| Subject | Date Asked | Expert |
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| please help | 8/20/2008 | Richard |
Q: My car was parked thou damages on my car are 8000 dollars i have the report the guy has insurance ...
A: the fact that your vehicle was not insured at the time of the event does nothing to change the fact ...
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| Car insurance before marriage | 8/18/2008 | Denise |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: I think you should contact your State Insurance Department and make a written complaint. Since you ...
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| definition of totaled out car | 8/18/2008 | Richard |
Q: My question is what happens when the insurance company totals out a car. I was hit by someone ...
A: when a vehicle is considered to be a total loss it means that the repairs are going to cost more ...
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| Auto accident | 8/17/2008 | Richard |
Q: On Thursday i was approching an intersection in which someone was stopped in the middle of the road, ...
A: the way I see this situation is that you have run up against a scam artist who does this type of ...
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| Health Insurance Question | 8/16/2008 | Richard |
Q: I injured my back and subsequently had x-rays, MRI and numerous doctors visits. I was just recently ...
A: I am laughing as I write this response because I know where the health insurance company is coming ...
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| insurance claim on sold house | 8/16/2008 | Denise |
Q: I am the executor to an estate and the home had major hail damage, for which I submitted a claim to ...
A: What the bank needs to do is to issue a letter to the insurance company, referencing the claim ...
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| Life Insurance Policy | 8/15/2008 | Richard |
Q: My friend's husband took out a policy for $25,000 in June 2008 and gave them a check, They told him ...
A: a lot of this would depend upon whether or not your friend has a copy of the insurance policy with ...
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| Car insurance before marriage | 8/15/2008 | Denise |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: The best thing to do would be to contact Geico, and ask them to explain the rating on the new ...
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| House hit by demolition car & trailer | 8/15/2008 | Denise |
Q: I was wondering what, if anything, I can claim for a trailer coming off the back of a truck and ...
A: I take it that you didn't have rental insurance, or insurance coverage on the demolition car. You ...
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| Stolen & Wrecked Vehicle | 8/15/2008 | Richard |
Q: A relative living with us was given the house keys to enter which also held the truck key. This ...
A: in my opinion you are going after the wrong entity in attempting to appeal this decision on the part ...
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| left hand turn | 8/15/2008 | Richard |
Q: I was making a left turn on a two way road. I saw a vehicle approaching but felt I had sufficient ...
A: since you cannot prove either speeding or cell phone use I am afraid the ticket is valid because the ...
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| Car insurance before marriage | 8/12/2008 | Denise |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: It's pretty standard to split up the auto insurance, but it is usually done after a divorce. The ...
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| pre-existing conditions/divorce | 8/11/2008 | Richard |
Q: I have a brother that has had lymphoma, he is in relapse and has been for some time and is in good ...
A: this is a real tough one. The first thing your brother must do is to obtain a copy of the insurance ...
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| NY Disabled van damaged(lengthy) | 8/11/2008 | Richard |
Q: Tuesday, July 29, 2008 I bought my 1998 Ford Econoline 150 van in for its NYS inspection. I took it ...
A: I am very, very sorry for such a terrible event to befall you! My opinion is that you should ...
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| car damage while in mechancial shop | 8/11/2008 | Richard |
Q: What if I put my vehicle in the mechanical shop for repairs and after the mechanical call and stated ...
A: you can absolutely sue the shop and in my opinion you should do so if they do not voluntarily agree ...
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| Lapse of Coverage | 8/11/2008 | Denise |
Q: In May I switched insurance companies. Shortly after signing the documents and paying the ...
A: The first thing to determine is whether they issued you a writen notice of cancellation to you for ...
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| Car Insurance Lapse | 8/10/2008 | Richard |
Q: I've had State Farm car insurance for the past 15 years, and have had the same agent for 13 years. ...
A: hopefully this will be rectified without any further hassle to you by State Farm but if not then ...
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| Is insurance required? | 8/9/2008 | Denise |
Q: Are gas stations required to have insurance for property damage or bodily injury in the state of ...
A: I'm not from Florida, so I really can't help you with this. You might try contacting myflorida.com. ...
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| insurance gaps | 8/9/2008 | Richard |
Q: I have a condo in southwest Florida and we recently had water damage. Per a Florida statute there ...
A: this is a toughie because both insurance policies would have to be read very carefully to see ...
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| Builder Liability for Leaky roof in New House construction | 8/8/2008 | Richard |
Q: Just after five years of single ownership of a new home, strong winds and rain apparently caused a ...
A: I have never heard of a guarantee on a newly constructed home to be longer than one year but I am ...
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| Insurance claim question | 8/8/2008 | Denise |
Q: I was rear ended last week on my way to work. I was sitting at a red light. I heard brakes and ...
A: Since you are both insured with State Farm, you shouldn't have to pay a deductible, nor should this ...
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| speeding ticket | 8/7/2008 | Richard |
Q: While driving to work today I was following the same car for about 8 miles. The speed limit on this ...
A: if the posted speed limit at the stretch of road where you passed the other vehicle was 35MPH then ...
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| Betterment on an engine | 8/7/2008 | Denise |
Q: Can an engine fall under betterment and not be paid by an insurance carrier? If, yes, how is it ...
A: Claims isn't my specialty, but I would say yes, that an engine could fall under betterment. For ...
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| Property Damage from Car accident | 8/5/2008 | Denise |
Q: Who pays for property damage? At a rental property of mine a retaining wall was damaged after a car ...
A: Liability follows the ownership of the vehicle, not the driver. You will need to file against them ...
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| Taxis in NJ | 8/4/2008 | Richard |
Q: Are Taxi's in NJ required to carry either PIP or MedPay coverage?
A: the last time I had any dealings with N.J. no-fault laws ALL vehicles were required to carry it. ...
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| Insurance Termination Letter | 8/4/2008 | Richard |
Q: I let my son drive my car (he does not live with and is not under my insurance and does not own a ...
A: why not call either the DMV or your State Insurance Dept. If the insurance is mandatory in your ...
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| G/L Audit | 8/4/2008 | Denise |
Q: We are owned by a company based in another country and often purchase goods from the parent company ...
A: This isn't an area of my expertise, but I'm not aware of any exclusion for goods sold between ...
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| Insurance Termination Letter | 8/4/2008 | Richard |
Q: I let my son drive my car (he does not live with and is not under my insurance and does not own a ...
A: there is nothing else to do but bite the bullet and get yourself a new insurance policy with another ...
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| Car accident | 8/3/2008 | Denise |
Q: Denise, my husband was driving my car, and was hit from behind at a stoplight. Both cars are ...
A: I would recommend filing with the other driver's insurance. Your insurance company may end up ...
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| Prevailing State Laws for Auto Accident | 8/3/2008 | Denise |
Q: Had an auto accident in 2004 as a passenger - other driver at fault. Was living in Oregon but came ...
A: If I understand you correctly, your health insurance company in Oregon is trying to get back the ...
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| Exceeding a policy limit | 8/3/2008 | Denise |
Q: I am a fairly inexperienced driver and when I bought my first insurance policy 18 months ago I was ...
A: I would first get a copy of the police report. If it states the other driver admitted fault (which ...
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| Juvenile Auto Insurance Coverage | 8/2/2008 | Denise |
Q: My daughter is 19 1/2 and therefore is no longer considered a minor. She primarily drives a car ...
A: If she is driving your auto, it is your auto insurance that will pay for the loss. Do not take her ...
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| Auto Insurance | 8/2/2008 | Richard |
Q: I recently changed auto insurance companies on 7/1/08. I mistakenly thought my auto insurance ...
A: I think that the first people to contact is the old insurance company because if your premiums were ...
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| Auto Insurance | 8/2/2008 | Denise |
Q: I recently changed auto insurance companies on 7/1/08. I mistakenly thought my auto insurance ...
A: If you made your payment for the new insurance on 6/26/08, and you had proof of insurance from your ...
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| Auto accident and Health Insurance | 8/2/2008 | Richard |
Q: quick question. My wife was involved in a MVA which she was not at fault for. At the time of the ...
A: I do think that you are looking at this in a one sided manner but I certainly do not fault you for ...
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| mva/NJ | 8/2/2008 | Richard |
Q: My daughter aws in an mva. She was a passenger,her friend was the driver.He recieved a ticket for ...
A: yes you are bound by the coverage limits on his insurance policy but once again, your daughter has ...
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| driveway accident | 8/2/2008 | Denise |
Q: If you are backing out of the driveway, and there were no oncoming traffic, and if the rear of the ...
A: In these types of accidents, it is generally the person backing up who is considered at fault, as ...
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| no insurance and got t boned | 8/1/2008 | Denise |
Q: I was making a left turn , i was in the middle of the intersection waiting on a yellow light, when ...
A: You could consider contacting your State's Insurance Department, and ask them for assistance. Or ...
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| Got T Boned with no insurace | 8/1/2008 | Richard |
Q: I was making a left turn , i was in the middle of the intersection waiting on a yellow light, when ...
A: , the fault for such an accident almost always lies on the shoulders of the left turning driver but ...
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| Auto accident and Health Insurance | 8/1/2008 | Richard |
Q: quick question. My wife was involved in a MVA which she was not at fault for. At the time of the ...
A: I see where you want to go with this. The problem with it is that your wife chose her new career ...
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