| Subject | Date Asked |
|
| receiving diagnostic test | 8/5/2009 |
Q: Since authorizations for certain tests can not be obtained prior to 10 days of an accident, can a ...
A: I have never seen such a clause in the legal wording of any auto medical payment coverage, but it is ...
|
| Homeowner insurance claim | 8/1/2009 |
Q: I moved into a home in Md in August 2008. There was a hail storm in my neighborhood in May 2008, ...
A: No, a policy will not cover a loss that happened before the effective date of the policy. Unless ...
|
| Insuring teenage part-time driver | 7/31/2009 |
Q: What is the rule in California on insuring a part-time driver. We have a newly licensed teenager ...
A: Insurance does follow the car in cases when you loan it to a driver outside your household, your ...
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| Insurance Claim denied on Tire Blow-out Damage | 7/30/2009 |
Q: My car was park in the parking lot of my employer. My employer's business sits on a busy stripe with ...
A: You didn't mention your state of residence, so this must be happening in the Twilight Zone based on ...
|
| Tree Branch hit car | 7/28/2009 |
Q: I work for the county of Orange in Va. While at work a large branch from a Coffeewood tree broke ...
A: Normally, the tree owner is not liable unless the owner can be shown to have been negligent. This ...
|
| Who's at fault? | 7/25/2009 |
Q: My daughter parallel parked her car along a curb. Behind her was a no parking zone, in front were ...
A: As unfair at it may sound (and is), your daughter will be considered 100% at fault. The fact that ...
|
| Car Rental Damage Liability | 7/22/2009 |
Q: Bennie719, I received some hail damage on a rental car in the State of Missouri. Since I have ...
A: If I correctly understand your question, your credit card has paid for the hail damage but not the ...
|
| Proof My Car Was Auctioned | 7/20/2009 |
Q: my question is as follows. My car was auctioned off and the plates were destroyed back in October of ...
A: Please return to the allexperts.com Insurance Law site and redirect this question to RICHARD. He ...
|
| General Liability Insurance | 7/15/2009 |
Q: Is general liability insurance mandatory? My husband was a heavy equipment mechanic/welder on gas ...
A: Regarding the recent job offer, since the contractors requirement was that your husband have a ...
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| Excluded Driver | 7/11/2009 |
Q: My daughter is an exluded driver on my insurance. I let her borrow my car to drop grand baby off at ...
A: Since it's possible for each party to be partially at fault in almost any accident, every state has ...
|
| Insurance for 18 yr old | 7/9/2009 |
Q: My daughter just got her drivers licence and she's 18 years old. We bought her a 1994 Honda Civic ...
A: You can only get a quote from someone who is licensed to conduct business in your state and has a ...
|
| Vehicle Theft Claim | 7/8/2009 |
Q: My California registered vehicle was stolen on Jun 18th and recovered in Mexico. I'm currently ...
A: Since the car is now in Mexico, all rules are out the window, we are playing by a new set of rules ...
|
| Homeowners Insurance | 7/7/2009 |
Q: I live in Michigan, several weeks ago a very large tree fell on my home causing damage. There are ...
A: I'm sorry to learn of your problems. Anytime that an insurance company is dragging their feet and ...
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| car insurance | 7/6/2009 |
Q: I got into an accident a few months back. I had a green light and was making a left turn onto a two ...
A: The fact that the other driver was cited for DUI does not in any way void his policy. Whereas, you ...
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| auto accident | 7/6/2009 |
Q: I have a 2008 truck financed by chase bank and thought I had full coverage on it. I fell asleep at ...
A: I am not an attorney, but I can see no legal grounds against Chase Bank nor think of any magic ...
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| auto accident | 7/3/2009 |
Q: I have a 2008 truck financed by chase bank and thought I had full coverage on it. I fell asleep at ...
A: It is customary for the bank to require you to carry comprehensive and collision on the financed ...
|
| Credit Inusrance for auto loan | 7/2/2009 |
Q: We elected to take "Credit Insurance" when we purchased a new car (05) and we have just found out ...
A: Since your monthly payments have remained unchanged, I see no reason to suspect that your credit ...
|
| Credit Inusrance for auto loan | 7/2/2009 |
Q: We elected to take "Credit Insurance" when we purchased a new car (05) and we have just found out ...
A: I am not familiar with the term "credit insurance". Do you mean that you do not carry auto ...
|
| Car Rental Insurance | 7/1/2009 |
Q: I have not owned a vehicle since 1998, but I rent one when I need to, but don't purchase Insurance ...
A: Car rental agency's in California are NOT self insurers. Did you report this accident to the agency ...
|
| Hit and Run | 6/30/2009 |
Q: My parked car was hit by a person who borrowed a car and fled the scene on foot as the car he drove ...
A: I'm sorry for the mix-up. The question was passed on to me showing a country of origin as Canada. ...
|
| Hit and Run | 6/30/2009 |
Q: My parked car was hit by a person who borrowed a car and fled the scene on foot as the car he drove ...
A: First, allow me to state that I am not an expert on Canadian Insurance or Canadian Laws. I feel ...
|
| procedures with State Farm insurance | 6/29/2009 |
Q: I was recently hit by a vehicle which left the scene and the police had to bring her back. The ...
A: Mitchell-Matix produces books and computer programs that shows the cost of parts (both new and used) ...
|
| procedures with State Farm insurance | 6/28/2009 |
Q: I was recently hit by a vehicle which left the scene and the police had to bring her back. The ...
A: If your husband used Mitchell-Matix when writing his estimate and therefore has used all the proper ...
|
| Driver not in policy | 6/27/2009 |
Q: what can I do if a driver who is not in my policy gets rear ended driving my van? The driver lives ...
A: You have an obligation to your insurance company to inform them of every licensed driver in your ...
|
| Rear end collision | 6/26/2009 |
Q: Me and my fiance and two children were rear ended while waiting at a red light the car that hit us ...
A: This decision is generally made based on any witness statements and your statements to the police ...
|
| Subrogation | 6/24/2009 |
Q: I was involved in a collision in which the other driver turned her car into my lane as I was driving ...
A: I have diagramed your accident on paper and studied it seriously. Based on the information provided ...
|
| bike accident | 6/24/2009 |
Q: My son was riding his bike in a bike lane,(he is 19), he was hit by a motorist.An ambulance came and ...
A: I'm sorry to learn of your son's injuries and wish him a full recovery. I see no reason that you ...
|
| Subrogation | 6/23/2009 |
Q: I was involved in a collision in which the other driver turned her car into my lane as I was driving ...
A: Based on your short description of the accident and the fact that you stated that you were able to ...
|
| car insurance/HOA/home owners insurance. | 6/22/2009 |
Q: I live in an apartment complex turned condo complex and a tree branch had broke off and fell on my ...
A: A falling tree or tree branch is considered "an act of god" and is covered under the "Comprehensive" ...
|
| Parking lot Car-backup | 6/6/2009 |
Q: Yesterday while I returned to my parking lot, I saw a police officer's Card, with a case number and ...
A: It appears that you have done everything proper to this point. Now you just need to call your ...
|
| hit and run | 5/29/2009 |
Q: I was parked in a store parking lot, came out to find my PT cruiser had been hit from behind , ...
A: For losses other than collision, such as glass breakage, fire, theft, vandalism etc., you usually ...
|
| Car caused damage to our house | 5/28/2009 |
Q: I saw your response to http://en.allexperts.com/q/Insurance-Law-923/2008/4/Car-hit-house.htm. We ...
A: I wasn't aware of the size of your deductible vs the amount of the loss. You are correct feeling ...
|
| Car caused damage to our house | 5/27/2009 |
Q: I saw your response to http://en.allexperts.com/q/Insurance-Law-923/2008/4/Car-hit-house.htm. We ...
A: Unfortunately, this seems to be the way that all companies are doing business these days. Simply ...
|
| car accident/no insurance | 5/26/2009 |
Q: i had a car accident about 6 months ago involving a drunk driver, the accident resulted in a hit ...
A: The family of the deceased are probably looking for a source of help to pay the funeral expenses. ...
|
| Paid Cash for Car, yet Lienholder on title | 5/23/2009 |
Q: we paid cash for a car back in 2007. We recently got in an accident where the car was totaled. Have ...
A: I assume that you purchased the car from a used car dealership. You should start there, because ...
|
| Automobile Insurance | 5/19/2009 |
Q: My 19 year old son moved out of my home. He is currently on my automobile insurance and receives a ...
A: Many companies put each car on a separate policy and each car gets a separate bill, but there is a ...
|
| 16-year-old only required to carry 5K in property damage limits? | 5/18/2009 |
Q: I had a accident happen almost 6 months ago, basically it was a 16 year-old rear-ending my parked ...
A: I hope that you filed small claims action for the full amount of $6,500. If not, you should amend ...
|
| 16-year-old only required to carry 5K in property damage limits? | 5/18/2009 |
Q: I had a accident happen almost 6 months ago, basically it was a 16 year-old rear-ending my parked ...
A: It's not the age of the driver but state law that set's the minimum limits required to satisfy ...
|
| which insurance company is liable? | 5/17/2009 |
Q: My friend gave me a vehicle as a gift in 9/08. She signed the title over to me at that time. I ...
A: Most states require that you fully transfer a car into your name within 30 days if acquisition. If ...
|
| auto | 5/16/2009 |
Q: I have full coverage insurance. My question is if i were in an accident and it was not my fault, ...
A: In cases such as this, it is common for the insurance company to determine the cost to repair all ...
|
| Insurance | 5/14/2009 |
Q: My vehicle was parked in the street and was hit during the night. The driver was arrested for ...
A: I'm sorry that I didn't answer that portion of your question. I guess that I just let my typing ...
|
| Insurance | 5/14/2009 |
Q: My vehicle was parked in the street and was hit during the night. The driver was arrested for ...
A: In most states, there is a coverage available called "Uninsured Motorists Property Damage" (UM/PD). ...
|
| Backing Question- Who's at fault | 5/9/2009 |
Q: Tonight I was ready to park on the right side of the street before a cul-de- sac at the end of the ...
A: Since each driver was in the process of a parking maneuver, there were no witnesses and no police ...
|
| need help please | 5/8/2009 |
Q: I was backing out my driveway and a car was partially blocking it,I didnt see it as it was dark and ...
A: The fact that the other car was not legally parked is not relevant. It was not moving..........You ...
|
| Recovery of stolen motorcycle | 5/6/2009 |
Q: My dad's motorcycle was stolen over a year ago, the insurance company paid him for the bike, not ...
A: Once your father accepted payment from the insurance company for the bike, it became the property of ...
|
| college students | 5/1/2009 |
Q: both of my children are away at college. they have no cars there and know not to drive anyone elses ...
A: With most insurance companies, if your child or children are attending college at least 150 miles ...
|
| Water damage claim | 4/28/2009 |
Q: I have a question re: strategy on a claim that I filed against our neighbors insurance company. ...
A: The insurance company is required by California Law to provide representation for their insured ...
|
| car damaging my property | 4/26/2009 |
Q: last night a car plowed through my yard destorying two walls and damaging two parked cars. The ...
A: Your homeowners insurance company will be willing to pay up to the full amount shown on your policy ...
|
| car damaging my property | 4/25/2009 |
Q: last night a car plowed through my yard destorying two walls and damaging two parked cars. The ...
A: In my opinion, the best way is to file the claim through your homeowners policy and have them do all ...
|
| auto accident | 4/24/2009 |
Q: Scenario: Two directly opposing vehicles come to a 4 way stop at the same time. In one direction is ...
A: In situations where there is no police report and no independent witnesses and the drivers make ...
|
| Parking Lot | 4/22/2009 |
Q: Yesterday I was at home depot. I drove down to the end of the lane and turned righ into the back ...
A: Parking lot accidents are among one of the most difficult types of accident to settle. This is ...
|
| Rear end collision | 4/20/2009 |
Q: Hey there, I was rear ended the day before Easter. The car I had was a car I had already sold (I ...
A: Assuming that the car was purchased in her name, there is no coverage from her parents policy, nor ...
|
| Girlfriend in accident. No Police report. No Citation. Now getting threatening letters | 4/18/2009 |
Q: My girlfriend was in an accident in VA. The car is insured in Ohio still and has Ohio plates. She ...
A: Your girlfriend should have made a full and complete report of the accident to your mothers ...
|
| Sebragation "No Fault" Pay & Chase | 4/16/2009 |
Q: I was in an auto accident where I was hit from behind at a red light. Got an attorney & was awarded ...
A: My speciality is tort liability and I am not up to speed on no-fault since about 12 states have a ...
|
| only excluded driver on auto insurance and got hit | 4/14/2009 |
Q: My husband is only the excluded driver on our auto insurance and when he took the car to the store ...
A: An exclusion is normally only used when a driver has a bad record. An exclusion means that the ...
|
| only excluded driver on auto insurance and got hit | 4/13/2009 |
Q: My husband is only the excluded driver on our auto insurance and when he took the car to the store ...
A: Did you and your husband BOTHER to read the exclusion before signing? An exclusion means that ...
|
| Will this affect my driving record? | 4/9/2009 |
Q: I was rear-ended a few weeks ago, and am planning to file a claim. Although I am not at fault, ...
A: Filing a claim for a non fault accident will never effect your rates. You have waited for almost to ...
|
| parking lot door accident | 4/8/2009 |
Q: a woman opened her door on my truck, got out and turned around and did it again getting right back ...
A: ************************FOLLOW UP ************************ 4-11-09 Hi Dayna, I'm still not happy ...
|
| salvaged car hit | 4/7/2009 |
Q: My car is salvaged and I was hit in the freeway. The damaged didnt affect the car performance it ...
A: I'm sorry to hear of your accident. On cars that have a salvage title, the insurance companies only ...
|
| carpet dispute | 4/6/2009 |
Q: Bennie, my carpet runs continuous as one piece under the doorways in my home. I had this done ...
A: The insurance industry has done a 100% flip-flop over the past 10-12 years. Previously, all the ...
|
| accident while backin up in a store parking lot | 4/3/2009 |
Q: I was backing up out of tough spot in a Walmart parking lot. I started by making sure no one was ...
A: Parking lot accidents are among the most difficult type for an insurance company to settle because, ...
|
| Settlement | 4/2/2009 |
Q: About two weeks ago my boyfriend and I were in a car accident where a driver hit me and then pushed ...
A: From reading your question, it sounds like the adverse company has paid you 100% to settle the ...
|
| motorcycle accident claim question | 1/21/2009 |
Q: While riding my motorcycle I hit a pedestrian. My insurance considered me 100% at fault: "failure to ...
A: As I understand your question, you have been informed by your insurance company that the injured ...
|
| miraculous coincidence | 1/20/2009 |
Q: I recently hit a deer, filed a claim under my own policy, and took my car to the shop for repairs. ...
A: I am not an auto mechanic but it also sounds like a miraculous coincidence to me. Have you talked to ...
|
| Umbrella Insurance | 1/19/2009 |
Q: My daughter died in a car accident as a passenger. The driver's insurance will be making a ...
A: Your own underinsured motorists coverage doesn't come into play until all policies held by the at ...
|
| traffic accident | 1/18/2009 |
Q: I was driving slowly on a two lane street in my residential neighborhood and signaled to make a left ...
A: It would be impossible for any one person to memorize all the traffic laws in each of the 50 states. ...
|
| Umbrella Insurance | 1/18/2009 |
Q: My daughter died in a car accident as a passenger. The driver's insurance will be making a ...
A: I'm sorry to learn of your tragic loss. As a father of four, I can only imagine your suffering. ...
|
| traffic accident | 1/14/2009 |
Q: I was driving slowly on a two lane street in my residential neighborhood and signaled to make a left ...
A: Strange! Since you properly signaled, you had every legal right to make a change of direction. I ...
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| Liability for auto when driven by someone else | 1/13/2009 |
Q: I am concerned about my liability for a car purchased by me, registered in my name, insured by me ...
A: By following the steps as you outlined, you will be relieved of all responsibility while the son is ...
|
| Third party wrecked my vehicle | 1/13/2009 |
Q: I live in Texas and have full coverage insurance.I let my brother(not covered by my insurance) ...
A: Normally, the policy follows the vehicle and your own policy would pay for repairing your car. ...
|
| Liability for auto when driven by someone else | 1/12/2009 |
Q: I am concerned about my liability for a car purchased by me, registered in my name, insured by me ...
A: The owner of the car bears the ultimate responsibility of being liable for the actions of anyone ...
|
| antique vehc insurance | 1/11/2009 |
Q: i read some posting here that a person mentioned they had foudn $60 a year insurance on an old ford, ...
A: I guess it would be great if I could snap my fingers ang give you the name of the cheapest antique ...
|
| Stolen Truck | 1/9/2009 |
Q: My truck was stolen away from my house. It has been over a month. My auto insurance, with was full ...
A: I'm not sure if your question concerns both the truck and personal items and tools, so I will cover ...
|
| reimbursements beyond damages after a fire caused by neighbor | 1/8/2009 |
Q: My neighbor's sons used fireworks which destroyed all of our trees, landscaping and damaged part of ...
A: I'm sorry to learn of your loss to your trees and landscaping and know that you must feel ...
|
| stolen car | 1/7/2009 |
Q: Alright, My friends have moved from Orlando, FL to the Tampa area. I believe that they have ...
A: Normally the storage lot will not allow the owner to see the car until tow and storage fees are ...
|
| Auto Claim Question | 1/5/2009 |
Q: We were driving our Toyota Highlander 3 days ago in Lake Tahoe area which is an out of town trip. We ...
A: I'm sorry to learn of your minor (but possibly expensive) accident. You may recall that in 1989 the ...
|
| car | 1/4/2009 |
Q: I had a 2000 Dodge Intrepid I got into a accedent that was the other persons fault. The car had ...
A: Your car has a different value in different parts of the country. Allstate will hire an independent ...
|
| Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver. | 1/3/2009 |
Q: Our daughter was driving our vehicle that has full coverage from AAA. Within a half-hour of her ...
A: I forgot to ask if there was another vehicle involved or a police report made. My answer is a ...
|
| auto insurance | 1/2/2009 |
Q: If i were to take on a room mate who's license is revoked and do not notify my insurance company of ...
A: Under the situation that you describe, an accident that you might have can not be denied because you ...
|
| Our insured vehicle damaged in collision. Our vehicle operated by uninsured driver. | 1/2/2009 |
Q: Our daughter was driving our vehicle that has full coverage from AAA. Within a half-hour of her ...
A: In order to provide the thorough answer that your question deserves, I need a bit more information. ...
|
| auto insurance | 1/1/2009 |
Q: If i were to take on a room mate who's license is revoked and do not notify my insurance company of ...
A: ************** FOLLOW UP ******************** Hi Stuart, I'm sorry that you feel that I did not ...
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| homeowners coverage | 12/28/2008 |
Q: A bad wind storm blew over my son's wooden playset in our yard and the lumber and slide are broken. ...
A: Your policy covers the home for the amount stated on the policy, plus an additional amount equal to ...
|
| go to the court (insurance) | 12/23/2008 |
Q: We never went to the court, what is the procedures to file on insurance comp. Accident was not our ...
A: 12/26/08 Hi OP, When you carry full coverage and are involved in an accident, the legal obligation ...
|
| I was driving my friends got and got in a car accident | 12/19/2008 |
Q: I was driving my roommates car home this morning and got into a car accident. I was stopped at a ...
A: Unfortunately, there was some bad judgement on your part. A car that is only 8 car lengths away ...
|
| Accident, traffic officer directing traffic | 12/16/2008 |
Q: I was involved in an accident recently with a slightly unusual circumstance. I was traveling on a ...
A: This is just my opinion, but I feel sure that there are legal precedents to support it. The officer ...
|
| right of way backing out of parking space | 12/15/2008 |
Q: I had a question regarding your post "backing out of a parking space" I was backing out of a space ...
A: Chauncy, The verbal statement from two people that the other party was speeding does not remove you ...
|
| Turning in Tag | 12/13/2008 |
Q: I own a financed vehicle that, in my divorce, has been given to my wife in our divorce agreement. ...
A: ************************FOLLOW-UP******************************* Marco, I am not a mind reader and ...
|
| am i at fault in the middle of intersection someone hits me | 12/11/2008 |
Q: i was at a 5 way intersection with one entrace to the intersection coming from a highway with 100 ...
A: There are approximately a dozen states, mostly along the eastern seaboard whose insurance laws are ...
|
| Followup | 12/10/2008 |
Q: I contacted you a few months ago, and you gave me wonderful advice. In short, the other party ...
A: CONGRATULATIONS !!!!!!!!!!!!!!!! Since both the driver and the attorney from the adverse insurance ...
|
| work van broken into | 12/8/2008 |
Q: im also in the bay area and am thankfull for your information...hopefully you can give me a email to ...
A: I'm sorry to hear of your delima. Unfortunately, business tools and business property are NOT ...
|
| Auto hit our gate destroying it | 12/6/2008 |
Q: A fellow drove into the gate to our community, completely destroying the gate and damaging the ...
A: If your community has formed an association and the association has secured an insurance policy for ...
|
| who's liable | 12/4/2008 |
Q: I'm in my car at Kroger just put my groceries in the car and about to leave, the wind blows and a ...
A: If it was not your basket that rolled away and not your car that was hit, then you bear no ...
|
| Denied Part of Claim | 12/3/2008 |
Q: I had a kitchen water line break while on vacation and came home to 3 inches of water in my home at ...
A: Many years ago, before insurance companies ever dreamed of 1-800 telephone numbers being available ...
|
| Sueing a minor | 12/2/2008 |
Q: While my wife was waiting to make a right turn into traffic a minor hit the side of the car on the ...
A: I'm sorry to hear of your problem. You didn't mention the age of the bike rider, but if he/she is ...
|
| accident no insurance | 9/14/2008 |
Q: i was in car accident. the other driver got the ticket i have no insurance. i have a loan out for ...
A: About eleven states are no-fault and each one has a totally different plan which keeps changing ...
|
| accident no insurance | 9/13/2008 |
Q: i was in car accident. the other driver got the ticket i have no insurance. i have a loan out for ...
A: The fact that you were uninsured at the time of the accident will have no bearing on your being able ...
|
| WE NEED ADVICE CAR ACCIDENT/INSURANCE | 9/12/2008 |
Q: I hae a relative he borrom me his doley, last week my daughtero drove that car (i don't feel ok and ...
A: Since it appears that there was no insurance on the vehicle at the time of the accident, The driver ...
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| errors and omissions | 9/11/2008 |
Q: Our house was recently burglarized, though everything was covered our jewelry was only covered to ...
A: If you secured written appraisals of all your jewelry and gave a copy to your State Farm agent to ...
|
| Tree Limb fell on car | 9/10/2008 |
Q: During a storm note: no lightning- 2 large limbs fell from my neihbors tree damaging my car as well ...
A: If the limbs that fell on your car were live, this would be considered an act of god from the storm. ...
|
| Rear end colission, Ca who is at fault? | 9/4/2008 |
Q: I was involved in an accident in Los Angeles, California. I was traveling in the number 2 lane on ...
A: Under California Law you are required to operate your vehicle in such a manner as to be able to ...
|
| fraudulent insurance claim? | 9/1/2008 |
Q: is it legal to file an insurance claim against your own policy if there was no accident? My ex ...
A: Yes, it is illegal to file a fraudulent claim against an insurance policy. It is also normal that ...
|
| Rental car accident | 8/28/2008 |
Q: I had rented a car with Enterprise in June of 2008 in San Francisco CA. My friend was listed as an ...
A: Yes, the first part of the statement is true.....since you rented the vehicle, you are responsible ...
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| Rental car accident | 8/27/2008 |
Q: I had rented a car with Enterprise in June of 2008 in San Francisco CA. My friend was listed as an ...
A: Since your friend was driving and has her own insurance but was listed as a driver on the rental ...
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| No insurance invalded in a accident....... | 8/26/2008 |
Q: On Thursday 8/21/08 I've been involved in a accident. i was at a red light waiting for the light to ...
A: You state that the other driver has a problem with the state of California and is not supposed to be ...
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| Insurance Policy amount | 8/25/2008 |
Q: I was in a wreck and the insurance company for the liable party has excepted responsibility. They ...
A: The insurance company must disclose their policy limit when petitioned to do so by an attorney. If ...
|
| auto insurance | 8/22/2008 |
Q: I damaged my home with my auto. My auto insurance says will not cover damage to home from auto. I ...
A: I'm sorry to learn of your problem. Your insurance company is providing you correct information. ...
|
| Medical reimbursement to my own car’s insurance company | 7/23/2008 |
Q: I receive a letter from my own Mercury Insurance Co. (MIC) on July 17, 2008 and surprise to know ...
A: For some strange reason, we Californians tend to elect attorneys to serve our interests in the state ...
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| A very strange rear ending case - Please help! | 7/22/2008 |
Q: I was recently involved in an accident on the freeway. It was 1am and I was driving in the carpool ...
A: I agree that the other car may have been to badly damaged to move from the lane of the accident and ...
|
| Insurances | 7/20/2008 |
Q: I'm in the process of my home going into foreclosure. What happens to my homeowners insurance, since ...
A: Once the foreclosure is complete and the property is re-recorded in the name of the mortgagee, your ...
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| rental car info | 7/19/2008 |
Q: i was involved in a car accident, i have obtained a lawyer also, but my question is i need a rental ...
A: This issue will be resolved once the adverse insurance company gets a copy of the policy report. In ...
|
| providing proof of insurance | 7/17/2008 |
Q: Is it legal for my employer to demand a copy of proof of insurance concerning automobile? Yes, I do ...
A: This is not an unusual request. Although there may not be a state law that would force you to ...
|
| Rental Car Liability Insurance?? | 7/16/2008 |
Q: I want to rent a car for my vacation in California. Do you know if the rental car agency is ...
A: I guess that each of us will learn from this question. During all my traveling in California and ...
|
| Parked car collision | 7/14/2008 |
Q: I'm a college student at GVSU in Grand Rapids Michigan. This February I left my car parked in a ...
A: Since Michigan is a no-fault insurance state, you can only collect for damages to your car from your ...
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| Primary on subrogation | 7/11/2008 |
Q: Who is primary in Ct, the personal auto carrier or rental company?
A: Sorry, but I don't have a crystal ball! Were you driving a rental car? Were you at fault? Did you ...
|
| Stolen vehicle with no insurance | 5/26/2008 |
Q: i had purchased a vehicle for my fiance, he was working out of town alot and we had stopped the ...
A: The requirement is that your insurance company notify GMAC and they Secure VSI. This is why I said ...
|
| Claim-Water | 5/26/2008 |
Q: I have just recently made a claim with my insurance; I believe it is a water or sewage backup and I ...
A: You say that your claims agent has already agreed that this is a covered loss. You need to get him ...
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| Stolen vehicle with no insurance | 5/25/2008 |
Q: i had purchased a vehicle for my fiance, he was working out of town alot and we had stopped the ...
A: When you are financing a vehicle with GMAC, or any other lender, part of the contract is that you ...
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| Diminished Value case | 5/17/2008 |
Q: My son and I are the registered owners and insured on his truck. His friend was driving his truck ...
A: ****************************** FOLLOW UP ************************** Hi Julie, Since you carry ...
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| Condo Water Damage | 5/16/2008 |
Q: I own a condo unit, and my upstairs neighbor recently had a pipe burst in her unit which caused ...
A: You are entitled to have the work done by a licensed and bonded repairman. If she is not willing to ...
|
| A large limb from a tree fell on my car... | 5/15/2008 |
Q: I live in a 2 bedroom condo with my girlfriend (though she technically owns the condo) which ...
A: A fallen tree is considered an act of god and you have no claim UNLESS the tree was dead or ...
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| Parked car accident | 5/14/2008 |
Q: My parked car was hit by a minor while she was picking up her cell phone from the car floor. I make ...
A: If your car is totaled, you are entitled to receive it's fair market value (FMV) as settlement. The ...
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| CA Rental Car Question | 5/12/2008 |
Q: I currently live in New York and have a New York Driver's license. I do not have a car and do not ...
A: It is normal that the rental agency carries the basic bodily injury and property damage coverage. ...
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| Renter's Insurance and Recovery of Stolen Goods | 5/7/2008 |
Q: My girlfriend and I had our Apt broken into and some jewelry and electronics stolen. We've filed a ...
A: Once you have been paid for and replaced the stolen items, any items recovered later become the ...
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| Acident at-fault but shouldn't get any points......on my insurance (Please check details) | 5/4/2008 |
Q: Ok..Long story short. Rear-ended someone. So that means it my fault. I have only one argument that ...
A: If the insurance company feels that they can recover your deductible then they should be willing to ...
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| Acident at-fault but shouldn't get any points......on my insurance (Please check details) | 5/3/2008 |
Q: Ok..Long story short. Rear-ended someone. So that means it my fault. I have only one argument that ...
A: The only suggestion that I can make is that you take all your receipts and work orders from the ...
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| Acident at-fault but shouldn't get any points......on my insurance (Please check details) | 5/3/2008 |
Q: Ok..Long story short. Rear-ended someone. So that means it my fault. I have only one argument that ...
A: The only suggestion that I can make is that you take all your receipts and work orders from the ...
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| Acident at-fault but shouldn't get any points......on my insurance (Please check details) | 5/3/2008 |
Q: Ok..Long story short. Rear-ended someone. So that means it my fault. I have only one argument that ...
A: Based on my 44 years of experience, that is not a valid argument to avoid points for being at fault. ...
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| Personal injury at home | 5/2/2008 |
Q: While my husband and I were out of town, my 15 year old daughter, without permission had people over ...
A: Your homeowners policy will provide at least $1,000 in guest medical payment coverage even though ...
|
| Body shop joy ride | 5/1/2008 |
Q: Someone hit my rear bumper while it was parked. As a result, I took the car to a body shop for ...
A: I recommend that you immediately report this incident to your insurance company. At the time you ...
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| Fender bender @ home (driveway) | 4/30/2008 |
Q: I was backing out of my driveway and when I looked in my rear view mirror, I had backed into a small ...
A: Neither the fact that you were still on private property and the SUV was not legally parked are ...
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| Who owns vehicle? | 4/24/2008 |
Q: After an accident my vehicle was totaled by my insurance company. Having to sign the title over and ...
A: The insurance company paid you what was judged to be the fair market value of the car. There were ...
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| MIGHT have hit parked car with my car | 4/22/2008 |
Q: A guy ssid I hit his car (covered with car cover) with my door. And left a very small scratch. I do ...
A: Should your insurance company decide to honor the claim and the damages are less than $500 ($750 in ...
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| rear-ended accident | 4/22/2008 |
Q: I was rear-ended by vehicle #2 while stepping on the brake to slow down for the traffic in front and ...
A: Your insurance company owes you a legal defense. Since the other 2 drivers stated that you merged ...
|
| rental car insurance mexico | 4/19/2008 |
Q: does my visa aerogold cover me like it does in north america when i rent a car. Ican't seem to get a ...
A: I spoke with visa aerogold this morning. According to the person that I spoke with, the card covers ...
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| Hit parked car on private property, would it be covered under homeowners? | 4/18/2008 |
Q: I recently backed into a parked car on private property. I went to my boss's house because he wanted ...
A: A homeowners policy would never provide any coverage for any vehicles being damaged in an accident. ...
|
| hit car in parking lot/left note/not sure what's next | 4/17/2008 |
Q: I hit someone else's parked car in a parking lot 5 days ago and left a note with my phone number. ...
A: You should immediately contact the owner of the other car and tell him/her that you are considering ...
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| Which insurance should I use? | 4/15/2008 |
Q: I had my road bikes on my roof rack and drove into my garage. One bike (older) is totaled the other ...
A: If you promise not to shoot the messenger, I will answer your question. Your auto policy DOES NOT ...
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| Car hit house | 4/15/2008 |
Q: We reside in Texas, & a car ran through our house (2 bedrooms & a closet), 2 picket fences & a ...
A: I'm glad that you didn't say that someone was injured. Is this what they call a Texas Tornado? Take ...
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| parked car accident | 4/15/2008 |
Q: I was backing up and hit a parked car. I left a note and was contacted by the owner. It seemed like ...
A: It sounds like she just want's to pocket the money and ignore the damage. Prepare a Release of All ...
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| deductible | 4/14/2008 |
Q: I was rear ended as traffic was slowing to a stop on the freeway. The other driver left the scene ...
A: Luckily, due to the circumstances, your insurance company will consider the claim as a non-fault ...
|
| Neighbor's dangerous tree | 4/14/2008 |
Q: I live in California and there is a large walnut tree on my neighbor's property that over hangs our ...
A: I'm sorry to learn of your predicament. I hope that you retained copies of 5 estimates and the ...
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| being dropped | 4/13/2008 |
Q: I bought my home in May 2006, and have State Farm Insurance. In November of 2006, I was burglarized ...
A: I'm sorry, but I am not familiar enough whit the companies that operate in Tennessee to be able to ...
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| auto insurance | 4/13/2008 |
Q: My husband and I have a roommate that lives with us. She on occasion borrows our car. Should she ...
A: You need to immediately add the roommate to your policy as a licensed driver in the household. If ...
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| another person wrecked my car | 4/11/2008 |
Q: I was having a buddy do some engine work for me, he took the car out to make sure it was running ...
A: You can try to get your buddy to pay the damages out of his pocket, offer to split the repair costs ...
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| Could sharing an auto insurance policy hurt me in the long run? | 4/11/2008 |
Q: My partner and I live together, and we are thinking of combining our auto insurance coverage into ...
A: First, let's take a moment to look at your present situation. If you have not already done so, each ...
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| Auto Insurance | 4/10/2008 |
Q: Liability of a shared policy. I am thinking of getting a car insurance policy with my girlfriend. ...
A: This 'flex' policy must be something new that one of the AAA branches is offering. I am quiet ...
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| Auto Insurance | 4/10/2008 |
Q: Liability of a shared policy. I am thinking of getting a car insurance policy with my girlfriend. ...
A: Based on the wording of your question, I must assume that there is only one car and it is registered ...
|
| water damage | 4/9/2008 |
Q: I have water damage to my entire kitchen floor, including under my cabinets, that was caused by a ...
A: If you will take a few minutes to read the portion of your policy related to interior water damage, ...
|
| being dropped | 4/9/2008 |
Q: I bought my home in May 2006, and have State Farm Insurance. In November of 2006, I was burglarized ...
A: You did not mention your state of residence, but a few states actually do not have a law that ...
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| Liability Questions for Daughter Out of State | 4/9/2008 |
Q: I have a seventeen year old daughter who is living with her aunt in California; I reside in New ...
A: Legally, your daughter is considered a resident of your household as long as she is away at college, ...
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| collision when passing a stopped car on the left | 4/6/2008 |
Q: I was recently in an accident on a 2 lane country road (1 lane oncoming traffic)where a truck ...
A: This will have to be battled out between the two insurance companies. In my opinion, since you have ...
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| VIN number fraud, insurance fraud, staged accident with stolen cab | 4/2/2008 |
Q: I've been dealing with this issues for a few years and it seems to be developing into a multi-state ...
A: I have been a licensed Property & Casualty Insurance Broker/Agent for 44 years. I am also aware that ...
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| Auto Home Collision | 4/2/2008 |
Q: This is tricky, I recently purchased my 16 year old son a vehicle and have it covered with liability ...
A: Under the circumstances that you describe, the homeowners policy does have the legal right to ...
|
| Home owners insurance | 4/1/2008 |
Q: We have been dealing with our insurance company for the last two to three months about a leaking ...
A: I'm sorry to learn of your predicament. Your insurance policy is a legal contract between you and ...
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| minor auto collision | 3/31/2008 |
Q: Scenario: I'm driving slowly down my street when my neighbor across the street backs out of his ...
A: If 21st Century is willing to pay your damages, then you should allow them to do so. If you carry ...
|
| Homeowner warranty claim | 3/28/2008 |
Q: we bought new construction townhome which we been living in for about 6months. The actual homes ...
A: You need to call the Realtor or the real estate office that handled the sale of the home to you. ...
|
| Rights for a hit and run driver... | 3/27/2008 |
Q: Scenario: Car one has a yield sign, slows, proceeds thorough the intersection, as no other vehicles ...
A: This is becoming a bit confusing. You state that you had a yield sign, the other car hit you in the ...
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| Parking lot collision in California | 3/27/2008 |
Q: I've read several similar questions on here, but none that is exactly like mine, so here goes. I was ...
A: Parking lot accidents in any state are among the hardest to bring to a happy resolution. Insurance ...
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| Insurance liability | 3/27/2008 |
Q: I was in a gas station the other day and backed out. I hit a pole that was bend over like a gas pump ...
A: In most cases, when you hit a non-moving object, (rock, pole, tree, etc) you are considered at at ...
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| Rights for a hit and run driver... | 3/26/2008 |
Q: Scenario: Car one has a yield sign, slows, proceeds thorough the intersection, as no other vehicles ...
A: Your statement that you didn't see the other car is not sufficient ro relieve you of responsibility ...
|
| Collision With Parked Vehicle | 3/22/2008 |
Q: I was travelling in a westbound direction approaching a blind turn and collided with a vehicle ...
A: In my opinion, you should not be held 100% at fault, but that is just an opinion. Since the other ...
|
| insuring car for adult son | 3/21/2008 |
Q: I purchased a car for my son who lives in another city (same state). My insurance company will not ...
A: First of all, registering the car in your name was not a good idea because as the owner, you are ...
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| Insurance Liability/Mine | 3/21/2008 |
Q: I purchased a brand new home 3 years ago and it was my first so I know very little about homeowner's ...
A: Over the past 10 years, practically all insurance companies have amended their policies to ...
|
| lawsuit | 3/18/2008 |
Q: Two years ago I rear ended a car in a parking lot going about 5 miles an hour in the state of ...
A: California Law allows an injured party up to two years to file a law suit for injuries. They are ...
|
| My Son's Wrack | 3/16/2008 |
Q: Things are getting complicated. My son, age 17, was not included in my policy because he bought a ...
A: I'm sorry to learn of your son's medical problem. In most states, the neurologist will be required ...
|
| Umbrella Policy, Antique Auto, & Texas Law | 3/16/2008 |
Q: We are trying to put a personnal Umbrella into place. I have a 1929 Model A insured with an antique ...
A: Based on the information that I have learned from contacts in Texas, the state insurance law does ...
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| Umbrella Policy, Antique Auto, & Texas Law | 3/15/2008 |
Q: We are trying to put a personnal Umbrella into place. I have a 1929 Model A insured with an antique ...
A: I can't fully answer your question until I make some contacts in Texas, which I can't do until ...
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| Insurance | 3/14/2008 |
Q: I hit someone bumped into someone backing out of a parking lot. the bumper was cracked. i didn't ...
A: You need to contact the other party immediately, before they make a report to their insurance ...
|
| FLOOD CLAIMS | 3/13/2008 |
Q: I have been battling with Fidelity National on flood claim for 3 years and finally agreed to a ...
A: I have no knowledge that the law in any state forbids the insurance company from getting a release. ...
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| FLOOD CLAIMS | 3/13/2008 |
Q: I have been battling with Fidelity National on flood claim for 3 years and finally agreed to a ...
A: I'm sorry to hear that you had such an extended problem getting your claim settled. A 'release of ...
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| insurance in a different state than registered | 3/12/2008 |
Q: I live in Virginia, and co-own a car with my father, who lives in Pennsylvania. The car is ...
A: Having the car insured by a Virginia insurance agent in both names and at your address is exactly ...
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| No witness and No police report | 3/12/2008 |
Q: So I was recently involved in a accident where I was making a legal left turn and the other person ...
A: Unfortunately, this is a common occurence. Without a wittness, police report or some other kind of ...
|
| snow plow hitting garage door | 3/10/2008 |
Q: My daughter lives in Ankeny, IA and their garage door was hit by a snow plow. The snow plow people ...
A: If the snow plow was owned and operated by the city or county or if it was owned by a private firm ...
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| 18 YR OLD ON MY INSURANCE | 3/8/2008 |
Q: I HAVE AN 18 YEAR OLD SON ABOUT TO GRADUATE FROM HIGH SCHOOL IN TEXAS AN LEAVE FOR COLLEGE IN ...
A: In most cases you are completely relieved of parental responsibility if your child is age 18 or over ...
|
| What counts as an "accident plan"? | 3/7/2008 |
Q: I have insurance cover for cycling events through a club policy. The insurer covers "charges not ...
A: Your auto insurance medical usually only covers you while 'in or about' a motor vehicle. That means ...
|
| Car Theft | 3/6/2008 |
Q: My car was stolen in January of this year and every time I call to check on my claim I am always ...
A: The legal wording in insurance policies vary between states. If your car is not recovered within a ...
|
| Who is liable? | 3/6/2008 |
Q: The fence on my business property in Pasadena, CA was recently mowed down by a driver who was the ...
A: The only party responsible for your damage is the unknown hit-and-run driver. The driver that was ...
|
| Reaching a Settlement & Subrogation between Insurance Co. and Rental Agency Used by Defendant | 3/5/2008 |
Q: I was involved in an auto accident on 9/1/03. We were #4 car of 6 involved. Driver #6 rec'd the ...
A: This is a question that you will have to pose to your attorney. He has full knowledge of everything ...
|
| Accident Insurance Won't Cover? Help | 3/5/2008 |
Q: He barrowed my car and was driving back home with no sleep. He blacked out and crashed a VW Beetle ...
A: There are usually only three reasons that give your company the right to deny this claim. 1. ...
|
| wrecked someone elses vehicle | 3/4/2008 |
Q: My son was involved in an accident last year he was given permission by the daughter of the owners ...
A: Although the laws are slightly different in each state, permissive use is usually like links in a ...
|
| Additional driver | 3/4/2008 |
Q: I plan to share a car with a friend and I am just wondering if I have to add him as an additional ...
A: State insurance law allows the insurance company to collect the proper premium based on the risk ...
|
| Stolen Car / Insurance Claim to low | 3/3/2008 |
Q: Bennie 719- My 4Runner was stolen from my driveway, then found vandalised a week later. My ...
A: P., It is the goal of USAA to settle your claim for the lowest possible price. Before making you a ...
|
| car dooring | 3/3/2008 |
Q: I was parked legally on a busy street, however my car was a little too far from the curb. When I ...
A: As you describe the situation, you would be considered at fault. When exiting or entering a parked ...
|
| Stolen car | 3/2/2008 |
Q: I am a german citizen who went to serbia to study university. In mid december 2006 i have baught a ...
A: I am sorry to learn of your problems. I'm glad to hear that you have no legal problems because it's ...
|
| Fender Bender - Insurance exchange | 3/1/2008 |
Q: I backed into a parked van while pulling out of our driveway. The van was empty. Once the driver ...
A: In my opinion, you need to make an immediate report to your own insurance company of the accident. ...
|
| car theft after trust | 2/28/2008 |
Q: I let my girlfriend use my car one day to drop my son off at basketball practice and then to pick me ...
A: I strongly urge you to consult an attorney. It sounds like you may be dealing with a very ...
|
| car theft after trust | 2/28/2008 |
Q: I let my girlfriend use my car one day to drop my son off at basketball practice and then to pick me ...
A: From my perspective, this whole situation is a messy can of worms. I don't know your state of ...
|
| car theft after trust | 2/27/2008 |
Q: I let my girlfriend use my car one day to drop my son off at basketball practice and then to pick me ...
A: Right now, your car is being repaired under the 'Comprehensive' coverage portion of your policy, ...
|
| A driver cut me off and rubbed my front quarter panel - is it my fault? | 2/27/2008 |
Q: I was in the left lane of a two lane street during heavy traffic and was preparing to turn left. I ...
A: In my opinion, you should file a hit-and -run report with the police department. They will locate ...
|
| Insurance check is way too low | 2/26/2008 |
Q: I was rear ended while merging and Insurance and police report all claim that it is not my fault. ...
A: New York is one of the 11 no fault insurance states. The Insurance Laws and no fault insurance ...
|
| terminated policy | 2/26/2008 |
Q: My son was driving my truck and was in a 6 car pileup caused by someone rear ending him and a bunch ...
A: Even though many of Louisiana's laws have been passed down from the Napoleonic system, the insurance ...
|
| Car was stolen | 2/24/2008 |
Q: i noticed that you answered a question simular to the problem that i am having. I live in Maine and ...
A: ********************* FOLLOW UP ************************************ I agree that it might be a good ...
|
| Insurance money? | 2/20/2008 |
Q: I am 18 and some of my friends and I got in a car accident. The car was not mine but I was rushed ...
A: This is kind of strange. Prior to the the federal government changing the voting age to age 18 in ...
|
| Employer parking lot accedent | 2/17/2008 |
Q: I was at work when the security officer came and got me to inform that my truck was hit by an ...
A: I agree with you. Your fellow employee probably purchased the insurance after the accident and that ...
|
| backing out of a diagonal parking spot | 2/15/2008 |
Q: i had completely backed out of a diagonal parking spot and was putting my car in forward when a ...
A: It's very possible that the officer had hit a metal pole or some other object during his shift and ...
|
| backing out of a diagonal parking spot | 2/14/2008 |
Q: i had completely backed out of a diagonal parking spot and was putting my car in forward when a ...
A: I hate to use an old worn out phrase, but it sounds like you are 'up the creek without a paddle'. ...
|
| unlicensed driver | 2/13/2008 |
Q: I let someone drive my car the got in a minor accident. I did not realize they did not have a valid ...
A: Insurance companies are aware that situations can arise when an unlicensed driver might drive your ...
|
| insurance approved liability then denied | 2/9/2008 |
Q: Ice storm happened in December. Neighbor's tree fell on our car damage was $3,100.00. Damage to ...
A: Based on the response from your state insurance department to date, I don't think that you can ...
|
| 3 car hit and run | 2/8/2008 |
Q: I was rearended in my 98 Nissan Altima on the freeway in stop and go traffic by a Dodge Ram truck, ...
A: Based on the last sentence of your question, I am answering this question on the assumption that you ...
|
| motor insurance | 2/6/2008 |
Q: a work colleague of mine had there car keys stolen from his coat while at work.when it came time to ...
A: If your co-worker carried Comprehensive coverage on his auto insurance policy and made a theft ...
|
| Friend caused accident | 2/6/2008 |
Q: I am a policy holder for 3 cars, one of which is my brother's. A friend of my brother drove the car ...
A: If the total damage is under $500 (under $750 in some states), most insurance companies will not ...
|
| Re: Stolen Vehicle recovery | 2/6/2008 |
Q: my vehicle was recently stolen and recovered. My vehicle was "repaired" but 1 week later driving my ...
A: I wish that I had a little more information on the nature of your problems. Based on the information ...
|
| 16 year old sister w/o drivers liscence gets in an accident in my car w/o my permission | 2/5/2008 |
Q: I left my car at my Mom's house and my 16 year old sister who does not have a drivers license ...
A: You are really caught between a rock and a hard place on this one. If you decline to state that your ...
|
| Policy effective time | 2/5/2008 |
Q: When does an insurance policy go into affect? Can they bind coverage say a couple hours ahead of ...
A: I assume that you are referring to a new policy. The effective time is the date and time at which ...
|
| insurance related question | 2/5/2008 |
Q: My girlfriend bought a new car in december and is still making payments to her financial ...
A: Your girlfriend should first file a complaint with the California Department of Insurance. The DOI ...
|
| Insurance adjustor | 2/4/2008 |
Q: Recently a storm damaged a good portion of my roof. Before contacting my insurance company I had ...
A: I suggest that you telephone each company that gave you an estimate and explain that your insurance ...
|
| insurance related question | 2/4/2008 |
Q: My girlfriend bought a new car in december and is still making payments to her financial ...
A: I'm sorry to hear of your girlfriends unfortunate problem. Various insurance companies have a ...
|
| Firing while on WC claim | 2/3/2008 |
Q: I work for a military installation. Can I be fired because of the Physician's Assistant telling me ...
A: Workmens Compensation laws vary tremendously between states. In my opinion, any restrictions that ...
|
| FedEx Delivery Accident - Liability | 1/31/2008 |
Q: FedEx delivered a package to my home in Dec. The driver pulled into my driveway, dropped the ...
A: In my opinion, yes, they are responsible for replacing all 5 lamp posts. You may need to file a ...
|
| who is liable | 1/30/2008 |
Q: my mom bought a car for my sister. my sister lives in Texas, my mom lives in California. my sister ...
A: Your Mother is still the registered owner and responsible party for the actions of the car until ...
|
| left turn accident. No car insurance for that new car but having insurance for other car. | 1/30/2008 |
Q: I just met an accident while Turing left to my home drive way. Person on the traffic hit me(He is ...
A: Unfortunately, the fact that the other driver was unlicensed has no bearing on the fact that you ...
|
| Accident in California, rental car, no insurance. | 1/29/2008 |
Q: Have been driving rental cars during visits to Los Angeles/CA for 10 years. This is my first ...
A: I am answering your question on the assumption that you are not a resident of the U.S. Please ...
|
| 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: *********************** FOLLOW UP ********************** Hi Cathie, By using the car as a casualty ...
|
| Car hit by a drunk driver | 1/10/2008 |
Q: My car was parked legally in a residential neighborhood street and was hit by a drunk driver. The ...
A: You need to get a copy of the police report and learn the name of the insurance company of the drunk ...
|
| Auto Accident Claim | 1/10/2008 |
Q: I was involved in an Auto Accident where other driver was totally at fault. Their Insurance has ...
A: You didn't mention the date of the accident, but I assume it must have occured at least six months ...
|
| 2 part question | 1/8/2008 |
Q: My husband was in an accident. His tire blew out causing him to hit another car. We gave the person ...
A: The coverage that was on your car at the time of the accident is called 'vendors single interest ...
|
| homeowner's liability | 1/7/2008 |
Q: In Pa we had bad ice storm and a branch from one of my trees fell on a neighbors fence <three spokes ...
A: A healthy tree that falls due to an ice storm is considered an 'act of god' under insurance law and ...
|
| liablity insurance | 1/5/2008 |
Q: Do I need liability insurance NOW on rental properties which are held in an irrevocable family ...
A: The administrator of the trust needs to arrange liability and other coverages (at least Fire and ...
|
| accident to someone else's vehicle | 1/5/2008 |
Q: my son had an accident and was charged dui driving someone else's car. he was given permission to ...
A: If your son states that he did not have 'implied' permission, eirher from the owner or from someone ...
|
| accident to someone else's vehicle | 1/4/2008 |
Q: my son had an accident and was charged dui driving someone else's car. he was given permission to ...
A: First, DO NOT make any statement that your son did not have permission to use the car. Permissive ...
|
| stolen snowplow | 1/4/2008 |
Q: I took my truck to a mall parking lot to do some christmas shopping. Itwas equiped with a snowplow ...
A: Was the truck/snowplow used for commercial purposes or just personal? If the usage was commercial, ...
|
| rear end collision; drunk driver | 1/3/2008 |
Q: While stopped at a freeway offramp stoplight, we were rear ended by what turned out to be a VERY ...
A: Yes, it's normal that the adverse company would start repairs to your car right away, since there is ...
|
| car insurance | 1/2/2008 |
Q: how long after you turn 16 do u have to wait to get on the insurance?
A: Many companies require that you be added to the policy the moment that you get your permit. All ...
|
| Left Turn Lane Accident | 12/31/2007 |
Q: I was in an accident two weeks ago with my 12 yr old son. Our car was traveling south, approaching ...
A: I seriously doubt that your insurance company has any legal recourse against the lady who decided to ...
|
| over insurance | 12/28/2007 |
Q: From CA. Back in 1993 my girl friend bought a new Toyota pick up and got full coverage on it. She ...
A: When your girl friend's truck was totaled, her insurance company would have run a computer survey ...
|
| rental vehicle after an accident | 12/27/2007 |
Q: I was recently in an accident in texas where I was hit by someone else. They were at fault and their ...
A: It is normal and standard for the at fault company to provide you a rental car until they are able ...
|
| motorcycle recovered | 12/26/2007 |
Q: I am insured w/ AAA and 6 months ago my Fatboy was stolen out of my garage. AAA paid me 17K for ...
A: Many states require that a vehicle that has been 'totaled' and repaired or a vehicle recovered from ...
|
| motorcycle recovered | 12/26/2007 |
Q: I am insured w/ AAA and 6 months ago my Fatboy was stolen out of my garage. AAA paid me 17K for ...
A: You need to call AAA right away and let them know that the bike has been recovered and is in PD ...
|
| Apartment carport blew away damaging car | 12/22/2007 |
Q: I am writing because I just very recently moved to Los Angeles and found that Thursday evening that ...
A: Under Insurance Law, a windstorm is considered an 'act of god' and will not normally provide ...
|
| Insurance Law | 12/22/2007 |
Q: Can I be sued and am I still responsible for my 19 year old daughter who lives at home but has her ...
A: In all states that I am aware of, you are fully released from responsibility once your daughter ...
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| juvenile auto accident settlement | 12/21/2007 |
Q: I live in Washinton State. My daighter was in an accident and we are settling. We are being told, by ...
A: I am not an attorney, so I can't quote you case law, but the statement is 100% correct. Anytime that ...
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| stolen car | 12/21/2007 |
Q: My severely mentally ill son was living with his Dad and his ex-girlfriend the mother of his son. ...
A: I'm sorry to learn of your situation and hope everything is finally resolved in the best interest of ...
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| Lapse in coverage | 12/20/2007 |
Q: I just recently got kicked out of geico insurance b/c my policy questionnaire was incomplete. The ...
A: Just open your phone book to the yellow pages under Insurance. You will find ads from a large number ...
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| An engine that I bought that was found to be stolen | 12/20/2007 |
Q: 2 years ago I purchased a Mustang engine for a car I'm building for $6500. The person that I bought ...
A: Sorry to hear of your woe's with a hot engine. If you have a name and phone number for someone at ...
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| Car Theft | 12/19/2007 |
Q: about two weeks ago i started up my car in my drive way of my apartment ( i left it on for about ...
A: I have never heard of an insurance company in any state being able to deny a theft claim because the ...
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| Car Theft | 12/19/2007 |
Q: about two weeks ago i started up my car in my drive way of my apartment ( i left it on for about ...
A: I just answered a question for the exact set of circumstances in South Carolina 10 days ago. He ...
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| Possible dead tree fell on house | 12/19/2007 |
Q: I live in Georgia. I have State Farm homeowners insurance. A large tree has fallen on our roof. ...
A: You have an obligation to protect your property from a second loss (such as rain) should you first ...
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| who is responsible? | 12/18/2007 |
Q: My ex-husband bought an older truck for our 16 year old son's christmas present. He demands I put ...
A: You are correct in the fact that you can't insure a vehicle in which you have no legal interest. ...
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| condo water damage | 12/18/2007 |
Q: I own a first floor condo. I wrote my property manager about brown water stains on the exterior wall ...
A: There are about as many versions of HOA policies as there are cards in a deck. Report this loss to ...
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| Rear Ended Someone | 12/17/2007 |
Q: Someone quickly pulled out of a parking lot and into traffic in front of us and then slammed on her ...
A: You're right, the law doesn't favor you in any in this case. It looks like a wasted trip to court. ...
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| car insurance laws | 12/17/2007 |
Q: I have State Farm Auto insurance in CA. I was wondering if my insurance covers a friend who is a ...
A: Yes, your policy allows you to give other drivers remission to 'occasionally' drive your car. ...
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| Who is responsible? | 12/16/2007 |
Q: My husband was driving in the middle lane and moved to the right lane. The other driver stated that ...
A: Yes, people make false claims all the time. This is why you need to get it reported to your ...
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| AUTO insurance paid stolen stereo | 12/16/2007 |
Q: My car was broken in last month and stole my Navigation/DVD/stereo unit. My insurance paid me the ...
A: Yes, you need to report the recovery to your insurance company. I seriously doubt that they will ...
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| Bodily Injury Liability Insurance Coverage | 12/14/2007 |
Q: I was the driver in my vehicle and my 12 year old daughter was the passenger in the back. We went ...
A: In 43 years, I've never had a question like this. Since the legal wording of medical payment ...
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| Renters Insurance | 12/14/2007 |
Q: just filed a claim with our insurance company as we were the victims of a burglary. Our insurance ...
A: There is really no set 'law' as to the time frame. Once you have given them all the depositions ...
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| Low price for my car | 12/13/2007 |
Q: I was involved in accident that was the other person's fault. A police officer witnessed the ...
A: First of all, you need to get the car out of storage. Those fees are probably $45 per day or more, ...
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| Uninsured Vehicle in an accident | 12/13/2007 |
Q: My nephew was driving his brother's car which had no insurance and which he did not know. He had ...
A: Both parties will be held liable. Your nephew as the driver and his brother as the owner. If your ...
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| HOA insurance coverage | 12/12/2007 |
Q: I live in a condo high-rise and I pay monthly HOA dues. My water heater leaked recently and damaged ...
A: There are more variations of HOA policies than there are playing cards in a deck. You definitely ...
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| Friend in accident on my bike | 12/12/2007 |
Q: Several months ago I lent a bicycle (valued somewhere around $1500) to a friend to use as his daily ...
A: I'm glad to hear that your friend is recovering well. As the owner of the bike, you have the legal ...
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| Accident with no insurance | 12/11/2007 |
Q: I was involved in an accident in my truck yeseterday where i believe i was at fault, im sure my ...
A: I'm sorry to hear of the circumstances of the accident. If you are found at fault, all your ...
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| Business and persoanl use of a vehicle | 12/11/2007 |
Q: IRC was a public utility that supplied service to the public for radiotelephones, beepers and ...
A: When a person uses their own personal car for business, it is normal and standard that the employer ...
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| car wreck | 12/11/2007 |
Q: what happens if im driving my dad's car but he doesn't have me on his policy, but his car has full ...
A: If you reside with your father and he has not added you to the policy as a driver and paid the ...
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| Theft Recovery | 12/9/2007 |
Q: My car was stolen on Nov 3rd and recovered on Nov 7th. This was the only car my wife and I have ...
A: Personal items in the vehicle are never covered by the auto policy. You will need to file a ...
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| Theft Recovery | 12/8/2007 |
Q: My car was stolen on Nov 3rd and recovered on Nov 7th. This was the only car my wife and I have ...
A: Yep! It changes everything by a ton. Most likely, some kids just took it for a 'joy ride' and ...
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| pedestrian hit by rock thrown by passing truck | 12/8/2007 |
Q: An acquaintance was walking down a city street. A passing truck hits a rock in the street and the ...
A: First, let me wish your friend a speedy recovery from such an unfortunate injury. I've been in the ...
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| Theft Recovery | 12/8/2007 |
Q: My car was stolen on Nov 3rd and recovered on Nov 7th. This was the only car my wife and I have ...
A: Your car 'went astray' for only four days. The insurance company says it looks fine! My big ...
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| Stolen Car Claim | 12/8/2007 |
Q: I am kind of in a sticky situation. I am thinking that my insurance company is going to try and deny ...
A: First, let me wish you a speedy recovery from your surgery. I see no reason why the recent move and ...
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| Left Turn Accident | 12/7/2007 |
Q: My Wife was recently involved in an accident involving a left turning vehicle. She was traveling on ...
A: State Law requires your wife to operate her vehicle in such a manner as to be able to bring it to a ...
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| car damaged by tow company | 12/7/2007 |
Q: I had to call AAA to tow my car from my house to the garage that I was having it fixed at. They ...
A: I think the easiest way to handle this is to go to the dealer that took the vehicle as a trade-in ...
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| tree | 12/7/2007 |
Q: I was parked out on the public road under a tree by the district park. A big branch fell off onto my ...
A: It all depends on the condition of the tree. If it was a live healthy tree and high winds broke a ...
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| MEDICAL INSURANCE LAW | 12/7/2007 |
Q: 1. I have full medical coverage for my family, my employer is telling me that now instead of paying ...
A: There is a very large variation between the laws of different states, and even within a particular ...
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| Should I continue to pay | 12/6/2007 |
Q: I was recently in an accident that was not my fault in which my car was totaled. It has now been ...
A: It is normal that you must agree on a settlement amount and sign release forms before payment is ...
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| Faulty Parking Barricade | 12/6/2007 |
Q: I pulled into a parking spot that had a concrete barrier. Protruding from the barrier on the left ...
A: The odds are over 99% that you will be found at fault. More than 50% of the states allow an attorney ...
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| Faulty Parking Barricade | 12/5/2007 |
Q: I pulled into a parking spot that had a concrete barrier. Protruding from the barrier on the left ...
A: Under Insurance Law, anytime that you collide with a non-moving object, such as a parked vehicle, a ...
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| car insurance question | 12/5/2007 |
Q: I co signed with my cousin for a new car. I had to be the first name, and his name the second ...
A: His having a policy in his own name does not protect you. You definitely need to follow my advise ...
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| car insurance question | 12/4/2007 |
Q: I co signed with my cousin for a new car. I had to be the first name, and his name the second ...
A: I'm sorry to say, but you have been totally misinformed. If your name is on the registration (based ...
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| Auto insurance claim | 11/30/2007 |
Q: My 01 Cherv Tahoe was stolen in October 07.Prior to the theft, I professionally installed an audio & ...
A: Under Insurance Law and the legal wording of your policy, you are entitled to fair market value for ...
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| CAR ACCIDENT | 11/29/2007 |
Q: I was the unisured driver and i rear ended a lady with her 9 to 10 year old in the car. I had ...
A: Since you were uninsured at the time of the accident, you become fully responsible for all damages ...
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| Automobile accident | 11/28/2007 |
Q: I was in an auto accident. I was turning left at a three way intersection, I did not have a stop ...
A: The passenger in your car will not be acceptable as a witness because he knows you and will be ...
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| 50-50 | 11/28/2007 |
Q: i had a motorbike crash and now my lawyers are saying it on a bad day it may be 50-50 what does that ...
A: Unfortunately, situations like this are very common. You made a report of the accident to your ...
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| Automobile accident | 11/28/2007 |
Q: I was in an auto accident. I was turning left at a three way intersection, I did not have a stop ...
A: Based on your description of the accident and assuming that you were properly making a signal for a ...
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| Lapsed auto but current umbrella | 11/28/2007 |
Q: Sept 22 my auto ins lapsed. On Oct 24th I hydroplaned off the interstate hitting no one but I did ...
A: Your umbrella policy provided, among other things, excess limits of Bodily Injury and Property ...
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| Left-turn accident | 11/19/2007 |
Q: My girlfriend's father was driving up to an intersection and stopped. He checked that the ...
A: You mentioned that there were people in the crosswalk. They all were excellent witnesses. Did the ...
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| backing onto major higway | 11/18/2007 |
Q: i am trying to locate that if its against the law to back out onto a major highway its a two lane ...
A: I can't quote Georgia law, but such action would be illegal in all states that I am familiar with. ...
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| Former Friend crashed my car | 11/16/2007 |
Q: I had a friend drive my car one day with my permission. While coming to pick me up from work.. she ...
A: Your only option is to file small claims court action against her. After you win a judgement, It is ...
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| Quick to total a vehicle | 11/13/2007 |
Q: My teenage daughter was in an accident where multiple vehicles were involved. As I suspect our ...
A: If the force from the Porsche was sufficient to roll your daughters car, it's damage is much more ...
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| auto insurance Bodily injury | 11/7/2007 |
Q: I was in a auto accident where the other porperty was found at 100% fault. Rear end collision. The ...
A: I can't speak for the qualifications of the other agent or the possibility that you might have ...
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| auto insurance Bodily injury | 11/7/2007 |
Q: I was in a auto accident where the other porperty was found at 100% fault. Rear end collision. The ...
A: Yes, the child is entitled to settlement for his/her pain and suffering. If the childs medical bill ...
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| Left hand turn accident | 11/7/2007 |
Q: I was in an accident about 2 months ago. I was at a redlight then my light turned green and i ...
A: Your question is a little fuzzy, but as I can best determine, you are dealing with your own ...
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| auto insurance Bodily injury | 11/6/2007 |
Q: I was in a auto accident where the other porperty was found at 100% fault. Rear end collision. The ...
A: You will need to make a written demand to the adverse company, which should include a time demand ...
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| police impound of car | 11/6/2007 |
Q: Why would the police department impound vehicles after an accident if neither driver was ...
A: If a vehicle is not driveable after an accident, it is normal that they be towed to the safety of ...
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| Insurance Cancelled | 11/1/2007 |
Q: Mercury Insurance sent me a bill dated 9/21 for a payment due on 9/30. I sent my payment on 10/6 but ...
A: Unlike Life Insurance Companies who allow a 30 day grace period, Auto Insurance Companies are not ...
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| taxi accident! Is this a scam/fraud? | 10/30/2007 |
Q: Me and a couple of friends went out for a COUPLE of drinks on saturday. We were on sunset blvd in ...
A: Alcohol affects different people in different ways depending on their weight and specific body ...
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| HOSPITAL LEINS | 10/27/2007 |
Q: 3 months ago i had to go to the hospital for kidney stone pain. i have insurance, but didnt read the ...
A: ****************** FOLLOW UP ************************** Hi Leonard, The Hospital actually charges ...
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| park and ride lot | 10/26/2007 |
Q: ny parked car was rolled into by another parked car at a parking lot by the interstate called a park ...
A: The parking lot is either owned by the State, City or Bus company. Either way it's considered ...
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| Car damaged from inadequately maintained driveway | 10/26/2007 |
Q: After just recently purchasing a brand new car, I was in search of an apartment with off-street ...
A: In most states, the damage must exceed a certain threshold, usually $500 - $750, for it to be a ...
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| Fire damage to nieghbors house | 10/25/2007 |
Q: We had a fire in our side yard. The fire burned down our good nieghbor fence and broke some windows ...
A: This is California my friend. Anybody can sue anyone for anything (and they do). Bottom line is ...
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| Vacant Home - Insurance | 10/25/2007 |
Q: I am baffled at my home owners insurance company response to us. We have purchased home owners, all ...
A: When a home becomes vacant, you are only able to secure a (very) limited peril policy with a very ...
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| neighbors homeowner carrier | 10/24/2007 |
Q: We have a neighbor that bulit a home in a fllod plain and altered the flow of storm water. the new ...
A: That information is not a matter of public record. The only method available is that each of you ...
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| Car damaged from inadequately maintained driveway | 10/24/2007 |
Q: After just recently purchasing a brand new car, I was in search of an apartment with off-street ...
A: You will need to file a claim with your own auto insurance company. They will repair the car under ...
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| registered owners on an auto policy. | 10/24/2007 |
Q: I live in Indiana. Can my son own his own car and this car be on my allstate auto policy with him as ...
A: You are correct in your understanding that only cars registered to you and your wife can be on your ...
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| insurance company value of my car | 10/23/2007 |
Q: I purchase a low water damaged suv fixed it and got it reinspected and titled, title now say's water ...
A: No one actually pays Kelly Blue Book for a car, it's simply a guide. If you were to approach a used ...
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| car hit by other employee with company truck | 10/22/2007 |
Q: my car was parked at my place of employment, it was hit by another employee (who has since been ...
A: I hope that you made a timely report of this accident to the owner or the personnel department. ...
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| car accident question | 10/22/2007 |
Q: I was in a car accident the other day, I was turn left from a parking lot across 2 lanes of traffic ...
A: Have you reported this accident to your insurance company yet? Most states require that your ...
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| Auto theft by family member | 10/20/2007 |
Q: My son stole my vehicle and wrecked it. He did not have permission to drive it, He did not have ...
A: *******************FOLLOW UP *************************** Hi Charles, I wish to thank you for taking ...
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| Who do I take to court | 10/19/2007 |
Q: My car was backed into while parked in a parking lot. The guy that backed into me gave me his ...
A: You will need to file the claim against the driver of the truck and if he is not also the owner, you ...
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| fire damage | 10/18/2007 |
Q: i live in Las Vegas. my truck caught on fire no known reason according to fire dept. it burned my ...
A: I believe at this point, short of hiring an Attorney, that the Nevada Department of Insurance is the ...
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| rear end collision | 10/17/2007 |
Q: I am a MASS. driver, completely stopped, when rear ended by a company van from NH with NO insurance. ...
A: You can ask, but unless your truck is an '06 or '07 model, the odds are extremely slim. New GM ...
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| Vehicle Insurance ((Stolen car)) | 10/17/2007 |
Q: My husband car was stolen on Sept 6, 2007. The insurance company was contacted and was faxed the ...
A: Under the legal wording of your policy, if a stolen car is not recovered within 30 days, the ...
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| a friend in a accident with my car | 10/16/2007 |
Q: please advise, i have a small truck with liability insurance in the state of washington. one ...
A: There are many companies that write a NAMED DRIVER only policy. This means that unless the person ...
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| car accident | 10/16/2007 |
Q: "Hi we just purchased a brand new 2008 honda civic on october 9th of 2007. We we driving down a ...
A: First, make a report to your own insurance company and have them repair your car. Most major ...
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| rear end collision victim's rights | 10/16/2007 |
Q: I'm relatively new to California, and am the victim of a second rear-end collision. I went through ...
A: If I told you to take the money and run, I would be providing free legal service, which is against ...
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| Car was hit while parked | 10/16/2007 |
Q: What should i do if my car was backed into by the new neighbor and they left all their insurance ...
A: First of all, your car being hit while parked will never cause your cost of insurance to be ...
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| rear end collision victim's rights | 10/15/2007 |
Q: I'm relatively new to California, and am the victim of a second rear-end collision. I went through ...
A: If your truck was repaired in a 'quality' repair shop with a state of the art frame machine, there ...
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| backing out of parking space | 10/15/2007 |
Q: Last week, I was very slowly backing out of a parking space at the grocery store. And was just out ...
A: You should report this immediately to your insurance company. There is no way a small scratch is ...
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| Car Rental Coverage | 10/14/2007 |
Q: My wife was t-boned by an idiot who was unaware he had a red light...I've also been told by several ...
A: I simply mentioned the average time that a car is in the shop. I've been in this business since ...
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| rear end collision | 10/14/2007 |
Q: I am a MASS. driver, completely stopped, when rear ended by a company van from NH with NO insurance. ...
A: New Hampshire is unusual in that it does NOT require it's residents to carry auto insurance. Their ...
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| Tree fell down on my car in NYC | 10/14/2007 |
Q: A tree fell down on my car in NYC after a day of heavy rain/winds. My insurance company they will ...
A: If that strip of property is between the sidewalk and the street, it probably belongs to NYC. ...
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| Car Rental Coverage | 10/14/2007 |
Q: My wife was t-boned by an idiot who was unaware he had a red light...I've also been told by several ...
A: I see that you are referring to a similar question that was ask by a California driver. Even though ...
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| no insurance but not at fault | 10/14/2007 |
Q: I was in an accident where the driver failed to yield and hit my vehicle. He had just scratches. My ...
A: . I hope you got the names, addresses and phone numbers of those witnessed, because you definitely ...
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| Tree fell down on my car in NYC | 10/13/2007 |
Q: A tree fell down on my car in NYC after a day of heavy rain/winds. My insurance company they will ...
A: A fallen tree is considered an act of God and the owner of the property where it once stood is not ...
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| I Was Hit by A rental Car | 10/13/2007 |
Q: Last Sunday I was rearended by someone driving s enterprise rental car. My car was totalled and I ...
A: Since there is insurance on the car through Enterprise, you can't file a separate claim against the ...
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| 3 drivers 3 cars | 10/13/2007 |
Q: I am a 17 year old grade 12 student currently living at home and i just got my license. My dad ...
A: As long as you remain at home, your rates should not change in either direction unless you should ...
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| 3 drivers 3 cars | 10/12/2007 |
Q: I am a 17 year old grade 12 student currently living at home and i just got my license. My dad ...
A: Since an insurance policy allows any driver in the household to drive any car, most companies make ...
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| a very bad situation | 10/12/2007 |
Q: I attempted to sell a vehicle a couple months ago & a young girl test drove the vehicle and 20 ...
A: A citation for no insurance could only be issued if the police report is reopened, not by a small ...
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| a very bad situation | 10/11/2007 |
Q: I attempted to sell a vehicle a couple months ago & a young girl test drove the vehicle and 20 ...
A: First of all, California is a mandatory Insurance State. That means it is against the law to be the ...
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| ins bills | 10/10/2007 |
Q: dr. accepts assignmemt to take what ins co will pay minus a co pay. the ins denies due to ...
A: It's highly unusual for a group health plan to exclude pre existing conditions except for a ...
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| Insured buy unlicensed | 10/10/2007 |
Q: This morning a guy in a pickup truck backed into the side of my car and caused damage to my wheel ...
A: The fact that he was unlicensed will have no affect in your being able to collect the damages from ...
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| ins bills | 10/9/2007 |
Q: dr. accepts assignmemt to take what ins co will pay minus a co pay. the ins denies due to ...
A: I want to be of help, but your question is to unclear to answer. Your first sentence leads me to ...
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| Vehicle Hit in a high speed pursuit | 10/9/2007 |
Q: I live in California. I just bought a car three days ago. Yesterday a very unfortunate event ...
A: You didn't mention anything about your own insurance, so I will have to give you an answer based on ...
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| Basement water damage | 10/9/2007 |
Q: Bear with me, question follows a fairly lengthy explanation. This summer my basement experienced ...
A: First, go to the yellow pages in your telephone book under insurance and see if the company has a ...
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| Neighbors house insurance | 10/9/2007 |
Q: How can I find out who my neighbors house insurance company is?
A: This is considered confidential information. There is no public private source that lists this ...
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| Basement water damage | 10/9/2007 |
Q: Bear with me, question follows a fairly lengthy explanation. This summer my basement experienced ...
A: First, I would put pressure on the HOA to secure the Insurance Company Name and Policy Number. Since ...
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| Parking Garage Fender Bender | 10/8/2007 |
Q: I was exiting the parking garage after a baseball game amid quite the traffic jam, as can be ...
A: When leaving a parking lot in mass, such as after a game, most cars are usually almost ...
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| Unoccupied car hit by rented moving truck | 10/7/2007 |
Q: My sons car was parked in front of his friends house, when someone knocked on the door and told him ...
A: It's standard procedure that all rental companies provide Bodily Injury and Property Damage as part ...
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| Made Car Payments | 10/7/2007 |
Q: I entered an agreement with my brother which stated that I would make all payments for the car ...
A: Your only option is to sue your brother in small claims court. He will argue that you had the use of ...
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| Auto accident while trailering my boat | 10/6/2007 |
Q: I was trailering my recntly purchased boat, when I was rear ended in my nieborhood as I slowed for a ...
A: Yes, you are definitely entitled to loss of use on the boat. Talk to the adverse company's claims ...
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| homeowners coverage for personal injury | 10/5/2007 |
Q: My dad, 84 yrs old, got his neck broken in two places when a hotwater heater, which was in the ...
A: The policy of the neighbor/homeowner should have already paid the $1,000 maximum allowable for guest ...
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| Car accident with police report but my word against theirs | 10/4/2007 |
Q: I was involved in a motor vhicke accident and it was luckily a low speed 4 way stop sign accident. ...
A: In cases where there are no witnesses and no clear cut evidence of who was at fault, the Police ...
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| Victim in accident | 10/4/2007 |
Q: We were hit by another driver from the rear. Both of us have insurance. Their insurance is paying ...
A: No, a lapsed registration will not prevent your car from being repaired. Even if your insurance and ...
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| car accident and driver un-insured (lapse in coverage) | 10/4/2007 |
Q: the car had MA plates. The driver had an insurance card, so no ticket was issued for lack of ...
A: Your first step is to report this accident to your insurance company. Since New York is a no-fault ...
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| Comprehensive Claim-Stolen Veh. | 10/3/2007 |
Q: this is the problem: My friend had his vehicle stolen. He has comp coverage and insurance company ...
A: The standard procedure that an insurance company follows before sending out the DMV paper work is to ...
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| car insurance | 10/3/2007 |
Q: Are car insurance company suppose to give you back the down payment if the insurance was cancelled ...
A: Your question is a bit confusing. The way I'm understanding it is that you purchased an insurance ...
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| bennie | 10/2/2007 |
Q: Its joey, the one asking about the auto insurance accident. My insurance broker took the car i had ...
A: As long as your agent put the car on your mothers policy as of the DATE you purchased it. The fact ...
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| Insurer of last resort refuses coverage. | 10/2/2007 |
Q: I'm in Louisiana, where it is practically impossible to get homeowners insurance due to Katrina. I ...
A: Even though they are the 'insurer of last resort', they don't have to insure you if you fail to meet ...
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| recovered motorcycle | 10/2/2007 |
Q: My motorcycle was stolen three months ago and my insurance paid me for it. A few days ago I ...
A: When you settled the claim, you signed the title over to the insurance company. They became the new ...
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| Insurer of last resort refuses coverage. | 10/2/2007 |
Q: I'm in Louisiana, where it is practically impossible to get homeowners insurance due to Katrina. I ...
A: It's not you they are unwilling to insure, it's your Dog. Over the years, they have garnered and ...
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| NO AUTO INSURANCE | 10/1/2007 |
Q: I just got in an accident and i didnt have any insurance because i just got the car, The accident ...
A: Make a report to your own insurance company ASAP. They will add the car to your policy as of the ...
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| Excluding a non-resident adult son from auto policy | 9/30/2007 |
Q: My son graduated from college and moved to North Carolina. I asked my insurance company to take him ...
A: If you exclude your son, you will NOT be able to add him back on to the policy when he returns for ...
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| NO AUTO INSURANCE | 9/30/2007 |
Q: I just got in an accident and i didnt have any insurance because i just got the car, The accident ...
A: How did the accident occur? Did she run a red light? Did she run a Stop Sign, if so, was it a 4 ...
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| Accident / Stolen Vehicle | 9/28/2007 |
Q: If i get hit by a stolen car and suspect is not caught, can I file a claim with the Insurance ...
A: *************************FOLLOW-UP************************ Hi Joel, There will be a separate report ...
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| Accident / Stolen Vehicle | 9/28/2007 |
Q: If i get hit by a stolen car and suspect is not caught, can I file a claim with the Insurance ...
A: Once the car is stolen, neither the owner nor his insurance company are liable for the actions, ...
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| Auto Totaled | 9/27/2007 |
Q: I was told by the insurance company of the person that totaled my vehicle that Georgia Law states ...
A: The industry standards are that the adverse company pays your car rental until they have made you a ...
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| No insurance for either parties... | 9/26/2007 |
Q: my name is Robert Dobesh and I live in Alaska. I was recently involved in a car accident that was my ...
A: When you are at fault in an accident, you become responsible for all damages to the other car and ...
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| run of the road accident | 9/26/2007 |
Q: I was run off the road by an SUV the other day, and hit the guard rail on the Century Blvd freeway ...
A: I am familiar with that stretch of freeway and on ramp. When caught in a situation like yours, ...
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| other drivers in the household | 9/25/2007 |
Q: Following the string of questions with Karen; I am an insurance agent in Virginia. I often find the ...
A: First, lets take the example where you were not allowed to write a new policy through a standard ...
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| other drivers in the household | 9/25/2007 |
Q: Following the string of questions with Karen; I am an insurance agent in Virginia. I often find the ...
A: I thoroughly understand your statement. As Agents, we are setting on top of the fence with ...
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| Basement water damage | 9/24/2007 |
Q: Bear with me, question follows a fairly lengthy explanation. This summer my basement experienced ...
A: Yes, this is something that should be covered under the liability portion of your neighbors policy, ...
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| water damage and HOA | 9/24/2007 |
Q: I live in a condo in a house with 2 condos total; we share HOA insurance through Allstate. I have ...
A: This should have been reported immediately to all 3 insurance companies so they could have a ...
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| water damage and HOA | 9/23/2007 |
Q: I live in a condo in a house with 2 condos total; we share HOA insurance through Allstate. I have ...
A: Don't be concerned about bring confused by this issue. All 3 of the Insurance Companies will also ...
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| car rental coverage | 9/23/2007 |
Q: I was rear ended and the other party (and their carrier) admitted fault. My carrier tells me that ...
A: If you go through Hartford, they will reimburse your $500 as soon as they collect from Mercury and ...
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| tree | 9/23/2007 |
Q: we live on a private street, and pay homeowners dues, our healthy tree fell, a major part fell ...
A: I am aware that Insurance policies in Florida have become a lot more restrictive and harder to ...
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| tree | 9/22/2007 |
Q: we live on a private street, and pay homeowners dues, our healthy tree fell, a major part fell ...
A: You either have a HO-3 or HO-5 Homeowners policy. This is covered under your policy and not subject ...
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| car rental coverage | 9/22/2007 |
Q: I was rear ended and the other party (and their carrier) admitted fault. My carrier tells me that ...
A: I have never read or heard of such a law. Under your own personal Auto insurance you may have ...
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| tree | 9/22/2007 |
Q: we live on a private street, and pay homeowners dues, our healthy tree fell, a major part fell ...
A: There are multiple types of Homeowners Association (HOA) policies. In a Condo, where you only own ...
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| value on a totaled vehicle | 9/21/2007 |
Q: i had my truck parked out front of my house and a drunk driver hit it and totaled my vehicle. his ...
A: Fair market value is the amount at which dealers are willing to sell. No dealer expects to sell for ...
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| son in car accident | 9/21/2007 |
Q: My son was hit by a driver who was ticketed for no license and running a red light as a result. The ...
A: The proper way to handle this is to process the claim through your own company. They will pay you ...
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| neighbor complains of run-off | 9/20/2007 |
Q: About 5 years ago, the home next to mine was knocked down to build new construction. The new house ...
A: As you stated, you have done nothing wrong. Since your new neighbor demolished the old structure, ...
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| rear end collision | 9/19/2007 |
Q: My 16 yr old daughter with a 3-month-new license had put her car in reverse but had not pressed on ...
A: Sorry about the time delay in answering your follow-up question, but I was trying to find some ...
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| rear end collision | 9/19/2007 |
Q: My 16 yr old daughter with a 3-month-new license had put her car in reverse but had not pressed on ...
A: Tell the parents of your daughter's friend that if they do not want the insurance company involved, ...
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| Dead tree removal | 9/18/2007 |
Q: Our house was hit by lightning, later we found out a near by 250 yr old live oak was hit as well. ...
A: **************************FOLLOW-UP*********************** Hi Lisa, Additional thought. Also call ...
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| neighbor's plumbing issue, now we can't get our own insurance? | 9/16/2007 |
Q: Our neighbor had a toilet overflow and continue to run until the water seeped through to our side ...
A: First, you do have a claim against your record because you filed through the HOA policy, which is ...
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| insurance check | 9/15/2007 |
Q: i had claim with home owner insurance state farm i received a check under my name and countrywide ...
A: In the past, this was a fairly simple procedure. In todays depressed real estate market (in most ...
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| subrogation notice | 9/14/2007 |
Q: at a get together recently a friend of mine and I got into a dispute and I broke his jaw he received ...
A: You didn't mention that there were questions on the form to be answered and returned to Blue Cross. ...
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| subrogation notice | 9/14/2007 |
Q: at a get together recently a friend of mine and I got into a dispute and I broke his jaw he received ...
A: As I understand the letter, they are telling him that there is a clause in his health policy that ...
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| subrogation notice | 9/14/2007 |
Q: at a get together recently a friend of mine and I got into a dispute and I broke his jaw he received ...
A: Since I haven't seen or read the subrogation notice, I can only assume it was probably from your ...
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| 50% 50% percent. How do I dispute a insurance decision | 9/13/2007 |
Q: I was in a two-car accident. Basically I was going north in a one lane road to pick up my takeout ...
A: Insurance companies have an obligation to their clients to accept their statements as true and ...
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| Hit while at red light in 3 car accident | 9/13/2007 |
Q: I was at a red light when a vehicle ran the light on the cross street as it turned green. He hit ...
A: ****************** FOLLOW UP ************************* Hi Jeanette, I just received the following ...
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| Neighbor Diverting Rain Surface Water Lawsuit | 9/13/2007 |
Q: Filed a small claim (didn't knowing def's.insurance co. at the time) against neighbor for Private ...
A: It sounds like your neighbor filed a claim with Farmers telling them that his surface run-off water ...
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| damage to parked auto caused by a tree | 9/12/2007 |
Q: my car was legally parked on a new york city residential street.a tree branch fell on my car,causing ...
A: The ownership of the tree is determined by whether it's growing on private property or city ...
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| I WAS IN AN ACCIDENT~ MY INSURANCE DENIED MY COVERAGE! | 9/12/2007 |
Q: I WAS INVOVED IN AN ACCIDENT THAT WAS MY FAULT. I HAD INSURANCE BUT THEY DECIDED TO DENY MY CLAIM ...
A: Upon selling the Jeep, your obligations were to give the buyer a bill of sale and keep a copy for ...
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| SOMEONE HIT MY PARKED CAR | 9/12/2007 |
Q: I CAME OUT OF MY HOME TO FIND A NOTE ON MY VEHICLE AND A HUGE DENT . A NEIGHBORS CAR ROLLED OUT OF ...
A: The fact that your car was not insured has no bearing on your ability to collect for the damage. Was ...
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| auto insurance | 9/10/2007 |
Q: Is there a difference between being a "rated driver" on an auto policy and a "named insured?" Are ...
A: In order to put the car on your policy, you would be required to re-register the vehicle in your ...
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| auto insurance | 9/10/2007 |
Q: Is there a difference between being a "rated driver" on an auto policy and a "named insured?" Are ...
A: The 'Named Insured' is the person (or persons) whose name appears on the policy declarations sheet ...
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| exiting a taxi | 9/9/2007 |
Q: I am visiting NYC from OR and i was exiting from the rear passenger door of a taxi that was pulled ...
A: You win the special answer of the day. Yes and No. Yes, you are at fault for opening the door into ...
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| need to add additional driver to policy | 9/9/2007 |
Q: My girlfriend and I will be moving in together in a few weeks. She is currently not a listed driver ...
A: Each insurance company requires that all licensed drivers in the household be listed as drivers. If ...
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| Registration ticket | 9/6/2007 |
Q: My birthday is August 27, and due to work haven't got sticker for plate yet. I received a ticket in ...
A: I am a licensed broker in California and not familiar with all the laws in New York. I suggest that ...
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| Auto Accident | 9/5/2007 |
Q: I was in an auto accident in 05/2006 in CA. The other driver and I agreed not to file insurance ...
A: Drop into the local DMV office and purchase a current copy of your driving record. Request the 5 ...
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| AM I COVERED? | 9/5/2007 |
Q: ""Im in CA. I WAS INVOLVED IN A HIT AND RUN WHERE MY VEHICLE WAS REAR ENDED BY A JEALOUS X OF MY ...
A: Call your insurance company immediately and file a report. Your insurance company will repair your ...
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| friend borrows car-hit and run w/ injury | 9/5/2007 |
Q: bad deal. friend borrowed car w/ permission for 2 days, hits and runs with injury to other car ...
A: ********************* FOLLOW UP ***************** Hi Johnny, I am extremely puzzled by your rating ...
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| insurance requirement. | 9/4/2007 |
Q: Can my landlord require that I hand over my car registration and auto insurance information? I feel ...
A: Unless there is a clause in your rental agreement that only allows you to park owned, insured ...
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| car insurance | 9/4/2007 |
Q: My 19 years old son has his own car.Should I buy his own insurance policy or put him under my ...
A: Putting him on his own policy and registering the car in his name is by far the best solution to ...
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| disputing | 9/3/2007 |
Q: I was in an accident 3 days ago where I rear-ended an unlicensed driver without proof of financial ...
A: You mentioned that you are insured with AAA but didn't state if it was northern (CSAA) or southern ...
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| auto insurance law | 9/3/2007 |
Q: I was wondering if you happen to know when California's first mandatory automobile insurance law ...
A: The mandatory insurance law, as you know it today, is something that has evolved over more than half ...
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| Hit a parked car in a rental truck | 9/2/2007 |
Q: I was driving a rental moving truck rented under someone else's name and I hit a parked car (also a ...
A: There is a clause that allows your policy to follow you, in certain conditions, while driving a ...
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| disputing "principally at fault" determination of claims adjuster | 9/2/2007 |
Q: I was in an accident 3 days ago where I rear-ended an unlicensed driver without proof of financial ...
A: Like you, I am appalled that an insurance company would make such a decision and issue such a letter ...
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| out of state traffic citation but no claim | 8/30/2007 |
Q: My husband was in an auto accident when he was out of state on business. He was driving a rental ...
A: ********************* FOLLOW-UP******************** Hi Melissa, Since you have now informed me that ...
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| Put dent in friend's car | 8/30/2007 |
Q: I attend an automotive tech school in Sacramento, and a friend asked me to do him a favor and pull ...
A: I agree that your 'friend' is trying to pull a shady deal. Do NOT sign an agreement to pay him. His ...
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| Boat Incident | 8/29/2007 |
Q: I was docked at a restaurant and another boat, while trying to dock, hit my boat and did some ...
A: I strongly urge you to settle this through the insurance companies. It's easier, faster and less ...
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| parking lot- accident | 8/29/2007 |
Q: About two weeks ago I was in an accident in a parking lot. I waited till it was clear to back out ...
A: It appears that she changed the facts to be in her favor when she made the report to her company. ...
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| I backed into my friends car from the garage | 8/28/2007 |
Q: I backed into my wifes friends car coming out of my garage towards the street. What should I do? ...
A: Since you were at fault, you need to contact your own insurance company and make an accident report. ...
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| Auto claim | 8/28/2007 |
Q: I took my car thru a a local car wash and the employees put a window down and got major water damage ...
A: The Insurance Company's obligation is to repair the car if it's repairable or pay you the value if ...
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| 2000 Chevy Cavalier | 8/27/2007 |
Q: About 4 years ago I sold my vehicle to a friend because I needed the money. This person did not have ...
A: Wow. This situation is getting more cloudy. The police will not be able to assist you because he ...
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| California Insurance Requirement for minor Driver | 8/27/2007 |
Q: My daughter got her California Driver's license last October when she turned 16. In June, after 4 ...
A: It's easy to see that you put in a lot of effort researching this situation. I have reviewed the ...
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| California Insurance Requirement for minor Driver | 8/27/2007 |
Q: My daughter got her California Driver's license last October when she turned 16. In June, after 4 ...
A: As you said, it's a matter of trust. If, after surrendering her drivers license, she takes your car ...
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| California Insurance Requirement for minor Driver | 8/26/2007 |
Q: My daughter got her California Driver's license last October when she turned 16. In June, after 4 ...
A: When you signed the papers at DMV for your daughter's permit, those papers included a clause where ...
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| hi | 8/26/2007 |
Q: live in bklyn new York am occasional driver, registered owner lives in bklyn but is secondary named ...
A: The Insurance company feels that no matter who owns the car, the person that drives it over 50% of ...
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| 2000 Chevy Cavalier | 8/26/2007 |
Q: About 4 years ago I sold my vehicle to a friend because I needed the money. This person did not have ...
A: Sorry, but no, you can not file a stolen vehicle report. The vehicle has not been stolen. You ...
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| Car Stolen | 8/23/2007 |
Q: My car was stolen about 2 weeks ago, it was found and had some damage done to it. But when i drove ...
A: This is a frequent situation that happens when the owner states that the engine,transmission,rear ...
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| I bought a stolen car | 8/21/2007 |
Q: From what I've been told by a detective in Denver, a lady purchased a car with a bogus cashiers ...
A: Did you go through the steps I suggested in my first answer? Logically, the first owner should bear ...
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| Parking Lot Accidnet | 8/21/2007 |
Q: I was recently in a minor accident in a city park and ride (city bus) parking lot. I was proceeding ...
A: A parking lot is private property and no one really has a 'right-of-way-'. We all have to drive ...
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| Neighbor Diverting Rain Surface Water Lawsuit | 8/21/2007 |
Q: Filed a small claim (didn't knowing def's.insurance co. at the time) against neighbor for Private ...
A: First, before dropping the claim,you need to learn the meaning of these two terms. With prejudice ...
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| I bought a stolen car | 8/21/2007 |
Q: From what I've been told by a detective in Denver, a lady purchased a car with a bogus cashiers ...
A: You are being told that you are the victim of a scam. Now you need to learn if someone is trying to ...
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| Neighbor Diverting Rain Surface Water Lawsuit | 8/17/2007 |
Q: Filed a small claim (didn't knowing def's.insurance co. at the time) against neighbor for Private ...
A: I understand your statement about the situation, but I can't see a question. Texas is one of the ...
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| Unsafe backing | 8/17/2007 |
Q: I had an accident with a car who was backing from a parking lot into my lane. The police reports ...
A: I'm sorry to hear that you are having so much trouble with the adverse insurance company. I suggest ...
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| 16 Y/O Driver | 8/16/2007 |
Q: my son's Mom and I are no longer together and he is living with me full-time now. I bought him a ...
A: **************RESPONSE TO YOUR RATING***************** Hi Jim, Just because you are angry at the ...
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| Wreck in parking lot | 8/16/2007 |
Q: I drive a small car, and this afternoon I was pulling forward out of a parking lot. As I pulled ...
A: Since you pulled into the lane and was hit by an oncoming vehicle, I don't see any chance of your ...
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| Accident Private Property Lapsed Policy | 8/13/2007 |
Q: I was backing out of my parking space at my complex when a another driver accelerated with his eyes ...
A: You were totally misinformed by the agent you spoke with. A very few companies will reinstate a ...
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| stolen car | 8/10/2007 |
Q: june 12th of this year our truck was stolen from the parking lot where i work. birmingham, alabama. ...
A: What a tangled web we weave................................ Whom ever stole your truck and later ...
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| auto coverage question | 8/9/2007 |
Q: My step father was involved in a highway hit and run. According to the police he had to have flipped ...
A: It sounds as if the family is in need of an Attorney. Cases such as this are taken on a contingency ...
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| Minor Accident | 8/8/2007 |
Q: I was backing up on a dirt road on private property recently, I didn't realize the passenger door ...
A: I'm glad that I was able to provide some information that helped you make your decision. Please ...
|
| Minor Accident | 8/8/2007 |
Q: I was backing up on a dirt road on private property recently, I didn't realize the passenger door ...
A: The answer to your question is yes, it will be covered under collision, subject to your deductible. ...
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| Suppose to have full coverage but the insurance company gave me liability | 8/7/2007 |
Q: When I purchased my car I put Full Coverage and it over lapsed so when I went to go renew the policy ...
A: Lets see if I correctly understand your situation. You had a car insured with full coverage with an ...
|
| car was stolen | 8/2/2007 |
Q: My car was stolen about three months ago, and was crashed on someones property. The insurance ...
A: There is no way to sugar coat my answer. I'm just going to have to try to play 'devils advocate' in ...
|
| fender bender plus | 8/2/2007 |
Q: I am in California. A guy in a big ol' truck talking on his cell phone made a very wide right hand ...
A: In my opinion, you should not respond to the other carrier. You made a full report to your own ...
|
| Homeowner insurance termination | 7/31/2007 |
Q: Do I have a leg to stand on in this scenario?: My wife and I (and our mortgage co.) just found out ...
A: Unlike Life Insurance, which is a long term contract and provides you a 30 day grace period from the ...
|
| car was stolen | 7/31/2007 |
Q: My car was stolen about three months ago, and was crashed on someones property. The insurance ...
A: You have not provided me enough information to formulate an answer. Please send a follow-up telling ...
|
| fell at parents house... | 7/30/2007 |
Q: i fell at my mom & dads house 2 days ago. i broke my wrist in my left arm, pulled /ripped tendon in ...
A: Since you have already filed the claim, it is now part of your parents record. This claim will ...
|
| I messed up bad! | 7/27/2007 |
Q: I was in a car accident about 3 days ago with my girlfriends 14 year old sister. She was ...
A: I agree 100%......You sure did mess up bad. You did not mention your home state, and laws vary,but ...
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| who is at fault when moving vehicle hits stopped car | 7/27/2007 |
Q: I live in a rural nieghborhood. Last night I saw a dog in the road, so I stopped my car on my side ...
A: Under law, a person is to drive with speed and caution in a manner to stop his car if a problem ...
|
| Minor Accident at Gas Station | 7/26/2007 |
Q: My sister was recently in an accident in Arizona while getting out of her car. My sister's door was ...
A: Yes, this is definitely worth persuing. Your sister needs to make two reports, one to the police ...
|
| motorcycle crash fatality | 7/25/2007 |
Q: my brother was killed on his motorcycle in Palm Beach County almost 3 months ago by a person driving ...
A: I would like to express my condolences for your loss. I know what it's like to loose a brother ...
|
| fell at parents house... | 7/25/2007 |
Q: i fell at my mom & dads house 2 days ago. i broke my wrist in my left arm, pulled /ripped tendon in ...
A: I'm glad I could be of help. Remember, you need to be on the verge of settlement before the end of ...
|
| Accident in mother in laws car. | 7/24/2007 |
Q: I recently rear ended the car in front of me in a low speed collision. The owner of the other car ...
A: The Insurance always follows the car unless there are restrictions on the policy. Assuming there are ...
|
| fell at parents house... | 7/24/2007 |
Q: i fell at my mom & dads house 2 days ago. i broke my wrist in my left arm, pulled /ripped tendon in ...
A: What the adjustor described to you is the Guest Medical Coverage under your parents Homeowners ...
|
| fell at parents house... | 7/21/2007 |
Q: i fell at my mom & dads house 2 days ago. i broke my wrist in my left arm, pulled /ripped tendon in ...
A: I'm sorry for the delay in answering your question, but I went camping for a long weekend. The ...
|
| Neighbors rental property tree fell on my car | 7/19/2007 |
Q: On 4/21 a wind storm caused my neighbors tree to fall on our car and scratched a lot of its ...
A: Sorry to hear of your misfortune. I wish I had a magic answer to pull out of the hat and solve your ...
|
| motorcycles insurance | 7/19/2007 |
Q: my question is this, just bought a brand new motorcycle. had it for about 3 weeks and got into a ...
A: It has been my experience that in a situation like this involving a practically brand new vehicle, ...
|
| File claim on neighbor's insurance? | 7/10/2007 |
Q: I own a townhouse in FL. A fire started in the back patio of the neighbor's townhouse. There was ...
A: I would first suggest that you talk to your HOA Insurance Company to find out if they have, or ...
|
| Uninsured Driver | 7/8/2007 |
Q: I was hit in the rear by a man who claimed he had insurance. When the police report was finished I ...
A: Your first major concern is getting your car repaired. It's very important that you immediately ...
|
| private property tree fell on my car | 7/5/2007 |
Q: Last week a 30 foot tree fell on my car. I was at home and it was my neighbors tree. They have ...
A: When a HEALTHY tree falls, no one is considered at fault. It is considered an 'act of god' and you ...
|
| double hit in parking lot | 7/4/2007 |
Q: A drunk driver last night, driving in hi-speed inside my apartment complex, hit the side of a car ...
A: It's the requirement in most states that if your car is involved in an accident, a report must be ...
|
| double hit in parking lot | 7/4/2007 |
Q: A drunk driver last night, driving in hi-speed inside my apartment complex, hit the side of a car ...
A: The drunk driver is the one you will attempt to recover damages from. The car parked next to yours ...
|
| auto damage claim on private property | 7/4/2007 |
Q: I was visiting a company aboout 7 months ago. When i exited their garage, the gate closed ...
A: Sometimes, we get caught up in a web that's hard to unweave. You should have reported this incident ...
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| I was rearended but no one will pay for my damages | 7/3/2007 |
Q: I was recently involved in a 4 car accident. I am not sure as to the order or which car hit who ...
A: Let's look at this like a picture....you being car #1, next car #2, next being car#3 (that fled the ...
|
| Vehicle Involved in Accident, No Insurance | 7/3/2007 |
Q: Can you please provide me some advice? My 18 year old daughter was involved in a Motor Vehicle ...
A: You didn't mention your state of residence, but I am not aware of any state that has rules as harsh ...
|
| stolen car found in another state. | 7/2/2007 |
Q: my daughters car was stolen from a apartment where she was moving out of over the weekend while out ...
A: It's true, the Insurance company is under no obligation to pay $500 - $600 to tow the car back to ...
|
| accident liability | 7/1/2007 |
Q: If someone who is not the owner of a vehicle gets into an accident while driving that vehicle, ...
A: Except in a few rare case when there is a restricted policy involved, The Insurance always follows ...
|
| Car accident | 6/28/2007 |
Q: I do not have insurance. I was driving my BMW when I was struck from the side. The police report ...
A: Yes, small claims court is a definite option for you to consider. You need to find out the maximum ...
|
| Car accident | 6/28/2007 |
Q: I do not have insurance. I was driving my BMW when I was struck from the side. The police report ...
A: The fact that you do not carry Insurance has no bearing in your ability to collect from the at-fault ...
|
| structural insurance | 6/28/2007 |
Q: We live in Michigan and recently a neighbor was working on a vehicle in their driveway, unsecured. ...
A: I see no way that the landlord across the street could be liable. The best thing to do is turn this ...
|
| Broker made error resulting in a denied claim | 6/27/2007 |
Q: In the middle of may we added me and in the middle of june I got in an accident the broker ...
A: I spent about 30 minutes on the phone with an AIG broker Wednesday morning. (Then I had to spend ...
|
| Broker made error resulting in a denied claim | 6/27/2007 |
Q: In the middle of may we added me and in the middle of june I got in an accident the broker ...
A: I think that you should be able to get an attorney to take this case on a contingency basis. ...
|
| Broker made error resulting in a denied claim | 6/27/2007 |
Q: In the middle of may we added me and in the middle of june I got in an accident the broker ...
A: The owner of the agency and the agent/employee that made the mistake should each be carrying a ...
|
| Company Vehicle bump | 6/21/2007 |
Q: I was involved in an auto accident yesterday. I was sitting at a stop light when my foot slipped ...
A: This incident should be immediately reported to Liberty Mutual. Most policies state that as long as ...
|
| car sold but still registered under my name got into an accident | 6/21/2007 |
Q: I sold my car to a friend, but let my tags on it so that my friend could drive the car ...
A: I am not 100% familiar with the laws in Maryland, but generally the seller is not released from ...
|
| liability insurance | 6/19/2007 |
Q: i was involved in an auto accident,i was stopped at a red light and hit from behind by a stolen ...
A: Sorry..........I bring bad news, with possibly a little good. Once a car is stolen, neither the ...
|
| homeowners insurance | 6/14/2007 |
Q: I live in VA. My neighbors tree fell over on my car during a recent storm. I rent my home, she ...
A: Under Insurance Law, a fallen tree, especially a healthy tree, is considered 'an act of God'. The ...
|
| car wreck | 6/13/2007 |
Q: i am seventeen years old. My twin sister was in a wreck last month. A man had ran a traffic light ...
A: Progressive is correct, they don't have to fight for you since the car did not carry collision. ...
|
| car wreck | 6/11/2007 |
Q: i am seventeen years old. My twin sister was in a wreck last month. A man had ran a traffic light ...
A: States that have Tort liability generally function under one of two laws: 1. Principally at fault. ...
|
| uninsured vehicle | 6/7/2007 |
Q: I was driving a friends car and was hit by another vehicle. It turned out to be my fault. I come to ...
A: You can get information from the State of Washington Department of Insurance. They don't provide a ...
|
| uninsured vehicle | 6/7/2007 |
Q: I was driving a friends car and was hit by another vehicle. It turned out to be my fault. I come to ...
A: You didn't mention your age, martial status or residence. The first thing to do is to look at areas ...
|
| Homeowners claim adjustment | 6/6/2007 |
Q: We are in the midst of having a water damage claim processed under our State Farm Homeowner's 5 ...
A: I am not aware of any site where you could download a policy form. If you drop by your Agents office ...
|
| Homeowners claim adjustment | 6/6/2007 |
Q: We are in the midst of having a water damage claim processed under our State Farm Homeowner's 5 ...
A: I had almost the exact same loss last fall. My policy replaced all the carpet that was ...
|
| someone else wrecked my car | 6/5/2007 |
Q: I let my friend drive my car, and he had a fender-bender in a residential parking lot with a hedge. ...
A: The Insurance follows the car when the driver has your permission. Your own carrier will pay for ...
|
| My Truck was stolen.. | 6/4/2007 |
Q: I just have a quick question concerning my insurance company. I live in Arizona, and my husband took ...
A: Yes, there is a small limit on personal property in the vehicle. If you have a homeowners or renters ...
|
| Recent question | 6/1/2007 |
Q: I just sent in a question and afterwards realized that I had entered the wrong e-mail address. The ...
A: Since this situation has already gotten out of hand, it's not a good (or safe) idea to try to keep ...
|
| other driver hit me | 5/30/2007 |
Q: I was riding west bound on a street in the left lane. In the right lane there was a truck that was ...
A: Repert this immediately to your insurance company. A claims adjustor should be able to inspect both ...
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