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About Bennie 719
(Top Expert on this page)

Expertise
I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. Also thoroughly familar with claims handling procedures. Will not be able to quote rates because I took an early retirement. I still maintain a valid California Property/Casualty Agent/Broker license.

Experience
Experience in the area: I have been answering questions at allexperts.com since 2002 in the catagory of "Property & Casualty Insurance". Licensed in California since 1961, first in Life/Health for 3 years and as a Property/Casualty Agent/Broker since 1964. Retired at age 58, but still complete my 30 hours of continuing education every two years in order to keep renewing my license.

You are here: Experts > Money > Personal Insurance > Insurance Law

Questions Answered By Expert Bennie 719
In Category Insurance Law

Subject	Date Asked

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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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, ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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. ...
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. ...
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 ...
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 ...
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 ...
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 ...
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, ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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, ...
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 ...
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 ...
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, ...
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 ...
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 ...
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, ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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, ...
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 ...
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, ...
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 ...
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 ...
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 ...
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. ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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 ...
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. ...
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. ...
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 ...
2000 Chevy Cavalier	8/27/2007