Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: May 9, 2012

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Insurance Question from Fort Lauderdale, FL

Asked on 05/09/2012

I HIT A PIPE WITH MY JAGUAR WHILE DRIVING ALONG THE I-95 AND GEICO ONLY WANTS TO PAY FOR SOME DAMAGE. MY POLICY COVERS ALL. GEICO WILL ONLY PAY FOR REPLACEMENT OF THE FRONT BUMPER AND AN ALIGNMENT. HOWEVER, MY CAR SUDDENLY DROVE DIFFERENTLY AND SHOWED PROBLEMS AND DON'T PRE-EXIST THE ACCIDENT. BEYOND GEICO'S SETTLEMENT, ALPINE JAGUAR ( WHERE THE CAR IS NOW) SAID IT NEEDS ABOUT $5,000 IN REPAIRS. I HAVE NOT INVOLVED ALPINE IN MY DISPUTE.

Answer given on May 18, 2012

If your car was damaged due to an object in the road, that would be covered under your collision coverage. The insurance adjuster may have initially thought the only damage was to the bumper and for the alignment. Since the car has been driving differently you will need to prove to the adjuster that this was caused by the accident.You should talk to your mechanic and see if they confirm that the damage was a part of the accident. If they believe it was, then you should call the adjuster and ask them to speak to your mechanic. This would be the best way to work this out, since the mechanic can explain what is wrong with the car and why it would be a part of the recent accident. The adjuster should be willing to reopen the claim and to pay for the additional damage to the car because if the accident.


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