| Subject | Date Asked | Expert |
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| first time ive been in a incident. Deductible/paint work. | 1/8/2009 | Richard |
Q: my first question is. if the police report says the other person hit me do i still have to pay the ...
A: automobile rules and regulations vary from State to State but as a general rule you will be made ...
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| reimbursements beyond damages after a fire caused by neighbor | 1/8/2009 | Bennie 719 |
Q: My neighbor's sons used fireworks which destroyed all of our trees, landscaping and damaged part of ...
A: I'm sorry to learn of your loss to your trees and landscaping and know that you must feel ...
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| Depreciation of Property Damage Caused by Auto | 1/7/2009 | Richard |
Q: An automobile hit a telephone pole tearing the electrical wires down that were attached to my home. ...
A: I am afraid that you aren't going to get much more than the siding replaced on the damaged side of ...
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| hit at bus stop | 1/7/2009 | Richard |
Q: i was hit by a yellow cab in queens,NY (2/15/2008).i sustained a fracture and scarring on my left ...
A: yellow medallion cabs are only insured for $100/300,000 each per N.Y.S. insurance regulations. The ...
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| stolen car | 1/7/2009 | Bennie 719 |
Q: Alright, My friends have moved from Orlando, FL to the Tampa area. I believe that they have ...
A: Normally the storage lot will not allow the owner to see the car until tow and storage fees are ...
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| Auto Claim Question | 1/5/2009 | Bennie 719 |
Q: We were driving our Toyota Highlander 3 days ago in Lake Tahoe area which is an out of town trip. We ...
A: I'm sorry to learn of your minor (but possibly expensive) accident. You may recall that in 1989 the ...
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| car | 1/4/2009 | Bennie 719 |
Q: I had a 2000 Dodge Intrepid I got into a accedent that was the other persons fault. The car had ...
A: Your car has a different value in different parts of the country. Allstate will hire an independent ...
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| Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver. | 1/3/2009 | Bennie 719 |
Q: Our daughter was driving our vehicle that has full coverage from AAA. Within a half-hour of her ...
A: I forgot to ask if there was another vehicle involved or a police report made. My answer is a ...
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| dead tree damage | 1/2/2009 | Denise |
Q: As a result of recent strong winds in Virginia, a tree was blown over and did some damage to my ...
A: The insurance company will still pay the damage caused by the tree, but may require an inspection of ...
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| auto insurance | 1/2/2009 | Bennie 719 |
Q: If i were to take on a room mate who's license is revoked and do not notify my insurance company of ...
A: Under the situation that you describe, an accident that you might have can not be denied because you ...
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| Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver. | 1/2/2009 | Bennie 719 |
Q: Our daughter was driving our vehicle that has full coverage from AAA. Within a half-hour of her ...
A: In order to provide the thorough answer that your question deserves, I need a bit more information. ...
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| auto insurance | 1/1/2009 | Denise |
Q: If I were involved in an accident and filed a claim with my insurance company , can the claim be ...
A: If you misrepresented yourself when you applied for the insurance, it is possible they could deny ...
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| auto insurance | 1/1/2009 | Bennie 719 |
Q: If i were to take on a room mate who's license is revoked and do not notify my insurance company of ...
A: ************** FOLLOW UP ******************** Hi Stuart, I'm sorry that you feel that I did not ...
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| Homeowners vacant coverage denied | 12/29/2008 | Denise |
Q: My mother's house is forsale and vacant. We purchased vacant home insurance. A broken water pipe ...
A: Coverage for vacant homes doesn't cover water damage from frozen pipes, because it's very likely ...
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| homeowners coverage | 12/28/2008 | Bennie 719 |
Q: A bad wind storm blew over my son's wooden playset in our yard and the lumber and slide are broken. ...
A: Your policy covers the home for the amount stated on the policy, plus an additional amount equal to ...
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| multiple car accident | 12/28/2008 | Denise |
Q: I was recently involved in a 4 car accident, in which I was rear ended. I was stopped at a stop ...
A: This is a tough question, and I didn't find much help researching this on line. You may want to ...
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| My Insurance | 12/28/2008 | Denise |
Q: Will my car insurance (KY Farm Bureau)cover me driving a van I just bought today? I cannot get ...
A: This comes under the category of Newly Acquired Vehicles. If you have a vehicle insured now, then ...
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| son driving father's car | 12/27/2008 | Denise |
Q: Our 20 year old son has wrecked his car, co-owned by myself, his stepfather and him. He is wanting ...
A: If you and his stepfather are on the legal title of the vehicle, then you are also exposed to him as ...
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| hit rear bumber slowly, no damage, no police report | 12/24/2008 | Denise |
Q: I was driving my parent's car yesterday. I'm under the insurance policy. It was snowing like crazy ...
A: Since you have her address, maybe you should contact her, and take a camera and get photos of the ...
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| Michigan PPL and No Fault Insurance | 12/24/2008 | Denise |
Q: Driving home from town in a bad snow storm we were wating to turn off a state road when a driver ...
A: Here is a link to Michigan's website on No Fault: ...
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| Condo above me flooding my ceiling | 12/24/2008 | Denise |
Q: One morning around 3am, my wife calls me at work and says that my kitchen ceiling was leaking a lot. ...
A: If you didn't purchase your own condo insurance, then you've chosed to self insure for damages that ...
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| go to the court (insurance) | 12/23/2008 | Bennie 719 |
Q: We never went to the court, what is the procedures to file on insurance comp. Accident was not our ...
A: 12/26/08 Hi OP, When you carry full coverage and are involved in an accident, the legal obligation ...
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| stolen car accident liability | 12/23/2008 | Denise |
Q: My car was stolen and involved in an accident where people were injured. I did not leave the car ...
A: There is an exclusion in the auto policy that would not provide coverage to vehicles that are not ...
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| Neighbors Tree Limb Invasion on my | 12/23/2008 | Denise |
Q: Denise,I'm not sur that i will the answer that i'm looking for but here goes...i have a rental ...
A: These types of losses are considered to be not a factor of negligence to the owner of the tree, ...
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| SUED BY INSURANCE COMPANY | 12/22/2008 | Denise |
Q: If I am sued by an insurance company for being found at fault in an accident and my insurance had ...
A: If you can pay the full amount, you should do so. The judgment will not be removed until you have ...
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| stolen car accident liability | 12/22/2008 | Denise |
Q: My car was stolen and involved in an accident where people were injured. I did not leave the car ...
A: This is generally considered to be an uninsured loss, by an uninsured driver, who took the car ...
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| auto salvage rights | 12/22/2008 | Denise |
Q: I have a vehicle that is being totaled under collision coverage with a $1,000 deductible. I view ...
A: If the vehicle is a total loss, then you sign the title over to them. They get to do what they want ...
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| Proper way to transfer car insurance to new state | 12/22/2008 | Denise |
Q: I am writing with a question about the proper way to transfer car insurance and registration to a ...
A: I'm not from South Carolina, so I can't get into the technical aspects. Coverage on the auto policy ...
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| pit bull insurance | 12/21/2008 | Denise |
Q: can i find out if my neighbor has pit bull insurance. how can i find out who their carrier is. i'm ...
A: As far as I'm aware, there isn't a separate policy for dog liability. This comes under the ...
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| Proper way to transfer car insurance to new state | 12/20/2008 | Denise |
Q: I am writing with a question about the proper way to transfer car insurance and registration to a ...
A: There are two issues. One is the registering and titling of the vehicle. The other is the ...
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| Head on collision with drunk driver | 12/19/2008 | Denise |
Q: I am a truck driver and was involved in a head on collision with a drunk driver. I had zero fault in ...
A: If you didn't have physical damage insurance coverage on your truck, then you will have to sue the ...
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| I was driving my friends got and got in a car accident | 12/19/2008 | Bennie 719 |
Q: I was driving my roommates car home this morning and got into a car accident. I was stopped at a ...
A: Unfortunately, there was some bad judgement on your part. A car that is only 8 car lengths away ...
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| SR1 possibly never filed | 12/18/2008 | Denise |
Q: January 1997 I was in in an accident in California where I was the only one driver/vehicle involved ...
A: It sounds to me like you have two issues. One is the title of the vehicle. Since you didn't have ...
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| Insurance company does not want to pay my car damages | 12/18/2008 | Denise |
Q: My wife with my 10 month old baby pulled out of a parking spot, when she had turned the wheel to go ...
A: I take it that you have liability only coverage on your vehicle, so your insurance isn't going to ...
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| truck fire-gap insurance | 12/17/2008 | Denise |
Q: My husbands truck recently caught fire and was totaled. My daughter who was responsible for ...
A: If the policy was lapsed, you don't have any recourse against the policy, and GAP coverage wouldn't ...
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| Multi-family house fire and subrogation | 12/17/2008 | Denise |
Q: My tenants were the cause of a fire at my multi-family home, resulting in a total loss of the ...
A: As to question #1, yes, this allows Allstate to go after your former tenants. The are entitled to ...
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| They keep denying my claim | 12/17/2008 | Denise |
Q: I purchased a home in Detroit Michigan on October 29 2008, on recommendation from my realestate ...
A: I would suggest contacting your state's insurance commissioners office, and make a written ...
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| Uninsured property damage | 12/17/2008 | Denise |
Q: I was hit by an uninsured motorist. I carry only liability and uninsured motorist injury coverage. I ...
A: I believe that you will need to make a claim in small claims court for the damage. Also, you should ...
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| Auto insurance | 12/16/2008 | Denise |
Q: My vehicle was hit by a rental co.car and I am making a claim to Avis for storage fees after my ...
A: The best way to do that would be to make a written complaint to the Insurance Commissioners office. ...
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| auto salvage rights | 12/16/2008 | Denise |
Q: I have a vehicle that is being totaled under collision coverage with a $1,000 deductible. I view ...
A: Your deductible is doesn't have anything to do with the salvage value. It is purely your share in ...
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