I had my two children in the car 7 and 3 ... A: You really have to look at both retainer agreements you signed. Make sure that what you signed is ... | |
| accident liablility and fault | 8/16/2008 |
| Q: My husband was in an accident, fender bender. He rear ended a vechile that stopped in the lane of ... A: Unfortunately, who ever pays from behind pays. That is the basic rule. There are ways around it, and ... | |
| minor fender bender | 8/15/2008 |
| Q: My daughter was involved in a minor fender bender. My insurance estimated the damage at around 1400. ... A: You can only get paid for what the insurance company estimates. If the second insurance company ... | |
| drunk driver hit my parked car. | 8/14/2008 |
| Q: I live in CA, I own my 1990 land rover that is in fantastic condition. My parked car, and a ... A: I am sorry to hear about your situation. You are in a difficult spot. You can force the hand of the ... | |
| Accident | 8/14/2008 |
| Q: I was in an accident, 100% other drivers fault. He rear ended me doing 45mph. His insurance, ... A: Steven Yeah, there are things you can do to protect your interest. I think you should this site ... | |
| Estimates prior to going to adjuster? | 8/14/2008 |
| Q: was hit in the side by a pick up exiting from a parking place in a parking lot. The other driver ... A: the insurance adjuster will pay you per their own estimate. They might consider some other ... | |
| DUI auto insurance claim | 8/13/2008 |
| Q: I am a 22 year old male from WI.i moved to CA and bought a car new in July 08. My car is titled in ... A: Well, you are in a difficult situation. Usually, alcohol puts a lot of fault on your shoulders. ... | |
| Claim record | 8/13/2008 |
| Q: Anne, I was applying for autoinsurance policy and due our claim record it went up to much. Checking ... A: Yes, claims records do not have a lot of detail. Fault or no fault, and serious and non serious. ... | |
| settling car accident letter | 8/12/2008 |
| Q: I just got into a car accident. someone reared me from behind. it is not a major damage, but the ... A: Well, You can simply draft a letter saying that for exchange and full consideration of X amount ... | |
| policy limit | 8/11/2008 |
| Q: I live in Oregon where I had a car accident on October 2006; I sent a demand letter asking for ... A: Wow… You really need to talk to a lawyer. I am not kidding you. Here is the issue: Insurance ... | |
| accindent | 8/10/2008 |
| Q: a fire dept truck hit me while turning but the cops gave me ticket for improper passing and failure ... A: I am sorry to hear you are in this situation. Dealing with emergency vehicles is very hard. Most ... | |
| Vehicle accident reports | 8/10/2008 |
| Q: I own a Honda Civic. 2 years ago, I had an accident in which another vehicle collided with my ... A: Your question is difficult. Legally speaking, you can be “misrepresenting” the vehicle if someone ... | |
| hit a pole | 8/8/2008 |
| Q: I was backing into a parking space at a train station today. I backed into a metal pole which I did ... A: I am sorry to hear about the mishap. Your insurance company will cover your damage as long as you ... | |
| pain and suffering | 8/7/2008 |
| Q: In short, my daughter was involved in an accident, not her fault, other driver was cited for Failure ... A: Well, it really depends on couple of things. What your state does on this circumstances. If you ... | |
| Insurable interests | 8/6/2008 |
| Q: If i paid for a vehicle under my brothers name and he paid me in cash monthly with a signed contract ... A: If i paid for a vehicle under my brothers name and he paid me in cash monthly with a signed contract ... | |
| brain injury settlement? | 8/5/2008 |
| Q: A woman attempted to cross 6 lanes tying to cut in front of me to turn left. I was clearly in ... A: I am truly to hear about your situation. You have a “crazy” claim/case in front of you. They owe you ... | |
| full cov. ins. on driver that was not suppose to drive | 8/5/2008 |
| Q: I have full coverage insurance on my Mustang, but my wife drove without, my permission, and totaled ... A: I am sorry to hear that. Well, you do have some arguments. “Permission” is an interesting legal ... | |
| Insurance Claim Denied | 8/4/2008 |
| Q: I was in the doctors office and my car was parked right in front. A car pulled next to mine and hit ... A: How is it fair? It is not. How do you proceed? Well, you are in a hard spot and it will take some ... | |
| auto insurance claim | 8/4/2008 |
| Q: I was hit by another driver. To me it seems pretty clear that fault lies with the other driver, I ... A: Nope. You need to argue this. You will be penalized on your rates one way or another. As you stated, ... | |
| do i have to fix my car? | 8/4/2008 |
| Q: I was involved in a minor accident and received a payment from the other person's insurance company. ... A: Probably no. The bank will want the money. They will apply it to your bank loan. Either you go this ... | |
| how do i get my money? | 8/2/2008 |
| Q: i had an accident like 4 years ago but after doing the therapy they said that they were going to ... A: You need to talk to a new attorney. Other attorneys can help you look up your case and see how much ... | |
| Rear ended, not at fault, denied claims | 8/2/2008 |
| Q: I was rear ended (the first car) when I was driving a rental car. Two other cars were involved in ... A: You need to contact your own insurance Company. You need to then file a claim against the claim of ... | |
| I was rear ended last night | 8/2/2008 |
| Q: I was rear ended last night by a drunk driver and the arresting officer must have written down the ... A: Well, there is no much you can do other than contact your own insurance company (the claims ... | |
| USAA, hit fathers car. | 8/1/2008 |
| Q: My parents are in town visiting my family, and my husband hit my fathers vehicle pulling out of the ... A: I am sorry to hear about the mishap. I do believe your father is incorrect. Your husband is liable ... | |
| I had the right of way and the other car did not stop on the stop sign | 7/31/2008 |
| Q: I live in New York and was in a car accident yesterday, Wednesday July 30, 2008 around 8:40 A.M. ... A: 1. Will I be fully covered by the other vehicle’s insurance considering he failed to stop at the ... | |
| No fault accident new car | 7/31/2008 |
| Q: My wife was in an accident for it was determined that she was not at fault. the other driver was ... A: The answer is yes, you are entitled to this type of compensation. It is difficult to make this claim ... | |
| Confused by Insurance Claim | 7/30/2008 |
| Q: I was the driver and was injured in a car accident and I don't know if I should retain a lawyer or ... A: I am sorry for the delay. You can handle your own claim as long as you are willing to learn and ... | |
| rear end collsion documented alar damage | 7/30/2008 |
| Q: I was rear ended on my way home from work in late April. I have been treating for neck and back ... A: I am sorry to hear about your accident. I simply cannot give you a number because there are variable ... | |
| stolen automobile/insurance | 7/30/2008 |
| Q: Any idea if after a car is stolen that the loan company should stop reporting till the insurance ... A: Unfortunately, it falls on your shoulders to make sure payments are made on the loan while the ... | |
| insurance claims | 7/29/2008 |
| Q: my husband had an insurance claim on his dump truck that was not related to a ticket but a non-fault ... A: I am very sorry to hear the situation. Two things you can do. You can go through an insurance broker ... | |
| 9 Months ago... What Do I Do. | 7/29/2008 |
| Q: I was involved in an accident In Oct. 2007. I had my girlfriends car and I was parked in front of my ... A: There are many issues here. As your family members have explained, it is very likely that you do ... | |
| praetorian insurance | 7/28/2008 |
| Q: I was recently involved in a hit and run accident. The police located the person and he was a ... A: Yeah, you can. The insurance company (praetorian) insured the vehicle. The old saying is: Insurance ... | |
| drunk driver hit & run | 7/28/2008 |
| Q: i was hit by a drunk driver who was 3X the state legal limit. the driver then fled the accident ... A: I am sorry for the delay. You want to include the full amount of your medical cost. You should also ... | |
| Who is to blame? | 7/26/2008 |
| Q: I was in a collision the other day with a vehicle at a gas station. My intention was to pull in at ... A: It is very hard to say on the facts above. The point of impact will be critical. Was it to the front ... | |
| Insurance company claim | 7/25/2008 |
| Q: My boyfriend and I were in a small auto collision in my car back in 1999. He was driving. The police ... A: I am sorry to hear about that. A statute of limitation applies to a claim that can be initiated in a ... | |
| auto accident while working for employer | 7/25/2008 |
| Q: My personal car was being used for my employer and got hit by a deer. My insurance does not cover ... A: Kevin, It really depends on all the arrangements that you have with your employer. Coverage like ... | |
| what are my rights in car insurance claim? | 7/25/2008 |
| Q: Recently a neighbor backed into my brand new parked car instead of his driveway. He gave me his ... A: You are 100% right, 100% on the money, I cannot agree more with you. However, you will be having ... | |
| Car accident | 7/23/2008 |
| Q: I was in a car accident and hit it them from behind. There car as really no damage. Just needs to ... A: It is difficult to say. Soft tissue injuries in car accident show more symptoms the day after, so it ... | |
| auto insurance claim denied | 7/23/2008 |
| Q: Driving I-84 in Connecticut, 5/18. in our Volvo station wagon, a Jeep cut me off and slowed in front ... A: If you have insurance (liability only), you must a claim with your own insurance company. Remember ... | |
| auto accident in parking lot | 7/23/2008 |
| Q: Who is at fault in Massacusetts when one driver in reversing out of a parking space and the other is ... A: The answer is: It depends on the facts. A fault and negligence analysis must be followed. All facts ... | |
| Parking lot accident | 7/22/2008 |
| Q: Recently I got a phone call from one of my son's coworkers parents. Advising me that my son tagged ... A: There is not a 50% rule for parking lot accident, at least not for fault in parking lots. There is ... | |
| auto insurance claim check | 7/22/2008 |
| Q: We received a check for the claim we sent in (our name only on the check). We are now having ... A: You can move your car as you please. If you are having difficulty getting your car fixed, you can ... | |
| Permissive use - Stolen Car - Rental Car - California | 7/22/2008 |
| Q: Hey guys, Great Forum.. I had a quick question. I have a car that was hit by an Enterprise Rental ... A: Well, this is a very hard one without all the facts (the policy that Enterprise has). Generally ... | |
| Is it likely for an adjuster to aim low | 7/21/2008 |
| Q: I have been in multiple accidents within the past year. I assume that the insurance companies begin ... A: It is very likely that State Farm knows of your past injury history and they are reducing your offer ... | |
| Follow Up Question | 7/21/2008 |
| Q: I was not able to ask this following up question to another individual. My car was hit by a dodge ... A: I am sorry to hear about your possible total loss. This type of claim can be very difficult to argue ... | |
| Auto insurance claim | 7/21/2008 |
| Q: My toy car, a 2000 Jaguar convertiable, and I were envolved in a collision Friday, July 18. Other ... A: Well, you have several issues on this question. To negotiate, argue, and dispute a total loss, ... | |
| Auto Insurance Claim | 7/20/2008 |
| Q: We live in Nevada, and have only Liability Insurance on our vehicle. My husband works at a gas ... A: It is very likely that you can file. It will come down to "is this a foreseeable risk of the job." I ... | |
| auto accident no report | 7/20/2008 |
| Q: A man made a hugely illegal uturn with 150 feet (from the far right) lane of a traffic light going ... A: I am sorry to hear about the accident. Well, not calling the police is a "bad" move. I do not mean ... | |
| auto accident injury | 7/19/2008 |
| Q: I was hit on the passenger door, I had a headache behind my eyes for about 3 days, when headache ... A: When you say fair price I am assuming you are looking for a fair settlement for your injury. It is ... | |
| 95% collision liability? | 7/18/2008 |
| Q: Earlier this month I was involved in a car accident whereby the other driver, coming from a side ... A: You are absolutely right. It is a scam. Liability off-sets or splits are appropriate when both ... | |
| Car hit a pole-no damage. | 7/18/2008 |
| Q: If one has an collision with pole today with no injury or damage to pole and no reporting to police, ... A: J C Well yeah, you are in an interesting situation. You can wait three to four months (which no one ... | |
| my van was stolen | 7/18/2008 |
| Q: imy van got stolen and it has been at the shop for 2 weeks well today they find out that the motor ... A: I am very sorry about this situation. Unfortunately the answer is no! They do not have to pay you ... | |
| Auto Insurance | 7/7/2008 |
| Q: I have 6 speeding tickets and I'm trying to get insurance coverage. A: First see if they have been reported to the insurance companies. The best way to do this is by ... | |
| car insurance cover | 6/25/2008 |
| Q: I moved out of my parents address 2 years ago but have not informed my insurance company.Will i ... A: I moved out of my parents address 2 years ago but have not informed my insurance company.Will i ... | |
| Irritating insurance interaction | 6/25/2008 |
| Q: I live in NC and was recently hit by a driver from AZ. The accident was relatively minor. The other ... A: I have never seen this either. They pay the reasonable estimate and usually the dispute is over how ... | |
| My Insurance won't call me back | 6/24/2008 |
| Q: I reported a claim to my insurance company and they will not call me back. I only have liability ... A: You need to get your insurance company involved. If the other persons is not admitting fault to the ... | |
| wife backed into my truck | 6/24/2008 |
| Q: my wife backed into my truck.her car is fully coverd with her policy however the car is legally ... A: Boy Mike, There is a strong possibility that you guys are not covered, simply because of the ... | |
| Diminished value claim for vehicle in Los angeles, CA? | 6/23/2008 |
| Q: "My parked car (2008 Toyota Rav4 base model 2wd with after-market sunroof and roof rack, 4200 ... A: It depends... If the damage was fixed by a bodyshop (a bigger one), they report this to Carfax ... | |
| insurance claim / not repairing | 6/22/2008 |
| Q: I had a minor accident couple days ago and filed a claim om my insurance. (The car is on my name and ... A: If you are going with the estimate that they gave you (their repair shop), and you own the car (the ... | |
| uninsured driver | 6/21/2008 |
| Q: If a passenger in a vehicle that is insured, and the driver is not a listed driver on the policy ... A: Most likely yes. If the policy does not exclude the driver (specifically) and the driver has ... | |
| Please help!!!! | 6/20/2008 |
| Q: My husband got rearend by a truck. The truck driver beg my husband not to call the police because he ... A: Well, He must be excluded (specifically excluded from the policy). He is not, and he had permission ... | |
| Diminished value claim for vehicle in Los angeles, CA? | 6/20/2008 |
| Q: "My parked car (2008 Toyota Rav4 base model 2wd with after-market sunroof and roof rack, 4200 ... A: Diminished value claim are allowed (this would be a third party claim against their insurance ... | |
| Driving someone elses vehicle | 6/19/2008 |
| Q: My Daughter was asked by her freind to drive home from a lunch in her car, which she agreed to do. ... A: This is a very difficult situation. You have a friendship, possibly other parents, and the ... | |
| Claim Settlement !! | 6/19/2008 |
| Q: I was rear-ended a year ago by a company truck. The police came and gave the other driver the ticket ... A: WOW. Very wrong. Very unethical adjuster. Be aware... Although the statute of limitation might be 6 ... | |
| Insurance Claim/Selling Vehicle | 6/18/2008 |
| Q: My wife had a minor one car accident with her vehicle that she intended to trade in on a new ... A: It depends. If your car is paid for (no bank or lien holder or anything) then you can settle your ... | |
| valet accident | 6/17/2008 |
| Q: I'm a valet attendant. Recently i had an car accident with a public car, i was told to pay $500 as ... A: Yes and No. Let me explain… If you were working and doing a job related task (i.e. Parking a car), ... | |
| auto insurance | 6/17/2008 |
| Q: A lady rearended my wife at a red light. She gave my wife a paper with her policy number on it and ... A: I would try first the office of the insurance commissioner or department of insurance (depending on ... | |
| Re: Car Accident | 6/16/2008 |
| Q: Am I "at fault"? This happened last week. I was driving wel below speed limit when it was raining ... A: Well Samy, It depends. Why was this plank on the road, or better yet how long? If this plank just ... | |
| Let Friend Drive Truck | 6/15/2008 |
| Q: a few months back I let a friend that needed a truck have mine for a few hours, my friend got in a ... A: It is difficult to give you a 100% for sure answer to this without looking at the specific policies. ... | |
| caraccident | 6/15/2008 |
| Q: hi Anne i was involved in a car accident on 30/5/08 when i was driving around a busy one way system ... A: It is unfortunate that things like this happens. You have to get your insurance company involved ... | |
| car theft insurance offered ridiciouls amount | 6/14/2008 |
| Q: and the car was almost new condition well the insurance company said they will send her a ... A: There is no question that you need to prepare yourself (or her) to a big debate. Insurance companies ... | |
| Car Damaged by Valet | 6/13/2008 |
| Q: I had my car parked for 8 days at a valet airport parking lot. When I dropped it off, there was no ... A: Your options are all correct. You can choose one of them and fight that. You can find more ... | |
| I rear-ended someone - I was in a rental | 6/13/2008 |
| Q: I was driving a rental car and rear-ended someone. I believe the rental company provided insurance ... A: Jadmva, Usually insurance follows the car. In your case, it is possible that the insurance company ... | |
| car insurance booted me off coverage | 6/12/2008 |
| Q: I'm a 20 year old full time university student. In the past 4 months i was involved in two car ... A: Well, you must try to fight your accidents if you can. In both situations you would be at fault per ... | |
| AUTO ACCIDENT | 6/11/2008 |
| Q: I WAS IN AN ACCIDENT THIS PAST WEEKEND. THE FULLSIZE TRUCK IN FRONT OF ME HAD HIS "LEFT" BLINKER ON ... A: Someone states only allow 1 day of rental (i.e. Texas) some allow up to three (i.e. Washington). ... | |
| Accident case brought to Small Claims and still asking to sign a waiver | 6/11/2008 |
| Q: I got into an accident about 6 months ago, the resulting 4 car accident ended up with no one taking ... A: Good job on taking matters on your own hands. Sometimes this is the best and only solution, ... | |
| Policy Limit Disclsure | 6/11/2008 |
| Q: The girl who was hit is now filing a claim and her insurance company wants to know what my girl ... A: I would not disclose this information. This information only becomes pertinent when there is a ... | |
| car accident | 6/10/2008 |
| Q: i was making a let hand turn into a school drive way with my blinker on when i was rear ended ... A: Well, I am concern as to the reason why the insurance company does not want to pay. If they are just ... | |
| Son in accident of no fault other party want to settle out of court. | 6/10/2008 |
| Q: My son has a car in my name in another state for college. A lady crossed three lanes and hit him and ... A: Well, You have to be clear about what you will sue her for in case things don't go your way. Any ... | |
| Accident Medical Bills | 6/6/2008 |
| Q: "I was a passenger in a car accident. The other party is 100% liable. I retained an attorney for ... A: The answer is no. Your medical bills get paid first, and your lawyer will take a percentage of the ... | |
| stolen motorcycle | 6/6/2008 |
| Q: My motorcycle was stolen this morning, when I discovered the incident I called my insurance company ... A: Why there is no insurance? You did not have the coverage? Is it a premium problem? It sounds like ... | |
| auto vs bicycle | 6/6/2008 |
| Q: my wife was just starting to turn left on the green turn arrow when a bicyclist speeding across 3 ... A: Your intuition is correct (there could be coverage there), however you have to look at that policy ... | |
| car accident. | 6/4/2008 |
| Q: My husband had a little accident almost two years ago. He was traveling a safe speed on a very ... A: Well, I am not sure if you husband will be at fault or not for this accident. Did you husband hit ... | |
| insurance coverage for child of divorce | 6/4/2008 |
| Q: My ex-wife and I have different insurance policies with different companies. Our son will be 16 in ... A: well this is a different scenario. The divorce decree is the binding document, so you would have to ... | |
| insurance coverage... | 6/4/2008 |
| Q: my husband was involved in an automobile accident. the car that he was driving was purchased from ... A: Well, you have 2 questions here: 1. About the rental: Sounds like the car is a total loss. If the ... | |
| No Insurance | 6/3/2008 |
| Q: I let my mom drive my car which has insurance under my name, but the problem was she does not have a ... A: The insurance company will cover your car if you had Collision coverage (if your mother was not ... | |
| Going after at-fault insurance for lease payments | 6/3/2008 |
| Q: Back in april of this year, my 6-month old 2007 Infinti M45 was hit. Fault was established to the ... A: I am sorry for the delay. You are entitled to the loss of use of the vehicle. Usually, insurance ... | |
| Parking Lot Accident | 6/2/2008 |
| Q: So I am in the parking lot of ready to back out of my stall. There's an SUV that had its signal on ... A: The answer is depends! You are correct, in a parking lot accident, usually the vehicle backing has ... | |
| auto accident | 6/1/2008 |
| Q: My son was backed into by a friend of his in a parking lot at a park. No police were called because ... A: Well, you are in a hard position. You probably do want to file a claim with your own insurance ... | |
| Fibromyalgia From Auto Crash | 5/31/2008 |
| Q: I am recently suffering from Fibromyalgia due to a Auto accident and Was wondering what kind of ... A: This is a very hard questions. It is very difficult to tell you anything about settlement without ... | |
| Worried | 5/31/2008 |
| Q: MY mom was in a traffic accident a few days ago(her fault), the other driver was taken to the ... A: The insurance company owes your mom a duty to defend and to protect her interest. They also must ... | |
| Is the insurance required to disclose how to determine the DV? | 5/30/2008 |
| Q: After I demanded the diminished value, my insurance threw out a little more than $100 without ... A: No. What I mean is that they have to show how they are coming to that value. Reasonable means "open ... | |
| general | 5/30/2008 |
| Q: my car was scratched by the landlord. at the beginning,we agreed to deal with this privately. so i ... A: You can call her insurance. The policy was active at the time and so they would have to investigate ... | |
| stolen truck | 5/29/2008 |
| Q: i sold my truck on 02/17/08 i took a cashiers check from guy on 2/21/08 i got a letter from my bank ... A: Well, if the damages and the miles do not add up to "total loss", then you probably have to take it ... | |
| Is the insurance required to disclose how to determine the DV? | 5/29/2008 |
| Q: After I demanded the diminished value, my insurance threw out a little more than $100 without ... A: They are not required per Georgia regulation, but they must be reasonable. $100 is not being ... | |
| taxes on claims | 5/28/2008 |
| Q: If we are awarded a certain amount due to injuries received in an auto accident, do we have to pay ... A: This is a very good question. The answer is depends. There are different types of damages. See: ... | |
| diminish value of car | 5/28/2008 |
| Q: I have a 2006 maxima sedan ls bought it brand new and fully loaded, it has 10,000 miles on it. It is ... A: Usually a collision is chargeable to a driver. If you try to avoid an accident with an animal, but ... | |
| hit and run | 5/28/2008 |
| Q: A young adult pulled out in front of my dad. He tried to avoid the car but didnt have time. He hit ... A: Well, this alibi could bring you trouble. Insurance follows the car, and therefore, the vehicle ... | |
| 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: Well ... Before you make any payments you need to talk to a lawyer real quick! I am not sure if you ... | |
| diminish value of car | 5/25/2008 |
| Q: I have a 2006 maxima sedan ls bought it brand new and fully loaded, it has 10,000 miles on it. It is ... A: Well, probably not. Sometimes when you have a loan you have the option of purchasing Gap insurance, ... | |
| Premium question on State Farm Auto Policy | 5/24/2008 |
| Q: I had an accident yesterday that was my fault; nobody was hurt. My car and the other are at ... A: Usually when insurance carriers look at claims to asses premium, they look at the entire accident. ... | |
| laps in coverage | 5/24/2008 |
| Q: I have been in accident (my fault)and reported it to my insurance company. The claim was accepted ... A: I hope you are enjoying your weekend. I am sorry for the delay. I was doing some digging around on ... | |
| fender bender | 5/23/2008 |
| Q: i had a small accident where i rearended a lady. we were at a stop light, and i was going less then ... A: In most states you have up to 2 years to file something like this. 2 months is not much of an issue. ... | |
| accident with cop. | 5/22/2008 |
| Q: 05/20/08 i got my 2008 Honda accord. first day with it and by the end of the night i was making a ... A: Man, Well, you are in a difficult spot. Believe or not, cops get a lot of preferential treatment ... | |
| Accident with no insurance driver.. | 5/21/2008 |
| Q: I have a little bit of a complex, well, complex for me, question. My husband was recently involved ... A: I am sorry to hear you and your husband are in this situation. There are so many people driving ... | |
| Totaled car | 5/21/2008 |
| Q: My car was hit in the rear. The other driver was clearly at fault as acknowledged by the police and ... A: another totaled car that the insurance does not want to pay. This is very sad. Well, Can they do ... | |
| Automobile Parking lot accident | 5/20/2008 |
| Q: I want to know who would be considered at fault for this situation or what the laws are for this ... A: Parking lot accidents are very difficult. Usually both drivers share responsibility. Washington is a ... | |
| Accident | 5/19/2008 |
| Q: I was in an accident 5-4-05 and had no insurance and just got served papers for damages to fix the ... A: 05-4-05. Ha. well I am not sure in what state you are in, but it seems to me that you have a big ... | |
| Auto Insurance Claim | 5/19/2008 |
| Q: Can you walk me through the process for an auto insurance claim. I have a received an offer that is ... A: I am sorry to hear about your accident. There are several steps you should follow and do before ... | |
| Insurance/Asset Declaration | 5/19/2008 |
| Q: I was involved in a minor bumper to bumper rear end accident. I was the driver to accidentally ... A: You really need to talk to an attorney in your state. Your insurance company must defend you and ... | |
| ins question | 5/18/2008 |
| Q: I RECENTLY HIT A TREE TRYING TO AVOID HITTING A family of WILD pigs CROSSING THE ROAD . I HAVE FULL ... A: If you have full coverage, this usually means that you carry Comprehensive and Collision coverage. ... | |
| Car insurance rates for an accident I was not cited for | 5/18/2008 |
| Q: I got in an accident in October of 2006 when I backed out of a driveway at the same time as a woman ... A: Well, $300 is a lot of money, so you may want to see what you can do to lower that amount. However, ... | |
| Gap between two insurance companies | 5/17/2008 |
| Q: When changing the insurance company, there is one week gap between the new and current policy. I ... A: Some states (I am not sure if yours does) have systems that show who is insured when. They are ... | |
| Had my 1st accident recently in GA | 5/16/2008 |
| Q: I was rear ended by young driver Mon. been outta work all week expect 2 be OK. Got police report ... A: Car accidents can become a legal battle. The best thing you can do (and really the only thing that ... | |
| 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: Well, you are asking a hard question given the fact that I do not have your medical records or the ... | |
| Gap between two insurance companies | 5/16/2008 |
| Q: When changing the insurance company, there is one week gap between the new and current policy. I ... A: No, the gap will not affect your premium (Assuming no accident and claim during the gap and first ... | |
| Setteling an Insurance Claim at the policy limit | 5/16/2008 |
| Q: I was struck by a Drunk Driver while driving home from work on the free-way. The driver was in a ... A: I am sorry to hear this. There are soo many Drunk driving with people driving with suspended ... | |
| Gap between two insurance companies | 5/16/2008 |
| Q: When changing the insurance company, there is one week gap between the new and current policy. I ... A: There should be no gap between the two insurance policies effective dates. If this is the case, you ... | |
| Being Charged Too Much 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: You have an interesting situation. She is not obligated to take your payment, but if she takes you ... | |
| can I be sued? | 3/28/2008 |
| Q: My daughter is separated, has lived me for over a year, and is on my insurance policy. If her ... A: It depends. The husband is not living with you, so he is not a resident or an insured under your ... | |
| Being sued becasue my insurance didn't pay claim. | 3/27/2008 |
| Q: I got into an accident last May and it was my fault. When I filed the claim with the insurance co. ... A: Yes, this is what you pay insurance for. Submit all the documents to your insurance company as soon ... | |
| non permissive use claim | 3/26/2008 |
| Q: I was hit by a driver who ran a red light at a high rate of speed, who then flipped the vehicle he ... A: You hit the nail in the head. The issue is going to be "consent" actually implied consent. Again, ... | |
| hit in my driveway | 3/25/2008 |
| Q: backing up in my driveway a truck pulled in hit my rear end they say they were parked i say they hit ... A: Usually the vehicle backing has a greater duty. However, if they came 20 feet into your driveway, ... | |
| car wreck, other driver's fault | 3/25/2008 |
| Q: My husband & I were in a minor car wreck at our local mall on February 23, 2008. The other driver ... A: I can't agree more with you. When you are in a car accident (and you are the victim), it seems that ... | |
| car wreck, other driver's fault | 3/25/2008 |
| Q: My husband & I were in a minor car wreck at our local mall on February 23, 2008. The other driver ... A: I am sorry to hear you are in this situation. Be aware of what is happening here. The insurance ... | |
| insurance dragging 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 ... A: You need an attorney. The insurance company wants your statement under oath (which you have to do ... | |
| Totaling a vehicle | 3/24/2008 |
| Q: I was in a car accident, not my fault, police report obtained, happened 2 weeks ago, the other girls ... A: Totaling a vehicle can be a major pain. Some insurance companies will not do it unless the value to ... | |
| Loss wages | 3/24/2008 |
| Q: Is my lawyer entitled to a percentage of my loss wages? I I receive a check from my insurance ... A: Donna, Hi It depends on the fee agreement with your lawyer. If you both agree that he would collect ... | |
| Difficulty in filing claim | 3/24/2008 |
| Q: I purchased a vehicle from an auction. I lost the title before i could get it registered in my name, ... A: Boy Derrick, this one is a hard one to get covered. Fire claims are always seen as "suspicious." ... | |
| Least expensive route with the ins. co. | 3/24/2008 |
| Q: Being the defendant in a minor fender bender, whos vehicle was neither insured or registered.(Was ... A: Yes you could. You can talk to the insurance company and try to arrange payments and ask to review ... | |
| non permissive use claim | 3/24/2008 |
| Q: I was hit by a driver who ran a red light at a high rate of speed, who then flipped the vehicle he ... A: Well, an investigation must be done regarding the permissive user situation. Usually an statement ... | |
| withdrawing a claim | 3/23/2008 |
| Q: following up on my previous question, it sounds as if the SI is going to deny my claim and i don't ... A: Every insurance company have different steps for withdrawing a claim. Every state has different ... | |
| Car Theft settlement | 3/23/2008 |
| Q: My car was stolen from the parking lot in the mall. Assuming that they don't find my car or the car ... A: If the vehicle is not found, then the time frame you have to wait is usually in your policy. Some ... | |
| medical records | 3/22/2008 |
| Q: I was injured in a car accident at the fault of the other driver. Soft tissue damage in my neck. The ... A: The insurance company owes you to put you back in the position you were prior the accident. If they ... | |
| Uninsured, DUI, Head On Collision | 3/22/2008 |
| Q: My wife, son, and I were involved in a serious head on accident about 5 month ago. The driver was ... A: WOW -- yeah you need a lawyer. I will answer your questions to clear up a process, but please, do ... | |
| I was in a car accident in a leased car, what are my options? | 3/21/2008 |
| Q: I was in an accident in a leased car and the car was damaged and the collision shop picked it up. I ... A: Well, you can call the insurance company of the person that hit you and see if they would pay you ... | |
| withdrawing an insurance claim | 3/20/2008 |
| Q: my car was stolen a month ago and found in another state. i was out of town at the time with my gf ... A: The Special Investigation Unit (SIU) is also known as the fraud unit. The insurance company is ... | |
| accident liability | 3/20/2008 |
| Q: i was involved in a accident where i had the green light going straight,a car pulled out in front of ... A: Yes you can simply go through the other persons carrier. However, they can make you wait until their ... | |
| I was in a car accident in a leased car, what are my options? | 3/20/2008 |
| Q: I was in an accident in a leased car and the car was damaged and the collision shop picked it up. I ... A: What the body shop is telling you is not completely true. I would watch out for any mechanical shop ... | |
| car insurance on parents | 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: Yeah you can do this as long as you live in the household and your parents are ok with that. Make ... | |
| Accident Claim | 3/18/2008 |
| Q: I was recently rear ended and my car rolled ending in a total loss of my car. The girl who hit me ... A: Should they pay for the hassle? Yeah they should, but this is only my opinion. Do they legally owe ... | |
| auto 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: Let me answer your questions one by one. Should I be concerned about filing a claim and having a ... | |
| insurance | 3/17/2008 |
| Q: My car was vandalized and I'm concerned about my insurance going up. Is this a fact that it I will ... A: You are asking a tricky question. We have written articles about the subject here: ... | |
| lawsuit | 3/17/2008 |
| Q: I was in a car accident in 10/06. I was rear ended. The person that rear ended me took ... A: I am sorry to hear your situation. The good thing is that you are represented by an attorney. Looks ... | |
| Denial Letter from auto insurance company | 3/11/2008 |
| Q: I made a u-turn (Riverside, CA) after seeing no cars coming from the opposite direction. After I had ... A: I am sorry to hear this, I hope my answer below can guide you on the process. The police evidence ... | |
| Buying | 3/10/2008 |
| Q: Can two unmarried people buy a joint auto insurance policy? A: Yes, they can. Some insurance companies will look very close at things like (living together) and or ... | |
| Accidente con auto rentado | 3/10/2008 |
| Q: Buenas tardes. Tuve un accidente con un auto rentado y la empresa cubrio con los gastos. Sin ... A: Bueno, es un problema mas con la compania que renta el vehiculo. Si las llaves estan extraviadas por ... | |
| "Rental coverage" necessary? | 3/8/2008 |
| Q: I'm reviewing my auto insurance and trying to cut off some unnecessary premiums. I've already ... A: You are asking for my opinion, so here is what I think only based in what you told me (without ... | |
| Insurance Negotiations Process (what now) | 3/7/2008 |
| Q: I was in a car accident Oct 25th 2006 (so the statute of limitations is quickly approaching). ... A: As you know, you are always encourage to talk to a lawyer and advise you of your case. Most cases ... | |
| Medical expenses for bodily injury | 3/6/2008 |
| Q: Driver A is hit by Drvier B and goes to the ER for treatment, filing on his own health insurance. In ... A: you would have to ask for all damages. If you health insurance paid, they would have to be ... | |
| Actual cash value vs. market value | 3/5/2008 |
| Q: 1) Is the actual cash value same as the market value of a totaled vehicle? If no, what’s the ... A: There is a difference. You do not have to list them separate. Should you? Yes, you should. You ... | |
| Car accident-ambulance bill arrived late | 3/5/2008 |
| Q: We live in Austin, TX. My son, who is on my auto policy, had a no-fault accident in December in ... A: Sorry to hear this. Yeah 3 months is a long time, but probably not enough to argue that the ... | |
| Auto Accident | 3/5/2008 |
| Q: My friend was in an accident a few months ago. She wasn't the owner of the car, but she was insured ... A: Wow James, this sounds very bad. Well, She can contact the office of the insurance commissioner ... | |
| Actual cash value vs. market value | 3/4/2008 |
| Q: 1) Is the actual cash value same as the market value of a totaled vehicle? If no, what’s the ... A: you are correct, you are entitled to Special damages (medical bills, wages, medicine, etc) which are ... | |
| parking lot question | 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: Parking lots accidents are difficult because every driver has duties and its hard to asses who has a ... | |
| Lost Arbitration, Now What??? | 3/4/2008 |
| Q: My wife got into a car accident in the City of Shenandoah, TX. The accident occurred on an access ... A: This is perhaps one of the most difficult areas of insurance. The insurance company is bound by the ... | |
| blown out tire | 3/3/2008 |
| Q: I was on the freeway when the vehicle that was in front of me had a blown out tire. A piece of the ... A: Probably yes. There are somethings you have to prove. This person has a duty to keep their vehicle ... | |
| Actual cash value vs. market value | 3/3/2008 |
| Q: 1) Is the actual cash value same as the market value of a totaled vehicle? If no, what’s the ... A: 1.) They are the same thing. Actual Cash Value is the current fair market price of your vehicle. ... | |
| Auto insurance | 3/2/2008 |
| Q: Bought a new truck from a dealer, I'm first owner. Insurance company uses the VIN to determine ... A: Well, I am 99% sure the statement "would that mean that no matter what, the insurance would pay ... | |
| Auto insurance | 3/1/2008 |
| Q: Bought a new truck from a dealer, I'm first owner. Insurance company uses the VIN to determine ... A: You are 100% correct. In fact, more people should be asking the question. You are insuring a ... | |
| hit and run | 3/1/2008 |
| Q: I was in an accident a few weeks ago, my car fish tailed and apparently hit something. I did not ... A: Hey may, Sorry to hear this. Sounds like you are probably 100% covered. You called the insurance ... | |
| my auto claim | 2/29/2008 |
| Q: my car was used by someone without my permission or knowledge, and totalled it. I had left it parked ... A: You know, I am not sure about which rule Mass. Follows. I looked around and I was not able to get ... | |
| Accident Claims-pain and suffering | 2/28/2008 |
| Q: i was involved in a "T-bone" style accident where the driver ran a stop sign and hit me. I ran over ... A: Well I am sorry to hear your situation. In most injury cases you are entitled to all your documented ... | |
| 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: Well, insurance companies try to settle for what they believe the value of your is in your local ... | |
| my auto claim | 2/28/2008 |
| Q: my car was used by someone without my permission or knowledge, and totalled it. I had left it parked ... A: You are in a difficult position. Most auto insurance companies exclude all coverage for non ... | |
| my husband | 2/27/2008 |
| Q: My husband was involved in a car accident. Someone hit him from behind. There was a total of 4200.00 ... A: This is an unfair situation, there is no question about it. When you are arguing with your own ... | |
| DUI Accident | 2/26/2008 |
| Q: Anne, My vehicle was recently hit by a drunk driver while it was parked in front of my house and ... A: Something does not add up here. If you have Uninsured Motorist property Damage and bodily injury, ... | |
| Rental Vehicles in California | 2/26/2008 |
| Q: What is the law in California regarding rental car companies? Is the rental vehicle company ... A: Is there a law in California that requires the rental company to be primary? Probably no. When ... | |
| Insurance company being notified | 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: Kristin, You are strongly encourage to talk to an attorney. This situation could leave you out of ... | |
| Insurance won't pay for towed motorcycle | 2/25/2008 |
| Q: I was involved in an accident where In had full coverage and was deemed negligent. I was driving a ... A: I am sorry to hear about this. I am a little confused as of the question. They are not paying for ... | |
| How do i prove who was at fault in 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: Well, as you can probably tell the fact that you had a subsequent accident, with damages to the same ... | |
| trailer tractor part in road damaged my pickup | 2/25/2008 |
| Q: A drive shaft from a tractor trailer was on the turnpike did $3000 in damages-Their insurance co ... A: It would appear that the insurance company is not denying your claim but they are denying coverage. ... | |
| trailer tractor part in road damaged my pickup | 2/24/2008 |
| Q: A drive shaft from a tractor trailer was on the turnpike did $3000 in damages-Their insurance co ... A: Well, in a no fault state there is still "fault" for certain circumstances. In some states, property ... | |
| Auto insurance coverage | 2/24/2008 |
| Q: My brother form Poland is visiting for three months He would like to use my car, will he be covered ... A: Most likely yes. Your auto insurance policy probably has the omnibus clause in it. This clause ... | |
| Auto Accident Repairs | 2/24/2008 |
| Q: After being involved in an auto accident (which was not my fault) the insurance company of the ... A: This is where it gets complicated. Insurance companies want to fix your car the cheapest way ... | |
| Car repairs | 2/23/2008 |
| Q: Farmers Insurance Company insured damaged my car and is liable. The left front hood of a Volvo 850 ... A: I understand your situation. You were not asked to be put in that position. Now, they want to fix ... | |
| Auto Insurance Claim | 2/23/2008 |
| Q: I was involved in an accident the first week of Feb 08. And received injuries. I was not at fault. ... A: Your UMPD coverage should cover your rental expenses above and beyond the 20.00 limit. Do ask to see ... | |
| claim | 2/23/2008 |
| Q: i was involved in a mva on yesterday. i was travel east bound when someone pulled out in front ... A: I am sorry to hear about your accident. I hope you are feeling better this weekend. Let me address ... | |
| Auto Insurance Claim | 2/22/2008 |
| Q: I was involved in an accident the first week of Feb 08. And received injuries. I was not at fault. ... A: I am sorry to hear about your arm and and your accident. You have different issues so I will try ... | |
| backed up onto my brothers car | 2/22/2008 |
| Q: This morning I backed up into my brothers car on our driveway. Damage on his car looks way over his ... A: Well, some insurance policies waive deductibles if you have a dual claim (one accident, same ... | |
| Passanger in Auto Accident - Settlement | 2/21/2008 |
| Q: My son was in a auto accident as a passenger. The driver was driving on a provisional license. ... A: It is very hard to give you a straight answer as far as value goes. There are many variables that ... | |
| no license not at fault | 2/21/2008 |
| Q: Person1 is driving Person2's car. "P1" has no license. Person3 rear ends "P1". "P3" has full ... A: Is P3 responsible, most likely yes. P3 hit P1 from behind and this usually pins fault on P3. The ... | |
| Georgia Uninsured Claim | 2/21/2008 |
| Q: I was involved in an no fault auto accident 4/6/07. The other driver's insurance company has agreed ... A: I don't have enough information to give you an answer. Who's letter are we talking about. Is this ... | |
| medical settlement | 2/20/2008 |
| Q: I was in an accident november 07, at other driver fault.Vehicle damages almost 9000.00 to repair. my ... A: James, Well, this is very hard to determine. There are soo many variables that come into play that ... | |
| this is regarding a rear end accident that was 100% not my fault! | 2/20/2008 |
| Q: so i was involved in a accident where i was rear ended at a intersection because a guy had his dog ... A: Chris Relax, On the facts that you gave me, it would appear that you are not at fault. You did not ... | |
| accident | 2/19/2008 |
| Q: I was involved in a small accident. My car swerved to the side on a very bad snow day. I was going ... A: Yes, you can file a claim. You can explain the situation and the reason why you did not file as it ... | |
| car accident | 2/18/2008 |
| Q: I WAS RECENTLY INVOLVED IN AN ACCIDENT 1/18/08 THAT WAS NOT MY VEHICLE. A DRIVER MADE A LEFT TURN ... A: Oh Ok, Insurance follows the vehicle. When you pay for insurance, you are insuring a vehicle and ... | |
| Car Insurance for 21 year old. | 2/18/2008 |
| Q: My question relates to my 21 year old daughter. If she has her own insurance policy, but lives at ... A: Most likely No, unless you "aid" or "help" to the mishap. However, if the mishap is in your car (you ... | |
| car accident | 2/18/2008 |
| Q: I WAS RECENTLY INVOLVED IN AN ACCIDENT 1/18/08 THAT WAS NOT MY VEHICLE. A DRIVER MADE A LEFT TURN ... A: This is interesting. The uninsured property damage coverage was ruled out not liable? If that is the ... | |
| Daughter loaned my car to friend without my permission and he recked it. | 2/18/2008 |
| Q: I let my daughter drive my car to her fathers for dinner. She ended up loaning a friend the car to ... A: I am truly sorry about your story. Can you press charges? Yes you could! You have to be careful in ... | |
| Coverage transfer | 2/18/2008 |
| Q: I have Esurance, and my mother has State Farm. We both have full coverage on our vehicles. I was ... A: Most likely yes. The policy of each vehicle would cover the person driving it. Your auto policy ... | |
| Auto accident | 2/17/2008 |
| Q: I hope this isn't too long but I don't want to have to go back and forth due to my leaving out info. ... A: I am sorry to hear the situation. I will try to outline the "normal" process for you. You are in ... | |
| hit and run | 2/16/2008 |
| Q: my car(uninsured) was parked at the time of the accident somone seen my neighbor hit and run. i ... A: Yes, you can make take them to small claims court (or a bigger court) or the damages to your car. ... | |
| BODILY INJURY | 2/16/2008 |
| Q: I have been getting physical therapy atreatments and doctor office visits thru my HMO with a $15 per ... A: Usually the personal injury protection policy of the vehicles cover the medical bills. If there is ... | |
| Accident | 2/15/2008 |
| Q: car "A" was traveling on a snow covered road and lost control of the vehicle. Car "A" came to a stop ... A: Ok, that helps a little more. Here is what happens in Wisconsin: Wisconsin: Modified Comparative ... | |
| car vs pedestrian | 2/14/2008 |
| Q: Not sure what to do, if anything. 17 year old son bumped an elementary child with his car, causing ... A: You need to report this to your insurance company. Most insurance policies cover pedestrians as ... | |
| Accident | 2/14/2008 |
| Q: car "A" was traveling on a snow covered road and lost control of the vehicle. Car "A" came to a stop ... A: Well, Interesting set of events. As you know, my answer is only information and without all facts, ... | |
| drunk driver hit and run | 2/14/2008 |
| Q: i was hit by a drunk driver while i was waiting for a train,then the driver took off and ran but ... A: The normal (by that I mean, your policy might be different) process is your insurance company ... | |
| Car warranty | 2/14/2008 |
| Q: We purchased a 2007 Suzuki XL7 in Sept 07. Since that time the dealership has had it more often ... A: You have every right to upset and mad. Your situation is rather common, which irritates me also. ... | |
| filing claim separately | 2/12/2008 |
| Q: there was three of us in the car, we got hit by a drunk driver, all three of us is being represented ... A: If by claim you mean insurance claim, then you most likely can go ahead and settle. But if by claim ... | |
| question about comprehensive | 2/12/2008 |
| Q: If I was involved in a car accident due to bad road conditions ( snow and sleet) would it be covered ... A: Probably not. The theory is that you collided with the ground (hole, tree, rock, etc). and ... | |
| I left a note after a minor fender bender while parking.... | 2/12/2008 |
| Q: So a few weeks ago I was parallel-parking my car on a busy chicago street. i came a bit too close ... A: Well, this is one of the reasons insurance companies are better to deal with this type of thing. ... | |
| Can I ask my own auto insurance to be involved in? | 2/12/2008 |
| Q: My car insurance has only bodily injury and property damage coverage. I got minor injuries and car ... A: The other insurance company only has a duty to their own client (the driver) The policy must cover ... | |
| insurance | 2/12/2008 |
| Q: my 18 year old son hit a guy in my truck and is not on my insurance what is going to happen A: Well, it depends. You need to look at your policy and see what is included and what is excluded. ... | |
| car accident | 2/11/2008 |
| Q: Good day. I was in a car accident where the other party was at fault. She made a left turn at the ... A: You can always go after the person regardless of policy limits. The problem is that the insurance ... | |
| Can I ask my own auto insurance to be involved in? | 2/11/2008 |
| Q: My car insurance has only bodily injury and property damage coverage. I got minor injuries and car ... A: I do not have an specific example yet. However, you have two options. You can call the insurance ... | |
| Can I ask my own auto insurance to be involved in? | 2/11/2008 |
| Q: My car insurance has only bodily injury and property damage coverage. I got minor injuries and car ... A: Sounds like you do not have Personal Injury Protection (PIP) or medical coverage, which would cover ... | |
| Claim Coverage | 2/8/2008 |
| Q: I had a friend of mine do some routine maintenance on my vehicle. My friend also worked at a local ... A: Boy Tyson, sorry to hear this. Well, if you have full coverage you can argue that the truck was ... | |
| collision coverage on a new policy | 2/7/2008 |
| Q: i was at a drive-thru banking center earlier (02/06) and pulled in to the rightmost lane. the lady ... A: Well, that is good news. After that type of statement, they will probably not change their mind. ... | |
| collision coverage on a new policy | 2/7/2008 |
| Q: i was at a drive-thru banking center earlier (02/06) and pulled in to the rightmost lane. the lady ... A: Well, this is difficult. Sounds like you talk to your insurance company and ask the about insurable ... | |
| collision coverage on a new policy | 2/7/2008 |
| Q: i was at a drive-thru banking center earlier (02/06) and pulled in to the rightmost lane. the lady ... A: Well, the insurance policy dates are effective for a reason. The insurance adjuster will do an ... | |
| statute of limitations | 2/7/2008 |
| Q: can the personal injury statute of limitations be tolled in california with a verbal settlement, or ... A: A statute of limitation can only be tolled by a court of law. Statutes of limitations are very ... | |
| fraudulent insurance clain | 2/6/2008 |
| Q: My boyfriend was just shopping around for new car insurance when he learned that his insurance paid ... A: Boy, This one is interesting. They have a duty to inform you. They cannot simply pay out because ... | |
| diminished value | 2/6/2008 |
| Q: I was hit on 11/25/07 by a 18 year old. She was text messaging ran a red light and hit me. The same ... A: That seems to be an interesting answer. We have never seem this. The bottom line is that they must ... | |
| accident w/ lapsed insurance | 2/6/2008 |
| Q: On 1/25 I hit someone in the rear of his car as he went through a yeild (he stopped pulled through ... A: I am sorry to hear about your situation. This is the number one reason you need insurance, to ... | |
| personal injury | 2/5/2008 |
| Q: i was in an auto accident dec30, 07' i feel that i am well capable of settling the claim on my own ... A: Matthew, you should always consult with an attorney. Most of the time the first interview is free ... | |
| Rear ended ; soft tissue injury claim ? | 2/5/2008 |
| Q: 1/4/08 we were at a red light hit by an very big suv going about 35 mph - had $5000 worth of damage ... A: please do not apologize for not knowing exactly what to do. Your attorney must explain the process ... | |
| INSURANCE DISPUTE. | 2/4/2008 |
| Q: I OWN A 2002 EXPLORER THAT THE ENGINE HYDRLOCKED FROM FLOOD CONDITIONS, AFTER THE INSURANCE COMPANY ... A: I understand your position. This is perhaps one of the most unfair scenarios. Insurance companies ... | |
| Do I need to report my motorcycle accident? | 2/4/2008 |
| Q: I had a motorcycle accident where the other driver was ticketed and I wasn't. There was damage to my ... A: This is the dilemma of insurance. We have written articles regarding the subject. Visit: ... | |
| Coverage for my son | 2/4/2008 |
| Q: My question is about liability coverage for my son who is age 19 and lives at home while he is going ... A: Your son needs to purchase his own independent policy. If you provide coverage under your policy you ... | |
| Rear ended ; soft tissue injury claim ? | 2/4/2008 |
| Q: 1/4/08 we were at a red light hit by an very big suv going about 35 mph - had $5000 worth of damage ... A: Your medical bills will be paid by you own insurance company first (if you have Personal Injury ... | |
| auto insurance claim | 2/4/2008 |
| Q: This concerns a vehicle registered in California. The insurance company has made a $13,000.00 plus ... A: The insurance company will tell you how much they believe they can get in an auction. This is ... | |
| auto insurance claim | 2/3/2008 |
| Q: This concerns a vehicle registered in California. The insurance company has made a $13,000.00 plus ... A: The owner of vehicle has the right to retain the salvage (their totaled car). If that person does ... | |
| best insurance company | 2/3/2008 |
| Q: My wife recently had an accident and we had geico insurance. It was very difficult to have a claims ... A: Well, This is an interesting question. What is the best insurance company? Well, it depends, USAA ... | |
| Is This Legal? | 2/3/2008 |
| Q: Quiroga, My daughter was in an automobile accident about six weeks ago. She only had liability. ... A: What do you mean they salvaged the vehicle? Towing companies have the ability to take over the ... | |
| settlement amount to ask for of at fault drivers ins co | 2/2/2008 |
| Q: Auto accident happened 7/23/07 in Florida. I have received payment for my car which was totaled. We ... A: What formula? There is no formula, and if there one it is up to the insurance carrier to apply it. ... | |
| settlement amount to ask for of at fault drivers ins co | 2/2/2008 |
| Q: Auto accident happened 7/23/07 in Florida. I have received payment for my car which was totaled. We ... A: Since the insurance company is asking for a number, I will answer your question about limits. ... | |
| Vehicle/Motorcycle Collision | 2/1/2008 |
| Q: Just few months back I was involved in a auto collision with a motorcyclist in a T-intersection. I ... A: I am sorry to hear this is your case. You seem to have three different issues. 1. can you dispute ... | |
| Insurance Coverage | 2/1/2008 |
| Q: If you are the driver of a car that doesn't belong to you and you don't have any insurance are you ... A: I am sorry to hear about your accident. The general rule is that insurance follows the car. If the ... | |
| insurance | 1/31/2008 |
| Q: my husband had recently put liability insurance on our car! His aunt does insurance through farm ... A: I am sorry to hear about your husband accident. It is your duty to put insurance on the vehicle, ... | |
| Values for damaged autos | 1/31/2008 |
| Q: One of my cars was recently involved in an accident, so far I have one repair estimate and am going ... A: Most insurance companies hire independent third party companies to do an independent evaluation of ... | |
| I'm being sued. | 1/31/2008 |
| Q: I rear ended someone back in 2006. I received a subpoena today from the passenger in the other ... A: Well, attorneys try to go for certain amount of damages. They put the amount they hope to get ... | |
| total car or repair | 1/31/2008 |
| Q: I was hit from behind police called, other driver at fault. His insurance wants to total the car, my ... A: Total losses are complicated because there is a lot of paper work and things to consider. Be aware ... | |
| broadsided/fissure in disk | 1/30/2008 |
| Q: I was just wondering what kind of settlement I can expect if I was broadsided and now have a fissure ... A: I cannot answer your question. There are way too many variables when evaluating a bodily injury ... | |
| HEAD INJURY | 1/30/2008 |
| Q: I WAS A PASSENGER IN A CAR THAT HIT ANOTHER CAR FROM THE BACK, MY HEAD HIT THE DASHBOARD, WENT TO ... A: Well, I am sorry to hear about your accident. Usually, insurance adjusters will only look at your ... | |
| Auto Insurance requirements for Colleges...; | 1/30/2008 |
| Q: I was recently in an accident with a local college employee who was driving a college vehicle. He ... A: Sorry to hear about your accident. Colleges are just like any other employer, they must have ... | |
| Sued? | 1/30/2008 |
| Q: It turned out that the other driver had a back injury that could not be proven to be pre-existing. ... A: WOW, I am sorry to hear about your accident. It is interesting that this was a minor accident and ... | |
| Recent accident | 1/29/2008 |
| Q: I was involved in an accident 1 month ago. The other driver was ticketed at the scene, but lied to ... A: You have a claim for Diminished Value for the damage to your Ford Explorer. Visit: ... | |
| windshield | 1/29/2008 |
| Q: Do I have to pay my deductible to get my windshield replaced when it was not my fault. Is there a ... A: Deductibles always apply regardless of fault. They try to discourage you from making lower amount ... | |
| need proof of self employment income | 1/29/2008 |
| Q: I was injured in an auto accident the person who hit me was at fault, his insurance company wants ... A: Well, you have a difficult claim in your hands. We have written some webpages on the matter. Visit: ... | |
| 17yo permit driver property damage liability | 1/25/2008 |
| Q: my 17yo daughter with only a driving permit who was living with her father was allowed to drive his ... A: I am sorry to hear about your daughter's accident. I am happy however to learn that she is ok. The ... | |
| claim value/do i need an attorney? | 1/24/2008 |
| Q: my situation is kind of difficult. In August of 06, i was a passenger in a 1 vehicle rollover ... A: I am sorry to hear about your injuries. The insurance company will try to settle for way less than ... | |
| bodily injury claim | 1/24/2008 |
| Q: My husband was killed in a motorcycle accident 09/29/07. He was coming home late from a rally with ... A: by the phrase "the insurance co will try to buy themselves out of this one", I meant this: The ... | |
| Collision reimbursement | 1/24/2008 |
| Q: Can and should the loss of future value (such as in future trade-in value) be added to the cost of ... A: The answer is depends. It depends of you who you are (a claimant or an insured), in other words, a ... | |
| statement | 1/24/2008 |
| Q: I had a car accident about 14 months ago. My medical bill until today is about $15,000 and my PIP ... A: Well, You can always decline to take a statement. They want to do it now because they want to ... | |
| car accident! | 1/23/2008 |
| Q: I was involved in an accident driving my girlfreinds car. she has liability insurance on her ... A: I am sorry to hear about your accident. Parking lot accidents are difficult and at times, the ... | |
| hit and run | 1/23/2008 |
| Q: My daughter's car was hit twice in one day. The second time it was a hit and run. The person fled ... A: Well, this is somewhat of a difficult situation. Insurance companies must believe their clients ... | |
| Insurance lawsuit | 1/23/2008 |
| Q: My husband was in an accident and we are working with a lawyer to try and get money for his ... A: Well, your attorney is the best person to go. Most people cannot give you any advice. When you are ... | |
| car accident in icy parking lot | 1/23/2008 |
| Q: My wife drove into her office parking lot and slid on black ice and hit her boss's (the owner of the ... A: Speak of a bad day! Hitting your boss in the parking lot. Well, you could make that claim. He/she ... | |
| two rearend collisions on same day | 1/22/2008 |
| Q: I was unfortunate last Thursday to be rearended twice. I filed a police report for both accidents. ... A: I am sorry to hear about the two accidents. Boy, speak of a bad day! Well, your case is not that ... | |
| statement | 1/22/2008 |
| Q: I had a car accident about 14 months ago. My medical bill until today is about $15,000 and my PIP ... A: Boy, you are in a difficult position. I am sorry to hear about your neck injury. Ok, it appears ... | |
| Repair shops estimate lower, but raised when adjuster came out | 1/21/2008 |
| Q: How is it possible that a repair shop that gave me an estimate of $4200.00 to fix my car all of a ... A: Well, the scenario you describe above is "normal". It actually is better for you that this happened. ... | |
| car insurance | 1/20/2008 |
| Q: My 17 year old son has just bought a car and the log book has been sent off in his name, so can I ... A: You can take insurance on the vehicle as long as you have an insurable interest on the car (i.e. you ... | |
| liability | 1/19/2008 |
| Q: My son was driving in the parking lane through a parking lot when he was it by a driver backing up, ... A: I am sorry you are in this situation. Your insurance company should explain to you the entire ... | |
| Theft | 1/19/2008 |
| Q: My car was parked in the lot I pay for near my home. Yesterday evening someone broke in to my car ... A: Well, it depends of what kind of contract or agreement do you have with them. If this is a secure, ... | |
| Claim against me over policy limit | 1/19/2008 |
| Q: I hope you can help me! I was found at fault in an auto accident a few months ago. I just received ... A: Regarding your follow up question, your 20K coverage is absolute. This means that if the insurance ... | |
| Backing out is blocked - Fender Bender | 1/18/2008 |
| Q: I was parked in a private driveway visiting a friend, the driveway is steep. Another visitor to the ... A: You can make the argument that they were illegally parked. However, this is a hard claim to win. The ... | |
| Claim against me over policy limit | 1/18/2008 |
| Q: I hope you can help me! I was found at fault in an auto accident a few months ago. I just received ... A: well, if I am following your question correctly, you caused $30,000 worth of damage (medical bills), ... | |
| car accident | 1/18/2008 |
| Q: My truck was hit while parked the person called her insurance co. they came out and gave me an ... A: Joe, Your situation is common. Usually the insurance company estimate is lower than the shop's ... | |
| Florida - renting an exotic auto | 1/18/2008 |
| Q: If i rent an exotic car while in florida, does my insurance cover the rental car? Also if i am an ... A: Florida is a no fault state. You have to have full coverage on your own policy before they cover any ... | |
| ins claim | 1/18/2008 |
| Q: i was involved in a car accident jan 2006 i got a letter from ins company they needed my doctor ... A: If they give you fair warning (a letter telling you that you needed to send the bills) before the ... | |
| accident liability | 12/31/2007 |
| Q: i was involved in an accident on january 30, 2007; the accident happened on a freeway off-ramp with ... A: Well, you can certainly make the argument that you are familiar with the area and she is not. ... | |
| hit from behind at Yield | 12/30/2007 |
| Q: I forgot to pay my auto insurance so I had no coverage. I was hit from behind at a yield sign. The ... A: I am sorry to hear about your accident. All insurance and/or traffic laws and violations go ... | |
| accident liability | 12/30/2007 |
| Q: i was involved in an accident on january 30, 2007; the accident happened on a freeway off-ramp with ... A: The delay in filing the claim could make things a little difficult (finding independent witnesses, ... | |
| totalled vehicle, unauthorized driver | 12/29/2007 |
| Q: My 2006 Mustang GT was taken by my 18 year old son without any permission last night. We still owe ... A: Wow, I am sorry to hear this. Kids somethings can do things and not measure the consequences. It ... | |
| Unlisted driver on auto insurance policy | 12/28/2007 |
| Q: I financed a vehicle back in December of 2005 for my significant other. We are no longer married and ... A: The correct answer is right in your policy language. You need to read your policy. To "learn" how to ... | |
| time limit for repairs | 12/28/2007 |
| Q: I got rear ended about a month ago and have had a hard time getting my truck into the shop for an ... A: Hey Bob, Well, Insurance companies like to play hard ball. I am sure you know that by now. They ... | |
| drunk driver totaled my parked car | 12/28/2007 |
| Q: Last week in the middle of the night an underage drunk driver hit our car pushing it about 20 feet ... A: I am sorry to learn about your Camaro, they are really cool cars. Well, she does have civil ... | |
| Impact of a claim on future Policy Premiums... | 12/27/2007 |
| Q: I live in Florida (a no-fault state last time I checked...does that still matter?) and was involved ... A: Let me try to outline the process and let you make a decision. Florida is a no fault state, which ... | |
| time limit for repairs | 12/27/2007 |
| Q: I got rear ended about a month ago and have had a hard time getting my truck into the shop for an ... A: The longer you wait the harder it will be to argue that any "hidden" damage is related to the ... | |
| Rear End Accident - Soft Tissue Injury | 12/27/2007 |
| Q: In August I was rear ended by a teenage driver while I was stopped at a red light. The impact was ... A: Boy Erin, I am sorry this is happening to you. Some claim adjusters can be very aggressive in ... | |
| Auto Injury Accident need help | 12/27/2007 |
| Q: My car was in a accident by another driver with a motorcycle that hit him on the left rear side. ... A: You are in a hard position. The person that can really dispute this is the driver of your car, not ... | |
| liability | 12/27/2007 |
| Q: I was on inside lane of 2 lane (each direction) road, traveling at a speed of 30 mph. It was ... A: I am sorry to hear about your accident. Every one driving a vehicle has several duties. They have a ... | |
| liability | 12/22/2007 |
| Q: my mother-in-law is driving a car which i carry the lease on (along with my husband). she does have ... A: The answer is yes, you could be personally liable for what happens in your leased vehicle. The ... | |
| Disclose Amount of Property Damage | 12/16/2007 |
| Q: I rear ended another car at a light. The amount of damage to my car was only $16 over my 500 ... A: Your insurance company has a duty of full faith and full disclosure. First party insureds are owed a ... | |
| parking lot accident | 12/15/2007 |
| Q: I pulled into a parking spot at Target and bumped the corner of the rear bumper of the car next to ... A: Well, they could be liable. But it would be very very hard to win in a court of law or even an ... | |
| Making a Claim | 12/15/2007 |
| Q: My 20 year old son had a single car accident on the highway yesterday. No one was hurt and he was ... A: Good thing no one was not hurt. It is too bad your car is a total loss. We believe you are ... | |
| daughters boyfriend had accident with her car | 12/15/2007 |
| Q: My daughter is being sued for an accident. Her boyfriend was driving her car when the accident ... A: Sorry to hear about the lawsuit. Your daughter is being sued? Hum, we are trying to figure out ... | |
| Insurance premium increase | 12/15/2007 |
| Q: My 17 year old son had a minor accident in a snow storm. Low speed, his fault, damages between the ... A: Sorry to hear about your son's accident. Good things it was low speed and we hope that no one was ... | |
| Auto Claim | 12/14/2007 |
| Q: My mother in law was driving my car yesterday with me in the car and caused considerable body damage ... A: People probably hate attorneys for this reason. It depends. All insurance policies in the U.S. have ... | |
| car incident | 12/14/2007 |
| Q: I was parallel parking and then proceeded to get out of the vehicle. A minute later a man came up to ... A: Rose, Traveling 24 hours to get there is a little much. Again, if you are innocent, do not let ... | |
| Auto car insurance | 12/14/2007 |
| Q: I got into an accident during a one day lapse of my insurance. I lapsed on the and paid on 10th ... A: Sorry to learn about your situation. Hopefully this helps, Policy lapse is a perfect defense for ... | |
| car incident | 12/14/2007 |
| Q: I was parallel parking and then proceeded to get out of the vehicle. A minute later a man came up to ... A: Hum... interesting set of facts. Well, you did have an awkward encounter that is for sure. If you ... | |
| accident | 12/14/2007 |
| Q: I was in a car accident on oct 26,2007, reported to the insurance company. adjuster came out ... A: it sounds like you are getting the run around. Two months and no payment does not sound correct. The ... | |
| car fire | 12/13/2007 |
| Q: In the parking lot of my apartment complex there was a car fire that spread to 8 other cars in ... A: Boy Mike, Sorry to hear about your loss. Negligence and Liability can be remove because of arson. ... | |
| Old car accident | 12/13/2007 |
| Q: I was in an accident last Wednesday evening where the driver of the other car went through a red ... A: WOW friend, we will try to answer your questions here and help you get the most out. 1) You need ... | |
| Stolen Car | 12/13/2007 |
| Q: My car was stolen in October of this year. My insurance company says that their only obligation is ... A: Couple of things: Your insurance company has a duty to you first. You are the insured. However, ... | |
| Vehicle damaged | 12/13/2007 |
| Q: Firstly I have liability only insurance as all my vehicles are paid for. One of my autos was hit ... A: When you have liability only, you are basically insuring your own damage (both repairs and ... | |
Auto Insurance Claims
Answers by Expert:
Anne
Top Expert on this page
Expertise
Auto insurance claims regarding vehicle accidents, insurance coverages, auto policies, bodily injury claims, pain and suffering, injury settlements and negotiations.
Experience
I am an adjuster for injury claims and property damage claims for over 5 years (still working there). I have worked for personal injury attorneys helping consumers get a fair treatment and I am passionate to help others with their vehicle accidents.
Education/Credentials
B.A. Economics/ Political Science
Awards and Honors
I was the top settling claims adjuster at the Insurance Company that I worked for.
I am the co writer of http://www.auto-insurance-claim-advice.com a website dedicated to help consumers document their auto claims and navigate the complex claim process.
Past/Present Clients
I work with injury lawyers working on high dollar settlements and jury awards for pain and suffering see: Spokane Law Office.
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