| Subject | Date Asked |
|
| Taxi accident | 8/27/2009 |
Q: I have a question. I have been in the taxi accident not too long ago (July 22, 2009) and I had a ...
A: if you do not have enough information written down regarding the license plate, name of the taxi ...
|
| Rental Car Damage | 8/27/2009 |
Q: I recently rented a car in Missouri and got in a wreck. The car was not "totaled" by definition, so ...
A: this request on the part of the rental company is somewhat akin to what they commonly call "down ...
|
| Auto Accident Investigations | 8/27/2009 |
Q: I was hit on the right rear tire / quarterpannel of my car on a multi-lane street by a driver ...
A: the driver through his insurance company would be responsible for the deductible just the same way ...
|
| Deminished Value | 8/27/2009 |
Q: I was in a car accident a few months ago and my car was repaired by my insurance company, it's a new ...
A: if your insurance company did not total out the vehicle then it is obviously worth more than the ...
|
| Medicaid fraud/menatl health/false records | 8/27/2009 |
Q: They damaged me but I was too sick to file a claim for malpractice or the privacy of medical ...
A: you can search for a Malpractice Attorney in your area on-line or in the newspaper advertising. ...
|
| Private Health Insurance & Moving States | 8/27/2009 |
Q: Here is my situation. I am pregnant and unmarried. The baby is due in December. I am currently on ...
A: this question is a little out of my area but I will give it a shot anyway. Before you can get ...
|
| Follow up (my reply @ bottom)- Re: Filing Disability Claim/FMLA | 8/26/2009 |
Q: I was injured on the job, while working at my part time/seasonal position on 12/21/08. My doctor put ...
A: the best thing I can tell you to do is go ahead and file the late claim for disability benefits and ...
|
| lost policy | 8/26/2009 |
Q: My b/f was in an accident at the end of our driveway in aug 2006. He is still fighting to get a ...
A: I am assuming that if your boyfriend's Attorney wants the booklet your boyfriend must have been on ...
|
| Medicaid fraud/menatl health/false records | 8/26/2009 |
Q: They damaged me but I was too sick to file a claim for malpractice or the privacy of medical ...
A: there seem to be too many agencies against you for you to do any of this on your own. I suggest ...
|
| unemployment insurance | 8/26/2009 |
Q: Almost three months ago I was terminated from my job as a security officer in Colorado. I promply ...
A: now I see what occured in your case. The time statute for filing an objection to your claim for ...
|
| Driving with no insurance CA | 8/25/2009 |
Q: I was pulled over and got a fix-it ticket. But the thing is, it wasn't my car. I was driving a ...
A: I will need to know what you were pulled over and ticketed for and also what a "fix-it" ticket is ...
|
| Forced to add child to insurance | 8/25/2009 |
Q: Before my daughter had her lisence the insurance company sent a letter demanding her DL number and ...
A: I haven't heard of such a bullying and heavy-handed tactic in quite some time! Your insurance ...
|
| unemployment insurance | 8/24/2009 |
Q: Almost three months ago I was terminated from my job as a security officer in Colorado. I promply ...
A: this is a little confusing to me and I need some further clarification from you before I can give ...
|
| car accident | 8/24/2009 |
Q: My daughter was driving and I was a passenger in my mother-in-laws car driving to Corpus Christi, ...
A: you can expect DHL or their insurance company to send an adjustor to inspect the damages to your ...
|
| Car accident | 8/23/2009 |
Q: I was in a car accident July of 2008 and still out of work. I was the passager in the car. My friend ...
A: whether or not to proceed against your friend's personal assets is one that you and your Attorney ...
|
| Car accident | 8/23/2009 |
Q: I was in a car accident July of 2008 and still out of work. I was the passager in the car. My friend ...
A: if you did not have insurance yourself which was for higher monetary limits than were on the vehicle ...
|
| Hit-and-run accident | 8/22/2009 |
Q: I was driving on a bridge and spotted a cyclist 40 meters ahead of me. So I slowed down. There was a ...
A: I find it preposterous that the Police Dept. does not have access to the insurance information ...
|
| Lien release | 8/21/2009 |
Q: My husband purchased a vehicle from a neighbor years ago. The person had a loan with EAB that was ...
A: it seems to me that you are chasing the wrong people at this moment. When your husband went to the ...
|
| Fenderbender in van with drivers permit no insurance | 8/21/2009 |
Q: I unfortunately had a fenderbender as I was directions in front of a general discount store and was ...
A: I suggest that you do nothing at this time until you receive something in writing on Allstate ...
|
| collision-free accident | 8/21/2009 |
Q: My son was first in line at a red light. He moved his car forward while the light was still red but ...
A: in my opinion that insurance adjustor is taking the path of least resistance given the circumstances ...
|
| Filing Disability Claim/FMLA | 8/19/2009 |
Q: I was injured on the job, while working at my part time/seasonal position on 12/21/08. My doctor put ...
A: before you start attempting to file a late claim I suggest that you call your current company and ...
|
| Property Damage | 8/19/2009 |
Q: While my family and I were away on summer vacation, my next door neighbor decided to spray paint his ...
A: by all means contact your homeowner's insurance company and allow them to come over and inspect the ...
|
| Fenderbender in van with drivers permit no insurance | 8/19/2009 |
Q: I unfortunately had a fenderbender as I was directions in front of a general discount store and ...
A: It sounds to me that the person who called you was not from any insurance company due to the lack of ...
|
| Auto Accident Investigations | 8/18/2009 |
Q: I was hit on the right rear tire / quarterpannel of my car on a multi-lane street by a driver ...
A: it seems to me that your insurance company doesn't want to waste any money and time to fight on your ...
|
| Sold twice still liable? | 8/18/2009 |
Q: I sold a car for $200 nearly 3 years ago. Signed over the title and we signed a bill of sale. ...
A: I knew that this was probably the case. That insurance company traced the vehicle back to you ...
|
| Sold twice still liable? | 8/18/2009 |
Q: I sold a car for $200 nearly 3 years ago. Signed over the title and we signed a bill of sale. ...
A: If you turned in your plates when you originally sold the vehicle then I suggest you contact the ...
|
| I hit a car trying to pass as I backed out of a parking space. | 8/17/2009 |
Q: After checking if it was safe, I was backing out of a parking space, when I got over half way out I ...
A: Unless you can find an independent eyewitness to this event who will say that the other driver was ...
|
| No insurance | 8/16/2009 |
Q: My Jeep was parked on the side of the road. Another driver came by and smashed into the back of it. ...
A: the only course of action open to you since you do not have any collision insurance is to obtain at ...
|
| Left turn accident | 8/15/2009 |
Q: I was driving back from shopping when came to a red light in the intersection I was supposed to turn ...
A: without an independent eyewitness to give a statement to the police regarding the lights I am afraid ...
|
| property damage | 8/9/2009 |
Q: I had a dead branch fall off my tree during a storm and damage my neighbor's fence. The tree is in ...
A: so your insurance company has effectively "thrown you under the bus"? Call them up immediately and ...
|
| property damage | 8/9/2009 |
Q: I had a dead branch fall off my tree during a storm and damage my neighbor's fence. The tree is in ...
A: the best thing to do in this case is to send the summons to your homeowner's insurance company for ...
|
| Alchoholic Uninsured Driver | 8/8/2009 |
Q: I actually have two related items. 1)My Uncle recently passed. His son who is an alchohalic is now ...
A: as far as the estate is concerned there should be no problem because none of your uncle's assets ...
|
| car accident. | 8/5/2009 |
Q: if vehicle one is traveling east and there's a vehicle2 traveling west. vehicle 1 decides to make a ...
A: in left turn cases it is almost always the turning driver who is totally or mostly at fault legally. ...
|
| Gift Car | 7/31/2009 |
Q: Hey Richard, So here is my situation. My husband's Grandmother died and left everything to my ...
A: this is really an estate question and not one of insurance but I have dealt with estates personally ...
|
| Rental violation | 7/28/2009 |
Q: I have a rental fleet and a vendor violated a local business license by vending in an area in which ...
A: I couldn't agree with you more as far as general common sense goes. However, I suggest that you ...
|
| Insurance costs after a dui | 7/28/2009 |
Q: My son got into an accident and was arrested for a DUI in New York. Our car insurance quadrupled. ...
A: driving while intoxicated might have meant the loss of driving priviledges{license suspension or ...
|
| hit by an opened door in a parking lot | 7/26/2009 |
Q: Yesterday, I went to Barnes & Noble, I saw an empty space in the front parking lot of the bookstore. ...
A: after looking at the photo you sent showing the damage and point of impact I would have to change my ...
|
| Shopping Cart | 7/25/2009 |
Q: I was at BJ's ready to pull out of my stall. I was parked behind the Shopping cart holder, when ...
A: you might attempt a small claims court suit against BJ's and actually get them to settle for ...
|
| WHAT TO DO? | 7/24/2009 |
Q: ON NOVEMBER OF '08 MY CAR WAS HIT BY A NON INSURED MINOR WHO HAD NO LICENSE. HE HAD STOLEN A LEXUS ...
A: I am sorry to hear about your predicament. The insurance company for the Lexus owner is off the ...
|
| auto accident - loss of a vehicle in family | 7/23/2009 |
Q: My daughter-in-law was involved in an auto accident. Facts: 1. 84 year old man pulled out in ...
A: when the vehicle was paid off as being "totalled" that part of the claim was over and the money ...
|
| Insurance lapse in Maryland | 7/23/2009 |
Q: I have recently received a bill from the state of Maryland in the amount of $1700 for a vehicle I ...
A: welcome to the wonderful world of Maryland's haywire, runaway DMV computer program. Please read ...
|
| life insurance cancelled and reinstated | 7/23/2009 |
Q: Richard, I live in CA and my life insuranse was cancelled by mistake by the company and is now ...
A: since the insurance company found out about their mistake I am sure that in their opinion they would ...
|
| My car was totaled by a non insured driver | 7/21/2009 |
Q: I was recently in an accident that was not my fault. The young man who hit me has no insurance. My ...
A: about the only thing to do here is to obtain estimates of the property damage, outstanding medical ...
|
| total loss | 7/18/2009 |
Q: I live in Florida and I was driving my BMW 750li while on vacation in Michigan and had an accident. ...
A: the answer would depend on whether or not the two States have what is known as "reciprocity" ...
|
| Car sale and MVA | 7/18/2009 |
Q: Back in July, 2008, I sold my car in Maryland to CarMax and my family and I moved to Thailand. Now ...
A: I can tell you exactly what is going on and if you look at my previous answers regarding the ...
|
| totalled car | 7/16/2009 |
Q: If your car is totaled from a hail storm I hear you have a right to buy it back? At what percent ...
A: if your vehicle became totalled out by your insurance company they would either allow you to keep it ...
|
| How can I cover my teenage driver when with her father? | 7/15/2009 |
Q: My duaghter got her temporary driving permit in Wisconsin. In this state it is not mandated to have ...
A: the answer to your question lies with the language in your auto policy itself. If the coverage ...
|
| penalty for no insurance | 7/13/2009 |
Q: i was recently (march 11 ) in a accident and my vehicle struck 3 parked cars. i was not driving but ...
A: as far as the penalty for not being insured in Ohio goes you would be better served by visiting the ...
|
| hit by an opened door in a parking lot | 7/11/2009 |
Q: Yesterday, I went to Barnes & Noble, I saw an empty space in the front parking lot of the bookstore. ...
A: I do not know who the person is that said the insurance company will call this a strictly no-fault ...
|
| uninsured driver hits my car | 7/11/2009 |
Q: I parked my car legally in front of my apartment complex on July 4th. The next day I found orange ...
A: Forget about the State because they were in no way responsible for the damages to your vehicle. ...
|
| Accident While Reversing In Parking Lot | 7/9/2009 |
Q: I was recently involved in an accident in parking lot where I had driven into one of the lanes to ...
A: perhaps 60/40 in your favor but no more. The problem is that you were driving against the flow of ...
|
| Moving truck | 7/9/2009 |
Q: Hey Richard, my mother in law's car was hit by a Moving companies' truck. it ripped off half of the ...
A: Lingat, did the neighbor happen to take a picture of the moving van's license plate? If so then you ...
|
| Collision | 6/12/2009 |
Q: My car was hit and insurance company accepts fault of their insured. My car was salvaged and ...
A: the insurance company goes by the book value of the exact type, mileage and year as the one which ...
|
| Excluded driver accident | 6/12/2009 |
Q: Four months ago I was involved in a parking lot accident. I only backed up from my space less than ...
A: what is it with California? I have never heard of any State which has laws forbidding a defendant ...
|
| insurance for swimming pool in NYC | 6/12/2009 |
Q: I am helping a friend of mine who wants to set up his own swimming teaching business in NYC. he is ...
A: are he considering erecting a pool on his own property? If so then I suggest that he run this ...
|
| who is at fault in claims? | 6/12/2009 |
Q: i was backing out of my parking spot, i checked my mirrors before i started backing out as i was ...
A: first of all stop doing any negotiating with these people at once! They will only look to soak you. ...
|
| insurance investigation | 6/12/2009 |
Q: I backed into my neighbor's car and my insurance company is now doing an investigation of the ...
A: You are perfectly within your rights to refuse such records! By not giving them this requested info ...
|
| Health insurance - should i fight for that | 6/11/2009 |
Q: My child was recommended to have speech therapy, parent consulted pediatrician who approved and send ...
A: if you do not think that you will get a fair shake in arbitration then why not sue in small claims ...
|
| motorcycle accident | 6/11/2009 |
Q: I was hit by a car while riding - it was the car driver fault and I have the police and accident ...
A: does the police report list the driver as the owner or some company? Why not send the driver a ...
|
| Continue to small claims or settle? | 6/10/2009 |
Q: I live in California, and I have a small claims this coming Friday. I am suing for $7,500 (max in ...
A: my best suggestion is for you to either call or visit the Small claims Court and ask to speak to the ...
|
| Car Payment Responsibility with only Liability Insurance | 6/9/2009 |
Q: My daughter wrecked her car that we were paying for, but she only had liability and she should have ...
A: the car dealer can start by ruining the credit of your daughter and also yourself because they are ...
|
| drove a friends car, parked it, and it got totaled. | 6/8/2009 |
Q: I was recently house sitting for a friend while she went on vacation. She lives in a seedy ...
A: why in heaven's name did you even pay the $8,000 for the vehicle is beyond me. what your friend ...
|
| Health insurance - should i fight for that | 6/8/2009 |
Q: My child was recommended to have speech therapy, parent consulted pediatrician who approved and send ...
A: I do not see much of a problem here and certainly nothing for you to do. It is up to the provider ...
|
| motorcycle accident | 6/7/2009 |
Q: I was hit by a car while riding - it was the car driver fault and I have the police and accident ...
A: on the police report there should be a box which contains the State's insurance code assignment ...
|
| motorcycle accident | 6/7/2009 |
Q: I was hit by a car while riding - it was the car driver fault and I have the police and accident ...
A: since you do not have collision coverage I doubt that your insurance company will offer any ...
|
| Damaged car while at a resort | 6/5/2009 |
Q: We own a resort in NY and a guest that stayed with us damaged her vehicle. While driving down a ...
A: the person with the damaged vehicle will not have a valid claim against your resort unless they can ...
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| Rear Ended by NY Taxi - Hit and Run | 6/1/2009 |
Q: On 5/30/2009, I was driving towards JFK on Grand Central and was rear ended by a Taxi driver. The ...
A: the first thing to do is to file a police report immediately giving them a full disclosure of how, ...
|
| Short Term Disiablity | 5/31/2009 |
Q: I have been getting a check from a private company but it has not been my full salary on 60 percent ...
A: by private company I am assuming that you are still receiving the checks from your own employer or ...
|
| Hit and Run | 5/31/2009 |
Q: My car was hit in traffic and afterwards the driver of the other vehicle drove off.. I was able to ...
A: first thing to do is to obtain a copy of the police report because there should be a box which has ...
|
| Double accident | 5/30/2009 |
Q: My daughter's car was hit by another car causing front end damage. She put on her hazards and ...
A: I will need to know how the initial accident occured before I can answer this question fully. It ...
|
| Getting dropped for filing two claims within 3 years of each other? | 5/28/2009 |
Q: I have State Farm as my insurance carrier, both auto and home. In 2003 I had Renter's Insurance, and ...
A: it was most likely the bank that told you that property insurance was mandatory but it really ...
|
| Getting dropped for filing two claims within 3 years of each other? | 5/27/2009 |
Q: I have State Farm as my insurance carrier, both auto and home. In 2003 I had Renter's Insurance, and ...
A: which State has a law that makes property insurance mandatory? Auto insurance yes, but property ...
|
| Getting dropped for filing two claims within 3 years of each other? | 5/26/2009 |
Q: I have State Farm as my insurance carrier, both auto and home. In 2003 I had Renter's Insurance, and ...
A: I couldn't agree with you more but the thing is an insurance company is a business and is out to ...
|
| stolen uninsured honda | 5/20/2009 |
Q: I reside in California, and my car was stolen several weeks ago. It has yet to be recovered, even ...
A: this is one of the worst situations any questioner has sent me in the 15 or so years I have been ...
|
| Parking Lot Accident | 5/20/2009 |
Q: I was driving through the school parking lot, and someone pulled out and she hit me. Who is at fault ...
A: as long as you were occupying a moving lane of traffic and were not speeding then the driver who was ...
|
| perso driving my car ,had a wreck and got a ticket ,my car was the only one involve d | 5/20/2009 |
Q: if the person got the ticket, can he/she sue for pain and suffering?
A: technically the injured person could sue because anyone can sue anyone else for anything but in this ...
|
| Car Insurance | 5/19/2009 |
Q: My 19 year old son moved out of my house. He is on my automobile insurance, but gets a separate ...
A: as long as your son is still listed as beng domiciled in your house and does not have a seperate ...
|
| Deceased owner of car with EAB bank | 5/18/2009 |
Q: My mother-in-law passed and owns a vehicle that had a lien on it from EAB. Citi has no record of ...
A: have you looked through all of your mother in law's private documents and in the glove compartment ...
|
| vehicle damaged while parked | 5/18/2009 |
Q: My car was hit while it was parked now the insurance wants to pay me off as a TOTAL LOST. I just ...
A: In the past I have answerred this type of question many times because this problem of the vehicle ...
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| Hit and run | 5/11/2009 |
Q: I was involved in a hit and run accident, the other driver caused the accident, and left the scene, ...
A: my best advise for you is to proceed with your claim against the other owner and his insurance ...
|
| Judgement - auto negligence | 5/7/2009 |
Q: Richard, In 2004, when I was 18, I was charged in an accident. I drove my boyfriends car and he nor ...
A: the first thing you will have to do is to gather up your proofs of current residence to have this ...
|
| Wrong person listed as insured | 5/2/2009 |
Q: I noticed on my auto insurance renewal policy that my insurance company, for an unknown reason, ...
A: I would not get all worked up about this seeming clerical error on the part of either your insurance ...
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| insurance responsibilities | 4/30/2009 |
Q: I was in an no fault accident yesterday in which the hood latch became detached. Both drivers have ...
A: insurance companies do not act as fast as you seemingly would like them to. I do not see how you ...
|
| Auto Insurance in NYS: Question About Household | 4/28/2009 |
Q: I am a young male in New york State. I have just purchased my own car, and have also recently moved ...
A: the operative word in the statement made by Beth was "the standard carriers". There are no N.Y.S. ...
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| Auto Insurance in NYS: Question About Household | 4/28/2009 |
Q: I am a young male in New york State. I have just purchased my own car, and have also recently moved ...
A: I may be incorrect but I do not know of any N.Y.S. law which would force you to list any other ...
|
| private parking lot | 4/27/2009 |
Q: In a parking lot at a strip mall, is it illegal to park where it says no parking on the pavement? ...
A: since a strip mall parking lot is not a public roadway or parking area it cannot be "illegal" to ...
|
| car insurance | 4/27/2009 |
Q: So I when to court and the case was dismissed because my ex never show up, but he sue my insurance ...
A: you MUST give your insurance company the statement that they are requesting or else they will say ...
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| Underage liability issue | 4/26/2009 |
Q: My 17-year-old son had permission to drive his friends car June 2008 in Washington State. The friend ...
A: given the circumstances you are discribing I would suggest that you do nothing at this time except ...
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| Underage liability issue | 4/23/2009 |
Q: My 17-year-old son had permission to drive his friends car June 2008 in Washington State. The friend ...
A: first thing would be to contact the friend and ask if they received any type of paperwork from ...
|
| Reposessed vehicle liability | 4/22/2009 |
Q: My fiance co-signed, for her ex-husbands suv. She maintained insurance on the vehicle, he failed to ...
A: in my opinion he company that was doing the repossessing is totally on the hook for this event ...
|
| Lapse in coverage for Auto | 4/7/2009 |
Q: I was mandatory evacuated from my home after fires ravaged the area Nov 15th-18th. AAA covers my ...
A: My heart goes out to you for all of the woes that you have endured but the way I see it AAA had ...
|
| boyfriend parks my car in neutral & it rolls back into another parked car | 4/5/2009 |
Q: My boyfriend parked my car at my mom's house. He accidentally left the car in neutral, and after he ...
A: there is no law that forces a licensed driver to have an insurance policy unless he owns a vehicle. ...
|
| Liability for a fallen tree | 4/3/2009 |
Q: I saw a question simialr to my question & I want to verify that it applies to my situation. Near my ...
A: the neighbor would be responsible for the damages and perhaps even the clearing up of the tree but ...
|
| getting a Duplicate Tittle dispite a lien holder. | 4/3/2009 |
Q: My car was totaled by the insurance co. I need a duplicate tittle from the DMV but can't get it ...
A: about the only thing that comes to mind in this matter would be for you to explain this mess to the ...
|
| who is at fault | 4/2/2009 |
Q: Who is at fault or what percentage of fault? A truck was traveling north on a six lane avenue with ...
A: by the way I am picturing this event and in light of what the independent witnesses are saying it ...
|
| ROAD INCEDENT | 4/2/2009 |
Q: AND WAS ABOUT A METRE PAST THE GIVE WAY SIGN AND WAS HIT BY A SPEEDING DRIVER IN A 30 MPH AREA WHO ...
A: it is impossible for me to give you an answer to this question because I cannot envision how this ...
|
| Unemployment insurance question | 4/1/2009 |
Q: I was laid off from my full-time position by no fault of my own in December. At the time, I had a ...
A: one job has nothing to do with the other. You had a full time job which due to reasons outside of ...
|
| Unemployment insurance question | 3/31/2009 |
Q: I was laid off from my full-time position by no fault of my own in December. At the time, I had a ...
A: the only job loss that would entitle you to unemployment insurance benefits is the full-time one ...
|
| Reimbursement | 3/31/2009 |
Q: Does the insurance company use Blue Book RETAIL or TRADE_IN when reimbursing us for a car that was ...
A: they usually use whichever is cheaper. Try Carfax or Edkins to get other estimates. Generally ...
|
| Water leak | 3/27/2009 |
Q: Water leaked from my sink into my below me neighbors apt. I do not have insurance. We both are ...
A: the owner wants to have his cake and eat it too. Hopefully when you settled with the insurance ...
|
| Mercury Insurance | 3/26/2009 |
Q: Mercury Insurance has claimed a lapse in my policy, after a 6 week "review" and has denied a claim, ...
A: get your estimates of what the claimed damages will cost, copies of all your proofs and copies of ...
|
| "Occupied" vs. "usual course of business" | 3/25/2009 |
Q: A friend of mine was a long haul trucker working for a local trucking company (as an employee not an ...
A: unfortunately I personally do not have access to the sort of research material necessary for finding ...
|
| In a parking lot, our car was parked...she hit us | 3/25/2009 |
Q: My husband and I had just parked in a shopping center parking lot. My husband was in the driver ...
A: if your doors were alresdy open as you both claim then the driver of the moving vehicle had the duty ...
|
| at fault? | 3/24/2009 |
Q: i was making a left turn into a 7-11 driveway entrance, my question is i had to cross a double ...
A: in my opinion you should obtain an estimate and deal privately with the other driver for 75% of the ...
|
| Who's fault - Driver taking left OR Driver with no headlights | 3/24/2009 |
Q: I was in a car accident 2 weeks back in Detroit, MI around PM. I was going straight and the other ...
A: John, the answer to part one is that you were more than 50% at fault because by driving without ...
|
| Who's fault - Driver taking left OR Driver with no headlights | 3/24/2009 |
Q: I was in a car accident 2 weeks back in Detroit, MI around PM. I was going straight and the other ...
A: the only way you could possibly have a case is if there is no mention of no headlights in the police ...
|
| In a parking lot, our car was parked...she hit us | 3/23/2009 |
Q: My husband and I had just parked in a shopping center parking lot. My husband was in the driver ...
A: besides the fact that there are two of you to give one side to the event versus only one to rebut it ...
|
| mva | 3/22/2009 |
Q: I had a vehicle almost 4 yrs ago that broke down on me. I had it towed couldn't afford to get it out ...
A: you should easily be able to track down that vehicle by its VIN number by using Kelly Blue Book, ...
|
| partial self employment | 3/21/2009 |
Q: I will be completing a 23 wk. job of seasonal employment, on 4/18/09. When that job ends I will be ...
A: once you are in the private sector as an independent contractor there is no further unemployment ...
|
| Fender Bender | 3/20/2009 |
Q: I was involved in a fender bender. No injuries, minor damage (less than $500) but a police report ...
A: without knowing exactly how the event occured I cannot give you an accurate answer to this question ...
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| Minor Private Parking Lot Accident | 3/19/2009 |
Q: I was leaving work on my lunch break 2 days ago and was backing out of my spot. I wasn't even past ...
A: as long as you already notified your insurance company of this event then this is the way to go. ...
|
| Ambulance asking for additional paymnet | 3/19/2009 |
Q: I had an accident and an ambulance company came to my aid. I was fully insured and my insurance ...
A: the answer to this question lies with the bill itself and any paperwork that you filled out or had ...
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| auto accident | 3/17/2009 |
Q: My daughter was sideswiped and there was a witness who saw the whole thing. the witness told the ...
A: I receive these types of questions all of the time and the answer is to do some hard negotiating and ...
|
| Am I liable and to what extent? | 3/15/2009 |
Q: here's the deal. My nephew is wanting to pick up the notes on our vehicle, the vehicle will still be ...
A: this is a bad idea whose time will never come! In any accident that would be the fault of your ...
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| medical deductible | 3/13/2009 |
Q: I live in Colorado where they did away with no-fault insurance. Don't know it that affects your ...
A: if Colorado has done away with no-fault coverage then it would be the at-fault driver's insurance ...
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| Accident Private Property | 3/12/2009 |
Q: My son was involved in a two car accident. He turned off a main street onto a two-way access ...
A: you should be able to find out more on the vehicle and traffic laws from your nearest Dept. of Motor ...
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| Accident Private Property | 3/12/2009 |
Q: My son was involved in a two car accident. He turned off a main street onto a two-way access ...
A: the other driver is 100% at fault in this event because the rules of VTL are very specific on an ...
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| NJ MVA auto insurer | 3/11/2009 |
Q: I have a MVA claim since the accident December 1, 2006. My Auto Insurer, Geico, has still not paid ...
A: they haven't paid out on the wage claim since December of 06??? What kind of an attorney did you ...
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| Personal Auto Insurance | 3/9/2009 |
Q: If an insured vehicle hits a bicyclist and runs him over, does the insured vehicle's insurance pay ...
A: for the most part the no-fault provisions of the driver's insurance policy call for that vehicle to ...
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| Sebregation | 3/6/2009 |
Q: My husbands company has a sebregation rule to their medical plan where the carrier is not allowed to ...
A: I believe that what you are asking about is subrugation rights. What this means is that the health ...
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| stolen truck | 3/5/2009 |
Q: A friends truck was stolen from a dealership after having some maintenance. The thief was actually ...
A: if your friend has comprehensive coverage on the truck then he should file a claim with his ...
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| parents -child | 3/4/2009 |
Q: I was told that by law - when somesone sues the child(under 18) for an auto accident while driving ...
A: to the best of my knowledge the parents are always responsible for any damages caused by a minor ...
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| stolen car we are innocent | 3/4/2009 |
Q: my car was stolen from a shopping center parking lot we reported it to the police. then after 23 ...
A: this entire mess sounds fishy to me. You should either hire an Attorney to sue your insurance ...
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| hit after backed up | 3/3/2009 |
Q: I was recently in a car accident that left my rear end demolished. I was backing out of my parents ...
A: If your vehicle was moving into the roadway then VTL laws are against you. It is always the duty of ...
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| Door opened in front of me | 3/3/2009 |
Q: I was driving on a one-way street then turned left on to a narrow two-way street. As i was turning I ...
A: the woman is obviously wrong because under VTL it is illegal to enter and discharge anyone from the ...
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| To remove an EAB (European American) bank lien | 3/2/2009 |
Q: I received a 1993 Pontiac Bonneville from a family member residing in New York last year and ...
A: this seems like a computer age nightmare but but there has to be a solution to it which will remedy ...
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| a man hit the supermarket carts in my car | 2/27/2009 |
Q: A man who stole the supermarket escaped and when he was chasing by the supermarket manager, he ...
A: the only way that the supermarket would be liable here would have been if one of their employees had ...
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| accident with a rented car no complementary insurance taken | 2/27/2009 |
Q: I am Spanish and last year I rent a car in EEUU during my holidays and I did not take the ...
A: forget about the credit card company because at best they would only pay for the time that the ...
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| Uninsured Motorist backed into me | 2/26/2009 |
Q: Ok, on Monday Feb. 23rd 2009, I was out of town on Vacation, I lent my girlfriend my car while I was ...
A: as long as you had full coverage insurance I am assuming that you had collision insurance. The ...
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| Accident happen in 9/15/1990-Insurance Lapse | 2/26/2009 |
Q: At the time I was 21yrs in the Navy,my insurance had lapsed for 2 days and had an accident in New ...
A: now I know the entire problem and it seems to be one that can and should be negotiated by both ...
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| parking lot accident | 2/25/2009 |
Q: I am in arkansas I was parked at hayes grocery in front of the store where I was shopping, when I ...
A: unfortunately I tend to agree with the store on this one. There is no way of telling who it was ...
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| Accident happen in 9/15/1990-Insurance Lapse | 2/25/2009 |
Q: At the time I was 21yrs in the Navy,my insurance had lapsed for 2 days and had an accident in New ...
A: sorry to hear about this dilemna. Before I can formulate a plan for you to settle this mess and ...
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| What is considered an at Fault insurance claim? | 2/20/2009 |
Q: Just received a letter from my insurance company (Erie) telling me I had been in four at fault ...
A: I think that the term "at-fault" is being used incorrectly by your insurance company. They are ...
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| My car was hit and I don't know what to do... | 2/18/2009 |
Q: My new car was hit in the parking lot of my doctor’s office while I was getting treatment. When I ...
A: you had better do something and pronto because since you haven't heard anything from the at-fault ...
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| NYS STD | 2/17/2009 |
Q: My husband's Dr. put in for disability for him starting january 2nd (he submitted the form January ...
A: 1 month is not such a long time to wait in a matter such as this due to budget cuts etc. but if you ...
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| collision or comp | 2/17/2009 |
Q: I live in Mich. Last night a car came up over the curb into my front yard and struck my car while ...
A: unfortunately I do not have an insurance related answer for you. Comprehensive coverage is ...
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| Terminated today on disability | 2/17/2009 |
Q: I have been on total disability since 10/22/08 with several back problems which became severe and I ...
A: the only way that you might be able to and be eligible for unemployment benefits would be if your ...
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| Insured car at fault | 2/15/2009 |
Q: I hit a car when they turned in front of me at an intersection where we both had a green light. I ...
A: in most States you do not need an Attorney and also in most States you cannot use an Attorney in ...
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| Insured car at fault | 2/15/2009 |
Q: I hit a car when they turned in front of me at an intersection where we both had a green light. I ...
A: I might have known it was Allstate. Problem with them is that they have loads of money to spend on ...
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| Insured car at fault | 2/15/2009 |
Q: I hit a car when they turned in front of me at an intersection where we both had a green light. I ...
A: this is a typical insurance tactic which is relying on the premise that there is almost always some ...
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| at fault? | 2/11/2009 |
Q: i was drinking today and a car came out on me and she stop at the stop sign and just came right out ...
A: I was wondering about the drinking thing when I received and read your original question. The other ...
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| at fault? | 2/11/2009 |
Q: i was drinking today and a car came out on me and she stop at the stop sign and just came right out ...
A: the fact that you were drinking doesn't change the liability in such a matter but could cause you to ...
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| Accident with someone else's car. | 2/8/2009 |
Q: A number of years ago (when I was 17), my younger brother (who was 16 at the time) got into an ...
A: you are going to have to do some research on this issue regarding which insurance company covered ...
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| Car wreck | 2/7/2009 |
Q: I've been involved in a number of car wrecks, None of them my fault, but I live in a no fault state. ...
A: you filed claims for property damage and of course the medical bills but you insurance company has ...
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| Hit by a yellow taxi in NYC | 2/6/2009 |
Q: Three nights ago I was stuck by a yellow cab in NYC. I was crossing the street, had the right of ...
A: I most definately recommend that you file an accident report with the police dept. but find out as ...
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| Car wreck | 2/6/2009 |
Q: I've been involved in a number of car wrecks, None of them my fault, but I live in a no fault state. ...
A: when you say "they" paid my medical expenses I need to know if it was your own car insurance company ...
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| Hit by a yellow taxi in NYC | 2/6/2009 |
Q: Three nights ago I was stuck by a yellow cab in NYC. I was crossing the street, had the right of ...
A: without the benefit of knowing the license plate number, driver's name etc. you are going to have to ...
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| Wife's Accident | 2/5/2009 |
Q: I am hoping you can assist me in a small quandary I am in. Last March my wife was in an accident. It ...
A: if Virginia law bars a health care insurer from recouping payments that are due to an accident that ...
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| Wife's Accident | 2/5/2009 |
Q: I am hoping you can assist me in a small quandary I am in. Last March my wife was in an accident. It ...
A: any monies that were paid out by your medical insurance should be refunded to them by the at-fault ...
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| T-boned at intersection-worried about getting hosed on fault | 2/4/2009 |
Q: I was stopped at an intersection, with my wife in the passenger seat. The light turned from red to ...
A: the way I see this event is that the woman was distracted because of the cell phone conversation and ...
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| At Fault Accident, Not My Car... | 2/4/2009 |
Q: I was involved in an accident in South Carolina. While I was driving my mom's car (with her ...
A: my opinion is that as long as they accept and pay out on this claim your mom is going to be better ...
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| Motorcycle vs pedestrian | 2/4/2009 |
Q: Ive been trying to get information from lawyers to no avail. I was riding my friends Honda Goldwing ...
A: the best way to see if this indeed is a covered event under the man's homeowner's insurance policy ...
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| windshield | 2/1/2009 |
Q: My car is parked in my yard,next to my house. Ice slid off the roof and broke my rear windshield. ...
A: my best advice here is to file with both your homeowner's insurance and with your auto insurance ...
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| Hit and run question and failure to yeild ticket | 1/31/2009 |
Q: A few days ago i was pulling out of a driveway and stopped at the end and looked both ways. I was ...
A: there is no question in my mind that the woman intended to leave the scene of the accident but since ...
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| Determining Fault in a Car Accident | 1/30/2009 |
Q: I'm currently involved in a liability mess. I was driving home late one night, and I changed lanes ...
A: if you carry collision insurance then the easiest way would be to let your insurance company pay for ...
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| Determining Fault in a Car Accident | 1/30/2009 |
Q: I'm currently involved in a liability mess. I was driving home late one night, and I changed lanes ...
A: of course the insurance company for the drunk driver is trying to get out of paying! They know that ...
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| a state trooper hit my car | 1/29/2009 |
Q: a state troop tee boned me in my back bumper... statefarm insurance sent me a letter saying that our ...
A: now I see exactly what you are up against as I am sure you also know. It is the commonly called the ...
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| a state trooper hit my car | 1/29/2009 |
Q: a state troop tee boned me in my back bumper... statefarm insurance sent me a letter saying that our ...
A: now I understand your question a lot better. The question is What does that police report read? Is ...
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| hit and run | 1/29/2009 |
Q: i was driving my girlfriends car as i was pulling in to my driveway a truck hit us and then took off ...
A: as long as you had signalled your intentions to pull into the driveway the truck driver is at fault. ...
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| Accident, no insurance, rental car | 1/28/2009 |
Q: My rental car was hit whilst parked a few days ago. I did not take up the insurance so I took it to ...
A: frankly I am astonished that the rental car company did not ask you for your insurance information ...
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| Double parking - broken mirror | 1/27/2009 |
Q: I have borrowed someone's van to move stuff out of my apartment and I was driving in NYC. In a one ...
A: welcome the the good old U.S. of A. The best advice I can give you in this situation is to attempt ...
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| insurence claim | 1/26/2009 |
Q: my house recently burned down it is a total loss.the fire marshall said total loss and the cause is ...
A: this is really two questions arising out of the same event and claim. The papers that the insurance ...
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| parked car incident in a parking lot | 1/23/2009 |
Q: our car was parked in a lot in NJ (no fault state) and was hit while in the store. $1800 damage ...
A: hanks for your feedback and the nomination. Be thankful that you had collision coverage on your ...
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| parked car incident in a parking lot | 1/23/2009 |
Q: our car was parked in a lot in NJ (no fault state) and was hit while in the store. $1800 damage ...
A: unless the State of New Jersey changed it's auto insurance laws, which might be the case, the ...
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| Disabilty insurance law | 1/22/2009 |
Q: I was put on disability after having a knee surgery. My job is stressful and I would have to be ...
A: I think that you already know the answer to the question but are looking for someone to justify what ...
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| Guilty driver lying to police and insurance | 1/20/2009 |
Q: I had an accident: can in front of me ( I was with my husband ) backed to my car ( when I was ...
A: obtain a copy of the police report because the other driver would have had to produce his ...
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| Is "sueing" my only option? | 1/20/2009 |
Q: I live in New Hampshire & have a question. Recently had my car "totaled" by another driver who not ...
A: as far as your property damage is concerned the most you could obtain from the other driver's ...
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| Guilty driver lying to police and insurance | 1/19/2009 |
Q: I had an accident: can in front of me ( I was with my husband ) backed to my car ( when I was ...
A: before I can give you a course of action to follow I need to know if you made a report to the police ...
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| Renting a car after an accident | 1/19/2009 |
Q: i was in an accident that wasn't my fault. is the other person's insurance responsible for paying ...
A: in general the at-fault driver's insurance should be responsible for paying for the rental up to the ...
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| My Parked Car was hit on my friends property | 1/17/2009 |
Q: I had parked my car at my friends house while we went to a party. I left a little bit before my ...
A: the answer is YES to both questions. The damages to your vehicle were caused by the negligence of ...
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| pedestrian accident | 1/16/2009 |
Q: I was hit by a taxi cab in a crosswalk.I WAS THROWN OVER 20 FEET.I have a steel plate in my leg ...
A: in order to get to the fleet owner you are going to have to hire a Personal Injury Attorney who will ...
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| about insurance claim | 1/15/2009 |
Q: hey richard, I have had an accident recently, and the police could not admit whose fault it was, so ...
A: if the police report reads that both drivers were at fault or that the accident was unavoidable then ...
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| Car accident in Texas | 1/15/2009 |
Q: Good afternoon Richard, nice to meet you. I wanted to see if you could help with an issue I am ...
A: allow me to start out by saying that all of my experience in negligence law was in N.Y. and I am not ...
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| auto insurance lapse | 1/15/2009 |
Q: I stumbled upon a previous question that you answered regarding auto insurance lapse and the ...
A: unless you had proof that you either moved out of the State of Maryland or had a replacement ...
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| Unemployment Insurance | 1/14/2009 |
Q: I was fired from my current job in Queens NY and when I tried to file for unemployment, I found out ...
A: the first thing you should do is to check whether or not you received a W-2 form for tax purposes or ...
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| Hit from behind.Who is to blame? | 1/14/2009 |
Q: I was involved in an accident where i was hit from behind.Fortunatly i did not hit anyone .The ...
A: my opinion is that you should have filed a claim with both of the vehicle's insurance companies ...
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| Car accident in Texas | 1/14/2009 |
Q: Good afternoon Richard, nice to meet you. I wanted to see if you could help with an issue I am ...
A: the liability is in your favor merely because you were struck in the rear by the other vehicle but ...
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| Car accident in Texas | 1/14/2009 |
Q: Good afternoon Richard, nice to meet you. I wanted to see if you could help with an issue I am ...
A: you DO NOT have to settle anything! The claim and subsequest lawsuit is not over until you, as the ...
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| Disability/Unemployment/Disability Benefits, | 1/12/2009 |
Q: I was diagnosed with a terminal cancer two years ago and told my employer about it as I needed to ...
A: allow me to express my deepest sympathies for the ills that have befallen you. My advice to you is ...
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| rear end accident | 1/11/2009 |
Q: On a snowy day, I was driving on a residential street, came to a stop sign, stopeed and turned left ...
A: the only thing I can think of here is that you gave the insurance company too much information as ...
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| unemployment/disability insurance | 1/9/2009 |
Q: Can you apply for permanent disability if you are collecting unemployment?
A: certainly! If you have become disabled while on unemployment insurance then you should notify the ...
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| first time ive been in a incident. Deductible/paint work. | 1/8/2009 |
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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| Depreciation of Property Damage Caused by Auto | 1/7/2009 |
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 |
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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| Uninsured motorist | 12/2/2008 |
Q: I was struck by a car that ran a red light in Brooklyn, NY on 11/20/08 and I have a witness willing ...
A: forget all about anything in N.J. because the N.Y. courts do not have jurisdiction over there unless ...
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| backed into as pulling out of house parking lot | 12/2/2008 |
Q: I just moved into a private residence in Los Angeles, and was pulling out of the house's parking lot ...
A: now that I have seen the diagram I have a much better picture of the scene and how the event ...
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| reversing out of a drive way | 12/2/2008 |
Q: I was backing out of a driveway at the same time as the neighbour across the road and we hit ...
A: the other driver's insurance company can ask all they want because this is clearly a "non-event" as ...
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| Auto Insurance | 12/1/2008 |
Q: Is it legal to have someone that is not residing with me anymore on my auto insurance policy? I ...
A: it is legal to have an insurance policy with two people living at different places as long as both ...
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| backed into as pulling out of house parking lot | 12/1/2008 |
Q: I just moved into a private residence in Los Angeles, and was pulling out of the house's parking lot ...
A: without having the advantage of actually seeing the scene of the accident I can only say that you ...
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| HELP! My insurance Lapsed! | 12/1/2008 |
Q: I am in a grave situation. I recently had full coverage automobile insurance here in the state of ...
A: if the accident that you are referring to occured after you made the payment on October 30 then I do ...
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| Accident | 12/1/2008 |
Q: If you hit a car that was turning left but you did not know they were turning left because their ...
A: from what I can picture about this event it seems that you were in the process of overtaking and ...
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| car accident | 11/30/2008 |
Q: My husband took my car while I was sleep, had an accident. He was turning left and the other driver ...
A: your husband will most likely be found to have been at fault in the matter due to the fact that he ...
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| Ticket for Unregistered Vehicle | 11/30/2008 |
Q: I was just pulled over today because my car was not registered. I had no card at all to show him ...
A: the answers to these questions will lie with the DMV and they can answer them when they open. The ...
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| DEALER TAGS | 11/29/2008 |
Q: IS THE CAR DEALER ALLOWED TO DRIVE HIS VEHICLE WITH A DEALER TAG? ANSWER: Hi Heather, of course the ...
A: first place to look is at the insurance policy of the shop itself to determine who and what is ...
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| stolen liscense plate # | 11/28/2008 |
Q: My brother is a small business owner in TX doing "dirt work" using dump trucks, trailers and such. ...
A: it appears to me that either the person who alleges to have been involved in the accident wrote down ...
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| 3 car, head on accident | 11/26/2008 |
Q: Our family was involved in a 3 car accident, or so we were told. Our entire family didn't see a 3rd ...
A: I think that I see what happened now. The other driver is saying that a vehicle in front of you ...
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| please help | 11/26/2008 |
Q: About 2 months ago as i was going straight through a green light and a vehicle turned right into my ...
A: are you saying that the other vehicle made a left turn in front of you? This is the only way I can ...
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| stolen car, found, was in accident, mechanic denies everything | 11/25/2008 |
Q: I had a problem with the battery and asked a friend who sold me this car a few months ago to take a ...
A: if you mention to your insurance company that you gave the key to anyone they will deny your claim. ...
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| NY Insured, Maryland Hit and Run, UM denied, No-Fault Paid | 11/25/2008 |
Q: I hope you can help me. I and my family were in a hit and run, rollover accident on I-95N in ...
A: first off you can forget MVAIC because you have UM endorsements on your insurance policy, thus there ...
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| auto accident in AZ | 11/25/2008 |
Q: My daughter was recently rear ended and the other party has admitted fault. Her insurance company ...
A: I suggest that you check the value of the vehicle with Edmonds, Carfax and also Kelly blue Book to ...
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| 3 car, head on accident | 11/25/2008 |
Q: Our family was involved in a 3 car accident, or so we were told. Our entire family didn't see a 3rd ...
A: sorry for your unfortunate accident and my best wishes for a speedy recovery. From what I can ...
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| insurance | 11/24/2008 |
Q: I was driving a car that was not mine and got into an accident. It was my fault. there was insurance ...
A: if you were driving the vehicle with the full knowledge and consent of the owner then there is no ...
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| maternity coverage waiting period | 11/24/2008 |
Q: Richard, My husband and I added a maternity benefit to our insurance about 2 months ago. Our ...
A: without the benefit of being able to read the language in the actual contract I cannot give you ...
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| stolen car, found, was in accident, mechanic denies everything | 11/24/2008 |
Q: I had a problem with the battery and asked a friend who sold me this car a few months ago to take a ...
A: I do not see any way under the sun that you can obtain justice in this situation without that friend ...
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| Hit while parked in residential neighborhood. | 11/24/2008 |
Q: Saturday night I went to a friends house who that I had never been to before. I needed to grab a ...
A: sorry about your experiences with the surly drunk and his wife. If the area that you parked in was ...
|
| Subogation Letter | 11/24/2008 |
Q: I received a subrogation letter from an insurance company froma n accident that happened a month ...
A: you can call them but do not mention any of your potential plans on dealing with this or any guilt ...
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| Subogation Letter | 11/23/2008 |
Q: I received a subrogation letter from an insurance company froma n accident that happened a month ...
A: so this recent communication from the other driver's insurance company was not the first time you ...
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| HELP! My insurance Lapsed! | 11/23/2008 |
Q: I am in a grave situation. I recently had full coverage automobile insurance here in the state of ...
A: I realize that you are pretty shook up by this dilemma and with good reason but your question is ...
|
| Sunrogation Lettr | 11/22/2008 |
Q: I received a subrogation letter from an insurance company froma n accident that happened a month ...
A: how you answer this seeming attempt at extortion depends upon how the actual event occured. Do you ...
|
| Parked Car Collision | 11/21/2008 |
Q: I work at an after school program for elementary school kids in an urban school district. I was ...
A: you are liable for this event because your vehicle was left in a position where it was not securely ...
|
| My Insurance doesnt want to pay | 11/21/2008 |
Q: I was involved in a car accident over 5 months ago, to this day i still do not hae my car. I took ...
A: I am not sure that I am following this. Who was involved in the "litigation"? Did the shop sue the ...
|
| auto liability | 11/21/2008 |
Q: If I buy a car and it's purchased through a trust (i.e ABC Trust), and I am the driver and get into ...
A: in any type of auto negligence lawsuit both the driver and owner are named as co-defendants in the ...
|
| 2001 mini van | 11/19/2008 |
Q: in august my van got water in motor,i took to a mechanic my insurance co paid him for a motor for ...
A: anyone can sue anyone else for anything. The problem is being able to make the case have merit. ...
|
| Auto Accident | 11/18/2008 |
Q: My car was involved in a hit and run, the vehicles owner was later contacted after the vehicle was ...
A: before your insurance company pays out anything they usually find out if they have to by way of an ...
|
| Unemployment | 11/16/2008 |
Q: I just recently got temporarily laid off from my company. I am going back to work there in a few ...
A: I understand exactly what you are saying about your lay-off situation and agree that you should not ...
|
| Unemployment | 11/16/2008 |
Q: I just recently got temporarily laid off from my company. I am going back to work there in a few ...
A: in light of the current economic situation in America and the rest of the world there is no iron ...
|
| Insurance company won't pay for my car repairs | 11/16/2008 |
Q: I was rear-ended and the at-fault driver's insurance company won't pay for my car repairs because ...
A: this is the type of question that I dread. When my wife and I relocated to Florida four years ago ...
|
| auto carpet stain coverage vs small claims | 11/11/2008 |
Q: My eleven year old son was returning from a scouting trip in another parent's automobile (6-8 months ...
A: I am shaking my head over this as I answer the question. Why that idiot Judge did not see fit to ...
|
| Vehicle Accident | 11/11/2008 |
Q: Morning, On Sunday the 02 November at 11h39, a lady in my complex reversed into the front of my ...
A: by panel beater I assume you are talking about a body and fender or collision repair shop. What you ...
|
| auto carpet stain coverage vs small claims | 11/10/2008 |
Q: My eleven year old son was returning from a scouting trip in another parent's automobile (6-8 months ...
A: Whether or not the comprehensive insurance would cover such an event depends upon what is written ...
|
| my sons insurance..he left title in my name! | 11/9/2008 |
Q: My son was just in an accident here in FL. He had let his insurance lapse...I also found out the ...
A: when you say that you re-registered the vehicle for your son in August I am assuming that you merely ...
|
| car accident | 11/7/2008 |
Q: I was in a car accident and the person at fault had no insurance,Driver license,registration. I had ...
A: you go girl! Good for you. Now I suggest that you get your medical bills and Drs. notes together ...
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| Car accident | 11/6/2008 |
Q: My child was hit by a car by a gentleman who ran a stop sign. The gentleman was given a ticket, but ...
A: Your medical bills should be covered up to the limits of the at-fault driver's no-fault insurance ...
|
| No fault because DWI | 11/4/2008 |
Q: If no-fault has denied my hospital and other doctor bills (because of the DWI), can I submit to my ...
A: in my opinion your own health insurance would be responsible for the payment of the medical bills ...
|
| car accident | 11/4/2008 |
Q: I was in a car accident and the person at fault had no insurance,Driver license,registration. I had ...
A: I am going to need a bit more information before I can properly answer this question. What is the ...
|
| auto accident and driver points | 11/4/2008 |
Q: I was leaving a home builders store parking lot and a contractor was parked in the lot (he was in ...
A: when you say that you received a point on your driving record I am assuming that this involves the ...
|
| 3wk old Totaled Camry | 11/4/2008 |
Q: I leased a 09 Toyota Camry with a sale price of around $25k with $4500 down and no Gap insurance. ...
A: somehow I am not understanding this question. If a vehicle is worth $25K then how can it be ...
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| Auto Accident Rental Reimbursement | 11/3/2008 |
Q: Being the front car in a rear-end accident (in MD), the other driver's insurance is responsible for ...
A: before I can really make this clear I will need to know the exact grounds that the at-fault ...
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| property damage hit and run | 11/3/2008 |
Q: my vehicle was parked at my home and a girl turning around in my parking lot and hit the side of my ...
A: the first thing to do is to file this claim with your insurance company under the "collision" and ...
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| Left Hand Turn | 11/3/2008 |
Q: I was in an accident last week where I was turning left. There were two lanes of traffic and I was ...
A: I am having some trouble picturing this event in my mind. In general a person making a left turn ...
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| occasional driver | 11/3/2008 |
Q: I have an auto insurance policy with me and my wife listed as the only insured drivers. My daughter ...
A: this all depends upon your definition of the terms "sometimes" and "occasionally". If you mean once ...
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| Auto Accident Rental Reimbursement | 11/2/2008 |
Q: Being the front car in a rear-end accident (in MD), the other driver's insurance is responsible for ...
A: under most State's insurance laws the person's own insurance covers the use of a rental vehicle if ...
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| Auto Accident Rental Reimbursement | 11/2/2008 |
Q: Being the front car in a rear-end accident (in MD), the other driver's insurance is responsible for ...
A: I see the way that you are thinking on this subject but I have to agree with the insurance company ...
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| pay out | 10/31/2008 |
Q: Does an insurance company have a limit as to how long they can take to pay out a claim?
A: generally speaking they do have a time limit which varies from State to State. However this time ...
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| hit from behind | 10/30/2008 |
Q: I was hit from behind. The person who hit me said she was hit from behind and she was pushed into my ...
A: now I see this more clearly. Even though you did not hear the first impact you do know that there ...
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| Making a left turn | 10/30/2008 |
Q: Am I at fault? We were both headed north on a two lane highway. That has no middle line in this ...
A: without any eyewitnesses to this event and given the point of impact between the two vehicles it ...
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| hit from behind | 10/29/2008 |
Q: I was hit from behind. The person who hit me said she was hit from behind and she was pushed into my ...
A: before I can fully answer this question I am going to have to have quite a bit more information. ...
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| Car Stolen from Body Shop: Who Replaces???? | 10/29/2008 |
Q: I was having some repairs to my car done at a local body shop last month. I got a call ~3 weeks ago ...
A: I was only being facetious about your vehicle being unlocked. I do not see how your insurance would ...
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| Car Stolen from Body Shop: Who Replaces???? | 10/28/2008 |
Q: I was having some repairs to my car done at a local body shop last month. I got a call ~3 weeks ago ...
A: I would just LOVE to read the grounds for the denial of this claim! Are they saying that your ...
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| liability | 10/28/2008 |
Q: My 5 year old son started a fire in a house we were renting with no rental insurance. The landlords ...
A: unfortunately I do not see any way out of this for you. That insurance company will eventually ...
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| lying driver with car accident | 10/24/2008 |
Q: I was recently in a car accident with my Dodge Ram what I have put well over 15,000+ in aftermarket ...
A: I think that I have a good mental image of how this event occured and I am sure that the lady was ...
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| 17 year old driver | 10/23/2008 |
Q: I was recently told by our small town police officer, that if my 17 year old daughter drove after ...
A: this is an interesting question and would be subject to a lot of interpretation of the new statute ...
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| cancellation of truck insurance | 10/22/2008 |
Q: our insurance company is having us discharge four drivers for because of their driving records. ...
A: unfortunately in my opinion they do have the right to refuse to do further business with your ...
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| repair shop license | 10/21/2008 |
Q: Does NYS insurance law require a custom painter and air brush artist to hold a DMV repair shop ...
A: I do not see why an insurance company would refuse to underwrite a general liability policy under ...
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| New Condo Problems | 10/21/2008 |
Q: Are you an expert on the rights of condo buyers against a builder for issues such as building mould ...
A: it is not my strongest area. I have tons of experience in Workers' Comp, Disability, slip and fall ...
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| Sorry | 10/20/2008 |
Q: I have a very good driving record, but recently got a letter from the local police dept. saying my ...
A: no problem, it happens quite often to first time users of this site. Please do not worry about this ...
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| "Hit and Run" Parked Car | 10/19/2008 |
Q: I have a very good driving record, but recently got a letter from the local police dept. saying my ...
A: just allow your insurance company to handle the claim as they are doing and cooperate with them ...
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| Homeowners Premises Liability | 10/18/2008 |
Q: My son was invited to a home for an overnight stay/party by a minor child of the household. The ...
A: this doesn't change much except that any leverage you may have had to force the homeowner to file ...
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| premium reduction due to completion of MANYS course | 10/18/2008 |
Q: My Insurance agent says they will only honor vehicles registered in my name only even tho I am the ...
A: unless your wife can prove that she either completed the course or doesn't even have a driver's ...
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| Homeowners Premises Liability | 10/18/2008 |
Q: My son was invited to a home for an overnight stay/party by a minor child of the household. The ...
A: in my opinion that homeowner is fully responsible and liable for the damages. Not was it his ...
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| arbitrution | 10/17/2008 |
Q: I was hurt(badly) in a cab insured by American transit I was denied medical benefits do I need to ...
A: there is always some leeway regarding "timely denial" due to the time for mail to be sent back and ...
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| arbitrution | 10/17/2008 |
Q: I was hurt(badly) in a cab insured by American transit I was denied medical benefits do I need to ...
A: there is no time limitation on you to institute either an arbitration or a small claims court ...
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| arbitrution | 10/16/2008 |
Q: I was hurt(badly) in a cab insured by American transit I was denied medical benefits do I need to ...
A: this depends upon what monetary issues are involved. If you are still claiming lost wages or ...
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| Principally NOT at fault car accident | 10/16/2008 |
Q: I was involved in a car accident a few days back when a car rear ended me in a parking lot. I just ...
A: "principally not at fault" sounds like a sort of pleasant way of telling you that you might be ...
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| guideline book for temp. disabiltiy medical | 10/15/2008 |
Q: Do you know the name of the book that insurance vendors (ie: Metlife) use to look up how long a ...
A: if your State Ins. Dept cannot help then why not try the State Office of Unemployment? There are ...
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| tree branch fell on car | 10/15/2008 |
Q: Parked on my university campus, several tree branches fell and hit my car. The car does not have ...
A: since you do not carry colision coverage on your vehicle you will have to make a claim directly with ...
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| guideline book for temp. disabiltiy medical | 10/15/2008 |
Q: Do you know the name of the book that insurance vendors (ie: Metlife) use to look up how long a ...
A: I know what you are asking about but I think that the best source for something like it would be ...
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| Auto to motorcycle accident | 10/13/2008 |
Q: I was recently in an accident involving a motorcycle. I was stopped at a stop sign, the motorcycle ...
A: the fact that the biker did not have a license is a matter between him and the authorities and might ...
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| Auto to motorcycle accident | 10/13/2008 |
Q: I was recently in an accident involving a motorcycle. I was stopped at a stop sign, the motorcycle ...
A: about the best you can expect from this is a 50/50 split on liability because you had the traffic ...
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| Actual Cash Value | 10/8/2008 |
Q: I have always wondered what happens in the event of an accident where the insured has physical ...
A: if this claim is being paid under the collision coverages that the individual was insured for or ...
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| Liability for daughter hitting bicyclist | 10/8/2008 |
Q: My 23 year old step-daughter's car is in my name and covered in my auto insurance. Yesterday, she ...
A: as long as your insurance company knows that your step-daughter is insured with them under your ...
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| Courts | 10/8/2008 |
Q: My daughter & i were in a car crash in March. (other drivers fault). We told them we want to settle ...
A: this money should be in a bank account earning interest and it wouldn't matter if you moved to ...
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| insurance cancelled and still drove her car | 10/7/2008 |
Q: My daughters car insurance has been canceled. she is 20. She is still driving her car. She lives at ...
A: I strongly suggest that you rein in that "wild child" immediately or at least help her to obtain ...
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| Courts | 10/7/2008 |
Q: My daughter & i were in a car crash in March. (other drivers fault). We told them we want to settle ...
A: the courts are very strict about matters involving a minor. They vigorously defend and protect any ...
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| Unemployment Insurance Benefits | 10/7/2008 |
Q: I have just quit my part-time job at a retail store because of foot pain and hours of work. I am ...
A: somehow I do not think that you are pressnting this question to them in the proper manner or they ...
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| Unemployment Insurance Benefits | 10/6/2008 |
Q: I have just quit my part-time job at a retail store because of foot pain and hours of work. I am ...
A: giving up the part-time job does not have anything to do with being laid off from your full-time one ...
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| car crash | 10/6/2008 |
Q: My daughter was involved in a two car accident two weeks ago. She was traveling northbound and ...
A: the City you are referring to is correct that this is a 50/50 liability matter in light of the ...
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| Car accident | 10/5/2008 |
Q: My car was hit in the back bumper when my wife was stopped for a light. The party that hit her said ...
A: did your wife also get the license plate and insurance info? If so then just call the insurance ...
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| NY State Disability Insurance | 10/5/2008 |
Q: I work for a private firm which provides short term disability insurance through a private carrier. ...
A: I am astonished that the NYS Dbl bureau does not have a FAQ listing for this type of circumstance. ...
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| How to handle a Condo Water Damage Chaim? | 10/3/2008 |
Q: In the condo above mine, their refrigerator ice maker broke and flooded my ceiling & carpet. The ...
A: without actually having those by-laws in front of me to read I do cannot say with any certainty who ...
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| How to handle a Condo Water Damage Chaim? | 10/2/2008 |
Q: In the condo above mine, their refrigerator ice maker broke and flooded my ceiling & carpet. The ...
A: the first thing that you should do is check with an insurance company regarding the matter of ...
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| Unemployment benefits | 9/29/2008 |
Q: We recently had one of our employees test positive for an illegal drug on random drug test. Per our ...
A: the applicant is entitled by law to have a hearing regarding his denial. He will most likely claim ...
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| Mercury lapse in coverage (1 day) | 9/29/2008 |
Q: Richard, We just received the final denial in our claim. Would we be best in obtaining an attorney ...
A: since you did not attach this as a follow-up to a previous question {which I am assuming to be the ...
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| condo water damage | 9/29/2008 |
Q: A hose from our AC unit in our condo was accidentally moved away from the drain resulting in water ...
A: the answer to this lies within the coverage section of your insurance policy and also in its ...
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| accident 07-12-07 | 9/27/2008 |
Q: first off thank you for doing this. it is very hard getting a straight answer from the lawyers i've ...
A: first allow me to express my sympathies for your unfortunate injuries and the pain and suffering ...
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| insurance claim | 9/26/2008 |
Q: My wife had an accident in 2006, AAA requested we take it to an approved repair shop. They stated ...
A: you are going to have to dredge up all of the records pertaining to the 2006 accident and subsequent ...
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| Driving Uninsured Vehicle | 9/25/2008 |
Q: I was pulled over for driving my uninsured automobile in MA. I have not had insurance in MA for ...
A: this question would be best answered by either a criminal Attorney or by the MA. DMV because they ...
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| TREE | 9/24/2008 |
Q: There was no damage. Who is responsible for clean-up (and firewood)? Insurance tells me it is my ...
A: the answer to this question is best resolved by reading your own insurance policy because ...
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| car ins/ rental coverage | 9/24/2008 |
Q: Hell, I was recently in an accident in Texas. I was hit from behind at an intersection and the ...
A: have you contacted your own insurance company yet? You may have better rental car coverage but I ...
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| Can we sue our condo for our stolen bike? | 9/24/2008 |
Q: Yesterday as my husband came back from work he noticed his motorcycle was gone from our assigned ...
A: if the condo's insurance had coverage for an event such this then you shouldn't even have to sue ...
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| fender bender | 9/24/2008 |
Q: One of my family members was involved in a fender bender. The car they hit had their left turn ...
A: I wouldn't be too nervous about this event if I were you. There is absolutely no law that says that ...
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| AIG | 9/23/2008 |
Q: I have been receiving permanent disability payments for six years, and I am scheduled to receive ...
A: this is indeed a troubling time for people whom are receiving insurance benefits or other payments ...
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| Unemployment Insurance | 9/22/2008 |
Q: I was working for a company that laid everyone off for 3 months. They gave us a definite call back ...
A: it doesn't work that way. You would not be entitled to any unemployment benefits except for the ...
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| Insurance Coverage | 9/22/2008 |
Q: My 17 year old daughter has a short cast on her left arm. I heard she should not drive (the car is ...
A: this would depend upon the degree of impairment your daughter would be under due to the short cast. ...
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| rental car insurance by credit card company | 9/22/2008 |
Q: Hope you can help me by answering my question. I have been in accident in a rental car in ...
A: I have never heard of a credit card company paying $50,000 for property damage to a rental car. Are ...
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| Unemployment Insurance | 9/22/2008 |
Q: I was working for a company that laid everyone off for 3 months. They gave us a definite call back ...
A: I am going to need a little more info here. When you took the new job did you tell your former ...
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| rental car insurance by credit card company | 9/22/2008 |
Q: Hope you can help me by answering my question. I have been in accident in a rental car in ...
A: there is more than one issue here so I will attempt to break this all down. The easiest one to deal ...
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| tree liabilty | 9/19/2008 |
Q: I live in Hamilton county Ohio my neighbors tree fell across the back yard the only thing it damaged ...
A: that Ike was some storm wasn't it? Yours is the second one today relative to tree damage in Ohio. ...
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| Neighbors Trees | 9/18/2008 |
Q: We recently got the rements of hurricane Ike in the state of Kentucky and I had 2 of my neighbors ...
A: one way or the other you are going to have to pay for the removal of those trees or face a possible ...
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| Car Accident | 9/18/2008 |
Q: Hope you can help me by answering my question. I have been in accident( I can’t called it accident ...
A: my advice is to do as he says up to the part about sending anything to either the other insurance ...
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| Car Accident | 9/17/2008 |
Q: Hope you can help me by answering my question. I have been in accident( I can’t called it accident ...
A: since this other party is not making a claim as of yet why then are you so worried? The way things ...
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| Parking Lot in Texas | 9/17/2008 |
Q: Hey Richard, I was in a collision on August 27th in a small parking lot. I was backing up in the ...
A: as I am envisioning this event I can understand why the insurance companies would declare this as ...
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| Pavement accident | 9/16/2008 |
Q: ..I was on my scooter just moving it off the road onto the pavement to move it into a better parking ...
A: I am not sure who Benny is but my opinion on your question is yes, the insurance should cover this ...
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| hurricane Ike -owner occupant policies & for sale property | 9/16/2008 |
Q: My husband and step-daughters bought a mobile home about 2 years ago. The owner occupant policy for ...
A: this sounds like a B.S. excuse by the insurance company to get out of paying the claim! Why would ...
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| recovered proberty | 9/15/2008 |
Q: A trailer was stolen out of my yard a few months ago. we filed a claim with insurence and were paid ...
A: what you are stuck with is a moral and ethical dilemna. I think that the best thing that you can do ...
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| auto Theft | 9/10/2008 |
Q: Approximately 45 days ago my car was stolen when my home was burglarized. The insurance company has ...
A: unless the repair estimates are for a greater amount of money than the vehicle is worth this changes ...
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| Overpayment on Unemployment | 9/9/2008 |
Q: how are you? My husband recently received a letter from the local Employment Security Commission ...
A: yes this is something to be concerned about. I personally witnessed a scenario like this at one of ...
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| garaged car damaged in house fire | 9/9/2008 |
Q: My brothers house recently caught fire as a result of his neighbors house catching fire. The ...
A: you should file a claim with both homeowner insurance companies and if you do not get a satisfactory ...
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| MVA Insurance Lapse, Default | 9/9/2008 |
Q: Richard, I moved from the state of Maryland April of 2006 to live in Ohio. September 2006 I received ...
A: there isn't a week that goes by without my receiving a question regarding this Maryland DMV mess. ...
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| Car Rental Liability | 9/8/2008 |
Q: This is not really a question but a commment. I'm a layperson in the above matter but can't ...
A: Allow me to preface my answer by explaining to you that this is an all volunteer service which ...
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| Maryland MVA - another recipient of "Insurance Lapse" notice | 9/8/2008 |
Q: I guess I am on the same boat with all other people who has received a nice gift from Maryland MVA ...
A: no this is no scam. If you look at the many past questions I have answered on this topic you will ...
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| Car Rental Liability | 9/8/2008 |
Q: This is not really a question but a commment. I'm a layperson in the above matter but can't ...
A: either you would have to have accepted and paid for the liability insurance through the rental car ...
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| chain reaction accident in texas | 9/8/2008 |
Q: my son was the 3rd car in a 4car chain reaction accident..he was hit behind by a guy that was ...
A: if the guy who hit your son made the first contact in the chain collision then he should be at ...
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| Car Rental Liability | 9/8/2008 |
Q: This is not really a question but a commment. I'm a layperson in the above matter but can't ...
A: I think that you had better re-read the coverage offered by that credit card company. A user may be ...
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| Mercury lapse in coverage (1 day) | 9/7/2008 |
Q: My auto insur. with Mercury (which i've had for 10+ years) was due on 9/1. I mailed a ck. on 8/25. ...
A: since Mercury is investigating this matter and you have not indicated that they have officially ...
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| backing out of a parking space | 9/6/2008 |
Q: I was leaving a shopping center when I looked out my passenger window and saw a car backing out. I ...
A: if you were in the moving lane of traffic then the other driver is 100% at fault in causing the ...
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| please help | 9/5/2008 |
Q: My car was parked thou damages on my car are 8000 dollars i have the report the guy has insurance ...
A: you should send a letter of complaint to your State Insurance Dept. outlining all of the facts of ...
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| NY state disability insurance | 9/5/2008 |
Q: I just took a job with a county in western NY thinking that they had comparable benefits to the job ...
A: to the best of my recollection both New York State and New York City are exempt from mandatory ...
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| vehicle theft claim | 9/4/2008 |
Q: I recently had my vehicle stolen out of my driveway. My vehicle was found abandoned and totaled. I ...
A: it would not have mattered even if you caused the vehicle to be totalled out. Insurance companies ...
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| auto loss | 9/4/2008 |
Q: My suv lost control while my daughter was driving and it spinned 5 times and hit a pole. I only had ...
A: I am going to need a lot more info here. You should have had the title to the vehicle in your ...
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| auto loss | 9/3/2008 |
Q: My suv lost control while my daughter was driving and it spinned 5 times and hit a pole. I only had ...
A: if the SUV was towed to a repair shop or salvage yard then you will be stuck with the bill for the ...
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| auto accident with uninsured motorist | 9/3/2008 |
Q: Back in Oct. 2007 my Nissan Altima was totaled by a vehicle that was uninsured. The driver of the ...
A: depending upon what the prognosis is for your daughter's recovery I would advise that you retain the ...
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| Friend wrecked my car | 9/2/2008 |
Q: On August 14 my friend kyle asked if he could drive my car just for fun cause it was a stick shift, ...
A: the only remedy here is to sue both Kyle and Ashton in small claims court. Kyle is in the case ...
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| ESURANCE AUTO POLICY | 9/2/2008 |
Q: MY HUSBAND GOT IN AN ACCIDENT WHERE HE WAS HIT IN THE REAR AND PUSHED INTO A 4 CAR ACCIDENT. THE ...
A: any auto insurance company can and will refuse to handle and pay out on claims made against you and ...
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| Accident with a parked car | 9/2/2008 |
Q: I was parked in front of my friends house illegally (unknowingly that it was illegal). while this ...
A: this is a property damage claim pure and simple. The owner/driver of the vehicle that damaged your ...
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| auto accident with uninsured motorist | 9/1/2008 |
Q: Back in Oct. 2007 my Nissan Altima was totaled by a vehicle that was uninsured. The driver of the ...
A: so sorry to hear about such consequences from a motor vehicle accident. I am going to assume that ...
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| liabilty | 8/31/2008 |
Q: a friend let me drive his car he said he had insurance while driving he was also present in the ...
A: ultimately it is your friend's insurance which will be stuck with repaying the other driver's ...
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| No fault | 8/28/2008 |
Q: What is the definition for a "no fault excess pip" claim? Thank you.
A: I am assuming that you are asking about a lien for excess PIP or no-fault benefits at the conclusion ...
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| Rear-end Collision | 8/28/2008 |
Q: I am a 17 year old with a provisional license. I was stationary at a stop light when a car came from ...
A: first thing to do is obtain a copy of the police report for future use. The person you hit could ...
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| Insurance lapsed and I was involved in an accident | 8/28/2008 |
Q: I was involved in an auto accident in Michigan on Oct. 22, 2004. My insurance coverage had lapsed ...
A: it seems to me that you are to be congratulated in this matter. That insurance company seems to ...
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| Value of recent repairs on salvage claim | 8/27/2008 |
Q: Farmer's Insurance has accepted 100% of the fault in an accident were their insured cut in front of ...
A: the only way that you could legally assert a claim for more money here would be if the vehicle was ...
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| CAR ISURANCE | 8/27/2008 |
Q: I HAD A ACCIDENT IN MY CAR A WEEK AGO IT IS NO FAULT OF MINE SO GOING THROUGH HIS INSURANCE SO IVE ...
A: if the vehicle is no longer driveable and has been considered to be a total loss then I see no ...
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| no insurance | 8/26/2008 |
Q: my son was involved in an accident in Texas recently. He was driving with no insurance. Bad, bad he ...
A: I do not know about the criminal laws for not carrying insurance in the state of Texas so I do not ...
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| Insurance lapsed and I was involved in an accident | 8/25/2008 |
Q: I was involved in an auto accident in Michigan on Oct. 22, 2004. My insurance coverage had lapsed ...
A: what you sent me is a well and clearly stated definition of property damage in the Michigan legal ...
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| Insurance lapsed and I was involved in an accident | 8/25/2008 |
Q: I was involved in an auto accident in Michigan on Oct. 22, 2004. My insurance coverage had lapsed ...
A: as far as I know there is no statute in existence which would bar the insurance company from ...
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| Life Insurance Policy | 8/23/2008 |
Q: My friend's husband took out a policy for $25,000 in June 2008 and gave them a check, They told him ...
A: I am glad that your friend contacted an Attorney. Ordinarily I would say that given the new set of ...
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| Adult child in another state | 8/22/2008 |
Q: Our daughter is going through a divorce and her soon-to-be-ex-husband will be keeping the family ...
A: I do not see why your current insurance company would not insure this extra vehicle on your policy ...
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| can anything be done about an inaccurate "negligent" finding? | 8/22/2008 |
Q: My husband was in a chain reaction accident Feb. 2006. The driver behind him was found negligent for ...
A: it seems as if you and your husband have run up against a sloppily run insurance company and their ...
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| Accidental Death Benifiets | 8/21/2008 |
Q: My father was in a car accident and was killed upon impact. The country road had skid for a long ...
A: I am assuming that you are not asking about any accidental death insurance that was on the vehicle's ...
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| Motorcyle accident on Garden State Hwy. | 8/20/2008 |
Q: On July 17,2008 I was riding a very good friend of mine Custom Chopper on the Garden State Parkway. ...
A: allow me to start by saying that you must be going to the right church to have been able to walk ...
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| please help | 8/20/2008 |
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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| definition of totaled out car | 8/18/2008 |
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 |
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 |
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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| Life Insurance Policy | 8/15/2008 |
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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| Stolen & Wrecked Vehicle | 8/15/2008 |
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 |
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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| pre-existing conditions/divorce | 8/11/2008 |
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 |
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 |
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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| Car Insurance Lapse | 8/10/2008 |
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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| insurance gaps | 8/9/2008 |
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 |
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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| speeding ticket | 8/7/2008 |
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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| Taxis in NJ | 8/4/2008 |
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 |
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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| Insurance Termination Letter | 8/4/2008 |
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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| Auto Insurance | 8/2/2008 |
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 accident and Health Insurance | 8/2/2008 |
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 |
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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| Got T Boned with no insurace | 8/1/2008 |
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 |
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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| MD MVA SCAM | 8/1/2008 |
Q: I received a letter today from Baltimore, MD alleging that I owe an absurd amount of money for a ...
A: if you check my recently answered questions you will see a recurring pattern with the Maryland DMV! ...
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| Parent's Liability for drivers under 21 yrs. | 7/31/2008 |
Q: In NYS, are parents liable for auto accidents, if their children, under the age of 21, have their ...
A: the way I remember it in N.Y. is that anyone suing the minor could file against the parents through ...
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| mva/NJ | 7/31/2008 |
Q: My daughter aws in an mva. She was a passenger,her friend was the driver.He recieved a ticket for ...
A: generally speaking under N.J. no-fault regulations an injured person receives no-fault benefits ...
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| Car Stolen, extra key inside | 7/30/2008 |
Q: our car was stolen from a parking lot last week. We have an 07 Ford Explorer. THe extra set of keys ...
A: many auto manufacturers have made claims of newer security systems which are foolproof. I do not ...
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| uninsured driver | 7/30/2008 |
Q: my boyfriend was in traffic when a car rear ended him and another car the driver who caused the ...
A: O.K., I guess I had it correct but just wanted to make sure. What you should do is to obtain a copy ...
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| uninsured driver | 7/30/2008 |
Q: my boyfriend was in traffic when a car rear ended him and another car the driver who caused the ...
A: Nancy, I am having trouble following you in this question. Are you saying that a vehicle being ...
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| Car Stolen, extra key inside | 7/30/2008 |
Q: our car was stolen from a parking lot last week. We have an 07 Ford Explorer. THe extra set of keys ...
A: if the vehicle is found then the insurance company will most likely give you a difficult time with ...
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| maryland Insurance lapse default | 7/30/2008 |
Q: Richard, I moved from Maryland in March of 2005 and just received 2 letters from the state of ...
A: due to the recent volume of questioners asking about this very same problem{I just answered one ...
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| auto lien | 7/29/2008 |
Q: I bought a car from a small company who offered "in-house" financing options. I paid the car off ...
A: never, ever pay for anything in cash without obtaining a receipt for the payment! The only thing I ...
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| Maryland Insurance lapse | 7/29/2008 |
Q: Richard, I moved to Colorado from Maryland 7 years ago and I'm just now getting a bill from the Md. ...
A: yes indeed this Maryland DMV is a madhouse and every time I get one of these questions about ...
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| left turn accident | 7/29/2008 |
Q: My wife was approaching the stop sign at the end of our unpaved, kinda narrow road today. She ...
A: the fault for this accident would be determined by the where your wife's vehicle was at the time of ...
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| hit and run liable? | 7/28/2008 |
Q: I'm posting from the state of Arkansas and hope that perhaps some advice can come from my query. ...
A: your problem is that in a matter such as this the burden of proof lies on your shoulders and you do ...
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| car insurance | 7/26/2008 |
Q: i have car liability. my 18 year old daughter is on it since 16.i was thinking of gifting the car to ...
A: you should make up a bill of sale which states the year make and model of the vehicle along with the ...
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| car insurance | 7/25/2008 |
Q: i have car liability. my 18 year old daughter is on it since 16.i was thinking of gifting the car to ...
A: the question of out of state coverage lies in your insurance policy itself. Most have such coverage ...
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| tree totaled my car | 7/25/2008 |
Q: I live in Rochester NY and last night a tree fell and totaled my car. We have pictures of the tree ...
A: the condition of that lot and the fact that it is unsuitable for building on it should make no ...
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| car accident damages condo garage | 7/24/2008 |
Q: 4 young men using uninsured, borrowed car (no one with driver's license) drive off private condo ...
A: Best of luck with all of the repairs!
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| tree totaled my car | 7/24/2008 |
Q: I live in Rochester NY and last night a tree fell and totaled my car. We have pictures of the tree ...
A: unfortunately for the new owners they are responsible for the damages through their homeowner's ...
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| Left turn accident | 7/24/2008 |
Q: I was making a left turn on a controlled intersection with signals. A car comming straight hits ...
A: the vehicle and traffic laws all blame an accident on the person making the left hand turn because ...
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| Failure to yeild right of way | 7/23/2008 |
Q: I was involved in a accident where I was traveling north and a car was traveling east. I saw her ...
A: of course you have a chance and if you do a good job of putting all of your evidence together you ...
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| Contributory Negligence | 7/21/2008 |
Q: On Mother's Day, 2007, I was following a Chevy Silverado 2500 on MD 65 in my 2000 Honda Civic. The ...
A: the way I see this situation it is one of "passing on the right" which runs against the VTL rather ...
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| Rental car accident | 7/19/2008 |
Q: What is the general outcome if someone lends a person a rental car for a few hours and that person ...
A: this is not a good scenario for the person who rented the vehicle because he breached his rental ...
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| Bent the bumper of a friends car. | 7/18/2008 |
Q: My friend let me use his car to go pick up my other friend's car, as I started backing out of the ...
A: that is what a deductible means. In order to receive a decrease in one's insurance premium the ...
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| Bent the bumper of a friends car. | 7/17/2008 |
Q: My friend let me use his car to go pick up my other friend's car, as I started backing out of the ...
A: if their full coverage covers them for collision damage they should be covered and should file a ...
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| parking cars or vans too long for parking space | 7/16/2008 |
Q: I was curious about the issue of parking vehicles that are too long for the parking space. I work in ...
A: I do not know of any State laws regulating this circumstance. You can inquire about this problem ...
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| i was rear ended by unisured motortist | 7/16/2008 |
Q: i was rear ended buy a man who said he was insured and gave me a copy of the card and all. i found ...
A: there is usually a grace period which might increase the insurance protection term but you and I ...
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| parking lot accident-t bone intersec. | 6/15/2008 |
Q: My daughter was in an accident in her school parking lot. There are 3 aisles of 2-way traffic and ...
A: hopefully when you and your daughter called in this accident to your insurance company she mentioned ...
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| accidental death benefits denied | 6/15/2008 |
Q: My dearest best friend of 30 years was recently killed in a car accident. As beneficiary, I was ...
A: I need to know if this denial is coming from the life insurance company or if it was coming from her ...
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| stolen truck in accident w/ no insurance | 6/14/2008 |
Q: I have a problem. I'm hoping that you can help me out with it. Back in August of 2007 my truck was ...
A: if you never turned the plates in for that truck then there will be a problem. Before you start to ...
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| Stolen car claim | 6/14/2008 |
Q: Here goes...my wife's car is registered in Maryland. Her car was stolen in Maryland on May 11th. ...
A: yes my answer should still apply and even more so. This would mean that VW credit is not even the ...
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| Ins Deductible | 6/14/2008 |
Q: My car flooded in February 08 and I took it to one of the shops that USAA recommended. When the car ...
A: before you do anything I suggest that you contact USAA to find out how much the original bill was ...
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| Stolen car claim | 6/14/2008 |
Q: Here goes...my wife's car is registered in Maryland. Her car was stolen in Maryland on May 11th. ...
A: every question which I have been answering and deals with the State of Maryland recently is a ...
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| auto insurance | 6/14/2008 |
Q: S. coast guard and i just got pcs orders to san diego ca. my car is registered and insured in the ...
A: the answer to this lies with the legnth of time that you and your vehicle will be domiciled in ...
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| Hit by a bus while stopped to let a passenger get into the car | 6/14/2008 |
Q: We reside in the State of California. My husband was picking me up at a bus stop. Our car was at a ...
A: I am having trouble picturing this event in my mind. Where was the bus coming from that he had to ...
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| Laps in Car Insurance | 6/13/2008 |
Q: I had a car accident on Tuesday morning around 8 am. I was trying to avoid and accident and ended up ...
A: if this accident was your fault then you had best read your insurance policy closely to find out if ...
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| Tree fell on my parked car | 6/13/2008 |
Q: My car was parked on a street (Brooklyn, NY) and during a storm a branch of a tree fell on my car. ...
A: if this was classified as a "curb tree" and was alive for more than 3 years then the city is ...
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| Accident with a rental car | 6/13/2008 |
Q: I live in Connecticut. Last night I was following an acquaintance and I rear-ended her car when she ...
A: I need to know who is officially on the rental agreement. Did you sign an agreement or was the ...
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| bought possible stolen car | 6/12/2008 |
Q: I live in WI, my father in CO bought a car for me. The seller said that he was selling his father's ...
A: this question would be best asked of someone who is an expert in criminal law. Either the person ...
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| Out of State coverege | 6/12/2008 |
Q: I droe up to California to visit my family from Texas and while I was on my vacation a car hit me. ...
A: are you asking about your insurance company or the insurance company which insures the other ...
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| house fire | 6/12/2008 |
Q: my house caught fire in april, the local fire dept. came and put it out and investigated and found ...
A: are you saying that the insurance company is denying your claim? If so then get the report from the ...
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| pressing charges | 6/12/2008 |
Q: My wife was in a car accident and it was determined (witnesses etc.) that it was the fault of the ...
A: the term "pressing charges" is incorrect. Your wife merely has to show up in court and give sworn ...
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| Towing Company responsibility | 6/12/2008 |
Q: After having my car washed it failed to start. Apparently the control box got wet during the wash ...
A: that adjustor was 100% correct that you have to develop a snarl in dealing with the towing company! ...
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| Left Hand Turn /U turn Accidents | 6/12/2008 |
Q: There was no green arrow turn, just a green light. He said one car went through and he didn't see ...
A: the bush in the island should make the person contemplating the left turn even more cautious before ...
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| Son wrecked his friends motorcycle who has no insurance | 6/11/2008 |
Q: the freind has no Florida insurance. my son does not have motorcycle insurance either, he was hurt ...
A: I am afraid that the friend has absolutely no liability for this event unless that bike had some ...
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| Farmers low balld me | 6/11/2008 |
Q: when they installed it when they cut the steel transmission line to add the cooler they didn't flair ...
A: I think that this is a matter of semantics because in the insurance policy there generally is a ...
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| 16 yr old regarding insurance | 6/11/2008 |
Q: My 16 yr old wants to get his liscence. He has finished Driver's Ed and his required drive time. ...
A: this question would be best asked of your insurance agent. You can easily have your son added to ...
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| Farmers low balld me | 6/11/2008 |
Q: when they installed it when they cut the steel transmission line to add the cooler they didn't flair ...
A: get copies of all correspondence and evidence regarding this matter as well as value reports from ...
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| Auto Insurance | 6/10/2008 |
Q: I recently applied for Auto Insurance. The deal was made but then 2 months later they claim that 5 ...
A: this is perfectly legal for the insurance company to do. They search your driving records in order ...
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| Private Parking Lot Laws | 6/10/2008 |
Q: I was originally parked in an elementary school parking lot. I had checked over both shoulders to ...
A: unfortunately the person doing the backing out of a parking spot or driveway is always held ...
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| Towing Company responsibility | 6/10/2008 |
Q: After having my car washed it failed to start. Apparently the control box got wet during the wash ...
A: the towing company for not adequately and safely hooking up your vehicle were the negligent party no ...
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| unemployment insurance question | 6/10/2008 |
Q: I need to know if you legally qualify for unemployment benefits if you lost your job due to being ...
A: the answer to the first part of your question is yes. You were technically terminated through no ...
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| car theft | 6/10/2008 |
Q: Our car was stolen from in front of our appartment building. It was burned approximately 3.5 hours ...
A: this cop is obviously insane! What right does he have to make such accusations? I think that you ...
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| Left Hand Turn /U turn Accidents | 6/10/2008 |
Q: There was no green arrow turn, just a green light. He said one car went through and he didn't see ...
A: I am sorry to say that your son was at fault in causing this event. It is always the duty of the ...
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| hit and run | 6/9/2008 |
Q: I was parked in a parking lot when i walked outside i noticed that someone had backed up into my ...
A: I am afraid that there isn't much you can do besides "eating" the deductible and getting the repair ...
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| insurance for permit driver | 6/9/2008 |
Q: I have a daughter who will be 16 in July. She has her drivers permit. All of her friends parents do ...
A: I do not believe that there exists any insurance laws that regulate the insurance premium rates in ...
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| Parking Lot Accident - Right of Way? | 6/9/2008 |
Q: My husband recently had an accident in a parking lot. He was driving straight - North, while a woman ...
A: after all of the dust settles on this event I believe that the insurance companies will agree that ...
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| Law re: uninsured parked car | 6/9/2008 |
Q: I live in the state of Pennsylvania. My car insurance recently lapsed and I was in the process of ...
A: the police are not responsible because it wasn't even them who hit your vehicle. However, you can ...
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| Law re: uninsured parked car | 6/9/2008 |
Q: I live in the state of Pennsylvania. My car insurance recently lapsed and I was in the process of ...
A: there are two things that come to mind. The first is to file a claim with the Crime Victims ...
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| canceling insurance policy | 6/8/2008 |
Q: My daughter driving my husbands truck rear ended two vehicles. The accident was her fault. We are ...
A: as long as the truck insurance policy was in effect and the insurance premium was paid in full up to ...
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| parking forward vs backed in | 6/7/2008 |
Q: have any studies been done as to frequency of accidents backed in vs parking facing forward in ...
A: I am not sure about any studies of the merits of parking by backing in but I am sure that insurance ...
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| need help | 6/7/2008 |
Q: My name is Monique. I just bought a van for my bad few days ago. We have gigs in many states and are ...
A: this is excellent news and far faster than I would have expected! Have that insurance adjustor send ...
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| Backing out of a parking space collision | 6/7/2008 |
Q: I was recently backing out of a parking space in a lot, and before getting into the vehicle and ...
A: the driver who is doing the backing out from any parking spot or driveway is always at fault in ...
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| Inolved in accident with no license | 6/6/2008 |
Q: My girlfriend and I live together and own a car. It is in her name as far as both the bank and the ...
A: the only thing that comes to mind would be for your girlfriend to claim that you stole her vehicle ...
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| Parking Lot Accident - Right of Way? | 6/6/2008 |
Q: My husband recently had an accident in a parking lot. He was driving straight - North, while a woman ...
A: if one of the lanes was a two-way road while the other was one way only then the two-way road would ...
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| How do insurance companies value a Car? | 6/5/2008 |
Q: My car was hit about a week ago, other driver was determined to be 100% at fault by his insurance ...
A: you can use Carfax and Edkins on-line services to find out the value of your vehicle in your ...
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| Sideswipe | 6/4/2008 |
Q: I arrived home at my complex, went over a speed bump. There was a car in front of me and a car ...
A: without any traffic controlling device in place it is the other driver who is at fault for causing ...
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| Nationwide Refusal to Settle | 6/4/2008 |
Q: I've got an issue with a settlement claim from Nationwide and was hoping you might be able to lend ...
A: gather all of your proofs regarding this event and sue the other driver in small claims court or in ...
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| Auto insurance lapse in Maryland | 6/4/2008 |
Q: My question revolves around a motorcyle I had from August of 2002 until October of 2005. It was the ...
A: I have had several questions regarding the Maryland DMV and their fines which seem to me to be ...
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| car insurance | 5/31/2008 |
Q: In 2006, my son rear eneded a car on its way home. There were two people in the other car. A mother ...
A: not only is this legal but it is also a necessary and commonplace part of the "discovery" process in ...
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| Letting friends borrow my car??? | 5/27/2008 |
Q: I'm moving across country for the summer and two of my friends are borrowing my car while I am gone. ...
A: what you are looking for is a type of "hold harmless" agreement. This agreement should be witnessed ...
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| fallen tree | 5/27/2008 |
Q: About a month ago, a storm came through our area and knocked down two of our trees. One just fell in ...
A: , this is your tree so your insurance is responsible for the claim. If it was your neighbor's tree ...
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| parked car | 5/22/2008 |
Q: my son is in the army and stationed at fort hood he was attending classes in louisiana he has been ...
A: the mail truck driver is at fault. Your son should contact his insurance company to determine if ...
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| Compulsory Insurance | 5/16/2008 |
Q: Richard, hi. I live in UK and a sports body is insisting our club takes ou there public liability ...
A: I am not sure that I understand exactly what a "sports body" is. Is this some type of club which ...
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| rental car insurance? | 5/12/2008 |
Q: I currently live in New York and have a New York Driver's license. I do not have a car and do not ...
A: it doesn't matter which State you lease the vehicle in because the car rental company would not ...
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| rear end collision | 5/12/2008 |
Q: i am 19 years old still on my GDL program. i was involved in an accident when we were both parked ...
A: there are too many variables here to give very definitive answers. The make, model and year of the ...
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| unemployment insurance law | 5/8/2008 |
Q: I OWN A LIMOUSINE COMPANY IN NEW YORK AND PAY MY EMPLOYEES ON A.D.P.SYSTEM WHICH PAYS ALL MY TAX ...
A: you should check with a tax specialist on this question but my best answer is that if you send the ...
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| Nationwide will not pay for the body work done to my truck because they said it's too expensive | 5/8/2008 |
Q: My truck was rear ended by another drive whom was insured by Nationwide. Nationwide had claimed ...
A: you can formally complain to your State Insurance Dept. or Commissioner but I doubt that they will ...
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| Hit and run? | 5/7/2008 |
Q: After class, I went to my car parked on the campus parking lot. I was told that my car was hit on ...
A: I would consider it a stretch to call this incident a hit and run but if your deductible is more ...
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| Nationwide will not pay for the body work done to my truck because they said it's too expensive | 5/6/2008 |
Q: My truck was rear ended by another drive whom was insured by Nationwide. Nationwide had claimed ...
A: get your estimates, the police report, and any correspondence from Nationwide which admits that ...
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| Grandson's death | 5/6/2008 |
Q: my grandson died on April 7th from a self inflicted gun shot wound.The police report called it a ...
A: I do not think that the funeral home is at fault here. They provided a service and expected to be ...
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| My car declared a stolen vehicle | 5/6/2008 |
Q: I purchased a car in 2001 from an Auto Dealer in Namibia which I finished paying in 2005. This year ...
A: I can only give you some ideas on how to "kick start" this quest. The first one is to send a letter ...
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| parking lot accident--NOT backing up | 5/2/2008 |
Q: A couple days ago, I was driving in a lane (aisle?) in a mall parking lot. In this particular area ...
A: since there were no actual stop signs at that T-bone intersection and both you and the other driver ...
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| Driving someone elses car | 5/2/2008 |
Q: October 31, 2007 I was driving a care that was bought for me but in my dads name. My father told he ...
A: before doing anything you have to find out the exact reason that this event is not being covered. ...
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| cut off | 4/29/2008 |
Q: Hey my question for you is i recently was driving and i pulled out onto a main road and i cut off ...
A: this sounds like an instance where the old adage "no good deed goes unpunished" becomes relevant. ...
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| NJ rental car in NY accident | 4/29/2008 |
Q: My employee rented a car in NJ from Enterprise Rent A Car (ELRAC). The Rental agreement allowed him ...
A: unless there was some sort of clause in the rental agreement regarding the use of the rental in ...
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| Accident: Left & right turn cars | 4/28/2008 |
Q: Two weeks ago I had an accident. Accident happened on a T intersection. I was getting out my ...
A: this is tough because of the point of impact and the areas of damage to the vehicles. It would ...
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| NJ rental car in NY accident | 4/28/2008 |
Q: My employee rented a car in NJ from Enterprise Rent A Car (ELRAC). The Rental agreement allowed him ...
A: in my opinion your employee should not be hassled by any of this. If ELRAC feels that they have any ...
|
| commercial insurance | 4/26/2008 |
Q: If an ex-employee sues his former employer; and the jury finds the former employer guilty as charged ...
A: the only way to find the answer to this question is to read the coverages section on that commercial ...
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| Gas Station gave bad gas which caused $1,000 damages to car | 4/26/2008 |
Q: Is it possible to sue a gas station for bad gas which caused $1,000 worth of damages to my car? I ...
A: anyone can sue anybody for anything at any time. The problem is in making it worthwhile. I am ...
|
| Home insurance claim | 4/22/2008 |
Q: A bathtub ran over in our house & when the company we hired to repair the damage came out, they told ...
A: I think that you are going to have to carefully read the coverage sections of your homeowner's ...
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| casualty insurance or flood | 4/22/2008 |
Q: My insurance company called the casualty a Flood and refused to cover the damage my question is how ...
A: this is the same B.S. that insurance companies pulled on those poor people who suffered through the ...
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| insurance settlement for car accident | 4/21/2008 |
Q: My daughter is about to get a setlement for injuries from an MVA last year. We were told by our ...
A: I have never heard of any sort of settlement cap that would allow for the dispersment of any monies ...
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| Insurance coverage | 4/17/2008 |
Q: I live in Florida and my roof began leaking last year and now it's to the point where the ceiling in ...
A: aha, now I see where you are coming from. My answer will depend upon several things. Did you use ...
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| Insurance coverage | 4/17/2008 |
Q: I live in Florida and my roof began leaking last year and now it's to the point where the ceiling in ...
A: unless your house is relatively new and thus still under warranty by the builder there is no claim ...
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| car accident while backing out. | 4/12/2008 |
Q: The parking was one way & angled. The person who got hit was also backing up but I was in right side ...
A: this was exactly the reason that I asked about the areas of damage to both vehicles. The way you ...
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| Blamed for an accident | 4/12/2008 |
Q: I was hit by a driver turning left. I had the right of way. I was heading west on a two-way ...
A: obtain the witness statements ASAP because even though a police report is totally off of the wall it ...
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| car accident while backing out. | 4/11/2008 |
Q: The parking was one way & angled. The person who got hit was also backing up but I was in right side ...
A: before I can say if anyone is more at fault here I need to know where the damage is to both ...
|
| a moving car into my open door | 4/11/2008 |
Q: I was parked next to a coworker of mine in our garage and we were leaving at the same time. Both of ...
A: you are right, I am having a hard time envisioning this scenario. How could your co-worker not ...
|
| Auto Insurance for daughter, who does not live with me? | 4/11/2008 |
Q: I live in Michigan, and have custody of my three daughters. My 19 yr. old (lived w/ me from ages ...
A: I strongly agree with you in this matter. You would be commiting insurance fraud by putting your 16 ...
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| Obtaining insurance info on other driver | 4/8/2008 |
Q: Recently I was hit by a Pennsylvania driver who refused to give me her insurance information. I have ...
A: Personal Injury lawfirms have a program that does license plate searches for which they pay a per ...
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| Obtaining insurance info on other driver | 4/7/2008 |
Q: Recently I was hit by a Pennsylvania driver who refused to give me her insurance information. I have ...
A: you should be able to do a search through the Pa. Dept. of motor vehicles by either going there in ...
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| Stolen truck | 4/4/2008 |
Q: We had a truck stolen in August of 2007, which was found totally destroyed in another city. We have ...
A: since this claim is still not decided you will most likely have to undergo the examinations under ...
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| car accident in no fault state | 4/2/2008 |
Q: I live in Michigan we are a no fault insurance state. My daughters friend was parked on the ...
A: I am not particularly knowledgeable with Michigan insurance law except for the fact that your ...
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| Auto Theft Claim Denial | 4/1/2008 |
Q: My father-in-law got us a vehicle; however, its titled and registered in his name. I got the ...
A: it seems to me that your father-in-law who is the titled owner of the vehicle should have and should ...
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| Parked car hit | 3/31/2008 |
Q: I live in California and I have a question regarding an incident that occurred last night. My car ...
A: I can see from the question that you are a very nice fellow who does not want to financially hurt ...
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| Son's friend driving car | 3/30/2008 |
Q: My 18yo son's car is titled in both of our names. I carry the insurance. He let a friend (age 19) ...
A: in my opinion the first thing for you to do is to get ahold of that police report or call report. ...
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| Rental car insurance | 3/28/2008 |
Q: My sister in law was in an auto accident, hit head-on by a tourist from Saudi Arabia making an ...
A: first thing to do is to call the rental agency and demand to see a copy of the law or rules that cap ...
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| UIM Claim | 3/27/2008 |
Q: I am a Police Officer in May 1997 I was struck by another vehicle while responding to an accident. ...
A: since your insurance company was not part of the original arbitration process the original award of ...
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| Accident - No Headlights. | 3/27/2008 |
Q: Just the other day I was in a severe car accident around 8:30PM on my way to work. I was at a stop ...
A: since there were no witnesses to this event it would be your word against the word of the other ...
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| Insurance on car financed to someone else? | 3/27/2008 |
Q: I want to let my sister in law be the primary driver of my car. The car is still being financed ...
A: in my opinion the best and easiest thing to do is to have all vehicles on the same policy. You ...
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| Insurance on car financed to someone else? | 3/25/2008 |
Q: I want to let my sister in law be the primary driver of my car. The car is still being financed ...
A: to be honest with you I do not like any part of this scheme starting with Esurance. I am sure that ...
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| damage to my car from tree limbs | 3/21/2008 |
Q: I was parked on the street under a tree, (only spot on the street). When I left for work the car was ...
A: before you do anything you must take pictures of that limb, the part of the tree it came off, and ...
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| Employer wants me to park his vehicle at my house. | 3/21/2008 |
Q: My employer wants me to park HIS company delivery van at MY house to protect it from vandalism/theft ...
A: I strongly suggest that you have your employer write out a "hold harmless" letter for both of you to ...
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| Homeowner/builder liability claim | 3/21/2008 |
Q: I purchased a brand new home 3 years ago and it was my first so I know very little about homeowner's ...
A: I doubt that the original builder could be held accountable for this problem because it has occurred ...
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| I was rearended while making a left turn, who is at fault? | 3/20/2008 |
Q: I was driving to my parents house when i stopped to yield the right of way to a vehicle traveling ...
A: you are going to have to contact the agency or department that issued the ticket in order to find ...
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| Auto Insurance Claim No Fault State MA | 3/18/2008 |
Q: I drive on left lane, 2 cars front of me yielding left, I changed lane to right, there is no car. I ...
A: once again I am telling you what you must do in order to obtain justice here and also to force that ...
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| Fighting Arbitration | 3/15/2008 |
Q: My daughter was in an accident in July, the arbitration took place in Jan. I got a ruling in Feb and ...
A: you would have to read the rules and regulations of that particular arbitration forum which should ...
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| driveway collision | 3/14/2008 |
Q: My roommate who owns our house had his friend come over. Our driveway is on approximately a 25% ...
A: I agree with you wholeheartedly! I think that the collection agency should accept around 50% or ...
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| past questions and follow ups | 3/13/2008 |
Q: in your response.Hi Paul, before I type in my calculations I want to give you a little background ...
A: it appears to me that Allstate is entitled to take a SSD set off of $1610 from the checks that they ...
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| car accident on private property | 3/13/2008 |
Q: I was traveling to work yesterday morning and a fedex driver backed into my car and did extensive ...
A: I would try to get in touch with Fedex first. There must be some way. Hopefully you got the ...
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| subrogation | 3/12/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: they are forthcoming as a response to your latest E-mail. After I give them to you I am going to ...
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| subrogation | 3/12/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: before I type in my calculations I want to give you a little background info. The N.Y.S. insurance ...
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| driveway collision | 3/12/2008 |
Q: My roommate who owns our house had his friend come over. Our driveway is on approximately a 25% ...
A: this scenario is unfortunately going to get one of my stock answers regarding backing out. It is ...
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| I hit a parked car | 3/12/2008 |
Q: I am fully insured in MI. While in Ohio, I hit a legally parked car. The car was registered and ...
A: the rules of the State that the accident occured in apply but I do not see how this should make a ...
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| subrogation | 3/11/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: I received all of the follow up questions and printed out all of the figures you sent me. ...
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| Parking lot accident | 3/11/2008 |
Q: I pulled one parking space forward, then turned right. Three cars down, another car backed up into ...
A: under normal circumstances the fault in an accident lies with the person backing out of a parking ...
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| Ownership/Uninsured | 3/11/2008 |
Q: Hey Richard, my family seems to have run into a problem. Although I am third person on the problem I ...
A: since your brother is a minor there is nothing to do here legally. She is liable and cannot even ...
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| My brother got into an accident in his car, but insurance was under my name. | 3/10/2008 |
Q: my brother just got into an accident in his car, he was not at fault. I had just put his car under ...
A: the other driver's insurance should cover the property damage to your vehicle. If the other driver ...
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| subrogation | 3/9/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: I asked for further information from you on the other part of this follow-up. I will also need to ...
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| subrogation | 3/9/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: I want and would love to help you but I need to know a few things that you are not telling me. ...
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| subrogation | 3/8/2008 |
Q: i was hurt in a car accident on june 28th 2006. i was awarded ssi disabilty in april of last year. ...
A: this sounds like it involves N.Y.S. or N.J no-fault insurance which I am extremely familiar with. I ...
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| PA accident | 3/6/2008 |
Q: I have a question regarding PA insurance law. I was rear-ended January '07 while yielding. I was ...
A: this question is tough for me because Pennsylvania flipflops on whether it is no-fault medical state ...
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| Have no insurance and hit someone | 3/6/2008 |
Q: I hit someone's car while backing up and there was a minor dent to her bumper. The rental car was ...
A: you have to look at this situation pragmatically. First of all you did cause an accident and ...
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| collision, uninsured | 3/5/2008 |
Q: a driver changed lanes and collided with my truck. they were in a hurry took my name and left the ...
A: unless Indiana has a "no-fault only" law in effect the other driver is at fault and therefore liable ...
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| disabilty | 3/4/2008 |
Q: can i lose my disabilty insurance payments if they find out i smoke weed
A: I was going to blow off{pardon the use of words} this question with one of the stock answers we use ...
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| Hit car while working in Parking Lot | 3/4/2008 |
Q: My dad works as a parking attendant in a lot in NY. About 9 months ago, he had an accident in the ...
A: Lara, this is going to be a toughie. That Attorney may just be fishing to see if he gets a nibble ...
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| car | 3/4/2008 |
Q: On an ice rain day i was pulling into the parking lot of a local store, i was breaking into my ...
A: due to the fact that there was still icy precipitation coming down you do not have anyone else to ...
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| Drunk driving accident | 3/4/2008 |
Q: Last Friday, 3/1/08, my roommate was involved in an automobile accident with a drunk driver. He had ...
A: first thing is your roommate should follow his Dr.s directions and get himself better health wise. ...
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| Car Accident-Over Limit of Coverage | 3/3/2008 |
Q: My wife involved to an accident that was happened about 1 year ago. It was a small accident because ...
A: there is nothing for you to do at this point. Your insurance has to be exhausted before you ...
|
| taxi accident | 3/3/2008 |
Q: My two children and our nanny were involved in a taxi accident. The taxi was stopped in front of ...
A: if there are no apparent injuries such as fractures, back aches, scars etc. then they were merely ...
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| taxi accident | 3/3/2008 |
Q: My two children and our nanny were involved in a taxi accident. The taxi was stopped in front of ...
A: PERFECT! All of the accident related medical bills your children and the nanny should be paid by ...
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| Accident | 3/1/2008 |
Q: I had an accident when a driver made a left turn in front of me at an intersection, the other driver ...
A: I have never heard of a "restitution hearing" but it seems to me that the insurance company lost its ...
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| Accident | 2/29/2008 |
Q: My car was parked outside my house And Was hit and the person ran! I found my brand new car the ...
A: uninsured/underinsured motorist coverage generally only pays for personal injuries caused by another ...
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| my brothers car accident | 2/28/2008 |
Q: my brother was recently in a car accident that happened while he was driving to work. it was a ...
A: this sounds like a lot of hooey to me but I am never amazed at some of the insurance regulations and ...
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| IN A WRECK NO INSURANCE | 2/27/2008 |
Q: I Was in a wreck, the car was in my name but my girlfriend was driving. Our insurance just got shut ...
A: your girlfriend should obtain a copy of the police report and file a claim for personal injury with ...
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| Insurance check way too low | 2/27/2008 |
Q: I was rear ended while merging and Insurance and police report all claim that it is not my fault. ...
A: in this case I suggest that you take the vehicle to another shop or two and get written estimates or ...
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| Insurance check way too low | 2/27/2008 |
Q: I was rear ended while merging and Insurance and police report all claim that it is not my fault. ...
A: I understand what you want to do but need more information on your relation to Mercedes in this ...
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| lien on virginis driver license | 2/27/2008 |
Q: the virginia dmv has 2 civil liens against my license for 2 different accidents i had in my ...
A: I do not see how these debts will ever die unless you make some type of payment arrangement. This ...
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| driving into an opened door | 2/22/2008 |
Q: I was driving down a street with cars parked on both sides of the road. A car was driving down the ...
A: in my opinion you and the other driver are needlessly pointing fingers at one another. The real ...
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| liable? | 2/22/2008 |
Q: my car was rear ended, i had no insurance at the time. Am I liable or at fault? ANSWER: Hi Oscar, ...
A: so the mechanic idea is out of the picture. There are no laws regarding this type of liability. ...
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| liable? | 2/21/2008 |
Q: my car was rear ended, i had no insurance at the time. Am I liable or at fault? ANSWER: Hi Oscar, ...
A: if your mechanic is from a licensed repair shop and was merely road testing your vehicle after ...
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| insurance liability | 2/19/2008 |
Q: This is in N.Y I was involved in a car accident several years ago. I finally got the insurance ...
A: it sounds like a weird policy to me. Usually the liability limits are for 100/300 for liability. ...
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| 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: the way I see this is that the owner of the vehicle that you were driving at the time of this ...
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| Homeowner Liability to Damaged Vehicle | 2/17/2008 |
Q: In NJ, is a homeowner liable for damage to a vehicle, parked on the property, by a tree falling on ...
A: if the tree was in some way partially dead and a limb fell onto your vehicle then I believe it ...
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| My car was totaled while parked | 2/15/2008 |
Q: My neighbors woke me up in the middle of the night to let me know my car had been involved in an ...
A: the question of which court to sue in depends upon the prevailing state laws regarding the monetary ...
|
| 3 car crash | 2/13/2008 |
Q: I got in a car accident a couple weeks ago on a small rode near my school there were three cars and ...
A: this doesn't seem to me to be anything more than an error on the part of some overworked clerk at ...
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| personal belongings | 2/12/2008 |
Q: I don't know if you can help me but my brother had his Truck impounded. He is a brick layer and all ...
A: I do not know if he has any rights in a case such as this. I think that you should call your State ...
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| Backing out of driveway | 2/9/2008 |
Q: backing out of my driveway, my car hit a move vehicle on passenger side. Our respective views were ...
A: unfortunately the liability for this event is all yours. It was your duty to make sure that you had ...
|
| Insured driver | 2/8/2008 |
Q: My nephew would like to borrow my car to drive to and from work. Does my insurance fully cover him ...
A: if you lend your vehicle to anyone on a one time basis then the vehicle will still be covered but if ...
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| Insurance denied responsiblity even though police report shows that other driver is at fault | 2/8/2008 |
Q: I really could use some help. I was in a car accident on 12/17/07 and was going through an ...
A: obtain two estimates of the damages and send copies to the other driver with a demand for payment ...
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| no insurance | 2/7/2008 |
Q: I was recently in a accident...they state was my fault on the police report. I was in a arbys drive ...
A: I hate to say this but your only option here is to attempt to gather evidence that the truck was ...
|
| Increase of Insurance Premium? | 2/7/2008 |
Q: I was driving my girlfriend's car and I got pulled over for running a light (even thought it was ...
A: although your friend's insurance company is not going to be too thrilled by this I do not see how ...
|
| car insurance dispute | 2/4/2008 |
Q: can tesco insurance change my excess on my car insurance policy while iam making a claim for a car ...
A: the only reason that any insurance carrier should be able to make any changes is if it is somehow ...
|
| Daughter in car accident | 2/4/2008 |
Q: My daughter was in a car accident the other night. She is 18 and only has her nys permit. The ...
A: your daughter should be covered for her medical bills through the no-fault endorsements on the ...
|
| Vehicle damaged while in repair person's possession | 2/3/2008 |
Q: My husband's car was at an acquaintance's house to have the motor replaced. The acquaintance is not ...
A: let me get this straight in my mind. You had $3000 worth of repairs in a shop. Then you brought ...
|
| parked car and pedestrian hit | 1/31/2008 |
Q: A couple of weeks ago my fiance was parked legally on the street outside of our house around 6pm. ...
A: unfortunately on this one I have to agree with that insurance company. The NYS vehicle and traffic ...
|
| body shop estimate vs. insurance estimate | 1/31/2008 |
Q: d.Our 6 weeks old car was damaged on a parking lot. I got an estimate in the amount of $2100 from ...
A: I have several suggestions for you which might help to keep this matter from turning from cordial ...
|
| icy parking lot | 1/30/2008 |
Q: I was recently in a car accident where I pulled into my employers,ice covered parking lot,@ about ...
A: it is strange that I just finished answering an almost similar question from another person. I ...
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| icy parking lot | 1/29/2008 |
Q: I live in a 60 unit apt complex in NYS. This morning we had freezing rain which made the parking ...
A: I do not think that it would hurt to file a claim on the theory of "nothing ventured, nothing ...
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| At fault insurance does not want to pay for damages. | 1/29/2008 |
Q: I was involved in an accident where the Insured driver was cited for failure to yield the right of ...
A: this is a typical insurance company tactic. First they look at the liability and attempt to dicker ...
|
| laps in insurance | 1/28/2008 |
Q: recently my boyfriend and I we getting off the interstate and at the end of the ramp the driver in ...
A: in my opinion the fellow you rear-ended is not out for blood, but he is out for money. He sounds ...
|
| Left turn at driveway enterance | 1/26/2008 |
Q: I live in California and was driving North West and needed a left turn and it didn't have light or ...
A: I thought that there must have been some reason for the vehicles that were oncoming to be stopped at ...
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| Left turn at driveway enterance | 1/26/2008 |
Q: I live in California and was driving North West and needed a left turn and it didn't have light or ...
A: forget about the vehicles stopped behing you and concentrate on the vehicles facing you at the time ...
|
| 3 car accident | 1/25/2008 |
Q: I live in NC. My name is Chad Gray and I was in a multi car accident October 10, 2002. Traveling ...
A: it appears that some sort of legal proceeding went on to which you were not notified of and the ...
|
| Accident on private property - company veh. | 1/24/2008 |
Q: Long story short - I was moving my bosses vehile on private property - behind a fenced in area when ...
A: this sounds ridiculous to me! How in the world were you to know that the vehicle was not insured? ...
|
| Auto theft | 1/23/2008 |
Q: My car was stolen at the mall on DEC 16, 07, it was recovered and the adjuster told me it was ...
A: before you sue I would recommend that you call the insurance adjustor and give him an ultimatum. ...
|
| car hit in parking lot | 1/22/2008 |
Q: our car was hit by a lady at the mall. The police came out and did not issue her a citation but she ...
A: first call the police precinct and find out if you can obtain a copy of that police report. Also ...
|
| Cash value life insurance | 1/22/2008 |
Q: I recently surrendered a cash value life Insurance Policy. The policy stated I could "surrender the ...
A: as long as the local agent has an address in your own county or municipality or even state your ...
|
| totaled car accident | 1/5/2008 |
Q: My parents were in a car accident in nj last night. their car is totaled and they are trying to find ...
A: it would be the private sale figures which unfortunately are always somewhat lower. They should ...
|
| car accident | 1/5/2008 |
Q: i accidentally backed into someone, my fault, but they did not have insurance, what should i do? im ...
A: I suggest that you wait until the other party contacts you with a claim or an estimate of the ...
|
| Left hand turn on a yellow light | 1/3/2008 |
Q: I was going northbound on a two lane road with a center turning lane preparing to make a Left hand ...
A: it won't matter. If there was no left turn signal but merely red and green lights then both ...
|
| stacking? | 1/3/2008 |
Q: I'll follow the kiss principle here Keep It Short Simple. I'm a Ma. Insured, listed on 2 policy(s) ...
A: I can see that you are indeed lining all of your ducks in a row. Pain and suffering get measured by ...
|
| stacking? | 1/3/2008 |
Q: I'll follow the kiss principle here Keep It Short Simple. I'm a Ma. Insured, listed on 2 policy(s) ...
A: stacking usually occurs if one policy is for more than the other one as you already know. If your ...
|
| Left hand turn on a yellow light | 1/3/2008 |
Q: I was going northbound on a two lane road with a center turning lane preparing to make a Left hand ...
A: you are at fault here. No matter how you argue about it you made a left turn against traffic that ...
|
| Car Accident - At fault | 1/3/2008 |
Q: If you were at fault in a car accident and have full coverage and the other party/parties sue you ...
A: the insurance company takes care of the claim in its entirety. I think that you are a little ...
|
| Personal Auto Liability | 1/2/2008 |
Q: If an insured driver was driving a non-owned uninsured vehicle and was in an at fault accident, ...
A: the insured person driving someone else's uninsured vehicle would have to very closely read their ...
|
| claim settlement question | 12/31/2007 |
Q: We leased 2 semi trailers to arrowhead motorsports in Minnesota. They defaulted and we got our ...
A: I have been puzzling over this question over the New Year's holiday due to its inherent nature. ...
|
| Accident after plates transferred, possible lapse? | 12/31/2007 |
Q: My parents bought a new car which the dealer registered for them in CT. They contacted Travelers' ...
A: your parents are going to have to obtain a signed and notarized letter from the person at the car ...
|
| Is an insurance claim a legal document | 12/31/2007 |
Q: My husband has an insurance claim from the death of his aunt, however, he has to present an original ...
A: generally your husband would have to be appointed as administrator of the estate of the deceased ...
|
| Car Impounded | 12/28/2007 |
Q: I was driving last night with out insurance and was pulled over. I explained that I could not ...
A: this is more of a criminal law matter than one of insurance law. If the laws of your State provide ...
|
| Shopping Cart Incident | 12/27/2007 |
Q: After shopping at a local retailer I put my purchases in the trunk of my car and got into the ...
A: why not get an estimate of the damage and if it is too severe to be repaired with a mere application ...
|
| Fender-Bender with cancelled insurance | 12/27/2007 |
Q: I recently rear-ended a gentleman (on Christmas Eve, great) and as I have been searching through my ...
A: the other vehicle must be fixed and paid for by the other person's insurance company before you owe ...
|
| Auto theft claim | 12/26/2007 |
Q: I would like to start by thanking you for reading this. Any assistance you can offer will be ...
A: in your certified letter to the insurance company you should also mention their failure to obtain a ...
|
| Fender-Bender with cancelled insurance | 12/26/2007 |
Q: I recently rear-ended a gentleman (on Christmas Eve, great) and as I have been searching through my ...
A: at this time I think that it is best for you to just wait the matter out. The only thing you should ...
|
| Left Turn Accident | 12/26/2007 |
Q: I really need your help. I read your answers and decided to ask question from you. I was going ...
A: I am having a tough time picturing this event in my mind. Was the vehicle that you hit coming from ...
|
| no insurance | 12/26/2007 |
Q: What can I expect to happen since I was in an accident that totaled my car and i did not have ...
A: you must continue to pay the note on the loan. It will not matter to the lienholder whether or not ...
|
| I am underinsured motorist.I hit a car more than my coverage | 12/25/2007 |
Q: I am an underinsured motorist.I hit a pickuptruck.Fault is mine.I saw the damage was not that much ...
A: once the other person's insurance has paid out on the other person's vehicle they will send you a ...
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| Auto theft claim | 12/25/2007 |
Q: I would like to start by thanking you for reading this. Any assistance you can offer will be ...
A: you must have the patience of a saint to have waited so long for your insurance company in this ...
|
| no insurance | 12/24/2007 |
Q: What can I expect to happen since I was in an accident that totaled my car and i did not have ...
A: the lienholder will expect to get their money back one way or the other. If the other driver was ...
|
| I am underinsured motorist.I hit a car more than my coverage | 12/23/2007 |
Q: I am an underinsured motorist.I hit a pickuptruck.Fault is mine.I saw the damage was not that much ...
A: I am assuming that the other driver is claiming personal injury from this accident for the amount to ...
|
| insured goods damaged in transit | 12/21/2007 |
Q: I just took delivery from UPS couriers of a commercial oven, and it has been damaged in transit with ...
A: what you are going to have to do is to file a claim with both UPS and the company that you bought ...
|
| Accident with no auto insurance. | 12/20/2007 |
Q: I was in a accident last week and I was at fault. I have no auto insurance, not smart I know. ...
A: there may very well be a time limit for filing suit in your state but it certainly isn't a couple of ...
|
| An engine that I bought that was found to be stolen | 12/20/2007 |
Q: 2 years ago I purchased a Mustang engine for a car I'm building for $6500. The person that I bought ...
A: looks like you are facing the old "no god deed goes unpunished" dilemna. You are going to have to ...
|
| Impounded vehicle sold illegally | 12/18/2007 |
Q: My friend's son had an accident in which his car was impounded because of unpaid parking tickets. ...
A: an important facet of this problem is whether or not your friend's son ever told the towing company ...
|
| State Farm is screwing me over | 12/18/2007 |
Q: I have state farm insurance, i have been dealing with this agent for over a year and told him when i ...
A: I was going to suggest the usual 30 days which is the legal norm. The thing is that your summons ...
|
| State Farm is screwing me over | 12/18/2007 |
Q: I have state farm insurance, i have been dealing with this agent for over a year and told him when i ...
A: after sending the certified letter and giving the agent around 20 days to squirm this matter through ...
|
| State Farm is screwing me over | 12/18/2007 |
Q: I have state farm insurance, i have been dealing with this agent for over a year and told him when i ...
A: your best bet in a case such as this is to present the entire claim to your agent via certified mail ...
|
| no fault | 12/17/2007 |
Q: If you are in an accident in the state of Califonia and do not get a police report is it true that ...
A: I am assuming that you are asking about an accident that didn't involve any injuries so there was no ...
|
| insurance question | 12/17/2007 |
Q: regards jayne
A: this is not a good situation! There is no reason why you should be on your boyfriend's policy ...
|
| car damaged while parked on city street in chicago, IL | 12/17/2007 |
Q: my car was parked outside my apartment on a city street in chicago. someone hit the car and did not ...
A: this type of claim is generally made under the collision provisions of the insurance policy. ...
|
| What am I liable for? | 12/17/2007 |
Q: I borrowed a friends truck and nicked my fence pulling out of my back yard there's a scratch along ...
A: your friend can probably do the repair himself for less but it was you after all that caused the ...
|
| home owners policy- theft | 12/15/2007 |
Q: I was repairing someones car and it was stolen and wrecked (totaled). Who is responsible and for ...
A: this is an interesting question. If there was any form of a contract whether written or oral and a ...
|
| Insurance Claim | 12/14/2007 |
Q: My car was totaled no fault of my own, then I receive a rental car from the person who hit my car ...
A: yes you can change insurance companys and it will not affect their duty to represent you for any and ...
|
| Car theft query | 12/14/2007 |
Q: I have recently been the victim of car theft. I own 2 cars and have one parked on the street. The ...
A: I see no reason why you should continue to make insurance payments on the stolen vehicle. Make sure ...
|
| my apple tree was damaged by car in CT | 12/12/2007 |
Q: I got a call from travelers, their insured ended up in my lawn. I wasn't home. I looked at the ...
A: why not run this scenario past your homeowners insurance just to see what they say about that "law" ...
|
| Insurance Claim | 12/12/2007 |
Q: My car was totaled no fault of my own, then I receive a rental car from the person who hit my car ...
A: I think that you are worrying yourself unnecessarily at this point. The claims are being ...
|
| Got into an accident, my insurance lapsed! | 12/12/2007 |
Q: I got into an accident this morning and later in the afternoon, I realized my insurance had lapsed. ...
A: If your insurance coverage had just recently elapsed you might still fall under the "grace period" ...
|
| Precedence in claiming insurance money | 12/10/2007 |
Q: I was injured in a crash, which was the fault of the other driver. I believe that the hospital ...
A: given the fact that you are asking me this question in the first place I am assuming that Arizona ...
|
| Can Passenger be responsible? | 12/10/2007 |
Q: I was the passenger in a parked car and opened my door to exit when another car drove by and ...
A: if the driver/owner was in the vehicle at the time of the event then his or her insurance is going ...
|
| Friend damaging car | 12/9/2007 |
Q: (North Carolina) I recently allowed a "friend" of mine to borrow my car for an evening. About an ...
A: you can sue your "friend" in Small Claims Court because once he borrowed and drove your vehicle away ...
|
| Body Shop repairs | 12/9/2007 |
Q: I have a car that suffered some bumper damages recently at my own fault. I then proceeded to take ...
A: obtain estimates of only the damages you allege were caused by the body shop and make copies of any ...
|
| pole | 12/9/2007 |
Q: I gave my 17 year old son permission to drive my car. The weather was cold and icy. He hit a pole ...
A: this will depend on the language of your policy under the "exclusions" endorsements. If the ...
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| no insurance mom | 12/8/2007 |
Q: My girl friend moved from St. Paul MN to up to school in Fargo, ND. When she moved up here in August ...
A: yes, Kacie is responsible for any and all damages. The vehicle is registered to her and since she ...
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| Left hand turn on two lane highway | 12/8/2007 |
Q: My wife was in an accident last night trying to make a left hand turn into our subdivision. She came ...
A: the way I am visualizing this scenario is that the other driver tried to loop around the three ...
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| MEDICAL INSURANCE LAW | 12/7/2007 |
Q: 1. I have full medical coverage for my family, my employer is telling me that now instead of paying ...
A: is the insurance that you already have being paid for by your employer or is the insurance paid for ...
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| Car Damage | 12/6/2007 |
Q: I pulled into a parking spot that had a concrete barrier. Protruding from the barrier on the left ...
A: now I see what the defect was. In my opinion you have a valid claim against the holding company or ...
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| Stolen Item at Car Wash | 12/6/2007 |
Q: My husband had his $300 IPOD (that is only used for the car) in the middle console of his company ...
A: if the sign regarding personal belongings was plainly visible then the car wash business is out of ...
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| Car Damage | 12/5/2007 |
Q: I pulled into a parking spot that had a concrete barrier. Protruding from the barrier on the left ...
A: I am having trouble visualizing this scenario. what do you mean by "cleared the barrier"? Were ...
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| questions about failure to yield and lawsuit impact to a recently married... | 12/5/2007 |
Q: This is a multi-part question. My wife was in an accident about 14 months ago and we recently ...
A: first the "failure to yield" situation. A stop sign is a controlling device and the driver who is ...
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| Turning into the right of way | 12/5/2007 |
Q: my daughter, was driving with my younger daughter about 8am an she started the car, looked in her ...
A: I am afraid I have to agree with your insurance adjustor on this one. Your daughter has the vehicle ...
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| motorcycle backed into | 12/4/2007 |
Q: Here is my situtation. I was at work and my boss came to get me. I had parked behind a lady outside ...
A: from the way I am reading this it seems that you never actually directed your insurance company to ...
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| Car insurance | 12/2/2007 |
Q: Me and my Ex were in a car accident two yrs ago, i wit to therapy and was recieving housr hold ...
A: I still do not know who was insured by Allstate. Was Allstate your mother's car insurance company? ...
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| motorcycle backed into | 12/2/2007 |
Q: Here is my situtation. I was at work and my boss came to get me. I had parked behind a lady outside ...
A: this is an interesting one but I have to agree that it is going to be a 50/50 deal on liability. ...
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| Car insurance | 12/1/2007 |
Q: Me and my Ex were in a car accident two yrs ago, i wit to therapy and was recieving housr hold ...
A: now I am really lost! Who does Allstate insure? If they paid and your mother also paid then the ...
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| Car insurance | 12/1/2007 |
Q: Me and my Ex were in a car accident two yrs ago, i wit to therapy and was recieving housr hold ...
A: I cannot fully understand your question so I need for you to calmly and slowly redo it. From what I ...
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| car accident | 11/29/2007 |
Q: I was in a car accident in a parking lot, considered private property. There is a three way stop ...
A: if you do not have collision insurance on your vehicle then obtain two estimates of the damages to ...
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| Driving with a Permit | 11/28/2007 |
Q: My car is currently under my friend's name, and the insurance on her is under her name as well ...
A: the claim should go through and be paid by the insurance on the car which is registered and insured ...
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| Point of impact: rear of vehicle | 11/22/2007 |
Q: Riding my bicycle East on a divided highway, I collided with the passenger side of a car which had ...
A: , if the point of impact was more to the rear of the car then it would seem that the vehicle was ...
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| rear ended | 11/22/2007 |
Q: I was rear ended almost a week ago. I am trying to deal with the insurance co. myself. I did go to ...
A: of course the adjustor is "low-balling" you. If you are not seriously injured and feel that you ...
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| Hit and run claim | 11/21/2007 |
Q: I have my full coverage insurance with Travelers for more than 3 months now. The deductible cost is ...
A: If your vehicle was parked and you weren't driving then your insurance company should not raise your ...
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| Passenger in a cab | 11/20/2007 |
Q: My husband was in St. Louis on a business trip. He works and lives in NY. When he was in St. ...
A: I think that at this time it is best to merely follow your husband's employer's advice and have the ...
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| Subrogation Notice | 11/19/2007 |
Q: On 7/8/07, I witnessed an accident occur in which a sportscar drove into the back of a Jeep who was ...
A: I am afraid that the old adage "no good deed goes unpunished" comes into play here. It seems ...
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| title lost | 11/18/2007 |
Q: i was in accident were my car was a total loss. the other person insurance assumed liability. I ...
A: I see both your point and the insurance company's point in this matter. The one thing I do not ...
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| Dead Tree Damaged My Car | 11/15/2007 |
Q: I am in the somewhat confusing situation of having my car damaged while on the business property (a ...
A: the easiest way out of this dilemna would of course be to file a claim with your own insurance ...
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| Insurance Adjuster/ Independent Agency | 11/15/2007 |
Q: After putting my aspirations to become a private investigator on hold for awhile, I am considering ...
A: Whatever happened to your legal aspirations? I had your answer all worked out and you never ...
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| denial of third party homeowners insurance claim | 11/10/2007 |
Q: neighbors had a secondary water line break while on vacation. before it was shut of, it flooded ...
A: in my opinion you are barking up the worng tree when you attempt to have any govermental agency try ...
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| Drunk Driver Accident | 11/9/2007 |
Q: I was hit by a drunk driver in the state of North Carolina with my two children in the car. The car ...
A: enterprise is responsible for everything and I am sure that your insurance company will file a ...
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| Open Title on a Car | 11/6/2007 |
Q: The original owner of the car I just purchased sold the car to a woman who gave him a fake third ...
A: this question has a certain splendor to it. The way I see it the original owner got "stung" while ...
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| hit and run at an intersetion | 11/4/2007 |
Q: My daughter was proceeding through an intersection after stopping at a stop sign,and proceeded to ...
A: The witnesses will be helpful here because they seem to indicate fault on the other driver but even ...
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| hit and run at an intersetion | 11/3/2007 |
Q: My daughter was proceeding through an intersection after stopping at a stop sign,and proceeded to ...
A: I need a little more info before I can fully picture this event in my mind. Was the pick-up truck ...
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| stolen car | 11/3/2007 |
Q: I have AAA insurance. My car was stolen from my driveway. they recovered it a day later but it was ...
A: unless the damages to the vehicle are more costly than the vehicle's book value it would not be ...
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| stolen car | 10/31/2007 |
Q: my nephew takes my car to work sometimes and at work the car was stolen. the engine was on and my ...
A: I understand your situation. If this was a one shot event then it would not raise eyebrows but ...
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| stolen car | 10/31/2007 |
Q: my nephew takes my car to work sometimes and at work the car was stolen. the engine was on and my ...
A: I can see a whole lot of trouble for you with this claim. First of all I am assuming that your ...
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| taxi accident | 10/28/2007 |
Q: I was the passenger in a taxi in NYC. The taxi crashed against another car. I was injured and taken ...
A: by law they MUST send you a no-fault application for benefits within 10-15 days after receiving ...
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| Intersection Accident | 10/27/2007 |
Q: While crossing an intersection my vehicle was hit in the right rear passenger side. The impact ...
A: I need to know if there was either a stop sign or yield sign against you before I can answer this ...
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| Car Accident | 10/27/2007 |
Q: I was involved in a rear-end collision where I believe the person who hit me did it intentionally, ...
A: you can pretty much forget about having that police report changed whether you go to the station of ...
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| taxi accident | 10/26/2007 |
Q: I was the passenger in a taxi in NYC. The taxi crashed against another car. I was injured and taken ...
A: N.Y. is a no-fault insurance state for medical expenses, lost wages, and "other rasonable and ...
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| open door hit in parking lot | 10/25/2007 |
Q: I was just hit in a local business' parking lot. I was exiting my vehicle through the drivers side ...
A: you should expect an answer from the other driver's insurance company very shortly. They will ...
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| Wreck without insurance | 10/25/2007 |
Q: A friend of mine had a few drinks and I decided to drive because I was sober. It was his car with ...
A: I am assuming that this was a one vehicle accident and that there was no damage to any other ...
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| Uninsured Claim | 10/25/2007 |
Q: Richard, Thank you for your time in reading this question, any help or advice would be greatly ...
A: your bills should be paid and also some part of your wage loss claim. If your private health ...
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| No insurance in an accident | 10/24/2007 |
Q: In Nov '96 I was involved in an accident that was my fault. My insurance had expired the night ...
A: the first thing you must do is to obtain copies of your checks for payment of this settlement as ...
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| STOLEN VECH | 10/24/2007 |
Q: RICHARD, I LIVE IN LAS VEGAS, AND MY CAR WAS RECENTLY STOLEN. (TWICE IN ONE MONTH!!) THE FIRST TIME ...
A: the first thing to do is to file a claim with your roadside assistance company for the towing fee ...
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| claim | 10/23/2007 |
Q: when my car is hit by another car and I file a claim against their insurance what are my rights as ...
A: obtain two estimates of the damages and also go to the Carfax, Edkins, and Kelly Blue Book websites ...
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| Car Accident | 10/23/2007 |
Q: I was involved in a rear-end collision where I believe the person who hit me did it intentionally, ...
A: this is a hit in the rear event and nothing else! The idiot that hit you was obviously drunk or ...
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| auto lien | 10/23/2007 |
Q: Last year I bought a used car for a nominal price from the original owner without any liens showing ...
A: this seems to me like some sort of computer mixup on the part of the DMV. Hopefully you have a copy ...
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| both parties refusing to admit responsibility | 10/6/2007 |
Q: My husband was stopped at a stoplight and was rear-ended by vehicle 1 and 2. Both parties are ...
A: the answer is a little of both. In an event such as this with two defendants pointing fingers ...
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| Car hit by car backing out of parking space | 10/6/2007 |
Q: My wife was in our Pathfinder in a parking lot aisle and was about to make a left hand turn into a ...
A: the other vehicle's insurance company is merely attempting to work out the best possible deal they ...
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| two insurance companies won't pay | 10/5/2007 |
Q: My son was driving a truck which was titled to someone else. The title holder was insured and so ...
A: the insurance company for the still titled owner of the truck is liable for paying for the damages. ...
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| Homeowner Assoication Insurance & Third Party Claims | 10/5/2007 |
Q: What is a third Party Claim? If I live in a condo as one of the owners and my foundation is ...
A: you cannot sue the insurance company because they are not the responsible entity for the maintenance ...
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| two insurance companies won't pay | 10/5/2007 |
Q: My son was driving a truck which was titled to someone else. The title holder was insured and so ...
A: I will need to know the exact reasons for the denials and also a clarification of this "title was ...
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| My car was hit by a stolen car during a police chase | 10/4/2007 |
Q: My car got hit during a major police chase by a stolen car the police say. I only have liability, so ...
A: take pictures of the damage, get two estimates of the repairs and send a claim into the police ...
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| vehicle damage by mechanic | 10/4/2007 |
Q: I had the windshield replaced in my vehicle & was waiting other work & my vehicle was hit causing ...
A: of course you can sue the mechanic in small claims court. Garages have shop insurance and this ...
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| Can judgement against vanished car owner in small claims be against insurance co? | 10/4/2007 |
Q: After claim was denied, I took car owner to small claims court in NYC. Car owner shows up without ...
A: , the person at the N.Y.S. Ins. Dept. gave you crazy information and the clerk at the court was 100% ...
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| Car Insurance | 10/4/2007 |
Q: I phoned my insurance company last week saying i was canceling my new cover, the man on the phone ...
A: you are more than welcome. Please do not let the insurance company get away with this. I have seen ...
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| rear ended by uninsured driver | 10/3/2007 |
Q: I was rear ended by a driver who I was told by the cop had insurance but just found out from my ...
A: as soon as you get the police report sue both the driver and the owner for your property damage in ...
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| Canceled auto insurance | 10/3/2007 |
Q: My auto insurance was canceled by mistake by my agent. when my finance company got the notice it ...
A: that insurance agent is full of hooey!! Get all of your expenses that are directly related to the ...
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| damage to my car caused by a child | 10/3/2007 |
Q: Whilst driving my car was hit and damaged by a child throwing stones. I believe I can identify the ...
A: yes, I have personally seen this done successfully. The parents must be notified by you and given a ...
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| hti and run | 10/2/2007 |
Q: approachign a stop light I was hit in the rear of my car, spin counter clockwise and pushed into a ...
A: if this hit and run driver and vehicle cannot be found I am afraid that you are going to be stuck ...
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| Car Insurance | 10/2/2007 |
Q: I phoned my insurance company last week saying i was canceling my new cover, the man on the phone ...
A: given all that you are telling me I believe that the insurance policy was still in effect on the ...
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| My car was hit while parked | 10/2/2007 |
Q: My car was hit in the front. There is about $1000- $1500 worth of damage. I have a $500 ...
A: since you were not driving your vehicle at the time of the event then your premiums should not rise ...
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| rights in an auto accident | 10/1/2007 |
Q: Yesterday my sister was driving my 2005 4 dr sedan dodge stratus in a residential neighborhood. A ...
A: first thing you should do is to calm down. If that adjustor says there is a 90% chance that the ...
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| who to sue in small claims court | 9/30/2007 |
Q: I was in an accident with a driver driving a rental car. He purchased coverage through the rental ...
A: then you should be good to go. More than likely the insurance company will concede the liability ...
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| who to sue in small claims court | 9/30/2007 |
Q: I was in an accident with a driver driving a rental car. He purchased coverage through the rental ...
A: the small claims court in your county lacks jurisdiction over anyone out of state so you will only ...
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| 3 car incident | 9/30/2007 |
Q: I was at an intersection making a left turn and proceeded with caution into the intersection and ...
A: you are doing O.K. so far. Stress that the light for you was green when you entered the ...
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| both parties refusing to admit responsibility | 9/27/2007 |
Q: My husband was stopped at a stoplight and was rear-ended by vehicle 1 and 2. Both parties are ...
A: the way I am reading this the two other drivers are disputing which one of them made the first ...
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| hit by so called stolen car | 9/26/2007 |
Q: I was hit by a driver who's licensed was suspended. His GF is the owner of the car and she is know ...
A: you will most likely have to sue the titled owner of the vehicle. She will have to give the summons ...
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| 3 vehicle accident, I am at no-fault, one veh. left the scene | 9/26/2007 |
Q: I was driving in the left lane, way upfront there were 2 vehicles: one in the middle lane, another ...
A: there is nothing to worry about the no-fault insurance covering the medical bills as long as they ...
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| Parallel Parking - possible low speed collision | 9/26/2007 |
Q: My girlfriend and I were parallel parking into a tight space. There was a 08 Yukon behind us that ...
A: this is purely an attempt to "shake you down". Call your insurance company immediately and allow ...
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| 3 vehicle accident, I am at no-fault, one veh. left the scene | 9/26/2007 |
Q: I was driving in the left lane, way upfront there were 2 vehicles: one in the middle lane, another ...
A: first, have you filed a no-fault application yet? In N.Y. all related and necessary medical ...
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| Michigan Parking Lot accident Law | 9/25/2007 |
Q: I hit another car (both driven) in a mall parking lot last weekend. The person I hit did not want ...
A: based upon the last articles that I have read concerning Michigan's no-fault scheme you are correct ...
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| Uninsured car hit while parked | 9/25/2007 |
Q: I allowed the insurance to lapse on my Taurus after moving to the city because I mostly use public ...
A: unless the state this event occured has strict no-fault liability laws you are correct in your ...
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| Insurance using CCvalue | 9/24/2007 |
Q: I was hit in the rear by an uninsured driver (not owner of SUV). My insurance says my car is total ...
A: obtain evaluations from NADA, Kelly, Carfax, and Edkins and sue your insurance company in small ...
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| Disputing Negligence | 9/24/2007 |
Q: I'm from NY & I was in an car accident where I was crossing traffic, entering a parking lot and a ...
A: insurance doesn't work that way. The insurance company will not re-visit the negligence portion of ...
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| no fault claims | 9/24/2007 |
Q: Can a claim for no fault benefits be denied if the driver has been ticketed for DWI, but has not yet ...
A: I am very familiar with N.Y.S. no-fault denials. If this matter arose in N.Y. then the answer is ...
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| Friend wrecked my motorcycle | 9/24/2007 |
Q: I let me friend ride my motorcycle and he totaled it. No other vehicles were involved. I only have ...
A: anyone can sue anybody else for anything! Make sure that you have a police report if any, and at ...
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| What happens when you back out and hit your other vehicle parked in the driveway? | 9/22/2007 |
Q: What happens when you back out and hit your other vehicle parked in the driveway? I backed out ...
A: congratulations. If you read my initial answer fully you will note that I advised that your ...
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| child hurt in neighbors car | 9/21/2007 |
Q: my 6 year old son snuck into my neighbors car, he put the car in neutral and tried to get out, the ...
A: there is some amount of negligence on the neighbor's part for not locking his vehicle but there is a ...
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| parking lot fender bender | 9/21/2007 |
Q: My husband was pulling out of a spot in a parking lot today. He was all the way out of the spot, ...
A: I do not know in which direction he had been turning so I cannot with 100% accuracy make an ...
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| backing out of a driveway | 9/20/2007 |
Q: i was backing out of a driveway as i was leaving for work and hit another vehicle that was parked in ...
A: I hate to say this but the liability is all yours in this event. Vehicle and Traffic laws all say ...
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| hit and run? | 9/20/2007 |
Q: Ok so i as in a parking lot and backed out and bumped into a vehicle behind me...upon getting out of ...
A: I think that you are making yourself sick with worry and are looking for a problem where there isn't ...
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| Is NJ any different? | 9/20/2007 |
Q: I'm a little fuzzy on the 'no-fault' thing in NJ.. The other night a little old lady in a big Ford ...
A: no you are in no way negligent here. Take pictures of the damages because once the lady gives her ...
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| Business Insurance | 9/19/2007 |
Q: We are starting a company based here in Los Angeles, CA which provides office space within a ...
A: from purely an insurance standpoint I do not like this situation one bit. I can see where an ...
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| auto accident | 9/19/2007 |
Q: How can you access the insurance information of the individual if they refuse to give it to the ...
A: unless the accident was "open and shut" there is usually some amount of comparative negligence ...
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| Person with suspended license driving car insured in my name | 9/19/2007 |
Q: I was wondering if an person with an suspended license is driving an car insured in my name what can ...
A: if you had knowledge of this person having a suspended license then your insurance company might ...
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| Business Insurance | 9/19/2007 |
Q: We are starting a company based here in Los Angeles, CA which provides office space within a ...
A: this question should be covered in your company lease agreement with the building owner. I suggest ...
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| auto accident | 9/18/2007 |
Q: How can you access the insurance information of the individual if they refuse to give it to the ...
A: what Encompass is telling you is utterly preposterous! Any insurance database has access to this ...
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| auto theft | 9/14/2007 |
Q: My car was stolen about two weeks ago. The insurance company said they will make a payout after 25 ...
A: the insurance companies usually use one of the "book value" services. Try Kelly Blue Book, Edkins, ...
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| HOA tree removal liability | 9/13/2007 |
Q: A homeowner would like our HOA to remove a dead tree that is just beyond her property line (and on ...
A: I believe that you are asking about a scenario in which the homeowner does not remove the tree and ...
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| Disputing Negligence | 9/12/2007 |
Q: I'm from NY & I was in an car accident where I was crossing traffic, entering a parking lot and a ...
A: I would have to know more details about the event and how it happened to give you an opinion on ...
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| Hit by | 9/10/2007 |
Q: I have a question about a situation which is really bothering me. I live in NY and I was hit (rear ...
A: you might start by attempting to find out the case number of the theft from the police precinct that ...
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| Wife Wrecked Father's Car | 9/10/2007 |
Q: "My wife's father gave her permission to borrow his conversion van so that my wife could be the ...
A: In my opinion you only owe for the deductible. Merely because your father in law chooses to have ...
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| Hit by "stolen" car | 9/10/2007 |
Q: I have a question about a situation which is really bothering me. I live in NY and I was hit (rear ...
A: did the police get involved with this "theft"? If not or if the matter was never pursued then by ...
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| Car hit while parked, no insurance. | 9/7/2007 |
Q: Well i was at work while my car was parked in the driveway and a deliver driver from another company ...
A: unless there is some weird law in California regarding accidents on private property you should file ...
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| AM I COVERED? | 9/6/2007 |
Q: ""Im in CA. I WAS INVOLVED IN A HIT AND RUN WHERE MY VEHICLE WAS REAR ENDED BY A JEALOUS X OF MY ...
A: a dent? This is more like a broken seawall with a class 5 hurricane approaching! You can call your ...
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| AM I COVERED? | 9/5/2007 |
Q: ""Im in CA. I WAS INVOLVED IN A HIT AND RUN WHERE MY VEHICLE WAS REAR ENDED BY A JEALOUS X OF MY ...
A: unless you were under the influence at the time of the event the criminal matter is incidental to ...
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| auto insurance rates | 9/5/2007 |
Q: i am 16yrs old and i have had my license for eight months and yesterday i was in an accident. I rear ...
A: the increase will depend upon how much the damages are. Your insurance will definately not pay out ...
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| swerved to avoid child, hit pole. | 9/5/2007 |
Q: I live in a large development in MA where there is a shared garage for 100 or so cars. Children have ...
A: I do not see how your insurance company will deny this claim but I do recommend that you follow up ...
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| auto theft | 9/3/2007 |
Q: I let my friend take my truck to drop off money to a friend. He never came back. its been 3 days. ...
A: in my opinion you are going to be out of luck here. Your insurance company will claim "permissive ...
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| Fender Bender | 9/2/2007 |
Q: I hit a car from behind but don't think it was my fault. Here is what happened. I was following a ...
A: with the two witness statements to back you up I am sure that a claim can be proven against the girl ...
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| TX assignment of liability | 8/30/2007 |
Q: 3 days ago I was struck by a motor vehicle while crossing an intersection on a bicycle in TX. I was ...
A: I am afraid that you are out of luck on both counts here. If the witness says that the vehicle that ...
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| Water damage - NYC parking lot | 8/30/2007 |
Q: I own an old car which I keep parked in a New York City parking lot. The parking lot has a habit of ...
A: about the only thing to do here is to get the written estimates and then sue both the proprietors of ...
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| Follow up to | 8/29/2007 |
Q: To follow up on the last 2 questions, here are the facts of the event that you asked for: The ...
A: settle this mess with your friend for 1/2 of the damages. Merely tell him that if he sues then you ...
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| Insurance Law | 8/29/2007 |
Q: I was parked in a handicapped van which is for my nephew who was in the marine corp outside of a ...
A: I do not believe that you can make out a case against anyone for the damages. Dollar General will ...
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| regardnig private property accident | 8/29/2007 |
Q: Ok, I have 2 vehicles. my newest one is insured in my name. My second vehicle is never used and is a ...
A: since the vehicle is registered in your name you are on the hook but so is your fiance because she ...
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| Backing out of a parking space | 8/29/2007 |
Q: Subject Backing out of a parking space Question In the state of Illinois I was driving my car ...
A: I do not think that it was me who answered this question in the first place. I do not know who ...
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| auto accident in parking lot | 8/29/2007 |
Q: About two weeks ago I was in an accident in a parking lot. I waited till it was clear to back out ...
A: this scenario is a toughie for you because a person who is backing out of a parking space is always ...
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| My car was hit while parked. | 8/28/2007 |
Q: I do understand that I have no fault but here is my question. Will I have to contact my insurance ...
A: since the accident occured while your vehicle was still registered and insured in N.Y. at the time ...
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| brand new truck damaged | 8/28/2007 |
Q: My 5 day old new truck, with under 500 miles on it, was struck while parked on the street. ...
A: what you want is only a pipe dream. The only way that any insurance company would do what you seek ...
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| Parking Lot - backing up | 8/27/2007 |
Q: I read through the questions and answers and saw a lot of backing up issues. Guess this is becoming ...
A: the backing up woman is at fault. Period and case closed! Your mother has absolutely no duty to ...
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| follow up question to "at fault driving friend's car" | 8/27/2007 |
Q: I was hoping to get a bit of clarification on your remark that: "Of course he can sue you but in ...
A: I thought that this accident involved only your friend and yourself. Were others in the vehicle? ...
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| unsafe poles at gas stations | 8/26/2007 |
Q: hey richard I have had a similar accident involving a 3 foot concrete u at a gas station that was ...
A: I answered a similar question some time ago but this scenario is quite different. In your case that ...
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| h | 8/26/2007 |
Q: live in bklyn new York am occasional driver, registered owner lives in bklyn but is secondary named ...
A: you had better use the Brooklyn address. The issue is not about parking tickets, towing etc. but ...
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| my car was hit by a stolen car | 8/25/2007 |
Q: will the other car's insurance company pay for my car's damages even if his car was stolen and he ...
A: theft is considered "non-permissive use" and the insurance company for the other vehicle will deny ...
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| At fault driving friend's car | 8/24/2007 |
Q: I was driving my friend's car (with my friend riding as a passenger) when i scraped the side of the ...
A: This "friend" has jeopardized any right for any claim to be made against any insurance by not ...
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| Car wreck-my fault | 8/23/2007 |
Q: I accidentaly wrecked my cousin's car recently. I was T-boned by a coming car and I was given the ...
A: the answer depends upon the value of the vehicle that you caused to be wrecked. If the vehicle was ...
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| I bought a stolen car | 8/22/2007 |
Q: From what I've been told by a detective in Denver, a lady purchased a car with a bogus cashiers ...
A: somehow we are not connecting here. I know that the title to the car was signed over to the bogus ...
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| Rear end accident in my wife's car | 8/22/2007 |
Q: I was in a car accident in GA, my fault. I rear ended a car and caused a chain reaction accident. ...
A: Allstate is probably having the legal or senior claims staff poring over the original insurance ...
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| Parking lot accident | 8/21/2007 |
Q: I was driving in a parking lot and came to an intersection in a parking lot and "t-boned" the other ...
A: technically a case could be made out against the school for not properly maintaining the lot but it ...
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| I bought a stolen car | 8/21/2007 |
Q: From what I've been told by a detective in Denver, a lady purchased a car with a bogus cashiers ...
A: I do not see how the method of payment changes anything. The initial seller HAD to sign over the ...
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| Rear end accident in my wife's car | 8/21/2007 |
Q: I was in a car accident in GA, my fault. I rear ended a car and caused a chain reaction accident. ...
A: in my opinion you are going to be stuck with any judgements over and above the limits of your wife's ...
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| I bought a stolen car | 8/21/2007 |
Q: From what I've been told by a detective in Denver, a lady purchased a car with a bogus cashiers ...
A: the original seller of the vehicle gets to keep the vehicle. Unless you purchased the vehicle with ...
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| No insurance but I was hit in my parking lot | 8/20/2007 |
Q: I live in Louisiana and my car was parked in my assigned parking space at our mobile home park. My ...
A: I strongly recommend that you run this Louisiana law by an insurance agent who will know the ...
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| Rental car Accident | 8/18/2007 |
Q: Yesterday my daughter, who is 18 years old, rear ended another car while driving in bumper-to-bumper ...
A: the way I see this situation is that your insurance company will have to pay the claims from both ...
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| Neighbor Diverting Rain Surface Water Lawsuit | 8/17/2007 |
Q: Filed a small claim (didn't knowing def's.insurance co. at the time) against neighbor for Private ...
A: I'm not quite sure that I fully understand your question. Has the small claims suit been ...
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| car accident | 8/16/2007 |
Q: in June I was involved in an motorvehicle accident, I was hit by a vehicle in the rear. I have ...
A: this happens from time to time. What you have to do is to sue the at-fault driver for your damages. ...
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| File with my insurance Company | 8/15/2007 |
Q: My husband was in a car accident on July 27,2007 & hit in the back while sitting still & the ...
A: the insurance company is really not very late with this claim at this point. Have they at least ...
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| Hit Car Backing Out of Driveway | 8/14/2007 |
Q: I recently was backing out of a friend's driveway and hit her neighbor's car who happened to be ...
A: vehicle and traffic laws are all the same regarding backing out of a parking space or driveway. The ...
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| insurance business model | 8/14/2007 |
Q: I was wondering how exactly an annuity life insurance company makes money. more specifically, on ...
A: annuity life insurance is one of the safest forms of investment although they do not provide a high ...
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| Parking Lot | 8/13/2007 |
Q: I was in a hospital parking and I pulled up to the concrete block that keeps ones car from going ...
A: I was afraid of this. Since all of the concrete barriers had these anchoring spikes there was no ...
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| Parking Lot | 8/12/2007 |
Q: I was in a hospital parking and I pulled up to the concrete block that keeps ones car from going ...
A: I need to know if this metal spike was the only one that was sticking up or was some sort of vestige ...
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| Hit by driver who is denying fault | 8/10/2007 |
Q: 3 months ago, I was turning left at an intersection where I had a green light. I was almost done my ...
A: first, have you sent copies of the photos to your insurance company, and secondly did you get ...
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| AT-FAULT FINANCIAL RESPONSIBILITY | 8/9/2007 |
Q: I was recently side swiped by an idiot. The police report clearly states, as well as shows pictures ...
A: you are going to have to get two estimates of the damages and then sue both the driver and titled ...
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| multi car accident - rear ended | 8/8/2007 |
Q: Here is the situation.Right before this part of the highway there is a 3 way split off. 2 cars ahead ...
A: multiple vehicle chain gang collisions are always tough! I do not see how you can be blamed for ...
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| Maternity Coverage within a Waiting Period | 8/6/2007 |
Q: First off, I apologize if this is the wrong kind of question for you or not. I really don't know who ...
A: no need to apologize for seeking out assistance. The problem you have is one of contractual law. ...
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| stolen after handing over keys | 8/4/2007 |
Q: I handed my keys to a person I thought was my friend's friend to get beer etc out of my car and he ...
A: through the many years that I have been volunteering I have had questions involving "odd" scenarios ...
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| Damage to vehicle by employee | 8/2/2007 |
Q: I received damage to my vehicle by an office supply company employee. She was loading a 40 pound ...
A: In my opinion you have every right to make these claims and every right to expect them to be paid! ...
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| Rental car accident | 8/1/2007 |
Q: Hey Richard, I took a rental car from Avis and i hit a rock and car was damaged badly and i have ...
A: are you asking if your own insurance will go up in the future? If so, the answer is no. You merely ...
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| multiple car accident. | 8/1/2007 |
Q: A couple of days ago i was involved in a multiple car accident in a freeway here in california. ...
A: You are responsible for the damages to car number three only. As long as that driver doesn't claim ...
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| Comprehensive claim | 7/31/2007 |
Q: My neighbors tree fell on my home and car. We had the adjuster come out and give the dealership ...
A: I do not see how anyone will be able to say with any certainty how or where the scratches on the ...
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| accident wasn't my fault | 7/31/2007 |
Q: My car was hit about a month ago the insurance said he is waiting for the estimate of the other car ...
A: I think that you meant to say is that the driver that caused the accident hit two vehicles. If that ...
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| If A Tree Falls in the City and No One Hears It... | 7/30/2007 |
Q: I recently became a victim of an extremely large Poplar Tree falling onto my vehicle that was parked ...
A: someone had better look at that tree before its' removal! If that tree still had life to it then ...
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| Comprehensive claim | 7/30/2007 |
Q: My neighbors tree fell on my home and car. We had the adjuster come out and give the dealership ...
A: since the insurance company is sending out the adjustor it signifies that they never received any ...
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| Comprehensive claim | 7/30/2007 |
Q: My neighbors tree fell on my home and car. We had the adjuster come out and give the dealership ...
A: you should have that mechanic friend check out the entire car if for no other reason than your own ...
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| stolen | 7/28/2007 |
Q: My vehicle was stolen and then recovered there was front end damage, missing navigation, headlights, ...
A: as long as the vehicle is not considered to be a "total loss" meaning that the repairs to it will ...
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| Hit by no insurance, only liability | 7/27/2007 |
Q: About 1 month ago my wife was hit from a driver with no insurance. My wifes car was pushed under ...
A: gather all of your information and receipts and send copies of them to the other driver via ...
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| Comprehensive claim | 7/27/2007 |
Q: My neighbors tree fell on my home and car. We had the adjuster come out and give the dealership ...
A: without good pictures of the passenger side of the car without the leaves on it there is no proof ...
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| truck causes accident but not involved | 7/27/2007 |
Q: On april 30 2007 i was involved in an accident. I was traveling down a 2 lane divided highway in the ...
A: your insurance company will not be of much use here because they are not paying any money out and ...
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| who should pay | 7/27/2007 |
Q: My apt manager was doing painting outside building, gave a map where to park away from the work. I ...
A: first forget about the appt. complex and management because they hired an insured tow truck company ...
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| Uninsured driver | 7/27/2007 |
Q: Someone turned left in front of me and I ran into them and totaled my car. She doesn't have any ...
A: if you do not carry collision coverage then your only recourse is to sue in Small Claims Court. Get ...
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| Hit a parked car - New York | 7/26/2007 |
Q: While backing out of my driveway, I hit a neighbors car door which was parked directly in front of ...
A: you should make up a "release of claim" form detailing the amounts of money you and the neighbor ...
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| Car insurance: Betterment? | 7/26/2007 |
Q: that was flooded during a bad storm on Long Island last week. The adjuster went to see it today and ...
A: ! There are all types of leases. Many times the person doing the leasing offers to buy the vehicle ...
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| Car insurance: Betterment? | 7/26/2007 |
Q: that was flooded during a bad storm on Long Island last week. The adjuster went to see it today and ...
A: I have heard of the term "betterment". If the repairs merely entailed replacing a few parts then it ...
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| car accident in california | 7/24/2007 |
Q: this morning I was driving down a narrow street when a woman backing up -out of her driveway (which ...
A: you merely report the accident to the woman's insurance company. The motor vehicle laws regarding ...
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| accident with rental car | 7/23/2007 |
Q: Richard, i rented a vehicle while home on vacation and got into an accident. I hit a deer. I didn't ...
A: I recently answered a similar question. What the adjustor is telling you regarding the area of your ...
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| Reimbursement for my totalled car- and a warranty | 7/21/2007 |
Q: I live in Oregon, but maybe you can give me a little insight. My van was damaged so much that I am ...
A: in my experience the insurance companies only pay for the book value of the vehicle and not for any ...
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| no insurane | 7/19/2007 |
Q: I was driving a friends car and i was stopped by the cops. I did not know that the car was not ...
A: New Jersey never fails to astonish me with their motor vehicle laws regarding insurance! Are you ...
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| Auto Insurance | 7/19/2007 |
Q: I am a customer of AllState. When I thought my accident was going though State Farm (A man ran a red ...
A: of course you should send Allstate the estimate as well as the one that was given to you by the ...
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| Auto Insurance | 7/18/2007 |
Q: I am a customer of AllState. When I thought my accident was going though State Farm (A man ran a red ...
A: I am not sure if I understand the part of your question which contains exactly who is going to be ...
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| insurance settlement/lien on house | 7/17/2007 |
Q: my daughter was involved in a car accident with her mom and received a injury that required stitches ...
A: I am not fully understanding the question. Is your ex-wife a part owner of the house? Is the lien ...
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| scuffed paint | 7/17/2007 |
Q: my wife and I was at a grocery store and when she opened the door to our van, she tapped the car ...
A: I cannot fathom why people are the way that this creep is but that's life. I do not see how you ...
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| Accident at gas station | 7/16/2007 |
Q: I scraped the passenger side of my car against a concrete pole at a gas station. The pole sit about ...
A: are you saying that the concrete pole is in an unavoidable location? If so then take a picture of ...
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| auto accidents with plpd | 7/16/2007 |
Q: My daughter and granddaughter were stopped and waiting to turn left with the blinker on when this ...
A: unless things have changed in Michigan it is a "no-fault" rather than a "tort" State and has the ...
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| Accident at gas station | 7/15/2007 |
Q: I scraped the passenger side of my car against a concrete pole at a gas station. The pole sit about ...
A: since this pole was a fixed and permanent object I am assuming that it served some purpose but I ...
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| PD Claim | 7/13/2007 |
Q: My truck was recently rearended in an accident, the real damage was not seen until the autobody shop ...
A: I have never heard of an insurance company agreeing to pay for any title fees, taxes or registration ...
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| Vehicle Stolen In Tijuana, Mexico | 7/13/2007 |
Q: My sister recently visited Tijuana, Mexico with her children to see the Circus. She was driving a ...
A: about the only thing that your sister can do here is to sue her insurance company for "failure to ...
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| Insurance refuse to pay claim | 7/13/2007 |
Q: My car was hit on the back by another driver. I called the police, but the other driver fled the ...
A: my advice remains the same. If your insurance company does not pay for the damages and go after the ...
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| Insurance refuse to pay claim | 7/12/2007 |
Q: My car was hit on the back by another driver. I called the police, but the other driver fled the ...
A: first make a claim with your insurance company and second sue the drunken liar who caused the damage ...
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| Car Accident, Not my fault. | 7/10/2007 |
Q: Last month I was in a car accident where a guy pulled across two lanes of traffic and I hit him. He ...
A: before suing the other driver in small Claims Court I suggest that you consult the various on-line ...
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| Insurance and a Secondary Beneficiary | 7/10/2007 |
Q: My father was killed by his wife of 6 years in December of 2003, they had no children together, He ...
A: you are going to have to hire a competent Attorney who specializes in Wills and Estates to handle ...
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| Dead tree on neighbor's property | 7/10/2007 |
Q: Large oak tree (3+ feet in diameter / 100+ feet tall) much of it dead; leaning toward my house. ...
A: I think that you should tell this neighbor that he is going to be liable for any and all damages to ...
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| insurance for rental insurance | 7/10/2007 |
Q: Richard, i rented a vehicle while on vacation from the airport but chosed not to get the insurance ...
A: somehow your insurance company has this claim mixed up. Your insurance company has to cover this ...
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| reversing & in a parking lot accident. | 7/10/2007 |
Q: i was in an accident in May 2007. I was parked between two cars slowly backing out of a parking ...
A: this is very confusing in that a person who is backing out of a space is almost always considerred ...
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| Home Owners Insurance | 7/9/2007 |
Q: Our grond floor condo has sustained water damage from a leak in the condo above. The owner of the ...
A: I know that Florida has no-fault laws for motor vehicles but I have never heard of it for homeowner ...
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| Auto Accident and Their Insurance Won't Pay | 7/8/2007 |
Q: I was involved in an auto accident on a highway last month. The person who hit me drove over into ...
A: this is utter nonsense! Get all of your proofs such as estimates of your damage, the police report ...
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| homeowner's insurance | 7/8/2007 |
Q: My roof, awnings, and siding were recently damaged in a hail storm and I am having a problem getting ...
A: I am not in the building trades so I do not have any knowledge of what types of products are or are ...
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| question about who's at fault in a parked-car accident | 7/7/2007 |
Q: Richard! I'm hoping you can help me out. A few nights ago, I was in my friend's car. We were parked ...
A: it took me a while to visualize this scenario but I think that I have it now. The double parked ...
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| Car accident no insurance | 7/6/2007 |
Q: Let me explain what happened first my car had no insurance. my friend was using it and they got into ...
A: both you and your friend are responsible here. Since your friend claims that he or she was not at ...
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| Virginia accident which involved a fatality | 7/5/2007 |
Q: I was in an auto accident May 9th, 2007. A general contractor had lost part of his load of plywood ...
A: this is a case that can and ultimately will get tried before a jury. My advice is to seek out ...
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| Friend wrecked my car | 7/1/2007 |
Q: When your vehicle was in a accident with my friend driving and me myself not present does my ...
A: the left turn against your friend immediately puts him in the wrong but given the distance that he ...
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| Friend wrecked my car | 6/30/2007 |
Q: When your vehicle was in a accident with my friend driving and me myself not present does my ...
A: as long as your friend was driving your vehicle with your permission your insurance company will ...
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| Small claim | 6/29/2007 |
Q: I hit subtlely someone' car when I was driving my friedn's car with my temporary driver licence, ...
A: people cannot sue other people for doing wrong things unless they cause that person some monetary ...
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| dd | 6/29/2007 |
Q: what is the timeframe allowed to reopen a homeowner claim in ga. I want to reopen a claim I filed ...
A: this is really too specific for me. I suggest that you read your homeowners policy closely or ...
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| Car Stolen, No Insurance | 6/28/2007 |
Q: My girlfriend and I recently moved to Phoenix, AZ from Michigan. She cancelled the insurance ...
A: about the only recourses you folks have would be to review the lease agreement to see if the condo ...
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| wrongfully found at fault | 6/28/2007 |
Q: I am from California. A couple of weeks ago I received an unfavorable arbitration judgement for ...
A: I am both appalled and sickened by the slipshod manner that this entire event was handled by State ...
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| Uninsured Vehicle | 6/27/2007 |
Q: my friend gave me an old car for free in february 2007. I was driving that car to my house from his ...
A: perhaps I am missing something here but I do not see much of a problem. It is obvious that your ...
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| Insurance will not pay kelly blue book value | 6/27/2007 |
Q: Please help me! I was in a wreck 2 months ago.It was the other ladies fault. Her insurance ...
A: you are going to have to hire an Attorney for this matter because you are getting the shaft from ...
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| Small claim | 6/26/2007 |
Q: I hit subtlely someone' car when I was driving my friedn's car with my temporary driver licence, ...
A: your friend's insurance will be responsible as long as you were driving his vehicle with his ...
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| What is a | 6/26/2007 |
Q: I live in Colorado. I was hit and knocked off a road by a truck who says he swerved into MY lane ...
A: I knew that your insurance company wouldn't just "roll over" and give up on trying to get ...
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| What is a "phantom vehicle"? | 6/25/2007 |
Q: I live in Colorado. I was hit and knocked off a road by a truck who says he swerved into MY lane ...
A: I do not understand why your insurance company is not attempting to recover the monies they paid out ...
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| Small claim | 6/25/2007 |
Q: I hit subtlely someone' car when I was driving my friedn's car with my temporary driver licence, ...
A: I need to know what exactly it is that the other people are suing you for. Is it property damage? ...
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| Will my insurance cover? | 6/23/2007 |
Q: I just got into a bit of an accident. I was driving my new car (8 months old) and a truck moved into ...
A: technically when the vehicle is totalled and the check for its' value is given to you the vehicle is ...
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| Will my insurance cover? | 6/22/2007 |
Q: I just got into a bit of an accident. I was driving my new car (8 months old) and a truck moved into ...
A: your basic collision insurance will only pay for the current book value of the car and the GAP might ...
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| Should we file a claim? | 6/22/2007 |
Q: My friend hit a parked car while he was driving a rented moving van. He and the owner of the car ...
A: negligence does not depend on the owner or type of vehicle but rather with the driver that causes ...
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| Should we file a claim? | 6/22/2007 |
Q: My friend hit a parked car while he was driving a rented moving van. He and the owner of the car ...
A: it isn't that simple. All claims are reported to the Central Index Bureau and thus any and all ...
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| Should we file a claim? | 6/22/2007 |
Q: My friend hit a parked car while he was driving a rented moving van. He and the owner of the car ...
A: if the owner of the other vehicle files a claim his insurance company will go after your friends ...
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| Car door hit in parking lot | 6/17/2007 |
Q: As I was loading groceries into my parked & unoccupied car via the door behind the driver's seat, ...
A: okay then it will be easier. I just wanted to cover all of the bases with my answer. If he was an ...
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| Car door hit in parking lot | 6/17/2007 |
Q: As I was loading groceries into my parked & unoccupied car via the door behind the driver's seat, ...
A: sorry about the mistake with the type of vehicle and yes, I am a dad twice over so thanks for the ...
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| Another Backing Up Question | 6/15/2007 |
Q: I've read that it's always the fault and responsibility of the person backing out of a parking space ...
A: forget about the gears because you couldn't possibly prove which gear was engaged at the time of ...
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| hit and run pay deductible | 6/14/2007 |
Q: i live in michigan and have a $500 deductible. i was hit in a parking lot and the driver left ...
A: this was a collision. The hit & run vehicle collided with your vehicle. Whenever you agree to ...
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| Car hit while parked | 6/11/2007 |
Q: My car was hit while parked in my stall. My neighbor admitted it and asked for estimates. So I got ...
A: of course they can deny hitting it if they want to be known as lying deadbeats. Make sure that you ...
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| Car hit while parked | 6/9/2007 |
Q: My car was hit while parked in my stall. My neighbor admitted it and asked for estimates. So I got ...
A: when you say that they do not have insurance cards do you mean that they told you that they are ...
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| Two cars backing out driveways across street from each other | 6/8/2007 |
Q: I have seen the other backing out questions, but this one seems tricky. In NJ, my across the street ...
A: I thought that this sort of accident only occured in the movies. I do not see much of a distinction ...
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| bike has more damage | 6/6/2007 |
Q: i had a low speed accident and the damage on my bike was only cosmetic,i did involve the insurance ...
A: this is not a good situation for you. You can try to call the salvagers and the insurance company ...
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| Auto Libility | 6/6/2007 |
Q: This is second marraige. Wife owns property separate from me and vise versa. Thinking about ...
A: as long as the vehicles are solely owned, registered, and insured by the respective parties then the ...
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| unemployment | 6/5/2007 |
Q: i failed a d.o.t. random drug test and was fired from the company. the state of california denied ...
A: you have a chance but your former company will fight you tooth and nails. You do not have to be ...
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| my parked car bring hit :( | 6/5/2007 |
Q: I was recently at a friends house when I heard my car alarm go off. It turns out a woman backing out ...
A: the first thing to do is to contact the insurance company for the woman that struck your vehicle so ...
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| failure to yeild right of way | 6/3/2007 |
Q: this evening i was involved in a accident, where i was said to be the one at fault. i was doing a ...
A: now I can visualize the accident correctly. The other vehicle was coming from your right and struck ...
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| failure to yeild right of way | 6/2/2007 |
Q: this evening i was involved in a accident, where i was said to be the one at fault. i was doing a ...
A: If I am picturing this correctly the light and the hill were to your left. Your problem is that it ...
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| Sold Car Wrecked | 6/1/2007 |
Q: I sold my car to my friend last week, and gave him the title to get it in his name and was planning ...
A: the problem you might be facing is that technically the vehicle was still insured and registered to ...
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| Sold Car Wrecked | 6/1/2007 |
Q: I sold my car to my friend last week, and gave him the title to get it in his name and was planning ...
A: this is a bit thorny. When you say that you gave your friend the title to the vehicle do you mean ...
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| fender bender | 5/31/2007 |
Q: I was the only car in a very small convenience store parking lot. I began backing up and turning ...
A: if you are willing to settle for the 30% then fine. Writing to the Insurance Dept. is a good idea ...
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| Making left turn liability | 5/31/2007 |
Q: I was recently involved in an accident involving a left turning vehicle. I was traveling on the ...
A: do not worry about the striking vehicle thing. The left turning vehicle is still at fault. That ...
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| No fault insurance - is everyone covered? | 5/31/2007 |
Q: My boyfriend was riding his motorcycle in New Jersey and came to a very bad kept road with very big ...
A: unfortunately I do not know of any State which provides for no-fault medical insurance for anyone ...
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| fender bender | 5/30/2007 |
Q: I was the only car in a very small convenience store parking lot. I began backing up and turning ...
A: if there was claimable damage to your vehicle you can obtain 2 estimates and sue the other driver in ...
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| my car was parked and got hit by another car | 5/29/2007 |
Q: My car was parked and got hit by another car. The person had his mother as the insurer of his car ...
A: sure you can sue the other driver in small Claims Court. Give them a call to find out the ...
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| hit tire | 5/27/2007 |
Q: i hit a tire in the middle of the road that dropped off of a van and i do not have collision but i ...
A: this would be considered as negligence on the part of the driver of the van just the same as if he ...
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| my car was parked and got hit by another car | 5/25/2007 |
Q: My car was parked and got hit by another car. The person had his mother as the insurer of his car ...
A: the first thing to do here is to have either the adjustor or someone else in the claims dept. send ...
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| do i have the right to buy my vehical back | 5/23/2007 |
Q: ive made a claim to my insurance for my motorbike,they just came and took it away today,once the ...
A: I am sure that if you speak with the claims adjustor and explain that you want the bike back rather ...
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| do i have the right to buy my vehical back | 5/22/2007 |
Q: ive made a claim to my insurance for my motorbike,they just came and took it away today,once the ...
A: I do not understand your question. Did your insurance company tell you that the bike was declared a ...
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| hit and runs | 5/22/2007 |
Q: if a co worker used a company van and purposely hits someones car and truck does the insurance ...
A: as long as the co-worker had permission to drive the company van then the insurance company is stuck ...
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| car accident | 5/21/2007 |
Q: my son was in a accident hit by a company truck not his fault,driving a mint 89 mustang gt ...
A: the lawsuit against your insurance company will only gain a modest reward if any because they are ...
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| car accident | 5/18/2007 |
Q: my son was in a accident hit by a company truck not his fault,driving a mint 89 mustang gt ...
A: the most that any insurance is legally obligated in a matter such as this is the book value of the ...
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| Making Left Hand turn Signals in a Passing Zone. | 5/18/2007 |
Q: My question is about making a Left hand turn on a two lane rd(oneside oncoming traffic/other ...
A: this police officer must be either an idiot or on some sort of strong medication! Nobody is allowed ...
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| Denied Claim for Stolen Vehicle | 5/17/2007 |
Q: In February my vehicle was stolen from my work parking lot, witnesses seen the car parked but was ...
A: first of all lets avoid any and all past history here and concentrate on this loss. The amount and ...
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| Rims/Tires stolen while at mechanics | 5/17/2007 |
Q: The rims and tires were stolen off my car while it was at the shop. It was in their fenced-in area ...
A: your insurance agent is correct. The garage should have a "shop policy" in effect to cover such ...
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| Am I responsible? | 5/16/2007 |
Q: I let my ex-friend drive my car and he was in an accident. (I later found out that his license was ...
A: yes, you are responsible because the vehicle was registered and insured in your name. My advice is ...
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| This lady is claiming I scratched her car | 5/15/2007 |
Q: Today, in the morning when I sat in my car, I saw a paper on my window which had the persons name ...
A: the best thing to do here is to take pictures of the part of your car that this woman claims did the ...
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| This lady is claiming I scratched her car | 5/14/2007 |
Q: Today, in the morning when I sat in my car, I saw a paper on my window which had the persons name ...
A: If I were you I wouldn't do anything! Do not call this woman! Let her contact you again with all ...
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| Hit by a driver with no insurance, but my rates went up | 5/14/2007 |
Q: Last October my car was hit from behind by a driver with no insurance. She was ticketed for ...
A: you can do several things. Contact your nearest branch of the N.Y.S. Insurance Dept. to find out ...
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| Daughter's accident | 5/13/2007 |
Q: My daughter was involved in an accident at a gas station. She was pulling through from a connecting ...
A: I am now able to visualize the accident. It seems that both parties had a role in causing this ...
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| Staged accident? | 5/13/2007 |
Q: weather: raining. I was driving westbound, which is a one lane traffic lane, about 20-25 mph. Car ...
A: it seems to me that you are getting a double screwing here. First by the person you hit and second ...
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| Hit by a driver with no insurance, but my rates went up | 5/13/2007 |
Q: Last October my car was hit from behind by a driver with no insurance. She was ticketed for ...
A: it is legal for the insurance company to raise your premium but in my opinion it is arbitrary and ...
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| Daughter's accident | 5/13/2007 |
Q: My daughter was involved in an accident at a gas station. She was pulling through from a connecting ...
A: please give me a little more information and I will be able to help you. I need to know whether or ...
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| TRUCK ACCIDENT | 5/10/2007 |
Q: My husband and I leased a 2006 Freightliner M2 Business class truck from an individual. We have a ...
A: this problem is beyond my scope and I do not want to give you any wrong opinions or information. My ...
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| car accident | 5/9/2007 |
Q: In 2004 i bought a car and since the insurance would cost me 225/month, I asked my friend to put my ...
A: there are a lot of things that do not make sense to me here. A collection agency cannot go after ...
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| deer hit borrow car | 5/7/2007 |
Q: an auto shop give me a replacement car and a deer hit and broke the window, who is responsible to ...
A: In all of my years as an expert and my 30 years in Law I never had a question like this. The auto ...
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| Scratch on passanger side. | 5/5/2007 |
Q: I just noticed a long scratch on passenger side front & rear door. If I remember, I had parked my ...
A: Shah, You should merely tell your insurance company the truth. You had been shopping or tending to ...
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| No insurance | 5/3/2007 |
Q: I was involved in a car accident I did not have insurance at the time I hit a guy from behind after ...
A: you can and have denied this and of course the other driver or his insurance company can also sue ...
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| Car Totaled Undervalued | 5/3/2007 |
Q: My exhusband borrowed by van last week and hit a deer on th NYS thruway. The insurance adjuster told ...
A: the first thing you must do is to have that adjustor put all of the options he is suggesting to you ...
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| Accident in Gas Station - Scratched paint of the iron hoop | 5/2/2007 |
Q: I had an accident at a gas station with a moving truck. In this accident no one was injured and no ...
A: this sounds like a "shakedown" to me! They cannot send this matter to a collection agency before ...
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| DAMAGE LIABILTY | 5/1/2007 |
Q: My 19 year old step daughter was involved in an accident...in which the other driver mad a left turn ...
A: in an accident of this type and given the point of impact Mercury has a case for saying "comparative ...
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| rear end collision | 5/1/2007 |
Q: I was rear ended by an Expedition this weekend after being stopped in traffic. The damage to my van ...
A: the insurance on the Expedition will have to pay for your damages and the owner will have to go ...
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| damage by shopping cart | 4/30/2007 |
Q: My car was damaged by a shopping cart at Lowes. This happened in the parking lot. I was pulling my ...
A: I am afraid that you are out of luck here. Unless you saw and took information from the person who ...
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| hitting parked car obstructing driveway | 4/28/2007 |
Q: My neighbor parked his truck in our cul-de-sac, partially obstructing our driveway. I previously ...
A: this neighbor is somewhat of a creep but in actuality you would not be able to collect your damages ...
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| Accused of Hitting a car | 4/26/2007 |
Q: I live in the UK, just to clarify before starting. I have been accused of hitting another students ...
A: what you should do is to exchange the info but deny any contact with the other vehicle. Call this ...
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| INSURANCE RATE INCREASE DUE TO ACCIDENT | 4/26/2007 |
Q: My 17 year old son was pulling out of the parking lot where he works. It was a rainy night. The ...
A: the fact that your son was exiting a parking lot and the other truck had the right of way ...
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| Fear of Stolen Car Claim Denial | 4/26/2007 |
Q: My 2002 Toyota Camry was stolen out of my driveway on March 13th. A few weeks before I had some ...
A: I wouldn't assume anything but the response seems to be positive. Go to websites that give a free ...
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| Fear of Stolen Car Claim Denial | 4/25/2007 |
Q: My 2002 Toyota Camry was stolen out of my driveway on March 13th. A few weeks before I had some ...
A: the insurance companies can and have in the past issued denials based on conflicting facts and their ...
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| vehicle hit me | 4/24/2007 |
Q: I was stopped in traffic in July last year. Everyone was stopped all around me. Well I got slammed ...
A: give her copies of the estimates and if she remains balky then sue her in Small Claims Court. If ...
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| 1099 for Katrina Insurance Proceeds | 4/23/2007 |
Q: I am a homeowner whose home was severely damaged in Katrina. My lender took my windstorm insurance ...
A: this is a question best asked of a CPA but in general I assume that the lender is going to send the ...
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| No insurance | 4/20/2007 |
Q: I live in Indiana and I was involved in an accident that was not my fault. At the time I was not ...
A: get two estimates of the damages and your witness statements and sue the other driver for them in ...
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| insurance laws | 4/19/2007 |
Q: Why do insurance companies have the legal right to try and collect money from someone who hits one ...
A: if I am reading the question correctly you caused damage to another person's vehicle and you did not ...
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| traffic accident | 4/13/2007 |
Q: i was involved in a traffic accident this morning i live in colorado. I rear ended a lady who ...
A: apparently the woman you hit did in fact either call the police or went to the nearest station and ...
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| My Roof Is leaking and i just bought it. | 4/12/2007 |
Q: I have resided in the home as of April 29, 2006 and in January of 2007 . I received a call while on ...
A: whether or not the previous owner is responsible depends on your particular State law and also on ...
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| parking lot accident | 4/11/2007 |
Q: Recently my wife was double parked at school picking up our sick son when a teacher backed into the ...
A: the teacher is 100% at fault and her insurance company is merely trying to save money here. All VTL ...
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| I dont know | 4/9/2007 |
Q: I have a 85 Chevy Caprice. At work my car was hit and no one told me that they hit it. There is a ...
A: if your employer has a watchman then maybe you could make a claim but I doubt that it would have any ...
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| Cv Hit Ped In South Dakota | 4/8/2007 |
Q: I was hit by a drunk driver as a ped by cv on 7/13/03. The claimants insurance company denied my ...
A: In my opinion you should have a perfect claim for the additional $50K as long as they were put on ...
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| Subrogation | 4/7/2007 |
Q: Unfortunately, I see no TX lawyers listed with you but maybe you can tell me the general law about ...
A: I used to handle these matters{liens} all of the time for the law firm I worked in for 25 years so I ...
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| Car was hit while parked | 4/3/2007 |
Q: My vehicle was hit while parked at a cemetary for services. I got the other driver's insurance ...
A: I never heard of such poppycock! Call your insurance company and give them the details and let them ...
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| Hit and run accident | 4/3/2007 |
Q: On Sunday evening, I packed my Van at MalMart parking lot. After my shopping, I saw my VAN rear ...
A: unfortunately the answer is yes to this question. When you purchase an insurance policy with a ...
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| NYS Betterment Fee for Engine replacement | 4/2/2007 |
Q: During the last snowstorm I slid into a snow bank and severely scraped the bottom of my 2004 Mazda ...
A: there are a number of websites which can give you the value of your car as both the price you would ...
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| NYS Betterment Fee for Engine replacement | 4/1/2007 |
Q: During the last snowstorm I slid into a snow bank and severely scraped the bottom of my 2004 Mazda ...
A: I am not all that knowledgeable with betterment fees but I do know that they are applied to more ...
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| Multiple car accident | 4/1/2007 |
Q: We reside in the state of Texas. My son was the second car back stopped at a stop light, a pickup ...
A: since the trucker's wife came along with a policy number I am hoping that there was in fact ...
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| Subpoena | 4/1/2007 |
Q: I was rear-ended in October and my claim against the person who hit me was settled a month later. ...
A: you seem to be mixing apples and oranges here. I need to know what the other driver was given the ...
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| auto insurance | 3/31/2007 |
Q: My car was declared a total loss. The insurance is offering me the price of the car minus the ...
A: my advice is to sign the release for the insurance company and then sign over the title to the ...
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| auto insurance | 3/31/2007 |
Q: My car was declared a total loss. The insurance is offering me the price of the car minus the ...
A: I need to know where the wreck is right now and what if anything is salvageable from it. Generally ...
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| rear ended at stop light | 3/31/2007 |
Q: I was stopped at a stop light and I was rear ended Jan 30,2007 in Virginia. a cop witnessed the ...
A: ask your treating Dr. to prescribe an EMG of either or both your upper and lower extremities and if ...
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| Do I need an attorney | 3/30/2007 |
Q: My sister in-law borrowed our car. She had an automobile accident in it. She was going around a ...
A: if this matter ever goes to a jury the van driver is going to be found to be 100% at fault. As far ...
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| Fender Bender | 3/25/2007 |
Q: I walked to my car which was at my house. I noted that there was no car behind me as I got into my ...
A: it seems that the parents are giving you some type of "bum's rush" here. Tell them that you have ...
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| parking lot collision | 3/24/2007 |
Q: Richard, I have a question similar to another that you answered. I was the woman backing out of my ...
A: I am getting a lot of these backing out questions lately and my responses are mostly the same. ...
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| stolen car | 3/23/2007 |
Q: my 2 brothers and a friend of their's stole my mothers car one nite and used it to do a bunch of ...
A: if the friend was a passenger then he can sue your mom. He cannot sue her insurance company because ...
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| I hit someone without Insurance | 3/22/2007 |
Q: My name is William and I had a similar thing (like the Larry situation 5/22/06) happen to me a ...
A: what will happen to your license depends on the laws of your State, how long you were without ...
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| Private Parking Lot Accident | 3/20/2007 |
Q: My daughter, an assistant coach for local high school, was leaving from that nights practice through ...
A: Under the Vehicle and Traffic laws it is always the person that is backing out of a parking space or ...
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| Stolen Property | 3/20/2007 |
Q: I had my backpack stolen out of my car with a laptop and school books. Will auto insurance cover the ...
A: if you have fire,theft and burglary insurance commonly called comprehensive coverage you should be ...
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| I was at fault and I have no insurance. | 3/19/2007 |
Q: I backed into someone in a parking lot. I haven't recieved an amount on the damages. My guess is ...
A: you are mixing two issues here. The ONLY issue to worry about at the hearing should be the legal ...
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| destroying of minor settlement records. | 3/15/2007 |
Q: how long does an insurance company have to keep records on a juvenile that was hit by one of their ...
A: In most States it is mandatory for the insurance company to keep the records for either 7 or 10 ...
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| Private Parking Lot Accident | 3/13/2007 |
Q: My daughter, an assistant coach for local high school, was leaving from that nights practice through ...
A: if it weren't for that traffic flow issue the teacher would of course have been 100% at fault. Even ...
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| park car quetion | 3/12/2007 |
Q: OKAY MY CAR WAS PARKED INFRONT OF MY HOME, AND SOME GIRL DRIVING BY HIT MY CAR AND PUSHED IT NEXT ...
A: I do not understand what you mean by "the other people". If you mean the girl that hit your parked ...
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| Car Accident Settlement in MD | 3/11/2007 |
Q: Once your lawyer forward your case to the other party for a settlement, how long should it take for ...
A: how long will be up to the insurance adjustor and also your Attorney. The initial offer will be ...
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| Michigan insurance | 3/9/2007 |
Q: My husband was driving down a busy road a couple blocks from our home when a lady made a left hand ...
A: I know that Michigan has the best no-fault insurance in the country and thus your husband should ...
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| Required to carry insurance? | 3/9/2007 |
Q: I live in NH, a state that does not require auto insurance. Am I allowed to drive my car in a state ...
A: I do not know of any law that would prohibit your driving in other states as long as you were ...
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| Car rental and insurance claim | 3/8/2007 |
Q: Yes the statue does say that they have to tell me where to rent and they did not do that. The board ...
A: the Attorney General should help but if not then Small Claims Court will. It is too little money ...
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| Car rental and insurance claim | 3/8/2007 |
Q: I was involved in a car accident in October 2006. The body shop took a long period of time to fix my ...
A: you have several options here. Make a copy of the Illinois statute which states that the insurance ...
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| Backing on public road ran into from behind | 3/5/2007 |
Q: ------------------------------------------- The text above is a follow-up to ... Thank you Richard, ...
A: the officer is saying in his report that you passed the street you wanted to turn into and then ...
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| Backing on public road ran into from behind | 3/4/2007 |
Q: ------------------------------------------- The text above is a follow-up to ... Thank you expert, ...
A: I believe that you were in the right in this matter but that police report is damaging. Can you get ...
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| towing fees | 3/3/2007 |
Q: My sister got into an accident, but it wasn't her fault. Now, the insurance told her to get the car ...
A: are you saying that your insurance will also pay the deductible? This would mean that they have ...
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| car hit in parking lot | 2/27/2007 |
Q: My car was hit by a city plow. It was a 1985 Crown Victoria LTD in mint condition. The cost to fix ...
A: I do not know of any way to recover the other $700. The best you can do is to have the trunk fixed ...
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| insurance coverage | 2/25/2007 |
Q: I set my insurance payments to be debited out of checking account I gave my agent a canceled check ...
A: you picked the perfect expert to pose your question because I was privy to just such an occurence a ...
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| No insurance accident | 2/25/2007 |
Q: Today as I was going straight in a normal avenue all of the sudden this 22 year old girl came with a ...
A: if you did not have any controlling devices{stop sign, red traffic light, yield sign} then you were ...
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| Rental Truck Insurance | 2/16/2007 |
Q: I recently rented a truck to assit in a move. I purchased the no-deductable insurance from the ...
A: I suggest that you contact the insurance company and request that they mail you a copy of the ...
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| sister invovled in a accident | 2/13/2007 |
Q: what if I was to register the car under my name considering the fact that she was driving with a ...
A: this would not work because it would be after the fact. If the other driver's insurance is going to ...
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| sister invovled in a accident | 2/13/2007 |
Q: My sister was involved in a car accident the driver that hit her was at fault and he has insurance ...
A: the fact that your sister was not insured should not matter since it was the other driver that ...
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| health insurance | 2/10/2007 |
Q: I live in NJ, is it ok to leave my ex husband on my health insurance?
A: if this insurance is private then I do not see a problem. If this health insurance is through a ...
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| Hit by stolen car | 2/8/2007 |
Q: My car was parked outside of my house. Two men hit the car in a stolen vehicle. They tried to run ...
A: since you say that your insurance company will not help I have to assume that you do not have ...
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| insurance | 2/5/2007 |
Q: My husband is a painter. He was asked to get a certificate of no insurance by a home owner before he ...
A: apparently this homeowner is a nervous Nellie and is afraid that his homeowner's insurance policy ...
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| Avoidance | 2/5/2007 |
Q: A couple weeks ago, a car pulled out in front of me on a major highway, crossing the right lane and ...
A: given the circumstances that you describe the other driver's insurance company has a case. They are ...
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| car insurance settlement where is it | 2/1/2007 |
Q: My Son and I were in a car accident about 20 years ago and we received or I should say he received a ...
A: this should not be too difficult but may take some time due to the amount of time that has passed ...
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| Hit by someone with NO insurance | 1/23/2007 |
Q: On January 17, 2007, I was sitting at a full stop, getting ready to turn left (waiting for a car to ...
A: since you have already filed a claim with your insurance company for the property damages to your ...
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| car crash | 1/23/2007 |
Q: my boyfriend had a car crash which was his fault, the other car involved the lady suffered whip lash ...
A: this will be counted as one chargeable accident no matter how many people claim injuries and ...
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| car accident-no insurance | 1/22/2007 |
Q: i was recently involved in a car accident. i did not have any insurance on my car, i know bad me. ...
A: start out by leaving the deadbeat a message which advises him/her that if they do not contact you to ...
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| Homeowners insurance | 1/18/2007 |
Q: We recently experienced a large storm. The storm was so bad that it knocked out electricity for ...
A: I do not believe that trees are classified as "real property" for insurance purposes. A storage ...
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| Please help | 1/16/2007 |
Q: Im 18 years old, I was involved in an accident about 2 hours ago. i was making a left hand turn on a ...
A: O.K. calm down. The fact that you didn't have insurance will not matter as long as you had the ...
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| Full Coverage | 1/10/2007 |
Q: I am being harassed by a car rental company. They've sent me a bill for $2,727 saying that I ...
A: carefully check your final bill to make sure that it reflects the charges for the extra 3 days of ...
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| Parking Lot accident | 1/9/2007 |
Q: I was driving in a parking lot the other day and a woman backed out of her parking spot and smashed ...
A: if you have collision coverage on your vehicle then by all means contact your insurance company and ...
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| Insurance Fraud? | 1/8/2007 |
Q: I am trying to figure out a situation that is aggravating me .. two guys i know planed to make me ...
A: all I can say is WHEW! You have gotten yourself into a lot of "deep doo-doo" due to your bad choice ...
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| Hit and Run? | 1/7/2007 |
Q: The roads were kind of icy so most traffic was driving 35 mph instead of the 50 mph speed limit. ...
A: if you are the owner-driver then you would be covered under Washington State law because you should ...
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| car rental limited time? | 1/7/2007 |
Q: Richard, I was hit by someone else while I was driving their insurance is paying for the damage. ...
A: I am not aware of any such law. The other person's insurance company by law will only pay up to the ...
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| Applicant's Proof in Arb Forums | 1/2/2007 |
Q: I am responding to a New York No Fault Arbitration Application submitted to Arbitration Forums, ...
A: now I understand the question!! This is not a traditional arbitration matter for no-fault benefits ...
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| Applicant's Proof in Arb Forums | 12/29/2006 |
Q: I am involved in an Arb Forums matter in NYS wherein the applicant has not made any mention of the ...
A: I will need to know exactly what type of arbitration this is. Obviously you are representing the ...
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| Fender Bender | 12/28/2006 |
Q: I was in a parking lot fender bender recently. There is no police report as the police were not ...
A: you have every right to all you are asking here until such time that the other party or his ...
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| liability | 12/28/2006 |
Q: A taxi hit my parked vehicle in a mcdonalds parking lot. the driver told the police that he was ...
A: you are going to have to sue both the cab driver and the taxi fleet owner in Small Claims Court. ...
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| passive anti theft system | 12/20/2006 |
Q: I just read a similar story to mine. My car was stolen 4 years ago. The claim was denied because ...
A: the insurance company is sueing you? Did they pay for the theft 4 years ago and now want their ...
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| pats system | 12/19/2006 |
Q: my 1998 mercury mystique was stolen. the claim was denied because the car had a pats? system. Is ...
A: I have never heard of any "pats" system nor have I ever heard of ANY car that couldn't be stolen! I ...
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| Rental Car | 12/19/2006 |
Q: My car was recently stolen and recovered. It has been in the body shop since October 13th 2006 and ...
A: I know of no law regarding any time limits on repairs. Has the mechanic been paid yet? The best ...
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| New York Life will not accept consular report of death | 12/16/2006 |
Q: My husband died in Chiang Mai, Thailand this August. He carried a life insurance policy for $10,000 ...
A: the first thing to do is to contact the U.S. Counsel to Thailand and send them a copy of the denial. ...
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| Stolen Car recovered? | 12/12/2006 |
Q: Recently I had my 2003 Chevrolet stolen. The car was recovered after 5 days. Apparently the 2 ...
A: there is no way that you or any mechanic can predict what will happen to your car down the road. ...
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| Homeowners Insurance | 12/12/2006 |
Q: ..I friend and I were having a discussion. She fell while at a garage sale and broke her femur. She ...
A: your friend can technically sue for millions but the insurance company will only pay for what the ...
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| Uninsured driver hit me | 12/12/2006 |
Q: On November 3 a driver failed to stop at a stop sign before pulling out on to a 4 lane highway. It ...
A: you should sue the owner and driver of the vehicle. When they get the summons they will have to ...
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| Stolen Car - Any chance of being covered? | 12/10/2006 |
Q: I just recently had my car stolen from me. I had the car running while I carried things to and from ...
A: this is going to be a tough claim for you. Was the car on your property when the theft occured or ...
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| deductable paid for | 12/9/2006 |
Q: Recently was hit in a store parking lot. The police would not fill a report. The person at fault is ...
A: first thing is to file a claim with the at-fault driver's insurance company if you haven't done so ...
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| Was it my fault or no fault? | 12/9/2006 |
Q: Today (12/7/06) I was driving to campus, and I knew the roads were icy. I was driving less than 20 ...
A: The fact that the roads weren't salted or plowed makes it worse for you because it means that you ...
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| Accident Question | 12/8/2006 |
Q: My friend came over to my house, parked his car in my driveway, then left in another vehicle, ...
A: the accident is your fault. Whenever backing out of a driveway it is the driver's responsibility to ...
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| Stolen and Recovered Car | 12/8/2006 |
Q: My car was recently stolen and recovered a few days after, with substantial body damage and no ...
A: since the vehicle is worth more than the cost of the repairs your insurance company will not "total ...
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| No Insurance Accident | 12/7/2006 |
Q: So much for getting back 2 me, Well they have denied the claim. So now Im thinking about taking her ...
A: I did not not know that this was a red light/green light accident from your first question. This ...
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| Stolen Car | 12/7/2006 |
Q: I lent my 2nd car to an aquaintance since I wasn't driving it at the time. She was to borrow it for ...
A: you had better inform both the police and your insurance company and pronto! If you do not do this ...
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| No Insurance Accident | 12/5/2006 |
Q: I was in a car accident with another lady who hit my car. Her insurance just denied my claim saying ...
A: the only way you are going to have a chance at having your claims paid IS to sue the other driver in ...
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| stolen vechicle claim | 12/2/2006 |
Q: The windows were smashed and the interior got wet. I asked the insurance company for new interior ...
A: by betterment they are saying that the carpeting would have been worn and faded through useage and ...
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| parking lot accident | 11/23/2006 |
Q: I was recently involved in a parking lot accident in Texas. I had been backing out of a parking ...
A: the point of impact was the key element here. The damage was to your rear bumper and to the left ...
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| Preemptive information gathering | 11/21/2006 |
Q: Very recently, I was in bed at 3 in the morning, when i heard a thump outside, followed by a car ...
A: the only thing you can do is gather all of your proofs as to the condition of the vehicle for future ...
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| Really not my fault | 11/17/2006 |
Q: What do you mean by "the outcome will rest on the credability of the other driver". Sorry, but ...
A: what I meant was that since the white truck is a "phantom" the other driver has no proof that it ...
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| Accident | 11/17/2006 |
Q: A friend was in an accident, going west when a car that was going east made a left and crossed his ...
A: I need to know which state this occured in before I can answer this question properly but for now I ...
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| Really not my fault | 11/16/2006 |
Q: Our SUV was disabled (flat with no jack in car) and properly parked on the sholder of an interstate ...
A: in my opinion you are correct. Since there was no contact between the vehicle that hit your SUV and ...
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| CAR LIEN | 11/11/2006 |
Q: I DIDN'T GET A 10 DAY NOTICE, I WAS TOLD BY A RELIABLE SOURCE THAT IF THE DEALERSHIP, DIDN'T FILE ...
A: again I doubt this 10 day notice requirement. Ask the reliable source to show you the statute with ...
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| backing into parking | 11/6/2006 |
Q: I was moving into a parking space in a lot. The point of impact was the driver side rear bumper on ...
A: the answer to the question of fault lies with exactly how far into the parking space both cars were ...
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| Illegal alien causes horrific accident | 11/6/2006 |
Q: While heading to a day of fishing with friends and family my dad and I had the worst experience of ...
A: I am deeply sorry for your unfortunate situation but what you are seeking from me is a miracle-like ...
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| other partys insurer refuses to pay | 11/3/2006 |
Q: My daughter was rear-ended and pushed into the vehicle in front of her. She was then pushed into the ...
A: obtain a copy of the police report and at least two estimates of the damages and sue the driver that ...
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| I as sued for an accident | 10/21/2006 |
Q: I was driving on the highway, in California on the fast lane when a car entered in front of my car ...
A: since no other car came in contact with yours prior to your car hitting the other car then you will ...
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| Insurance Claim | 10/12/2006 |
Q: Also after the accident I suffered a miscarriage of our 5 week old baby, I have reason to believe ...
A: now I REALLY suggest that you consult with a Personal Injury Attorney! The loss of the baby might ...
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| car accident | 10/11/2006 |
Q: I have one moreshould I get quotes on my own for the damage to my car before the claim adjuster ...
A: if possible get two quotes. The insurance adjustor will of course give one that is considerably ...
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| no fault law | 10/10/2006 |
Q: I backed out of a parking spot last night and hit a car. I didn't see the car and he did not beep. ...
A: the liability in this matter is on you for backing up without having a clear right of way. The $500 ...
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| auto Insurance | 10/9/2006 |
Q: i got hit by a s-10 truck and they didn't have auto Insurance. the guy told me and the cop. but i ...
A: the first thing that you have to do is to get a written explanation from your insurance company as ...
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| Salvage motorcycle buy back | 10/8/2006 |
Q: I wrecked my Honda CBR 929rr motorcycle last week. I have State Farm insurance in Georgia. I took ...
A: with that much damage they might not even want it back or would be happy to reduce their payment and ...
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| Stolen car | 10/5/2006 |
Q: I am a Texas resident. My vehicle was stolen on August 24, 2006. The insurance company told me they ...
A: it seems that the individual adjustor is either dragging his heels or the company is stalling for ...
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| NY No Fault -v- Med Payl | 10/5/2006 |
Q: I had an accident in NY; my insurance is a PA policy; my carrier has not applied for c/o/authority ...
A: since your insurance company does not write in N.Y.S. then there can be no "reciprocity" and thus ...
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| Life Insurance | 10/5/2006 |
Q: Is it legal to have a life insurance policy on someone without their knowledge and approval?
A: I think that it would be impossible. The insurance company would probably want a health information ...
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| Auto Fire Claim | 10/4/2006 |
Q: We bought collector car insurance and they agreed to a value of 35,000 in case of total loss. The ...
A: the funny thing is that when I gave you my answer I thought about the car perhaps being a collector. ...
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| Auto Fire Claim | 10/3/2006 |
Q: Recently our 1969 Camaro caught on fire. The shop that is going to do the repairs said we need a ...
A: you can have the full job done and sign the insurance company's check as "accepted under protest" ...
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| truck hit while parked... | 10/2/2006 |
Q: My truck was hit while parked by a drunk that tryed to leave. The owner of the car being his mom is ...
A: of course someone has to pay for your damages! Tell this woman's insurance company that you are ...
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| Auto Accident in Texas and I did not have Libility insurance | 10/2/2006 |
Q: My daughter was involved in and auto accident in my vehicle on Saturday and she hit and other ...
A: the first thing you are going to have to do is to get a copy of the police report. If the other ...
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| Sold a Stolen Vehicle what's my recourse? | 10/1/2006 |
Q: Question On November 17, 2002, I purchased a vehicle from a private seller. The vehicle is pre 1975 ...
A: I think that your only recourse in this matter is to sue the person who sold you the vehicle. Given ...
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| A matter of fault | 9/30/2006 |
Q: my brother was just in an accident a while ago and I am confused about who's fault it is. He was ...
A: if the damage to the middle car was on the passenger side then it is the fault of the middle car for ...
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| licinsed driver in the household | 9/29/2006 |
Q: !! But my daughter does live with us because she is going to college. And we feel that lieing about ...
A: I suggest that you call other insurance companies and ask them for rate quotes and explain this ...
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| rear-ended while turning left at double yellow lines | 9/29/2006 |
Q: My Uncle was waiting to turn left across double yellow lines into his private driveway of his ...
A: send the insurance company a copy of the regulations that you are citing via certified mail and then ...
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| licinsed driver in the household | 9/28/2006 |
Q: I haved recieved notice from my insurance company that because my daughter lives with us she has ...
A: your insurance company is assuming that since your daughter is licensed to drive and resides with ...
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| A Backing out Car & a Forward moving car hit | 9/27/2006 |
Q: Today afternoon, when I was driving in the forward direction into a parking lot to park my car , ...
A: the truck is at fault and his insurance should pay for your damages because you were in a moving ...
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| No-Fault Accident | 9/15/2006 |
Q: I was hit in the rear end at about 10-15mph on September 10th in New York state, there was damage to ...
A: under N.Y. no-fault laws your only recourse for medical payments in an event such as this is through ...
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| Insurance Law | 9/15/2006 |
Q: I was rear ended a few days ago and my insurance said that they would cover my medical bills (NJ). ...
A: not against the other driver's insurance but you can submit any co-payments and deductibles to your ...
|
| Inquiry or claim | 9/15/2006 |
Q: My name is Linda, I live in Maryland. I called my homeowners insurance company (Horcemann) to ask ...
A: this seems like an unfair business practice to me. Horceman seems to be manipulating that innocent ...
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| Same-Insurance Claim | 9/14/2006 |
Q: She was already travelling on the shoulder when I hit her. The front right corner of my car hit the ...
A: the fact that the other driver was already occupying the shoulder means that you cut into her and ...
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| Same-Insurance Claim | 9/13/2006 |
Q: I was involved in a car accident while driving my girlfriends car which is registered under her ...
A: State Farm has to assign two adjustors in a situation such as this. Please get back to me regarding ...
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| hit from behind | 9/12/2006 |
Q: I got money for my bills but what about pain and suffering
A: provided that you did not sign any releases in order to obtain the income benefits and the medical ...
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| stolen truck | 9/12/2006 |
Q: my truck was stolen and the engine was blown now the ins company is saying because it had high miles ...
A: get maintenance records and sworn statements from mechanics and present them to your insurance ...
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| aUTO iNSURANCE | 9/11/2006 |
Q: My question is concerning auto insurance. I would like to switch my current auto insurance to a ...
A: you shouldn't have any problem here. You owe up until the day the new policy comes into force and ...
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| drunk hit and run | 9/9/2006 |
Q: Hey Richard, Recently I was driving home when a Jeep Cheroke while attempting to make an illegal ...
A: this is what happens when you try to be a nice guy. Since you have the correct plate your only ...
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| Insurance / Title Women Getting Divorced | 9/9/2006 |
Q: Rich: A NJ lady friend of mine is in a bind. Her husband moved out as part of a Separation. The car ...
A: I can see no way out of this for your friend except to call the police and report that the car has ...
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| Lapse in Auto Insurance Fees | 9/9/2006 |
Q: Back in the year 2002 I was laid off and remained unemployed for a period which was longer than ...
A: $2500??! That figure sounds off of the wall. Call them and ask them for a breakdown as to how they ...
|
| Florida auto insurance | 9/8/2006 |
Q: If a couple is married and have two vehicles insured on one policy, can they stay on the same policy ...
A: your best bet would be to stop in at an insurance broker and run this by them. The multi-vehicle ...
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| Car Accident Settlement | 9/5/2006 |
Q: My daughter and her friend was involved in a car accident and am wanting to accept the out of court ...
A: it is the other driver who should be worried about this. The other driver should be writing up a ...
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| unemployment insurance | 9/5/2006 |
Q: Do you know how long someone has after they've been terminated from a job to file for unemployment ...
A: I do not know of any time limitation but your best bet would be to call or drop in on the nearest ...
|
| car totaled | 9/2/2006 |
Q: WE HAVE 500.00 DEDUCTABLE, BUT THANKS FOR THE INFO. THE MAN THAT HIT MY HUSBVAND DOES HAVE FARMERS ...
A: It can't hurt to send in the receipts but I doubt that it would do any good. The difference in ...
|
| Property Interest After Fire | 8/31/2006 |
Q: Our house that was only 2 years old was struck by lightning three weeks ago and is as close to a ...
A: I am not an expert in a matter such as this but in my opinion what you are suggesting will not fly. ...
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| Suspended driver need to be insured? | 8/31/2006 |
Q: Richard, My son is 24 years old. He is currently under our insurance policy. (NJ) He has lost his ...
A: I see no reason why you cannot remove your son from the policy. Your agent would know best about ...
|
| Car Accident | 8/30/2006 |
Q: Recently, I was in a car accident. I was waiting on a stop sign and I couldn't see oncoming car ...
A: this is a toughie. Legally you should inform your insurance company immediately so that they can ...
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| car insurance non relative living in my home | 8/29/2006 |
Q: my son is 24 and still lives at home he is on our car policy .he and his girlfriend have a child ...
A: make sure that your son's girlfriend pays you by check and that the checks plainly state "rent" and ...
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| Insurance for child under 18 | 8/29/2006 |
Q: I am divorced and my ex-husband had previously had our daughter, who is 17, on his car insurance. ...
A: I do not think that your ex can do what he claims that he did without the insurance company calling ...
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| Liability | 8/29/2006 |
Q: My father was involved in accident last year July. He was in a shopping area an a parking bay ...
A: due to the circumstances of the event your father appears to have been negligent in causing the ...
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| auto accident | 8/28/2006 |
Q: I was in an auto accident where a woman ran a red light traveling east and hit my vehicle which was ...
A: this is a "red light-green light" case and the only way you could prove absolute liability would be ...
|
| Unemployment insurance | 8/28/2006 |
Q: I was working for a small company as the office manager and was laid off. While there, I was paid ...
A: technically when you are paid as a private contractor and receive a 1099 form it means that you are ...
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| Does permitted driver need insurance? | 8/28/2006 |
Q: I live in Tacoma, Wa with people that have become my gaurdian and I just got my permit in August. I ...
A: a learner's permit is not a license! A person who is driving on a learner's permit is insured on ...
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| Certificate of insurance for contractor | 8/23/2006 |
Q: I was told by our agent that we should obtain a certificate of insurance for any contractor who ...
A: if a workman hurts himself while working on your property and is not covered by any W.C. insurance ...
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| Car died after being repaired | 8/21/2006 |
Q: I have a 2002 Lincoln LS, I was rear-ended and the car was taken to a lincoln dealer autobody shop ...
A: bring the car into the body shop and let them have the problem repaired correctly. Send in the bill ...
|
| Car Insurance Claim Denied | 8/17/2006 |
Q: I was recently involved in an accident where the other driver, exiting a parking lot on the opposite ...
A: the easiest way to go about this is to sue the driver for the damages either in Small Claims Court ...
|
| Rear-ended | 8/15/2006 |
Q: My wife was involved in a three car rear-end accident. She was the front car at a stand still when ...
A: both the vehicle that actually made contact and the 3rd vehicle are liable. The insurance companies ...
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| Passenger in accident out of state | 8/14/2006 |
Q: On saturday, I was a back seat passenger in a car when the driver rear ended another vehicle. I was ...
A: either you or the driver has to report this accident for you to receive coverage for your planned ...
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| Auto insurance adjuster | 7/28/2006 |
Q: My brother was hit by a drunk driver on his motorcycle and killed. The adjuster has submitted a low ...
A: who pays depends on the State the acident occured in but most assuredly the other person's liability ...
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| Purchased stolen vehicle, do I have any recourse? | 7/28/2006 |
Q: On June 23, 2006, I purchased a vehicle from a private seller. The seller produced the original ...
A: boy what a scam! I would tell you to go after the Illinois agency that didn't pick up on the vin# ...
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| out of state | 7/28/2006 |
Q: Sounds like I need to know the Mass rules about registering if I am residing in the state. But in ...
A: The reason that I suggested that you find out the Mass. rules on matters of this sort is critical ...
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| denied health claims | 7/27/2006 |
Q: I recently had heart surgery. my insurer is bc/ bs of nj. The surgeon charged $24 000 but insurance ...
A: When I was still working in N.Y. I always had trouble with N.J. insurance to the point that I just ...
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| insurance company questioning full liability | 7/27/2006 |
Q: My motorcycle was legally parked on the street, and a woman in an SUV backed in to it because she ...
A: this sounds like a bunch of B.S. to me. Find out from your insurance agent if you had parked your ...
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| no insurance | 7/27/2006 |
Q: However, I am English and am not sure if the laws are exactly the same here. I have been warned by a ...
A: your friend doesn't know what he is talking about. An insurance company is not a government agency ...
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| out of state | 7/27/2006 |
Q: I have a car registered in Washington D.C. I own a home there as well. I just moved to Boston and ...
A: I suggest that you contact the Mass. Insurance Dept. and run this one by them. Mass. may or not ...
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| Auto insurance adjuster | 7/27/2006 |
Q: My brother was hit by a drunk driver on his motorcycle and killed. The adjuster has submitted a low ...
A: obtain a couple of estimates on the property damage and forward them to Geico. If they do not budge ...
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| no insurance | 7/26/2006 |
Q: On Sunday I was driving my car to town. As I was driving along a major road a car pulled out, ...
A: have mom write a letter stating that she gave you permission to drive her car on this occasion and ...
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| Phantom Vehicle | 7/21/2006 |
Q: Phantom vehicle allegedly strikes rear of one car, resulting in that car striking rear of another. ...
A: the car that was struck by the "phantom" pays the damages for the car in front and the collision ...
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| Auto Theft Claim Denial | 7/18/2006 |
Q: My car was stolen and recovered three days later with severe engine damage, but no evidence of ...
A: Insurance companies love customers like you! I recommend that you start writing certified letters ...
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| Do I have to pay? | 7/14/2006 |
Q: I was involved in an accident 6 months ago. I recently moved to NY from MI and was lost in Buffalo. ...
A: in New York State the no-fault insurance covers medical and lost wage payments and is payable by the ...
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| Foundation and structure damage | 7/12/2006 |
Q: I purchased a brand new home in 1999. Several years later, I started to notice evidence that the ...
A: I believe that you wanted to address this question of Denise and somehow it was sent to me by ...
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| Auto Insurance Claim | 7/12/2006 |
Q: I had a car accident and there was more than one part involved since it was a chain reaction. I was ...
A: you are going to have to re-read the law and seek restitution from the insurance of the vehicle that ...
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| damaged truck | 7/12/2006 |
Q: I hope you can give me your opinion on a big problem concerning an auto accident.I own a 1995 Ford ...
A: The problem as I see it is the pre-existing damage and repair to that frame. Your insurance is ...
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| REFUSAL TO PAY INSURANCE CLAIM | 7/2/2006 |
Q: I had a business insurance policy, when my business was broken into via the roof. This caused a lot ...
A: they can get away with it if you do not fight them on it. Read your policy carefully before hiring ...
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| beneficiary? | 6/30/2006 |
Q: I am trying to help the family of a 45 year old single female (never married, no children) who just ...
A: this question would be better asked of an estate Attorney but in general the rule is 1.down, ...
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| not insured at the time of accident | 6/28/2006 |
Q: I was involved in an accident on 6/7/05. The car that I was driving was in my sisters name, ...
A: this is a mess. First of all since the car is registered to your sister it is she who really owes ...
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| bad experience with insurance co. | 6/25/2006 |
Q: I have had a terrible time with my insurance company. My desktop computer was stolen. I have ...
A: if you so desire you can write certified letters to the Better Business Bureau, your State Dept. of ...
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| Self insurance | 6/24/2006 |
Q: Can you tell me how to self insure, and exactly what it is? Can you explain it to me like I'm 5 ...
A: self insurance is just that. A person contacts their State Insurance Dept. and asks how much of a ...
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| Insurance rate/household member | 6/22/2006 |
Q: ------------------------- Hi, Richard, Thank you so much for your timely response. The agent read ...
A: the only recommendation I can make here is to call various insurance companies regarding the rate ...
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| Insurance rate/household member | 6/22/2006 |
Q: I apologize in advance for the length of this question, but it's complicated. I recently changed ...
A: the agent is merely a salesman and generally they have no expertise in underwriting insurance ...
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| Question on Insurance | 6/21/2006 |
Q: it is now crystal clear.Thanks for your reply. However, I am not too clear on the following, can ...
A: to be sure that nobody else is put on the hook for an accident that results in a lawsuit have the ...
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| Question on Insurance | 6/21/2006 |
Q: However, I am not too clear on the following, can you advise? 1. If all the names are added on my ...
A: If you are the only person on your insurance policy and you do not own the house then you alone are ...
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| Hit while backing out of driveway | 6/16/2006 |
Q: Richard, My 18-yr old daughter (who is on my insurance) was backing out our driveway. She had ...
A: technically your daughter is responsible for the accident because VTL laws state that a person ...
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| Auto insurance deductible | 6/12/2006 |
Q: I was driving my friends car because she asked me to drive. We got into a car accident hitting a ...
A: the sharing of the $700 would depend on two things. 1. the reason that your friend asked you to ...
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| No Fault accident that was there fault | 6/10/2006 |
Q: I was recently in an accident. I was driving on the thruway at night. While I was driving I came ...
A: I have to give you some bad news here. Since there was no contact with the flipped SUV on your part ...
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| lapsed policy & hit and run | 6/6/2006 |
Q: I was recently parked in a legal zone and my vehical was hit and ran at high speed probably totaled. ...
A: you are going to have to do a plate search through your local DMV and then notify the owner and his ...
|
| Income Protection | 6/6/2006 |
Q: I am in the UK so I don't know whether you can help me with this one. I have an employer's income ...
A: in the U.S. the disability portion is known as an "offset" and is deducted while the applicant ...
|
| auto ins. | 6/6/2006 |
Q: auto insurance co. made me an offer for a settlement after 30 days(theft claim), I accepted, veh. ...
A: since the vehicle has now been found the deal is a non-issue. The insurance company will now ...
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| liability | 6/6/2006 |
Q: Dec. 2005 my heavy duty truck was in an accident not our fault. Hit head on by another driver. no ...
A: the insurance company should pay you for the value of your truck according to the Kelly Blue Book ...
|
| Lowe's at fault...who pays? | 6/1/2006 |
Q: Richard, I need some advice. Lowe's Home Improvement installed a new fridge into our kitchen ...
A: welcome to the Lowe's club for disgruntled consumers of which my wife and I are former members. ...
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| Accident while being towed | 5/30/2006 |
Q: Recently, while driving in snow near a ski resort, I pulled over to put chains on my wheels; a truck ...
A: the driver should have hitched your vehicle to his tow truck instead of dragging it with chains. ...
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| Confess? | 5/28/2006 |
Q: when he thinks he might have scratched the other car, he was listning to loud music so he ...
A: due to the astonished looks of the witnesses I assume that your friend did in fact cause the ...
|
| Interpretation of Insurance Law Regulation | 5/26/2006 |
Q: The insurer says they can charge depreciation on relaced parts. My interpretation of the ...
A: it took me three readings of your question and the regulations to fully understand what it is that ...
|
| driving someone else's car | 5/25/2006 |
Q: I was driving my father's car while in town and had parked it in a store parking lot. When I came ...
A: this particular event should not increase anyone's insurance premiums since neither yourself or your ...
|
| Accident with no insurance | 5/24/2006 |
Q: I appreciate it. Does it make a difference if the person I hit actually wrote in her police report ...
A: of course you should send the report. That is why I suggested that you attempt to do some "good ...
|
| Car accident | 5/23/2006 |
Q: It was a very wet day and i stopped quite suddenly at a traffic light after realising that i might ...
A: you are correct on all counts provided the light was already turning to amber. If the light was ...
|
| Accident with no insurance | 5/22/2006 |
Q: This past Friday I was involved in a small accident in which I rear ended someone. What happened ...
A: my advice is to try to negotiate in good faith with the insurance company because they will attempt ...
|
| Complicated. | 5/19/2006 |
Q: Around the end of 2002 I aquired my first car, established insurance with automatic-payment, ...
A: Oh brother! The first thing that you have to do is to contact the Attorney and ask them to send you ...
|
| life insurance | 5/18/2006 |
Q: my son recently died.he had told me that he had made me the beneficiary a few years ago.his father ...
A: I do not think that I can help much with this problem and suggest that you get back in touch with ...
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| Subrogation Notice | 5/16/2006 |
Q: Richard- I received a Subrogation Notice from a company called Credit Collection Services stating ...
A: this looks like an identity theft situation to me. First thing you should do is ask this Credit ...
|
| No fault compensation | 5/14/2006 |
Q: My 2006 civic hybrid was recently hit on the side by a car. I filed directly with the other ...
A: since the car insurance does not pay for gasoline at all I do not believe you have a valid claim but ...
|
| homeowners insurance coverage of stepson's actions at school | 5/14/2006 |
Q: My 14 year old son was involved in an incident at his Jr High school where another boy hit his head ...
A: I do not think that your new husband or his insurance are liable and further since there was no ...
|
| disagreement with adjuster | 5/9/2006 |
Q: I had a house fire that caused smoke damage. The fire was in November, 2004 (the previous adjuster ...
A: If the adjustor told you that the insurance company offer was a one-time one then you might have a ...
|
| Dented friends car | 5/4/2006 |
Q: I dented my friend's car a few months ago, i told her i would pay for the damages. She neglected to ...
A: if you had no insurance at the time you dented the car then there cannot be a claim made for the ...
|
| car hit by car wash employee while i wait in line | 4/28/2006 |
Q: here's my "paragraph" about what my story is. I was getting a car wash at a drive though type wash ...
A: you can contact your insurance company to see whether they might pay for the damages and attempt to ...
|
| CAR WAS HIT WHILE IN MECHANIC'S POSSESSION | 4/27/2006 |
Q: AM I RESPONSIBLE TO PAY FOR THE WORK THAT WAS SUPPOSEDLY DONE ON MY CAR AT THE AUTO SHOP ?HI ,I LIVE ...
A: since the work done had nothing to do with the accident that the mechanic claims wasn't his fault in ...
|
| CAR WAS HIT WHILE IN MECHANIC'S POSSESSION | 4/26/2006 |
Q: I LIVE IN SOUTHERN CALIFORNIA,MY CAR WAS IN THE SHOP GETTING THE TRANSMISSION REBUILT,THE MECHANIC ...
A: your best bet is to go after the mechanic's insurance since they have the responsibility under their ...
|
| Auto Accident | 4/26/2006 |
Q: My wife was in an accident. She was stop behind several cars, and a car ran into her. She and my ...
A: your insurance company may recoup their medical expense money from the at-fault driver's insurance ...
|
| Insurance dispute - Toledo, Ohio | 4/25/2006 |
Q: We own a farm in the country. It was vandalized and the vandals took the aluminum siding off of the ...
A: you had better read that clause very carefully. theft and vandalism are two different things. ...
|
| Stolen Vehicle | 4/23/2006 |
Q: My vehicle was stolen Oct of 05. I have recently been notified by a tow facility that they are ...
A: C., I think that you should contact the lienholder and let them work this out with the insurance ...
|
| Uninsured vehicle whose at fault | 4/21/2006 |
Q: My daughter who has no insurance was involved in accident in which her and the other vehicle had the ...
A: unless the trucker ran a red light your daughter is going to be held at fault for the accident. It ...
|
| Hit from behind in a rental - liability | 4/20/2006 |
Q: I rented a car during a trip to Canada last July and was hit from behind in a car park. I came to ...
A: The rental company should have asked for the entire amount but may have settled for $500.00 less for ...
|
| 3-car accident (no-fault) | 4/19/2006 |
Q: A couple of weeks ago, my car was parked out in front of my house on the street. There was a car ...
A: if I am correct in assuming that the vehicle that caused the entire mess was a hit & run or ...
|
| car insurance | 4/19/2006 |
Q: -Hi Richard, I live in NH. My Insurance Co. told me they could not go after his insurance to ...
A: I am not quite sure what it is that you are looking for. If your insurance paid the medical bills ...
|
| Prior Stolen Vehicle, I traded it in! | 4/15/2006 |
Q: I bought a vehicle on the Internet (eBay) from a private party. The VIN checked out okay, I even ...
A: relax for now since you haven't been served with any legal papers. If you are served then contact ...
|
| car insurance | 4/12/2006 |
Q: I was rear ended in car accident in NH. Why is MY insurance company paying the medical bills. I ...
A: your car is probably registered and insured in a state which provides for no-fault medical coverage ...
|
| car insurance claim | 3/29/2006 |
Q: couldl you tel me if a car insurance company has the right to decide to give the payout to a repair ...
A: I see no reason why State Farm wouldn't pay you directly but I sincerely doubt that they will pay ...
|
| ebay | 3/25/2006 |
Q: how are you going? I have a question about ebay if that's okay. I want to start buying and selling ...
A: I'm not sure on this one but I think that the manufacturer would still be liable in any eventuality. ...
|
| Friend's car hit while at my house | 3/20/2006 |
Q: My friend parked his car at our house while he was out of the country for 2 weeks. We did not use ...
A: I do not see you as being legally or morally responsible for the damages to your friend's car. His ...
|
| hit and run | 3/10/2006 |
Q: i was hit by a truck/trailer while stopped at a light..(he anticipated the light turning green soon ...
A: You are 100% correct in assuming that the culprit who is responsible for your damages is the truck ...
|
| car insurance | 3/3/2006 |
Q: I just recieved a note from my auto insurance, that they was uping my isurance because of my husband ...
A: I have never heard of anything so outrageous! What does a person's credit rating have to do with his ...
|
| Payout for no fault collision | 2/28/2006 |
Q: My car was recently hit while parked by an insured person. Their insurance company (state farm) has ...
A: I do not see any reason why State Farm would object to paying the damages directly to you. Your ...
|
| insurance-auto theft | 2/26/2006 |
Q: My vehicle was stolen and after approx 40 days the check was sent to me as the car had not been ...
A: This is a matter between you and your insurance company since they now own title to the car. I would ...
|
| Free hot air balloons | 2/22/2006 |
Q: I am a non-profit board member of the Friends of Balcones Canyonlnds NWR in Texas. We are having a ...
A: It seems like a fun event you are planning. Your best bet here would be to run this matter by your ...
|
| theft recovery | 2/21/2006 |
Q: I live in Arizona, My car was stolen and recovered 32 after the report was taken, it was ...
A: generally a vehicle is considered a "total loss" if the amount of money it will cost to repair it is ...
|
| Car Insurance and Prior stolen vehicle | 2/21/2006 |
Q: I am writing on behalf of my little brother. He accidentally bought a stolen vehicle. Despite the ...
A: You are going to have to give me more information on this one. I need to know who the car was ...
|
| auto insurance denial | 2/18/2006 |
Q: I purchased a new vehicle in June 2005, for $26,000.00. In August 2005, it was stolen from my ...
A: I really do not advise you to handle this matter yourself. Bring this matter to an Attorney who ...
|
| STOLEN CAR RECOVERED DURING CLAIM PROCESS | 2/17/2006 |
Q: My car was stolen in December and recovered by the police later that day. My car was then again ...
A: If you do not have any damage to the car after two robberies and recoveries you are indeed ...
|
| Auto Accident in paraking lot | 2/15/2006 |
Q: I had an accident in a parking lot a few days ago in my 2001 pontiac sunfire, I was backing out, ...
A: this is a little tough due to the fact that you were backing up into a moving lane of traffic and ...
|
| Car was hit in parking lot. | 2/14/2006 |
Q: My car was hit and damaged while parked in public lot at a movie theater. The damaged was ...
A: if the police were called and a report was made then by all means obtain a copy for insurance ...
|
| Hit and run accident | 2/13/2006 |
Q: I hope you can help me with some advice. My car was parked in front of my house. I heard a crash, ...
A: Calm down. The insurance company that insures the vehicle that caused the damages is denying ...
|
| What can i do | 2/7/2006 |
Q: I guess that i am in a real dilemma. Last saturday morning my neighbor came home around 2:30am at no ...
A: This is not a long question and I get ones like this quite often. You have two choices here. If you ...
|
| Need No Fault expert in attorney malpractice case | 2/6/2006 |
Q: Suit in Westchester County NY. Attorney failed to protect cleints right when on advise of attorney ...
A: I would have been perfect but I now reside in florida. Your best bet would be either Skip Short or ...
|
| No Insurance No police report | 1/24/2006 |
Q: Richard On January 7th I was involved in a minor accident in a gas station parking lot. A friend of ...
A: Without the involvement of the insurance company I would have told you to just ignore the other ...
|
| Hit pedestrian | 1/14/2006 |
Q: In April 2005, I hit a gentlemen riding a bicycle on the sidewalk. I was not cited, although the ...
A: Go with the company that quoted you the lower rate. Your current insurance company is stuck with the ...
|
| Auto Insurance policy error (not intentional) | 1/10/2006 |
Q: My husband was involved in an accident two days ago and we intend on persuing it as his being not at ...
A: I do not think that you have anything to worry about in this matter for several reasons. The first ...
|
| Towing fees | 1/6/2006 |
Q: Assuming the other party is found liable, who pays for these fees? My towing coverage is marked not ...
A: The insurance adjustors will come to a compromise on the liability percentages and pay that ...
|
| denial of auto insurance claim | 1/5/2006 |
Q: My son's car was totaled when he hit a car (car #2) that had spun out of control in front of him. ...
A: The crux of this situation is whether or not there was a third car involved. Did your son see this ...
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| insurance | 1/3/2006 |
Q: if a friends insurance runs out on their vehicle can u use your insurance to cover their vehicle if ...
A: Insurance covers the insured vehicle and all of the drivers listed on the policy and also a person ...
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| I'm at fault | 12/31/2005 |
Q: I was recently involved in an auto accident where I was at fault. There were no witnesses and no ...
A: I applaud your honesty and fairness! Always remember to take down the other party's insurance ...
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| police accident report | 12/27/2005 |
Q: thanx for your help, richard. the officer has relied upon the statements of drivers P2 & P3: P2 ...
A: Looks like the van operator is saying that your husband already hit the front car and that he ...
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| Accident no headlights | 12/25/2005 |
Q: I was making a left-hand turn about a 1/2 hour after sunset when a black car driving without ...
A: I hope that you have the names and phone numbers of the witneses since the P.O. may have been lax ...
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| Car Insurance | 12/22/2005 |
Q: About two years ago, I was rear-ended by a van in Minnesota. When police officer arrived, the other ...
A: Sorry that you did not get my answer to your question. This is a matter of choice on your part. You ...
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| police accident report | 12/19/2005 |
Q: my husband & son were involved in a 3-vehicle collision (his was the slowed-to-standing middle car ...
A: Your best bet would be to hire an Attorney and sue the van driver who caused caused the accident. ...
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| Is Digital Video Admissible? | 12/10/2005 |
Q: I mainly asked the question as I saw a site that said some states do not allow digital video as ...
A: Seems that I stand corrected. I knew about the videos in taxis but didn't think that it might be ...
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| Is Digital Video Admissible? | 12/10/2005 |
Q: I ran across this site and had a legal question regarding insurance. I own multiple vehicles ...
A: I do not see any reason why a video taped account of an accident would not be admissable. My concern ...
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| Report Incident/Make Claim? | 11/22/2005 |
Q: I need to know if it's a good idea for me to report the following to my auto insurance company (New ...
A: unless this damage is very expensive to fix I suggest that you just have it fixed and leave it at ...
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| Insurance | 11/14/2005 |
Q: Tennessee is a right to work state. I believe that basicallly that mean's a company doesn't ...
A: "Right to work" refers to laws that prohibit "Union shops". This means that a person cannot be ...
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| car accident | 9/19/2005 |
Q: i live in the state of florida. two weeks ago i was a passenger in a car that was rear ended, while ...
A: I recently moved to Florida and my insurance is about to switch. I would be surprised if what your ...
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| Hit and Run | 9/14/2005 |
Q: Yesterday 09/13/05 i had my car parked outside my house it didn't have insurance and another vehicle ...
A: Hopefully you have insurance on your vehicle that will pay for the damages. It would then be up to ...
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| General Liability Insurance Increase | 9/10/2005 |
Q: Richard, Thanks for responding to my question. It wasn't just a quote, we already have a policy ...
A: First let me say that my hat is off to you and your entire operation in that you are providing a ...
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| General Liability Insurance Increase | 9/6/2005 |
Q: We have insurance through Metro Allied North Insurance Agency here in Houston and they used Western ...
A: I answered this question by requesting further information. I needed to know if your firm merely ...
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| Insurance coverage | 9/1/2005 |
Q: My daughter just got her G-2 driver's license.She is now able to drive without a licensed driver in ...
A: Bet you thought that all of the parenting problems were going to end once the kids grew up! Your ...
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| what are the guidelines for betterment deduction | 8/25/2005 |
Q: -------------------------Thank you for your response. I already did contact the Dept. of Insurance ...
A: I checked around about Mercury and found that they are one of the bottom-of-the-barrel companies. ...
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| what are the guidelines for betterment deduction | 8/24/2005 |
Q: I would like to know what the insurance company's responsibility is in terms of documentation for ...
A: I am not familiar with California automobile law but I am well acquainted with insurance claims ...
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| Intent to deny auto claim | 8/12/2005 |
Q: I parked my car on the side of the street overnight at my house and i got Hit by an unknown driver. ...
A: You are saying that your car was hit by a hit and run driver while parked and the insurance company ...
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| Stolen vehicle, covered? | 8/5/2005 |
Q: My car was just stolen yesterday,Las vegas, NV., we filed a police report and made initial contact ...
A: as long as the car had stolen vehicle coverage in effect when it was stolen then I see no coverage ...
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| Do I have a worthy lawsuit? | 6/27/2005 |
Q: I own a small car lot in Texas. A customer asked me to find a Mercedes E320 for her. I agreed to ...
A: Sorry for this loss and the agravation this is causing you. Your saving grace in this matter is that ...
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| car accident | 6/13/2005 |
Q: I was in a car accident where I brushed the back bumper of the car in front of me and caused a ...
A: the person you hit is trying to shake you down! Just offer him $75 as a full and final settlement ...
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| Health Insurance for MVA | 5/20/2005 |
Q: I have a general question regarding health insurance coverage as a result of a motor vehicle ...
A: I can't help but laugh at this! Whenever I get stuck with N.J. no-fault on a case I begin to ...
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| insurance | 5/17/2005 |
Q: I want to get insurance but can u recomment some changes in what I presently have. I thank you. I am ...
A: you are in a situation which would be better served by a financial analyst but I can see some areas ...
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| car accident liability | 4/6/2005 |
Q: I will take them to small claims court. According to the building administrator they started plowing ...
A: Any affidavits or other correspondence regarding this event or any others in the past will be ...
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| Home owner's insurance | 3/30/2005 |
Q: We purchased a house in October, had it fully inspected. The house survived 3 hurricanes a few ...
A: there was no name on this question so I hope that All-Experts passes on my answer. You will have to ...
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| LIfe insurance reinstatement | 3/17/2005 |
Q: Is it true that when a check for reinstatement of a lapsed life insurance policy is cashed by ...
A: Your question is a contractual one. You would have to read your insurance policy carefully on this. ...
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| Callenge of Change of Beneiciary of Life Insurance. | 3/8/2005 |
Q: Sorry, I may have been a littly misleading. I am named as beneficiary in both the will and the ...
A: Your quick follow-ups seem to be more enlightening. I am glad that you haven't been written out of ...
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| Challenge of Life Insurance Beneficiary | 3/7/2005 |
Q: I challenged my deceased father's change of VA life insurance beneficiary ($50,000), and have ...
A: Wow. this is a major league problem. You would have to start out by finding out if your father left ...
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| Law regarding totalling vehicles | 2/27/2005 |
Q: I recently had an accident in the State of MO involving an uninsured motorist. I have full coverage ...
A: I do not know Missouri State Law but generally a "totalled" vehicle means that the cost of repair is ...
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| hernea at work | 2/22/2005 |
Q: The state industrial first approved the surgury for the hernea repair, but sent a second letter ...
A: the best way I can answer this is to suggest that your husband talk to his Dr. and have a brief ...
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| auto accident | 2/11/2005 |
Q: Richard, I was involved in an auto accident in which I bumped into a car that was located in front ...
A: From what I have read about Michigan you have the best no-fault insurance plan in the country. ...
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| flood insurance | 2/1/2005 |
Q: I am about to close on a manufactured home in houston, tx. The lender is requiring that I pay over ...
A: Unfortunately yes, this legal is legal and the problem is contractual! The lender has the right to ...
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| auto insurance accident claim | 2/1/2005 |
Q: I am really confused and upset and I hope you will be able to help me. I live in Ontario and my ...
A: As I see it your son must have been travelling pretty fast to have fish-tailed for so long. His ...
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| Heavy Snow Damage | 1/18/2005 |
Q: I promise this is the last time I send you an email on this subject. I just want to make sure I'm ...
A: Are they still saying that they will only pay if you replace the entire shebang? Did you call the ...
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| Heavy Snow Damage | 1/11/2005 |
Q: Hey Richard, Thanks for the fast reply. When I had talked to the Adjuster (which was an ...
A: this sounds kind of strange to me. I suggest that you read your insurance policy very closely ...
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| Heavy Snow Damage | 1/11/2005 |
Q: Hey Richard, I recently had a Patio Enclosure that is connected to my house collapse from the ...
A: Hey right back at you Steve. You do not have to put up a new screened patio at all. The adjustor ...
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| renters claim | 1/6/2005 |
Q: My home(a rental house) was broken into around the end of October while I was out of town. ...
A: welcome to the wonderful world of insurance claims processing. The adjustor is trying to conduct an ...
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| damaged engine after theft | 12/20/2004 |
Q: damaged engine after theft What is the name of your state? Michigan Hello, My 1997 Mercury ...
A: Let me start with the easiest of answers which is to letter E. The claim remains open until it is ...
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| Settlement for car's accident | 12/8/2004 |
Q: I want to know if my car insurance already paid for the medical expenses for an accident caused by ...
A: If your insurance company paid your medical expenses under the "No-fault" part of your insurance ...
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| Auto Damage Claim | 12/5/2004 |
Q: I recently moved into a townhome and borrowed a trailer from a friend. I left the trailer ...
A: I'm not familiar with N.C. law but since the wind caused the damage to the neighbors car while it ...
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| How long after the accident... | 11/27/2004 |
Q: How long after the accident does an insurance company have to file a lawsuit against an individual? ...
A: The amount of time any entity has to file a lawsuit depends on the individual State Law. You need to ...
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| Auto Insurance | 11/20/2004 |
Q: Richard, My 19 year old son attends a college that is located 600 miles from my home. He doesn't ...
A: I do not know of any way to get out of this. Generally, the insurance companies ask for percentages ...
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| Insurance claim | 11/9/2004 |
Q: Richard. The other insurance co. has decided to stop payment on the rental car I am drving and of ...
A: The fact that you are also now losing lost wages puts this entire matter into an entirely new ...
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| Insurance claim | 11/8/2004 |
Q: I really appreciate it. I went to my insurance agent today and he called them for me and they told ...
A: You can sign an authorizationbut DO NOT sign a release of any claims! An authorization merely allows ...
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| Insurance claim | 11/7/2004 |
Q: ------------------------- Thanks for your response to my question. I do know that their insurance ...
A: In most States you do not have to retain an Attorney to sue and be sucessful in small Claims Court ...
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| Insurance claim | 11/6/2004 |
Q: I was involved in a car accident when a school bus pulled out in front of me about 3 weeks ago and ...
A: Get a copy of the police report, get an estimate of the damages to your vehicle, get a letter from ...
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| Hit and Run.... sort of | 10/26/2004 |
Q: Yesterday I was run off the road by another driver while exiting the 2 freeway in Los Angeles. My ...
A: Without the ability to prove "contact" with the other vehicle I am afraid that you are screwed. ...
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| victum of hit and run | 10/25/2004 |
Q: this past weekend i was a victum of an hit an run accident while my var was parked on the side of my ...
A: step 1. report the accident to the police. Step 2. notify your insurance company of the police ...
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| Recovery Limits for Claims Paid in Error | 10/18/2004 |
Q: I am a psychologist in private practice. Recently I received a letter from BC/BS of MI. stating they ...
A: Ritenour, in most States there are statutes of limitations on recoveries such as this. There are ...
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| insurance | 10/15/2004 |
Q: what are the different between the brokers and the insurer
A: an insurance broker can be either an employee of the insurance company or can be an independent ...
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| stolen car claim. | 9/21/2004 |
Q: I am a California resident whose car was recently stolen. The car was stolen in July, and my ...
A: I am not familiar with California insurance law but it seems to me that you are thinking about ...
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| car rental.. | 9/8/2004 |
Q: Hey Richard, Well, Richard what can I say I'm am still fighting with the collection agencies on a ...
A: I have "one of those memories" and should take on that guy on Jeopardy because I remember your ...
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| Looking for No-Fault Law References | 8/5/2004 |
Q: Richard. I would like to find out if there are any references you would recommend to health care ...
A: I have never heard of any such regulation regarding a fee schedule for a narrative report. I haven't ...
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| license | 7/14/2004 |
Q: I was just wondering- I have heard the term 2-20 license, and 4-40 license and I would just like to ...
A: Florida does have a license number for everything under the sun {pardon the pun}. I suggest that you ...
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| Full Auto coverage claim | 7/14/2004 |
Q: I recently had an accident and totalled my 2002 truck. I skidded off the road and flipped over. I ...
A: since you caused your own accident then you have no one to sue for your pain and suffering. If ...
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| New York State unemployment insurance | 7/11/2004 |
Q: I work for a nonprofit organization in Human Resources. We pay out unemployment insurance on a per ...
A: your question would be better addressed by the Powers that be in Albany. Generally speaking, the ...
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| car insurance question | 6/26/2004 |
Q: Richard. I realize that this question is probably as stupid as they come and perhaps not really the ...
A: You have to call your insurance company immediately after an accident! Do not delay. Your insurance ...
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| Work Injury | 6/24/2004 |
Q: I have suufered an injury from work to my middle and index fingers. after 13 weeksoff of work the ...
A: There will come a time when your Dr. will write a final report to the W.C. insurance company and to ...
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| Insurance for business? | 6/2/2004 |
Q: I do some freelance computer work, involving mostly software troubleshooting, but I also would like ...
A: I do a little of both on the side. I assume that you want to insure yourself in the event that you ...
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| Richard,
I'm not sure if... | 5/16/2004 |
Q: Richard, I'm not sure if I have already asked you for advise. Plese help though... My situation is ...
A: I remember answering this question before. Since the original rental agent will not help you out in ...
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| Car accident | 5/8/2004 |
Q: I live in the state of Florida and I was involved in an accident regarding which I am geting some ...
A: Last I heard about Florida auto insurance is that its' no-fault insurance works the way you have ...
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| Was my mother misrepresented when she purchased a Critical Care Insurance Policy? | 5/1/2004 |
Q: My mother purchased a critical illness insurance policy in November 2003. My question is this she ...
A: This sure smells like manure to me! I think that you and your mother should consult with an Attorney ...
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| Insurance (comprehensive claim) | 4/20/2004 |
Q: I recently rented a car from a major car rental company. The representative inspected the vehicle ...
A: you had better prepare a statement for the representative to sign which states the he probably ...
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| no insurance and stolen car | 4/15/2004 |
Q: sorry about that, they other drivers insurance company is coming after her because they have been ...
A: your friend has a problem. The first problem is the one that MUST be addressed and then the others ...
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| no insurance and stolen car | 4/14/2004 |
Q: my girlfriend had a person staying with her temporarily, this person took her car which was in the ...
A: I got a bit lost when reading this question. Are you asking me if the other driver can go after your ...
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| auto insurance | 4/10/2004 |
Q: i'm not sure what type of insurance you specialize in, but i have a question about an automobile ...
A: red light-green light cases without any witnesses are usually 50/50 liability ones. The fact that ...
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| Insurance claims | 3/31/2004 |
Q: If I loose a covered iten and receive paymet for the claim and later find that item, am I requied to ...
A: I have had this question before. This is up to you. Sure, you should return the check to your ...
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| auto accident | 3/22/2004 |
Q: Don't know if you can answer this but will ask. Stopped in a tunnel in Virginia for a accident and ...
A: I am not up on Virginia motor vehicle laws but both the man with the van and the girl who made the ...
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| insurance info | 2/19/2004 |
Q: my name is yaron and i am a college student at Binghamton University located in upstate New york. I ...
A: yes, I remember what a hookah is from my college days but we didn't use tobacco in them in those ...
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| insurance claims | 1/22/2004 |
Q: Say a person was involved in a hit and run accident and your insurance company paid your claim, ...
A: Boy, this is a shocker! A situation where an insurance company pays out on an uninsured motorist ...
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| Auto liability | 1/18/2004 |
Q: Richard - My son loaned his vehicle to a friend (who was listed as an additonal insured on his ...
A: and hi brother Expert! Your son's insurance company must pay for his totalled vehicle and then enter ...
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| dispute | 12/14/2003 |
Q: I am one of five people listed on my deceased brother's will; the other three are siblings, and one ...
A: the net profits from the sale of the house should be shared by all of the heirs in accordance with ...
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| camper question | 11/13/2003 |
Q: I own a 35' camper/trailer which is "permanently" parked at a campground in Northern Wisconsin. We ...
A: this issue is more of a contractual one between the renters and the owners. If you have a rental ...
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| diagnostic laboratory | 10/19/2003 |
Q: I am a non-professional, just a business person with a marketing degree and lots of friends in the ...
A: I do not think that what you are proposing would be legal. A certified Dr. in those fields would ...
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