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| Subject | Date Asked |
| adding a driver | 1/27/2012 |
| Q: can a driver be added to my policy just by the audits the insurance companies do on who shows up at ... A: Well, yes. If there is another person in your household, the insurance company knows that that ... | |
| car fender bender | 1/15/2012 |
| Q: I really need some advice here and hope you can help. My son, (he's 19)was turning right in a ... A: Well, first I would make a complaint to the police department there. That would seem to be an ... | |
| Tire Blowout Insurance Claim? | 1/5/2012 |
| Q: About a month or two ago, my boyfriend and I were in his car driving down the highway at the speed ... A: The 100,000 your boyfriend is referring to is for damage that the vehicle could do to another ... | |
| towing | 12/28/2011 |
| Q: I recently skidded and ran into a ditch during a snow storm. I had no cell service so I got a lift ... A: I'm not an attorney, nor from North Carolina. If your vehicle was a safety hazard, the police could ... | |
| Storage damage and lost of items | 12/18/2011 |
| Q: A company came and box my belongings and they placed at their storage facility in Oakland, I paid ... A: I'm pretty certain that in the fine print of your storage facility agreement, it states that they ... | |
| is an adult child covered if not listed on auto policy? | 12/8/2011 |
| Q: i live in nj and i am wondering is my adult child(son 18) living in the same home(at home)with me, ... A: If he is to be a regular operator of your vehicles, you should declare him on one vehicle, perhaps ... | |
| Uninsured Adult Child | 11/14/2011 |
| Q: My 24 year old daughter lives with us, has her own car and has let her insurance lapse. The DMV has ... A: Under the terms of the auto insurance contract, any resident family member is considered an insured, ... | |
| Son hit Domino's Pizza sign in road | 11/2/2011 |
| Q: My son hit a Domino's Pizza sign lying in the road.(The one you see on tops of cars) The car in ... A: While technically, this may be a road hazard, I do think that you may want to contact your local ... | |
| Stolen car in texas | 10/27/2011 |
| Q: Someone broke in to my truck and hot wired the ignition and stole the vehicle. It is a 2005 dodge ... A: I can give you a general idea, but this can vary by state and by company. Usually if the vehicle is ... | |
| Homeowner's bad faith issue | 10/21/2011 |
| Q: Water damage from a sudden on-set which traveled down through two floors into the subflooring and ... A: I'm not an expert in mold issues at all, sorry. I do know that some companies instituted mold ... | |
| MVA insurance lapse and Maryland State Law | 10/8/2011 |
| Q: Today I received a letter about MVA insurance lapse default. I am confused about this as I have not ... A: I get very frequent questions like this, and unfortunately, I don't have an answer for you. I'm not ... | |
| Parking Lot Spikes | 9/15/2011 |
| Q: Our company (in Maryland) is thinking about putting in the parking lot spikes that would prevent ... A: I am not an attorney, nor am I from Virginia. Much of this would depend on Virginia law, and a ... | |
| stolen ecovered car | 9/2/2011 |
| Q: my car was stolen. When my agent went to file paperwork for loss after a month, it was found. My ... A: You shouldn't be held liable for any damages during the time it was out of your possession. I don't ... | |
| pitbull and renting a home | 8/29/2011 |
| Q: i have a family of 4 and keep getting turned down from home owners saying they can't rent to me ... A: I'm not an attorney, nor from California. The area of law you need advice on is regarding landlord ... | |
| Homeowners non-renewal | 8/18/2011 |
| Q: We just got a notice of non-renewal on our homeowner's policy by Farm Bureau, with whom we've been ... A: You can certainly inquire to the agent as to what specifically needs to be repaired or cleaned up. ... | |
| repairs to boa being called fixed to "pre-loss condition" | 8/3/2011 |
| Q: My boat was covered tightly for 8 months. 2 cats got in and had 3 more. There was approx. 4 gallons ... A: I'm amazed your policy covers damage by vermin. That is what wild cat's are- vermin. If the boat ... | |
| Gave permission to a relative to drive my car - is he/she covered under my automobile insurance policy? | 8/1/2011 |
| Q: I gave permission to a relative to drive my car. She was involved in an accident in California. We ... A: Since this was YOUR vehicle, whether or not she had insurance doesn't matter at all. You are the ... | |
| MVA Insurance Lapse Default | 8/1/2011 |
| Q: I'm station here in Fort Sam Houston for schooling (navy), my wife received a letter from State of ... A: Since you are in the military, you may have a better chance of resolving this by taking this to your ... | |
| "hit and run" | 7/28/2011 |
| Q: The scratch was only 3 inches long, i measured. The driver was not present, i contacted the police ... A: Your insurance company stating they will not pay for the damage you caused because in happened on ... | |
| Am I responsible for my adult child's insurance copays? | 7/24/2011 |
| Q: My child is 25 and I recently added her to our health insurance plan under the new law. Shortly ... A: I wish I could be the expert you need on this issue. Due to the change in law, plus the fact that ... | |
| Tree limb Accident | 7/21/2011 |
| Q: My neighbor hired a man to cut down tree limbs which hanging over on my property. The man was on a ... A: I don't see how you can be held liable. That doesn't mean they can't try to sue, but it sounds like ... | |
| Auto Ins. Policy | 7/17/2011 |
| Q: Auto Insurance in which the insurance company owes insured return costs etc.? My sister bought two ... A: I can see that you are entitled to a return of premium for the entire time period you were insured, ... | |
| Coverage on an accident if my boyfriend was driving and he is not listed on my policy in California | 7/13/2011 |
| Q: My boyfriend is temporarily staying with me to help out with a medical condition that has me out of ... A: Unless you had a special endorsement that doesn't usually stand up in court, you are covered for ... | |
| Merging | 7/12/2011 |
| Q: Question for you. I was traveling on a 2 lane road. There was a semi in the left lane and I was in ... A: Unless you had someone witness the improper move by the semi, you are probably screwed. The proper ... | |
| wind damage | 7/1/2011 |
| Q: I was sitting on the lot of Walmart and getting ready to get out of my truck, when a storm arose. I ... A: To be blunt, suck it up. I'm not an attorney, but the general decision on such things is that you ... | |
| Car Stolen/Total Loss | 6/23/2011 |
| Q: My husband's car was stolen, I am now dealing with Geico for payoff on vehicle. They sent me a ... A: I'm not an attorney, and you may want to consult one on this. One question is whether there is an ... | |
| Insurance for property and boats owned by an llc | 6/20/2011 |
| Q: I am a member of an LLC, there are 12 principle members, we want to put a lake cabin and 3 boats in ... A: Yes, this is possible. You can try Markel American, in Wisconsin. I worked for them years ago as ... | |
| Agent is not making changes on policy | 5/19/2011 |
| Q: I am having a problem with my insurance agency making changes on my policy. I recently moved and I ... A: You could try calling Nationwide directly, but if the agent isn't being of service, you might have ... | |
| Small Claim Suit for Chipped Tooth | 5/6/2011 |
| Q: Approximately 1 year ago my 15 yr old son accidentally chipped the tooth of his friend's younger ... A: I'm not an attorney, but I would be interested to know how it turns out. I would find it hard to ... | |
| Fire Loss Insurance Co. actions maybe n "Bad Faith" | 5/5/2011 |
| Q: I will do my best to be as short and 2 the point as possible, however I feel all details r necessary ... A: Probably the best way to go about this now would be to submit a written complaint to your state's ... | |
| coverage | 4/29/2011 |
| Q: We have a renters insurance policy. We moved into another home recently, we call State Farm to let ... A: You could try making an errors and ommissions claim, but you would have been offered the coverage ... | |
| Help | 4/27/2011 |
| Q: Got hit driving with no licences by a truck doing a uturn in a two lane hi way. He takes all fault ... A: I'm not aware of any state law that says a driver isn't liable for damages they cause to an ... | |
| Vehicle accident liability | 4/13/2011 |
| Q: I was involved in a vehicle accident and the other driver was determined to be at fault for an ... A: I'm not an attorney, nor from California, so I can't say for certain as to your first question. It ... | |
| Auto Insurance Fraud Possibility | 4/10/2011 |
| Q: I recently was informed by my auto insurer, Geico, that a claim had been submitted on my policy for ... A: You might try contacting the police department where the report was filed, get a copy of the report, ... | |
| Condo ice/water damage | 4/3/2011 |
| Q: On 1/19/11 had severe ice/water damage to interior walls, ceilings,carpets etc. My condo homeowners ... A: Once you submit the appraisal, they will review it. If the numbers seem in line, they may allow you ... | |
| Health Insurance Premium Question | 3/28/2011 |
| Q: If a company wants to make a change in the premium amounts that employees pay for medical/dental, ... A: Generally, changes like that are done at the enrollment period at the beginning of the new year. ... | |
| My Dad's Insurance & Towing Debaucle | 3/9/2011 |
| Q: I am at my wit's end with my Dad! In October 2010, while in New York, his car was stolen off the ... A: He should make an insurance department complaint. He'll probably have to do it in writing. There ... | |
| Life Insurance Claim Being Denied | 3/9/2011 |
| Q: My husband died two months ago from an upper G/I bleed due to alcoholism. He was not functioning ... A: Wow, that is awesome! If there was indeed, a past history of them accepting the payment after the ... | |
| South Carolina | 3/2/2011 |
| Q: I have a question, I live in South Carolina. I have 2 cars that I have on my policy. I was backing ... A: Tena, I'll try to dig up up wording of the auto policy on my day off. My gut reading is they are ... | |
| car plowed into my fence while sleeping | 2/19/2011 |
| Q: my quick synopsis: jan.14th middle of nite, car plowed thru my fence landed in my yard 5 ft from my ... A: If the car was determined to be stolen, it would be hard to prove that it was not. I'm afraid you ... | |
| vehicle damage at walmart | 2/18/2011 |
| Q: Suprisingly walmarts in house adjuster finds no negligence on their part for stray shopping carts ... A: The way it looks, as far as I understand it, is that since you chose to park there, you take the ... | |
| What do I do? House damaged by Snow | 2/15/2011 |
| Q: Good Day Denise. Our home needs help. My wife and I are contacting you for your professional ... A: First of all, get out the actual documentation of your insurance policy. Not just the policy page, ... | |
| Who is responsible for damages to my car? | 2/6/2011 |
| Q: John Smith was driving Mary Jones' car. John Smith hit my car which is legally parked on the street ... A: It sounds to me from what you are saying that Mary Jones sold her car to John Smith. If that is the ... | |
| rear end collision | 2/3/2011 |
| Q: If i dont have insurance,does that effect my chances of pursuing a lawsuit against a driver that ... A: Well, you don't have an attorney, fighting to recover for you. You have to do it on your own. ... | |
| accident? | 2/1/2011 |
| Q: In car A the person looks over the right shoulder and sees no car coming, they then look over the ... A: Localities handle parking lot accidents in different ways. Generally, the person backing up has more ... | |
| I got rear ended and insurance is refusing to pay for it | 1/28/2011 |
| Q: I'm in Oklahoma. My dad rear-ended my car. Right after the wreck, he called up the insurance office ... A: I'm not sure about the technicality about your own insurance, but it sounds to me like you may have ... | |
| I got rear ended and insurance is refusing to pay for it | 1/27/2011 |
| Q: I'm in Oklahoma. My dad rear-ended my car. Right after the wreck, he called up the insurance office ... A: First, who owns the vehicle? If your dad does, then he owns the vehicle and the policy. That being ... | |
| Who is responsible for damages to my car? | 1/23/2011 |
| Q: John Smith was driving Mary Jones' car. John Smith hit my car which is legally parked on the street ... A: The first responsibility for damage to a car comes down to the owner of the vehicle. Two choices- ... | |
| False Driving Report | 1/15/2011 |
| Q: My car ins. co. checked my rpt. to see about lowering my ins. rates. They found that my ex husband ... A: Yes- You can threaten to provide them some documentation- a copy of your divorce decree, and a ... | |
| MD MVA INS Lapse | 1/5/2011 |
| Q: I just received a notice frm the State of Maryland CCU stating I owed $4045.86. It reads MVA Ins ... A: I'm not an attorney, nor from Maryland, but I've gotten questions on this before. I would suggest ... | |
| dwi | 12/30/2010 |
| Q: Re: a DWI car accident with no other car involved: Will NYS no fault insurance deny coverage for ... A: I'm not an attorney, nor from New York State. With No Fault coverage, it all depends on the coverage ... | |
| Insurance | 12/28/2010 |
| Q: I was recently unemployed and needed to leave the safety of my COBRA insurance. I have a friend ... A: I hope you saved your documentation as to the plan you signed up for. If you did, then you should ... | |
| Parallel Parking Scratches | 12/28/2010 |
| Q: Today I was parallel parking and made contact with the car in front of mine -- his back left, my ... A: The honest thing to do would be to take care of the damage. It would depend on your state's laws, ... | |
| Collision in private retail parking lot | 12/14/2010 |
| Q: My son was at the end of a parking lot aisle, waiting to turn right from that aisle, but changed his ... A: I would put far more fault on your son than the other driver. Any driver backing up is at fault to ... | |
| Tree fell on my truck | 12/12/2010 |
| Q: A couple years ago a drunk driver totaled my truck (perfect condition before). I bought it back and ... A: Some basics about insurance- If you own a car, you choose the kind of coverage you want (and pay ... | |
| neighbor tree fell on my car | 12/11/2010 |
| Q: In October of 2010, 8ft. of my neighbors tree fell. The rest of the tree was leaning over into my ... A: Sue their ass. There is no such thing as dead on the inside and alive outside. From what they are ... | |
| reconditioned parts | 12/10/2010 |
| Q: I was recently the victim of a hit and run. So my claim went under the uninsured motorist claim. I ... A: I'm not an attorney, nor from the state of Maryland. The essence of the auto policy is to make what ... | |
| Insurance declined coverage | 12/4/2010 |
| Q: I was involved in an accedint in california. I was not at fault. The other drivers insurance sent me ... A: The issue is whether coverage under that person's policy was in force, or not, at the time of the ... | |
| parking lots laws | 11/28/2010 |
| Q: i was in a parking lot waiting to get gas when a stall open up so i was backing up and hit a car ... A: If she has two estimates, and one was for $1100, and the other was for $999, it would seem fair to ... | |
| collision | 11/27/2010 |
| Q: I was backing up on a street when another driver backed out of his driveway. My back bumper collided ... A: You are both at fault, I'd probably say 50/50. You were at fault maybe a little more than he was, ... | |
| SHort term benefits and other benefit | 11/26/2010 |
| Q: and returned back to work, and became sick. Would they still qualify for work related benefits. In ... A: I didn't deal much with Social Security, but if you were working and didn't notify them, then it is ... | |
| parking lots laws | 11/23/2010 |
| Q: i was in a parking lot waiting to get gas when a stall open up so i was backing up and hit a car ... A: Here in the US, it is the person who is backing up that is considered to be more at fault in a ... | |
| gas station | 11/21/2010 |
| Q: I was pulling my truck up to a gas pump and a little girl ran infront of me, to avoid hitting her I ... A: The easiest thing to do is to find out how much it costs to pay for the damage you caused, and if ... | |
| Accidental death Benifite | 11/19/2010 |
| Q: My brother passed away on Mothersday of this year(May). He had been walking home after having ... A: I would definately fight this- make a written insurance department complaint. The thing is though, ... | |
| Accidental death Benifite | 11/18/2010 |
| Q: My brother passed away on Mothersday of this year(May). He had been walking home after having ... A: You don't state who you put the claim in on. If he had his own life insurance policy, I can't see ... | |
| T-boned | 11/14/2010 |
| Q: I was reversing out on a country lane at night, had just stopped to turn and a guy speeded into the ... A: I'm not from the UK. In the US, if you have the appropriate coverage, the policy will pay actual ... | |
| Insuring non US citizens on a car | 11/10/2010 |
| Q: Myself and two friends from the UK are coming to the US in December to go travelling, we are ... A: If you have permission to drive her vehicle, and she isn't charging you anything for it, her policy ... | |
| car insurance | 11/9/2010 |
| Q: My car was parked outside and someone hit the car door he accept responsibility but i dont have ... A: I'm not from Ireland, but if they are at fault, their insurance should pay. Sorry I can't be of ... | |
| Insurance law Question | 11/7/2010 |
| Q: I was hit by a state bus in my car and I don't have insurance. Will they still pay to have my car ... A: If the other party was at fault, they are still liable for the damage they caused you. You may have ... | |
| stolen car | 11/5/2010 |
| Q: My car was stolen from my drive way. I called the police as soon as i noticed it. Basically it was ... A: Claim investigations on thefts do take some time, but I doubt you will receive a lot of money for ... | |
| total loss | 11/3/2010 |
| Q: My 1998 Nissan pathfinder was deemed a total loss by farmers insurance company after being caught in ... A: This gets into an area of claim settlement that gets very fuzzy, as salvage values vary. I would ... | |
| Maryland MVA Insurance Lapse | 11/2/2010 |
| Q: A few days ago I got a notice from Maryland's Central Collection Agency saying I owed the state 5003 ... A: I'm not from Maryland, but I've heard a number of complaint through the years like yours. You have ... | |
| Boat insurance claim | 10/30/2010 |
| Q: I have a 2005 33 ft formula that I kept in mint condition over the years. This past may my neighbors ... A: I doubt whether you would get a judge to award you for your loss of the boats use, but with a good ... | |
| Liability | 10/29/2010 |
| Q: I was involved in a three car accident. A white truck stalled in the middle of the highway causing ... A: At this point you could go either way. Since the police report states the other driver behind you ... | |
| Tree fail on my car | 10/29/2010 |
| Q: Like a month ago I was at a friends house and part of a tree fail on my car. The insurance company ... A: You can try to sue your friends homeowners insurance, but a limb falling from a tree is often an Act ... | |
| 3 car freeway fender-bender | 10/28/2010 |
| Q: Who does the california law determine is at fault in this situation: The freeway came to a halt. I ... A: I'm not an attorney, nor from California. It would seem to me that the driver of the car that hit ... | |
| Insurance Law | 10/24/2010 |
| Q: how can i dispute a insuranse decision that was made against me after an accident that i was carried ... A: I would suggest contacting the witness, and go to the police station. That, and or consult an ... | |
| shopping center car accident | 10/20/2010 |
| Q: I was entering a shopping center in Florida and stopped when I reached the intersection, despite not ... A: Since they were behind you, and it was a parking lot, a prudent person would wait until it was safe ... | |
| Intersection Car Accident | 10/15/2010 |
| Q: I was in a car accident last Friday where I was driving down a 5 lane road and came to and ... A: If both sides had the green light, then the person turning against traffic would be at fault. ... | |
| liability accident | 10/14/2010 |
| Q: i was involved in an auto accident yesterday. I was stopped at a stop sign facing a major road. the ... A: You are probabaly going to be considered at fault, since you had the stop sign, and she had the ... | |
| NYC taxi insurance | 10/14/2010 |
| Q: I was rear ended by a yellow cab in NYC about a week ago, and it was found to be his fault ... A: I'm not an attorney, nor from New York. You may have to sue them in small claims court, or get an ... | |
| Liability insurance audit outdated information | 10/14/2010 |
| Q: Today I got a paper stating that my business was going to be audited for liability. My insurance ... A: The terms of the policy state that you have to accurately represent your totals to get an accurate ... | |
| policy owner borrowing from policy | 10/12/2010 |
| Q: Through a divorce settled out of court, at ex-wife request to remain 1st benefiiary of 50,000 life ... A: No, I don't think he can borrow from it, as loans on the policy reduce the death benefit. I would be ... | |
| HO-3 or HO-6? | 10/1/2010 |
| Q: About a year and a half ago, I purchased a unit in a development where each building has 4 units. ... A: It doesn't sound to me at all like your unit should be under an HO-3 policy, if the HO association ... | |
| totaled new car with 4,400 miles | 9/29/2010 |
| Q: I don't have gap insurance, and hydroplaned yesterday on a route that I drive every 28 days for 5 ... A: I don't live in your state, but I've never heard of anything that states that a new car under a ... | |
| Stolen Truck Questions | 9/28/2010 |
| Q: Denise, my husbands truck was stolen 9/26/08 from a movie parking lot. We were still paying for the ... A: You could try making a written complaint to your state's insurance commissioners office. There is ... | |
| Excluded Driver | 9/25/2010 |
| Q: Here's the situation I was listed as an excluded driver on my fathers policy without prior ... A: If you purchased a car, and put it into your fathers name, it's an indication to me that you may ... | |
| Unemployment Overpayments???? | 9/21/2010 |
| Q: My husband has been laid off for over 2 years now, he was collecting unemployment up until recently. ... A: This is an area of insurance I've never worked with, since it is a government program. Sounds wrong ... | |
| scooter in alaska | 9/15/2010 |
| Q: I just got a scooter in Alaska, even though I live in Louisiana. I was visiting there and was going ... A: You should go to court. If you play dumb, and show that you now have insurance on the scooter, ... | |
| I was rear ended in a parking lot but, I didn't use a turn signal | 9/14/2010 |
| Q: I was scanning the parking lot looking for a spot and picked and aisle to drive down to grab a ... A: You may have a small factor of negligence, however one needs to use more due care in a parking lot ... | |
| Car insurance for under 18 | 9/8/2010 |
| Q: We were recommended not to add our 17 year old licensed son in our existing 3 car insurance policy, ... A: Whoever gave you this advise is WRONG, in the long term, and possibly the short term. For example, ... | |
| water damage in condo...Illnois | 9/8/2010 |
| Q: I have water damage in my kitchen and bathroom that was a result of a common water pipe leak (sink ... A: This is out of my area of expertise. This all depends on the powers that the condo owners award to ... | |
| Motorcycle Accident - Who is Liable? | 9/7/2010 |
| Q: I was riding my bike down the road when a car pulled out in front of me to make a left hand turn. I ... A: It depends on a lot of things. If you take this person to small claims court, is this person ... | |
| HIT AND RUN CAR ACCIDENT | 9/6/2010 |
| Q: Hy Denise: my question is this, I rencently rented a car from enterprise as "no other authorized ... A: That is a tricky question. A lot depends on the version of the auto policy that you have with your ... | |
| Motorcycle Accident - Who is Liable? | 9/2/2010 |
| Q: I was riding my bike down the road when a car pulled out in front of me to make a left hand turn. I ... A: If there wasn't any contact, and if there were no witnesses, you probably wouldn't have much of a ... | |
| Auto Insurance Policy canceled due to non-payment | 8/31/2010 |
| Q: Due to a construction, we missed some important mails including auto insurance statement(s), and ... A: There isn't any automatic reinstatement option on auto policies, in fact, once it has cancelled for ... | |
| Parking lot policy | 8/30/2010 |
| Q: My apartment complex in Austin, TX have parking spots dedicated to small cars only (labeled on ... A: I dpubt that you would have any recourse against them. It is your option to park there, but you ... | |
| cracked slab and broken drain pipe | 8/26/2010 |
| Q: I have a concrete slab foundation home. At one corner (Kitchen) the foundation has cracked and ... A: I'm not an engineer. The one thing I can say is that the insurance company will look for evidence ... | |
| They cancelled my husband. | 8/25/2010 |
| Q: My husband has had life insurance thru the navy for 21 years. He retired 1 yr, 4 mons ago and ... A: I don't know what documentation that you have showing you submitted the information, but it sounds ... | |
| Renters insurance | 8/23/2010 |
| Q: We recently had damage to out rental apartment due to fire in a neighboring building. The insurance ... A: If you didn't follow the required reporting, I'm sorry, you are limited to what the policy provides. ... | |
| storm termination | 8/21/2010 |
| Q: We were recently hit by a hail and wind storm. The insurer paid on the claim but sent us a ... A: I would suggest looking at the time of the claim versus the renewal date. If they are within what ... | |
| Homeowners claim | 8/21/2010 |
| Q: We had storm damage on June 25, the insurance sent out a adjuster, we were asked to get a estimate ... A: I suggest in this case, first, document all your damages. Look and document closely with photos the ... | |
| Car Accident | 8/20/2010 |
| Q: I was in an accident about 2 months ago by a guy driving a rental car from NJ in an Enterprise car ... A: My first response is that you are probably screwed. If you didn't purchase insurance for your car ... | |
| Maryland Auto Insurance Lapse Notice - 12 years later! | 8/18/2010 |
| Q: I recently received a notice from the MD MVA auto insurance compliance division requesting that I ... A: Thoughy I'd answered this already. I'm not from Maryland, thank God. They must be very desperate ... | |
| Negligent Act | 8/11/2010 |
| Q: My nephew had a fire at his house yesterday. Although there was considerable damage nobody was hurt. ... A: Looking at the basic HO3 policy form, I do not see any exclusion for fire loss caused by illegal ... | |
| vehicle value for settlement | 8/10/2010 |
| Q: I was in an accident and my car was totaled. I live in Arizona. The insurance company wants to give ... A: These would be questions best asked to the attorney representing you, as it would involve case law ... | |
| no fault car accident. | 8/9/2010 |
| Q: my minivan (2009 dodge caravan) was parked and a tree fell and brushed up against it causing minimal ... A: Loss of value isn't something that is covered under the standard auto policy. I haven't heard to ... | |
| vehicle value for settlement | 8/9/2010 |
| Q: I was in an accident and my car was totaled. I live in Arizona. The insurance company wants to give ... A: The auto policy is only going to pay actual cash value- like market value, minus depreciation for ... | |
| roof fell on car | 8/8/2010 |
| Q: My next door neighbours roof frll on car. it's comlete smashed back. my car insurnce won't cover it ... A: I'm not from the UK, but if you did not insure your vehicle against physical damage risks, then you ... | |
| Ins says guy in back of truck is half liable | 8/5/2010 |
| Q: Someone pulled out in front of me causing me to "tbone" him. He was stopped and a guy jumped in the ... A: I don't see how the passenger can be legally liable either. Liability comes from the driver. Were ... | |
| Locating Insurance Information | 8/3/2010 |
| Q: I was recently watching a documentary by Michael Moore entitled Capitalism. He mentioned a family ... A: This type of insurance would be called "Key Person" insurance. The business purchases the ... | |
| Auto insured by me but in my daughters name | 8/1/2010 |
| Q: My Daughter gave my wife her car about 2 years ago. But she never had the pink slip so we could.nt ... A: You may have a real problem here, since the car is not YOUR owned auto, but your daughter's. Not to ... | |
| Locating Insurance Information | 7/30/2010 |
| Q: I was recently watching a documentary by Michael Moore entitled Capitalism. He mentioned a family ... A: If a person was the legal representative of the estate, and could prove it, I would think that the ... | |
| claim for concrete repair around pool | 7/30/2010 |
| Q: Had a pool built at my home about 6 years ago. The dirt which was removed from where the pool was to ... A: I'm not an attorney, but it seems that you have a faulty workmanship issue, which relates to earth ... | |
| Homeowners insurance | 7/26/2010 |
| Q: We have had state farm for about 20 years and we decided to insure our home as well with them in ... A: Here is what I'm getting, what would have cost you $125 or more at your local attorney. If you can ... | |
| Rear end collision | 7/23/2010 |
| Q: Denise, Hello, I was recently hit from the rear driving in heavy LA traffic. The speed was less ... A: I'm not an attorney, nor from your state. The intent of the auto policy is not to compensate you ... | |
| Road Hazards | 7/22/2010 |
| Q: I was riding my motorcycle and hit a chunk of concrete that had dislodged from the road and laid ... A: Bad day, needed that. :) No, you don't have any claim. It's called a road hazard. I ride too, ... | |
| Water damage check - house foreclosed | 7/21/2010 |
| Q: My bank refused to sign the checks to get the water damage repaired. I hung onto the checks as I ... A: This is out of my area of expertise. I would say, that if I were an attorney, and if you were to ... | |
| Youth Auto Insurance Rating | 7/21/2010 |
| Q: We have two sons who each had a car to drive. One car quit and will not be repaired so they must ... A: Experience with dealing with claims from youthful operators has made companies go to this approach ... | |
| Water bill shared | 7/16/2010 |
| Q: During writing a lease, a water bill was shared with a studio appartment and a home. The tenant has ... A: First of all, I AM NOT AN ATTORNEY. That being said, yes, if you didn't include in the lease that ... | |
| home condo townhouse insurance | 7/14/2010 |
| Q: We recently were sent a letter of assessment from our condo corporation. I was told by my after ... A: I'm not from Canada, but here in the US, Error's and Ommissions is more involved with the initial ... | |
| Health Insurance Missed Quote | 7/13/2010 |
| Q: About 3 months ago I needed to get an abdominal ultrasound and found a service provider that was ... A: They are a big carrier. OK to all those being shafted, first of all, get the name, time and date of ... | |
| home condo townhouse insurance | 7/12/2010 |
| Q: We recently were sent a letter of assessment from our condo corporation. I was told by my after ... A: I'm sorry, that isn't the way it works. First, was the cause of the assessment a covered cause of ... | |
| home condo townhouse insurance | 7/10/2010 |
| Q: We recently were sent a letter of assessment from our condo corporation. I was told by my after ... A: I would get out your condo insurance policy, and look under the fine print under the coverage for ... | |
| Rear-ended by a Rental Car | 7/8/2010 |
| Q: My boyfriend was driving home on the Interstate in typical stop and go traffic. While stopped in ... A: I wasn't aware a car rental company was responsible for uninsured auto damages. As I understand it, ... | |
| Suege backup | 7/6/2010 |
| Q: I have a rental property with the tenant running a personal care home. I have an apartment in the ... A: If you didn't purchase backup of sewer & drain coverage, your only option is to make claim against ... | |
| unlicensed driver | 7/2/2010 |
| Q: my husband has a suspended license and was involved in a car accident. The woman woman was backing ... A: I'm not from Oklahoma, first of all, and not an attorney. I'm not aware of whether there are ... | |
| someones car caught my house on fire | 7/2/2010 |
| Q: I work for a lady with parkinsons,in the last 2 years she has only had her car serviced 2times oil ... A: First of all, you should have had homeowners insurance. By not having it, you are choosing to self ... | |
| rear ended | 6/28/2010 |
| Q: My husband was at a intersection stop behind another car when a car behind me ran into me. he took ... A: Perhaps your husband didn't go to court to argue his case. That is all I can think of. Maybe I'm ... | |
| truck caught fire | 6/28/2010 |
| Q: My husband is a trk driver and we own the trk and we have liabilty insurance. What happened the ... A: Well, you apparently haven't purchased coverage for your vehicle. I don't see how the landowner is ... | |
| Increase in Auto Insurance Premium | 6/27/2010 |
| Q: 2/24/10, had an accident in the complex in which I,ve lived for seven yrs.Due to a severe snow storm ... A: They didn't increase you more than 25%, which is the threshold in many states. You can check to see ... | |
| Hit car in parking lot | 6/25/2010 |
| Q: The vehicle was parked where there was a cement light post so was really not a full spot and was ... A: What I know about Michigan insurance I've heard from other people from Michigan answering questions. ... | |
| Homeowner Liability | 6/25/2010 |
| Q: In February, my 15 year old daughter went to spend the night at a friends’. The parents were ... A: I don't see that is the intent of coverage under the homeowners policy, but with attorneys and ... | |
| Water damage in condo | 6/23/2010 |
| Q: I live in a condominium in Madison, WI. Every year our association arranges for a company to do ... A: I'm not an attorney, but I think you may have good grounds for placing this damage to the ... | |
| Who covers child on auto insurance? | 6/23/2010 |
| Q: My stepson will be getting his license soon. The question of who needs to cover him on an auto ... A: Whichever parent has primary placement of the child is the one that should have the auto insurance, ... | |
| please help | 6/21/2010 |
| Q: hope you can help me with my question as i am from the united kingdom. basically i rented a car ... A: I'm not from the UK, so can't advise you much on what laws apply there. In the US, it all comes ... | |
| Unprotected Left Turn | 6/20/2010 |
| Q: I just saw one of your 2009 responses about an unprotected left turn. I was recently hit by someone ... A: If you have witnesses that state the other driver ran the red light, it would be more their fault ... | |
| Rental car stolen and damaged | 6/18/2010 |
| Q: my story is a bit complicated, but here it goes. I recently took a trip to Atlanta, GA and while I ... A: Oh, what a tangled web we weave, when we practice to deceive.... You and your best friend's cousin ... | |
| homeowners | 6/18/2010 |
| Q: My homeowners insurance increases every year by 10%. Currently, they have my dwelling cost much ... A: Appraisals for tax purposes are not the same as what it would cost to replace your home. Has your ... | |
| Car hits home | 6/17/2010 |
| Q: What happens when the driver of the vehicle has insurance but the car belongs to someone else and ... A: You may want to consult with an attorney. As I understand it, the auto policy of the driver may ... | |
| Neighbor's tree fell on our car after being struck by lightning one year ago | 6/15/2010 |
| Q: Our neighbor has a large pine tree that was struck by lightning about a year ago. At that time, a ... A: Get your documentation together. I think you can prove to your neighbor's insurance company that ... | |
| PLPD | 6/14/2010 |
| Q: I live in Michigan. Is there a Liability cap on PLPD and is any auto damage by another car covered ... A: I'm not from Michigan, but I know that it's never a good idea to purchase just the minimum limits. ... | |
| Auto Accident in Parking Lot | 6/4/2010 |
| Q: What is the Texas Law for who is at fault when in a parking lot accident? If someone is backing out ... A: I'm not an attorney, nor from Texas, but I can tell you that generally, the person backing out has ... | |
| Coverage of non-household driver | 6/2/2010 |
| Q: As a GA resident, I have Hannover covering my car (full). I'm to be out of town for 60 days and ... A: Yes, she is considered a covered driver, as she has permission. You can always let your insurance ... | |
| Rental Car from Accident | 5/29/2010 |
| Q: I am currently in las vegas and I was involved in a accident a few weeks back. I wasn't at fault. My ... A: I don't know of anything that says that only half of the amount of a car rental is what they will ... | |
| Automobile Accident | 5/27/2010 |
| Q: My oldest daughter was driving my youngest daughter to the airport. There was sudden wet weather ... A: This could be a tricky situation, depending on who owns the vehicle and the policy. Keep in mind ... | |
| Renter's Insurance | 5/26/2010 |
| Q: Recently my apartment lease was up for renewal, at which time, my apartment complex (located in FL) ... A: The liability coverage on a renters insurance policy is for damage that you could do to the ... | |
| rental car accident | 5/25/2010 |
| Q: Hey i was wondering if you could help me with my question. I rented a car from enterprise in the ... A: You would need to look at the fine print of the rental car contract. If you purchased the liability ... | |
| auto accident | 5/24/2010 |
| Q: I was recently rear ended by a semi while stopped waiting to make a left turn. the driver was sited ... A: I don't know whether you'll be able to recover for that. If you had physical damage coverage on ... | |
| General Liability Insurance Audit | 5/21/2010 |
| Q: My 08-09 GL audit came in higher than the previous year; even though the company grossed 30% less ... A: I would question whether they can go back and retroactively change codes, then not advise you of it. ... | |
| auto accident | 5/20/2010 |
| Q: I was recently rear ended by a semi while stopped waiting to make a left turn. the driver was sited ... A: I would be very careful signing off on anything until you are done with rehab. The fine print can ... | |
| WHAT U THINK MY CASE WORTH IF ANYTHING | 5/19/2010 |
| Q: I WAS IN AN ACCIDENT TWO MONTHS AGO SOME FEMALE DECIDED TO TURN ON A RED LIGHT AND SMASHED MY ... A: If you are asking how much money you could recover, I can't say. If the person had insurance, it ... | |
| Weird Situation | 5/15/2010 |
| Q: I was wondering if you could assist me. I have a great long-term relationship with my boat ... A: H Phil- The first thing I would do is get out your entire policy provisions and declarations page, ... | |
| renters insurance | 5/14/2010 |
| Q: I would like to know if I can submit a claim to my insurance company and a claim through the rental ... A: You won't profit from it. Depending on the situation, the rental car would be primary, and your ... | |
| parking lot restrictions | 5/13/2010 |
| Q: can an employer place excessively high speedbumps [8"] and force employees to drive over them? A: Employers I guess, nowadays, can do anything, it's an "At Will" situation, but are they really 8"? ... | |
| Copy of Cancelled Insurance Policy | 5/8/2010 |
| Q: I live in Illinois. A week ago, I cancelled my insurance policy due to poor customer service, and ... A: If your policy was in force, you do have the right to proof of coverage for the time period the ... | |
| Car accident from a left hand lane | 5/6/2010 |
| Q: I Got into a car accident about 2 weeks ago now, and I just got a letter back from the other ... A: If, in fact, you had a protected arrow to turn left against traffic, that would mean that the ... | |
| Responsibility in Parking Lot | 5/5/2010 |
| Q: I was reading a reply from Richard. The situation was my wife was parked next to a pick up truck in ... A: It sounds to me like the other driver wasn't taking due care and consideration that there weren't ... | |
| Excluded Driver from Insurance Policy | 5/5/2010 |
| Q: This is in California: As I was turning left on a green left arrow, a car passed a red light and hit ... A: Nasty situation. Witnesses to the accident would be a very good thing to have in your situation. ... | |
| Car accident from a left hand lane | 5/4/2010 |
| Q: I Got into a car accident about 2 weeks ago now, and I just got a letter back from the other ... A: You are pretty much out of luck on this. If you were the one turning left against traffic, it's ... | |
| Liability Insurance responsibility in a fatal accident... | 5/3/2010 |
| Q: My father was killed in an accident approximately 2 months ago. The other driver was at fault, and ... A: It would be advisable for you to contact an attorney. Since this was a fatality, you are certainly ... | |
| Unlicensed Driver | 4/29/2010 |
| Q: We are hosting an exchange student (unlicensed driver) & his friend allowed him to drive to our ... A: The auto liability policy of the friend who allowed him to drive should pay for the damage, up to ... | |
| collision damage claim | 4/26/2010 |
| Q: My son lost control of his sports car and hit a tree. He was able to drive it home so he stupidly ... A: Sorry, but all bets are off if you lie to the insurance company about how the damage occurred. You ... | |
| Parking Lot Accident | 4/25/2010 |
| Q: Earlier today I was backing out of a parking spot at the private college I attend and I bumped in to ... A: You are still responsible for the damage, even though he wasn't parked in a parking spot, and it was ... | |
| How Does One Begin The Process Of A Lawsuit? | 4/25/2010 |
| Q: Unfortunately my mother has only Medicare and Medicaid. We live in Connecticut. She was recently ... A: I'm not an attorney, and can't advise you on this. I work as a CNA now, (no insurance jobs in my ... | |
| moped stolen no insurance | 4/23/2010 |
| Q: My moped was stolen in Michigan. I have no insurance and still owe money on it. What are my options? ... A: You will have to pay the loan, or it will be a negative factor on your credit report. You could ask ... | |
| Car theft in a private lot | 4/20/2010 |
| Q: I was at an betting facility located in Illinois and I was parked on their lot. There was no sign or ... A: No, the facility isn't responsible for damages to your car. This is an At Will situation- you ... | |
| Dented friend's car | 4/19/2010 |
| Q: My friend went away for a long weekend and said I could use it while he was away. This also helped ... A: If he makes a claim through his insurance, he'll probably end up with a rate increase, so I can ... | |
| sr1p | 4/15/2010 |
| Q: quick question. whats the average price for an sr1-p and how do i go about getting one A: I'm not a licensed agent in California. If you open your yellow pages to the insurance section, you ... | |
| Tree fell on my car | 4/13/2010 |
| Q: Yesterday a large tree branch fell on my car. My car was located at my works parking lot. There was ... A: I don't know what legal action you can take against the building management. Branches falling from ... | |
| roof claim denied | 4/12/2010 |
| Q: Good Afternoon, Recently we had alot of snow and the weight has caused sagging on the roof, the ... A: You can try making a written insurance department complaint. Include photos, copies of all ... | |
| basement water damage from lawn sprinklers | 4/9/2010 |
| Q: Water from our outdoor lawn system flooded our underground basement. We have inches of water and ... A: This might be one to make a written insurance department complaint to, if they decide to deny the ... | |
| Vehicle a total loss after DWI | 4/9/2010 |
| Q: My spouse was involved in a DWI and accident in Minnesota. The police seized the vehicle and we ... A: The only thing I can suggest would be to make a complaint to your state's insurance commissioners ... | |
| Backing out of driveway | 4/7/2010 |
| Q: We live on a moderately busy street and my husband was backing out of our driveway. Across the ... A: He really is the majority at fault, since he was backing up, which is going against the natural ... | |
| Soot Damage from ventless gas fireplace | 4/2/2010 |
| Q: Over the past 4 months we used our ventless gas fireplaces to heat our home in an attempt to save ... A: The HO3 policy form gives coverage for this if the damage is sudden and accidental, and in fact, the ... | |
| Contact with Another Car in Traffic While Parallel Parking | 3/31/2010 |
| Q: My question involves a traffic accident in the State of: MA Following a sunny day at the zoo, my ... A: Accidents involving one party backing up are almost always deemed negligent by the operator backing ... | |
| Advice on left turn accident! | 3/29/2010 |
| Q: Traffic was very heavy and the speed limit of the majority of cars was 10-20 mph. The speed limit ... A: Sounds like your friend will be cited for the accident. He may want to put an ad in the paper for ... | |
| house hit by car | 3/29/2010 |
| Q: A car hit my house. The second car was at the scene of the accident (driving in the opposite ... A: The driver may be uninsured, so you would have to sue them, or turn it over to your insurance ... | |
| Accident | 3/24/2010 |
| Q: I parked my car in a car park next to another car, I got out of the car and shut the door, then the ... A: I'm not from the UK, but here is the US, the owner of the vehicle is responsible for all damages ... | |
| Vehicle Struck Pedestrian then left the scene | 3/24/2010 |
| Q: I am writing in today because this past weekend I was walking my dog down a 1-way street when the ... A: Sounds like he is lying to get out of a lot of trouble, and unfortunately could also produce a ... | |
| initial fee | 3/23/2010 |
| Q: he charged me 295.00 initial fee.this sounds crazy it only includes this month's payment every month ... A: If you didn't go to your own personal auto agent, it is possible that the broker could have charged ... | |
| Benefits | 3/22/2010 |
| Q: I have a question is that I was laid off of my full time job in January last year. Then I excepted a ... A: I've not worked in this area, but I would tend to think if you quit a job, instead of being fired, ... | |
| Neighbors Tree | 3/21/2010 |
| Q: I hope you get this because you seem quite knowledgeable in this area. I fear my neighbors tree ... A: You would first want an arborist or someone else qualified to state in writing that the tree is a ... | |
| small scratch - obligation to replace | 3/19/2010 |
| Q: I am a tenant accidently broke a small tile in the bathroom of my apartment. The tile is no longer ... A: I'm not from Australia, but such damages are generally why landlords require a security deposit. I ... | |
| Auto salvage/repair | 3/17/2010 |
| Q: I was recently in an automobile accident that was not my fault. Do I have the right to have my car ... A: The other company will determine the current actual cash value of the car. If the amount to repair ... | |
| rear-end at red light | 3/17/2010 |
| Q: I live out of state, purchased a 4wdr pu in alabama that will not yet meet NC inspection (catalytic ... A: You could certainly get fined for not having your vehicle insured in North Carolina, but the other ... | |
| children in the front yard | 3/17/2010 |
| Q: I am wanting to plant a fruit tree in our front yard, but my husband is concerned about our ... A: There is such a thing as an attractive nuisance, but I think your husband is stretching the concept ... | |
| homeowners insurance coverage | 3/16/2010 |
| Q: I had a couple of large trees come down on my property during a storm. One tree about 80 feet high ... A: Automobiles have always been a specific exclusion under the homeowners policy. I don't know what to ... | |
| cancelled life insurance | 3/15/2010 |
| Q: After 10 years of term life expired, I started another policy. I paid my first six months and when ... A: The insurance company should be able to produce proof that they mailed the original billing notice, ... | |
| Progressive Insurance I need help with them ! | 3/6/2010 |
| Q: MO I have a 2003 Audi A6 Quattro 2.7 BiTurbo AWD with 94,000miles Back in late Jan I was driving ... A: This is really out of my expertise range. You do have the option of arbitration as to the ... | |
| house fire | 3/1/2010 |
| Q: A fire started in the neighbors back yard and spread to my rental house I own next door. I made a ... A: Unless you can clearly prove and document the neighbor negligently started the fire, you don't have ... | |
| Renter's Insurance | 2/26/2010 |
| Q: 1. Can an apartment complex make Renter's Insurance Mandatory? 2. I have a renter's insurance ... A: Yes, an apartment can make renters insurance mandatory, and I think it is a good idea. If a tenant ... | |
| water damage in a condo from neighbor upstairs | 2/25/2010 |
| Q: I have had water damage from the neighbor upstairs. I live in unit 102 and she lives in 202(both ... A: You might try talking with your condo insurance company, to see if they have any suggestions. It ... | |
| Lawsuit/ No insurance | 2/25/2010 |
| Q: I was involved in a car accident in 2007. As far as I know the other driver ran the light and the ... A: Cars are never insured under a homeowners policy, but I'm sure you know that by now. Just because ... | |
| CA Vehicle Salvage | 2/24/2010 |
| Q: My 2006 Honda Show Car caught fire and was deemed damaged beyond repair by USAA. We are still ... A: This area of insurance claims is not my specialty. As I understand it, it depends on what the ... | |
| Private | 2/24/2010 |
| Q: the car is old with alot of miles, also the car is worth maby $250 because of age. it was done on ... A: I'm not from Canada, but if you ignore the damage you did, make sure you got photos of the car from ... | |
| hit and run | 2/17/2010 |
| Q: My car was parked and was hit by a driver who took off but someone witnessed it and took the license ... A: I'm not from New Jersey, but I've never heard of a thing as a dollar a day policy. Since you have ... | |
| No Insurance | 2/16/2010 |
| Q: I am a new driver, aged 20 with my G2 license in Canada. I currently don't own a car, so there fore ... A: First of all, I'm not from Canada. I can give you US information. Generally, if you live with your ... | |
| What happens when my car is declared totaled | 2/15/2010 |
| Q: I was in a car accident last Wednesday. The other driver failed to negotiate a curve, crossed the ... A: I can't go into detail as to all of your questions, but if you have an older model car, you may not ... | |
| damage estimate | 2/14/2010 |
| Q: Do I need an expert to testify in court for my house damage as result of burglar? Are there other ... A: If you are trying to show damages caused by the burglar to the court for conviction against the ... | |
| salvage | 2/12/2010 |
| Q: my car was hit from the rear. It has minor damage but the insurance company says that the repairs ... A: If you can show proof that you can the car fixed by a reputable shop for $700, they might go for it. ... | |
| liability | 2/9/2010 |
| Q: Have you ever heard of a law that states if you hit a car while you are not in your home state that ... A: If the limits of the MA policy for property damage was only $5,000, that is all they would pay for ... | |
| Left Turn Accident | 2/3/2010 |
| Q: The question is do I have a chance to be found not guilty? Description of scene: Intersection ... A: Technically, you were turning left against traffic, so the negligence is on you for the most part. ... | |
| Insurance responsibility | 2/3/2010 |
| Q: My wife, 4yr old son, and I was involved in an automobile accident in which my wife broke her wrist ... A: It all will come down to what limits this person had on their policy. For example, if he carried ... | |
| Car damage due to next door building. | 2/1/2010 |
| Q: We had a storm come through that ripped my neighbors siding off their house and it hit my brand new ... A: You would have to prove that the siding was already hanging off the house, negligently, prior to the ... | |
| home owners coverage | 2/1/2010 |
| Q: I am a single home owner in Wisconsin. I have an older home. The main part of my house is so old ... A: Sounds like you live in a lovely "charming" old house, with lots of additions through the years. ... | |
| homeowners policy cancelation | 1/31/2010 |
| Q: Just received letter "notice of cancelation" due to "a substantial change of risk because house was ... A: The notice was valid, and you need to look into your policy to know the difference between ... | |
| Stolen Car and found completely stripped | 1/31/2010 |
| Q: My car go stolen back in August 2009. I filed my claim to the police the next day and then to the ... A: You should at this point make a written complaint with your state's insurance commissioner's office. ... | |
| Help | 1/29/2010 |
| Q: I was hit by a drunk driver last Friday night, I was driving my car which had just been recently ... A: Frankly, you are screwed. You will have to sue the other driver for your damages. Good luck on ... | |
| Fire Loss-Actual Cash Value verses replacement cost | 1/29/2010 |
| Q: We had a fireloss on our home. The policy we hold with State Farm Insurance is for Replacement Cost. ... A: I'm going to do my best here to explain the intention of homeowners insurance. What it does, and ... | |
| Not making repairs after the check has been cashed | 1/26/2010 |
| Q: We live in TX and was affected by Hurricane Ike. Our ins. adjustor came out and said that we would ... A: Get another contractor or two to look at your roof. You will have big big problems if you get ... | |
| Neighbors tree | 1/26/2010 |
| Q: Recently the wind blew down a neighbor old rotten tree down on top of my air condition units and ... A: Unless you can provide clear documentation that there was a concern previously about this old tree ... | |
| Total Loss | 1/25/2010 |
| Q: My husband was in an accident in the state of California, that lead to the insurance company paying ... A: I'm not an attorney, but good luck on that. The auto policy doesn't pay for loss of value- it only ... | |
| car accident | 1/23/2010 |
| Q: hey in advance i thank you for your help. ok... I got into a car accident and I only had liability ... A: Back in the day, those that loaned money on cars would put "Forced Placed" insurance in this ... | |
| uninsured driver | 1/23/2010 |
| Q: I reside in New York state and my car was hit by a uninsured driver 100% at fault. I have insurance ... A: It all comes down to who owns the vehicle. You would have to make a legal claim against him or her, ... | |
| car accident with unoccupied vehicle | 1/23/2010 |
| Q: In Sept. 2009, my sister Sue, took my car (Sue is not insured under my policy) and hit her older ... A: Since you are the owner of the vehicle, you are responsible for the damage done by anyone you give ... | |
| Marine claim denied | 1/22/2010 |
| Q: I have a boat that partially sank on 11-21, the insurance company is denining the claim due to what ... A: Your best option might be to make an insurance department complaint. Since you have claimed to have ... | |
| Vehicle hit open door of parked car | 1/20/2010 |
| Q: I hope you can help me. My vehicle was parked on the right side of a one lane one way street. I was ... A: I'm not from NY, nor an attorney familiar with this, so I can't be of much help. You might try ... | |
| responsibility | 1/18/2010 |
| Q: In tennessee, someone was hauling my truck on a trailer, jackknifed and totalled my truck and ... A: I'm not from Tennessee, nor an attorney or a licensed insurance agent there. If this person was a ... | |
| Not at fault accident | 1/18/2010 |
| Q: I live in Florida and 2 weeks ago on the Interstate a truck with a trailer carrying a tractor had a ... A: I'm not an attorney, nor from the state of Florida. If you had insurance, you could turn it over to ... | |
| Recoup of Deductible | 1/14/2010 |
| Q: I was hit by an at-fault driver who ran a red light. This is documented in the police report. I ... A: You should get your whole deductible back. If your state is a comparitive negligence state, it is ... | |
| The car I bought at a dealership was a stolen car | 1/12/2010 |
| Q: I purchased a 2002 Yukon at a dealership in Nov, 2007. The State Patrol confiscated my car after a ... A: Wow, what a crappy deal. I would think that yes, the dealership should be liable. Definately for ... | |
| Rear-end | 1/8/2010 |
| Q: I was at a red light waiting to do a U-Turn, there were other vehicles at the red light going to ... A: Doing a U turn at a four light intersection is an unsafe action, in my opinion. The owners of the ... | |
| Maryland Insurance Compliance Fine | 1/7/2010 |
| Q: According to documentation from the MVA, my registration has been suspended and a fine has been ... A: You'd probably have to request a hearing before a judge. As long as you can prove that this ... | |
| Unemployment Overpayment | 1/7/2010 |
| Q: My husband was just laid off, and started filing for unemployment. He received a letter saying he ... A: Sounds to me like he's screwed, but, if they can't prove that they sent him bills for this before, ... | |
| Insuring an 18 yr old driver with expired license | 1/7/2010 |
| Q: My question is in the state of NC do you have to carry liability insurance on a child with an ... A: I'm not an attorney, nor from NC, but I can tell you this- any insurance company insuring you will ... | |
| Peerless/Safeco ignores me... | 1/6/2010 |
| Q: My car was stolen Oc. 6th. That claim was investigated and closed and paid. The stuff IN my car ... A: I don't even recall that an EUO was. Did you notify the company of your temporary address change in ... | |
| Who is liable? | 1/5/2010 |
| Q: My mother is being asked to show up in court because she is being placed at fault for damage to two ... A: Sorry for the delay in responding. The owner of the vehicle is responsible for any accidents ... | |
| is my life really insurred | 1/3/2010 |
| Q: i was thinking about getting life insurance till a friend of mine came up and told me he is working ... A: I have heard of PriAmerica, if it's who I think they are. You can go to your state's insurance ... | |
| NJ No Fault Law- regards to household ins | 12/31/2009 |
| Q: I would like to verify (i cant find any info on line).. Ine the State of NJ, if you do not own a ... A: I'm not certain I understand the question. If she is in her friends car, the friend is responsible ... | |
| Home Owner's Insurance (HOI) | 12/30/2009 |
| Q: My HOI lapsed recently due to a loss in income. My lender was never notified. I have since found a ... A: It is possible they might try to put a policy into effect (Forced Placed Insurance) for the time ... | |
| Property Damage | 12/28/2009 |
| Q: I live in an apartment in Madison, WI and park my bike behind our building on the bike racks in a ... A: You can try to sue the snow plow company, but I can't say whether a judge would consider it ... | |
| Property Damage | 12/28/2009 |
| Q: I live in an apartment in Madison, WI and park my bike behind our building on the bike racks in a ... A: Most people with a $1200 bike wouldn't leave it parked outside during a snow storm. I can't see a ... | |
| Tree falling in yard | 12/26/2009 |
| Q: My neighbors live tree blew over and smashed through my fence and landed in my yard. The tree was ... A: Unless you can prove that your neighbor was negligent (ie, the tree was dead and should have removed ... | |
| insurance law | 12/25/2009 |
| Q: What is the penalty for an accident with no insurance in california A: I'm not from California, so I can only speak in general terms. If you are at fault in the accident, ... | |
| Insurance Law / General & South Carolina | 12/21/2009 |
| Q: I do appreciate your help and hope as I explain this issue concerning my name being taken off all ... A: I think the place you need to start here is with your state's insurance department, and make a ... | |
| Insurance | 12/21/2009 |
| Q: Hey so my neighbor hit my car while it was parked on thurs morning she left a note on the hood of my ... A: She is probably blowing smoke at you. You can check with the homeowners association, but I doubt ... | |
| car rental insurance | 12/17/2009 |
| Q: Denise. On my way home tonight, I hit a van in front of me. It was very low impact since we were at ... A: I would first contact the company, and ask to see the van so you can take photos. You probably ... | |
| Hit a Police Car | 12/16/2009 |
| Q: I was just wondering if I could get some advice. It was cold here and the roads were icy and had ... A: Sounds like you are mostly at fault, but due to road conditions, it would have been reasonable and ... | |
| 3 car accident | 12/14/2009 |
| Q: About a month ago, I was rear ended on a highway in Dallas, TX. There was a lot of traffic at that ... A: You should interact with your insurance company intensely regarding this accident. The police ... | |
| left turn versus right turn | 12/14/2009 |
| Q: I was making a left turn on a green light, when another car started making a wide right turn, took ... A: I'm not from California, but if you have witnesses, you might be able to show that the other party ... | |
| parking lot wreck | 12/13/2009 |
| Q: Yes, i was in a parking lot wreck, i was exiting this parking lot in the exit lane heading for the ... A: You will have to be persistant. Having witnesses would help. Parking lots are private property, ... | |
| Sued by Family | 12/12/2009 |
| Q: About three years ago, when I was 17 years-old, my aunt let me drive her old car because she had ... A: I'm not from Virginia, but recall they are very strict. If you are driving a vehicle, it must be ... | |
| Fallen Tree Limb | 12/2/2009 |
| Q: A big tree limb fell onto my car while I was parked in the "Wendy's" parking lot for lunch. The ... A: I doubt they would pay anything, but you should consult the DNR or whatever authority has control ... | |
| Personal property damage | 12/1/2009 |
| Q: I live in Wisconsin where my neighbor set a fire which burnt 4 trees in my yard and damaged a ... A: The homeowners company will not pay replacement value for trees. As to the fence, they would pay ... | |
| pregnancy issue | 11/30/2009 |
| Q: My wife has had short term disability insurance through her work and satisfied the amount of time to ... A: That doesn't sound right, but you should check the fine print of the disability policy, so see if it ... | |
| accident on private property | 11/18/2009 |
| Q: Our son recently had a small accident on private property (parking lot). He was backing out of ... A: If the other insurance company is involved, it will still could show up on your claim record. You ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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- ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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, ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| "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? ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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: ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| *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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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. ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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". ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| (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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| "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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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? ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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: ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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? ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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. ... | |
| 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, ... | |
| 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 ... | |
| 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. ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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), ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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 ... | |
| 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, ... | |
| 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. ... | |
| 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 ... | |
| home owner's insurance | 11/6/2006 |