Auto Insurance Claims - Auto Insurance - Autos

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About 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.

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Questions Answered By Expert Anne
In Category Auto Insurance Claims

Subject	Date Asked

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 t