| Subject | Date Asked |
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| Verification requests for No fault insurance | 11/17/2009 |
Q: I wanted to know if an insurance company may fax verification requests to a provider it is dealing ...
A: Fax is such an integral part of the insurance business- has been for a couple of decades. It's done ...
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| insurance overpayment | 11/17/2009 |
Q: My Health Ins. made a contracted payment to the hospital after the birth of my son. I had secondary ...
A: This isn't my area of expertise, but I would first begin by contacting the hospital. Perhaps they ...
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| hit and run lawsuit/ unauthrized driver | 11/16/2009 |
Q: Andrew gave me an answer and I'd like an opinion from someone "in the business." Succinctly, my car ...
A: I'm not an attorney. There is a big difference though, between unauthorized use of a road motor ...
|
| Costco Cart damage | 11/15/2009 |
Q: My car was damaged by a cart while I ran into Costco for 10 minutes last week. The person taking ...
A: Parking lots are an interestng this, as in you CHOOSE to the there, and it that, take the chances ...
|
| City tree fell on my car | 11/14/2009 |
Q: On 11/13 A tree limb broke and landed on top of my car. The tree was planted between the sidewalk ...
A: You can certainly give your insurance company the information about the tree, including the name of ...
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| Returning to Work after Unemployment | 11/12/2009 |
Q: Due to the state's (Illinois) budget cuts, my husband was laid off from his job in July, 2009. We ...
A: I'm not an expert in the area of your question, but I believe once he accepts another position, he ...
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| roof repair | 11/9/2009 |
Q: I have recently filed a claim on my homeowners insurance for a leaky roof. they came out and gave me ...
A: Just because you have a leaky roof doesn't mean it was caused by a covered cause of loss. And ...
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| parking lot accident | 11/6/2009 |
Q: I wanted to know if i had complete fault of an accident and if i can do anything at this point. I ...
A: Hopefully you have the witness information. Almost always, the one backing up is at fault. You ...
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| Over-insured home? | 11/4/2009 |
Q: With the slowed economy and property values declining could my home be over-insured? What steps ...
A: While property values may have changed, it doesn't have a whole lot of impact on how much it would ...
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| insurance on stolen car | 11/2/2009 |
Q: My car was stolen from my work parking lot in Detroit MI. I had PLPD on the car since it was paid ...
A: No, you don't have to keep insuring a car that was stolen. Advise AAA that the vehicle was stolen ...
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| STATUE REGUARDING ROOF REPLACEMENT IN KY | 11/1/2009 |
Q: I have storm damage. The insurance adjuster came to my home in Feb. 09 and looked at the roof and ...
A: I'm not an attorney, nor from Kentucky, so I can't help you with the exact statute question. You ...
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| intersection accident. | 11/1/2009 |
Q: I was wondering if you could give me an advice whether I should hire a lawyer for this accident. I ...
A: If you can get a witness to attest that the other driver had a red light and hit you, then you would ...
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| accident on private property | 10/31/2009 |
Q: i was involved in an accident at my house where my friend left his car at my house and to my ...
A: If his insurance company is telling him to take you to court (indicating that he has liability only, ...
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| accident in parking lot. | 10/31/2009 |
Q: So i was parked at a store parking lot. When I was pulling out of my parking spot,(making sure to be ...
A: The person backing up has the responsibility to avoid oncoming traffic. If there was a witness to ...
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| Excluded from my auto insurance | 10/31/2009 |
Q: I am 23 years old male living in Georgia. My family been with Statefarm for many years now. We have ...
A: It all comes down to misrepresentation about a material fact, in other words, your dad lying to the ...
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| Excluded from my auto insurance | 10/30/2009 |
Q: I am 23 years old male living in Georgia. My family been with Statefarm for many years now. We have ...
A: Your "friend" is giving your family BAD advice. Failure to disclose that you would be an operator ...
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| accident on private property | 10/29/2009 |
Q: i was involved in an accident at my house where my friend left his car at my house and to my ...
A: I personally wouldn't pay them anything. Sounds to me like they are trying to get as much money as ...
|
| Accident, makind unprotected left after being staged in intersection and light turned yellow->red | 10/27/2009 |
Q: I was recently in an accident where I was making an unprotected left turn. I was staged in the ...
A: Unless you can find a witness (the car who did stop) who will attest that the light was actually red ...
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| car accident her insurance is jerking me around | 10/27/2009 |
Q: i was involved in a car accident on 28 Aug 2009. A lady ran a red light going an excessive speed ...
A: Sounds like you've done everything. Don't expect them to replace your car though. They will only ...
|
| One way driving parking lot? | 10/26/2009 |
Q: yesterday my husband had a car accident in a parking lot. While we were driving toward left, a lady ...
A: Generally, the person backing up has the greater responsibility, however, it sounds like you were ...
|
| concrete slab condo, broken water pipe damage to neighbor | 10/26/2009 |
Q: The water pipe which supplies hot water from our water heater to our unit under our slab in our ...
A: I'm wondering why your neighbor's haven't filed a claim with their insurance, and then if their ...
|
| Total Loss Settlement | 10/25/2009 |
Q: If, in a Total Loss Settlement, the titled owner of the car is not the driver in possession of the ...
A: I would think you would have the stronger case. It would be no different if she had an actual loan ...
|
| Victim of Hit & Run Scam | 10/24/2009 |
Q: I recently received a letter from an insurance company stating I am responsible for its client's ...
A: If you had someone with you the night this was supposed to have occurred, they could make a ...
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| cancellation | 10/24/2009 |
Q: My daughter purchased a car and my husband and I registered and insured it under our name. She was ...
A: It sounds like you insured this vehicle on a different policy than the ones owned & driven by you ...
|
| What are my rights? | 10/23/2009 |
Q: I'm from CA Hi, a while back I gave up my business to become my mothers' caregiver so my income ...
A: I don't know what to tell you. Since they are stating the date of the accident is other than the ...
|
| accident with no license | 10/23/2009 |
Q: my husband was in a car accident today in pa. he has no license and was driving my car. The other ...
A: I'm not from PA, but usually it doesn't make a difference if the not at fault driver didn't have a ...
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| car insurance for permit driver | 10/21/2009 |
Q: Will you issue insurance for someone who holds a learner's permit?
A: Most insurance companies will not add to the policy someone who does not yet have a drivers license. ...
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| Total Loss Settlement | 10/21/2009 |
Q: If, in a Total Loss Settlement, the titled owner of the car is not the driver in possession of the ...
A: If the titled owner of the car was the one who insured it, legally they may be entitled to all the ...
|
| Rental car company denied optional insurance | 10/20/2009 |
Q: Is it legal that rental car companies don't offer optional insurance? I rented a vehicle from budget ...
A: I don't know if there is anything that you can do. You would have to look very carefully at the ...
|
| persons excluded on insurance polices | 10/20/2009 |
Q: What is the exact information an insurance co. needs to 100% exclude a person from covering an ...
A: You don't say how old your are, but if you are a young person, then the reason that you were ...
|
| tree damage | 10/19/2009 |
Q: My car was parked at my apartment complex over the weekend. I was out of town. When I went to my ...
A: A tree branch falling is considered to be an Act of God, and is not related to any negligence of the ...
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| concrete slab condo, broken water pipe damage to neighbor | 10/18/2009 |
Q: The water pipe which supplies hot water from our water heater to our unit under our slab in our ...
A: I would tend to think that it would be the HOA insurance that would be responsible for the damage, ...
|
| persons excluded on insurance polices | 10/16/2009 |
Q: What is the exact information an insurance co. needs to 100% exclude a person from covering an ...
A: The reason insurance companies go the the effort to exclude a driver is usually because of a bad ...
|
| Diminished value law | 10/15/2009 |
Q: We bought a new 2010 truck with only 40 miles on it. after leaving the dealership and going about 20 ...
A: IMO, CARFAX can be a lot of hooeee about nothing. Since you didn't sustain drive train damage, I ...
|
| grace period | 10/14/2009 |
Q: I have a policy on a boat which is in CT. We are residents of CT. I just realized I missed my ...
A: There are no grace period's on property/casualty policies. What may happen is that the policy will ...
|
| ATV Insurance Problem/Question | 10/13/2009 |
Q: I purchased an ATV from a private seller on 10/08/09. I called my insurance agent and told him to ...
A: Here is the issue- your agent didn't bind coverage with the carrier, at the time you requested it. ...
|
| who's at fault? | 10/12/2009 |
Q: I was in a high school parking lot to pick up my brother from school. The right side of the road had ...
A: Sounds like you are mostly not at fault, but because you pulled into a handicap spot and stopped, ...
|
| Totally our car! | 10/9/2009 |
Q: On sept.21st a woman hit our parked car. The insurance comp wants to total our car out because it ...
A: You may want to check with your state's department of motor vehicles, to see whether they have any ...
|
| driving another persons car | 10/8/2009 |
Q: We have financed and insured our own cars. Mother and daughter. Now we like each others car better ...
A: The thing to do is to compare policies, and make sure you are both carrying the same limits and ...
|
| Wind Damage | 10/7/2009 |
Q: I had a trampoline in my yard that was being held down we/large boulders. We had over 50 mph winds ...
A: Your neighbor should probably go through their insurance. Their insurance will investigate whether ...
|
| Wind debris and comprehensive | 10/7/2009 |
Q: A high wind blew a metal vent off a roof which stuck a car and damaged its hood. There is video ...
A: I don't see how you can get your deductible back, unless you can proof that the metal vent was loose ...
|
| agent repermend | 10/7/2009 |
Q: Ms Denise; On sept. 18th,2009 My wife and i went in our insurance agents office to pay our monthly ...
A: You should contact your state's insurance department, and make a written complaint. They will ...
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| Parked car damages | 10/7/2009 |
Q: In November of 2005 My car was parked legally in front of my apartment building and at am my car was ...
A: You would have to sue this person in court. Whether you would recover anything other than a ...
|
| Home Bought for $650K; Insurance Companys Says 1.3 million | 10/6/2009 |
Q: My wife and I just bought a home for $650k. At the time of purchase, the insurance company said ...
A: First I would suggest going through their cost estimates to rebuild, and determine whether you want ...
|
| michgian insurance | 10/5/2009 |
Q: I was stopped at a red light, (2nd car). I glanced to my rt and took my foot off the brake for ...
A: I take it you didn't take photos of the vehicle. I think you should probably go to the police, or ...
|
| boat dock/homeowners policy | 10/5/2009 |
Q: We have a boat dock on our property. It has been setting on the beach due to the drought. Yesterday ...
A: As I understand it, this is something that can be covered under the homeowners policy, under "Other ...
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| Property Insurance | 10/5/2009 |
Q: My "work" van was stolen and later recovered. The tools which related to my profession, carpentry, ...
A: I don't see how you can get this covered under the homeowners policy. It would have required a ...
|
| Driving my friends vehicle involved in an accident no insurance | 10/5/2009 |
Q: Hey Denise thank you for reading my question, I'm from New York city my story is me and my friends ...
A: Your "friend", as the owner of the vehicle, is resposible for any damages that occur to the car. He ...
|
| Open Enrollment Exclusion | 10/4/2009 |
Q: I am a part-time member of the faculty at The University of Akron, a regional state university in ...
A: This isn't my area of expertise, but as far as I can tell, they would be within their rights to do ...
|
| Rental Auto Damage | 10/4/2009 |
Q: I rented a car in Nashville, TN and drove it to Knoxville. Another car backed into my rental car and ...
A: If you purchased the collision coverage from the rental car company, you would only be charged for ...
|
| Hit By Their Own Vehicle | 10/3/2009 |
Q: I have a friend who didn't set the parking break on her car, got out and it rolled over her. I'm ...
A: I don't see how UM/UIM coverage would apply in this case. This has to occur when the other vehicle ...
|
| Rental Car Accident | 10/2/2009 |
Q: My mother in law was visiting me and my wife in PA this week and on her way home she hit a deer with ...
A: If she purchased the additional physical damage coverage from the rental car company, she shouldn't ...
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| life insurance | 10/2/2009 |
Q: According to the documentation I have, life insurance coverage terminates at the age of 80. Does ...
A: It sounds like the type of policy you are looking at is term insurance, that expires at a specific ...
|
| Insurance | 10/1/2009 |
Q: I recently had my vehicle stolen. The police recovered the vehicle two weeks later. Do I have to ...
A: I doubt that you can refuse the vehicle. It will be up to your insurance company to determine ...
|
| Disagreement over Total Loss on Auto | 10/1/2009 |
Q: I wrecked a 2002 Aston Martin DB7 which is a handmade exotic automobile with limited production. ...
A: Since the car was handmade and exotic, you probably should have insured it with a specialty company, ...
|
| Insurance claim denied | 9/30/2009 |
Q: We suffered a chimney fire to our home that totally destroyed the home and all of its contents. We ...
A: Sorry, but I have to agree with the insurance company on this one. Putting in a new septic system, ...
|
| rental car hit my daughters car and is at fault | 9/30/2009 |
Q: A rental car hit my daughters car and the rental car driver was at fault and plead guilty. The ...
A: I think your best bet would be to consult with an attorney, and have them determine whether suing ...
|
| Car accident in CA w/ no insurance | 9/30/2009 |
Q: My girlfriend was involved in an accident today in California. The other driver was at fault - she ...
A: Had she called the police, the other driver would have been cited with a major violation- leaving ...
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| Car accident settlement v. small claims (state: CA) | 9/30/2009 |
Q: I was in a car accident which the other party was at fault. It was determined that 85% fault was on ...
A: I do not know what the small claims limits are in California, but I believe your amounts may be over ...
|
| can I sue? | 9/29/2009 |
Q: I totaled my car about 6 months ago 1 early morning in the rain/wind, traveling about 65 miles/hour ...
A: The only coverage that would apply would be under your medical payments coverage, which likely has a ...
|
| Liability in California | 9/29/2009 |
Q: about 24 days ago I sold my vehicle to another person and I learned they got into a car accident a ...
A: If you have a written bill of sale and payment agreement, that would be one proof that you had sold ...
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| Rental damage | 9/26/2009 |
Q: over a week ago I rented a car in California and last night it got hit pretty bad in a parking lot ...
A: It would have been a good idea to purchase their insurance, because then you wouldn't be responsible ...
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| Water Damage | 9/25/2009 |
Q: I live in a Townhome style condo. My home sustained water damage due to my neighbor's toilet ...
A: Your condo insurance will not pay for structural repairs that they are not legally required to pay. ...
|
| Car accident | 9/25/2009 |
Q: I had an accident back in 4/6/2009, I just received a letter in September 2009 that I have 13000 ...
A: You are responsible for damage that you cause, whether or not you have insurance, and whether or not ...
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| Phantom Law, NC | 9/25/2009 |
Q: I lived in Monroe, NC just outside of Charlotte, NC. My husband and I where sitting in traffic when ...
A: First of all, the $300,000 per person is for damage you could do to someone else in an accident, not ...
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| Insurance Impact of a minor accident | 9/24/2009 |
Q: I have a GEICO insurance policy for past 5 years. I was reviewing it and realized that my insurance ...
A: what you have is a chargeable claim against your insurance history. The good news is that most ...
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| NO ATV insurance | 9/23/2009 |
Q: My son was badly hurt in an ATV accident last summer. He was riding as a passenger with another ...
A: I can't help you much here. The only thing would be to get a judgment against the family, but that ...
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| problems | 9/23/2009 |
Q: I recently was pulled over in va and had a pull order on my tags for lapse of insurance and the ...
A: Your state is very strict about proof of insurance. You may have to hire an attorney to get this ...
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| Hit a car in parking lot | 9/23/2009 |
Q: Today i hit a car parked legally in a parking lot and found its front bumper was damaged. I waited ...
A: If she contacts your insurance company, they would pay for the damage. You might be able to work ...
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| help me get my baby | 9/22/2009 |
Q: my dog which is a female pitbull got stolen icallde the aspca and the said that they found a dog ...
A: You would need to show proof that you have homeowners or renters insurance, showing coverage for ...
|
| Rear ended | 9/21/2009 |
Q: We were rear ended and the truck received a few scratches on the bummer but she totatl bent our 5000 ...
A: To get an idea what impact speed would be needed to do that kind of damage, you might try talking to ...
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| Tire blowout damages vehicle tire is mounted on | 9/21/2009 |
Q: I had a tire blowout that caused $1800 of damage to my vehicle. My insurance company is covering ...
A: I'm not from Texas, but from what I've run across, this would be a collision claim. You could ...
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| INsurance not paying up | 9/21/2009 |
Q: I was involved in an accident a few weeks ago. I was at a green light preparing to make a right turn ...
A: If you have witnesses, then they should contact the opposing insurance company, and let them know ...
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| Left LIght Green Arrow & green Light Turns | 9/20/2009 |
Q: I was pregnant and driving to my docs for a check up. I was waiting at a Left Arrow Lane to turn ...
A: If he hit your car, and then left the scene of the accident, you should have called the police right ...
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| hello | 9/19/2009 |
Q: on the way the driver lost control on the curve and we hit an upcomming car head on i was the only ...
A: Sounds like the driver you were getting a ride from was at fault. If they didn't have insurance, ...
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| car accident | 9/18/2009 |
Q: yes i was involved in a car accident with a friend who was driving in his on car he ran from the ...
A: Wow, I thought I had crappy "friends". Unless you can find some way to prove that you weren't the ...
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| falling tree | 9/17/2009 |
Q: My question is back couple months ago, my neiguor tree (around 20 feet tall) fall in my backyard and ...
A: You might want to talk to an attorney, or depending on the damages, and the amount of documentation ...
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| Umbrella insurance | 9/17/2009 |
Q: I have an umbrella policy. I have two daughters 21 and 23 years old. They both are students and ...
A: You would not have an exposure to her under the auto portion of your umbrella policy, unless she ...
|
| Motorccle stolen from building with broken gate? | 9/16/2009 |
Q: I was headed to work one morning when I noticed my motorcycle was missing, I called the cops filled ...
A: Parking any kind of vehicle is an "at risk" situation. You choose to park there, you take the ...
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| Accident by non-insured | 9/15/2009 |
Q: Denise, My daughter's boyfriend was driving our car, and was at fault for a collision after which at ...
A: As the owner of the vehicle, you are liable for any accidents that occur with the vehicle, which ...
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| car insurance | 9/14/2009 |
Q: I am looking for car insurance and is asking me about SR-22 and SR-1P...What do these mean and which ...
A: You are talking about insurance in California, right? The SR-22 is when you've been in trouble- ...
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| left turn crash. who's at fault | 9/12/2009 |
Q: speed limit is 45 mph .I was traveling south in a Toyota corolla .jeep was traveling north. I enter ...
A: What I think doesn't mean a hill of beans. You are in the position of having to prove that while ...
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| Auto insurance question | 9/12/2009 |
Q: Hey, my girlfriend just got her license and she is 21 years old. I have been driving for about 5 ...
A: I strongly recommend against letting your girlfriend drive your vehicle. Also, look at the title of ...
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| Additional liability while making a protected left turn | 9/11/2009 |
Q: I was recently in an accident. I was driving north and approached an intersection with a green ...
A: The person making the left turn across traffic has a duty to make sure the way is clear. It does ...
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| car accident pleas help | 9/10/2009 |
Q: speed limit is 45 mph .I was traveling south in a Toyota corolla .jeep was traveling north. I enter ...
A: Based on the police report documentation and witnesses, it sounds like the other party was at fault. ...
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| car borrowing company | 9/8/2009 |
Q: I am looking to start a car borrowing company? I realize that the main hang up will be with ...
A: The main thing is that you will have to provide business auto insurance to the fleet of cars, as the ...
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| Flood damage | 9/8/2009 |
Q: I rent a condo in a multi-unit complex. My neighbor set off the fire sprinkler in his unit, and it ...
A: It sounds to me like your place is still livable. If there was a fire and your unit was destroyed, ...
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| backing out of parking spot | 9/8/2009 |
Q: i was backing out from a parelel parking spot i was almost completly out when all of a sudden i hit ...
A: Unless you can find witnesses that he was driving unsafely, then you would still be responsible, ...
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| Backing out of parking place | 9/7/2009 |
Q: I was at the DMV & completed getting my paperwork. I left the office & went to my car. I looked out ...
A: Technically, you are at fault, but only for damage that you actually caused. If there was prior ...
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| still owes 6000 on a totaled car | 9/4/2009 |
Q: My car was parked when a drunk driver hit and smashed up 4 cars including mine. He was arrested at ...
A: You can certainly try to sue him in small claims court, but you may have agreed that the insurance ...
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| Insurance Damages | 9/2/2009 |
Q: My nine year old daughter was taken on an ATV ride with her friend by her friends father. We never ...
A: You can certainly get an attorney to sue them, at least for repairing the scars. As to possible ...
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| Private lot accident | 8/31/2009 |
Q: After a firends birthday brunch at the winery, we were leaving and I started to back up (I did look ...
A: I believe you would be considered to be nearly 100% at fault. Even if a vehicle isn't parked ...
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| Fenderbender in van with drivers permit no insurance | 8/29/2009 |
Q: I unfortunately had a fenderbender as I was directions in front of a general discount store and was ...
A: What you need to do is to make a legal agreement between the two of you, properly witnessed, that ...
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| Property Insurance | 8/25/2009 |
Q: Denise, First - thank you for making yourself available on this service! I live in a townhouse in ...
A: I'm actually working as a CNA now, instead of in the insurance industry. It is nice to be ...
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| car accident | 8/24/2009 |
Q: my van was in a three car accident car 1 hit 2 car 2 hit car3 car 1 ran the red light and hit car 2 ...
A: If the one that caused that accident didn't have enough insurance to pay the damage they cause, and ...
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| teen insurance | 8/24/2009 |
Q: My 18 year old son no longer lives at home. He will not be getting his NYS driver's license for 6 ...
A: If he does not live with you, he is probably not your responsibility. I'm not from NY, but you ...
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| Pancaked between two cars | 8/22/2009 |
Q: My son stopped behind a car, but the car behind him slammed him. The car pushed him into another ...
A: Most likely, your son will have to sue that person, in small claims court. In some states, he may ...
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| Deminished Value | 8/20/2009 |
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: This question is out of my area, but it seems to me that they probably took care of the damage. I ...
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| hail damage to siding | 8/19/2009 |
Q: I live in Wisconsin and had hail damage to my siding. The insurance company said the damage was to ...
A: I'm tired tonite, please forgive me, so I'm going to give it to you straight. They will only repair ...
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| Can my HOA force me to cover their deductible? | 8/19/2009 |
Q: I have a rental property in Colorado- my tenant turned the heat off this winter and a pipe burst ...
A: Damage includes your share of the loss, which is the deductible. You may want to consider including ...
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| Can my HOA force me to cover their deductible? | 8/18/2009 |
Q: I have a rental property in Colorado- my tenant turned the heat off this winter and a pipe burst ...
A: I believe they might be able to, since the damage was caused by a tenant that you rented to. You ...
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| Help | 8/18/2009 |
Q: Here’s the deal my daughter was rear ended over three months ago and the offender was charged. The ...
A: What you may have to do is to contact your state insurance department, and inquire as to whether the ...
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| Out of State Student | 8/17/2009 |
Q: My daughter is going to school at UWM and living with her grandparents. We reside in Minnesota. ...
A: The issue is that if she is a licensed driver, she is automatically considered to be covered under ...
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| Property stolen out of my wrecked Vehicle | 8/17/2009 |
Q: My car was in an accident, the tow truck company towed it to a dealership. I was then informed ...
A: I've been in exactly the same place, and it sucks. If you have renters insurance, you could ...
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| NeighborsTree is killing us! | 8/15/2009 |
Q: I have a neighbor with two very large cotton wood trees that hang over our property. We had a branch ...
A: You are in a difficult place. You may have to offer paying half of the amount to trim the trees. ...
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| Hail damage claim | 8/12/2009 |
Q: I had hail damage to my roof in June 2008. The insurance co made the check out to me and my mortgage ...
A: I don't think I could be of much help on this. The check is for damage to the roof, so it would not ...
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| Hit and Run | 8/9/2009 |
Q: My car was involved in a hit and run and I'm heading to court. My first question is can an minor be ...
A: If a minor stole a vehicle, generally then the parents could be sued, as they are legally ...
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| is a starter, alternator and gaskets considered part of the "inboard/Outboard power unit? | 7/30/2009 |
Q: My boat was swamped in a storm and took on water that covered the engine entirely causing the engine ...
A: I would tend to agree with you. The only suggestion I can make is to contact a certified marine ...
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| Hit and run scam? | 7/28/2009 |
Q: And I was in the far left turn lane and as the car next to me and I were making the turn I merged ...
A: This sounds unusual. Why didn't the lady call the police, if she followed you to an apartment ...
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| Shopping cart hit my truck | 7/22/2009 |
Q: A lady "lost control" (her words) of her shopping buggy and it hit my truck door doing about $300 ...
A: She would not have to pay a deductible for damage she caused under the homeowners policy. If she ...
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| My car as totaled by a non insured driver | 7/21/2009 |
Q: I was recently in an accident. the young man who hit me had no insurance. My neice and I were both ...
A: Depending on the amount of damage to the car and the total of the medical bills, you would have to ...
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| Shopping cart hit my truck | 7/17/2009 |
Q: A lady "lost control" (her words) of her shopping buggy and it hit my truck door doing about $300 ...
A: You could try taking her to small claims court, since it sound like she was using someone elses ...
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| dead tree damage | 7/14/2009 |
Q: I live in an apartment (in Madison WI) and my moped was parked behind it in the moped parking area. ...
A: That WAS some big wind huh? I'm about 100 miles to the west of you. Unfortunately, these types of ...
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| hit and run | 7/11/2009 |
Q: we are stuck in a dilemma and would appreciate any advice. it was about 1 am and our car was parked ...
A: You could try talking to a local attorney, to see if there is any state case law that would benefit ...
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| are we liable? | 7/3/2009 |
Q: we just had a car accident last week i am the passenger,,the officer didn't give both parties a ...
A: It does sound like you were at fault in the accident, but it would be the owner of the vehicle that ...
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| Insurance Lapse | 7/2/2009 |
Q: I found a few questions on this site relevant to my situation, so I'll just summarize the scenario: ...
A: I'm not from the D.C. area, but given the amount of the fine, it might be worth contacting an ...
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| Auto Insurance | 7/2/2009 |
Q: Just brought our 19 y/o daughter car. She will be going to college out of state. When checking on ...
A: My suggestion would be to put the car in her name, with her own insurance. It may be more, however ...
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| hot water heater leak | 7/2/2009 |
Q: we had a tiny leak from our new water heater that never overflowed the pan underneath but it turns ...
A: My question would be who installed the water heater, as if it was a professional plumber, they ...
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| Insurance Subrogation for Auto Accident | 7/1/2009 |
Q: I had auto accident with injuries July, 2006. I was represent by attorney and settle in February, ...
A: I'm not an attorney, and I'm not certain that I understand the situation. I guess I would ask my ...
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| HOA coverage | 7/1/2009 |
Q: Is there coverage for street damage repair due to water when the sprinkler pipe broke under the ...
A: I would tend to think no, because most policies have exclusions for water damage occurring over a ...
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| wreck with no insurance | 6/30/2009 |
Q: What will happen to my drivers license.? I hit another car at a stop sign. Police said no fault for ...
A: I'm not from Tennessee, but generally, you can lose your license if you don't pay for damage you ...
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| Car stolen from driveway/spare keys | 6/30/2009 |
Q: My car was stolen from my driveway. There were no keys to the car inside the stolen car but my ...
A: I don't believe that you will have a problem with this, since the keys weren't in the stolen car, ...
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| Swing Set Accident-- Insurance question | 6/29/2009 |
Q: My son was on my parents' swing set when the chain broke and he fell and broke his leg. The break ...
A: Due to the extent of the injuries and medical, you probably should file a claim. If your parents ...
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| old hail damage | 6/16/2009 |
Q: Several years ago (maybe 5) we had some large hail (golf ball+ sized) and homes in my neighborhood ...
A: I'm not a homeowners claim adjuster, but the age of your roof gives me concern, because I doubt it ...
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| Hit and Run | 6/15/2009 |
Q: I was the victim of a hit and run accident. My car had minor scratches on it. I asked the driver of ...
A: Well, you can turn the damage into your own insurance company, and pay the deductible. It would ...
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| Rear end accident | 6/15/2009 |
Q: My friend was driving my uninsured car while i was out of town. He was at a complete stop at a red ...
A: You have the right to recover from the damage that the drunk driver caused. If your state has a way ...
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| STOLEN CAR | 6/15/2009 |
Q: So my car was stolen out of my parking lot that is supposed to be patrolled by a security company. ...
A: If you didn't purchase Comprehensive/Other than Collision coverage, then you don't have coverage for ...
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| HOMEOWNERS INSURANCE | 6/15/2009 |
Q: I LIVE IN VIRGINIA SO I DON'T KNOW IF YOU CAN HELP ME. ON TUESDAY JUNE 9, 2009 I CALLED MY INSURANCE ...
A: Keep calling, or ask to speak with a supervisor. They will investigate whether the "rot" is recent ...
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| Vehicle Stolen Sav. GA | 6/14/2009 |
Q: Went out with the guys one night and left my car over night at the club, once came back that ...
A: Since so much time has passed, and they are still not paying, I would suggest making an insurance ...
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| Hit by Costco Carts in Costco parking lot | 6/14/2009 |
Q: My car was hit by Costco carts operated by two Costco employees who were collecting about 50 carts, ...
A: If I were you, I wouldn't pursue it. I myself wouldn't get near any of those cart moving things, ...
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| sharing a car with a college roomate | 6/13/2009 |
Q: Currently I live in California and under my parents insurance as i am still 20. i would like to ...
A: First of all, if you own that car, and it's titled in your name, you need to have your own policy. ...
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| no fault accident | 6/13/2009 |
Q: I was rear-end by a lady at a stop light, in mi. a no fault state. Its been a little over 24 hours ...
A: In a no fault state, each person's insurance pays for their own injuries, as I understand it. It ...
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| car accident | 6/12/2009 |
Q: My girlfriend was recently in a car accident. She was in the right lane approaching an ...
A: If he was cited as being at fault, the only thing that could interfere with that is comparative ...
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| homeowners/skunk odor | 6/11/2009 |
Q: We live in the city and a skunk has died under our home(we have no basement) our entire home smells ...
A: Good question. Sorry for the late response. I'm attending CNA class right now, don't have time to ...
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| car accident | 6/11/2009 |
Q: was hit by a woman not looking at the road almost totaled my car caused neck shoulder and back ...
A: Yes, in order to recover from the other driver, you will have to make a claim against the other ...
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| 4-wheeler/auto wreck | 6/10/2009 |
Q: First let me witness that God has been great to me and because of his grace both my boys are alive. ...
A: Sorry it took so long to get back to you. I'm taking a Nursing Assistant course. HE is GOOD! The ...
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| "Who is an Insured" | 6/8/2009 |
Q: My 18 year old daughter still resides with me and has been on my auto insurance for 2 months without ...
A: Sorry for the late response. I'm in school for nursing right now. The economy, you know? ...
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| Dog caused motorcycle accident | 6/8/2009 |
Q: Good Morning, while out riding my motorcycle last Saturday with a friend three dogs ran into the ...
A: I can't be of much help here. NC law may have some point that states something regarding animal ...
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| car accident | 6/7/2009 |
Q: the other people where taken by the ambulance they said that its only back pain and a bump on the ...
A: You will probably want to get a copy of the police report once it is complete. If it shows that you ...
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| Unemployed Mileage to jobs | 6/5/2009 |
Q: I am unemployed and working as needed up to 4-8 hours a week for a hospital from Jan 2008 to ...
A: I'm sorry I can't be of assistance to you. My expertise is more in the area of insurance, not state ...
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| Docks and Homes and Boats Liability | 6/3/2009 |
Q: I have a customer who wants to lease a slip at a boatominium (slip is owned at a local yacht club.) ...
A: Good question. My suggestion would be to bring this directly to the homeowners carrier, as the ...
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| Home Owner Insurance Limits | 6/3/2009 |
Q: I have home owner insurances with an insurance company for over 20 years. I have coverage for my ...
A: Suggestions to increase the policy limits of a policy are not an obligation of an insurance company, ...
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| Dog caused motorcycle accident | 6/3/2009 |
Q: Good Morning, while out riding my motorcycle last Saturday with a friend three dogs ran into the ...
A: To recover from the owner of the animal, you would probably have to hire an attorney from NC, and ...
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| Water damage to brick garage from neighbors planter | 6/2/2009 |
Q: I have an 85 year old house with a brick detached garage in Denver. The garage is set on or near the ...
A: This is rather complicated. The best way to handle this would be to work with your neighbor to put ...
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| Who should fix this? | 5/31/2009 |
Q: The city damaged a water pipe on our property years ago and repaired it quickly with a "repair ...
A: That's a good question, but one I'm not sure I can help you with. Since you indicate that it was ...
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| Rear-ended, other driver refusing to contact insurance | 5/30/2009 |
Q: I was rear-ended recently by a woman driving someone else's care. We called the car owner's ...
A: Your kind of stuck here. Since you have the money to pay your deductible, going through your own ...
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| permit laws | 5/29/2009 |
Q: I'm 15 and want to get my permit. but my mom won't let me until i learn the insurence laws that go ...
A: If you live with your grandparents, they could add you to their policy, but it would be very ...
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| Auto Accident | 5/26/2009 |
Q: Good Morning. My 16 year old son was the victim of a hit and run. The 3 teenagers were located ...
A: You would probably be best off hiring an attorney. They will be able to argue that since the ...
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| rear ended | 5/26/2009 |
Q: recently my 69 mustang was rear ended, and the damage done to the body of my car is irreparable. So ...
A: Definately take photos of the damage, and it would also be a good idea to get an estimate of the ...
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| Car accident with injuries in someone's car. | 5/22/2009 |
Q: I was recently involved in a car accident in my friends car, I was driving and she was in the ...
A: The only coverage under the policy that will pay for the medical injuries in this circumstance is ...
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| I need help | 5/21/2009 |
Q: I left my motorcycle over a friend's house which my insurance had done cancelled i told the friend ...
A: If I understand you correctly, you didn't have insurance on your motorcycle, and the bike was at a ...
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| parking lot accident | 5/21/2009 |
Q: i was parked in a parking lot at a gas station. i began backing out when i hit a truck that was not ...
A: Yes, you are considered to be at fault in the accident. It would be considered unsafe backing. ...
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| help liability | 5/20/2009 |
Q: Help Help Here is what has happened to me,I have thirteen year old son at home with me ( I am a ...
A: The homeowners policy covers motorized vehicles on the residence premises ONLY. If you take any ...
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| Damage to Garage by Fallen Tree | 5/19/2009 |
Q: The person cutting down trees on my property line, dropped a large limb onto my garage. Come to ...
A: I take it that your homeowners insurance company had already specifically excluded the garage from ...
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| Personal Accident Insurance - Auto Rental | 5/18/2009 |
Q: while renting a vehicle from Enterprise I had a personal injury (no damage to the auto). I was ...
A: If their policy would cover it, it would be under the Medical Payments coverage. The Bodily Injury ...
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| HO-8 companies | 5/16/2009 |
Q: Someone asked you this question 3 years ago and YOU DIDN'T ANSWER. Which companies offer HO-8 ...
A: While I do have some knowledge in the areas of insurance, I do not have access to a nationwide list ...
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| auto accident | 5/8/2009 |
Q: I was in an accident that is covered under my uninsured/underinsured. I was told by a chiropractors ...
A: What your chiropractor's office did wasn't right. You should notify your health insurance company ...
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| Stolen motorcycle recovered | 5/6/2009 |
Q: My dad's motorcycle was stolen over a year ago,the nsurance company paid for the bike not much but ...
A: Once the claim has been settled, technically, the insurance company owns the bike, which would be ...
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| Car accident | 5/6/2009 |
Q: I was involved in a car accident. I was driving a 2005 Ford Expedition and was at a stop. A pickup ...
A: If the other party had insurance, you may be better off handling it with their insurance, rather ...
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| Car incident at gas station | 5/4/2009 |
Q: I was getting gas at the gas station. I put the pump in the car, went to pay for the gas, came back ...
A: Since you caused the damage, you are responsible for paying for it. If you file this as a claim ...
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| Automobile sale: continue old policy? | 5/2/2009 |
Q: I am buying a car from a friend. Can we leave their coverage intact? Will it cover the car when ...
A: You cannot leave their coverage in effect, because their policy will only cover THEIR owned ...
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| Girlfriend had an accident while driving my car | 5/1/2009 |
Q: My girlfriend borrowed my car because I got home late from work one day and she had an interview. I ...
A: The policy should extend coverage for this accident, since she had permission to drive your vehicle. ...
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| Authorized Signatures on Policies | 5/1/2009 |
Q: In what states (admitted paper) is it required for polices to have authorized signature? I don’t ...
A: This question is out of my knowledge range, sorry. You would need to contact each state to find ...
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| Garage Keepers versus General Liability for Condo Associations | 5/1/2009 |
Q: Is GKLL needed for underground parking in apt, condo or commercial building? I’m getting ...
A: I pulled out my CIC (Certified Insurance Counselor) Commercial Institute book, and it states that ...
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| rental car accident - no SLP | 4/27/2009 |
Q: I finally found your web site and decided to write you. Below I described the whole situation. ...
A: I can't say for certain how Illinois law would respond in this situation, as I'm not an attorney, ...
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| More and more damage found after snow | 4/26/2009 |
Q: Denise- This past December, Spokane, WA had a record 6 feet of snow fall right before Christmas in ...
A: It's probably not to late to make a claim, but it would help if you had taken photos of the damage ...
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| Roof Wind Damage | 4/23/2009 |
Q: Our cedar shake roof was damaged during the September 08 77 mph hurricane winds that swept through ...
A: One question that comes to my mind is what the age of the roof was at the time of the loss. From ...
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| Commercial Property Overpayment | 4/22/2009 |
Q: Commercial Property Roof damage (original replacement cost valued $112,000) Adjuster went to ...
A: Very interesting situation. The first place I would go to is the insurance contract, under the loss ...
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| wrongfully found at fault | 4/21/2009 |
Q: I was in an accident on March, 4 2009. I was hit in the driver's side passenger fender in my Ford ...
A: There is probably fault on both drivers, but I frankly would put more on him, because as a ...
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| life insurance | 4/20/2009 |
Q: My father is 68 yrs old and is in a nursing home with alzheimers disease, he doesnt have life ...
A: I can't say with any certainty whether an insurance company in Great Britain would give life ...
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| auto repair estimates | 4/19/2009 |
Q: My husband is an automotive painter and never gets to see the original estimate. His shop enters ...
A: This isn't really an insurance question, but what he may want to do is to find another automotive ...
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| Company Vehicle | 4/18/2009 |
Q: I was involved in an accident where i was driving a company van the highway patrol did not issue ...
A: This accident would probably show up on your motor vehicle record, and if it does, your insurance ...
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| City vehicle damaged my personal vehicle | 4/17/2009 |
Q: My vehicle was damaged (quite severely) by a municipal (City) truck. I was legally parked, and said ...
A: It's not out of line that they are asking for a second estimate. It confirms the nature of the ...
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| my rights after an accident | 4/16/2009 |
Q: I have been labled 5% at fault for a recent auto accident. Both me and the other driver have the ...
A: The auto policy, under liability coverage, doesn't require that the vehicle be replaced. It will ...
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| Filing suit against an insurance company in small claims court | 4/16/2009 |
Q: I recently filed a claim with Progressive insurance after damage to my sailboat which is covered ...
A: What you may want to try first is to file a written complaint with your state's insurance ...
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| auto accident with suspended licences | 4/13/2009 |
Q: I was at fault in an accident using a friends car. He has full coverage however I have no drivers ...
A: There isn't a provision in the auto policy that I am aware of that says the auto policy does not ...
|
| Parking Lot Accident | 4/13/2009 |
Q: As I was parking my car the other day I saw a square concrete slab at the top of the space. It was ...
A: I'm not an attorney, nor from Maryland, but generally parking lots are considered an "at will" type ...
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| Liability for 18 year old | 4/11/2009 |
Q: We have an 18 year old son that was staying with us for a couple of months until leaving for Europe. ...
A: This is something that could depend on case law in your state. Generally, resident relatives that ...
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| friends home insurance | 4/11/2009 |
Q: my friend was driving his car that is under his mother's name and we got robbed. They took my items ...
A: The policy has limitations for cash, so you won't be able to recover from that policy. If you have ...
|
| stepbrother wrecked my car into church | 4/10/2009 |
Q: in 2000 i let my stepmother take over payments on my older car so that her son could use the car. ...
A: Technically, you are the owner of the vehicle, since you never got the title changed. You should ...
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| Accident | 4/9/2009 |
Q: My Name is Shaun. I got into a accident last month where it wasnt my fault. The other party hit me ...
A: I'm not from New Jersey, but as I understand how your state's no fault laws work, if you choose to ...
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| Auto hitting structure/pool | 4/9/2009 |
Q: We had someone who hit the concrete wall in the back of our home while racing. Our home has a road ...
A: The insurance company will probably take the lower of the two estimates for the work. I don't know ...
|
| diving boards | 4/8/2009 |
Q: I work as a Manager for a private community with 316 homes. We have a diving pool and diving board. ...
A: Sorry, I can't recommend insurance companies, but you can contact an independent insurance agency, ...
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| Auto accident with no insurance | 4/8/2009 |
Q: I was just in a car accident a day ago and this women had backed into me and there was damages to my ...
A: your fiancee will have to make a claim against the other person's insurance. Just because there ...
|
| Water from the neighbor's driveway | 4/7/2009 |
Q: I recently purchased a foreclosure and this spring I realized my neighbor's driveway was recently ...
A: This isn't really an insurance question. It more relates to whatever ordinances that your city has ...
|
| Boat insurance claim | 4/7/2009 |
Q: My boat was docked at a marina overnight. I went to pick up the boat the next day, the back of the ...
A: The denial of the claim is correct, if the loss was in fact caused by failure of the bilge pump, or ...
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| insurance law | 4/6/2009 |
Q: I live in Carter County,Tennessee. A tree from my property fell due to high wind onto my neighbors ...
A: I'm not an attorney, nor from Tennessee, so I can't give you reference to Tennessee case law. I can ...
|
| Auto claim where the loss is more than the stated limit | 4/4/2009 |
Q: I have an old car that I'm restoring. My insurance company endorsed it to my regular auto policy ...
A: A Stated Value policy limits the amount the insurance company will pay in the event of a loss. If ...
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| liability | 4/4/2009 |
Q: We let our neighbor park his boat partially on our property next to a fence. If someone falls off ...
A: It is possible that if someone falls off the boat onto your property, that you could be held ...
|
| dad got killed by a drunk driver | 4/3/2009 |
Q: My dad got killed by a drunk driver. Drunk driver also died. The other car was owned & insured by ...
A: So sorry about your loss. The insurance will only pay their policy limits, which would be $30,000 ...
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| damage done on my vehicle | 4/2/2009 |
Q: i am/was a renter at a place in hales corners. i was never contacted by the landlord when the porch ...
A: First, I'm not sure a judge would consider a 79 cutlass to be a collector car. You would probably ...
|
| Back to back accident--use of insurance or not | 4/1/2009 |
Q: My daughter had an accident three weeks ago, (no citation but her fault)and both cars had to be ...
A: If the second accident had no injuries and wasn't reported to the police, you may indeed be better ...
|
| falling object from business/scratched car | 4/1/2009 |
Q: i'm asking this question for a friend. On the very same day that he purchase his new 2009 car, as ...
A: I can't say for certain how things work in Canada, but here in the states you would have to prove ...
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| Insurance --- | 4/1/2009 |
Q: Someone had stolen my dads car and made a number of collisions, other cars were really effected but ...
A: Your dad needs to ask what the rate increase was from. Part of it could have been from an across ...
|
| Insurance Sales | 3/29/2009 |
Q: AI have the licenses for all lines - P&C, Health, Life. I would like to sell insurance products in ...
A: Each state has specific insurance laws relating to the licensing of agents, and how they define ...
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| auto insurance and the law | 3/29/2009 |
Q: My son was driving is girlfriend back to UT. Got a speeding ticket. Asked for insurance slip. ...
A: What he may have to do is to look at the policy provisions of his auto policy, and look under "Out ...
|
| replacement insurance on homeowners policy | 3/27/2009 |
Q: lightening hit our house, damaged our computer, burned wall and carpet,we have replacement ...
A: I've never heard of an insurance company wanting the old carpet, that's a first. They may want to ...
|
| PARENTS LIABILITY STUDENT DRIVER | 3/27/2009 |
Q: MY DAUGHTER IS 20 AND WAS DRIVING MY VEHICLE AND HIT THE VEHILCE IN FRONT OF HER, WE ARE IN ...
A: It sound to me like the attorney on the other side doesn't have all the facts as to the ownership of ...
|
| my responsibility for the sump pump | 3/27/2009 |
Q: We live in a condo in delavan, WI. When there was the rainstorms and snow melt 6 or 8 weeks ago, ...
A: It might be a good idea to get the sump pump itself checked out. Maybe the float is sticking. You ...
|
| landlords basement flooded | 3/27/2009 |
Q: There are 4 tenants in the building in which I live, in september of 2008 a massive rain fall ...
A: Flood is not a covered cause of loss under a renters policy, nor under a policy a landlord would ...
|
| subrogation obligations | 3/27/2009 |
Q: We received a letter (3rd notice) which contains: Healthcare Recoveries, on behalf of Highmark Blue ...
A: Your health insurance company has the right to recover their expenses for injuries that occur to you ...
|
| PARENTS LIABILITY STUDENT DRIVER | 3/26/2009 |
Q: MY DAUGHTER IS 20 AND WAS DRIVING MY VEHICLE AND HIT THE VEHILCE IN FRONT OF HER, WE ARE IN ...
A: Yes, I do believe that you are at risk, since it was your vehicle, and the owner of the vehicle is ...
|
| Hit and Run | 3/26/2009 |
Q: My vehicle was hit in a parking lot and the other driver took off. There were no witnesses and the ...
A: Yes, you do have to pay the deductible. If you were in an accident with the other driver was at ...
|
| Accident w/unlicensed driver | 3/25/2009 |
Q: My fiance was traveling westbound on a 4 lane city street in Southern Cal. when a driver heading ...
A: You might have to find witnesses who saw the accident. They should be able to provide statements to ...
|
| Stolen Dealership Vehicle Crash | 3/25/2009 |
Q: A friend of mine has had his vehicle destroyed. It was parked at his home in the evening (Oklahoma ...
A: The dealership wouldn't be considered to be liable, since the vehicle was stolen. It would be up to ...
|
| Auto insurer holding vehicle | 3/25/2009 |
Q: Tragic accident in parking lot results in a death. No charges. Almost new vehicle apparently has ...
A: The family will probably have to do their own research in order to find an objective company capable ...
|
| i hit someone without insurance | 3/24/2009 |
Q: Today as i was pulling out of a parking spot, i grazed a woman's car door. It caused only a minor ...
A: If your state has a mandatory insurance law, you could end up getting a ticket for that. As to the ...
|
| Public Highschool Parking Lot Not Maintained and Subsequently Hazardous | 3/24/2009 |
Q: This afternoon I was leaving my High School parking lot in my Honda Pilot. I saw that one exit of ...
A: I don't see how the school would be considered liable for a sign that you hit in their parking lot. ...
|
| fender bender with police report | 3/23/2009 |
Q: My 18 year old daughter had a fender bender hitting a woman in a van. Everybody's is physically ok ...
A: The main thing to make sure of is that you get the other party to legally sign off from any further ...
|
| car accident | 3/21/2009 |
Q: .Are they obligated to pay for the damages because he live in there home..
A: The parents aren't responsible for the damage unless they owned the vehicle. Get a copy of the ...
|
| Car insurance for my foster child | 3/19/2009 |
Q: I am concerned on how much my car insurance will go up if we add our 16 year old foster son. He ...
A: Foster children are considered to be the same as your regular children, so they should be listed on ...
|
| Insurance for New York Life | 3/17/2009 |
Q: My mother just passed away in February and the insurance company is not wanting to pay. She was 48 ...
A: You don't say how long the policy was in effect, but if it is under two years, it's possible they ...
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| paying for damage | 3/16/2009 |
Q: my parking spot is at a complete slant, practically behind a wall. i notified the owner and they ...
A: If the car is older and already had other damage, you may not have to worry about it. You should ...
|
| medical deductible | 3/15/2009 |
Q: If I am injured in an auto accident by someone who has liability insurance and it was their fault, I ...
A: If the insurance company is refusing to reimburse your deductible, you could try contacting your ...
|
| car insurance | 3/12/2009 |
Q: i live in new hampshire where can i find a document or something stating that i do not legally have ...
A: You can try searching Google. If your state has mandatory insurance, then you either have to carry ...
|
| Overpayment by insurance. | 3/12/2009 |
Q: Ive seen alot of these questions on the site but Im still inclear what to do. My Health insurance ...
A: I believe you are correct- your co pay goes to the doctor. You would still owe the co pays, so if ...
|
| New York State Law Swimming pool Liabiluty | 3/10/2009 |
Q: A friend of mine was diving off a diving board and broke his foot very badly. He was a guest at the ...
A: The homeowners policy would probably respond with whatever limit of medical payments coverage was on ...
|
| car accident, uninsured | 3/9/2009 |
Q: I’ve been with my car insurance company for about a year. It expired last month after the grace ...
A: First of all, there is no grace period on an auto insurance policy. The only type of insurance that ...
|
| Home owner insurance | 3/7/2009 |
Q: A car ran into our brick home's living room. Our house is 40 years old and the contractor could not ...
A: You may want to consult with an attorney, and get an professional real estate appraiser to determine ...
|
| dwi | 3/7/2009 |
Q: my daughter has a felony dwi she has no licence but lives in my home. I have 2 cars both ...
A: Yes, it is possible that you could be cancelled, because the auto policy automatically extends ...
|
| dog chained in backyard | 3/6/2009 |
Q: I changed ins. companies. The new company came to my property for review. I have a family pet ...
A: When you applied for the insurance, it is very likely that there was a question about dogs. Most ...
|
| Insurance Company Questions about Claim | 3/6/2009 |
Q: I recently had my car stolen and have since then recovered it. I had it towed to my home (as advised ...
A: If the feel the claim is suspicious, they will investigate it. If he says the policy gives them the ...
|
| Policy Question for Non-Household Driver | 3/5/2009 |
Q: ! I live in Texas and have Progressive Insurance that I set up and managed online. I let a friend ...
A: The auto policy will respond since he is a permissive driver. Do make sure it is rated for where ...
|
| intersection accident | 3/5/2009 |
Q: It was my right of way.The Robot was green for me.The car making a left turn was behind a truck.and ...
A: It doesn't sound morally right, but there are states that have comparative negligence, where your ...
|
| car wreck | 3/5/2009 |
Q: Yes I let one of my friends borrow my car and he got in a car wreck. I just got the police report ...
A: I'm not from California, but I've never heard of a law that states a party that was damaged in an ...
|
| Transportation Insurance and life insurance | 3/4/2009 |
Q: What recourse do I have when an insurance company determines I am not at fault but refuses to pursue ...
A: There isn't much you can do when the insurance company doesn't want to spend the money to pursue the ...
|
| Liability Insurance | 3/4/2009 |
Q: I had a tree in my rental property yard in CA that was about 15' around and about 130' tall. This ...
A: Personally, I would consider a tree that large and close to your own residence to be a hazard, and ...
|
| Auto Insurance | 3/3/2009 |
Q: I recently had a total loss on my vehicle. My truck was stolen, striped and then burnt. The ...
A: Something that sort of sticks out to me is the low value they put on your vehicle. I would suggest ...
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| Liability insurance for recreational activities on private property | 3/2/2009 |
Q: Denise...My family owns ranch property in Texas and has been approached by a large motorcyle ...
A: The issue with this type of situation is the liability limits and coverage of the limited ...
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| Car Damage | 2/27/2009 |
Q: I just had my windshield replaced by Safelite. The tech who replaced it scratches my paint in a few ...
A: If you don't hear from them within 30 days of when they receieved the estimate, try sending them ...
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| whos to blame and how to make it right | 2/27/2009 |
Q: My friend and i would like to trade motorcycles for a few months, mine is paid for and his is being ...
A: The owner of the vehicle is the one who is responsible for any damages above the limits of liability ...
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| Roof claim insurance denied | 2/26/2009 |
Q: My mom just called saying her roof company (farmers) denied her claim - she had a bad hail storm in ...
A: This type of situation can get to be very complicated, because if she didn't repair the damage to ...
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| Rear End Collision | 2/26/2009 |
Q: 2 weeks ago my car was hit from behind by a limo while I was stopped in traffic. The limo driver ...
A: The limo driver's insurance company will only pay the actual cash value of the car. You are ...
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| Total Loss Car Insuraance | 2/26/2009 |
Q: I recently had my car stolen and have since then recovered it. I had it towed to my home (as advised ...
A: There is nothing in the auto policy that states you cannot keep a vehicle that is a total loss. ...
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| Car Wreck | 2/25/2009 |
Q: What damages can I claim when negotiating with an insurance company? I was hurt in the accident and ...
A: I'm not an attorney, and can't help you much in this. This is something better discussed with an ...
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| Insurance company won't pay as their client won't take blame | 2/25/2009 |
Q: My son was following us in his car and we were crossing an intersection. The light was green for us. ...
A: You are stuck between a rock and a hard place. There is nothing in the policy that says that the ...
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| Homeowner Insurance | 2/24/2009 |
Q: I have owned a home for five years and have had it insured by the same company the entire time. I ...
A: Your logic is ok, but due to losses the industry has sustained, which have so much to do with the ...
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| SOMEONE HIT ME ANDI HAVE NO INSURANCE | 2/21/2009 |
Q: SOMEONE HIT REAR-ENDED ME FROM THE BACK AND I HAD NO INSURANCE IT HAD LAPSED, BUT WHEN THE OFFICER ...
A: If you don't have the insurance information for the person that hit you, you will need to get a copy ...
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| I was driving my mom's car | 2/18/2009 |
Q: I was driving my mom's car, and I got into accident. The other driver's vehicle only had a few ...
A: If you live with your mom, and if your mom didn't claim you as a driver on a renewal review letter, ...
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| Collision damage waiver charges reinbursement due to accident. | 2/17/2009 |
Q: My husband was involved in a car accident about a month ago. Due to the accident the vehicle was ...
A: I'm not a claims examiner, but I've not heard of the at fault company picking up the collision ...
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| parked illegally hit by another driver | 2/13/2009 |
Q: My car was parked in a handicapp spot in Texas. Well a fight and a shooting went oon and one of the ...
A: I'm not from Texas, and they may have a slightly different policy form than other states. The auto ...
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| insurance | 2/12/2009 |
Q: my car has been stolen last December, the insurance asked me to pay the 7 months left of my ...
A: I'm not aware of a fully earned premium on a total loss wording within the auto policy provisions. ...
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| liability insurance on rental cars | 2/9/2009 |
Q: I plan on renting a car in the state of Wisconsin this summer. I live overseas and my insurance ...
A: Some rental companies will not even offer liability coverage, so it is good that you are looking ...
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| moving car struck parked cars door | 2/9/2009 |
Q: i legally parked my car and checked for traffic, then opened my door and as i was opening the door, ...
A: You may be considered to be at fault in this one, as you opened your door into oncoming traffic, ...
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| Statute of Limitations for filing a claim | 2/8/2009 |
Q: Denise- I need to know if there is any statute of limitations for filing a homeowners claim in ...
A: I'm not certain you have coverage for this under the homeowners policy, as it excludes damage caused ...
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| personal liability question | 2/7/2009 |
Q: A business owner/painter was painting inside a home. The painter fell from a ladder and was badly ...
A: The Homeowner's Medical Payments Coverage under the homeowners policy will pay it's limit for such ...
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| Rear-end collision | 2/6/2009 |
Q: Earlier this afternoon, I was struck from behind by a motorist while I was at a complete stop. There ...
A: The other driver is still liable for the damage they caused, even if you do not have insurance. If ...
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| UNABLE TO PROVE A CAR WAS INSURED WHILE DRIVING & BEING INVOLVED IN AN ACCIDENT | 2/5/2009 |
Q: A few months back, my 27 year old son (who is a mechanic) was doing a business friend a side-job, ...
A: Depending on the laws of your state, if your son was driving a vehicle that didn't have insurance, ...
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| do I need to add my teenager who just passed her license to our car insurance? | 2/5/2009 |
Q: your teenager just passed her license. my husband showed me our car insurance policy. it reads: ...
A: Yes, you DO need to add her to your insurance policy if she is living in your household, and will be ...
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| Drive friend's car | 2/4/2009 |
Q: These days i am trying to learn driving. I have my instruction permit. Is it legal to drive my ...
A: The owner of the vehicle is the one responsible for any damages you cause while driving their ...
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| Auto Insurance | 2/4/2009 |
Q: My son was in an accident that someone hit his car. He only had liability on it, so I cannot go ...
A: You may have to pay the difference if you get the car repaired at a different shop. Looking at the ...
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| Boat sunk on river mooring | 2/4/2009 |
Q: It appears that one of the rubber gaiters on the stern drive leaked. The insurance company is ...
A: You will need to review the fine print of your policy, and look at the exclusions. Most marine ...
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| home/auto insurance and fire damages | 2/1/2009 |
Q: My parents' truck caught fire while setting outside the garage. The fire spread to the garage ...
A: You should have limited coverage from your renters policy for personal property off premises, but it ...
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| No insurance | 1/29/2009 |
Q: This morning my son was riding his motorcycle and a car made a left hand turn from a stop sign right ...
A: The other driver will be responsible for the damage to the bike and the injuries that they caused ...
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| car accident | 1/29/2009 |
Q: My mother was in an car accident and as the car was in excellent condition before the accident it is ...
A: What the other insurance company will do is to determine the current market value of the car, and if ...
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| plpd requirments | 1/28/2009 |
Q: In florida what is the minimum amount of plpd that one has to carry?
A: The minimum amounts are $10,000 per person for Bodily Injury to others, with a total of $20,000 per ...
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| insurance and bankruptcy | 1/25/2009 |
Q: My wife and I recently filed bankruptcy. Our current insurance company raised the rates on our auto ...
A: Credit history is used by almost all insurance companies now as a rating factor, because they have ...
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| Shopping cart damage/ Insurance witheld | 1/20/2009 |
Q: I was working at a local market and when I came out there was a note on my windsheild from a woman ...
A: One thing you might try is looking up her phone number in a reverse directory. Hopefully it's a ...
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| shopping cart hit my car | 1/17/2009 |
Q: I was in my parked car, when this man's shopping cart came rolling into my car door with all his ...
A: This is a good question. What you will probably have to do is to sue him in small claims court, at ...
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| Auto betterment | 1/14/2009 |
Q: i own a charger 07 that due to water damage had a new engine head put in. The insurance claims i ...
A: I can understand somewhat a charge for betterment, because you obtained an engine head with no miles ...
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| unlicensed driver | 1/13/2009 |
Q: In the state of Pennsylvania, if a owner of a car lets an unlicensed driver take the vehicle and ...
A: I can't answer as to PA specifically, but generally the owner of the vehicle is responsible for any ...
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| Water Damage in Condo | 1/9/2009 |
Q: I'm in CA. Upstairs condo had pipe leak, causing water damage in my condo. Also, to find the leak, ...
A: I'm not an attorney, but it seems to me that should pay to repair what was damaged. If you're ...
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| tree limb damage to car | 1/8/2009 |
Q: My car was just struck by a tree limb on the property I rent. I have NO renters insurance. ...
A: The landlord is not responsible for damage to your car. In order to cover that type of risk ...
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| Effect of two minimal homeowner's claims | 1/8/2009 |
Q: I've had Georgia HO insurance for 3 years now. A year and a half ago our home was struck by ...
A: It's hard to say how insurance companies are handling such things. You may want to make an inquiry ...
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| Hit a parked car on my property | 1/5/2009 |
Q: My stepson was parked in his driveway and was backing out when he hit the neighbors truck which was ...
A: The person backing up has a duty to make certain they are backing in a safe manner. There isn't a ...
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| dead tree damage | 1/2/2009 |
Q: As a result of recent strong winds in Virginia, a tree was blown over and did some damage to my ...
A: The insurance company will still pay the damage caused by the tree, but may require an inspection of ...
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| auto insurance | 1/1/2009 |
Q: If I were involved in an accident and filed a claim with my insurance company , can the claim be ...
A: If you misrepresented yourself when you applied for the insurance, it is possible they could deny ...
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| Homeowners vacant coverage denied | 12/29/2008 |
Q: My mother's house is forsale and vacant. We purchased vacant home insurance. A broken water pipe ...
A: Coverage for vacant homes doesn't cover water damage from frozen pipes, because it's very likely ...
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| multiple car accident | 12/28/2008 |
Q: I was recently involved in a 4 car accident, in which I was rear ended. I was stopped at a stop ...
A: This is a tough question, and I didn't find much help researching this on line. You may want to ...
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| My Insurance | 12/28/2008 |
Q: Will my car insurance (KY Farm Bureau)cover me driving a van I just bought today? I cannot get ...
A: This comes under the category of Newly Acquired Vehicles. If you have a vehicle insured now, then ...
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| son driving father's car | 12/27/2008 |
Q: Our 20 year old son has wrecked his car, co-owned by myself, his stepfather and him. He is wanting ...
A: If you and his stepfather are on the legal title of the vehicle, then you are also exposed to him as ...
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| hit rear bumber slowly, no damage, no police report | 12/24/2008 |
Q: I was driving my parent's car yesterday. I'm under the insurance policy. It was snowing like crazy ...
A: Since you have her address, maybe you should contact her, and take a camera and get photos of the ...
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| Michigan PPL and No Fault Insurance | 12/24/2008 |
Q: Driving home from town in a bad snow storm we were wating to turn off a state road when a driver ...
A: Here is a link to Michigan's website on No Fault: ...
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| Condo above me flooding my ceiling | 12/24/2008 |
Q: One morning around 3am, my wife calls me at work and says that my kitchen ceiling was leaking a lot. ...
A: If you didn't purchase your own condo insurance, then you've chosed to self insure for damages that ...
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| stolen car accident liability | 12/23/2008 |
Q: My car was stolen and involved in an accident where people were injured. I did not leave the car ...
A: There is an exclusion in the auto policy that would not provide coverage to vehicles that are not ...
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| Neighbors Tree Limb Invasion on my | 12/23/2008 |
Q: Denise,I'm not sur that i will the answer that i'm looking for but here goes...i have a rental ...
A: These types of losses are considered to be not a factor of negligence to the owner of the tree, ...
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| SUED BY INSURANCE COMPANY | 12/22/2008 |
Q: If I am sued by an insurance company for being found at fault in an accident and my insurance had ...
A: If you can pay the full amount, you should do so. The judgment will not be removed until you have ...
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| stolen car accident liability | 12/22/2008 |
Q: My car was stolen and involved in an accident where people were injured. I did not leave the car ...
A: This is generally considered to be an uninsured loss, by an uninsured driver, who took the car ...
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| auto salvage rights | 12/22/2008 |
Q: I have a vehicle that is being totaled under collision coverage with a $1,000 deductible. I view ...
A: If the vehicle is a total loss, then you sign the title over to them. They get to do what they want ...
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| Proper way to transfer car insurance to new state | 12/22/2008 |
Q: I am writing with a question about the proper way to transfer car insurance and registration to a ...
A: I'm not from South Carolina, so I can't get into the technical aspects. Coverage on the auto policy ...
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| pit bull insurance | 12/21/2008 |
Q: can i find out if my neighbor has pit bull insurance. how can i find out who their carrier is. i'm ...
A: As far as I'm aware, there isn't a separate policy for dog liability. This comes under the ...
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| Proper way to transfer car insurance to new state | 12/20/2008 |
Q: I am writing with a question about the proper way to transfer car insurance and registration to a ...
A: There are two issues. One is the registering and titling of the vehicle. The other is the ...
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| Head on collision with drunk driver | 12/19/2008 |
Q: I am a truck driver and was involved in a head on collision with a drunk driver. I had zero fault in ...
A: If you didn't have physical damage insurance coverage on your truck, then you will have to sue the ...
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| SR1 possibly never filed | 12/18/2008 |
Q: January 1997 I was in in an accident in California where I was the only one driver/vehicle involved ...
A: It sounds to me like you have two issues. One is the title of the vehicle. Since you didn't have ...
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| Insurance company does not want to pay my car damages | 12/18/2008 |
Q: My wife with my 10 month old baby pulled out of a parking spot, when she had turned the wheel to go ...
A: I take it that you have liability only coverage on your vehicle, so your insurance isn't going to ...
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| truck fire-gap insurance | 12/17/2008 |
Q: My husbands truck recently caught fire and was totaled. My daughter who was responsible for ...
A: If the policy was lapsed, you don't have any recourse against the policy, and GAP coverage wouldn't ...
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| Multi-family house fire and subrogation | 12/17/2008 |
Q: My tenants were the cause of a fire at my multi-family home, resulting in a total loss of the ...
A: As to question #1, yes, this allows Allstate to go after your former tenants. The are entitled to ...
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| They keep denying my claim | 12/17/2008 |
Q: I purchased a home in Detroit Michigan on October 29 2008, on recommendation from my realestate ...
A: I would suggest contacting your state's insurance commissioners office, and make a written ...
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| Uninsured property damage | 12/17/2008 |
Q: I was hit by an uninsured motorist. I carry only liability and uninsured motorist injury coverage. I ...
A: I believe that you will need to make a claim in small claims court for the damage. Also, you should ...
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| Auto insurance | 12/16/2008 |
Q: My vehicle was hit by a rental co.car and I am making a claim to Avis for storage fees after my ...
A: The best way to do that would be to make a written complaint to the Insurance Commissioners office. ...
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| auto salvage rights | 12/16/2008 |
Q: I have a vehicle that is being totaled under collision coverage with a $1,000 deductible. I view ...
A: Your deductible is doesn't have anything to do with the salvage value. It is purely your share in ...
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| Parking lot california | 12/16/2008 |
Q: My sister drove me and my wife to a parking lot, She got out at one end of the parking lot, and I ...
A: Not having insurance doesn't make you not at fault, but in California, I believe you can get a ...
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| liability of lienholder in accident | 12/15/2008 |
Q: I sold a vehicle to a friend and since they still owed me money I went on title as lienholder. He ...
A: I've never heard of a lienholder being held liable for damages caused by the owner of a vehicle. ...
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| Car insurance company required rating policy with son | 12/15/2008 |
Q: We have a 21-year old son who has been on our policy in Washington state since he was licensed at 16 ...
A: Ten years is a long time to be claim free, so I think you've got the advantage on your side. It's ...
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| Ex husband refusing to give me tags | 12/14/2008 |
Q: I was awarded my vehicle in divorce decree, but the ex still holds the loan in his name only. I pay ...
A: This really isn't an insurance question, but you could try calling the police department where he ...
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| parking lot car wreck | 12/13/2008 |
Q: I was in a bank teller drive thru. A line next to me opened up so I backed up to move over one ...
A: Unfortunately though, I think you're going to be considered at fault, at least to a greater ...
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| Car insurance company required rating policy with son | 12/12/2008 |
Q: We have a 21-year old son who has been on our policy in Washington state since he was licensed at 16 ...
A: It sounds to me like you're dealing with an insurance company that isn't willing to be very ...
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| Unauthorized moving of vehicle | 12/12/2008 |
Q: My husband was in an auto accident. Long story short the other drivers insurance company has taken ...
A: Your best option would be to contact your state's insurance commissioners office and make a written ...
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| hit by car backing up. | 12/11/2008 |
Q: I was hit on left rear quarter panel by a car backing out of their parking spot (neighbor if it ...
A: What you will probably have to do if the neighbor refuses to report it is to file a claim against ...
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| Owner liability for property damage over policy limits | 12/10/2008 |
Q: I am the owner and policy holder for my vehicle. I lent my car to my brother, who at the time and ...
A: Since you are the titled owner, you are the primary insurance for the accident. If he didn't have ...
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| Stolen | 12/10/2008 |
Q: My car was stolen and found a few days later. They didnt find the person whom stole the car. We ...
A: I have a 1997 Cavalier, and it looks to me like they are trying to use trade in value instead of ...
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| Turning Right at Green Accident | 12/9/2008 |
Q: this evening I was turning right on a green light, into the left most lane ( of 3 ) because I turn ...
A: When turning, you are to stay in the lane of travel that you begin with. So you, being in the far ...
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| parking lot collisin | 12/9/2008 |
Q: I was entering a parking lot hand driving forward towards the from of the store. A vehicle entering ...
A: Parking lot accidents are very difficult to determine fault on, especially if one of the parties ...
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| betterment homeowners | 12/9/2008 |
Q: We currently made a claim on our homeowners ins due to the wind storm that hit Indiana and Ohio this ...
A: Betterment is the concept of receiving something better than what you had originally. So, if you ...
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| Someone hit my parked car - I have no insurance | 12/8/2008 |
Q: I'm just wondering what the best course of action is to take in my situation. I returned home to ...
A: I don't see how you would be considered at fault in the accident. What you will have to do once you ...
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| injury in front of my apartment | 12/8/2008 |
Q: My apartment's entryway had wooden planks covering fresh poured cement. I slipped on wooden planks ...
A: This is a good question, and you might want to ask an attorney what they think, as this involved New ...
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| Sister got hit by a lady that ran the stop sign | 12/8/2008 |
Q: My sister was in a car accident in WI. The other person ran a stop sign. Now her insurance is saying ...
A: I would suggest discussing this with an attorney, since the other party was clearly at fault. Here ...
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| Auto Accident | 12/6/2008 |
Q: I was fixing the mirror on my drivers door went back to get a tool and a woman came down the street ...
A: I take it that State Farm is the woman's auto insurance company. I would suggest contacting your ...
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| Rear ended | 12/6/2008 |
Q: im james and last night i was at a stop sign and began to take off when i the seen a car coming so i ...
A: The other party who rearended you is still at fault, so they will have a hard time trying to not pay ...
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| rear ended | 12/5/2008 |
Q: My question is I was rear ended the guy that hit me is claiming he had a stroke, his insurance says ...
A: I see nothing in the exclusions of the personal auto policy that state that the driver who rearended ...
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| deer struck auto | 12/5/2008 |
Q: a deer hit my car last week...I have comprehensive with a $250 deductible and collision with $500 ...
A: Since you own the vehicle, they should be able to make the check directly to you. Just let them ...
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| What should I do | 12/4/2008 |
Q: My wife was hit by a minivan that was coming from an off ramp onto the highway. The Driver was ...
A: Since your wife was going to be exiting the highway, I would say that it's likely a 60/40 at fault, ...
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| Car accident involving uninsured and unlicensed motorist | 12/4/2008 |
Q: I was rear-ended by an 18 yr. old girl who has no license and no insurance. She was cited for those ...
A: Your own recourse as I see it is to file a claim in small claims court against both the girl, and ...
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| whos at fault | 12/4/2008 |
Q: I WAS MAKING A LEFT HAND TURN AND GOT HIT ON MY REAR PASSENGER SIDE MY WHLE BACK AXEL WAS BROKEN IN ...
A: I would have to say that you probably are, if you were making a turn against traffic and got hit ...
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| auto insurance | 12/4/2008 |
Q: I live in Missouri. I recently got married.I had a car with full coverage insurance and my husband ...
A: What I've found indicates that it is unlikely that his auto policy would respond. It's in the ...
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| Home Insurance Escrow | 12/4/2008 |
Q: I recently bought my first home. When shopping for home owner's insurance, at the recommendation of ...
A: The monthly charge is towards your next years premium, and putting that money into escrow may have ...
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| Hit from rear, other company want to pay half. | 12/3/2008 |
Q: I was driving a rental car and in the process of backing out of a lot, I was not moving. I saw the ...
A: Parking lot accidents tend to get a 50/50 split of the liability, because it is very difficult to ...
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| uninsured motorist | 12/3/2008 |
Q: I asked a question and received a very quick response. Thank you very much. The answer seems too ...
A: I'm not from the area, but I agree with the original responder, in that when you sue him in small ...
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| car wreck | 12/3/2008 |
Q: I was in a car wreck on Oct. 20, of 08 in the great state of Texas. I was hit in the driver side at ...
A: Due to the extent of your injuries, you'd be best off to consult with the attorney, and have him ...
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| am i covered | 12/3/2008 |
Q: am i covered in the insurance policy holder gave permission to someone that gave permission to ...
A: It is possible that you may not be. You should consult with an attorney, who can look at the fact ...
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| My Insurance paid the max amount, now what? | 12/2/2008 |
Q: I was involved in a motorcycle (me) vs. car (other person)accident and I was said to be at fault. It ...
A: Car damage is something difficult to estimate for those that aren't in the field. It has to do with ...
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| Concrete Car Stop Damage | 12/2/2008 |
Q: My daughter pulled into a parking space at a shopping center. She did not notice that the spike that ...
A: Generally, parking lots are considered to be not a liability issue for the owners, because people ...
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| car accident | 12/1/2008 |
Q: i was using my cousins car while i was staying with here to take her son to and from school. i was ...
A: I'm not from South Carolina, but how it works in the rest of the country is this that the liability ...
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| left turn accident | 12/1/2008 |
Q: i was east bound on Broadway approching 19th ave and stopped for a four way flashing red light,i ...
A: Since the other party did not obey the flashing red light, they are considered to be at fault. They ...
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| personal tools stollen | 11/30/2008 |
Q: my other concern is there is no signs of forced entry and my company does not have an inventory of ...
A: Many garage policies have coverage for employees tools, either as part of the policy or as an ...
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| uncontrolled 4 way intersection | 11/29/2008 |
Q: Who is atfault in an accident at a uncontrolled intersection? My son was traveling west ...
A: Accidents with no traffic signs or controls on any of the corners are challenging to determine ...
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| homeowners - depreciated value | 11/28/2008 |
Q: recently we had damage to our home in a hail storm, we have completed the work and sent in to the ...
A: If you got the damage repaired for less, that is all you are entitled to recover. You won't get ...
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| forced homeowner insurance | 11/28/2008 |
Q: I had a house fire early this year and because the insurance company has denied my initial claim to ...
A: The best thing at this point may be to make a written insurance department complaint, beginning with ...
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| CIVIL SUMMON | 11/26/2008 |
Q: About two years ago I had an accident with a rental car and to make things even worse, I only had ...
A: What needs to happen is for you to make and keep a payment arrangement with the insurance company ...
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| messed up truck | 11/25/2008 |
Q: My brother in law crashed his tuck the night before last. Now the insurance company dropped him and ...
A: This sounds fishy to me- either you don't have the whole story, or the insurance company is trying ...
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| Floorboards warped | 11/25/2008 |
Q: Either my toilet or my washing machine overflowed to 1 bedroom, hallway and family room. A family ...
A: Yes this would be covered under your homeowners policy, subject to your deductible, as this was an ...
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| Stolen car with insurance | 11/24/2008 |
Q: I had my vehicle listed online and was contacted by a gentleman wanting to buy it. I spoke with him ...
A: You've been conned, and I don't know what to tell you. You were dumb to let him have the car ...
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| car accident | 11/24/2008 |
Q: My parents were involved in a two car accident in FL where they were struck by car#2. Car#2 stated ...
A: I take it that your parents did not have physical damage coverage on their vehicle, otherwise their ...
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| Rear-end collision | 11/22/2008 |
Q: My son (6 months) and I were at a stoplight and another vehicle rear-ended us (they are insured by ...
A: I'm not an attorney, and state laws where you live could impact it. The main thing that Allstate ...
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| Homeowner's Guest Medical | 11/22/2008 |
Q: A payment was made under my Homeowner's Guest Medical coverage in which my insurance company ...
A: The best thing to do at this point is for your guest to make a written complaint with your state's ...
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| bypassing countrywide endorsing my insurance check | 11/21/2008 |
Q: Why is Countrywide still listed as a payee on my insurance settlement check? Can't I legally get ...
A: I'm not an attorney, so all I can suggest is making a complaint with your state's insurance ...
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| backing up with an obstructed view | 11/21/2008 |
Q: In florida, I was reversing out a parking space (private garage) while watching out of the rear ...
A: The person backing up is generally considered to be at fault. Unless you can find someone not in ...
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| Homeowners theft claim | 11/21/2008 |
Q: I was in between moving from one home to another that was about 200 miles away. While at one home ...
A: It may seem to be an invasion of privacy, however, there is another side to the story, and that is ...
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| bypassing countrywide endorsing my insurance check | 11/21/2008 |
Q: Why is Countrywide still listed as a payee on my insurance settlement check? Can't I legally get ...
A: The mortgage company has an interest in the check, as they technically own the house. This isn't an ...
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| Hit and Run | 11/20/2008 |
Q: A Federal Express truck hit our parked vehicle and then took off. Our neighbor across the street ...
A: I would think it is worth pursuing, but it's usually something that your insurance company would do. ...
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| Money Taken | 11/19/2008 |
Q: I recently cancelled my insurance through ESURANCE (10-30-08). I called them and talk to them ...
A: You could try to sue them in court, but since you authorized them to take withdrawals from your ...
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| non-resident auto insurance | 11/17/2008 |
Q: My son (29)recently moved to Texas from Ohio. He would like to borrow our third car temporarily for ...
A: I think you would be better off selling the car to them for $1 or other small amount, and let them ...
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| Car Accident | 11/15/2008 |
Q: 17 years old was recently in a car accident that did not involve another vehicle. 17 year old was ...
A: As it is likely that the 17 year old's parents own the vehicle, they need to tread very carefully ...
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| Failure to yield to motorcyle and solar glare | 11/14/2008 |
Q: MY wife was pulling out of a parking lot, turning left (West) onto a two lane road. She looked into ...
A: It sounds to me like he lost control of his bike while trying to stop, when he had time to slow down ...
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| teen driver | 11/12/2008 |
Q: my 17 yr old son was driving my second car and rear ended someone and left the accident. I got the ...
A: I'm not an attorney, nor am I from Ohio, so I can only give you some general answers. - if my ...
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| stolen car insurance question | 11/10/2008 |
Q: my car was stolen and had been missing for 20 days. I'm in baltimore maryland and would like to ...
A: If the vehicle has been recovered, notify the insurance company of the location. They will send out ...
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| Mortgage Company and Insurance Claim | 11/8/2008 |
Q: Ok, this is a long story but I will try to make it short. My ex-husband and I have a home that was ...
A: You will have to provide documentation to the insurance company, showing that the mortgage was sold ...
|
| condo fire | 11/8/2008 |
Q: My condo complex went on fire oct 30.The building contains 65 units,and everybody has been forced to ...
A: Mold is generally excluded from damage, so you may want to do your best on your own to make certain ...
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| Homeowner liabilty | 11/8/2008 |
Q: A neighbor girl brought a playstation 2 and guitar hero to our home for our 18 year old son to use ...
A: I do not see how your homeowners policy would be liable for this, as you were in no ways negligent. ...
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| home insurance - mortgage company | 11/7/2008 |
Q: I had some damage from the hurricane. My insurance company approved my estimates. They issued me a ...
A: I do know that the insurance company can hold back the amount for depreciation. If you are behind ...
|
| Parking lots | 11/5/2008 |
Q: My neighbor is a small business with a parking lot in the back. His customers have broken several ...
A: I don't see how your neighbor is liable, since his customers caused the damages, and not his ...
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| neighbor law; water runoff | 11/4/2008 |
Q: A neighbor building next to me is changing the existing grade of the land. His lot was lower and he ...
A: This is more an issue that you would have to bring up with your local government authorities and ...
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| home insurance - mortgage company | 11/4/2008 |
Q: I had some damage from the hurricane. My insurance company approved my estimates. They issued me a ...
A: If the repairs haven't been completed, it wouldn't be out of line for the mortgage company to want ...
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| property damage | 11/4/2008 |
Q: I do have insurance. Am I liable for this? Also what is the deal with permission on driveng ...
A: Since you are the owner of the vehicle, you are liable for any damages that are caused when you, or ...
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| theft and total loss | 11/3/2008 |
Q: My father was visiting me in Washington DC. I came out and I noticed that his new car (one month ...
A: The insurance company is doing their due diligence, to make certain that the claim isn't a ...
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| Insurance & Registration | 11/3/2008 |
Q: Is it legal to have auto insurance and vehicle registration at different addresses? In same state? ...
A: Misprepresenting information about your insurance can result in denial of a claim, so it is ...
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| Hit and run | 10/31/2008 |
Q: about a week ago my jeep was parked on the road and someone hit it and attempted to drive off, they ...
A: You may be out of luck, if you can't prove who was driving the vehicle. You may have to investigate ...
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| no insurance | 10/30/2008 |
Q: if if one of the drivers in a parkinglot accident doesnt have insurance and the police were not ...
A: It's difficult to get judgments in cases like this, especially if there are no witnesses. If the ...
|
| siding claim | 10/30/2008 |
Q: We had siding damage to our house over the summer. Insurance wants to repair our siding. Our ...
A: Yes, they can do this, because they only have to repair what was damaged, not replace what wasn't ...
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| Auto accident | 10/29/2008 |
Q: I was the first car in a three car accident. I was stopped in traffic and car number two rearended ...
A: Usually the insurance companies involved will work this out. Technically, the one who rearended you ...
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| Car accident in TN | 10/29/2008 |
Q: A driver passed me illegally in a turn lane. We gestured at each other while he did this. At the ...
A: If you rearended him, it's going to be very difficult to prove that he was at fault. I don't see ...
|
| Friend Backed into me | 10/28/2008 |
Q: A friend of mine backed into me about 2 and a half months ago. I just graduated college and was busy ...
A: Due to the amount of time that has passed, you may have some difficulty, especially if the friend ...
|
| RENTAL PROPERTY | 10/27/2008 |
Q: Good morning, I currently rent a house in Gilbert, Arizona. Last month I was cleaning the bath tub ...
A: Yes, they can try to sue you. It would likely appear that you are negligent, as it would take a lot ...
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| CAR INSURANCE | 10/26/2008 |
Q: I was coming from a friends house and backed into a car parked on the street. I have full coverage ...
A: If you were driving your vehicle, than you should contact your insurance company, and report the ...
|
| Submitting a Gap Insurance Claim | 10/25/2008 |
Q: In 2004, I bought a brand new 2004 Hyundai Elantra for my daughter. The transaction totaled $26954, ...
A: GAP insurance is generally something that would show up on your auto insurance declarations page, so ...
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| Insuring son's car on our insurance? | 10/22/2008 |
Q: Our son's car was recently stolen. They found the car about a day and a half later, but the car had ...
A: If your son is the legally titled owner of the vehicle, and you advised your insurance agent that it ...
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| Property Insurance Claim question and what to do with the excess | 10/21/2008 |
Q: Our commercial property was damaged by Hurricane Ike. The adjuster decided we need a completely new ...
A: Once you have the roof off, you may find the damage to be more extensive than originally estimated. ...
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| Insurance Lapse - 8 Years Ago | 10/20/2008 |
Q: My NYS license is currently suspended with an unanswered ticket from November of 2000. The reason ...
A: Only in NY would they be bothering about a 12 day lapse of coverage from 8 years ago.... I'm not ...
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| HOA General Liability | 10/20/2008 |
Q: Our HOA President has continually harassed us over the past two years with frivolous claims of ...
A: I'm not clear about who the "us" is that is being harassed. You may have to ask an attorney whether ...
|
| Stolen car hit and run | 10/19/2008 |
Q: My girlfriend woke up this afternoon with a phone call from the police. Her vehicle was involved in ...
A: She should report the theft to her insurance company, and explain how she didn't know it was stolen. ...
|
| AUDIT | 10/17/2008 |
Q: When doing and audit on a commercial general liability policy, should the employee payroll be left ...
A: It all depends on what the client represents to the agent, and how good the agent is in collecting ...
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| my car was parked and hit by another car | 10/17/2008 |
Q: My car was parked in front of my house last night and it was hit by a young driver... She also hit ...
A: As I see it, you need to find out if that young driver had insurance, and hope she did. If she ...
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| deductibles | 10/16/2008 |
Q: Do repair shops add tax to deductibles?
A: Deductibles come from the insurance company. That is your share of the loss. As far as I know, ...
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| unlicensed driver not at fault in auto accident | 10/16/2008 |
Q: I was recently in a auto accident where a young lady ran a red light and hit my vehicle. My car was ...
A: It's possible that state law could come into pay here, stating that since you weren't licensed, you ...
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| Auto damage due to parking stop | 10/15/2008 |
Q: I was parking in a parking lot in the District of Columbia to have lunch and when I pulled into the ...
A: I'm not an attorney, nor from DC, but often parking lot's are considered to be something that the ...
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| Roof Claim/Certainteed Shingles | 10/14/2008 |
Q: I have some wind/hail damage on my roof. In the process of getting a repair estimate I found I have ...
A: It all comes down to the cost of the shingles, not that they have to replace them with the same ...
|
| water damage to home | 10/9/2008 |
Q: My husband and I recently bought our first home in ky and we are currently trying to work with our ...
A: They will not replace the drywall unless it has been severely damaged, enough to require ...
|
| My dock damaged by my boat | 10/7/2008 |
Q: In preparation for Hurricane Gustov, I tied off my boat between my bulkhead and my dock. The boat ...
A: I don't see how the boat policy would respond, since the storm is considered an Act of God, the ...
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| Auto insurance company is threatening me with court | 10/6/2008 |
Q: In April of this year I was backing out of my driveway and I bumped into a car that was parked on ...
A: You will need to make arrangements to pay for the damage, or turn it into your insurance company if ...
|
| Accident with someone else's car | 10/6/2008 |
Q: I was just recently in a little fender bender with my friend's car. I was just wondering how the ...
A: You will need to get your friends insurance information. Liability for accidents goes first to the ...
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| coverage | 10/2/2008 |
Q: I don't know much but I brought a car got it insured. My friend moves in he has his own car and own ...
A: If he was drivng your vehicle, then it's possible they could take action on your renewal. If you ...
|
| Automobile accident and providing a rental car. | 10/1/2008 |
Q: I was hit (not at fault) on 08/07/2008. Liberty Mutual decides they are going to repair the vehicle. ...
A: I agree, that they should be in a position to cut the check before cutting off your rental car. You ...
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| Homeowners Insurance Nightmare | 9/29/2008 |
Q: On 8/07/07, I went to a Nationwide agent to change my policy from State Farm. The agent bound me ...
A: Without seeing all the paperwork, I can't say for certain, however it sounds to me like this may be ...
|
| carpet issues and depreciation | 9/29/2008 |
Q: I have an HO5 with SF here in Arizona. I recently suffered a water loss from a toilet flapper that ...
A: I don't see that they will pay for what is not damaged. You could try contacting your state's ...
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| Insurance Lapse | 9/29/2008 |
Q: Recently I purchase a new car in January with a trade of the old vehicle. All insurance information ...
A: I'm afraid you may need an attorney on this, to deal with the fine, unless your auto carrier will ...
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| Getting a total loss | 9/27/2008 |
Q: I have 2 claims, a hail claim and a collision claim. When I took my car in, it turns out it is ...
A: They are correct, in that it would have to be one incident that totals out the vehicle. It would ...
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| auto accident | 9/26/2008 |
Q: I was rear-ended in a 4 car accident. I was the second car hit. My vehicle sustained over 7000 in ...
A: I'm not an attorney, nor am I from Oregon, so I can't advise you specifically. I do know it's more ...
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| carpet issues and depreciation | 9/26/2008 |
Q: I have an HO5 with SF here in Arizona. I recently suffered a water loss from a toilet flapper that ...
A: SF will only pay for the actual damage that occurred, not any losses that occur due to the ...
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| Brand New Car Accident | 9/26/2008 |
Q: I just got my car barley 24 hrs ago and it has been parked in my drive way awaiting my new ...
A: If you traded in your old car for this new car, and had physical damage coverage on the old car, you ...
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| financial responsibility | 9/25/2008 |
Q: i was i auto accident that the vehicle i was drive did have insurance on it but owner of the vehicle ...
A: If your state has a mandatory insurance law, and you were operating a vehicle without insurance, you ...
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| INSURANCE THEFT POLOCY | 9/25/2008 |
Q: Secure Van Lines used my credit card and signed my signature to pick up my entire house hold ...
A: Wow, what a bizarre situation. It doesn't meet the definition of theft, because it's known where ...
|
| Broken arm | 9/24/2008 |
Q: My 9 year old son severely broke his arm getting off of a neighbor's trampoline. My neighbor has ...
A: You may want to consult with an attorney, who can research what laws apply to negligence in your ...
|
| Horse Accident | 9/24/2008 |
Q: 30 totaled the van. We paided our insurance on the 29th they took the payment cashed the check, sent ...
A: It's hard to say what the status of your policy is. It would depend on what the actual policy ...
|
| water damage | 9/24/2008 |
Q: we have unit owner whose air conditioner leaked and caused damage to lower unit ceiling and wall. ...
A: The association would be best to consult their attorney or it's insurance company to confirm that ...
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| auto insurance for 18yr old in college | 9/24/2008 |
Q: What if any auto insurance should I carry for my 18yr daughter who is in school in Massachusetts? ...
A: I would recommend contacting your insurance company, and provide proof that she is attending college ...
|
| Ohio Storm Damage | 9/24/2008 |
Q: this past week a tree fell from a neighbor's property into my parent's causing some damage to two ...
A: Unless the tree was clearly dead, and a hazard that should have been removed, (and you can get that ...
|
| Deceased Mom Homeowner Policy | 9/23/2008 |
Q: My Mother died Sept. 3, 2008. I'm the administrator but the home has not yet begun probate (Sis and ...
A: So sorry about the loss of your mom. The coverage on the house & contents will not change unless ...
|
| car accident while backing out from a parking spot | 9/22/2008 |
Q: my friend and I got into a car accident today at a parking lot. After my friend looked at all ...
A: Usually, backing out accidents are considered to be the fault of the person backing up, however you ...
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| Parking lot fender bender | 9/21/2008 |
Q: My wife was traveling in the travel lane (no parking spaces or stop signs) in a shopping mall when ...
A: Usually the person backing up is considered to be negligent in the accident, so most likely her ...
|
| parking lot accident | 9/20/2008 |
Q: my wife was involved in an accident where she was backing out of a spot, a women had pulled up ...
A: I'm not from Canada, so I can't say for certain how they allocate fault in parking lot accidents. ...
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| Multi car accident | 9/19/2008 |
Q: .All of us were stopped when a speeding car crashed into the back of the first vehicle who hit me I ...
A: That is a good question. My suggestion would be to get on the phone with the other parties ...
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| A Car Wreck | 9/19/2008 |
Q: I was receantly involved in a car accident that was not my fault. I was hit from behind by a car ...
A: Since your mother is the owner, she will have to contact the insurance company of the other vehicle, ...
|
| California Law that chArges a fee to cancel your auto insurance | 9/19/2008 |
Q: I just cancelled my auto insurance policy that I have had for over a year. I was just billed ...
A: I'm not from California, but I can't say that I've heard of a fee required to cancel your insurance. ...
|
| Hit a parked truck | 9/18/2008 |
Q: At my job, we have 3 different business that share a parking lot out front. We are the middle ...
A: I'm not an attorney, so I can't state what laws could apply in the state that you live in regarding ...
|
| accident in parents car | 9/17/2008 |
Q: My friend got in an accident and hit someone and was driving with no license, but it was his parents ...
A: It sounds to me like there are two things going on here. If he got a citation for operating without ...
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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: Accidents that occur when backing up are generally considered to be the fault of the person backing ...
|
| Stolen Van | 9/16/2008 |
Q: My van was stolen 8 weeks ago. The insurance company have messed about delaying things. I was given ...
A: I can't say for certain how such things work in Britain, but in the US, if the claim hadn't been ...
|
| renting a car with no personal insurance | 9/14/2008 |
Q: I recently rented a car from a national car rental agency, and told them i needed basic liability ...
A: There are two types of coverages that you were offered. CDW/LDW pays for damages to the rental car. ...
|
| home damaged by ike hurricane | 9/13/2008 |
Q: I live in Houston. I live in a condo on the 2nd floor of a 3-floor building. Last night, as you ...
A: I can't say for certain how they would handle it, but it would seem likely due to the catastrophic ...
|
| police | 9/13/2008 |
Q: are the police aloud by the law to hit and kick a 16 year old kid when he is not resisting arrest? ...
A: This really isn't an insurance question. This is something that you would want to take up with your ...
|
| Household drivers | 9/12/2008 |
Q: I guess I am illiterate when it comes to auto policies. My son, 20, lives in my home. He has his ...
A: You will need to get a copy of your son's auto insurance policy, showing that he has his own vehicle ...
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| car insurance | 9/10/2008 |
Q: I recently got my car stolen and it was recovered,but with heavy damages and blood in the car.I ...
A: If the car isn't a total loss, I don't see any way that you can refuse to take the car back. ...
|
| left turn accident | 9/10/2008 |
Q: My name is Daniel I Live in Alabama. I was making a left turn a few days ago when i was hit in the ...
A: You're considered to be at fault in this accident, due to the failure to yield the right of way to ...
|
| Spin out, then hit from behind. At fault? | 9/10/2008 |
Q: I was driving in Lane 4 of a 4 lane section of I-80 in CA at approx 65-70 mph. A speeding vehicle ...
A: These types of claims can be very difficult to get the liability for it off of yourself. Since the ...
|
| leak in my garage roof from roof of 3 year old home | 9/10/2008 |
Q: the home manager of our cottages says there are no warranties after three years. They want to send ...
A: My suggestion would be to let them try to repair the leak first, before making a claim on your ...
|
| Roof wind damage claim | 9/9/2008 |
Q: My roof suffered wind damage in April. We filed a claim and were told to get some estimates for ...
A: They should not be able to depreciate the labor for the damage that was caused, but this isn't an ...
|
| hail claim | 9/9/2008 |
Q: I had a hail storm go through that broke my vinyl siding on two walls on north side and ...
A: The policy only requires that they pay for the actual damage caused by the hail. It won't pay for ...
|
| homeowner property insurance lapse | 9/8/2008 |
Q: Evidently my homeowner Insurance payment was received 2 days late and they cancelled my insurance as ...
A: You probably have a very good base for a complaint with your state's insurance department. Since ...
|
| My Car was stolen | 9/8/2008 |
Q: My car was stolen a few days ago at a mall in the parking garage. a day or 2 later the car was ...
A: You're stuck tryng to sue the thief, and his parents for your damages, and you can have the damages ...
|
| House sale and claim | 9/7/2008 |
Q: My house was under contract and during the home inspection it was discovered that the roof had hail ...
A: If you weren't the legal owner of the home at the time the repairs were done, then you haven't ...
|
| Uninsured | 9/5/2008 |
Q: I was just in an accident in IL, it was a 4-car chain-reation accident with the driver behind ME ...
A: If the other driver drove off, they won't have any proof that you weren't at fault. If the other ...
|
| Comprehensive Coverage - Auto Theft | 9/5/2008 |
Q: I live in Virginia and I have Allstate as my insurance carrier. My car was broken in to and in my ...
A: I doubt that you will prevail. If the locks weren't damaged, the auto policy will not respond. If ...
|
| Do we have to do bank draft payment? | 9/4/2008 |
Q: My husband and I are trying to get additional life insurance for our family. Our agent is telling us ...
A: I would suggest talking to a different life insurance agent. The agent and insurance company prefer ...
|
| investigation on my insurance | 9/4/2008 |
Q: I had a laps on my car insurance for a couple of months but my car was kept in storage during the ...
A: The insurance company will investigate this closely, to determine the time you actually started the ...
|
| Coverage for water in basement | 9/3/2008 |
Q: I live in NC and recently experienced heavy rainfall, 8.5inches overnight. The result was water ...
A: You likely do not have coverage for this. This is considered to be Seepage, which is considered to ...
|
| Filing against neighbor's homeowners ins | 9/3/2008 |
Q: Do you have a sample letter or talking points I can use while speaking with my neighbor about filing ...
A: How this type of thing is usually handled is that the health insurance company's attorney's file a ...
|
| property damage caused by neighbor"s tree | 9/2/2008 |
Q: I live in a mobile home park but own my home. If the neighbor lamb falls on my home and causes some ...
A: Limbs falling from trees are considered to be an Act of God, unless you can prove that your ...
|
| HIT BY UNINSURED MOTORIST | 9/2/2008 |
Q: LAST THRUSDAY 08/28/08 MY SON WAS HIT FROM THE SIDE AS THE MOTORIST CHANGED LANE CLIPPING THE BACK ...
A: You will need to get estimates on the damage to the vehicle, and what the vehicles actual cash value ...
|
| Tree Damage | 9/2/2008 |
Q: In Mo., I had a few large limbs of a real dead tree cause damage to my roof and guttering, from the ...
A: There is no requirement for a landlord to carry Rental Dwelling coverage on the building. Most do, ...
|
| General Liability Audit | 8/28/2008 |
Q: My question is about a "subcontractor" exposure code under a Commercial General Liability policy. ...
A: The issue with subcontractors is that even though you may have certificates of insurance, too often ...
|
| MEDICAL CLAIM MADE BY NON-OWNER | 8/27/2008 |
Q: I AM A RESIDENT OF PENNSYLVANIA. ON 12/23/2003, MY FRIEND ASKED TO USE MY CAR. THERE WAS ACCIDENT ON ...
A: The types of coverages that could be involved in this accident would be determined by the situation. ...
|
| Rental car accident - who is responsible? | 8/27/2008 |
Q: I had recently rental a car in SF CA from Enterprise. I was the contract holder but my friend was ...
A: The person who signed the contract is the one personally liable for all damages. If you didn't ...
|
| tree fell on my car | 8/26/2008 |
Q: I stopped at a friends house to pick up my son while I was parked there a tree fell on my car it was ...
A: If you have pictures showing the tree was very rotten, then you possibly have some recourse from the ...
|
| Homeowners insurance/ liability | 8/26/2008 |
Q: I have a friend who fell down a leech pit on a septic system. The lid collapsed under him and he ...
A: Standard homeowners coverage does include liability, however, if the person living in the home was ...
|
| house fire | 8/25/2008 |
Q: I was at my girlfriends house for lunch by myself. I fried some frenchfries for lunch in a pot on ...
A: I've heard of the insurance company coming after you for the damages from accidently starting a fire ...
|
| storm damage from a tree | 8/23/2008 |
Q: During a recent tropical storm in Florida a tree on my property blew over onto my neighbors house ...
A: Unless your neighbor can prove that the tree was dead, and that you were negligent in not having it ...
|
| claim payment | 8/22/2008 |
Q: I have recently filed a claim for some wheels and tires that were stolen from my work place. I had ...
A: Your insurance company has to investigate, and if they can prove that you had them stolen, they ...
|
| Car insurance before marriage | 8/18/2008 |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: I think you should contact your State Insurance Department and make a written complaint. Since you ...
|
| insurance claim on sold house | 8/16/2008 |
Q: I am the executor to an estate and the home had major hail damage, for which I submitted a claim to ...
A: What the bank needs to do is to issue a letter to the insurance company, referencing the claim ...
|
| Car insurance before marriage | 8/15/2008 |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: The best thing to do would be to contact Geico, and ask them to explain the rating on the new ...
|
| House hit by demolition car & trailer | 8/15/2008 |
Q: I was wondering what, if anything, I can claim for a trailer coming off the back of a truck and ...
A: I take it that you didn't have rental insurance, or insurance coverage on the demolition car. You ...
|
| Car insurance before marriage | 8/12/2008 |
Q: Can Geico Insurance issue me a new policy after I inform them that I'm divorcing my wife whom I ...
A: It's pretty standard to split up the auto insurance, but it is usually done after a divorce. The ...
|
| Lapse of Coverage | 8/11/2008 |
Q: In May I switched insurance companies. Shortly after signing the documents and paying the ...
A: The first thing to determine is whether they issued you a writen notice of cancellation to you for ...
|
| Is insurance required? | 8/9/2008 |
Q: Are gas stations required to have insurance for property damage or bodily injury in the state of ...
A: I'm not from Florida, so I really can't help you with this. You might try contacting myflorida.com. ...
|
| Insurance claim question | 8/8/2008 |
Q: I was rear ended last week on my way to work. I was sitting at a red light. I heard brakes and ...
A: Since you are both insured with State Farm, you shouldn't have to pay a deductible, nor should this ...
|
| Betterment on an engine | 8/7/2008 |
Q: Can an engine fall under betterment and not be paid by an insurance carrier? If, yes, how is it ...
A: Claims isn't my specialty, but I would say yes, that an engine could fall under betterment. For ...
|
| Property Damage from Car accident | 8/5/2008 |
Q: Who pays for property damage? At a rental property of mine a retaining wall was damaged after a car ...
A: Liability follows the ownership of the vehicle, not the driver. You will need to file against them ...
|
| G/L Audit | 8/4/2008 |
Q: We are owned by a company based in another country and often purchase goods from the parent company ...
A: This isn't an area of my expertise, but I'm not aware of any exclusion for goods sold between ...
|
| Car accident | 8/3/2008 |
Q: Denise, my husband was driving my car, and was hit from behind at a stoplight. Both cars are ...
A: I would recommend filing with the other driver's insurance. Your insurance company may end up ...
|
| Prevailing State Laws for Auto Accident | 8/3/2008 |
Q: Had an auto accident in 2004 as a passenger - other driver at fault. Was living in Oregon but came ...
A: If I understand you correctly, your health insurance company in Oregon is trying to get back the ...
|
| Exceeding a policy limit | 8/3/2008 |
Q: I am a fairly inexperienced driver and when I bought my first insurance policy 18 months ago I was ...
A: I would first get a copy of the police report. If it states the other driver admitted fault (which ...
|
| Juvenile Auto Insurance Coverage | 8/2/2008 |
Q: My daughter is 19 1/2 and therefore is no longer considered a minor. She primarily drives a car ...
A: If she is driving your auto, it is your auto insurance that will pay for the loss. Do not take her ...
|
| Auto Insurance | 8/2/2008 |
Q: I recently changed auto insurance companies on 7/1/08. I mistakenly thought my auto insurance ...
A: If you made your payment for the new insurance on 6/26/08, and you had proof of insurance from your ...
|
| driveway accident | 8/2/2008 |
Q: If you are backing out of the driveway, and there were no oncoming traffic, and if the rear of the ...
A: In these types of accidents, it is generally the person backing up who is considered at fault, as ...
|
| no insurance and got t boned | 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: You could consider contacting your State's Insurance Department, and ask them for assistance. Or ...
|
| Liability for Personal Property Damage | 8/1/2008 |
Q: I live in Lorain Ohio and my truck recently received over $5,000 in damage from a fallen tree limb ...
A: The Landlord is not liable for this loss. You have chosen to self insure for the damage that could ...
|
| help | 7/31/2008 |
Q: I have a two year old and I take care of young children, the dog has many times attempted to attack ...
A: You would be best to contact local law enforcement and complain about the damage to your property ...
|
| Right to Reimbursement from Settlement | 7/30/2008 |
Q: I live in Georgia and was in a car accident 28 months ago caused by the driver of a commercial van. ...
A: I'm not an attorney, but it seems to me that if your health insurance has a Right to Reimbursement ...
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| water in basement after repairs (hypothetical) | 7/30/2008 |
Q: I am currently in the process of solving recurrent water issues with my basement. I have determined ...
A: Real Estate Law isn't my specialty. As I understand it though, the main thing is to fully disclose ...
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| homeowners insurance | 7/30/2008 |
Q: Is it possible to have a homeowners policy that pays a limited maximum amount for loses/damages that ...
A: I wouldn't say that it's absolutely impossible, but you would need to work with them to get them to ...
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| my parked car was hit | 7/29/2008 |
Q: I was wondering, my parked car was hit by a gentleman and I have no Ins. What do I do and am I in ...
A: If you can't identify the driver who hit your car, then you will have to pay to have the vehicle ...
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| Auto Insurance Coverage | 7/29/2008 |
Q: My 21 year old daughter is moving back to Washington State after living in Mississippi attending ...
A: It would help her to be able to provide proof that she is a rated driver on an auto policy, once she ...
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| left turn on yellow light | 7/29/2008 |
Q: I entered intersection on green light and I was waiting to make left turn, light changed on yellow I ...
A: If he should have given her a ticket for expired insurance and didn't, yet took your drivers license ...
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| cutting trees for insurance requirement | 7/28/2008 |
Q: Our homeowners insurance is asking us to cut limbs that hang over the house. We have done this ...
A: Your best bet at this point is to advise them that the trees are not on your property, and that you ...
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| left turn on yellow light | 7/28/2008 |
Q: I entered intersection on green light and I was waiting to make left turn, light changed on yellow I ...
A: Sorry I misunderstood. In that case, you had the obligation to yield to oncoming traffic, and you ...
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| Homeowners or Medical Insurance? | 7/26/2008 |
Q: In WA State, a friend of mine was standing on a dock in the dark. Went to step back not realizing he ...
A: It is possible that they would want to subrogate against the homeowners policy. They would likely ...
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| homeowners insurance | 7/26/2008 |
Q: Is it possible to have a homeowners policy that pays a limited maximum amount for loses/damages that ...
A: There is a Modified Replacement Cost endorsement. This is used when replacement with the same type ...
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| left turn on yellow light | 7/25/2008 |
Q: I entered intersection on green light and I was waiting to make left turn, light changed on yellow I ...
A: If she entered the intersection before the light was green, she would be considered to be at fault. ...
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| Finally got in contact with hit and run driver | 7/23/2008 |
Q: Scenario: on a California highway (in June of '07), I was rear-ended by a hit and run driver. I ...
A: You will have to pay the repairs yourself, and get law enforcement to cite the driver, and sue the ...
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| Radial head fracture | 7/23/2008 |
Q: Feb i rented the apartment, i had mentioned and asked the landlord about the driveway being fixed ...
A: You could consult an attorney, and see what they say. Possibly, they will stay that since you were ...
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| damage from dead tree | 7/21/2008 |
Q: I live in Florida. Recently a dead pine tree from the adjacent property fell onto my property doing ...
A: If you can document and prove that you discussed this with the owners, you may be able to get their ...
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| credit disability insurance | 7/19/2008 |
Q: I don't know if this is your field but here goes. My bank informs me that they are dropping the ...
A: If they are taking this action on their entire book of auto loan business, with appropriate notice, ...
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| hire car insurance | 7/18/2008 |
Q: I am a UK citizen, went to Los Angeles, hired a car, they sold me RLP only,I didn't have to show ...
A: Rental car companies offer three types of coverage, and it is your option as the leasee to decide ...
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| cutting trees for insurance requirement | 7/16/2008 |
Q: Our homeowners insurance is asking us to cut limbs that hang over the house. We have done this ...
A: Your homeowners insurance does have the right to request you to do this, because if they feel they ...
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| coverage for a driver not on title | 7/16/2008 |
Q: we are leaving the country and have California Casaualty insurance, and have also checked w/AAA. We ...
A: She can be a permissive driver of the vehicle, just by you giving her permission. She will not be ...
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| Tree on Truck | 7/12/2008 |
Q: My son and I were on our way home tonite when a large portion of an old oak tree broke off and fell ...
A: You can ask, but I doubt that the county will respond. You would have to be able to prove that the ...
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| car wreck | 7/11/2008 |
Q: My daughter allowed a college friend to drive her car to the store. The girl admitted to speeding ...
A: I'm not clear, first of all, who the legal titled owner of the car is. If you are, then it could be ...
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| Gen. Liability | 7/11/2008 |
Q: Denise We are being audited now on our liability. I'm told I must include all subcontractors (who ...
A: The reason this is being required is because most of the agreements with entities involved in ...
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| no insurance accident | 7/10/2008 |
Q: My son was recently riding his motorcycle to work and was struck by a motorist. He didn't have ...
A: Some states are very strict and require all drivers to carry insurance. You may want to find your ...
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| Car insurance | 7/10/2008 |
Q: I am 17 and i was uninsured and in a car accident. I have no way to pay for the damages because of ...
A: If your father is the legal owner of the vehicle, he is responsible for the damages. They will put ...
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| Boat sank at dock | 7/10/2008 |
Q: on 6/10/08 we received a call from NJ State Police, our boat was sinking.when we arrived the boat ...
A: I used to work for a company that did marine insurance. Marine surveyors are generally very good at ...
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| Lfe Insurance | 7/10/2008 |
Q: My Broher in law passed away 5 yrs. ago. He had an American Express credit card with a $10.000.00 ...
A: If you can find proof that your brother in law in fact had a life insurance policy, and in fact you ...
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| Broken windshield liability | 7/9/2008 |
Q: I had a sheriff come to my house this morning saying a woman called in to report that my truck threw ...
A: Most states have case law now that state these types of things are considered to be road hazards, ...
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| leaving the scene | 7/9/2008 |
Q: I recently was in a leaving the scene accident. I had liability insurance and was issued a ticket.I ...
A: If I understand this correctly, you were in an accident with a telephone pole, and the vehicle you ...
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| auto accident | 7/8/2008 |
Q: I was involved in accident April 2007.Four way intersection,stop sign other driver,as I had right of ...
A: I'm not clear on your description of the accident. Your best hope would be to find a witness who ...
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| I was reversing but was never in park | 7/8/2008 |
Q: I pulled partially into a parking spot to reverse into another directly back. I checked all mirrors ...
A: Parking lot accidents are difficult to assess negligence to. Common sense states you yield the ...
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| Stolen vehicle recovered | 7/8/2008 |
Q: My vehicle was stolen on June 3,2008 and I reported it. It was recovered in Mexico on June 25,2008. ...
A: What you may have to do is contact the California Department of Insurance, and make a complaint, ...
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| Failure to yeild? | 7/8/2008 |
Q: I pulled out of a driveway on wet roads.A snow bank obstructed my view to 3-4hundred feet.165 feet ...
A: You should certainly question your insurance company why they paid damages for the other party's ...
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| Earthquake Insurance Coverage - Special Assessment | 7/7/2008 |
Q: I purchased my condo in California. At the time I was disclosed an HOA fee which included ...
A: This sounds like something that is covered in the very fine print of your original HOA agreement. ...
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| life insurance | 7/7/2008 |
Q: My husband died April 17,2008 of acute cardiac arrest the insurance company has yet to pay out. ...
A: If you feel the insurance company isn't cooperating in proving you the right forms to make the ...
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| Who's responsible | 7/7/2008 |
Q: My daughters boyfriend was living at home with his parents in Washington State when he got in an ...
A: I'm not from Washington state, nor an attorney, but generally, you are correct. It is the owner of ...
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| uninsured motorists | 7/6/2008 |
Q: my wife was hit by a uninsured motorists, all his fault, and our wisconsin insurance comp. says that ...
A: The Uninsured Motorist coverage on your policy is Uninsured Bodily Injury, which has to do with the ...
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| motorcycle accident | 7/6/2008 |
Q: I was involved in a motorcycle accident one month after i registered the bike in my name and had no ...
A: You haven't stated it, but it appears that you are in California, which is a mandatory insurance ...
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| Parking Lot Right-Of-Way | 7/5/2008 |
Q: I was backing out to get comfortably in a parkng space. I made one more reverse, and a car suddenly ...
A: Parking lot accidents are challenging to explain fault, and some companies may consider fault 50/50. ...
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| My car was stolen | 7/4/2008 |
Q: My car was stolen off of a dealership lot while being fixed...two minors stole it...my car has been ...
A: The nature of insurance isn't to compensate you fully for every loss, but to provide you with some ...
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| Removals Company - Goods Damaged in trasit | 7/2/2008 |
Q: We recently moved house and the movers were ok, though a few things were broken (one of which a ...
A: It sounds like you are from the UK, so if their contract doesn't reference the excess amount, you ...
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| Parking Lot | 7/2/2008 |
Q: I was in a parking lot in Texas and come to an intersection and stopped. The other cars was parked ...
A: You might try seeing if there were witnesses who can attest that she was a passenger in the vehicle, ...
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| Rental Car Break-in | 7/2/2008 |
Q: I was recently rear-ended in my personal car. I had to take the car to get repairs and the insurance ...
A: I'm not from Texas, but what you were told doesn't make sense to me. Your personal auto policy's ...
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| Previous Owner Roof Damage | 7/1/2008 |
Q: After purchasing a Michigan home a year ago, we discovered roof leaks. A licensed roofer examined ...
A: I don't know how much help I can be in this situation, but there are issues to look at in regards to ...
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| Texas Private parking lot, Small accident | 7/1/2008 |
Q: My Girlfriend was backing up in a paring lot, when out of nowhere a guy in a Minivan tried to make ...
A: You will need to find witnesses who can confirm that it was the Minivan who was operating in an ...
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| Accident in boyfriend's car | 6/30/2008 |
Q: I was borrowing my boyfriend's car when I pulled out of a parking spot and hit another woman's car. ...
A: You can try contacting her insurance company directly, and offer to make the payment for the claim ...
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| claim question | 6/30/2008 |
Q: Greetings! I had an adjuster at my house recently to see if the damage to my roof was due to the ...
A: I'm not an attorney, but it appears that the payment for the claim was made in good faith, for the ...
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| Broken Windshield Claim | 6/30/2008 |
Q: Under Texas law who is liable for a broken windshield on a highway ? Does this fall under the road ...
A: No, as I understand it, these are considered to be falling objects/road hazards, which the driver of ...
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| tree damage from storm | 6/28/2008 |
Q: During a recent storm, a big branch from my neighbor's tree fell damaging my fence and grill. I do ...
A: Unless the tree itself was completely dead, it's very difficult to prove that the owner was ...
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| accident with a rental car | 6/27/2008 |
Q: how do i go about finding out who pays for repairs to my car when the rental car driver was ...
A: Your best bet would be to consult an attorney, as state laws vary on this. They can advise you ...
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| insurance replacing AC and carpeting | 6/27/2008 |
Q: Will my insurance replace my air conditioning if 12 years ago we found out that it was not installed ...
A: Your insurance may repair the damages, if they can verify that the cause of the loss was improper ...
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| Fallen tree | 6/27/2008 |
Q: A tree has just fallen on my house. the tree was clearly hollow in the center and has been this was ...
A: These types of claims are very complicated, because you have to prove that the owner was negligent ...
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| Plumber caused leak which resulted in water damage | 6/27/2008 |
Q: I called a local licensed and bonded plumber (in Los Angeles) to install a kitchen sink faucet. In ...
A: You will want to contact your insurance company, and ask them how they will look at a claim of this ...
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| Broken Windshield Claim | 6/26/2008 |
Q: Under Texas law who is liable for a broken windshield on a highway ? Does this fall under the road ...
A: I'm not an attorney, nor from Texas, but it's been pretty much decided in the industry that broken ...
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| I crashed my friends motorcycle he has no collision coverage. | 6/26/2008 |
Q: I need to know what my obligations are. I was doing some work on his motorcycle which I needed to ...
A: You may have some additional responsibility to repair the vehicle in this case, since you were in ...
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| neighbor borrows a power saw... | 6/26/2008 |
Q: Although I live in Calif this question might be of interest to anyone anywhere who owns their own ...
A: I'm not an attorney, but generally speaking, unless you are lending the tool to a minor or someone ...
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| Can he claim? | 6/26/2008 |
Q: Yes, okay so im 16 and I've had my licenses for awhile and im driving home with a friend behind me ...
A: Technically, rear end collisions are considered to be the fault of the person doing the rearending. ...
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| Total loss and salvage | 6/26/2008 |
Q: An insurance company and I have arrived at an agreement, in writing, on a fair value for my total ...
A: I've never heard of this being required, that the insured has to keep the ownership of the totaled ...
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| No Contributing Factor/No Insurance Driver | 6/25/2008 |
Q: A few weeks ago a guy was in the left turn lane and I was in the right turn lane. I was turning ...
A: You should provide your insurance company with a copy of the police report, showing that you weren't ...
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| friend damaged my car, will insurance cover? | 6/25/2008 |
Q: My roommates and I have apron parking at our apartment, and just recently, one of my roommates ...
A: Insurance companies vary in how they handle accidents. They will look at your driving record, for ...
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| accident with a rental car | 6/25/2008 |
Q: how do i go about finding out who pays for repairs to my car when the rental car driver was ...
A: I'm not an attorney, and this could vary by state. Generally, it is not the rental car company that ...
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| can my license be suspended? | 6/24/2008 |
Q: I was involved in a car accident back in Feb. and had no insurance. I recently was contacted by a ...
A: I'm not an attorney, and state laws do differ regarding causing damages in accident, and not having ...
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| HOA refuses to pay | 6/24/2008 |
Q: I own a garden level condo that has been plagued with water and sewer backups. About 6 months ago, ...
A: I'm not an attorney, but HOA's can, but vote, change anything in the agreement between the HOA and ...
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| Soil erosion | 6/24/2008 |
Q: Neighbor (a Tenant renter)removed privacy fence on his side without first notifying us, reulting in ...
A: This involves fence ownership laws, which vary by state, and also the owner of the property. This ...
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| friend damaged my car, will insurance cover? | 6/23/2008 |
Q: My roommates and I have apron parking at our apartment, and just recently, one of my roommates ...
A: Your insurance should cover the loss, if you purchased collision coverage, as you gave them ...
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| stolen car | 6/22/2008 |
Q: Cars101 sold me a car with fraudulent docs...when I didn't pay all the car up front a month ...
A: This isn't my area of expertise, but there should be a State of California division that handles ...
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| when does motorcycle insurance go in affect | 6/21/2008 |
Q: my son call his insurance company to let them know he had just purchased a motorcycle they told him ...
A: It depends on the policy form that they are using. Get the policy provisions, and look under "Your ...
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| Revoked Driver in a one car accident inNY | 6/16/2008 |
Q: I borrowed my uncle's car and was involved in a one car accident in which i hit a curb, a mailbox, ...
A: I'm not from NY, so I can only give you what I know about the auto policy in general. If your uncle ...
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| Recovery of lost income - auto accident | 6/13/2008 |
Q: I was involved in a auto accident in Nov. 2006 where the traffic on the freeway came to a stop. A ...
A: I'm not an attorney, but compensation for sales commissions is a very difficult thing to get ...
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| Home Owners Insurance with Cat | 6/13/2008 |
Q: My neighbor's cat came into our yard and fell into our oil bucket (My husband has not got around to ...
A: You aren't liable for the damage, because his animal was the cause of it. Had he had his cat ...
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| Bad D.U.I. crash | 6/12/2008 |
Q: 2 years ago i was in a bad d.u.i. crash. My vehicle rolled twice, and the vehicle i struck slammed ...
A: I'm not an attorney, but generally, ownership of the vehicle is based on how the vehicle is titled. ...
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| Car accident/ insurace | 6/12/2008 |
Q: Ok well my hubby was involved in an auto accident. He didn't have insurance at the time of the ...
A: No, he will not be covered for the accident. The insurance company will note the time the accident ...
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| i wreaked my friends car | 6/12/2008 |
Q: i wreaked my friends car, irrelevant it may be but i have the same model and make car fully insured, ...
A: No, your car insurance isn't going to pay for the damage you did to your friends car. The owner of ...
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| lawnmower left in street | 6/11/2008 |
Q: Our lawn service left their walk behind mower in the street at the bottom of our driveway and I ...
A: I doubt that a judge would hold you liable in this, because they were negligent in where they left ...
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| Overpayment of Insurance Claim | 6/11/2008 |
Q: Our pop-up camper was damaged by weather. The claims adjuster came to look at it. He took photos, ...
A: It is possible that they could come back and request the money back. If it is much more than the ...
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| parking lot backing | 6/10/2008 |
Q: My daughter was backing out of a space at college(Springfield MO.). Her friend riding with her said ...
A: Parking lot accidents are very difficult to assess fault on. Some states include some negligence ...
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| Lapse in Life Insurance | 6/10/2008 |
Q: My boyfriend's grandfather has a life insurance policy for which he pays $13.69 per quarter. He ...
A: There is a 30 day grace period for this type of policy. If you are within that 30 days, then just ...
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| Address on insurance policy | 6/9/2008 |
Q: To keep this simple I basically have a perminent address that I live at on weekends and the odd week ...
A: That's a tough one, but I think you are ok if you don't actually live at your brothers full time or ...
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| Damage caused by neighbor's property | 6/9/2008 |
Q: Four days ago we had a storm with very high winds. One of my neighbor's trampoline was picked up by ...
A: My suggestion would be to get the make and model of the trampoline, and get the owners manual on the ...
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| Is this theft? | 6/9/2008 |
Q: I gave a friend permission to drive my car to pick up his children. He was arrested at another ...
A: If the car was stolen from someone you gave permission to drive it, then your policy should cover ...
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| neighbors roof took out our fencing | 6/9/2008 |
Q: We live on a farm and farm insurance in IA does not cover fencing in high winds or tornado's. Our ...
A: Yes, this is correct. If the damage was as a result of a storm, it's considered to be an Act of ...
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| parking lot | 6/7/2008 |
Q: I work on a Hotel in California, some of the guests sometimes ask to leave their cars on the parking ...
A: Most likely, since the parking is provided as a convenience to their customers, and it's not part of ...
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| Homeowners Liability w/Dogs | 6/7/2008 |
Q: My dog got into the street and was involved in an accident with a cyclist. The cyclist suffered ...
A: Your Homeowners insurance policy should respond. They do for dog bites, so they should in an ...
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| household stolen | 6/6/2008 |
Q: My son and daughter in law recently moved from Texas to California. They had rented a truck and had ...
A: I'm attending a continuing education update today, and was advised that you should be paid for this ...
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| *Can you help me...? | 6/6/2008 |
Q: *Hi, I was wondering if you could help me with a question. My husband and I came home a while ago ...
A: Such things are considered to be an Act of God, and are covered under your neighbor's Comprehensive ...
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| liability for damage caused by child | 6/5/2008 |
Q: My son and a friend who was visiting us, were playing in front of our house. A neighbor apparently ...
A: If your son didn't touch this neighbor's car, there is no liability that should come to you, only to ...
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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: The best that you can hope for here is that the person who was behind you would be a witness as to ...
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| Auto insurance for child of divorce | 6/4/2008 |
Q: My ex-wife and I have different insurance policies with different companies. Our son will be 16 in ...
A: It basically comes down to who owns the vehicle that the son will drive. If he will be primarily ...
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| Insurance | 6/4/2008 |
Q: I was takent to court thje other day. claimimng that my car was not insured to be on the road, even ...
A: If you are not able to provide the proof of insurance required by law, then you are at the mercy of ...
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| Stolen Vehicle Recovery | 6/2/2008 |
Q: Long story short, my vehicle was stolen (Texas) and recovered 6 hours away from where I live. My ...
A: Can't say that I've encountered this before. I personally wouldn't want to drive the vehicle until ...
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| Who should pay? | 5/29/2008 |
Q: My daughter, 14, borrowed a friends car and got into an accident in December last year. Her friend ...
A: Interesting response from the SC DOI. I think it is the judge's interpretation that holds up in ...
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| Car Insurance | 5/29/2008 |
Q: We just had the title of one of cars put in my 22 year old son's name and he now has his own car ...
A: I'm not an attorney, but as long as he is not driving your vehicles, you wouldn't have the auto ...
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| Who should pay? | 5/28/2008 |
Q: My daughter, 14, borrowed a friends car and got into an accident in December last year. Her friend ...
A: Liability rests with the owner of the vehicle. I would get a transcript of the judge saying she had ...
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| Water Damage | 5/26/2008 |
Q: I just had water damage to the entire basement with all my furniture down there (I was painting the ...
A: It will depend on what coverages you purchased on your policy, and what the actual cause of loss is. ...
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| Gas station accident | 5/24/2008 |
Q: While I was filling up my car, I absent mindedly tripped over the pump in my car. The hose connected ...
A: I would send them a letter, advising them that you didn't drive off, that you tripped, and that the ...
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| unlicesed driver | 5/21/2008 |
Q: I recently lent my car to someone who has had his license revoked (due to DWI) and is currently not ...
A: Your auto policy should provide coverage, unless you had a special endorsement (unlikely) excluding ...
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| Other driver failed to yield right away, says I had a turn signal on | 5/16/2008 |
Q: This morning, I was traveling westbound on a two lane road to go to work. About 50 feet before a ...
A: It sounds to me like you had the right of way, and that she should have yielded, and that she was at ...
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| theft | 5/15/2008 |
Q: My vehicles was broken into while at the mechanic shop. My loss is $5,897. Insurance did not cover ...
A: I'm not from California, but likely you will have to file a claim for this in court- whether small ...
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| STOLEN CAR | 5/15/2008 |
Q: MY CAR WAS STOLEN OUT OF MY PARKING LOT. I AM FUSTRATED AND WITHOUT A VEHICLE. HOW MANY DAYS DOES ...
A: The insurance company probably will not automatically know that the vehicle was found, so you should ...
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| Is my claim going to be denied?? | 5/15/2008 |
Q: My car was stolen two weeks ago. My insurance is giving me a hard time about it. They found and ...
A: Since you didn't give this kid permission to take your vehicle, and your keys were stolen, they ...
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| private vehicle damage from business property | 5/14/2008 |
Q: I live in Utah and recently my car windshield broke while i was at work. what broke my windshield ...
A: Falling debris from trees is generally considered to be an Act of God, unless you can prove the ...
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| life insurance payment | 5/11/2008 |
Q: A "friend" told me his friend died as the result of a suicide attempt and that he was the ...
A: I would indeed be suspect. Two weeks is rather short. As to suicide, there is a 2 Year period of ...
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| 17 year old in an accident | 5/7/2008 |
Q: I have a 17 year old daughter who has had her license for a little over 1 year. Yesterday she was ...
A: Filing a claim with your insurance company will definately impact your insurance rates. If the ...
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| Roof damage | 5/6/2008 |
Q: On Feb 7th the roof on a portion of our house was damaged by wind. This particular section of the ...
A: I think you have good cause to make a written complaint for delay of claim payment with your state's ...
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| Tree in Right of Way | 5/5/2008 |
Q: I was driving down a city road and a tree fell about 15 foot down a bank and landed on my car, tree ...
A: You would have to look to your own auto insurance policy, as such losses are generally considered to ...
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| Car Accident insurance claim from GEICO | 5/1/2008 |
Q: I am confused and hope you can help me. I had a car accident on 03/10/2007 and the car was only 6 ...
A: I've heard of people suing in the state of Virginia regarding diminished value, and winning. I'm ...
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| mother fell and broke tailbone | 4/23/2008 |
Q: My mom slipped on water from a leaking hotwater heater and broke her tailbone at her mom's house. ...
A: If your mother doesn't reside with her mother, then the homeowners policy should respond, at least ...
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| Someone else's motorcycle - no insurance | 4/19/2008 |
Q: I crashed a friend of mine's motorcycle and he has no insurance. He came to me and asked if i ...
A: Your friend has the responsibility of choosing to insure, or not to insure his motorcycle for ...
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| Will landlords liabilty Ins help | 4/18/2008 |
Q: My son rents a room in the basement of a private residence. He fell down the stairs a week ago and ...
A: I'm not an attorney, but I can give you my opinion. If the landlord had stuff on the stairs ...
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| non owner insurance | 4/14/2008 |
Q: I was loaned a car for 1 day. i had an accedent with no bodily injury. i currently have a state farm ...
A: You don't say why you were loaned the car. If it was because your regular vehicle was out of ...
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| 2 month old claim | 4/11/2008 |
Q: i had a water leak from the second floor in my home which damage the 1st floor and basement on ...
A: I would advise the company that they have 10 days to resolve this, or you will contact your state's ...
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| Bad Parking lot | 4/10/2008 |
Q: and while cruising the parking lot, to find a decent space, BAM!!!!!!! i hit a ditch that was a ...
A: The owner of the property should be liable for having a dangerous condition like a unmarked ditch in ...
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| Truck damage | 4/9/2008 |
Q: I have a rather unusual situation. I rent an apartment in CT, and parked my truck in a parking ...
A: I'm not an attorney, but I believe you may have grounds for the condo paying it, so I would appeal. ...
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| auto accident | 4/9/2008 |
Q: My 16 year old was involved in a car accident. The other party was responsible and their insurance ...
A: Yes, I believe that is basically correct. You will need to keep close track of what bills you pay, ...
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| What Can I do? | 3/29/2008 |
Q: I've been living in my new home for 5mos o far and my roof is leaking in five places. When i first ...
A: This doesn't really come under the area of insurance law, but under the laws that real estate agents ...
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| Backing out of a Parking Lot space is NOT a fault while hitting oncoming traffic. | 3/27/2008 |
Q: I have been told by my father, a 30 year insurance technologist, reported to me that it is NOT the ...
A: You dad has an interesting perspective, however I believe strongly that if you talk to insurance ...
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| general liability audit | 3/17/2008 |
Q: I did not renew the general liability policy with my previous insurance company. I was called a week ...
A: Yes, legally, you do have to do this audit. You agreed to it per the conditions of the policy- it's ...
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| accident | 3/15/2008 |
Q: I was in an accident with someone at an intersection(he had a flashing red signal and I had a ...
A: You're in a tough spot here. You really should have called the police, but I'm sure you realize ...
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| Auto Theft | 3/14/2008 |
Q: I recently had my car stolen from school. I followed all procedures. I filed a claim with my ...
A: There are limits in the policy for stereo systems and other customization, and they need to be ...
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| medical lein & selling property | 3/13/2008 |
Q: I was involved in a motorcycle accident and I am still undergoing extensive medical procedures to ...
A: The only way to know for certain if there is a lien is to check with the Register of Deeds. It'll ...
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| medical lein & selling property | 3/12/2008 |
Q: I was involved in a motorcycle accident and I am still undergoing extensive medical procedures to ...
A: You would want to check with the Register of Deeds, and see whether a lein has been placed on the ...
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| vehicle registration for Texas | 3/11/2008 |
Q: I am currently driving my sister's car (it's in her name) and I have liability insurance on it in ...
A: You cannot insure or register a vehicle that you do not own, and she wouldn't be able to get ...
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| CA - Car Accident, No Fault, No Insurance | 3/10/2008 |
Q: I was in a car accident in my boyfriends car, that was not my fault. I did not have insurance, but ...
A: First of all, there are NO grace periods ever on auto or homeowners policies, just so you know for ...
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| Failure to yeild right of way | 3/8/2008 |
Q: I was recently involved in an accident in North Carolina. SCENARIO: I was traveling on a two lane ...
A: The first thing I would suggest is getting a copy of the police report, submit a copy of that again ...
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| DV | 3/7/2008 |
Q: DO YOU HAVE ANY CASE LAW ON 3RD PARTY DIMINISHED VALUE ?
A: I'm not an attorney, but you may want to do a search on google on laws in your state to see what you ...
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| I was rear ended | 3/6/2008 |
Q: I live in Illinois. I was rear ended the last week of February. I didn't go to the doctor because it ...
A: Just because you think you deserve more doesn't mean you are legally entitled to more. You need to ...
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| i had a car accident all my fault | 3/5/2008 |
Q: I had a car accident 3 days ago, I was driving in L.A at the 5fwy.. I had not gotten any sleep the ...
A: You're in a tough spot here. If the car was legally titled to you, you are responsible for the ...
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| out of country | 3/5/2008 |
Q: their fault,they got ticket.here in fla on holiday they have not reported the accident to their ...
A: If their insurance policy is from Canada, I really can't answer, since different policy forms apply. ...
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| driver had suspended license | 3/5/2008 |
Q: I let a young man borrow my car to pick up his daughter from daycare. Well, he ran into a telephone ...
A: If you carried physical damage coverage on your car, since you gave permission to the driver, your ...
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| car insurance | 3/5/2008 |
Q: Last month my 05 Trailblazer was hit by a 16 yr old with no insurance and no license. My insurance ...
A: Technically, it is the sister who is legally liable for the damages, since she is the owner of the ...
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| Inactive auto insurance | 3/4/2008 |
Q: I had a car accident few days back..in which my car was hit from back..Now a guy who hit my car had ...
A: Some states will allow you to have a judgment put on the other person's driving record if they cause ...
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| homeowners insurance | 3/4/2008 |
Q: Are insurance adjusters allowed to discuss your claim openly with others? What would an insurance ...
A: I had a hard time understanding all what you were trying to get across. My background isn't claims, ...
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| Small Claims in Michigan | 3/3/2008 |
Q: My husband and I were in an accident where a 71 year old woman pulled out fin front of us failing to ...
A: I'm sorry that I can't be of much help to you in this situation. Here's a link to Michigan No Fault ...
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| Accident Liability in accident | 3/3/2008 |
Q: I was in an accident on Friday involving another driver. This occurred in Connecticut. Going by the ...
A: Unfortunately, you are considered to be at fault, because the driver coming into traffic is required ...
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| Proximate Cause | 2/28/2008 |
Q: I was driving on a 2 lane road, a car heading in the opposite direction came into my lane - while ...
A: I'm not from Texas, but if the police report clearly states him admitting that he pulled into your ...
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| Parking Lot liability | 2/28/2008 |
Q: Denise, Recently my daughter was pulling out of her assigned parking space in a gated apartment ...
A: No, there is no shared liability on this. The person backing up the vehicle is required to back up ...
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| estimate of setelment | 2/27/2008 |
Q: 2 month ago i was involved in a car accident that i was in the middle #1 car did not stop and hit me ...
A: I can't really help you with this. This is something that you should discuss with an attorney, so ...
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| Fallen tree limb | 2/26/2008 |
Q: I live in an apartment complex in Georgia. This morning a storm came through and blew limbs off of ...
A: It all depends on the insurance coverage that your purchased. I did a brief search on google, and ...
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| cover my family | 2/26/2008 |
Q: I'm interested in self insuring my family and relatives so we don't have to pay auto insurance.Would ...
A: There are a number of issues with surety bonds in lieu of auto insurance. One is that some states ...
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| parking lot accident | 2/25/2008 |
Q: I was in a minor parking lot accident at a shopping center. I pulled into the parking lot and as ...
A: Since she was backing out, she would be considered at fault. The person backing up their vehicle is ...
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| insurance company doesnt want to pay | 2/18/2008 |
Q: i was involved in an auto accident where the other driver was at fault. if a vehicle is ...
A: The other party not having insurance doesn't absolve the insurance company of their obligation to ...
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| Lien on car | 2/15/2008 |
Q: Our car was involved in accident, when insurance went to pay us amount due to fix, discovered there ...
A: How this is handled must vary by state. I agree that it seems unusual for a company to be able to ...
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| Lien on car | 2/12/2008 |
Q: Our car was involved in accident, when insurance went to pay us amount due to fix, discovered there ...
A: If you have debts that are not paid, and the debtor finds you own property (cars or homes), they can ...
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| Car rental liability insurance coverage | 2/12/2008 |
Q: Is minimum liability coverage included with car rentals in Texas (Dallas)? I am a Massachusetts ...
A: It will cover you for the rental car, but you should check to see if it will give you higher ...
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| Car rental liability insurance coverage | 2/11/2008 |
Q: Is minimum liability coverage included with car rentals in Texas (Dallas)? I am a Massachusetts ...
A: You need to purchase all available coverages from the car rental place, including liability and the ...
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| Homeowners claim | 2/9/2008 |
Q: Will it do any good to sue an Insurance carrier over a claim denial. I thought we were covered until ...
A: Ask the insurance company will probably cite the specific page and paragraph of the policy ...
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| Man drove into our well cap | 2/9/2008 |
Q: In October a neighbor's friend drove into our well cap and caused damage to the well casing(inside ...
A: I would get an attorney involved, and also you may want to make a inquiry about their handling of ...
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| Tree danage to the neighbors house | 2/3/2008 |
Q: During a wind and snow storm on 12/23/07 a large branch tore off and hit our neighbors gutter. Since ...
A: I can't answer as to the specifics, but the general rule is that a tree has to be visibly dead- no ...
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| Husband's shopping cart rolled into another car while he was loading | 2/3/2008 |
Q: Tonight, after shopping at Home depot, my husband was loading wood into the car when the person in ...
A: These situations are a puzzle for me too. I believe it could possibly come under the auto ...
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| My car was totalled and other party's carrier is just ignoring us | 2/2/2008 |
Q: I was in an accident almost 3 weeks ago and my car was totalled. I was not at fault; and the other ...
A: Yes, you should definately file a complaint. They can't get off on the liability because of ...
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| Auto Accicent. No Insurance. | 1/31/2008 |
Q: I slid off the road this morning and wrecked my car. I'm not sure if its totaled or not but sure ...
A: If the GAP insurance you purchased was an endorsement on your Auto policy, then since the policy ...
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| Reimbursement for Loss of Value from Car Wreck | 1/31/2008 |
Q: Am interested in pursuing recovery for the loss of value due to my car being hit from the rear. How ...
A: Your insurance company will not pay for loss of value. Usually you have to sue the person who ...
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| car stolen then totaled with another vehicle | 1/30/2008 |
Q: My car was stolen by someone i did not know, but was at my house. they stole my keys while i was ...
A: Your auto policy will extend coverage only to drivers you gave permission to. Since you reported ...
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| STOLEN TRUCK | 1/30/2008 |
Q: MY 03 LIN. NAVIGATOR WAS STOLEN ON NOV 7TH 2007 IN FRONT OF MY HOME. THE TRUCK WAS RECOVERED THE ...
A: Most states require 30 days for them to investigate and come up with a settlement. This amount of ...
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| lapse of coverage | 1/29/2008 |
Q: My father in-law took out a policy on my wife after she graduated college to prevent a lapse in ...
A: You may want to contact your State Department of Insurance, and ask them to inquire about it. If ...
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| car accident | 1/29/2008 |
Q: am in the second lane and a car is in the first lane we are going round a round about we go past the ...
A: Round abouts are a newer thing in the states, and I haven't run across them before. I believe that ...
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| Hit & Run driver Not reported stolen for 6 days later Insurance wont pay claim | 1/29/2008 |
Q: My car was totaled by a drunk hit and run driver in front of my house. I only have liability ...
A: This does sound suspicious, I agree. Not reporting the car stolen until 6 days later is way too ...
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| Stolen Car | 1/28/2008 |
Q: I am an American living in London, UK. I am leasing a luxury car from a local finance company. My ...
A: As an insurance agent in the US, I'm not familiar with auto policies that apply in Britain. If the ...
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| older car damaged | 1/27/2008 |
Q: My wifes 97 Infinity Q45 was hit by a car making a left turn in front of my wife. The police wrote ...
A: Total losses are determined by a percentage that varies, comparing the actual market value of the ...
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| left turn accident | 1/27/2008 |
Q: i understand that a car entering the intersection making a left hand turn has the right of way to ...
A: It's very tough to assess fault in a case like this. Most likely it would be considered to be the ...
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| Slid into ditch | 1/26/2008 |
Q: I was driving my brother's girlfriend's car when I hit a patch of black ice and slid into the ditch. ...
A: Her insurance company will pay for the damage, subject to her paying the deductible. If the ...
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| Daughter's car totaled by hit and run driver | 1/26/2008 |
Q: My daughter's car was totaled on 12/17/08, by a hit and run driver. She was parked along a street ...
A: You don't have a lot of options, other than filing a claim against your insurance. Unless you can ...
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| Slid into ditch | 1/25/2008 |
Q: I was driving my brother's girlfriend's car when I hit a patch of black ice and slid into the ditch. ...
A: Citations are not always issued for road condition accidents, as vehicle failures (ie, poor tread on ...
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| Vehicle Theft/Recovery - Who Pays? | 1/24/2008 |
Q: Our restored 68 Camaro was stolen by a 20 year old who lives at home with his parents. He does not ...
A: You don't say how you were able to prove that it was the 20 year old who stole it. Are the police ...
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| Insurance for adults with permits to drive in california | 1/24/2008 |
Q: My son is 18 and has his driving permit. Do I need to purchase insurance for him while he has his ...
A: If your son resides in your household, and is not yet licenced, he is covered as an insured driver ...
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| Rear ended | 1/23/2008 |
Q: I was in a car accident last week in which I rear-ended someone. We were both in the second from ...
A: You are at fault in the accident, so you don't really have any legal recourse that I can see. I'm ...
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| Parking Lot Liability.... | 1/22/2008 |
Q: My son pulled into the parking lot where he works. One of the drivers (from his company) did not ...
A: Hard position to put an employee in. File a claim against their Business Auto Policy, which is ...
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| car accident | 1/21/2008 |
Q: I got into a car accident in a friends vehicle that wasnt insured. She gave me permission to drive ...
A: Technically, your friend chose to self insure for all losses by not purchasing insurance, so ...
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| underage driver no license | 1/21/2008 |
Q: If my wife gave out 15 year old son who has no driver's license permission to drive our car and he ...
A: The auto policy will extend coverage to any operator in the household. People living in the ...
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| Illegally parked vehicle | 1/21/2008 |
Q: i hit an illegally parked veh. am i 100% liable?? thx
A: Yes, if a vehicle was parked, illegally or not, you have an obligation to use due care when ...
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| auto accident | 1/18/2008 |
Q: i was in a accident.had let my ins. lapse. other persons ins. co is suing me for 12000. for damages ...
A: You certainly have a right to know what the damages were. They may be suing you not only for the ...
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| car accident | 1/18/2008 |
Q: my son was in an accident in pa last night. He is 19 and had my 17 year old son with him. Both boys ...
A: One thing that would be of benefit is if there were any witnesses behind them, that could confirm ...
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| Rear Ended this Friday | 1/15/2008 |
Q: I was rear ended this Friday. I have whiplash injury to my neck and was taken to ER. My car was ...
A: You shouldn't be charged for the accident as being at fault, but it is possible that you could lose ...
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| daughter being sued for accident | 1/15/2008 |
Q: My daughter is being sued in civil court for an accident that happened 14 months ago. She was ...
A: I did a google search on lost value in your state, and it does appear there is case law supporting ...
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| Hit & Run = Rate Increase? | 1/15/2008 |
Q: My son's car was hit & run in a parking lot. We do not have UM/UIM PD (it is optional in CO). If ...
A: It is likely that you may have a rate increase, or lose a claim free credit. He probably won't be ...
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| Lapse in Coverage | 1/14/2008 |
Q: I currently have 5 cars covered by GMAC. Over the past 25 years I have never been in an accident, or ...
A: There isn't any grace period for cancellation of an auto policy. Companies are required to send ...
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| daughter hits house and car | 1/14/2008 |
Q: My daughter who is learning to drive stepped on the gas instead of the break and ran into our house, ...
A: The damage to the house should be payable in full under the property damage liability coverage of ...
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| Drunk Driver Using Company-Owned Car | 1/13/2008 |
Q: My car was hit and totaled by a drunk driver while it was parked legally on a city street in Austin, ...
A: You'll probably have a hard time getting the grocery store to admit they had an undocumented (no ...
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| where and who should I suit | 1/13/2008 |
Q: I had a car accident when the other driver changed from a left turn lane to my straight lane. ...
A: You would be best to look to see how you can prove your case. Do you have witnesses as to what ...
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| issues with home | 1/12/2008 |
Q: I bought my home about two years ago. I was told of no issues with the home other than the roof ...
A: This is more of a real estate law question, but as I understand it, if the homeowner knew about ...
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| Parking lot accident (NY state) | 1/11/2008 |
Q: I have a question regarding liability with regards to an accident in a parking lot. Last month I ...
A: What I mean is that if you have your own auto insurance, you would be making a claim against your ...
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| hit and run with a stolen car | 1/11/2008 |
Q: day. The car was registered but not insured. The car was reported stolen in the evening while the ...
A: The issue that the insurance company has is that the theft was reported after the accident. This ...
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| late spouse's car | 1/10/2008 |
Q: A car registered in a late spouse's name was involved in an accident (in Illinois). Car was regarded ...
A: In the personal auto policy, the spouse is considered to be an insured with full property rights to ...
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| Parking lot accident (NY state) | 1/10/2008 |
Q: I have a question regarding liability with regards to an accident in a parking lot. Last month I ...
A: I'm afraid that you're probably not going to have any recourse against the facility's insurance, and ...
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| accident while backing | 1/9/2008 |
Q: I was backing out of a driveway to a secure parking lot because my badge would not let me in. As I ...
A: This is a tough one to assign fault to. I personally would give it a 75% your fault, 25% the other ...
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| hit by shopping cart | 1/9/2008 |
Q: on a recent windy day I cam out to my car to find that I had been hit by a run away cart. The cart ...
A: Most places I see know have a sign posted that they are not liable for damages caused by carts. ...
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| hit by rental car | 1/8/2008 |
Q: I was hit by the driver of a rental car in early December. The New York state trooper on the scene ...
A: Enterprise does have secondary liability coverage in this accident, as they are the vehicle owner. ...
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| Regarding Vehicle Accident | 1/8/2008 |
Q: Denise, My question is in regards to a vehicle accident that occurred on 10/12 of 07, and involved ...
A: A lawsuit is definately an option, and getting an attorney would have been a good idea from the ...
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| Uninsured Reckless Driver | 1/7/2008 |
Q: My dad borrow by brother his car for a quick errand and when my brother was stop on a red light he ...
A: The reckless driver is liable, but your father's insurance company, in order to recover the damage, ...
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| turning left on neighborhood street | 1/6/2008 |
Q: My son was turning left (with his turn signal on) into a driveway in a neighborhood. There were ...
A: I don't see why the insurance company would have put them both at fault, as passing in a no passing ...
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| Car parked next to mine caught on fire; who is liable for damage to mine? | 1/4/2008 |
Q: I was at work when I was notified that the car that parked next to mine (I was there first) was on ...
A: Their adjuster is correct. Since the car wasn't moving at the time, there is no liability on them. ...
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| 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: Complicated question, not sure if I can answer it. The first place to look after the other party's ...
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| personal injury limits | 1/2/2008 |
Q: Back in may i was involved in a motor cycle wreak where a young lady pulled out in front of me and ...
A: If your damages exceed the maximum amount they can offer, then no, it doesn't release them. Read ...
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| PMI and beneficiary? | 1/2/2008 |
Q: Several years ago my sister told me she has PMI (private mortgage insurance) insurance. She also ...
A: Using PMI is payable first to the company holding the mortgage. Any proceeds after that would go to ...
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| Insurance Salvage | 1/1/2008 |
Q: Where do you buy cars or motorcycles that have been settled on or collected for salvage. I am ...
A: There are a lot of issues with salvage titles. First, make sure you know what the requirements are ...
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| 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: Since he is the beneficiary of the life insurance policy, the state should be able to issue him one ...
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| i rear ended someone | 12/28/2007 |
Q: i rearend someone tonight who just slammed on there brakes for no reason it was raining out and i ...
A: If you had insurance, your insurance company may argue that since he intentionally caused the ...
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| Accidents | 12/27/2007 |
Q: Just a couple of question? If a person is driving someone else vehicle with no insurance, can the ...
A: The owner of the vehicle has the 1st responsibility in an accident. If that person has no ...
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| parked car hit with witnesses | 12/27/2007 |
Q: One of our cars was recently hit while parked outside our apartment. It is very near a bar and a ...
A: In my opinion, yes, your insurance company may be dropping the ball. They should be at least trying ...
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| unlicensed driver causes accident | 12/24/2007 |
Q: My 17 yr. old stepdaughter told her friend's grandmother that she had a driver's license, when she ...
A: The grandmother's insurance would respond first, to the damage to the vehicle. If there were ...
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| I purchased an engine that ended up being 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: I don't think I can be of much help for you on this. It really depends on what the insurance ...
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| Renters | 12/19/2007 |
Q: I have renters but am moving (locally). If my property is damaged in the move (like the moving ...
A: You would need to read your policy to be certain. Look for "personal property off premises". ...
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| Dead Tree damage | 12/19/2007 |
Q: I live in Georgia. I have State Farm homeowners insurance. A large tree has fallen on our roof. ...
A: You probably won't have any trouble. The issue comes into play when the tree falls on someone elses ...
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| rear ended | 12/19/2007 |
Q: I was rear ended by another vehicle, he was put at fault and cited a ticket, his insurance agency ...
A: Generally, they will only pay for the damages that occur and that they can verify. You could accept ...
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| Car accident | 12/19/2007 |
Q: I live in Minnesota and was recently in an accident during a heavy snowfall. I was merging off an ...
A: Since you weren't driving your own vehicle, it would be your uncle's insurance that would be ...
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| (ex) Friend pushing an insurance claim | 12/18/2007 |
Q: I was recently at a friend's house helping her get ready for a party. I pulled into her driveway, ...
A: Yes, you are responsible for the damage. Even if she didn't park correctly, you are required to ...
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| tree on house | 12/18/2007 |
Q: My neighbors live tree fell on my house during some high winds. It took out my car port and fell on ...
A: Unless you can prove that the tree was dead prior to the storm, and that the neighbor was negligent ...
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| Homeowners Insurance | 12/17/2007 |
Q: I live in Virginia and recently had 4 computer and 3 iPods stolen from my home. I have a friend ...
A: The renters insurance policy will not cover property of others, just your property. I don't know ...
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| auto accident....other person driving... | 12/15/2007 |
Q: I was driving an inebriated friend home at his request, in his vehicle. There was a massive storm ...
A: You don't have any obligation at all to pay for the deductible. Yes, you are a permissive driver, ...
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| Repair after fire | 12/14/2007 |
Q: After a small fire in my house, carpeting will be replaced. The insurance adjuster gave money to do ...
A: No, they won't force you to replace it with carpet. They will definately work with you, as hardwood ...
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| Hit in Rear End | 12/14/2007 |
Q: I was struck in a rear end collision last Sunday. My injuries consisted of a "major concussion" by ...
A: Given the nature of your "pre-accident" condition, it would be a good idea to consult an attorney. ...
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| Renters Insurance | 12/14/2007 |
Q: Denise Hi I just have a simple question for you. My question is that how long does an insurance ...
A: There is generally a requirement that they repond in some fashion in 30 days. There aren't any ...
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| Roof insurance claim prior to home sale | 12/12/2007 |
Q: I bought a house last year. The previous owner had suffered hail damage and filed a claim with ...
A: Situations like this do not come up very often. It sounds to me like the bank is the party with the ...
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| Parking Front in vs Backed in | 12/11/2007 |
Q: What does Texas law say about pulling straight into a parking space, facing forward versus backing ...
A: It's a very good rule that this employer has, I wish more would require it. Parking lot accidents ...
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| "Open title" | 12/10/2007 |
Q: My brother purchased a vehicle that needed several repairs done to it. Instead of titling the ...
A: Your brother would have to prove that he purchased the vehicle, and that he should be the legal ...
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| Apartment Complex & Ice | 12/8/2007 |
Q: I am the leasing agent here at an apartment complex in Kansas City. I just got a call from a lady ...
A: I doubt that she has a case, as she was apparently driving too fast for conditions, and lost control ...
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| claims | 12/8/2007 |
Q: I was in an accident the other driver had insurance so do I but I had my insurance company to pay ...
A: You do have to sign this over to your insurance company. Since they paid you for the loss, however ...
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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: I'm not certain what you are referring to as "H & W". If you have insurance coverage other than ...
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| Mom's Chain reaction accident | 12/7/2007 |
Q: My mom was recently invovled in a 4 vehicle rear end chain reaction accident and is now getting sued ...
A: This is a good example why if you own a home, you should always carry higher limits than the state ...
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| Hit by a trailer in work parking lot | 12/6/2007 |
Q: I work for a trucking company in WA and I was parked in my work paking lot, which is private, in a ...
A: You'll have to report this as a hit and run, but your insurance company may come back after the ...
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| Time before filing auto claim | 12/5/2007 |
Q: I was in a single car accident on a dirt road in Texas. The airbags deployed and it landed on its ...
A: The biggest issue your insurance company would have is if there were other passengers in the car who ...
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| suspended DL | 12/5/2007 |
Q: I recieved a ticket in Lubbock, Tx in July 1997 for failure to provide financial responsibility. I ...
A: I agree that it is somewhat an undue burden to prove that you had insurance ten years ago, however ...
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| Dog hit and killed by car | 12/4/2007 |
Q: My dog was hit by a car and died on the way to the vet. Police was present at the scene and before I ...
A: Sorry about your dog. Did the police officer hear the other person state they did not hit the dog? ...
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| Fighting Insurance Company over Total Loss | 12/2/2007 |
Q: A girl hit my parked Mustang in the rear. Causing $5500 in damages. The insurance company (Geico) ...
A: The insurance companies issue with you keeping a car that has so much damage is that it is very ...
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| Parking Lot Fender Bender | 12/1/2007 |
Q: I was backing out of my parking space at Home Depot today and hit the rear quarter panel of a car ...
A: No issues with the other driver,as yYou were clearly at fault, by not taking due care in backing out ...
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| Parking lot incident | 11/27/2007 |
Q: I went to a restaurant and backed my car into a parking spot to walk in. The parking spaces are ...
A: I would fight this at fault charge with your insurance company, because it appears that there was an ...
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| insurance accounting | 11/26/2007 |
Q: Denise, I am developing an installment billing program for an insurance company. I need to know ...
A: Here's what I found on the internet. Premium (Written/Unearned/Earned) - Written premium is ...
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| First time home buyer and HOA insurance | 11/17/2007 |
Q: 6 months ago I purchased my first condo! Inspections had gone well and no issues were brought up. I ...
A: It is possible that the D & O may respond, but this is something you would have to bring to an ...
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| Insurance Law | 11/16/2007 |
Q: Denise: I am a Wisconsin resident who legally carries no auto insurance. I was cited in Texas for ...
A: I do not know of how much help I can be in this case. States do have the right to protect their ...
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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: You might try going to google, and doing a search on insurance adjusters school. States vary on the ...
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| Designated Driver | 11/14/2007 |
Q: i was driving my friends car as his dd and totaled it. he only had liability insurance on his car. ...
A: You are not legally liable to pay for the car, but perhaps morally, you should. The owner of the ...
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| house fire | 11/13/2007 |
Q: Iwas repairing my roof. Later roof went on fire. Firemen came and put out fire. Later that night ...
A: I'm not exactly sure what the question is, but they will investigate how the fire started, and since ...
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| hit at a gas station | 11/13/2007 |
Q: my husband was parked at a gas pump and this woman was in front of him at the nest pump she seen it ...
A: Yes, she is considered to be at fault. Negligence doesn't change necessarily because she was on ...
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| Tree falls on motorcycle & car | 11/10/2007 |
Q: We live in VA -- townhouse community with an HOA. I understand from our last HOA meeting that there ...
A: I can't advise you regarding the specific laws in your state. Here is a website that may help: ...
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| Should I sign a General Release? | 11/7/2007 |
Q: About 3 weeks ago I got a septic company to take a look at a suspected crack in my septic tank. In ...
A: The insurance company will require the General Release, in order that they can complete the handling ...
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| hit someone without a liscence | 11/6/2007 |
Q: just a few days ago, i got into a car accident without someone who doesn't have a liscence. there is ...
A: It depends. Since it wasn't reported right away, there might be a failure to report an accident ...
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| Incompetent patients' health insurance cx'd | 11/5/2007 |
Q: My mother was hospitalized (5150) for serious mental health problems. She's a Kaiser member. Kaiser ...
A: You would have to check with the state where she resides, to determine whether there are laws that ...
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| Pls need help | 11/4/2007 |
Q: Couple of days back i hit a car while parking at my office. I thought i was at fault and waited for ...
A: I can't say for certain, but if the accident occurred on private property, these are not reported. ...
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| First time home buyer and HOA insurance | 11/3/2007 |
Q: 6 months ago I purchased my first condo! Inspections had gone well and no issues were brought up. I ...
A: You would need to get out all of your original purchase papers, which would spell out what is your ...
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| Accident with unlicensed driver | 10/25/2007 |
Q: My husband was hit by a 16 year old boy without a license the vehicle is insured but he is not on ...
A: You could do it either way. Your insurance company will not compensate your husband for his ...
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| small claims complaint | 10/25/2007 |
Q: This is the first time and hopefully last time i will have to go through this, but i need some ...
A: You can certainly contact the insurance company. Haven't they contacted you before? Given the ...
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| PLPD accident with complications | 10/25/2007 |
Q: My Jeep Wrangler was totaled in a car accident in Michigan (a No-Fault State). The person driving ...
A: If I understand you correctly, the person who died was a passenger in your car, driven by an ...
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| third party claim | 10/20/2007 |
Q: i was hit from behind in my car.the third party was in the wrong .i was going to work when it ...
A: You will need to find out the insurance company of the driver who was at fault, and file a claim ...
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| auto insurance and bankruptcy | 10/19/2007 |
Q: I have my auto insurance with the same company that insures my homes. These are all billed ...
A: That they cannot separate the policies does not make sense. What if you change homeowners carriers? ...
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| auto insurance and bankruptcy | 10/19/2007 |
Q: I have my auto insurance with the same company that insures my homes. These are all billed ...
A: What you should probably do is to call your insurance agent, and take your auto policy off of the ...
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| Additional Car rental days | 10/19/2007 |
Q: I was rear-ended a few weeks ago and got a rental car to get around while my car was in the autobody ...
A: If Geico is the other person's insurance, then yes, they are responsible. The additional amount of ...
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| Home Owner insurance claim form home robery | 10/18/2007 |
Q: we had a home break in happen on Sept 13th 07 and it is now Oct 18th 07 a month has gone by with to ...
A: In cases of theft that look suspicious, the company will do a diligent investigation, which is often ...
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| homeowner's liability | 10/17/2007 |
Q: Am I likely to be sued for a gunshot injury that occurred at my home? The shooting was committed by ...
A: In my opinion, the only thing your homeowners would automatically respond to is for Medical ...
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| General Liability Audit Result | 10/17/2007 |
Q: I have a Painting Company and I'm sure my policy is based in a 200K gross, My real gross is 250K. ...
A: Your GL policy will be audited at the end of your term, and yes, you will have to pay the additional ...
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| sat on someones car | 10/17/2007 |
Q: I sat on someones car and put a dent in it. She got an estimate which was 900.00. I gave her ...
A: That depends. Did you have permission to sit on her car? Was she there? I would also question the ...
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| car accident | 10/16/2007 |
Q: We we driving down a neighborhood street with the right of way and a 2001 cadillac sped out in front ...
A: If the car is considered a total loss, and you have a loan on it, hopefully you purchased Auto ...
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| Daughter used bf's truck for months | 10/15/2007 |
Q: Our 18 year old daughter moved in with her boyfriends parents, and was using her boyfriends truck ...
A: The liability first follows the owner of the car. If the BF or his parents are the owner, it is ...
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| Car damaged in a public lot. Patrons are required to leave keys. | 10/15/2007 |
Q: Parked in a public lot car was damaged.Patrons are required to leave keys with attendant.
A: I'm not sure what the question is. The parking lot is likely not liable for the damage, as you ...
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| Liability waivers | 10/11/2007 |
Q: If someone is in an accident with another car but they both decide that the person a fault will pay, ...
A: Yes, it is a very good idea to have a liability waiver if you're going to handle it on your own, but ...
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| Full Coverage Requirement | 10/9/2007 |
Q: Good Afternoon, Can a lien holder on a car have you arrested for not having full coverage on a car ...
A: I have never heard of any law saying that they can arrest you, but they can add to your loan payment ...
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| Shopping Cart hit car | 10/9/2007 |
Q: While at the grocery store my wife's car was hit by a shopping cart. A lady was loading her car ...
A: The thing is, if she gave you a wrong name and tag number, how would you track her down? Other than ...
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| Am i responsible | 10/9/2007 |
Q: A few nights ago i was the designated driver, driving my friend's car on a night out. A 3rd ...
A: Absolutely, I would contest this with your insurance company. You were the permissive driver of ...
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| Third Party Claim | 10/8/2007 |
Q: I live in a Condo and I have discovered that the foundation is crumbling. Please tell if what a ...
A: A third party is an entity that might or might not have something to due with the cause of the loss. ...
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| Police Report and Insurance Co Conflict | 10/5/2007 |
Q: My husband was involved in an auto accident where the police report states that the other person ...
A: It is the responsibility of a driver turning left to yeild to oncoming traffic. You would need to ...
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| will our rates go up | 10/4/2007 |
Q: My daughter was rear-ended by another teenager. The cop said we should deal directly with the other ...
A: Any accident that goes on your record costs you your deductible, as well as any claim free ...
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| Getting in a accident minutes after buying it | 10/3/2007 |
Q: My brother bought a car two weeks ago. He got into a accident ten minutes after driving it off the ...
A: I'm not an attorney, but a judge may see this as you signed to purchase the car, and took possession ...
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| Getting in a accident minutes after buying it | 10/3/2007 |
Q: My brother bought a car two weeks ago. He got into a accident ten minutes after driving it off the ...
A: What I would start out with first is looking at the fine print on your brother's auto policy, under ...
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| Total Loss Claim | 10/2/2007 |
Q: I recently had a collision in Oklahoma, and was not at fault. The insurance company that is ...
A: You will not be able to get replacement cost value for your vehicle. The policy will only pay ...
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| Water damage: Master policy vs. homeowner liability | 10/2/2007 |
Q: I am the president of a condo association in IL (12 units). We had a major storm that caused storm ...
A: I've always found Condo coverage to be the most complicated, for this reason- it depends SO much on ...
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| Parent's liability | 10/1/2007 |
Q: Denise, My 21 year-old son recently purchased a car and the minimum required (20k/40k liability) ...
A: No. Liability is based on vehicle ownership. Since he purchased the car and is the sole owner, if ...
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| fitting someone else's lost load on highway. | 9/30/2007 |
Q: Why did my insurer find that I was at fault? What is the best way to dispute the finding? Details ...
A: That's a tough one. It could be argued either way. Since it was such a large item, it would have ...
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| Homeowners Claim | 9/29/2007 |
Q: I live in Florida, I did not receive a renewal notice and my insurance expired on 9-27-07 (at one ...
A: There are no grace period's on homeowners policies. Your insurance company will have proof that ...
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| ticket | 9/28/2007 |
Q: I was driving a car home that had been purchased at an auction and I got pulled over by the police. ...
A: You have automatic coverage under your auto policy for newly acquired vehicles, for 30 days, with ...
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| Ownership and liability | 9/27/2007 |
Q: I bought a pickup truck from an individual but he had the title to a different truck. I paid him for ...
A: Since you paid for the truck, and took possession of it, I think it would be argued in court that ...
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| Stolen Car/HOA Liable? | 9/26/2007 |
Q: My car was stolen sometime Monday night from my condo parking lot. We pay HOA fees and condo fees ...
A: I doubt that you have any recourse against the HOA. You would have to dig deep into the bylaws, but ...
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| Find out who the beneficiary is | 9/26/2007 |
Q: my father-in-law passed away a few weeks ago. My husband is an only child so we assumed that he was ...
A: The beneficiary does not have any rights under the policy- only the policyowner does. If your ...
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| stolen vehicle | 9/23/2007 |
Q: My vehicle was stolen. My insurance has made an offer, that by the way is $200 more than trade-in ...
A: What are you expecting to get if you refuse the offer? The amount that they should be offering is ...
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| Fender Bender Question | 9/22/2007 |
Q: I was backing out of a very strange street side parking lot this afternoon, and bumped another car ...
A: You would be considered at fault, because it is the driver of the auto to avoid hazards, even if ...
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| What do I from here! | 9/19/2007 |
Q: My girl friend was driving my car, she is not listed on my policy but she does live with me,anyway I ...
A: Pay the bill. Since she was an operator, the company has an exposure to her. Once she has her own ...
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| Homeowner liability off premise | 9/19/2007 |
Q: while walking my two dogs down street, not on my property, passed woman with two dogs, hers ...
A: I don't think that her attorney will have a case, since you both had two dogs and you both didn't ...
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| Car accident | 9/18/2007 |
Q: My friends daughter hit a car while trying to park in a public parking lot. It was a very small ...
A: No specific law that I am aware of, however 30 days is pretty standard. Otherwise, how can you ...
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| Car broke into at car dealership | 9/16/2007 |
Q: While my car was at a dealership for warranty repairs is was broke into and about 6,000 dollars of ...
A: Under most Garage Owners policy, there is coverage for vehicles in their car, custody and control. ...
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| insurance check | 9/15/2007 |
Q: i had claim with home owner insurance state farm i received a check under my name and countrywide ...
A: There isn't any way you'll be able to cash the check yourself. It's done that way so that the loan ...
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| Girlfriend borrowing car - got in accident | 9/15/2007 |
Q: My girlfriend was borrowing my car today and she got in an accident that totaled my car and the ...
A: They shouldn't be able to deny the claim due to the additional operator. If they do, you would have ...
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| How will this affect my insurance. | 9/14/2007 |
Q: My girl friend was driving my car, she is not listed on my policy but she does live with me,anyway I ...
A: Since she is a resident of your household, you do need to add her as a driver. Any rate adjustment ...
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| Ca. Auto Insur. Financing fees | 9/13/2007 |
Q: IS there a limit to auto insurance financing fees in CAlif. ? The info. on usury fees does not ...
A: I don't know of personally California Law in regards to this, but 21% per month does seem rather ...
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| Auto liability | 9/13/2007 |
Q: My 16 year old son was exiting his parking space at the school by pulling forward when the girl on ...
A: Yes, you should submit estimates for repairs for the damage to your car to her insurance company, ...
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| Wife Wrecked Father's Care | 9/10/2007 |
Q: My wife's father gave her permission to borrow his conversion van so that my wife could be the ...
A: You aren't legally liable to pay anything. The father in law could be committing insurance fraud, ...
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| Roommate loaned car with permission | 9/7/2007 |
Q: I believe I see two conflicting answers to the same question, regarding coverage of roommates who ...
A: It comes down to the actual policy language, under the definition of "Who is an Insured". I am ...
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| Car Rental Provision? | 9/4/2007 |
Q: Recently, while experiencing mechanical difficulty on the roadway in Las Vegas I was rear-ended ...
A: What you might want to try is to look around locally for rental rates for the type of scooter you ...
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| state farm claim | 8/31/2007 |
Q: NOW MY QUESTION IS I HAVE CLAIM WITH STATE FARM PENDING FOR BACK UP SEWER MY WATER BACKED UP IN ...
A: You're lucky you had the sewer back up! Where I live, we had major flooding, and lots of people had ...
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| daughter (college student) getting married | 8/29/2007 |
Q: My daughter and her fiance are both full time college students and are getting married. Is she ...
A: I don't believe there is a grace perior in such a situation, but you could contact your healthcare ...
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| home owner's liability | 8/28/2007 |
Q: My neighbor's unanchored trampoline hit my house/car causing damage during a recent thunderstorm. ...
A: What it would take is to prove that the directions from the manufacturer of that particular ...
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| will my moms insurance cover it | 8/28/2007 |
Q: i am 16 and live in Massachusetts and do not have insurance but i borrowed my moms car(who doesn't ...
A: Yes, your mom's insurance would pay for this, as you were given permission to drive. The only way ...
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| car Rental | 8/28/2007 |
Q: My vehicle was in an accident. The other party was sighted.My question is in the state of ohio is ...
A: I can't advise you as to what specific laws apply in Ohio, but it is standard business practice to ...
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| hi | 8/26/2007 |
Q: live in bklyn new York am occasional driver, registered owner lives in bklyn but is secondary named ...
A: Not sure how to answer this, as the question is worded. If I get it, the registered owner is trying ...
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| Health insurance following accident | 8/25/2007 |
Q: My husband and I were in a motorcycle accident July 1, 2007, in which I suffered several pelvic ...
A: I think your best bet on this is to call the Georgia Department of Insurance, and talk to one of ...
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| hit by stolen car | 8/22/2007 |
Q: While stuck in traffic a stolen car came barreling up through the middle of traffic and did ...
A: Since you did not purchase collision coverage on your vehicle, you have elected to self insure for ...
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| Brother wrecked car no insurance. | 8/22/2007 |
Q: Just a quick question. My brother is in the Marine Corps and by chance he got to come to my ...
A: Sorry for the bad news, but it is you, as the owner of the car, who is legally liable for the damage ...
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| parking lot | 8/22/2007 |
Q: I was backing out on a one-way parking lot, and some woman was doing the same. However, I was going ...
A: You can file a claim with your insurance company, and have your witness give a statement with the ...
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| someone hit my parked car and I have no insurance | 8/21/2007 |
Q: Someone hit my parked car and I have no insurance.Will i still be able to get my car fixed? the ...
A: You are in state of status that is called "Self Insured". By not purchasing physical damage ...
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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: Not certain what the question is here, but it seems to me that there was another lawsuit like this, ...
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| Car Insurance | 8/13/2007 |
Q: of time an insurance company has to pay for an accident? My husband was in an accident where a ...
A: Sorry, but I can't give you the specifics of NY law, since I don't reside in your state. You could ...
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| reimbursement for car rental | 8/10/2007 |
Q: My car was hit at an intersection by a permit driver and no license driver in front seat. The driver ...
A: If the person driving the car was a minor, it is their parents who are responsible. Are you dealing ...
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| Parking Lot Accident | 8/10/2007 |
Q: My daughter was driving her Aunts(no insurance) car. She had a minor fender bender in a parking lot. ...
A: I guess I would tell her to file a claim with her own insurance, and let her insurance company ...
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| Parking Lot Accident | 8/10/2007 |
Q: My daughter was driving her Aunts(no insurance) car. She had a minor fender bender in a parking lot. ...
A: I guess I would just stick to your guns, and if the Aunt or your daughter gets sued, you'll have to ...
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| Parking Lot Accident | 8/10/2007 |
Q: My daughter was driving her Aunts(no insurance) car. She had a minor fender bender in a parking lot. ...
A: It's actually your aunt who is liable for the damage, since it was her vehicle. Your daughter was ...
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| rights to rental if other at fault | 8/10/2007 |
Q: I was involved in an accident and my car was totaled. It was the other driver's fault. I did not ...
A: I do not know anything in the policy wording stating how long that liability coverage will cover ...
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| Auto Accident | 8/9/2007 |
Q: My question to you is, What will happen to me if I was involved in an auto accident that injured two ...
A: If you are the owner of the vehicle, you are required to carry your own insurance. If your father ...
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| Bank vs. Insusrance money | 8/7/2007 |
Q: I lost my house to a fire and the bank wants to keep the insurance money. How am I to rebuild and ...
A: The check is to be made payable to you and the bank, so that their interest in the loan is covered. ...
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| Car Wreck | 8/7/2007 |
Q: I gave my son my car and had it put in his name. He moved to his fathers that same weekend. He and ...
A: To answer that question, I would need to know if it still qualifies as "Your Covered Auto". Did you ...
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| Car Wreck | 8/6/2007 |
Q: I gave my son my car and had it put in his name. He moved to his fathers that same weekend. He and ...
A: This is a challenging question. If your son was a minor at the time of the accident, and residing ...
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| Dog hits car, who's responsible for damages | 8/3/2007 |
Q: I was driving when a dog lunged out from some brush and smacked into the right side fender near the ...
A: Laws on this can vary by state, but as I understand it generally, the owner of a pet is required to ...
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| Our tree fell on 3 seperate cars! | 8/1/2007 |
Q: We had a very large old tree drop branches damaging 3 cars over the weekend. There was no storm or ...
A: If the tree in and of itself wasn't dead, and just by an Act of God dropped some branches, there is ...
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| Comprehensive Coverage | 7/31/2007 |
Q: I know that tire blowouts on the road are excluded from my policy, but what about any ensuing ...
A: The damage caused by the blow out would be covered as I understand it, but not damage to the tire ...
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| Hit by unoccupied car in nieghbors driveway? | 7/31/2007 |
Q: I was moving day I was at home waiting for the moving company when a neighbor from the corner pulled ...
A: No, sorry,you cannot sue the neighbor who's driveway you were in. That is excluded under the ...
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| shopping carts | 7/31/2007 |
Q: I saw a question related to shopping cart damage on this site and have a similar, but slightly ...
A: I'm not an attorney, and the fact is, in a court of law, you can put any arguments up there, for the ...
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| buy back | 7/30/2007 |
Q: i have had my bike knocked over and the frame has a big dent in it, if it gets written off, can i ...
A: If frame damage is extensive enough to cause the bike to be a total loss, they have the right to ...
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| shopping carts | 7/30/2007 |
Q: I saw a question related to shopping cart damage on this site and have a similar, but slightly ...
A: You could try to argue that, but I rather doubt that you would win, but it's worth a try I suppose. ...
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| Private Property Accident | 7/29/2007 |
Q: My car was parked on private property. I work at the company where my vehicle was parked. while my ...
A: Yes, the trucking company is liable for the damage to the vehicle. If they find some excuse not to ...
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| Stolen Car | 7/27/2007 |
Q: My car was stolen over 2 months ago in Staten Island, NY. It is so called under investigation, for ...
A: The amount that they are liable to pay is the actual cash value of the vehicle at the time of the ...
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| Rental car agency takes our money after accident | 7/27/2007 |
Q: My wife was in an accident with her personal vehicle. Since our insurance policy pays for 80% of a ...
A: The devil is in the details of the rental car contract that you signed, which may well make it ...
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| Tree fell on my car as I was driving down rural road | 7/26/2007 |
Q: Who ia responsible for damages to my vehicle? As I was driving down a very rural highway in south ...
A: It would seem to me that the county is, as they are the legal owner of the property, however, many ...
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| accident | 7/25/2007 |
Q: I live in TN I was in the process of buying a vehicle on credit from our neighbor.I brought the car ...
A: No, as I understand it, the insurance company is incorrect. The newly acquired vehicle is covered ...
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| parking lot accident | 7/25/2007 |
Q: Denise, I was backing out of a slowly parking space when another vehicle suddenly backed out of ...
A: Since you were both backing out at the same time, most insurance companies would allocate each of ...
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| Florida accident no insurance lienholder ? | 7/24/2007 |
Q: I was involved in an accident where I was not at fault. My vehicle was financed and my insurance ...
A: They do not have an obligation to put on forced placement insurance, but they may do so, at their ...
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| homeowners theft | 7/24/2007 |
Q: i was living with my girlfriend at her house, the day i decided to move out from her house some of ...
A: As I understand it, if you are not her legal spouse, there is no coverage for your personal property ...
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| zero lot line homeowners insurance | 7/24/2007 |
Q: I own half of a duplex which had some hail roof damage my insurance company is saying I do not have ...
A: If your roof wasn't damaged, you aren't entitled to recover for it unfortunately. There are ...
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| No Insurance | 7/23/2007 |
Q: I live in the fourth floor of a condominium and my water heater burst and flooded my apt and all ...
A: It is possible that the insurance companies may try to go against you for the damage that was caused ...
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| who is liable for accident? | 7/23/2007 |
Q: two years ago i sold a car to someone.i signed off of the title and gave it to the purchaser.he then ...
A: Assuming you still have a copy of the note from the purchaser, and that you have not received any ...
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| auto insurance claim | 7/21/2007 |
Q: well my car was recently in an accident and my car was damaged. I chose to have the car repaired at ...
A: Sorry you are having so much trouble getting your claim paid. It is often best to use the repair ...
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| flood insurance: why now? | 7/21/2007 |
Q: I purchased a home in 2004--was told flood insurance was not required. April, 2007: both my first ...
A: Here is a link that might help explain it. Look under their items #27 & 28. ...
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| Buying Wrecked MCs from Insurance Cos. | 7/18/2007 |
Q: Denise, Hi. I hope you can help. I am interested in buying wrecked motorcycles from insurance ...
A: I can't really answer this. You'll have to contact each company's claim department individually. ...
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| Boat Insurance law | 7/18/2007 |
Q: My boat was hit by a drunk driver in front of my home. The trailer was totaled and the boat was ...
A: I do not know of any specific law, but there could be something in your state. If your boat was ...
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| Ins coverage of tornado coverage of ar bus. | 7/14/2007 |
Q: When damage is done to a restaurant and the ins is paying damages, are they obligated to restore not ...
A: They are obligated only to make you whole, not to benefit you by giving you better than you had ...
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| Rental property theft | 7/12/2007 |
Q: My apartment was broken into through an open window. they pried out the screen and pushed the window ...
A: No, they will not deny the claim based on an open window, however they may suggest that you put a ...
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| car got totaled | 7/12/2007 |
Q: hey I had just listed my 1996 Honda accord on autotrader to sell and I was asking for $4000. On a ...
A: If you have liability only on your car, your insurance company will not pay for damage to the ...
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| A car hits my house... | 7/11/2007 |
Q: I live in Columbus Ohio. This morning my neighbor across the street came to me and told me that 2 ...
A: This is a loss that is payable by your neighbor's auto insurance, under the property damage ...
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| NC Home Fire | 7/11/2007 |
Q: I had an electical fire in June caused by the neighbor's tree hitting the transformer behind my ...
A: No, not necessarily. If all of the siding wasn't damaged, they may want to have it repaired. I ...
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| indiana state insurance law | 7/11/2007 |
Q: 2 weeks ago a 30 ton trash truck slammed into our car and then our 3 year old boys bedroom. we do ...
A: I'm not from Indiana, but I do not know of any state law that requires an insurance company to ...
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| Tree Damage | 7/10/2007 |
Q: Ohio-During a recent storm, one of our 4 large trees fell and caused only minor damage to our yard. ...
A: Hmm, still tricky. Since it was considered an act of God by the utility, if these folks were nice, ...
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| Parked Car hit by DHL van | 7/10/2007 |
Q: A few days ago, My husbands car was parked at work in a spot facing a busy road. A DHL van came ...
A: If you have already filed the claim through your insurance, just let them handle it. They will ...
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| Auto insurance | 7/10/2007 |
Q: Denise, i was recently in an accident, on 26 May i hit a Deer and total the vehicle i was driving, ...
A: They may well be correct, depending on the auto policy form you have. If you look at your policy, ...
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| Tree Damage | 7/9/2007 |
Q: Ohio-During a recent storm, one of our 4 large trees fell and caused only minor damage to our yard. ...
A: This is a tricky question, and I'm not certain I have an answer to it. If the person who cut down ...
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| Stolen Vehicle | 7/5/2007 |
Q: I sold a car to Person #1. I signed over the title. Unfortunately, when I sold the car to Person #1, ...
A: If you didn't keep a bill of sale for your records, then perhaps you have other documentation ...
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| parallell parking | 7/2/2007 |
Q: ...?....i was going west bound,when boom,i heard him hit me....he saids as he was parallal parking ...
A: My suggestion would be to get an attorney and fight this, or fight this yourself, pro-se, especially ...
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| help on an insurance question | 7/2/2007 |
Q: I have a scenario very close to: "Date: 6/4/2007 Subject: accident with someone else's car but ...
A: Coverage for this who be under the father's scooter insurance. Since he didn't have any, he was ...
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| Stolen Vehicle | 7/1/2007 |
Q: My vehicle was stolen on May 29, I filed a claim with my insurance, and on June 26th the insurance ...
A: Generally, the insurance company will keep the vehicle, and have it repaired and sell it to recoup ...
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| fallen tree | 7/1/2007 |
Q: My dead tree hit a visitors truck in my neighbors driveway during a rain storm. Am I liable and will ...
A: It is very likely that you would be considered to be liable, if they can prove that the tree was ...
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| Borrowed car, it wasn't insured | 6/28/2007 |
Q: A friend of mine (Friend 1) just had a one-car accident (her fault, avoiding an animal in the road) ...
A: As to the first question, if your state requires vehicles to be insured, she could be ticketed. ...
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| Liability after an auto accident | 6/26/2007 |
Q: My daughter rear ended a vehicle and flipped it. The person is claiming continued medical care and ...
A: Hmm, the first question is whether your insurance company will determine whether your daughter and ...
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| At Fault Insuracne Not taking Liability | 6/26/2007 |
Q: I was not at fault in an accident that occurred. I have two witnesses that can vouch on my behalf, I ...
A: It's not a good sign that you have had three lawyers dropping the case. That is an indication of ...
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| pharmacy claims | 6/25/2007 |
Q: Question... If our insurance company continued to pay claims even after termination of insurance. ...
A: I think perhaps you do. Notices of cancellation have specific rules. You may want to make copies ...
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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: Technically, the liability resides with the owner of the vehicle, not with a driver who is given ...
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| HOME INSURANCE CLAIM | 6/21/2007 |
Q: My husband's laptop was stolen from our garage while the door was up and we were unloading groceries ...
A: You will not have to pay a deductible for filing the claim, only if there is claim payment. There ...
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| Home insurance in NC | 6/21/2007 |
Q: Every year in July my homeowners insurance is renewed, and every year is more and more( Liberty ...
A: Increasing rates are pretty standard everywhere unfortunately. One thing to check is the values ...
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| Parked car hit by moving van | 6/20/2007 |
Q: Three weeks ago, my car was hit by a moving van while parked in front of my building. The driver ...
A: The question here is was this a rental truck? If it was, then the guy could be personally liable, ...
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| Stolen Vehicle | 6/20/2007 |
Q: I'm live in West Virginia and I am 19, a drunk driver recently totaled my parked vehicle and took ...
A: I think you may have to get an attorney, and sue the owner of the vehicle. Your owner will then ...
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| Auto claim for damage | 6/20/2007 |
Q: OK.... here is the deal. In February we got a huge snowstorm, totalling just over 2 feet of snow. ...
A: Wow, what an awful thing to have happen! Did he say anything to you right after the snowstorm? You ...
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| my wedding day | 6/20/2007 |
Q: My car was totaled by a women the day before my wedding. The damages were 3000 dollars. We have ...
A: If I understand you correctly, you have a car that you have liability only coverage on, and you were ...
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| Insurance law | 6/19/2007 |
Q: I have a small 5 person dental office. Frequently my secretary uses her personal car to pick up the ...
A: You may have some exposure there. You may want to talk to your insurance agent who wrote you your ...
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| Gave me fraud info | 6/16/2007 |
Q: I was parked on the curb eating, my engine was off. And this car hits me and the cops were already ...
A: I don't know if you'll get very far with the cops, but what I would suggest is seeing if you can ...
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| Liability After Car Was Stolen and Involved in An Accident | 6/14/2007 |
Q: In May 2007, my boyfriend's car was stolen while he was getting petrol at a BP. Within minutes of ...
A: Progressive is correct- they nor your boyfriend are liable for damages caused if the vehicle is ...
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| problems with my mechanic | 6/13/2007 |
Q: I had some maintenance work done on my car. Three days after this work my car broke down, and we ...
A: The insurance company will investigate the matter, and determine if the cause of the breakdown was ...
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| Medical Liability Lawsuit | 6/12/2007 |
Q: My younger sister was hit in her car by a drunk driver (as far as I am concerned). There were ...
A: If I have it correct, your sister was not insured at the time of the accident, so you don't have an ...
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| Damaged a car while driving someone else's | 6/11/2007 |
Q: I was at a friend's house (it was a small gathering) when the girl I was with wanted to leave ...
A: Technically, it's the owner of the vehicle who is liable for the damage you caused. My suggestion ...
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| neighbor's liability for snowplow damage | 6/11/2007 |
Q: Our next door neighbor used a snowplow company to plow his driveway. While plowing, the truck ...
A: The neighbor isn't liable, the plowing company is. Let's say you hire a roofer to roof your house, ...
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| Auto Insurance Questions | 6/11/2007 |
Q: I was in an accident on 6/1/07. A teenager pulled out of a drive and closed to lanes of traffic. She ...
A: My recommendation is that you contact an attorney. Since you are pregnant, there are issues that an ...
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| STOP SIGN | 6/8/2007 |
Q: A friend of mine bumped the back of a vehicle at a stop sign going 2 MPH. The police were not called ...
A: Yes, you should return the form. They lady may have been involved in another accident, and they ...
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| son's bike scratched parked car | 6/8/2007 |
Q: My son, who is just learning to ride a bicycle, accidently scratched a parked car. I found the owner ...
A: This is rather tricky. The other person is not going to want to file it through his insurance- his ...
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| Life Insurance Bank Draft | 6/8/2007 |
Q: My husband was approved for a life insurance policy for a rate of 14.21. When his medical test came ...
A: The first step is to look over the original papers you signed, under the fine print. The coverage ...
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| out of control driver hit my prk car in drvwy | 6/7/2007 |
Q: A reckless teenager swerved around the corner at high speed, losing control he hit my car in the ...
A: The owner of the car is the one who is liable. If the kid is a minor, then it's the parents who are ...
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| out of control driver hit my prk car in drvwy | 6/6/2007 |
Q: A reckless teenager swerved around the corner at high speed, losing control he hit my car in the ...
A: Since you weren't medically injured, I doubt that you would receive much by retaining an attorney ...
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| Hit and Run | 6/6/2007 |
Q: I was involved in a hit and run. The driver hit my vehicle and ran away leaving the car that he was ...
A: It would be best at this point to allow your insurance company to investigate the accident, and see ...
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| Settlement | 6/6/2007 |
Q: What settlement should I ask for, I have about $ 1400 dollars, my son has about $1200 dollars worth ...
A: I'm not an attorney, and states do vary as to how much you can ask for. How the insurance company ...
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| Slipped at a Person's house | 6/5/2007 |
Q: I was at a home doing an elderly person's hair and I slipped on her porch and fell and broke my ...
A: Since the elderly person wasn't negligent, you simply lost control and slipped, there is unlikely to ...
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| Unlicensed Driver involved in accident | 6/5/2007 |
Q: I let a friend drive my car and he got into an accident. I later found about from the police that my ...
A: It could. It seems to me that there is an exclusion for illegal activities, but it's a hard ...
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| Unlicensed Driver involved in accident | 6/5/2007 |
Q: I let a friend drive my car and he got into an accident. I later found about from the police that my ...
A: This is a good example of why it's never a good idea to let anyone use your car.... Yes, your ...
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| accident with someone elses car | 6/4/2007 |
Q: I was driving my friends car and was in an accident. It turned out to be my fault (terrible ...
A: Technically, you are not at all liable for the damage to the car- that goes with the owner of the ...
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| Call Stolen Flooded - Insurance not totalling | 5/31/2007 |
Q: My truck was recently taken for a Joy Ride by some local kids, and they apparently thought it could ...
A: I'm not aware of any legal precedent for suing over diminished value. It's something that is very ...
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| add a roommate | 5/30/2007 |
Q: I own a car. Can I add my roommate as another driver on my policy? What if I don't add her and she's ...
A: If you do not add her, as long as she had permission to drive the car, she would be covered. ...
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| RV insurance | 5/30/2007 |
Q: We recently bought a travel trailer in AZ. Is it required by law that it be insured?
A: Laws can vary by state, so you should check in the state you are in. If you are pulling the trailer ...
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| Accident involving double parked car. | 5/28/2007 |
Q: On Saturday I was driving my company's vehicle, which is a rather large van with a grill on the ...
A: Just because they were illegally parked doesn't mean that you aren't considered liable for the ...
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| HOA vs HOW | 5/24/2007 |
Q: I just changed insurance (home and auto) from State Farm to Ameriprise. I "thought" I did my ...
A: I've not heart before references to HOA and HOW- I've heard of HO3 (Homeowners form 3) and HO5 (Form ...
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| property insurance in Florida | 5/23/2007 |
Q: I would prefer not to put any claims against my property insurance, but a neighbor recently drove ...
A: No, this is not your loss to pay. This is something he must file with his own boat insurance ...
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| property insurance in Florida | 5/22/2007 |
Q: I would prefer not to put any claims against my property insurance, but a neighbor recently drove ...
A: OK, if I understand you correctly, this is your boat. Your neighbor was moving it for you, and ...
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| Neighbor's tree fell on my car | 5/22/2007 |
Q: Last week, during a storm, my neighbor's tree was struck by lightening. It fell on my car, and ...
A: If the tree was infact dead, and was a hazard they should have had removed, then it is your neighbor ...
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| property insurance in Florida | 5/21/2007 |
Q: I would prefer not to put any claims against my property insurance, but a neighbor recently drove ...
A: Well, first of all, I'm not clear on what damage it is that you sustained. If it is damage to a ...
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| borrowing a car I already sold | 5/16/2007 |
Q: I just sold my car to someone. All of the money has changed hands. However, the title has not yet ...
A: Actually, no. It is the ownership of the vehicle that dictates which policy would respond first in ...
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| Car accident fraud | 5/15/2007 |
Q: I accidentally ran into the back of an old pickup truck after it stopped suddenly on the freeway ...
A: You're kind of stuck here, since you aren't involving your insurance company. You're pretty much at ...
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| Tow Truck Hit Me | 5/15/2007 |
Q: May 11, 2007, I was driving 40 mph on the right lane of a double lane (40-45mph) on a 2-way street, ...
A: 1) The truck driver is clearly at fault in the accident, but didn’t receive a citation, what will ...
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| hit and run | 5/14/2007 |
Q: i was in an accident were the driver ignored a stop sign and i hit them. the person driving got out ...
A: They are still not liable. They may not have noticed the car stolen when the accident occurred. ...
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| Personal Injury | 5/13/2007 |
Q: My wife and I had notified our landlord(who lives upstairs)about a leak under our kitchen sink.2-3 ...
A: That is a question best answered by your attorney, because it depends a lot on state law, your ...
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| Do I have to pay what SHE wants? | 5/11/2007 |
Q: I recently got into a VERY minor wreck. I barely bumped the womans car at a red-light. It made a ...
A: Since the police officer didn't feel the damage was over $250, you may be able to get him to attest ...
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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: You are reponsible for the difference between what they got on it, and what you owed, same as if ...
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| a right to demand my car totaled | 5/9/2007 |
Q: I WAS IN A ACCIDENT WITH MY CAR THAT ONLY HAS 3000 MILES ON IT,WHEN A GUY RAN A RED LIGHT AND HIT ME ...
A: The only way they will total the vehicle is if the cost to repair the car is more than 50% of the ...
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| Accident while backing out of driveway | 5/8/2007 |
Q: My 16-year old son was in an accident this morning. We live on the curve at the back of a circle on ...
A: Your son would be considered to be at fault, since he is to yeild to other vehicles when backing up. ...
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| Car hit at Costco Parking lot by Costco shopping cart | 5/7/2007 |
Q: We were waiting in line at a Costco gas station when a cart came rolling down the slope(at a high ...
A: Costco should pay the damages on this, because it was a piece of their equipment under the control ...
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| Woman driver trying to claim | 5/7/2007 |
Q: i recieved a letter from my insurance company recently asking me to fill in an accident report form ...
A: Technically, you would be considered at fault, since you tapped her from behind. I would contact ...
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| Parking Lot Accident | 5/6/2007 |
Q: My boyfriend was recently in a car crash that occured in the parking lot outside of our apartment. ...
A: If he was completely stopped and not moving, he shouldn't be considered to be at fault, however, the ...
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| Parked car hit | 5/3/2007 |
Q: My husband and I were just bearly awake on A Sunday morning when the woman who rents a room from us, ...
A: Tough situation. If you file it with your insurance, your rates will likely go up, but first get an ...
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| Rental Question | 5/3/2007 |
Q: I was hit by a commercial vechile on 3/17/07. My car has been in the body shop since then, and I ...
A: The laws regarding rental reimbursement apply if it is YOU going against YOUR OWN insurance company ...
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| Accident in Gas Station - Scratched paint of iron hoop - Asked to pay lot of money for small work | 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: If your pictures show clearly that the pole was already damaged by another party, you may have an ...
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| Not at fault accident in NC | 5/2/2007 |
Q: I was driving on a four lane two way street, when the car going the opposite direction cross over to ...
A: The other person's insurance is still liable in this type of situation. I have never heard of any ...
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| Parking Lot Accident | 5/1/2007 |
Q: Last Thursday I dropped my husband off at work and proceeded to back out of the parking space in ...
A: I would take the witness, and your husband to an attorney's office, and have him depose them- take ...
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| driver not in policy | 5/1/2007 |
Q: if a driver with driver license be covered in the state of TX or NM if that person is not in the ...
A: In the majority of auto policies, if the owner of the vehicle gives permission to another driver to ...
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| Homeowners Theft Claim Denial | 5/1/2007 |
Q: I have a “Contents Replacement Homeowners Policy” and recently submitted a theft claim for just over ...
A: The insurance company is not acting in bad faith in this situation at all, and the endorsement you ...
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| Rental Question | 4/30/2007 |
Q: I was hit by a commercial vechile on 3/17/07. My car has been in the body shop since then, and I ...
A: No, this isn't right. They should continue to pay for the rental. What you could do to show that ...
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| Settlement seems low--now what? AND-- Must lienholder get paid first? | 4/30/2007 |
Q: I was at fault in a car accident in California. Two questions: If I believe my insurance company's ...
A: The amount for a vehicle is based on actual cash value- sort of like local market value less ...
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| legal requirements to report accident | 4/29/2007 |
Q: I would like to know if there is a legal time frame for a person who admits 100% fault in a ...
A: Sorry, I'm not able to help in the specifics of Texas law. Notification of the insurance company is ...
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| Two cars backing up hit each other. | 4/29/2007 |
Q: My sister was backing out of a road and the other driver was backing out of a driveway and they hit ...
A: I can't tell you whether backing out of a driveway is illegal or not- it's something I've not heard ...
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| legal requirements to report accident | 4/28/2007 |
Q: I would like to know if there is a legal time frame for a person who admits 100% fault in a ...
A: Yes, I do believe your request is reasonable, if your expenses are not unduly extravagant. I do ...
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| hit by a car and now my ins. rates are high | 4/27/2007 |
Q: I was rear ended by another car when I was stopped at a red light. Now all my car Ins. quotes are ...
A: One thing you could try is to contact the companies, and offer to send them a copy of the police ...
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| accused of hitting someones car | 4/26/2007 |
Q: I live in the UK, just to clarify before starting. I have been accused of hitting another students ...
A: I would contact the police, and let them know that this person is trying to say you did damage to ...
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| RV travel trailer coverage? | 4/26/2007 |
Q: Is my travel trailer covered under my auto insurance policy? I had insurance in FL and it was only ...
A: Different states have different rules. If you are towing a trailer behind your car, the liability ...
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| Stolen Car claim | 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: I can't say that your claim will be denied. If your credit history ect is acceptable, and what you ...
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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 somewhat out of my area of expertise, but since they are paying you from the insurance ...
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| damage to vehicle by cart | 4/21/2007 |
Q: My 2006 van was damaged last week in a parking lot. A woman lost control of a shopping cart (which ...
A: This isn't something that your renters insurance would pay. I'm not certain that I understand why ...
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| Stolen Storage inside moving company warehouse | 4/20/2007 |
Q: My storage vault was opened and all my personal boxes 75+ where both open and gone thur and others ...
A: If you have homeowners insurance, you have some coverage for personal property off the primary ...
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| Parts stolen | 4/9/2007 |
Q: Recently I had some parts stolen from my car. My insurance company has declared it a total loss ...
A: You can try to negotiate with them, but ACV is determined by market value minus depreciation ...
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| parked car scratched | 4/9/2007 |
Q: A visitor of my neighbor was parked on the sidewalk and my daughter (not paying attention) ran her ...
A: Don't cooperate- what she is doing is insurance fraud, and she's asking you to help her do it. ...
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| Auto Accident and Insurance | 4/7/2007 |
Q: I live in Alabama...I was hit from behind and my car was declared totaled. Problem is that I owe ...
A: I would suggest contacting your lender, and seeing if they will agree to roll the balance onto your ...
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| car accident by family member | 4/6/2007 |
Q: I sold my car to my niece when I moved out of Kansas, she had a car accident in the Winter due to ...
A: Basically, since you sold the car to her, you should have taken it off of your insurance, and your ...
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| Dealing with Scratch to Another Car | 4/5/2007 |
Q: While parallel parking in tight spot I tapped the car parked in front of me. Other driver got out ...
A: The insurance company most likely would just pay it, perhaps not as much as her estimate though, and ...
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| Hospital Covered - Anesthesiologist Not | 4/5/2007 |
Q: I have the highest level of coverage offered through my company by a very large insurance company. ...
A: The only thing I can suggest is to contact your state's insurance department, and ask them to review ...
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| accident while parked at a party | 4/1/2007 |
Q: my 17 year old daughter borrowed a friends car and the car was wrecked into while parked at a party. ...
A: Insurance coverage follows the vehicle, so it is her friend's insurance policy that would respond. ...
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| Insurance w/ Learner's Permit | 3/31/2007 |
Q: My son received a learner's permit in Texas last June, and my insurance company automatically added ...
A: I believe your insurance agent is incorrect, and as such, I would recommend getting another agent. ...
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| Life insurance beneficiary | 3/30/2007 |
Q: This is a confusing question so I will try to explain the best that I possibly can without putting ...
A: Unless you know what insurance company he got the policy through, it would be very difficult, and ...
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| Do I have to give my insurance info | 3/29/2007 |
Q: My car was parked and was hit in the rear. Do I have to give my insurance info to the insured ...
A: If the claim isn't filed against your insurance, your rates should not go up, although if this ...
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| parking lot cart | 3/29/2007 |
Q: I was in the Home Depot parking lot and a large cart was against my car when I came out of the ...
A: This would fall against your collision coverage. It's unlikely they would put it against your ...
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| what sould I do | 3/21/2007 |
Q: My son die in a car accident. My mother was driving her boyfriends car which he gave her the keys. ...
A: So sorry about your son. Unfortunately, the policy will probably not do much for you, and here is ...
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| Hit N Run. Fraud? consequences? | 3/21/2007 |
Q: This is a hypothetical. This story did not happen to me but I want to know what would happen. I was ...
A: Do NOT committ insurance fraud! It's usually a felony. From your story, if I were an adjuster, I'd ...
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| my car | 3/19/2007 |
Q: Im in clarkston Ga My car was parked and off for hours when this guy hits my car in a moving truck ...
A: I would suggest contacting the insurance company, and discussing it. However, if your car was old ...
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| Betterment deduction | 3/19/2007 |
Q: My wife was involved in an auto accident where 2 cars collided and then 1 of them hit her right ...
A: I'm surprised first of all that your insurance company wouldn't help. You could make the claim ...
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| Hit and run | 3/17/2007 |
Q: We were at a store (borrowing my brother-n-laws truck) getting trees. It was at night. While we ...
A: It's your brother in law's insurance coverage that would be covering the damage from the accident. ...
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| driving without insurance | 3/16/2007 |
Q: I chose not to provide my 16 year old step-son with auto insurance until his grades, etc improve. I ...
A: As a general rule, the primary insurance coverage comes from the vehicle, with the drivers insurance ...
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| renatl car | 3/13/2007 |
Q: I WAS INSIDE THE STORE WHEN I CAME OUT SOMEONE HAD HIT THE RENTAL CAR I CALLED THE POLICE AND NOW MY ...
A: First you need to look at the rental contract, and the find print. If you didn't purchase the ...
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| insurance | 3/9/2007 |
Q: My son had borrowed my husbands car to go to school. He was coming back home and was pulled over. ...
A: If your vehicle is insured, then as long as you do not have an exclusion on your policy stating that ...
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| claim | 3/7/2007 |
Q: What if my parents do not know how to speak english. Then, Can I talk for her?hi!thanks. What if my ...
A: Most large insurance companies contract with translation services for their insured's who do not ...
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| no fault accident | 3/7/2007 |
Q: Two years ago I had a rollover.Because of weather conditions it was deemed a no fault accident.Today ...
A: When you lose control of your vehicle due to adverse weather conditions, you are considered to be at ...
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| claim | 3/6/2007 |
Q: What if my sister is under 18, can I talk to the insurance adjuster for her?Hi! My sister got to a ...
A: If your sister is under age 18, and you are her court designated legal guardian, then yes. ...
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| claim | 3/5/2007 |
Q: My sister got to a car accident, but it wasn't her fault. I would like to know, should I talk to an ...
A: Unless this was your car she was driving, I doubt that the insurance adjuster would talk with you, ...
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| vehicle claim | 3/1/2007 |
Q: So, my vehicle was damaged but road conditions while driving to and from work. when i initially ...
A: First, I would go back through your checkbook or credit card statements, to figure out when you had ...
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| Medical insurance | 2/27/2007 |
Q: My husband, who was covered on my insurance, was in a motorcycle accident on December 24,2006. The ...
A: This is a good question for your state's Department of Insurance, as these laws can vary by state. ...
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| neighbor and water damage | 2/18/2007 |
Q: My brick rowhouse in NJ has water seepage/damge to the front and back room's exposed brick walls. A ...
A: This is a touch situation. You might want to ask your insurance company to come out and evaluate ...
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| divorce/health insurance? | 2/10/2007 |
Q: Is it legal to leave my ex husband on my health insurance? I live in NJ.
A: NJ has it's own laws. Generally, if they are not legally your spouse, you cannot include them on ...
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| Car Accident Settlement Amount | 2/8/2007 |
Q: My car was rear-ended by a tractor trailer on an interstate off ramp 3 months ago. I'm 35 & this was ...
A: Your best bet would be to consult with an attorney. I can't really tell you how much you should be ...
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| auto theft | 1/25/2007 |
Q: i had my car stolen while it was running for a minute or two. i had my customer's stuff in the car, ...
A: There are limitations for coverage on the homeowners policy, depending on what type you have. Most ...
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| car rental | 1/22/2007 |
Q: My car was hit while parked in front of my house. The drivers insurance has accepted liability. ...
A: Once they pay you for your loss, they have completed their obligation to repair the damage done by ...
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| no insurance | 1/20/2007 |
Q: I defaulted on my car insurace and was involved in an accident that was not my fault. I tried to get ...
A: First, your new insurance isn't going to pay for the loss, because their policy wasn't in effect at ...
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| Car stolen, Insurance Paying Minimal losses | 1/19/2007 |
Q: My son just got his car stolen. It is a 1995 toyota tercel. It does have a reconstructed title, ...
A: Sorry, reconstructed titles are never valued at very much. It's so very difficult to determine ...
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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: Sorry about the hot tub. I had one for years in my prior home, and SO miss having one. The trees ...
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| car accident insurance issue | 1/16/2007 |
Q: A lady pulled out in front of me and we crached its her fault she has no insurance and I only have ...
A: Yes, pretty much. You can take her to small claims court and get a judgement. Some states will ...
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| I am in need of answers | 1/15/2007 |
Q: I am wanting to take over car payments from a private party without going thru a finance company to ...
A: Unfortunately, if you are not the owner of the vehicle (or the party on the finance company's ...
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| stolen truck | 1/2/2007 |
Q: My truck was stolen then recovered. I had only liab. insurance on the truck. My truck was severly ...
A: You could try suing the thief, but most likely, it wouldn't be a successful cause of action, as they ...
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| who pays | 1/1/2007 |
Q: my car was parked on the side of the road due to bad road conditions with the hazaeds on. I walked ...
A: First of all, it sounds to me like you have a cause of action against the police, for not sobriety ...
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| Autro Insurance Coverage | 12/27/2006 |
Q: My girlfriend and I are sharing a home. Can we have one Auto insurance policy to cover both of us ...
A: You will not be able to get a single policy with the vehicles titled as they are. You will have to ...
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| No Fault Accident | 12/27/2006 |
Q: I was driving down a city street and needed to switch lanes before a red light. I saw a black SUV ...
A: Sorry, but without witnesses, there isn't much you can do. Since your car sustained front end ...
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| swingset liability | 12/19/2006 |
Q: Recently, I put up a very nice wooden playset/swingset for our kids. We are concerned about one of ...
A: What you are looking for is called a Hold Harmless and Indemnify statement. This means that the ...
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| Driver door struck while car parked | 12/19/2006 |
Q: I had a car parked. Engine turned off. There was no car in the adjoing parking space, and I opened ...
A: It sounds to me like you need to hire or get your insurance company to do an independent appraisal ...
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| Garage Fire | 12/16/2006 |
Q: But this is still true when this is no way a motor vehicle ? Just wondering what the insurance ...
A: The homeowners policies have a definition of motor vehicle, goes something like: Includes an ...
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| Truck stolen/recorved (on fire) total loss | 12/16/2006 |
Q: My fiancée went to visit old friend in Detroit, MI while he was there my truck was stolen 10/5/06. ...
A: It sounds like your leasing company received full payment for the truck, so they shouldn't be ...
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| AUTO FIRE | 12/15/2006 |
Q: I WAS INVOLVED IN A AUTO ACCIDENT, FRONT END DAMAGE TO MY CAR, OTHER PARTY FOUND 100% AT FAULT. ...
A: It sounds to me like you have two claims here- one that the other party is 100% responsible for, and ...
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| Parked Car Accident | 12/14/2006 |
Q: My car was parked and off. i opened the door as no cars were around, as i was grabbing my purse a ...
A: The other person's insurance most likely will pay for the damage, but they may inspect the damage ...
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| Accident with NYPD car | 12/14/2006 |
Q: I was recently involved in an accident with an NYPD police car: damage only no injuries. The ...
A: I went to the NYPD website. I couldn't find anything regarding filing a claim against them, but you ...
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| Possible dead tree | 12/13/2006 |
Q: My husband and I received a notice from our HOA that there was a dead tree on our property that ...
A: What he means is that if you are given notice that you have a dead tree, and you fail to have it ...
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| Hit by FedEx truck - what are my rights? | 12/13/2006 |
Q: Two weeks ago my '98 Toyota Corolla was hit by a FedEx Freight truck who improperly changed lanes. ...
A: They should be able to do that, provided that there isn't a loan on the vehicle. If there is, they ...
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| Hit and Run, then report stolen | 12/12/2006 |
Q: Three months ago, I got t-bone by another car, then that car leaves the scene of the accident. I ...
A: If the report of the theft of the vehicle was after the accident, this is very suspect. You would ...
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| total loss | 12/12/2006 |
Q: I didn't have full coverage, the accident was my fault, and my vehicle was deemed total loss, if ...
A: I have never heard of such a thing, but maybe there is some kind of law like that in your state. I ...
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| Son's Accident | 12/11/2006 |
Q: My son's car was totalled at 6:30 am (going to work) by a drunk, speeding man. Accident report ...
A: I would contact Allstate Insurance toll free claim line (use a search engine like google and search ...
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| loss of wages compensation | 12/11/2006 |
Q: My son was helping a friend hang Christmas lights and fell off his roof. He will be out of work for ...
A: Your son can try to file a claim against the insurance. Medical Payments coverage will pay a small ...
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| accident | 12/10/2006 |
Q: I was involved in an auto accident. The car in front of me lost control on a curve and fish tailed ...
A: I agree with you, this is a situation where fault in the accident should be divided 50/50 or more on ...
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| Accident without insurance | 12/8/2006 |
Q: I was recently driving without insurance, and was involved in an accident. The California Highway ...
A: I'm from Wisconsin, so I can't answer as to Motor Vehicle laws in California. The greater ...
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| HIT AN RUN | 12/8/2006 |
Q: A few weeks ago I was in my apartment when me and my wife heard a car crash. She(my wife) looked at ...
A: I would check with the police and see if they have any suggestions, and whether they would write a ...
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| car insurance matter | 12/7/2006 |
Q: My friend and I just bought a used 2006 Chevy Malibu the other day. She is under the title because I ...
A: If you are not legally on the title to the vehicle (ie's only your friend and her dad as co-signer), ...
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| Diminished Value | 12/7/2006 |
Q: A month ago, my wife got is into a major accident. The guy did not yield on the stop sign. Our (2005 ...
A: Diminished value is something that is an exclusion under policies, for your vehicles. If you are ...
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| car accident | 12/7/2006 |
Q: Plaza of parking lot. I pulled out from parking spot, ahead of me about 300 feet is a snowplow ...
A: There is liability coverage for damage the truck did. This is a tricky situation, as you have to ...
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| backing out slippery conditions | 12/7/2006 |
Q: My girl friend was backed out of my driveway and was facing forward when she was rear ended. This ...
A: If the other parties car was out of control when it hit her, generally they would be considered to ...
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| Mall Property Damage | 12/6/2006 |
Q: My brother's car was parked in a mall parking lot on a windy night during business hrs and he came ...
A: Zurich is correct. There wasn't any negligence on their part, unless you can prove that the light ...
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| Auto Insurance Claim | 12/6/2006 |
Q: My car was recently totaled. I purchased my car from a dealership that no longer exists, due to the ...
A: I would suggest taking this claim to your state's insurance commissioners office. I'm not sure ...
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| Insurance Policy Research | 12/6/2006 |
Q: I am a research consultant for several Insurance Adjusting Firms. My primary function is to get ...
A: If you are trying to get specific information as to what policy form the policy is insured under, ...
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| A Car Scratch | 12/5/2006 |
Q: Iam going to make up two names for this short story... Josh, and Courtny One night Courtny tried ...
A: Courtney, as the owner of the car, is responsible for what happens to it. She gave permission to ...
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| pay off mortgage | 12/5/2006 |
Q: Are there any benefits to taking money out of savings to pay off our mortgage? We will both be ...
A: An investment counselor would be the best to tell you the tax advantages / disadvantages of paying ...
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| Tree fell on my house | 12/4/2006 |
Q: My neighbor's rotted tree fell on my house Friday night, damaging my roof, porches, 2 exterior ...
A: One thing that first comes to mind is your insurance company proving that the tree was indeed ...
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| Broken windsheild | 12/3/2006 |
Q: My daughter was involved in a fender bender scratches on both cars bumpers and fenders. But my ...
A: If she is carrying liability only coverage(Bodily Injury and Property Damage to others)then coverage ...
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| homeowners insurance | 12/1/2006 |
Q: We had a ice storm last night and a very large tree on my property fell across my driveway and ...
A: No, unfortunately, they would not be covered under your homeowners policy, especially those that you ...
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| Homeowners Insurance Coverage Law | 12/1/2006 |
Q: I'm a mortgage broker in California and I have a lender requiring my client to up his insurance to ...
A: Other than asking others in your industry, your best source for specifics of California law is ...
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| Liability insurance | 11/29/2006 |
Q: I am sub-contracting my house to be built and I was wondering how much should I have to pay for ...
A: The coverage that you will be needing is called Builder's Risk. It insures the materials used for ...
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| Insurance and car rental | 11/29/2006 |
Q: We were recently in an accident in which it was the other parties fault. Their insurance convinced ...
A: Some more information on this for you. I was at Continuing Education this week, and figured out ...
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| Liability or Casualty? | 11/25/2006 |
Q: We have a son who brought over some friends. They were smoking pot and one of the boys took ...
A: If it was alcohol, and you provided it for them, then you could be held liable. Since this wasn't ...
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| policy coverage question | 11/20/2006 |
Q: The car I was driving is my but doesnt have UIM-BI, but my other two cars do have UIM-BI. My ...
A: No, in a case like this, when you own the car and elect to not purchase the same coverage, there ...
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| hit and run | 11/18/2006 |
Q: I was involved in a hit and run on a California highway during rush hour. I was at a complete stop ...
A: I would definately argue this with your insurance company. The damage to your car would clearly ...
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| Our tree fell on neighbors roof | 11/16/2006 |
Q: During a storm (aftermath of a southeastern hurricane - we live in Delaware) a large branch of a ...
A: You are absolutely correct. If there wasn't any rot to the tree, it is considered to be an Act of ...
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| policy coverage question | 11/15/2006 |
Q: I was involved in a car accident. It was someonelse fault and she did not have insurance. the car ...
A: There is a difference between UM (Uninsured Motorist) and UIM (Underinsured Motorist). And there ...
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| RV Theft | 11/14/2006 |
Q: Also, asking I give a signed statement Ins.Co.can payoff lien holder (no problem - loan company ...
A: That does seem unusual. Most of the time, the bank is already listed on the policy as an additional ...
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| RV Theft | 11/14/2006 |
Q: I had a 2006 RV (travel trailer) stolen. I paid 20k, RV value per NADA is 26-32k. Insurance agent ...
A: Requiring a copy of a bill of sale is a very standard practice in any theft. It shows that you ...
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| Car accident | 11/7/2006 |
Q: I was in a car accident (one car )my son lost control in a weather related accident. My question is ...
A: As I understand it, yes, you are still responsible for the $900. This happens frequently in car loan ...
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| hit and run | 11/7/2006 |
Q: I had a car accident but my sister while i was fixing the car pulled off the police track me down ...
A: Leaving the Scene of an Accident (LSA) is a very serious offense, and from an insurance standpoint, ...
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| Salvage Motorcycle Purchases | 11/7/2006 |
Q: Where can I register to purchase salvage motorcycles from Insurance companies? Thanks,
A: I don't know that there is any special place that you can register to purchase salvage motorcycles. ...
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| home owner's insurance | 11/7/2006 |
Q: I paid to have a house given to me moved to my property. I dont have a deed to the house but I paid ...
A: If I were an underwriter, and explained this like you did to me, my question would be on the ...
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| home owner's insurance | 11/6/2006 |
Q: Can you purchase home owner's insurance policy without deed to the property, only the land?
A: If you are building on that land, you can purchase a Builders Risk policy, which provides coverage ...
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| Liability | 11/3/2006 |
Q: I own a home in Denver Colorado. Recently the basement flooded and some of the tennets belongings ...
A: You would certainly be able to agree to take the money off of the rent, that would be the easiest ...
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| Homeowners fire | 11/2/2006 |
Q: We had some contents stored in a relatives detached shed when it burned after being hit by ...
A: Yes, this should be covered under their policy. Detached garages and sheds are usually insured ...
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| Auto Accident | 11/2/2006 |
Q: My daughter was in a car accident on the freeway. She was rear-ended by a dump truck. The ...
A: From an insurance standpoint, probably not much you can do. You may want to consult an attorney ...
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| Property theft | 10/28/2006 |
Q: What is a recovery letter? why does this letter need to be sent to the police to finish my claim? ...
A: I'm not familiar with the term Recovery Letter, but it sounds like they want confirmation of what to ...
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| Car Insurance | 10/19/2006 |
Q: I was driving my son-in-law car last night when I got in an accident I hit no one but a tree, and ...
A: Your insurance would respond on an excess basis to vehicles you drive for those that do not reside ...
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| water damage to neighbor's home | 10/17/2006 |
Q: Several weeks ago, the town where my father lives (in Texas) experienced heavy rains which resulted ...
A: The insurance company should provide defense, however I strongly doubt that any negligence will be ...
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| unsure auto | 10/14/2006 |
Q: what unsure auto insurance is for? We have libility insurance and comprehence insurance. what is ...
A: I'll start with liability first. Say your policy has 50,000/100,000/50,000. That stands for ...
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| Homeowner Liability | 10/10/2006 |
Q: We have a friend staying with us because she recently had a stroke - the effect of which makes it ...
A: I doubt that it's likely, but I would give them a call. Likely you are saving THEM money but taking ...
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| Muriatic acid damage to automobile interior | 10/9/2006 |
Q: will keep try to find chemist to answer. From an insurance standpoint, would future abnormal ...
A: I don't have an auto policy provisions jacket, but I do know there are exclusions against rust. ...
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| Auto accident not my fault and want my car fixed | 10/9/2006 |
Q: I was in an accident that was not my fault on 9-20-06. I went to my mechanic and got my estimate on ...
A: If you were rearended, the negligence, irregardless of any medical issues on their clients part, is ...
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| Impound Sold Car With No Notice | 10/8/2006 |
Q: My customer's financed car was stolen within days of purchase; it was later impounded by Chicago ...
A: When he purchased the car, he would have had to get insurance. When it was stolen, he should have ...
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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: It is generally correct, if the cost to repair the bike is more than it's worth, they'll consider it ...
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| Mutiple Car Crash | 10/4/2006 |
Q: I am in a bit of a pickle. I just recently had my licence revoked for not taking care of a parking ...
A: Gee, your neck is still sore hey? It's a good place to start for you. It's all on the liability of ...
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| Passenger Claim | 10/2/2006 |
Q: In February I was in a bad wreck as a passenger, my friend hit a wrock the truck flipped and I ...
A: It sounds from your description of the accident that your friend wasn't negligent- he hit a rock ...
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| Homeowners Liability - Kids's Play Area | 9/30/2006 |
Q: We recently put in a built-in play area for our children in our yard. Our neighbors have small ...
A: What you have built could indeed be called an "Attractive Nuisance". This is something that either ...
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| settlement | 9/30/2006 |
Q: O.K I ALMOST UNDERSTAND: LET'S USE ONE PERSON SINCE IT WAS ONLY ME. THE 20/40/10 YOU TALKED ABOUT- ...
A: Yes, you'll have to go after the driver in civil court for the damages, that's why the lawyers run ...
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| Uninsured car stolen | 9/28/2006 |
Q: My step son in Los Angeles owns a pickup that he still owes thousands of dollars on. The pickup was ...
A: He is responsible for the debts he contracted for. Most dealerships or financing companies require ...
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| settlement | 9/28/2006 |
Q: if i've been hit in an accident { no at fault} and the other person's insurance policy is let's say ...
A: No, that isn't how it works, but I'll explain it to you. Let's say that someone has 20/40/10 ...
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| Sebregate from 3rd party payment | 9/27/2006 |
Q: I was recently in a motorcycle accident and was hospitalized. A man ran a red light and hit the side ...
A: Yes they can. Under the terms of your health insurance policy, it states that they are entitled to ...
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| medical insurance | 9/27/2006 |
Q: is it true, here in nj, if you employer offers you medical insurance, can you not take it and get ...
A: I don't know the specifics of NJ health insurance, but generally, it's cheapest to get it through ...
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| Health Insurance | 9/26/2006 |
Q: What is the regulation on a insurance company notifiying you on cancellation of coverage. We never ...
A: This depends on the reason for coverage ceasing. For example, if your health insurance policy ...
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| Car insurance | 9/24/2006 |
Q: My 18-year-old daughter frequently drives my car and is included on my policy. I have asked her not ...
A: Sure! One thing that will happen if there is an accident with a driver that you as the Insured ...
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| Car insurance | 9/22/2006 |
Q: My 18-year-old daughter frequently drives my car and is included on my policy. I have asked her not ...
A: The general answer to this is yes, the driver would be covered, however you could possibly have a ...
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| Fire insurance | 9/19/2006 |
Q: Iam buying a doublewide from a person I know on a rent to own bases with property.The tital is still ...
A: Good question. I would tend to look at it the same way as buying a house conventually, with a ...
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| Time Line? | 9/18/2006 |
Q: ------------------------- That was definitly helpful. If this helps anyone else in the future ...
A: I recall one fire that was very weird, and investigated like this. The guy burned off the end of a ...
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| Time Line? | 9/13/2006 |
Q: Our house burnt down completely 6 months ago and our insurance company still has not paid the claim ...
A: I would suggest contacting your state's insurance commissioners office and ask their consumer ...
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| major medical coverage | 9/12/2006 |
Q: I live in Connecticut is there any kind of insurance just for major things such as an operation etc. ...
A: You might try the larger insurance companies- State Farm, All State ect. They often offer Major ...
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| homeowner liability | 9/12/2006 |
Q: My son was living in a house where he was a renter. He dove into the swimming pool from the diving ...
A: No. If he was a guest on the property and this occurred, the answer would be yes. But since he was ...
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| Rental Coverage | 9/12/2006 |
Q: I was rear ended and filed a claim thru the other driver's insurance. It took them over a week to ...
A: It would seem to me that the primary delay was in their getting their adjuster out there. I don't ...
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| Homeowner's Liability for accident in home | 9/11/2006 |
Q: Good Morning, My son was invited to his friend's home for a party. During the evening my son ...
A: No, your son isn't liable. As an invited guest, any damage he would do is pretty much an assumed ...
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| Total Loss Offer | 9/9/2006 |
Q: We live in CA and have been with our insurance copy for over 25 years. Our daughter was hit from ...
A: Can't help you with the warranty issue. I believe you're out the money on this, unless you can buy ...
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| hit and run | 9/8/2006 |
Q: I have a question on an incident that happened to my girl-friend the other day in an apartment ...
A: It definately sounds like the cop has an attitude problem, and I believe that if she talks to the ...
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| Home Owners Insurance claim to previous owners policy | 9/7/2006 |
Q: I believe that this is considered a third party claim, but could be worng. We moved into a house ...
A: When you purchased the home, you purchased it most likely "as is where is"- in the condition it was ...
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| The other driver will not give me his insurance information. | 9/7/2006 |
Q: I was hit yesterday in a parking lot. I have three witnesses that saw the other driver back up and ...
A: If you are in a state that has mandatory insurance, you might be able to check with the state if you ...
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| insurance claim | 9/6/2006 |
Q: about 2 weeks ago my neighbors large tree fell on my house causing extensive damage. I was told by ...
A: I couldn't help you with that one. I never got into the specifics of depreciation in such a loss, ...
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| insurance claim | 9/4/2006 |
Q: about 2 weeks ago my neighbors large tree fell on my house causing extensive damage. I was told by ...
A: In order for your neighbor to be liable for the damage the tree caused, it usually has to be proved ...
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| intersection accident | 8/30/2006 |
Q: Can I get anything off for negligence on my defense? Thanks for all your help.I saw the last ...
A: I doubt it. You can certainly explain your story, but I doubt that it will make any difference in ...
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| No recourse for a hit and run victim | 8/29/2006 |
Q: A month ago, I was hit by a drunken driver while at a red light in Phoenix. The driver hit me at 50 ...
A: I'm not familiar with the specifics with Arizona law, but based on what you're telling me, I would ...
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| Auto Insurance Terminated | 8/29/2006 |
Q: My auto insurance company has informed me that they are terminating my coverage because someone who ...
A: Call your insurance company, and explain that this was the prior tenant of the apartment that you ...
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| Insurance law Tennessee | 8/28/2006 |
Q: What is the maximum I can insure my home for in TN? The appraisal was 285,000.00, but the ...
A: There are issues with both over and underinsuring a home. One thing to keep in mind is that the ...
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| Third party claim property damage | 8/7/2006 |
Q: My vehicle was receintly struck by another vehicle pulling out of a restaurant parking lot. I was ...
A: Sorry for the delay in answering your question. I had to move suddenly, and didn't have internet ...
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| Motorized recreation | 8/5/2006 |
Q: My children and I ride off road motorcycles on our farm. We enjoy inviting friends to ride with ...
A: Sorry for the delay in answering your question, I had to move suddenly and had no internet access ...
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| Homeowners Flood Insurance Coverage | 7/31/2006 |
Q: I purchase my home and insurance in 5/2004 for $155K. In 4/2005 I call Fema my flood insurance ...
A: Sorry for the delay in answering your question. I had to move suddenly, but I'm safe now... The ...
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| Hospital billed me at time of no insurance coverage | 7/30/2006 |
Q: Back in 2001, I was admitted to a hospital, a psychiatric one really.(embarrassed) I had no ...
A: Sorry I couldn't answer your questions sooner, long story. Your present health insurance coverage ...
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| homeowner's insurance coving property damage | 7/24/2006 |
Q: We live next door to a man named Frank and recently we had a bad storm that knocked three of his ...
A: You would possibly have recourse against his homeowners insurance with the tree that had severe rot, ...
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| Car Accident Settlement | 7/24/2006 |
Q: My 20 yr old niece ( currently a full time college Student) will receive a settlement from the ...
A: Good question- I had to look it up, and here is something I found on the internet. Hope it helps. ...
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| unisured drivers | 7/24/2006 |
Q: If a driver on a permit totals a car without a licenesed driver in the car in new york will the ...
A: I'm not familiar with the specifics of NY law, however I can give you a general idea. If the driver ...
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| Business Insurance | 7/21/2006 |
Q: We are a large contractor reqesting quotes to insure our landscape and snow removal business. Can ...
A: I'm not from your area but here are a couple of suggestions: 1) Contact the larger independent ...
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| Homeowner's liability | 7/19/2006 |
Q: I was parked at work and a limb from the the neighbors tree broke off and damaged my vehicle. Is the ...
A: No, these types of losses are considered to be an Act of God, and would come under your own "Other ...
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| Stolen Car recovered from Mexico | 7/19/2006 |
Q: I had a Ford F-250 (value $48K) that was only five weeks old stolen in June 2006. It was recovered ...
A: Subject to the deductible you carry, your comprehensive (other than collision) coverage should pick ...
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| Insurance after a fire | 7/13/2006 |
Q: I had a candle fire in my home. I am finding it diffucult to find an insurance company. I have never ...
A: I'm assuming you had a claim for the candle fire, so that is why you are having a hard time getting ...
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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'm afraid your insurance policy isn't going to pay for damage due to settling- as I recall, that is ...
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| stolen truck | 7/12/2006 |
Q: The truck's lease is in both my dads name and my brothers name. The insurance policy is in only my ...
A: Yes, they certainly can. Misrepresentation (lying) about the facts voids the policy in many ...
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| can i claim? | 7/12/2006 |
Q: I do not wish to claim from my insurance as this will effect my no claims i'm really wanting to know ...
A: I doubt that you will be able to make any claim against the local authorities. In the United ...
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| Damage worth more than old used car | 7/8/2006 |
Q: I backed into a car and poked a small almost unnoticable hole with my trailer hitch in the plastic ...
A: It's a tricky situation always when you try to handle your own claims. You can't blame the other ...
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| Auto Insurance Claim | 7/5/2006 |
Q: I was determined to be at fault. I strongly dispute that but the other persons insurane says there ...
A: They can report this on your credit because they can get a judge to issue a judgement against you ...
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| calculating a | 7/3/2006 |
Q: My car was just involved in a flood and completely submerged. We are still awaiting an adjuster, ...
A: Actual cash value isn't a firm formula generally, although it can vary somewhat by company. The one ...
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| Damage to car with Muriatic Acid | 7/2/2006 |
Q: My employer hired a contractor to powerwash/tuckpoint the building. The contractor supposedly has a ...
A: When they ask for 3 appraisals, it's standard to take the lowest appraisal. It would confirm that ...
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| Car Accident | 7/1/2006 |
Q: I was involved in a car accident on 6/10/06. I was going through a green light when the other driver ...
A: If you had the green light, and the other driver was turning left in front of you, then he would be ...
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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: I'm not an attorney in California, that would probably be your best source. But as I recall, most ...
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| Deleting spouse from auto insurance policy | 6/29/2006 |
Q: How do I go about deleting my spouse from my (SC)South Carolina auto insurance if he doesn't live ...
A: The issue is that the auto policy defines an insured as you and your spouse, so the insurance ...
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| Lapse in coverage? | 6/29/2006 |
Q: A friend was in a minor car accident (his fault). After filing a claim through the insurance ...
A: The only grace period is on life and health insurance policies. There is none on property/casualty ...
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| car accendint | 6/28/2006 |
Q: my boyfreind got hit from behind in my car.they took him to the hosptial.he is ok but i had no ins.i ...
A: The person who hit your vehicle from behind is responsible for the damage. You will likely need to ...
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| Hit and run - no witnesses | 6/27/2006 |
Q: I live and Texas and my car was hit at a public transportation "Park & Ride" in Houston. I have no ...
A: It may be that your friend did not have collision coverage, but did purchase the ...
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| Totaled car | 6/26/2006 |
Q: This weekend I lost control of my car. I don't know what caused the accident. I could have hit a ...
A: You certainly don't have to report it, especially since there were no other cars involved and no ...
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| Self insurance | 6/25/2006 |
Q: LAst question, obviouly with standard insurance you don't get money back, but when you self insure, ...
A: When you self insure, you would keep the money for the most part. Unless to self insure for auto ...
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| Self insurance | 6/25/2006 |
Q: Denise, if say after 5 or 10 years there are no claims, can you get the money back?Can you tell me ...
A: With insurance, the answer is no. You have traded the money for the peace of mind of knowing if ...
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| replacement value | 6/25/2006 |
Q: I have had a terrible time with my insurance company. My desktop computer was stolen. I have ...
A: I think you're going to bite the bullet on this one. It sounds to me that either Costco is way over ...
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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 insuring is basically being rich enough to pay off anyone that you might do damage to. Some ...
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| title 19 eligibility | 6/20/2006 |
Q: My folks inquired about title 19 eligibility and were told that their life insurance policies ( one ...
A: This is an area I'm not very familiar with. Laws have recently changed, and you'd better consult ...
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| Car accident settlement | 6/20/2006 |
Q: I had a no-fault car accident in December 2006. I live in California. My case was settled in March ...
A: You may want to consult with another attorney, or if there is a board that handles complaints ...
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| Car hitting condo structure | 6/16/2006 |
Q: I am president of my condo association and we had an ill driver go into diabetic shock, go out of ...
A: Your insurance carrier is correct. The policy that is going to pay is the drivers insurance policy, ...
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| Car Allowance Policy | 6/16/2006 |
Q: I am new to a large construction management firm in Illinois. My question is in regard to "during ...
A: If the employees are driving their own vehicles, their insurance coverage is primary. Depending on ...
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| HO 8 | 6/14/2006 |
Q: My home was built in 1875. It is a very modest 1600 sq. ft. two story. My HO (HO 3) insurance is ...
A: Here is a good link I found that shows the policy forms and perils side by side: ...
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| Out of State residence | 6/11/2006 |
Q: My situation is rather complicated, but I will try my best to explain it thoroughly. My husband ...
A: You have three issues as I see it. One, is West Virginia law regarding residency and college ...
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| rental car coverage other drivers fault | 6/8/2006 |
Q: I was hit by an 84yr old red light runner in Phoenix on 6/7/06. She was cited. I was not. What is ...
A: What they are telling you sounds correct- if you had an older car, it would make sense that they ...
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| Alzheimers' and reinstating life insurance | 6/6/2006 |
Q: My sister and I are our mother's power of attorney. I am over finances and my sister is over ...
A: Some companies will allow reinstatement based on evidence of insurability- ie, if you have nothing ...
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| rear ended; go though my insurance or theirs? | 6/5/2006 |
Q: I was rear ended last week. My car has both front and rear damage. Should I go to though ...
A: Since your vehicle also has front end damage, you may want to go through your own company. They ...
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| insurance company ruling of fault | 6/5/2006 |
Q: My daughter was hit as she was going through a round about. The police report says " It appears ...
A: This might be a sitation worth consulting an attorney. As I understand round abouts, those already ...
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| my car was hit in the rear | 6/3/2006 |
Q: The lady who hit me said she didn't want this damage reported to her insurance company. She wanted ...
A: She could make the check out to you, but what guarantee does she have that you wouldn't pocket the ...
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| At-fault driver has insufficient insurance | 6/3/2006 |
Q: My husband and I do have uninsured and underinsured coverage in our insurance policy. However, I am ...
A: It depends on the kind of Uninsured/Underinsured Motorist coverages you have. If you carry UM ...
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| At-fault driver has insufficient insurance | 6/2/2006 |
Q: What do you do when an at-fault driver has insufficient insurance to pay for your total loss?
A: If you have auto insurance of your own, then you would turn in the claim to them. Depending on what ...
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| Injury Question | 6/2/2006 |
Q: A friend was helping me with an owner builder remodel. He invited a cousin to work with him and she ...
A: The owner would generally be responsible, but you may want to consult with an attorney in your state ...
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| Homeowner's coverage | 5/31/2006 |
Q: I actually live in Wisconsin and yesterday we had a minor incident with our home. Over the weekend ...
A: This is a tough question. I don't have a homeowners policy form handy, but as I recall, your ...
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| Auto Coverage for a Teen with a Permit | 5/30/2006 |
Q: I have a teenage driver with a Learner's Permit in NJ. She will not have an actual drivers license ...
A: What your company is saying does sound a bit unusual, however if you are in New Jersey, then it's ...
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| Unattended or not? | 5/26/2006 |
Q: My policy states that the company will not cover baggage/electrical goods that are lost or stolen ...
A: If you were holding the cart, it would not be considered to be unattended. If you left your bags ...
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| Loaned Car Liability | 5/22/2006 |
Q: I woke up on morning with my girlfriend and we decided to go out for breakfast. She asked me to ...
A: From a legal standpoint, the owner of the vehicle is responsible for the damage they cause to ...
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| INSURANCE REFUSE TO PAY | 5/19/2006 |
Q: I WAS RECENTLY IN A CAR ACCIDENT,SOMEONE RAN THE RED LIGHT AND HIT MY CAR. THE DRIVER ADMITTED ON ...
A: Two ways you can go on this- you can contact you State's insurance commissioners office. They will ...
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| Hit from behind and can't locate other driver | 5/19/2006 |
Q: Denise, About 2 months ago, my girlfriend was stopped at a traffic light. She was hit from behind ...
A: First, I would inquire as to the date that your girlfriends insurance policy expired. If it was ...
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| Insurance claim payment | 5/17/2006 |
Q: We recently had a bad hail storm in my area and my car was damaged. I will be taking it to be ...
A: The reason for this is that insurance fraud was occurring- people would take the money, never get ...
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| "Illegal" Hit & Run | 5/16/2006 |
Q: I have a neighbor that came up to me the other day and said that they were in a lost. Her brother, ...
A: Wow, what an interesting situation! First of all, the sister isn't liable for her brothers actions, ...
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| Car Accident | 5/12/2006 |
Q: My name is Jason and I am a porter for a used car dealership. I was in a car accident on my way home ...
A: The primary insurance liability follows the owner of the vehicle, not the driver, so it is the car ...
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| Girlfriend & Auto Insurance | 5/9/2006 |
Q: I just bought a car for my girlfriend to use (as her only vehicle). My name will be on the title ...
A: Yes, you should disclose her to your insurance as being the primary operator of your vehicle, and ...
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| Diminished Value | 5/7/2006 |
Q: My 2002 Infiniti was rear ended at a stop light. State Farm (other party's insurer) has paid for ...
A: It's doubtful that you get them to pay it. By paying you for repairing the damage to the vehicle, ...
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| types of coverage | 5/3/2006 |
Q: What is the difference between full coverage and liability only. Im asking this in reguards to auto ...
A: Liability only coverage consists of coverage for Bodily Injury (Medical) to others, and for Property ...
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| False Claim | 5/1/2006 |
Q: Is it possible for a person to file an injury claim without providing legitiment documents to their ...
A: Just because you don't have insurance doesn't necessarily mean that you are considered to be liable ...
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| car damage | 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: I'd have to say good luck on this one. Without legal action against the shop, I doubt that you're ...
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| Car Accident | 4/26/2006 |
Q: My question is similar to the one you answered for Sarah on 8/22/05, but with an added twist. My new ...
A: The only way the insurance company will pay more is if the shop can show that there was damage that ...
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| homeowners insurance - Ohio | 4/25/2006 |
Q: Insurance dispute We own a farm in the country. It was vandalized and the vandals took the aluminum ...
A: It sounds like there wasn't any damage to the siding on the second story, so they wouldn't pay for ...
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| storm damage to roof | 4/21/2006 |
Q: My question is: I own a condo where three condo's are under one roof. Due to storm damage a new ...
A: Hmm. Usually as I understand how condominium's are insured, there are two policies covering them. ...
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| info | 4/19/2006 |
Q: Goodday General question.A garbage truck reverses into a yard and does damage to a car. the company ...
A: If when they examined the car, you weren't there, and weren't asked or given an opportunity to ...
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| Accident claim settlement | 4/18/2006 |
Q: Our auto insurance adjuster is offering us a settlement for our vehicle that will not even pay off ...
A: You can usually choose to keep the vehicle and they will pay the salvage value- the actual cash ...
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| HIV and Life Insurance Reinstatment | 3/30/2006 |
Q: In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado ...
A: If the questions are just as you state above, and they do not make an HIV+ an underwriting issue, ...
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| which insurance company should I file with? | 3/29/2006 |
Q: I was recently hit by a driver who ran a red light. There were many witnesses and he was given a ...
A: Yes, you should get reimbursed for your time off and damage to your closes. If you choose to go ...
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| 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: In cases such as this, the seller indeed could be named in the lawsuit, however the primary ...
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| $1 million in major medical coverage?? | 3/22/2006 |
Q: Here's the story...my husband and I don't have health insurance. We own a small cottage rental ...
A: It's been a while since I dealt with health insurance, but as I recall- The 1 Million limit is the ...
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| Insurance company responsibilities | 2/24/2006 |
Q: I am an Ohio resident. I am the claimant in a non-injury collision in West Virginia. The adjuster ...
A: In a total loss, you get the actual cash value (basically market value), which is often less than ...
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| 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 would suggest contracting a lawyer, and discuss with them the merits of taking to them to court ...
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| auto insurance denial | 2/17/2006 |
Q: I purchased a new vehicle in June 2005, for $26,000.00. In August 2005, it was stolen from my ...
A: Slow down and breathe. Yikes, if this is the worst that happens in your life, you'll be lucky. ...
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| lost ins police | 2/3/2006 |
Q: who can contact to ckeck on a person having life /term life police with there being so maney co. out ...
A: There is no central clearing house that I am aware of, that lists all people and what insurance ...
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| husband has gotten an DUI | 2/2/2006 |
Q: Okay, here's the story...my husband just got pulled over for his 3rd dui on jan 29th. He will most ...
A: I'm from Wisconsin too. We don't have mandatory insurance yet, but once your husbands license is ...
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| Totalled Car, I owe more than it's worth. Accident not my fault. | 1/29/2006 |
Q: Recently, I was in a car accident. The other driver ran a stop sign and slammed into the driver side ...
A: Your insurance company will not likely pay off your loan, unless you purchased auto loan/lease gap ...
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| Adding my girlfriend to auto insurance policy | 1/25/2006 |
Q: My girlfriend and I both live in Fort Lauderdale Florida where the insurance rates are high to say ...
A: You probably couldn't add her to your policy,unless you retitle the vehicle in your name. If she ...
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| health and accident insurance choices | 1/21/2006 |
Q: I am a self-employed artist, age 56. Regular health insurance with a $2500 deductible costs me ...
A: The answer is in the fine print of the $92 policy. If you've had it a while, it might be a good ...
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| rear ended in a rental | 1/21/2006 |
Q: I had a dui 3 years ago. I have been in Texas with my family. I have to go to California for ...
A: Your current insurance company should pay for the damage to the car in front of you, but generally ...
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| Hit from behind | 1/9/2006 |
Q: Quick question here for you. My girlfriend was involved in an accident. the car in front of her came ...
A: Yes, your girlfriend is still 100% liable for the accident, as far as I know. I've never heard of ...
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| 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: If the other party is at fault, then the other party would be liability for them generally. I don't ...
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| Auto Accident | 1/3/2006 |
Q: I was driving to work this morning when I came upon several shopping carts in the middle of the road ...
A: I think it's borderline, depending on the speed zone you were driving in. In my opinion, if it was ...
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| Disagreement with adjuster. | 12/31/2005 |
Q: My wife just had a single person accident. In which she was unhurt. The truck is a 04 ram 4 door. ...
A: A vehicle is considered a total loss when the amount to repair it is more (usually) than half of it ...
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| Life Insurance | 12/29/2005 |
Q: Have a situation that concerns a near and dear relative just passing away, and just found out I am ...
A: The proceeds of the policy go to the recorded beneficiary THEY have. I had the exact same thing ...
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| HOW MUCH DOES OTHER PARTY PAY | 12/28/2005 |
Q: I WAS HIT FROM BEHIND OTHER PARTYS INSURANCE IS ONLY ALLOWING 1/2 OF COST BECAUSE I REFUSE TO GO ...
A: It depends on what they were for. If you are talking about paying the difference between their ...
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| Accident w/ 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: If the accident report clearly shows that the other party didn't have on his headlights, that should ...
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| Auto Accident | 12/22/2005 |
Q: I recently had a car accident at all-way stop sign in Minnesota. Truck hit my car in rear passenger ...
A: I would say that yes, you do have a chance. Had you been hit on the front end, that would indicate ...
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| Insured won't file claim | 12/10/2005 |
Q: My daughter was involved in an accident. There was significant damage to her car and it had to be ...
A: Hmm, I agree that doesn't sound right. What if the guy was single and in the hospital in a coma? ...
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| Auto Insurance Claim | 12/7/2005 |
Q: I was in an auto accident 2 weeks ago, and the other person was at fault. The person's insurance ...
A: A total loss is when the amount to repair the vehicle is more than the actual cash value of the ...
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| Insurance coverage question | 12/6/2005 |
Q: I have a question about insurance coverage. I have car insurance through my parents. I have been a ...
A: Now that you are married, and do not reside with your parents, you should get your own auto ...
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| Report/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: Some shops LIKE to get insurance companies involved,as it may mean more money to them. Get three ...
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| coverage for unmarried couples | 11/16/2005 |
Q: Are insurance companies required to cover couples that live together but are not married the same as ...
A: It's pretty much the same there. Legally, a person who just lives with you isn't the same as being ...
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| coverage for unmarried couples | 11/15/2005 |
Q: Are insurance companies required to cover couples that live together but are not married the same as ...
A: No, they are not. This comes under the "Who is an Insured" section of the homeowners policy. An ...
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| When to file a stolen vehicle claim | 11/1/2005 |
Q: Yeah I realized that I had only got a quote for comprehensive insurance, so that is why I added it ...
A: Generally, when you add coverage to a policy, it is added as of 12:01 AM the date after the request. ...
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| When to file a stolen vehicle claim | 11/1/2005 |
Q: My truck was stolen one night recently, and then was recovered the next day. That morning the police ...
A: Getting a quote to add comprehensive coverage isn't the same as actually adding it, so you should ...
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| Diminished Value | 10/5/2005 |
Q: We were involved in a collision that was determined to be the fault of the other driver. Our 2005 ...
A: You can try putting in a claim for diminished value, but good luck- it's very difficult to determine ...
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| Homeowner insurance | 9/29/2005 |
Q: I was without electricity for 8 days. Will my homeowner's insurance coverage pay for the food that ...
A: There are a few different types of homeowners insurance. Depending on whether you have a named ...
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| Out of state of domicile | 9/6/2005 |
Q: But what if she is still licensed in Florida and not California? I'm trying to find out: -Will ...
A: It may not be the company that requires the vehicle to be registered in California, but the state. ...
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| General Liability Insurance Increase | 9/6/2005 |
Q: I have a situation here at my mother's company which I spoke to Warren about and he said you may be ...
A: To answer your first question, as a general rule, with admitted (approved by your state) carriers, ...
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| Out of state of domicile | 9/4/2005 |
Q: Do insurance policies require that you register the car in a new state that you go to? Concrete ...
A: yes, this is something that you need to do. Misprepresentation of a material fact, such as where ...
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| Insurance | 8/25/2005 |
Q: We want to have a shed built by two older men that don't have a company but just do side jobs now ...
A: Your homeowners policy would cover it, however, I would strongly suggest you do a written contract ...
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| Car Accident | 8/22/2005 |
Q: I was in a car accident 4 1/2 months ago. The other party was at fault. The car looked total, ...
A: It probably isn't too late to total out the car,unless you had already signed the papers excepting ...
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| Insurance Claim | 7/29/2005 |
Q: I live in the state of WI and am insured by American Family with my 2003 Chevy Avalanche. I was ...
A: What AmFam is required to do is to make the check payable to both you, and the bank. There is ...
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| Auto Insurance/ Accidents | 7/18/2005 |
Q: I was involved in an auto accident yesterday. I do not have auto insurance and I am not sure if the ...
A: Sorry for the late response. I'm selling my house and moving, nuts. I'm not from California, but ...
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| Can you help shed some light on this? | 7/6/2005 |
Q: I just discovered an unclaimed life insurance policy belonging to my grandmother (deceased), and ...
A: This is rather out of my range, as it involves legal estates, and who is the legal heir to the ...
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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: Truth is, this person could just as easily come back to you 3 months from now, complaining about ...
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| What is owed to me? | 6/10/2005 |
Q: I was involved in a traffic accident, where a Mack truck hit me from behind while I was stopped at a ...
A: It can vary by state, depending on if you are in a no fault state or not. Their insurance should ...
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| No Fault INsurance | 5/20/2005 |
Q: I have a general question regarding health insurance coverage as a result of a motor vehicle ...
A: I've not dealt much with NJ No Fault, but here is how I'm interpreting it- If you didn't have ...
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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: Some of the biggest exposures you have to losing what you have is your auto liability, especially ...
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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: Your biggest exposure is probably auto insurance. I would suggest increasing your limits, and ...
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| car accident - what is their insurance's responsibilities? | 5/16/2005 |
Q: My little sister was in a car accident with a tow truck last Wednesday. The tow truck was totally ...
A: I would suggest she call the insurance company and make a final attempt approach them like this- ...
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| Diminished value | 3/14/2005 |
Q: I am trying to pursue an auto insurance claim for diminished value with another party's insurance ...
A: Tough question. I had the same thing myself, and it's very difficult to get a company to pay more ...
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| auto accident | 2/11/2005 |
Q: Denise, I was involved in an auto accident in which I bumped into a car that was located in front ...
A: I'm not totally certain how it works in Michigan, but it seems to me that each insurance company ...
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| Property liability insurance | 2/10/2005 |
Q: I accidentally damaged property at an office building. Does my homeowner's liability insurance cover ...
A: It depends on what you were doing. If you were running your own cleaning company for example, and ...
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| flood insurance | 2/1/2005 |
Q: I live in houston, tx. I am about to close on a manufactured home. Even though my property according ...
A: I would check with some other lenders. You'll need to get your flood map key and zones from your ...
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| major medical insurance | 1/20/2005 |
Q: My wife and I are both 58 and retired from Indiana public schools and living full-time in Florida. ...
A: It sounds like whomever they placed coverage with is a small time carrier. I think you have some ...
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| insurance claim for hurricane charley.. | 1/19/2005 |
Q: I have a question that I hope you can answer. We purchased a home last march and financed about ...
A: What an ugly situation. I don't have too many suggestions, other than to see if you have a state ...
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| insurance report | 12/29/2004 |
Q: i need an insurance report that speaks about insurance for example insurance products and the other ...
A: Looks like you need to do some research for a paper. I would start by searching the internet under ...
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| Auto Collision | 12/26/2004 |
Q: 2 weeks ago my vacant car was parked off road. A distracted driver smashed into my car causing ...
A: Your auto insurance policies doesn't provide replacement cost coverage, although you may have the ...
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| hemochromatosis and life insurance den | 12/8/2004 |
Q: Here's a shot in the dark, but I thought you might be able to offer me some insight. I have ...
A: There are, from the perspective of life insurance companies, many malady's that appear treatable, ...
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| home owners insurance | 12/7/2004 |
Q: Me and my two brothers are listed as owners in the deed for our birth home. (Our parents are long ...
A: You do have an insurable interest in the home, from a physical damage standpoint (if it burned down, ...
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| auto injury claim | 11/5/2004 |
Q: I was invovled in an auto accident in which I was injured-broken sternum. Other driver was fine and ...
A: I don't know of any "rule of thumb" measurement- that's more of an attorney thing. What you've ...
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| Insurance | 10/29/2004 |
Q: I live in Indiana and my 26 yrs old son had a wreck. A school bus pulled out in front of him and he ...
A: It sounds like the reason that they would want to non-renew your son is that he is a drug user. ...
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| auto insurance | 10/25/2004 |
Q: My question is actually about auto insurance. Mine has been cancelled. I have had insurance with ...
A: The company send you a billing notice to the address you have on file with them. If you move or pay ...
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| Independent Agent | 10/14/2004 |
Q: What's the best way that one can become an independent insurance agent today? I used to sell a ...
A: It can be a considerable investment for a company to train an agent, so there may not be that many ...
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| homeowners insurance | 10/12/2004 |
Q: We had a hail storm on 6/30/04. I have property that was damaged. I am afraid that if I file a ...
A: Having a claim can affect your rate. I don't know of a time limit, but if you're planning on making ...
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| Boat Insurance Claim | 10/8/2004 |
Q: I was away on holiday and my boat sank even though it was moored in a marina berth . The boat was ...
A: Sorry it took me so long to get back to you. That sounds pretty bogus to me. I used to be a marine ...
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| What can I do to help? | 9/29/2004 |
Q: I am very frustrated and dismayed by my friends Father's Insurance company. On August 29, 2004 my ...
A: The bodily injury and property damage on the policy pay for damage the girl caused OTHERS, not for ...
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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: No, not if you've already been paid for your theft loss. If you haven't, then the company will ...
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| Teen auto insurance | 9/10/2004 |
Q: Does the state of New Mexico require by law that a teenage driver be added to the insurance policy ...
A: I don't know whether your state requires it, but most insurance companies require to know all about ...
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| Keeping insurance after divorce... | 9/6/2004 |
Q: I want to know if my soon to be exhusband can be required to continue to pay health insurance ...
A: This is something you should talk to your divorce attorney about. If you don't have one, you need ...
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| insurance fraud | 9/1/2004 |
Q: Is it legal to have more than one fire, and theft policy on the same propert through two ...
A: You might think you're getting better coverage that way, but you are not. The terms of the contract ...
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| Auto Insurance | 8/25/2004 |
Q: Is it illegal to deny ins. to someone who has coverage with a co. then are deployed oversees with US ...
A: Depends on a lot of things. If you're keeping your coverage with the same carrier, they will ...
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| inurance | 8/15/2004 |
Q: do you consider inusrance a form of gambling also does some insurance have interest in them i if so ...
A: Insurance isn't gambling, it's paying money to prevent being hurt by some unforseen catastrophe. If ...
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| Dodge Truck struck by lightning | 8/12/2004 |
Q: I own a 2004 Dodge Ram 1500 that I bought several months ago. The truck was struck by lightning ...
A: Boy, that is a tough one, I think you're likely stuck. I would insist they replace all the wiring. ...
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| Mandatory placement on auto insurance? | 7/30/2004 |
Q: This is quite dated, but I didn't see the link/response to my last comments, and just found it now ...
A: Depending how far she is in the proceedings (ie, is the divorce final or not), she may be able to ...
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| i was hit form behind by a... | 7/26/2004 |
Q: i was hit form behind by a truck in new york state and at the time my policy where i was the ...
A: What a mess. NY state isn't my home state, but what I recall, is that they are absolutely rabid ...
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| NJ Auto | 7/25/2004 |
Q: My son was driving on a highway behind a tractor trailer. The rear axel came off the truck. My son ...
A: If your son can identify the truck company, he might be able to prove that he wasn't at fault. If ...
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| TORCHING VS BURNING | 7/22/2004 |
Q: In an agreement, clause says the insur company won't pay if car was torched. Car was stolen, ...
A: Joseph- The insurance contract itself does not use the word "torch". If you have one that uses that ...
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| hi | 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: I'm not certain of the actual terms you reference, the 2-20 and 4-40, my guess is that they may be ...
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| Auto Insurance Claim | 7/14/2004 |
Q: I recently had a roll over accident and totalled my 2002 truck. I had full health and wage coverage ...
A: By "full health and wage coverage" what exactly are you referring to? If you are referring to the ...
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| Homeowners liability | 7/7/2004 |
Q: My nephew broke his arm on a swingset at the home of a friend. His moms health insurance company ...
A: Trampolines are inherently much more dangerous than swingsets, so it's not unusual that they would ...
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