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: Mar 21, 2017

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Insurance Question from Saint Paul, MN

Asked on 03/21/2017

How old do you have to be to be able to drive a classic car? I’ve heard 25+ in the past. Does it vary from state to state? "2017-03-21 18:03:11"|"auto-insurance-qa"|"How long can I carry a child on my auto policy?"|"Each state and insurance company is different regarding how long a child can remain on your automobile insurance policy. Most of the time the child should remain on your policy as long as they are living with you, or away at school or is a regular user of your vehicle. The insurance company wants to know of all drivers in the household, so if your child does not have their own auto insurance policy, you should continue to list them on your policy.If the child moves out and gets their own auto insurance then you do not have to continue to list them on your policy. If they may occasionally drive your car they are most likely covered, but make sure your insurance company does not require all potential drivers be listed on the policy. This is only done by a few insurance companies, but make sure what your policy requires. You can obtain this information from your agent or the insurance company, or it will state this in the policy itself."|""|"2017-03-28 19:11:49"|"75075"|"Plano"|"TX"|"https://insurance.freeadvice.com/insurance-questions/how-long-can-i-carry-a-ch-3876.htm" "2017-03-18 19:54:12"|"auto-insurance-qa"|"i recieve a check from the insurance company for my accident repairs is there a tax taken out of this check"|"Actually, every state has a sales tax, not just Mass. However, if your car was a total loss, the settlement check should include sales tax on the value of the car, because you will have to pay that sales tax when you purchase a replacement car.If your car was only damaged and it is to be repaired, the cost of the sales tax should also be included in the settlement check since the repair shop will charge you sales tax on the parts and the work performed.Mass is a no fault state, so there could be other charges or settlements because of that. If you do not feel you received the correct amount for the work to be done on your car you should call the adjuster and ask them to explain to you the amount of the check versus what you were quoted by your repair shop for the work to be performed. If you have a written estimate, go over it with the adjuster to be sure it is the same amount agreed upon, less your deductible"|"my agent tells me there is a sale tax in Mass. its makes no cents to me"|"2017-03-20 20:50:32"|"02327"|"Bryantville"|"MA"|"https://insurance.freeadvice.com/insurance-questions/i-recieve-a-check-from-th-3871.htm" "2017-03-15 21:54:20"|"auto-insurance-qa"|"If the other guy's insurance assumes liability, do we still have to accept a settlement that won't cover replacement cost?"|"When an auto is considered a total loss due to an accident, the insurance company will pay what is considered to be the current actual cash value of the car. This may not be what you, the owner of the car, considers the value but it is the approved way of settling a claim on a total loss.The insurance company may use the "blue book" value or some other similar valuation publication. If you do not feel this is sufficient, it is up to you to prove the difference. If you can find a local used vehicle of similar age and mileage you can present that to the adjuster. Classified ads or values from dealers in the area can be used. You cannot use the internet unless the vehicle is in your area, since car values vary in different areas of the country. After you can support your valuation, contact the adjuster and provide them with your evidence. If they decline ask to speak to a supervisor who may be able to work with you on a revised value."|"My son was hit head on by a drunk driver who crossed into his lane. Thankfully, he's not hurt, but both insurance companies want to give him the supposed resale value of his truck and we cannot find a replacement at that price. What are our options?"|"2017-03-20 20:54:50"|"97231"|"Burlington"|"OR"|"https://insurance.freeadvice.com/insurance-questions/if-the-other-guy-s-insura-3867.htm" "2017-03-10 15:06:25"|"auto-insurance-qa"|"If Ohio Insured totals a parked car in Kentucky, can punitive damages be awarded even though Ohio has an exclusion on punitive damages?"|"probably not. talk to an attorney"|""|"2017-03-20 20:55:33"|"41042"|"Devon"|"KY"|"https://insurance.freeadvice.com/insurance-questions/if-ohio-insured-totals-a--3860.htm" "2017-03-08 03:02:53"|"auto-insurance-qa"|"Can the insurance company drop you right after signing you for not driving enough?"|"I have never heard of an insurance company dropping a client, new or not, because they do not drive enough. When your mother in law signed up for the insurance did she discuss her driving habits with the agent or insurance company. If so the issue should have been raised at the time. Your mother in law should call the insurance company and try to get clarification as to the cancellation. The insurance company does have the right to cancel within a certain period of time, usually 30 days.If your mother in law cannot get a satisfactory answer from the company, she should talk to the Dept of Insurance in her state to see if they can assist her.If the new insurance company still refuses to keep her insured, she can talk to her old insurance company or look for a replacement. It is most likely the old insurance company will take her back if there is no issue with her record and if she does not have a lapse of insurance."|"My mother-in-law just switched from Geico from TSC to get a lower rate. She paid the full year premium upfront. But one month into the policy TSC informs her that they are dropping her because she does not drive enough, giving her less than 2 weeks notice to find another insurance company. Can they do that? Does she have any recourse to insist on her coverage as agreed upon?Also, this doesn't make any sense, it is a much lower risk for them and hence "free money" since she only puts about 3k miles on the car per year... "|"2017-03-11 21:34:25"|"11787"|"Smithtown"|"NY"|"https://insurance.freeadvice.com/insurance-questions/can-the-insurance-company-3856.htm" "2017-03-06 20:23:16"|"auto-insurance-qa"|"How much will an expired license ticket raise insurance prices?"|"If your driver's license expired simply because you failed to renew it on a timely basis it should not affect your insurance rates. Even since you received a ticket for not having a license, it should not affect your insurance rates unless you received another ticket at the same time. That could affect your insurance rates.An expired license does not usually result in any points being added to your driving record, so it would not cause your rates to go up. Sometimes you can get the ticket resolved as a "fix it" ticket. It means you fix the issue of the license and then you can get a police officer to confirm it has been fixed and they will confirm it on a form. It is then sent to the DMV and there is no activity on your driving record. Again, if there was another infraction issued at the time of the expired license ticket, your rates could be increased, but it would not involve the expired license issue."|"It was only expired by 3 days but I don't think the insurance cares. I want to know if getting a lawyer will be worth it"|"2017-03-07 18:13:33"|"64834"|"Carl Junction"|"MO"|"https://insurance.freeadvice.com/insurance-questions/how-much-will-an-expired--3853.htm" "2017-03-03 16:04:55"|"auto-insurance-qa"|"I need to insure a vehicle in Oklahoma that I just bought. I'm listed as a driver for use of my fathers vehicle on his in Missouri. Is this legal?"|"Apparently you do not currently own a car of your own. Since you are listed on your father's nsurance, even if in a different state, you should tell the new insurance company about that insurance since it does show that you have been insured previously. You should add the information that you do not own the car, only that you are listed as a driver. Since you are shopping online you may want to see if you can "chat" with a representative of the insurance company that you are interested in buying the policy from. They can ask additional questions to make sure that you are eligible for the premium you are seeking and to clarify any questions you may have. It is always better to give extra information rather than withholding the information as it could come back as a problem and you could end up being cancelled for failure to disclose information. You may have to provide the name of the insurance company and policy number where you are currently covered but that should not be a problem."|"When filing for a quote on insurance websites it asks if you're already insured. Are they asking if the vehicle I am trying to insure now is already insured or if any vehicles are already insured? I do not own the vehicle that I'm listed as a driver on. It is his policy, do I need to include this information?"|"2017-03-11 21:38:45"|"74036"|"Inola"|"OK"|"https://insurance.freeadvice.com/insurance-questions/i-need-to-insure-a-vehicl-3850.htm" "2017-02-26 04:40:55"|"auto-insurance-qa"|"coverage"|"In most instances, when you lend your vehicle to a licensed friend, your insurance will cover any accident that occurs while they are driving. There are some insurance companies that only cover listed drivers on the policy, you need to check with your insurance company and/or review your policy to see if that restriction applies. If not, and there is an accident caused by the permissive driver, your insurance policy will pay for damages and injuries, up to the policy limits, for such injury or damage. If you have collision coverage on your car, your policy will pay for those damages, less your deductible. Your insurance rates should not be affected, but some insurance companies do surcharge if there is an accident, even if not your fault. Again, check with your agent or company about this.It is possible that your insurance company will ask for information on the other driver. Presuming the friend does not regularly borrow your car there should be no further issue. If they use the car regularly you may have to add them to your policy as a driver. "|"If I loan my vehicle to a friend who has no insurance but has a legal DL, if they have an accident in my vehicle will my insurance still cover?"|"2017-03-07 18:18:00"|"75143"|"Kemp"|"TX"|"https://insurance.freeadvice.com/insurance-questions/coverage-3845.htm" "2017-02-23 19:14:32"|"auto-insurance-qa"|"Would Garage Keepers coverage be covered under an Umbrella Policy? I've been told it doesn't and now am having to prove that it is not covered."|"it would not cover under a personal umbrella policy. You would need a commercial policy."|""|"2017-03-11 21:39:52"|"73120"|"Nichols Hills"|"OK"|"https://insurance.freeadvice.com/insurance-questions/would-garage-keepers-cove-3838.htm" "2017-02-22 20:56:28"|"auto-insurance-qa"|"is it true that I can not get multy car discount form my cars and motorcycle?"|"yes"|"my insurance informed me that i can not get multiple vehicle policy no longer only on my 2 cars but not on my motorcycle? ids that true?"|"2017-03-11 21:40:39"|"91335"|"Encino"|"CA"|"https://insurance.freeadvice.com/insurance-questions/is-it-true-that-i-can-not-3836.htm" "2017-02-10 18:39:31"|"auto-insurance-qa"|"My son was in a dirt bike wreck on our land .Went to ER who pays auto or health insurance?"|"You indicated that your son had a dirt bike accident. If it was a solo accident, and you have medical payments coverage on the policy, a claim can be filed under that insurance. It is most likely that you didn't have a separate insurance policy for the dirt bike, if it is not registered for the street. If that is the case then your health insurance should be used for the injury. If you had to go to the emergency room there is usually a deductible or co pay for that. If you just go to your doctor for the injuries, then your regular health insurance should cover his injuries, less the co pay under your insurance.Your homeowner insurance will not cover the injuries since he is a member of the household, and the liability and medical payments coverage does not cover household members. If there was another vehicle involved, then their insurance could pay if they were responsible for the accident and injuries"|""|"2017-02-16 20:34:35"|"49285"|"Stockbridge"|"MI"|"https://insurance.freeadvice.com/insurance-questions/my-son-was-in-a-dirt-bike-3818.htm" "2017-02-07 16:58:34"|"auto-insurance-qa"|"Can I rotate insurance on 2 cars each month"|"no"|"I own 2 seperate cars that id like to drive every other month ex: January- one car Febuary- the other repeating etc. but i only want to pay for insurance for one car each month so my question is can I rotate insurance policies monthly?"|"2017-02-16 20:35:11"|"75234"|"Dallas"|"TX"|"https://insurance.freeadvice.com/insurance-questions/can-i-rotate-insurance-on-3814.htm" "2017-02-06 21:51:31"|"auto-insurance-qa"|"Does GuideOne sell auto Insurance in the State of OR, ?"|"check their website or call the Dept of Ins"|"I was with Guide One but now I'm told Guide One no longer covers auto Ins in OR. I was switched to another company and now I pay $20 more each month and to get that price I had to drop my coverage by $2500. Insurance companies are making millions of dollars each month off the backs of the poor, some country we live in!"|"2017-02-06 22:46:49"|"97501"|"Medford"|"OR"|"https://insurance.freeadvice.com/insurance-questions/does-guideone-sell-auto-i-3812.htm" "2017-02-03 05:53:24"|"auto-insurance-qa"|"Should I keep those 2 on the insurance or should I take them off of the insurance????"|"Based on the information you have provided, it is probably not financially feasible to continue collision coverage on the Toyota. It is most likely the vehicle will be considered a total loss if there is an accident and you most likely have a deductible of $250 or more, you would not receive much money for the vehicle.Comprehensive insurance is much less costly and it includes glass breakage, vandalism and rodent damage. Even with a $50 or $100 deductible it is not expensive to continue this insurance. Review the cost of the comprehensive coverage and decide if you are concerned with the possible damages. Glass and vandalism would most likely not involve a total loss, so it may be ok to continue that insurance coverage. However, if you have financial difficulties you may want to drop that insurance coverage to save the money."|"I owned a 2003 Toyota Sienna CE, 91,000 miles on it and in fair condition. I went on KBB.com to see what's the value of my van, it says "Trade-in Range" $1,009 - $1,628 & "Trade-in Value" $1,319 .I have Comprehensive & Collision on my Progressive insurance policy in R.I., I don't drive that much anymore and I drive 2 or 3 days per a month. "|"2017-02-06 22:51:49"|"02864"|"Cumberland"|"RI"|"https://insurance.freeadvice.com/insurance-questions/should-i-keep-those-2-on--3809.htm" "2017-01-26 01:45:00"|"auto-insurance-qa"|"Im an International student from the Bahamas attending Harvard University I want to to get a new car but will I be insurable?"|"Each insurance company determines whether they will insure someone who does not have a US driver's license in their own way. Some will agree to write a policy without a US license, as long as the applicant gets a license within a certain period of time. You say you have 365 days to get it, but the insurance companies may not feel that way, since, I believe your driving experience involves driving on the opposite side of the road than in the US. This can be a concern to the insurance company.There are several specialty auto insurance companies who will write a policy for someone without a US license. That is the most likely source for your situation due to your age, driving experience and licensing. You need to find an insurance company before you buy a car as you may need extra time to obtain the insurance. There may also be a "standard" insurance company which will consider your application, but they may need proof of your driving record at your previous residence, such as an MVR."|"My dad wants to get me a new car, but I don't have an American License, I have a Bahamian Drivers license. Will that be acceptable to the insurance company, this would only be temporary as I believe I am required to get an American license within the first 365 days. I am 18 years old. "|"2017-01-28 23:43:41"|"02138"|"Cambridge"|"MA"|"https://insurance.freeadvice.com/insurance-questions/im-an-international-stude-3803.htm" "2017-01-25 00:10:58"|"auto-insurance-qa"|"Uber Driver - What is a Personal Certificate of Liability of Insurance?"|"why don't you ask Uber what they need?"|"I am a 19 year old college student living under my parent's roof. I'm trying to become an uber driver in NY and i've completed most of what was asked from uber, but i'm stuck on figuring out what a Personal Certificate of Liability of Insurance is and how I can obtain one to submit. Thank You"|"2017-01-28 23:44:19"|"11580"|"North Valley Stream"|"NY"|"https://insurance.freeadvice.com/insurance-questions/uber-driver-what-is-a-per-3800.htm" "2017-01-24 20:13:19"|"auto-insurance-qa"|"Can an insurance company add an unauthorized driver that was involved in an accident without the policy owners consent after the accident? "|"While each state is different in regards to drivers listed on an auto insurance policy, most companies will want to add a driver if they were involved in an accident. If your sister and her husband have their own insurance policy, you can provide that information to your insurance company. They should then be willing to remove her husband from the policy. If they do not have their own insurance, and she uses one of your cars regularly, it is logical for your insurance company to add her husband to your policy since he most likely lives with her.The insurance company should have contacted you before making the change, or your agent should have notified you. If her husband has tickets and/or other accidents, that will definitely have an effect on your premium. It sounds like this accident may have not been your in-law's fault, but you should talk to your insurance company about it.The only option about the in-law would be to exclude him from your policy. If you do that, he could not drive any of your cars and if he did there would be no insurance in case of an accident."|"My sister who is on my insurance policy got into an accident with her husband and he was the driver. They have since tried to sue the other driver's insurance company for medical bills. I have no received a new policy premium that has skyrocketed and when I called they told me they added my sister's husband even though I never consented to it. The accident was over three months ago and they are just now adding him. That car was totaled and we no longer have it. Is this legal?"|"2017-01-28 21:58:39"|"02351"|"Abington"|"MA"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-company--3798.htm" "2017-01-22 21:03:21"|"auto-insurance-qa"|"Recent dui for daughter at age 24"|"If your daughter got a DUI and is convicted, her insurance rates will dramatically increase. If she remains on your insurance policy, then the rates for the car she is assigned to will go up.It is possible the insurance company will want to exclude your daughter if she loses her license. If so, then your premium will not be affected, but she cannot drive your car for any reason. Once her license is reinstated, your rates will go up if you add her back on to your insurance policy. At that point you may want to get a separate policy for her with an older car that only needs liability insurance. This will help keep the costs down.Until and unless she is convicted of the DUI, your rates will not be affected. It may be to your advantage to hire an attorney to try to keep her from a conviction.She should also apply for a temporary license right away or it will be suspended within a week even if she is not yet convicted."|"Our daughter lives with us and the vehicle we got for her is under my husbands name. She got a Dui this morning and is 24 and on his insurance as a driver of the vehicle. Tried to cancel her insurance but can't due to age and she lives at home. Will this affect my husbands premium"|"2017-01-23 18:47:19"|"85757"|"Tucson"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/recent-dui-for-daughter-a-3796.htm" "2017-01-20 15:51:02"|"auto-insurance-qa"|"Will I get dropped if I filed a claim? I have AM fam and am close with my agent and totaled my car last week due to icy road conditions"|"Your driving activity can be a red flag to your insurance company if you file another claim, but it appears the only "active" item on your record is the OWI in 2015. The 2008 accident is 9 years ago. The defective ticket, presuming it was not considered a speeding ticket or other moving violation, would not be a problem and it is also 6 or 7 years old.If you have collision coverage on your current car, you have been paying for the insurance to protect you in the event of an accident. You should contact your agent or insurance company and file the claim for your car. I'm sure the icy conditions caused several accidents in your area, so it would not appear to be an unusual incident. Once settled your rates will probably go up since you did have an at fault accident. If your car is considered a total loss you may not be happy with the settlement, because you only get the actual cash value of the car as determined by local sales, the Blue Book or other similar determinations."|"I am 24 years old and drive a 03 Subaru WRX with 100,000 miles on it. When I first got my license in 2008 I had a honda accord and ended up totaling it a few months after getting my license when a deer ran me off the road into a tree. Since then, I got a defective speedometer ticket in 2010 and an OWI in 2015. Should I risk trying to file a claim, try to sell the car as is, or try and part out the car. I am so scared, I need a car for work and I dont know what to do. Please help!!!! (please no lectures about the OWI, I already feel bad enough)"|"2017-01-28 23:51:08"|"53593"|"Fitchburg"|"WI"|"https://insurance.freeadvice.com/insurance-questions/will-i-get-dropped-if-i-f-3792.htm" "2017-01-17 15:14:25"|"auto-insurance-qa"|"My parked car was damaged by an out-of-state trucker on the property of my employer, The adjuster has verbally agreed to cover car rental and repairs."|"If your parked car was damaged by another driver and the insurance company is not responding as they should you can file the claim under your auto insurance policy. You will be responsible for the deductible, but once your insurance company settles with you they will then go after the other insurance company for reimbursement. If they succeed, your deductible will be returned to you. If you have rental car insurance under your policy, you can also rent a car using that portion of your insurance policy.If that option does not work you will need to push the other insurance company for payment. You should try to follow up with the adjuster and if they do not respond, ask to speak to a supervisor. That may get things moving. If that fails, you can contact the Dept of Insurance in New York to see if they can assist you in getting the settlement you deserve."|"My legally-parked car was damaged by an out-of-state trucker on the property of my employer, The trucking company is from New York State, his insurance company is using delay tactics regarding payment of car rental and repair of my car. All expenses for car rental thus far is in my name due to the lethargic response of the trucker's insurance. I'm very concerned that I may be left liable for the repairs and car rental. What is my recourse to ensure I get paid what is due to me?"|"2017-01-17 22:08:21"|"23836"|"Chester"|"VA"|"https://insurance.freeadvice.com/insurance-questions/my-parked-car-was-damaged-3789.htm" "2016-12-14 23:51:20"|"auto-insurance-qa"|"what if Insured person doesn't pay deductible for the car owned by other person"|"If I understand correctly you had a leased car & let your friend use the car and he had insurance on the car. The insurance company will only pay for the damages to the car less the deductible. They have no requirement to try to collect the deductible since they did not pay the deductible. The bank has a contract with you so as far as they are concerned, you are responsible for the deductible.Whether your friend has a legal requirement to pay, or reimburse you for the deductible will depend upon whether you have a contract with him that holds him responsible. While I am not a lawyer, it would seem that it would be the only way you would be able to hold him legally responsible. You can try to file a claim in small claims court, but the court may not rule in your favor. You may just end up paying the deductible, which you would have done had you had the accident."|"I own a vehicle lease, it's under my name. My friend was driving my car a lot. He has it's own insurance coverage for my car. One day my friend crashed the car. The insurance company paid everything to the bank but the deductible. My friend disappeared, not responding. Question: Does he legally must pay the deductible? if so, how to obligate my friend to pay?To note: a) I own the vehicle, e.g. I have agreement with the bank. So the bank can't pursue my friend for that deductible. My friend is not obligated to the bank.b) Insurance company can't pursue my friend for the deductible as well.."|"2016-12-27 19:45:25"|"91304"|"Box Canyon"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-if-insured-person-do-3763.htm" "2016-12-11 23:44:05"|"auto-insurance-qa"|""Pricing is much more difficult in insurance than in other business fields""|"not sure why you are asking this question. not really an insurance question."|""Pricing is much more difficult in insurance than in other business fields, because the cost of production is not known until after the product has been delivered". To what extent is this statement true and to what extent is it false?"|"2016-12-27 19:46:21"|"96858"|"Fort Shafter"|"HI"|"https://insurance.freeadvice.com/insurance-questions/pricing-is-much-more-diff-3759.htm" "2016-12-07 22:43:35"|"auto-insurance-qa"|"Can I obtain declarations page from an old cancel insurance policy"|"You should be able to obtain a copy of an old cancelled or expired declarations page if it was your policy.You should contact your agent if you had one. If not, contact the insurance company directly. You will need to provide them with the policy number and the named insured as shown on the policy as well as what policy term you are looking for. Most insurance companies maintain records of old policies for at least 10 years, and many keep them even longer.If you do not know the old policy number, they may be able to look it up using your name. There is no guarantee of this, but the insurance companies usually cross reference names to the policy number. The more information you can provide them the more likely they will be able to assist you. It will possibly take some time as they often scan the old policies and file them either on a computer or some still use paper files."|""|"2016-12-12 23:12:01"|"64131"|"Kansas City"|"MO"|"https://insurance.freeadvice.com/insurance-questions/can-i-obtain-declarations-3755.htm" "2016-12-07 14:12:31"|"auto-insurance-qa"|"What happens if a family member totals my leased car "|"Auto insurance is set up that the owner of the car is responsible for the damages to the car no matter who is driving. If a family member totaled your car you should report this to your insurance company for settlement. They will pay for the damages presuming the family member is either listed on the policy as a driver, or that the insurance company does not exclude drivers who are not listed.The insurance company will pay the "actual cash value" of the car less the deductible. The value of the car may or may not be the same as the balance on the lease. If it is not enough, then you are responsible for the difference, unless you have an endorsement on the policy that is called "gap" coverage which picks up the difference.If the family member is NOT listed on your policy, then your rates will not be affected. The family member's driving record will be affected which can result in higher premium for them on their insurance policy."|"Family member totaled my car. It is a leased car as well. "|"2016-12-27 19:50:39"|"06830"|"Belle Haven"|"CT"|"https://insurance.freeadvice.com/insurance-questions/what-happens-if-a-family--3754.htm" "2016-12-04 01:15:41"|"auto-insurance-qa"|"cost to insure full coverage 2005 Porsche 911 Carrera S"|"you need to contact insurance companies to get quotes. Quotes aren't provided on this site."|"excellent driving record last ten years, currently insured, age 67years old"|"2016-12-12 23:12:46"|"93727"|"Fresno"|"CA"|"https://insurance.freeadvice.com/insurance-questions/cost-to-insure-full-cover-3752.htm" "2016-12-02 19:00:49"|"auto-insurance-qa"|"what is the state law requirement for adding a vehicle on after purchase...Do you have 30 days?"|"Each insurance company has its own rules regarding the addition of a new car. It is not usually set by any specific state. Many companies have a 30 day requirement, but some have only 15 days and others 20-25 days.Your insurance policy should indicate the requirements, or you can call your insurance agent.Any automatic coverage for a new car will be the same as other cars on the insurance policy. If the new car is replacing a car, then the coverage will be the same as the replaced car. Therefore, if you do not have collision coverage on the existing cars or replaced car, you would not have collision on the new car until you call your agent or insurance company and report the new car.It is always in your best interest to call your insurance company as soon as possible to avoid any issues of a lapse of insurance coverage on the new car. "|"What is the time frame that the state of MN allow for time getting a car on insurance policy from date of purchase. "|"2016-12-27 19:55:20"|"55369"|"Hassan"|"MN"|"https://insurance.freeadvice.com/insurance-questions/what-is-the-state-law-req-3750.htm" "2016-11-28 19:20:56"|"auto-insurance-qa"|"Claim question"|"It is questionable that you would allow someone to drive your car, even with you in it, if you do not know their name. Having said that, if your insurance company does not have a restriction on unlisted drivers on the insurance policy, your insurance company will pay for the damages, less a deductible. If the car is a total loss, then the insurance company will pay the "actual cash value" of the car, again less the deductible.Your insurance rates will not be affected, since you were not the driver. However, it may be questioned by the insurance company for proof that someone else was driving the car. If they do not believe that you were not the driver, they can increase your insurance rates for an at fault accident. If there was another car involved, that driver may be able to confirm that you were not the driver."|"If I as an owner allowed someone else to drive my car with me in it and got into an accident, will my insurance still cover the accident if I don't know the drivers last name?They were picked up by someone else and I can't get a hold of who they were and don't know how to find out."|"2016-12-27 19:59:52"|"56331"|"Freeport"|"MN"|"https://insurance.freeadvice.com/insurance-questions/claim-question-3746.htm" "2016-11-25 17:40:57"|"auto-insurance-qa"|"I lent my car to visiting father who hit a neighbor's parked car? My ins deductible is $500. I've not yet notified neighbor. What should I do?"|"In auto insurance, the insurance follows the car, regardless of who is driving. So in your case, your car insurance will pay for the damages to your neighbor's car. The damage to your neighbor's car will be covered under property damage and there is no deductible for the damage. You should contact your neighbor and explain what happened and then call your insurance company to file a claim. If there is damage to your car, then the deductible will apply before your insurance company will pay for any damages to your car.Since your father is not listed on your car insurance, your rates will not be affected. If a police report is not filed, then your father's insurance company may not learn of the accident and his rates will not go up. However, if the insurance company does learn of the accident and the overall damage is over $750, his rates could increase."|"Father is retired an on fixed income. I would rather not have him use his insurance?"|"2016-11-26 22:03:08"|"92243"|"El Centro"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-lent-my-car-to-visiting-3742.htm" "2016-11-18 19:56:49"|"auto-insurance-qa"|"my daughter has insurence on a auto we both own are we both covered in case of an accident"|"If you and your daughter co-own a vehicle, then you should both be listed as the named insured on the auto policy. This will protect you both in the event of an accident. . The rates will be based on your daughter's driving record, since she is the primary driver of the car. You will still be covered if you drive her car. Your driving record should not affect the cost of the policy, especially if you have a separate policy for your own car(s) Other drivers should also be covered if they use the car, but check with your agent or insurance company to be sure. Some policies are a "listed driver" policy which only covers the drivers listed on the policy. You need to be sure you know who will be covered in the car in the event of an accident."|"its her insurance but we are both on the title"|"2016-11-22 18:17:50"|"33442"|"Deerfield Beach"|"FL"|"https://insurance.freeadvice.com/insurance-questions/my-daughter-has-insurence-3739.htm" "2016-11-02 22:05:16"|"auto-insurance-qa"|"I never cashed insurance payment because I disagreed with amount. It's been several years...can I still contest it?"|"If you were not satisfied with the settlement on an auto claim, you should have pursued the disagreement promptly. After a five year period, the insurance company will not be willing to review the claim and settlement with you, since many changes could have occurred to your car in that time. Obviously the cost of repairs to your car will be higher now than they would have been five years ago, so even if you go ahead and repair the car, the amount paid by the insurance company will most likely not be enough to make the repairs.You should contact the insurance company and request a replacement check for the $3,000. They should be willing to reissue the check. In fact it is surprising they have not contacted you about the outstanding check, as most insurance companies do contact their policyholders if a check is not cashed within a certain amount of time, usually a year."|"I was hit in NC by a driver running a stop sign and deemed at fault. There was no injury and only physical damage. I got 2 estimates for about $4k to repair. Her insurance co had an adjuster examine it and then sent a check for $3k. I didn't agree to it or cash it and still have it. They said if the repair cost more, they might pay the difference. I was going to contest it but got busy and lost track. I came across the file with the uncashed check and it's been almost 5 years since issued. Can I still contest it? Or should I just have the check reissued and move on? Thanks"|"2016-11-28 17:53:06"|"28607"|"Adams"|"NC"|"https://insurance.freeadvice.com/insurance-questions/i-never-cashed-insurance--3726.htm" "2016-10-27 02:26:52"|"auto-insurance-qa"|"I am a newly licensed driver looking to buy a used car but I know you need an insurance policy before you can, how do i go about getting one?"|"If you are buying a car and will be the only driver of that car, you need to get insurance in your name on the car. You can choose lower liability limits and limited coverage for damages to your car to keep the costs down. Since you are newly licensed, your rates will be higher as the amount of time you were driving without a license will not count. Your mother should not have been allowing you to drive her car while you did not have a license, since she would have been liable had you caused an accident damaging and/or injuring another person. If someone else is going to register the car, then you still need to be listed on that insurance policy to be properly insured while you are driving it. It is not recommended that you do this, because the registered owner is the one liable in the event of an accident. Your driving experience will affect the cost of the insurance whether you register the car in your name or in someone else's name."|"I got my license this past july been driving nearly 2 years before that, but I just recently decided to get my license. Ive been using my moms car for the time being, obviously under her name and insurance policy. I think im finally ready to buy my own car and initally wanted to just go under my moms auto insurance but she already has too many cars and wouldnt be able to fit me in. I found a good used car, I asked the owner what i would need and he said i would need the license of the person who will register the car and car insurance information, what do i have to do?"|"2017-01-07 18:28:15"|"10562"|"Crotonville"|"NY"|"https://insurance.freeadvice.com/insurance-questions/i-am-a-newly-licensed-dri-3709.htm" "2016-10-26 20:06:23"|"auto-insurance-qa"|"How long does an insurance company have to decide on a claim if their policy holder will not return their contacts?"|"Each state is different on the rules and laws of how long an insurance company has to settle a claim. The company does try to contact their client, to get their version of the incident, but cannot do so indefinitely. Since there was a police report, State Farm should be willing to take that report if they cannot contact their client.Your best bet is to call the claims department and ask to speak to a supervisor. Have them explain the time frame to hear from their insured before they have to proceed with your claim. Hold them to that time frame. If they continue to change the time frame or continue to hold you off, tell them you are going to call the Department of Insurance. That will often get them to more forward. If they do not, DO call the Department of Insurance and file a claim. They will contact the company to make them settle the claim."|"My car was hit by a vehicle driven by a State Farm insured. The police did come to the accident scene and there was a report given. The police then issued a accident report indicating the State Farm driver was at fault and a warning to the State Farm driver. To date State Farm as told me many "stories" from "they will definately will take care of me" on 10-10-2016" "by law we need to wait 16 days in order to receive a return call from our client" to "State law requires us to wait 60 days for our client to contact us for his version before we can make a determination"."|"2017-01-07 18:22:51"|"60120"|"Elgin"|"IL"|"https://insurance.freeadvice.com/insurance-questions/how-long-does-an-insuranc-3708.htm" "2016-10-18 17:29:16"|"auto-insurance-qa"|"Rear ended another car. No damage to other car who inspected and drove away. Can i file claim on my car?"|"If you had an auto accident and the only damage was to your car, you can file a claim under your auto insurance policy. It is not necessary to get information on the other driver or to call the police to file a police report. Since the other driver left without exchanging information it is unlikely he will come back to try to claim damage or injuries.As you mentioned, the deductible will apply before your company will pay anything. However, if the damage is over a certain amount, usually around $750, your insurance rates can increase for the accident.You may be better off to get an estimate for the damages to your car and see if you want to file the claim. If you are not going to receive a majority of the cost of the damage, it will be in your best interests to pay for the damages yourself and not file the claim."|"I rear ended at low speed another car. The driver and I got out and we saw that there wasn't any damage and he drove away saying there was no need to call a cop. I was at fault in the incident and noticed after a few minutes that my light had been smashed and needed repairs. Can I file a claim with my insurance company and get it repaired after paying my deductible? Or will they refuse because i didnt exchange insurance info with other motorist? Thanks "|"2016-10-20 20:14:46"|"38018"|"Cordova"|"TN"|"https://insurance.freeadvice.com/insurance-questions/rear-ended-another-car-no-3705.htm" "2016-10-08 06:34:04"|"auto-insurance-qa"|"I had an auto accident and reported the same to our insurance co. only to find out that I had been excluded as a driver on the policy ,our insurance "|"In auto insurance, some insurance companies will exclude a driver in the household due to their driving record. In order to do this, the named insured must sign the exclusion on the policy. Some insurance companies also require the excluded driver to sign the form.On occasions the insurance company will request a new exclusion be signed, which apparently is the case here. While the insurance company should explain to the insured what is being signed, the form is clear in what it is requiring. Your wife should have read the form before signing it, as is the case in any form being requested by the insurance company.Since the form was signed there is no recourse for you in the accident in question. Hopefully there is no major damage or injury involved in the accident and you can pay for the repairs needed. You should also work on getting this resolved with the insurance company and/or finding new insurance."|"co. said my wife signed the from in 2014.After doing some of my own research in to the matter I find out that he excludsion actually took place some five years before in 2011. there was no reason why or who actually excluded me but for sure it wasn't my wife not even when the insurance co. had her sign he excludsion form in 2014 without telling her what it was or explaining to her that I couldn't drive our cars. I never knew nor was I ever told either by verbal conversation or in writing that I was excluded. I could have driven for a number of more years without ever knowing I was excluded. is"|"2016-10-18 14:02:58"|"92881"|"Corona"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-had-an-auto-accident-an-3703.htm" "2016-09-16 16:06:37"|"auto-insurance-qa"|"I have a policy number, can't find the insurence"|"It is virtually impossible to determine an insurance company by the letters at the start of the insurance policy. If you have the name of the driver and contact information, you should try to get more information from them. If you have collision coverage on your car, you can file a claim with your insurance company. They will pay for the damages, less your deductible and then they will try to subrogate against the driver or other insurance company. If they succeed, you will be reimbursed your deductible. This will not be considered an at fault accident.If you do not have collision insurance, or do not want to go in that direction, you may be able to contact the Dept of Insurance in Florida and see if they can help you find out who the other insurance company is. They may be able to determine this with the letters and numbers of the insurance policy."|"I reside in NY. My parked car was side swiped by a car registered at Florida. the police report provide the policy # but not the insurence code. the policy number starts with the letters SEL.which insurance company has policy numbers starting with SEL?"|"2016-09-26 21:39:27"|"11520"|"Freeport"|"NY"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-policy-number-ca-3701.htm" "2016-09-16 03:31:43"|"auto-insurance-qa"|"I was in possession of a vehicle it was stolen from the gas station with the keys in it.I am uninsured and no license will the claim be denied again "|"If you have a claim that has been denied, why are you filing the claim again?"|"The car was stolen from the gas station with the keys in the vehicle and was involved in a shoot out before it was recovered the 6,000$ claim was denied the vehicle was also a lease "|"2016-09-28 19:29:14"|"44130"|"Cleveland"|"OH"|"https://insurance.freeadvice.com/insurance-questions/i-was-in-possession-of-a--3699.htm" "2016-09-14 19:16:01"|"auto-insurance-qa"|"Switching auto insurance and new company is asking for the declaration page fro the previous insurer. Why would they need that?"|"When applying for a new auto insurance policy, the new insurance company will want proof of previous insurance, so they can give the proper discount for having had car insurance. It is not unusual for an insurance company to ask for a copy of the previous policy. However, if your policy does not show him as a driver on the policy, there could be a problem with the discount and eligibility. See if then new company will have a problem with him not being named insured.Your son should talk to the new insurance agent or company and explain that he has been on your policy as a driver.Hopefully the insurance on his car was properly written. He would have needed to be shown as a named insured if the car was only in his name. If he was not named on the policy, hopefully you were on the title of his car at the time of the insurance. If not, there could have been a problem if he had been involved in a serious accident. Your current insurance agent or company should have been sure they understood the title and ownership of the car."|"My son is buying a house and coming off my auto policy onto his own - combining his home and auto. His auto coverage is to start 9/20/16 with another company. They are asking him to send the declaration page from his current company...which this would also include MY other three vehicles. Is there an issue with proving this to the new company?"|"2016-09-28 19:34:14"|"76135"|"Fort Worth"|"TX"|"https://insurance.freeadvice.com/insurance-questions/switching-auto-insurance--3696.htm" "2016-09-14 15:27:12"|"auto-insurance-qa"|"What if I am sued for a claim under a previous insurance company?"|"If you have an open claim involving bodily injury to another party, the new insurance company may decline to offer a new policy until the claim is settled. This is due to the fact that they would have no knowledge of the total claim and the settlement could affect the cost of insurance with the new policy. Discuss the claim with the new insurance company to be sure they are willing to write a new policy for you with the open claim.Your current insurance company will hold the claim open until the settlement is made with the other party, even if you have cancelled your policy with them. How it is handled should not change whether or not you have your insurance with them or not. The insurance company is in charge of the settlement and it should not involve you once they are involved in the claim."|"I am insured by X with a minor accident claim still open [other driver with soft tissue pain - :/) ]. I want to change to insurance company Y. I know that I can change while to claim is open but my concern is how insurance company X will follow through on the claim? Also, what if I change to insurance company Y an 4 years from now, with statute of limitation about to expire, I am served with a lawsuit for this accident. Will insurance company X handle the suit? Will they handle it well? I am really dissatisfied with insurance company X but I feel trapped."|"2016-09-28 19:40:09"|"63376"|"Cottleville"|"MO"|"https://insurance.freeadvice.com/insurance-questions/what-if-i-am-sued-for-a-c-3695.htm" "2016-09-05 16:16:20"|"auto-insurance-qa"|"when you co sign for someone who has insurance are you responsible for any liability as the result of a accident"|"If you co sign for a loan on an auto you are usually also on the title of the car. If there is an auto accident, you and the other owner would be liable if it was the fault of your co signee.When insurance is purchased, be sure to include your name on the insurance policy so that you are protected in the event of an accident. Also, make sure that you have more than minimum liability on the car, especially if you have assets to protect.Sometimes the lender won't require you to be on the title of the car even if you co sign. This can help protect you, but if there is a major accident, attorneys for the other driver may investigate and find that you helped finance the car and may try to sue you. In some states this is not allowed. Check with your insurance agent as well as your financial advisor to be sure you are protected. "|""|"2016-09-09 20:41:55"|"19046"|"Baederwood"|"PA"|"https://insurance.freeadvice.com/insurance-questions/when-you-co-sign-for-some-3684.htm" "2016-09-01 22:15:36"|"auto-insurance-qa"|"Comprehensive insurance"|"what is a PCM?"|"I have full coverage and well as comprehensive coverage. 2006 Nissan Murano. Last thursday my vehicle could had went up in flames because the PCM burnt out on it and damaged a few wire harnesses in my vehicle. My policy clearly states Fire,Wind,Hail,Flood,Vandalism & Theft. Nothing else is said that fire needed to be caused by accident there. Nothing said it will not cover for wear and tear of my PCM. If that was the case why would I be paying for insurance? My question is how do I FIGHT THIS?"|"2016-09-09 20:42:45"|"77474"|"Frydek"|"TX"|"https://insurance.freeadvice.com/insurance-questions/comprehensive-insurance-3682.htm" "2016-09-01 14:40:06"|"auto-insurance-qa"|"A close friend in South Carolina just had their grandson pass the driver's test. He has Asperger's & did not have an attack during the test. "|"Your friends whose grandson has Aspergers need to review their decision to let him drive.There could be an issue if the son has a health issue that can affect his driving. Most insurance companies ask that kind of question when adding a new driver. Even if the question is not asked, the parents do have the duty to reveal the information to the insurance company as well as to the DMV when applying for a driver's license. If the grandson lives with his parents, then the parent's insurance would respond due to any accident caused by their son. If he owns his own car, he would need his own insurance. The policy should follow the titled owner.If there is a major incident caused by the son, the insurance company will investigate and could deny coverage if it is revealed that the parents and/or son withheld medical information. They may want to discuss the situation with the doctor treating the son."|"Due to his mental condition, will his parent's insurance cover them in the event he has an accident due to his condition? Also, were his parents required to disclose his condition to the license bureau and their insurance company? This 15 year old can't even drive a golf cart without crashing it, but managed to get a learner's permit. If anything happens that startles him, he will go into panic mode while driving & no telling what he will do. "|"2016-09-28 23:44:22"|"77345"|"Humble"|"TX"|"https://insurance.freeadvice.com/insurance-questions/a-close-friend-in-south-c-3681.htm" "2016-08-25 20:48:40"|"auto-insurance-qa"|"In this unique case, would be better to contact my insurance, or the other drivers insurance?"|"Since you did not have collision coverage on your car, there is no reason to call your insurance company at this time to report the claim. You may have to report it at a later date if the other driver files a claim against your son for the collision. If they do, your insurance company will have to investigate the claim to determine if your son is liable and if so, for what percentage.Follow up with the other driver's insurance company with the additional information they needed. They will also have to take a statement from their insured driver and determine the percentage of responsibility. It is possible you will get a partial settlement offer since the case of speed would most likely have a greater effect on the resulting accident. However, running a stop sign will make your son partially responsible, whether it was a roll through or not. It was not a full stop."|"Hello,Help!Another driver, without a license, hit my 16 year old son in their school parking lot July 13. Both his parents’ 13 year old car (probably worth about $3,000) and our 3 year old car (worth about $17,000) were totaled. No one was hurt. I have their policy number from the police. My son got a ticket for running a stop sign, based on 3 witnesses. He rolled through it, which everyone does - I could easily prove it by taking video. A body shop mechanic estimated the other driver was doing about 60 mph, in the 15 mph parking lot. The other driver never hit his brakes, as the police noted there were no skid marks. He estimated my son was traveling about 10 mph. I have not contacted my insurance. We only had liability, not collision. My primary is question right now is whether it would be better to contact my insurance (Allstate), or the other drivers insurance (Windhaven in Miami), to attempt to get reimbursement. I have made initial contact with their insurance. They said then they “did not have this information there” to tell if their coverage was active at the time, so it especially seems it would be a big mistake to call my insurance company and tell them about the accident if their coverage was not even active, because then I couldn’t collect anything, right? Right now I am supposed to call Windhaven back with more info, which I now have. Since I don’t know if their coverage was active at the time of the crash, and the details above which makes it unlikely they would sue us (not to mention they are football teammates), I don’t see why at this time I shouldn’t try to avoid my insurance company and try to just go through their insurance company myself. Do you agree? Or by going calling my insurance company do you think they would get me a better reimbursement? I was told by a 3rd party it doesn’t matter whether or not they had collision coverage, that I could still file a claim either way - right?If they did sue me (again, I think highly unlikely), then I could call my insurance company, right?Thank you!"|"2016-08-28 20:56:38"|"33418"|"Palm Beach Gardens"|"FL"|"https://insurance.freeadvice.com/insurance-questions/in-this-unique-case-would-3676.htm" "2016-08-23 20:16:10"|"auto-insurance-qa"|"Does comprehensive cover dimished value?"|"If your car is damaged, either by a collision or a comprehensive loss, the insurance company is not responsible for any diminished value of the car. However, the insurance company is expected to repair the car to its original condition, or as close to that as possible. If the car still has a smell of mold, then more repairs need to be made to the vehicle to get rid of the smell.Water damage is a difficult repair since the water can get into areas of the car that is hard to fix or clean.After the smell is removed then the vehicle's value will be what it is. If all repairs are done correctly then the vehicle should appear to be in the same condition as before the incident. The loss will appear on the history of the car so when it comes time to sell it, the buyer can learn of the claim and may offer a lower amount for the vehicle."|"Hello,I live in Michigan and recently drove into a sink hole. My car filled with water, and so now has decreased value.Comprehensive coverage was used to do the repairs to my vehicle and has been in the shop a few times, but still smells like mold.My insurance company (USAA) claims that I cannot file for diminshed value under comprehensive. I feel that should not be the case since now vehicle is worth almost half of what it was.Can you give me guidance on if this is true or not?Thanks,SGT Thomas, Troy"|"2016-08-23 20:31:09"|"48026"|"Fraser"|"MI"|"https://insurance.freeadvice.com/insurance-questions/does-comprehensive-cover--3672.htm" "2016-08-20 21:17:07"|"auto-insurance-qa"|"can i stop the payment of additional insurance purchased when i bought the car. on a car it car was totaled."|"this is not car insurance, but items sold by dealer."|"my car was totaled 1 week ago. i was trying to figure out if i can end the additional insurances i purchased when i bought the car, ie 7 year warrenty,fiberglass protectionsecurity plus. im trying to lower the payfoo"|"2016-08-23 20:34:05"|"92345"|"Hesperia"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-stop-the-payment-of-3670.htm" "2016-08-18 18:09:10"|"auto-insurance-qa"|"CAR WAS HIT OVER A WEEK AGAIN, THE ADJUSTER CAME OUT TODAY A WEEK AND HALF LATER WHEN ASK WHAT HIS QUOTE WAS HE SAID HE COULD NOT TELL US THAT "|"what is the question?"|""|"2016-08-29 20:06:43"|"31639"|"Nashville"|"GA"|"https://insurance.freeadvice.com/insurance-questions/car-was-hit-over-a-week-a-3667.htm" "2016-08-12 18:31:16"|"auto-insurance-qa"|"what can I do when my truck fire claim is denied by my insurance company all state "|"If your vehicle was damaged or totaled due to a fire the insurance company should cover you for the damage less your deductible. You must have had comprehensive coverage on the vehicle at the time of the loss for this damage to be covered.You should discuss this with your agent as well as with the adjuster. Make sure you had the correct insurance on the truck. If you did, then you should ask to speak with a supervisor to explain why your insurance claim was denied. Since there are no details as to the cause of the fire, it is possible that it was considered an arson fire, and that could have the insurance company concerned as to who started the fire. However, they should make a complete review of the claim and explain if they are denying due to the cause of the fire.If you cannot get a satisfactory answer from the insurance company, you may want to call the Dept of Insurance and have them open a review of the claim."|"I need help understanding why I was denied on my insurance claim for my truck burning up in a fire !!"|"2016-08-13 21:09:00"|"75766"|"Cove Spring"|"TX"|"https://insurance.freeadvice.com/insurance-questions/what-can-i-do-when-my-tru-3660.htm" "2016-08-07 16:25:32"|"auto-insurance-qa"|"Why did my insurance policy go up 20% with no accident or tickets in the last 3 years"|"The costs for auto insurance are based on many factors. Even without any tickets or accidents, there can be an increase.Often times, the insurance company requests a general rate increase from the state. If they can prove their reasons for the increase it is often accepted. Other states have "file and use" rates-they can simply file for an increase and immediately start using the new rates.Also, if you reach a certain age many insurance companies increase the cost of insurance based on the experience they have from older drivers. If you are over 65, 70 or 80 you can see a marked increase in your insurance costs.If you have no tickets or accidents, you can shop around for better costs for your insurance. If you have homeowner insurance, see if they will give a discount for having your auto insurance too. You can check with many companies online for a better rate."|""|"2016-08-14 19:07:39"|"56362"|"Lake Henry"|"MN"|"https://insurance.freeadvice.com/insurance-questions/why-did-my-insurance-poli-3657.htm" "2016-08-03 03:07:46"|"auto-insurance-qa"|"do I have the right to request another insurance company to get estimates if I feel there adjuster is to high?"|"If your daughter caused an accident and damaged the other person's car, they have the right to go through their insurance company to pay for the repairs. While a sagging bumper does not seem like an expensive repair, if the clips are broken that hold the bumper, then the entire bumper needs to be replaced including the clips holding it on. This can run over $1000.You can ask the insurance company again for a copy of their estimate and they should respond. If nothing received call asking for a supervisor to review the claim. Many adjusters will do their own estimates without getting estimates from a repair shop, so that is not unusual.If, during the accident, there was someone in the car, it would be better to let your insurance company handle the claim. They can verify the damage and cost plus the other driver could come along later and claim an injury. If you have already paid for the car repairs then your insurance company could decline to defend you for the claimed injuries."|"My daughter got in an accident she was at fault. The other party turned the claim into his insurance they sent out and adjuster and cut him a check for what the adjuster said without getting any estimates. We have asked for pictures and Estimates right away and have still never received. the party stated the only problem was a sagging bumper. We feel $1500 to fix a sagging bumper was a lot. We were trying not to turn into our insurance since my daughter is a teen. Do we have a right to request estimates to verify cost?"|"2016-08-29 20:20:10"|"45315"|"Clayton"|"OH"|"https://insurance.freeadvice.com/insurance-questions/do-i-have-the-right-to-re-3653.htm" "2016-08-02 08:34:00"|"auto-insurance-qa"|"Insurance Limits. My daughter was a passenger in a fatal car accident. The driver has 25,000 coverage. "|"If your daughter was killed in a car accident and the other driver does not have enough insurance, you can file a claim with your insurance company under the uninsured/underinsured motorist coverage. If you have filed for this with your insurance company, they will only pay the amount shown on your insurance policy for the limit of coverage. It appears that is $100,000.The driver's insurance company would pay the $25000 if they have accepted liability for the accident. That would have to come from them, not your insurance company. If you have not filed a claim with them, do so and let that insurance company work on the settlement.The payment will be made in the name of your daughter, since she was the person who suffered the injury/death. Check with both companies to see how they will handle this since she died in the accident. It does not matter that you are the policyholder in this case."|"My auto declaration page shows bodily injury at 100,000 each person auto liability and also the same limit under uninsured motorist insurance. The insurance company says payment will be 100,000. Shouldn't it be 125,000? My daughter was listed as an additional driver on my policy. Also, will payment be made to the estate? I am the policy owner."|"2016-08-14 19:12:57"|"23116"|"Mechanicsville"|"VA"|"https://insurance.freeadvice.com/insurance-questions/insurance-limits-my-daugh-3651.htm" "2016-08-02 04:31:02"|"auto-insurance-qa"|"Will my (the driver's) auto insurance policy cover the damages to the car I was driving (my aunt's) if I got into an accident in her car?"|"In auto insurance, if there is an accident, the insurance follows the car. You do not indicate if there was another vehicle involved, but if so, your aunt's insurance will pay for the damages to that car.Since she did not have collision coverage on her car, there would be no insurance coverage from her policy for the damages to her car.She could try to file a claim against you for the damages, as damage to property of others. Some insurance companies will accept liability for this type of damage and will pay for the repairs. Others will not, since it was her car that caused the accident, even though she was not the driver. Whether or not your insurance company pays for your aunt's car, you could be charged with an at fault accident which will increase your premium. Your aunt's insurance will not be affected since you are not a driver under her policy and she was not driving when the accident occurred."|"I got into an accident in my aunt's car. She just has liability. I, however, have coverage with deductible. Does my insurance cover her car because I was driving it when I got into the accident?"|"2016-08-29 20:13:03"|"38358"|"Milan"|"TN"|"https://insurance.freeadvice.com/insurance-questions/will-my-the-driver-s-auto-3650.htm" "2016-08-01 17:01:23"|"auto-insurance-qa"|"If i cause a accident and i have full coverage insurance am i personaly responcible for other autos damage."|"If you cause an auto accident, your insurance company should pay for the damages to the other person's car. If the other car is considered a total loss, then your insurance company will pay the actual cash value of the other person's car.Your liability limit on the policy determines how much insurance you have for the damage to the car. This is usually listed under the property damage limit of the policy. If your property damage limit is below the cost to repair or replace the other car, then you can be held responsible for the difference between your insurance limit and the amount of damage.If there were injuries to the other party, then your bodily injury limit will pay for the injuries, up to the limits of the policy. Again, if your bodily injury limit is not enough, you can be held responsible for the difference."|""|"2016-08-13 21:17:12"|"38063"|"Ripley"|"TN"|"https://insurance.freeadvice.com/insurance-questions/if-i-cause-a-accident-and-3649.htm" "2016-07-24 22:25:11"|"auto-insurance-qa"|"Gap Insurance or Bad equity"|"this is not an insurance issue"|"I traded in my car twice thinking the car sales place was honest. Make the story short. I bought a 2014 Rm pickup from a dodge dealership. I ended up trading that truck in, the next one for a supposedly cheaper car that they said my payment would go down. It did, $1.00 . To start with, I paid 11,000 cash down on the first truck, Traded that in for a 2015 truck w/more options. Saw that was too much and told them to help me get payment down, traded for 2015 Dodge Journey now worth-most 18,000. After a year I owe 32,000. Help!"|"2016-08-13 21:19:05"|"85745"|"Tucson"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/gap-insurance-or-bad-equi-3639.htm" "2016-07-03 15:58:25"|"auto-insurance-qa"|"Did my agent categorize my accident wrong to get more money from me through higher premiums?"|"If you struck a pothole and spun out on the roadway, the actual claim should have been under your collision coverage. In that case, the collision would have been considered an at fault accident, which would have caused an increase in your premium. The pothole is considered the "fixed object", so the description would be accurate in the report.If the accident had been settled under your comprehensive coverage your rates would not have been affected, but striking any object, other than a deer, is considered collision and is subject to rates that reflect the accident.Check with your insurance agent or insurance company to confirm the claim was paid under the collision portion of your insurance. You will probably find that it was paid in that manner. If they settled it under comprehensive, you then have a viable argument that the insurance rates should not have been affected by this incident."|"I spun out on the freeway after going over a huge pothole in the rain. My wheel came off and caused some damage. My comprehensive covered it, but my premium shot through the roof as a result. On the claim I noticed they classified it as "struck fixed object" which isn't entirely accurate. Is there another classification they should have / could have used for the accident which wouldn't result in such high penalties?Thanks."|"2016-08-14 19:21:34"|"55404"|"Minneapolis"|"MN"|"https://insurance.freeadvice.com/insurance-questions/did-my-agent-categorize-m-3622.htm" "2016-06-30 23:48:27"|"auto-insurance-qa"|"what do i pay for when i pay my car insurance. the car and driver or just per cat?"|"Auto insurance rates are based on several factors. These include the type of car, the liability limits selected, the driving record of the driver(s) on the policy.If you purchase full coverage on the car then the premium is charged for those additional coverages based on the deductible selected.If you are on your parents policy, they should be included on the title of the car, unless your name is on the policy as a policyholder. If you are just a driver on the policy, you really should get a separate policy for your car. However, by getting a separate policy you can lose discounts that may apply to your parents policy. However you can elect lower liability rates by getting your own policy, which can help reduce your costs. Then discuss it with your parents and decide the best way to insure your car. Talk to your insurance agent or company about a quote for a separate policy for you covering just your car."|"my mom says i pay for insurance as a driver and on my car but when i ask my insurance company why my cost is they only list my car, what do i really pay for? i am under my parents policy paying for my own car that i own."|"2016-06-30 23:56:53"|"80010"|"Aurora"|"CO"|"https://insurance.freeadvice.com/insurance-questions/what-do-i-pay-for-when-i--3620.htm" "2016-06-28 23:30:35"|"auto-insurance-qa"|"Coverage"|"If your daughter splits time between living with you and her father, she needs to be listed as a driver on one or the other insurance policy. Whichever policy she is added to will be affected by the driving experience and driving record of your daughter. She should then be able to drive either your car or his at any time.Be sure that both policies allow occasional drivers to use the cars even if they are not listed on the policy. This is the "normal" auto policy, but there are some policies that restrict drivers to those listed on the policy. If she does not have any tickets or accidents, thIf there is an accident caused by your daughter, the car she was driving will be the policy that will respond to the accident. However, the rates for her accident will only apply to the policy she is listed on. "|"My 18 year old daughter stay with me and sometime with her father do I have to put her on my car insurance or would she be covered if I have given her permission to drive one of my vehicles we live in the st of VA?"|"2016-07-01 00:09:05"|"22922"|"Arrington"|"VA"|"https://insurance.freeadvice.com/insurance-questions/coverage-3616.htm" "2016-06-26 15:16:47"|"auto-insurance-qa"|"Does SC insurance pay if a non insured driver causes an accident?"|"If the auto insurance on the truck did not have a specified driver limitation, there should be no question as to that insurance company taking responsibility and repairing your vehicle. Most auto insurance policies do not have that specification so you should be ok. If the driver is not listed on the policy, the rates for the owner of the truck should not be affected, as the incident will go on the driving record of the driver. If he has his own insurance, then his rates could be affected in the future.However, if there is an exclusion, you would be better off contacting your insurance company and filing a claim with them. It will not affect your insurance rates, but you will have to pay your deductible. After your car is fixed, your insurance company will go to the driver of the truck and attempt to recover the amount of money spent. If they are successful, then you will get your deductible back."|"I was parked in the driveway of a friend. The truck that was parked in front of me backed straight into my SUV. I was still in my vehicle. The driver of the truck is not listed on their insurance policy?"|"2016-06-26 17:07:17"|"29626"|"Anderson"|"SC"|"https://insurance.freeadvice.com/insurance-questions/does-sc-insurance-pay-if--3613.htm" "2016-06-23 21:04:32"|"auto-insurance-qa"|"my mother is deceased , I am on her insurance policy"|"In auto insurance the insurance follows the car. If there is an accident, then the insurance company covering your mother's vehicle will pay for damages and injuries if you cause an accident. It is also a "plus" that you are listed on the policy as a driver, since some insurance companies restrict their coverage to listed drivers.You can continue to drive your mother's car until things can be settle as far as ownership goes. However, when you transfer the title, you will need to get a new insurance policy in your name. If you already have insurance on another car, you can add the car to your policy. If you do not have a policy you will have to get one. A good starting point may be with the company that insures the car now. They have a record of your driving experience so may offer the best rate. However, it is always good to shop around. If you have a homeowner insurance policy, or renters policy that company may offer a discount for having both car and home with them."|"My mother just passed away , the title is still in her name. I am on her insurance policy but have not informed the insurance company of her passing. She does have an estate ,which my brother is executor, I did go to DMV they gave me a form for my brother to sign so he can relinquish his half of the vehicle but he is out of town. As I am on her policy is it ok for me to drive her car until the title is transferred to me. Of course I know I can drive it but if I get into an accident what happens. Again I am on her policy but it is in her name."|"2016-06-25 18:22:29"|"33417"|"Haverhill"|"FL"|"https://insurance.freeadvice.com/insurance-questions/my-mother-is-deceased-i-a-3611.htm" "2016-06-23 18:43:44"|"auto-insurance-qa"|"How far back can a moving violation be used against you to make auto insurance higher"|"Each auto insurance company has its own way of rating auto policies based on driving records. Also, the type of violation can affect the length of time a ticket can be charged. If there is a major violation, such as DUI, that will apply much longer than a speeding ticket, or red light violation. In addition, insurance companies may go back further to review a record if you are just applying for insurance versus renewing your policy with them.You also indicate "at fault" which is usually what is referred to in an auto accident. Again, the time frame of charging for an accident can vary if there is bodily injury involved in the accident.If you feel something can be adjusted with DMV, you should go ahead and correct any mistakes you think are on your record. It is not simple to do it, but if you have the correct paperwork you can get a ticket or accident removed."|"2 moving violations in Rochester ny in 2007 and 1 they say at fault but should really be not at fault in 2013 in south carolina. I can go to DMV and fix that."|"2016-06-26 17:11:52"|"29169"|"Cayce"|"SC"|"https://insurance.freeadvice.com/insurance-questions/how-far-back-can-a-moving-3610.htm" "2016-06-20 17:08:23"|"auto-insurance-qa"|"my insurance company made changes to my policy without my consent they drop all my coverage from full coverage to libelity without my knowledge"|"It is unusual for an insurance company to drop coverage on your policy without either your request or without notifying you of the change.You need to review the insurance policy that you received to make sure it included full coverage as you had expected. If it is shown on the policy then you need to contact the agent and/or insurance company to see why the coverage was changed.Some insurance companies require additional information to continue full coverage and if you do not provide them with the required information they may drop some coverage. However, they must notify you of what is needed to continue the coverage and give you a cut off date to receive the information. If they dropped coverage you can ask for proof that they notified you of the changes. If they did drop the coverage, you should have received a refund for the reduced coverage. If you cashed that return premium check, then you had basically accepted the reduced insurance coverage."|"I have tried to see how that is possible then I found after I was hit that I didn't have full coverage at all "|"2016-06-21 20:07:03"|"22306"|"Alexandria"|"VA"|"https://insurance.freeadvice.com/insurance-questions/my-insurance-company-made-3605.htm" "2016-06-19 14:49:39"|"auto-insurance-qa"|"I was in a accident how Long do I have to wait to get a new & what happened if the insurance doesn't pay my car off. "|"Each state has its own regulations regarding settlement of a claim. The insurance company has to investigate, determine fault, get statements, etc. If you are responsible, then your insurance company will apply the deductible. If it is the other driver's fault then you can work through them, or go through your company and have them then go after the other insurance company. You would then get your deductible back if they receive full reimbursement.The amount you get for the car is based on the current actual cash value of the car. This may not be enough to pay off the car. You can negotiate with the insurance company, but you will have to prove your claim through local values determined through the internet, local ads and dealers. The insurance company is not responsible for any difference between the actual cash value of the car and what you owe on it. Sometimes you can purchase "full car replacement" on a new car. This is something to consider if you purchase a new car in the future."|""|"2016-06-19 18:16:20"|"42431"|"Madisonville"|"KY"|"https://insurance.freeadvice.com/insurance-questions/i-was-in-a-accident-how-l-3601.htm" "2016-06-14 03:05:34"|"auto-insurance-qa"|"If I'm under 18 and am currently on my parents insurance and have gotten into an accident will it affect me when I get my own insurance?"|"If you are currently listed as a driver on your parent's insurance policy and have a chargeable accident, then there is a surcharge on their insurance policy for your accident. If there was no injury in the accident the surcharge will be lower than if there was bodily injury.If you get your own car and get a separate insurance policy the surcharge for the accident will move over to your insurance policy and come off of your parents policy. Considering your age and already having an at fault accident, your rates could be substantially higher, since you will not be eligible for the multi car discount that your parents are probably receiving.Shop around for insurance, but consider the company that your parents are using since they will have a history with you and you may be eligible for some discounts from your parents.Even though you will be removed as a listed driver on your parents policy, you will still be able to drive their car."|""|"2016-06-21 20:12:36"|"06786"|"Terryville"|"CT"|"https://insurance.freeadvice.com/insurance-questions/if-i-m-under-18-and-am-cu-3595.htm" "2016-06-13 01:22:12"|"auto-insurance-qa"|"How much will my insurance premium go up with three points on license?"|"too many rates to suggest the cost. Ask your insurance company"|"How much will my insurance premium go up with three points on license? My insurance company is AAA Auto Club of the South and I am 17 with two other parents on my plan designated as safe drivers. If I were to get a speeding ticket for 10 MPH over the speed limit and accumulate 3 points on my license (My lifetime record is currently 0 points), how much of a premium increase should I expect?"|"2016-06-21 20:13:29"|"32082"|"Ponte Vedra"|"FL"|"https://insurance.freeadvice.com/insurance-questions/how-much-will-my-insuranc-3593.htm" "2016-06-10 14:47:26"|"auto-insurance-qa"|"after I pay for insurance for 6mos can the insurance co. charge me more money before the 6 mos is over"|"If you received a quote for auto insurance and the insurance company has changed the premium, it is most likely that your driving record is different from what you had indicated on your application. You need to call your agent or insurance company and find out why they are increasing the premium this late in the policy term.It is possible there was a miscommunication and the $187 was merely a down payment for the policy. Since you didn't indicate what the limits are and if you have full coverage or not, it is hard to fully explain the problem.Review the quote you received from the agent or company and review the insurance policy that was sent to you. The answers may be there, since the policy should show the full premium for the six month term. If it shows the premium you paid you really need to talk to someone to get this cleared up."|"I paid for insurance for april 1st to Oct1st now the insurance co. is telling me if I don't give them another $759.64 my policy will end june 21st that's not the amount they told me it would cost they told me $187 would cover me for 6 months I'm making no clame and didn't have an accident"|"2016-06-28 21:44:37"|"27292"|"Arcadia"|"NC"|"https://insurance.freeadvice.com/insurance-questions/after-i-pay-for-insurance-3589.htm" "2016-06-07 03:55:34"|"auto-insurance-qa"|"I have insurance on one car but am thinking about adding a truck.. I am the only person on my policy. Do I have to pay double premium"|"In auto insurance you usually save money for having multiple cars on your policy. The discount varies but is usually around 15% to 20%. This discount applies to both vehicles, so the cost of your current vehicle will go down.The cost of the insurance on the truck will depend upon the year, make and model, presuming you will be insuring it for full coverage (comprehensive & collision). The liability will be based on your driving record. If you have a ticket or accident, the surcharge for those will be applied only to one vehicle, but it will be applied to the most expensive vehicle to insure.Many insurance companies also rate based on annual mileage. Since you will have two vehicles, the annual mileage for each will probably be less, thus saving you money. Talk to your agent or insurance company and get a ball park figure for insuring the kind of truck you are considering. That will help you decide if you want the extra vehicle."|""|"2016-06-22 20:15:03"|"17402"|"East York"|"PA"|"https://insurance.freeadvice.com/insurance-questions/i-have-insurance-on-one-c-3581.htm" "2016-05-09 22:20:50"|"auto-insurance-qa"|"I need an insurance quote for a Nissan Rogue 21 yr old driver. This is for a college class assignment. It won't be a real quote."|"we don't offer quotes here."|""|"2016-08-30 21:31:09"|"28412"|"Wilmington"|"NC"|"https://insurance.freeadvice.com/insurance-questions/i-need-an-insurance-quote-3527.htm" "2016-05-06 23:03:25"|"auto-insurance-qa"|"With comprehensive coverage, am I covered if I go out and buy another car, before i call and add it to my policy?"|"Comprehensive coverage provides coverage if your car is damaged due to anything except a collision (other than a collision with an animal). This includes fire, theft, vandalism, falling objects, weather related losses such as hail or flood damage.If you go out and buy another car, your current insurance policy will cover the new car for liability and any other coverages you may have on the current car. If you do not have collision coverage on your current car and you are financing the new car, you will need to call immediately to have that added to the policy. The time frame can vary from 10 to 30 days on the current insurance on the car. You can read your insurance policy or call and ask your agent or insurance company what the time frame is. If you do not call within that time frame, then there will be no insurance on the new car, so be sure to call as soon as you can."|""|"2016-08-30 21:29:59"|"98604"|"Battle Ground"|"WA"|"https://insurance.freeadvice.com/insurance-questions/with-comprehensive-covera-3523.htm" "2016-05-04 22:16:55"|"auto-insurance-qa"|"Does the person who hit my vehicle have to pay if shes at fault even though there was no police intervention or if i don't have insurance?"|"If you have been hit in an accident, and the other driver is not responding to your calls, you should go ahead and contact her insurance company to report the claim. They may not proceed until they hear from their driver, but it will get them to be in touch with her to get her version of the story.Since you didn't have insurance on your car, it may be difficult to settle. Canada may have other rules about driving without insurance. However, if they let you into the country without proof of insurance, it may not have been an issue to them. You can continue to follow up with the insurance company, but, again, they will not proceed with the claim until they talk to their insured. You may want to continue calling her to make sure that she does actually report the claim to her company. Until she does you will have to wait for any settlement from her insurance company."|"I was in Canada last Friday and while i was on highway a woman hit my vehicle from behind. In canada i dont have phone servicve. but the woman didnt call the police either. I did not have insurance at the scene but the person who hit me was completelly at fault. Also i did get a picture of her insurance and drivers license and carplates. however i havent heard back from her i gave her my information and a picture of my id aswell. not my insurance because i dont have one. should i call the insurer or wait for them to contact"|"2016-08-30 21:19:10"|"98226"|"Bakerview"|"WA"|"https://insurance.freeadvice.com/insurance-questions/does-the-person-who-hit-m-3519.htm" "2016-05-03 16:32:16"|"auto-insurance-qa"|"Liability when loaning a vehicle to a fully insured individual"|"When there is an automobile accident, the insurance follows the car no matter who is driving. Even though your friend has his own insurance, it would not apply in this incident. In the case where your friend was using your truck and struck a pole, the damage to the pole is covered under your policy.Since you were not driving and the friend is not listed on your insurance policy, your insurance rates should not be affected by this claim. Contact your insurance company to have them settle the damages and costs for the light pole. If you continue to hear from the city about the pole, give them your insurance company information and claim number if you have it. They will then settle the claim with the company.If there is a report on this incident, your friend's insurance may be affected depending upon the amount of damage. It can be considered an at fault accident which may increase his premium."|"I loaned my truck to a friend after having confirmed that he is 100% fully insured.He backed into a municipal light pole and it fell down (no damage to my truck).I've always thought that if you loan a vehicle to a person who is fully insured, then THEY are liable through their insurer for any damage to your vehicle or any other property while the vehicle is under their control. The friend is willing, but my insurance is not. The City who owns the pole is seeking to recover from ME and my insurance, How can I best handle this?"|"2016-10-01 22:23:45"|"22611"|"Berryville"|"VA"|"https://insurance.freeadvice.com/insurance-questions/liability-when-loaning-a--3515.htm" "2016-05-02 21:36:30"|"auto-insurance-qa"|"Person who hit my car is refusing to file claim?"|"If the other driver in an accident refuses to cooperate, you are right to turn the claim over to your insurance company. If you have collision coverage on the car, your insurance company will pay for the repairs, less the deductible. Since you had information on the other driver, they will contact them for a settlement. If they don't cooperate, you did have the insurance policy number and your company can contact the other insurance company to try to resolve this.If your insurance company is successful in subrogating the claim through the other insurance company, you will receive your deductible back. If they are not successful, you could try to go to small claims court to get the deductible back.Since you had the drivers license number and phone number, and later the policy number, it seems logical that you would not have that information unless it was voluntarily given by the other driver. Your insurance company can also use that premise in an attempt to resolve the claim."|"My mothers vehicle was rear ended two days ago. The young lady who caused the accident gave my mother her license and phone number. I reached the young lady on the phone to which she agreed to file a claim and also gave me her policy number. Two days go by without any news so I tried calling her but without any luck. Few minutes later the young lady's mother instead calls me and claims that I have no proof of her daughter hitting my mother's vehicle and eventually hung up on me.I gave my own insurance company every information I had on her.Should I do anything else while they investigate?"|"2016-10-01 22:16:39"|"33073"|"Coconut Creek"|"FL"|"https://insurance.freeadvice.com/insurance-questions/person-who-hit-my-car-is--3511.htm" "2016-05-01 17:28:26"|"auto-insurance-qa"|"friend it by another person totaled both vehicles. his insurence company not offering enough to replace car and only covering rental for a few weeks, "|"In an auto accident, the insurance company for the responsible party will only pay the actual cash value of the car destroyed at the time of the loss. If your friend does not feel the offer is sufficient, she can try to find other sites to provide a higher value for the car. This can be the Kelly Blue Book, online sites, but only for the area where she lives or ads in the newspaper. If she provides proof of higher value, the other insurance company may be willing to increase the offer. However, actual cash value is not usually what she may feel the car is worth. Since the insurance company has made an offer, they will only provide rental coverage for the time it will take to settle the claim. If she promptly provides higher valuation, they may extend the rental car time, but not by much. If she has collision coverage on her car, she may check with her insurance company about a settlement offer and rental car coverage and let them deal with the other insurance company. She will have to pay her deductible though, until settled. "|"is there any way for her to fight the other drivers insurence company to give the value of her car and cover a rental until situation resolved? She had no fault she was parked when he hit her vehicle."|"2016-05-01 19:58:29"|"13668"|"Hewittville"|"NY"|"https://insurance.freeadvice.com/insurance-questions/friend-it-by-another-pers-3509.htm" "2016-04-30 11:52:07"|"auto-insurance-qa"|"how long after an accident do I have to wait before another insurance company will accept for a quote"|"Each insurance company is different regarding quotes offered on auto insurance. Usually, if the accident was not at fault, most insurance companies will offer a quote, presuming the claim has been settled a closed. If there is an at fault accident then insurance companies may not be willing to offer a quote for at least a year. If there was bodily injury involved in the accident, then it may be longer before a quote is offered. You may want to wait until your insurance company provides a renewal quote to you after the accident before shopping around, just to be sure that you know what you are shopping for. If your accident wasn't your fault, your rates with your current company should not go up so it may not be necessary to shop around for a better price.If you still want to shop around, check with your homeowner insurance carrier as they often offer a discount if they have both the home and auto insurance."|"I was checking for an insurance quote and the agent said that an accident at fault or not they could note quote for three years."|"2016-05-01 20:04:08"|"85031"|"Phoenix"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/how-long-after-an-acciden-3508.htm" "2016-03-28 22:20:09"|"auto-insurance-qa"|"reporting an accident that happened three days ago"|"If you backed into another person's unoccupied car, you do have the option of paying for the repairs yourself. It is unclear why the neighbor wants you to report the incident to your insurance company, but you can do that if you wish.A police report is not required for any incident on private property and would not really serve much purpose in this case.If the damage to the other car is under a certain amount, usually $500-$750 the claim should not affect your insurance rates. Maybe you can ask the neighbor to get an estimate first so you can be prepared if the damages are that high.Of course, you can go ahead and call your insurance company and file the claim. Even if it has been a few days, they will process the claim. You can also explain that the other people have been out of town, but it should not be a problem."|"My question is, my husband backed into my neighbors car while pulling our of our driveway. We called them right away because they were not home and told them what happened and agreed to talk about it when they got home. My husband told them to get an estimate and we would pay for all the damages, but our neighbor would now like us to submit it to our insurance company. So will we need to get a police report? and will they give one more than three days after the accident happened"|"2016-03-29 17:19:53"|"49505"|"Grand Rapids"|"MI"|"https://insurance.freeadvice.com/insurance-questions/reporting-an-accident-tha-3440.htm" "2016-03-28 21:44:55"|"auto-insurance-qa"|"If I buy another vehicle with no intention of using it for 9 months, do I still need to get auto insurance on it? Theft /Fire covered by homeowners?"|"If you have a car that is garaged and will not be used for an extended period of time, you can have the insurance suspended by your insurance company. If the insurance company does not allow this, you can cancel the insurance on the vehicle and reinstate it when you decide to start driving it. However, if you decide you need to use the car, you must call your insurance company before you drive it. It is unlikely they will reinstate the insurance for just a day or two, you will have to insure it for a minimum amount of time.Even if the car is garaged, if there is a fire or theft from the garage, your homeowner insurance will NOT cover the car. Automobiles are specifically excluded from homeowner insurance. If you are worried about fire & theft, ask your insurance company to insure the car for physical damage only since it will not be operated. Most insurance companies will do this."|"I would keep it stored in my garage until next January 2017. Why would I pay for 9 months of insurance if I won't be driving the vehicle?"|"2016-03-29 17:13:53"|"54301"|"Allouez"|"WI"|"https://insurance.freeadvice.com/insurance-questions/if-i-buy-another-vehicle--3439.htm" "2016-03-25 14:40:03"|"auto-insurance-qa"|"can insurance company deduct money from settlement to cover storage fees at a garage?"|"If you have an auto accident and the other driver's insurance company takes responsibility, then they can set limits on parts of the settlement they offer.It's not clear if you were going to use a different repair garage than the one they wanted, but if you were going to use theirs, you should have been willing to move the car. If you were going to use a different garage, you should have tried to work with that garage to take the car while settlement was being resolved.The insurance company clearly told you they would only pay storage til March 16th. Since it was not settled by then you should have either moved your car or tried to get them to extend the storage time. Storage fees are usually very high, so it is understandable that the insurance company would not continue to pay them if it was avoidable. "|"Auto involved in accident 3/5/16. Other drivers company took 100% responsibility. They tried to get me to move car to their garage. When I refused they said they would only pay storage until 3/16. We didn't reach settlement until 3/23. Now company wants to deduct from settlement for the extra days from 3/16 to 3/23. Can they do this?"|"2016-03-25 21:17:33"|"10312"|"Staten Island"|"NY"|"https://insurance.freeadvice.com/insurance-questions/can-insurance-company-ded-3436.htm" "2016-03-23 23:11:10"|"auto-insurance-qa"|"Moving to a new state?"|"this is not an insurance question. Call Tenn DMV"|"I have a 2-month old car registered/insured in Massachusetts. My insurance carrier is State Farm. I just moved to Nashville, Tennessee, and I need to switch over to Tennessee State Farm insurance. Will I immediately have to change my car registration as well, or can it remain in Massachusetts? I already paid the high registration fee in MA for the year and would prefer not to transfer the registration to TN yet. "|"2016-03-25 21:18:45"|"37208"|"Nashville"|"TN"|"https://insurance.freeadvice.com/insurance-questions/moving-to-a-new-state-3431.htm" "2016-03-23 21:34:17"|"auto-insurance-qa"|"can my policy be changed from full coverage to liability without my consent"|"Each state has its own rules and regulations in reference to car insurance. If your insurance company is requiring a consent form in order to continue the full coverage insurance on your car, ask the agent to send a new form, or go by their office to get the form and complete it. The agent should have contacted you in the first place to tell you to expect the form and to return it promptly. They also should have called you when they knew the coverage was going to be removed from your policy. You should have received a notice from the insurance company that they were preparing to drop the coverage. However, the insurance company should be willing to reinstate the full coverage option on your policy when they get the form. If the bank learns there is no physical damage coverage on your car, they can place coverage to maintain the proper insurance. They can charge you for the cost of this insurance until you obtain your own insurance through your policy."|"I purchased a car with a loan and had to have full coverage to do so. My agent informs me that my coverage was dropped to liability for failure to sign a consent form mailed out after my purchase can they do this"|"2016-03-28 16:52:36"|"28376"|"Raeford"|"NC"|"https://insurance.freeadvice.com/insurance-questions/can-my-policy-be-changed--3430.htm" "2016-03-21 14:19:48"|"auto-insurance-qa"|"can I buy liability ins for me, to cover several cars i own?"|"Automobile insurance is intended to insure cars that are owned by the named insured. You cannot simply insure yourself as a driver and not name the car.If you own several cars, you need to insure each of them. You can reduce costs by only purchasing liability insurance on any or all of the cars, rather than coverage for comprehensive and collision. You can mix or match the coverages as you wish. You can also save money insuring all of the cars since you will get a multi car discount for having more than one car insured with the same insurance company. Also, any good driver discounts will apply to each car. Also, many insurance companies give a discount based on the number of miles driven. If you rarely drive one or more of the cars, then you can save money based on the mileage.Talk to an insurance agent about the least expensive way to insure the cars. It is not recommended that you only insure one or two of the cars, since you may decide to drive one of the uninsured cars and you could have a problem if there were an accident."|"I'm the only driver of five cars. I want to insure me not the cars."|"2016-03-28 17:11:12"|"83403"|"Idaho Falls"|"ID"|"https://insurance.freeadvice.com/insurance-questions/can-i-buy-liability-ins-f-3424.htm" "2016-03-21 01:53:08"|"auto-insurance-qa"|"I have a brand new car worth Out of door price 17758$. I rear ended someone on the highway, how much money will I get if totalled?"|"Auto insurance covers the actual cash value of a car. If you have an accident and the car is totaled, you will not receive the amount that you paid for the car even if it brand new. Cars depreciate the minute they are driven off the lot. The insurance company will base the settlement offer on the current value of your car. This is determined by local costs for a similar car and/or reviewing the Kelly Blue book or a similar publication.If you rear ended another car, even though the speeds changed drastically, it is still your fault. You should have been maintaining a safe distance from the car in front of you, so that you could stop in time if they suddenly stopped.The cost of any increase in your premium is based on several factors. There is a dollar limit before your rates increase, but if your car is totaled, or severely damaged, you have exceeded that threshold. If there were injuries due to the accident then your rates will go up quite a bit more, since you would not only be charged with the accident, but you would lose your good driver discount."|"I had a brand new 2016 corolla for 17758 out of door price. on the highway, traffic congestion caused a 60-0 mph in 2 seconds and I hit a car in front of me. Is there no way to split the fault in any case? If my car gets totaled , how much money can I expect from Allstate insurance. How much will my premium increase in that case? Will I also have to pay for the damages to the other car if it counts entirely as my fault? Will that also increase my premium?"|"2016-03-28 16:58:52"|"94536"|"Fremont"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-brand-new-car-wo-3423.htm" "2016-03-19 18:33:05"|"auto-insurance-qa"|"FENDER BENDER ISSUES!"|"If you have an accident with another vehicle, it is never a good idea to try to settle it on your own. In your case, you are seeing that the amount of damage can get inflated, and you have already made the case more difficult for your insurance company. They could deny your claim since you already tried to settle it. The other driver can also decide that they were injured which would further exacerbate the case.You should tell the other driver that you have decided to file the claim with your insurance company and that they will be contacting him directly. If he continues to call you, tell him he has to speak with your insurance company and refuse any further calls. Then call your company and give all the details of the accident and what has occurred since. Ask if they want you to file a police report or not. They may not feel it is necessary at this point."|"Recently i was driving and we had both stopped to make a right, he began to move then slammed on his brakes, i tapped the bumper. there was no damage to my car, very minimal damage to his car. Paint was scraped, the car was beat up already. He didn't want to involve police or insurance. was very minimal, i agreed, and gave him my phone number so i could assist pay the damage. He came to see me and i gave him $ to repair. Now he's calling that he's getting estimates 10X what we agreed upon. Seems ridiculous, should i call insurance now? file a police report now? any advice?"|"2016-03-20 19:32:20"|"11520"|"Freeport"|"NY"|"https://insurance.freeadvice.com/insurance-questions/fender-bender-issues-3420.htm" "2016-03-19 15:55:18"|"auto-insurance-qa"|"Can I switch car insurer's while I have a claim pending, if so does my current insurance still have to process the claim even if I switch carriers?"|"You can change your auto insurance carrier at any time you feel you need to. The previous company will have to continue to handle the existing claim, since that was where you were insured at the time of the accident.Before moving your insurance, make sure the new company is aware of the pending claim. It seems apparent there will be injuries involved with the settlement of the claim, which will result in an increase in your premium. Make sure you get a quote from the new company including the claim, and presume it to have the bodily injury. Their rates may not be that much better, and they may decide that they don't want a new policy with you since there is a recent bodily injury claim. It is also possible they will want to wait until the claim is settled, so they will know exactly how large the claim is."|"I am coming up on my renewal period and have I have found lower rates with another carrier, however I have a claim still pending for an accident my vehicle was involved in. My son was driving my vehicle and struck a pedestrian, should I wait until my claim is resolved before I switch carriers?"|"2016-03-20 19:36:14"|"19141"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/can-i-switch-car-insurer--3419.htm" "2016-03-16 12:35:09"|"auto-insurance-qa"|"My stated value and other driver at fault"|"If you have stated value coverage on your automobile with your insurance company then the amount stated is the amount you will receive from your insurance company if there is a total loss. If the value of the car had increased since you first insured the car, you should have contacted your insurance company and asked them to increase the coverage accordingly.If you were involved in an auto accident that was the fault of the other driver, you can go directly to them for payment of your car. There is no guarantee they will agree to the $17,000 value you claim. They will only pay the current actual cash value of the car. This is determined by various methods including the Kelly Blue Book and local car prices for a similar car. You should contact the other insurance company and file the claim through them. You also will not have a deductible to contend with as you might through your own insurance."|"Stated value of my car is $10000.00 while purchasing full insurance. Now it is total loss. but actual value of my car is $17000.00. Other driver at fault in the police report who hit me. But my insurance co. Offering me only $10000.00. I said them it's other drivers fault and his insurance will pay . My quitions is how much can I get of that car."|"2016-03-16 17:40:06"|"95835"|"Sacramento"|"CA"|"https://insurance.freeadvice.com/insurance-questions/my-stated-value-and-other-3412.htm" "2016-03-11 15:38:42"|"auto-insurance-qa"|"Liberty mutual deny my claim.what can I do?"|"Since you do not have full coverage on your car that was damaged in the accident, your only hope is for Liberty Mutual to reverse its decision as to who was at fault in the accident.Since the other two drivers say that you caused the accident with an abrupt lane change, there is not much hope for you. Even if the police officer in his report did not document everything you said, your chances are slim. You can contact the police officer and ask if he will amend his report to include your entire statement. If he will do this, you can ask Liberty Mutual to review the revised report. You can also ask them to review the damage to your car. If you were hit in the rear, that could back up your story. However, if you were hit on the side or the opposite side of the car that would have supported your story, you may be out of luck."|"I was involved in a car accident a truck driver hit my side rear bumper, causing my car to switch in vertical position,then dragged me down the express way where my car hit another car. in the police report both drivers went against me claiming I made an abrupt lane change which was not true,my insurance company spoke to the driver that my car hit,he admitted he never saw me until my car hit his car. also the office failed to document everything I said so I had the police report amended. Liberty mutual deny my collision calim based on the first police report. I don't have full coverage."|"2016-03-15 17:33:09"|"10465"|"Bronx"|"NY"|"https://insurance.freeadvice.com/insurance-questions/liberty-mutual-deny-my-cl-3410.htm" "2016-03-10 07:35:09"|"auto-insurance-qa"|"I accidently backed into one of my cars with my other car will my insurance cover both cars"|"Even if you cause an accident that damages another car that you own, the insurance company will investigate the accident. If the information indicates the accident the way you described it, they should pay for the damages to both cars. The liability portion of the car that caused the accident should pay for the repairs to the car that did not have collision coverage. Then, the collision coverage on the other car will pay for the damage to it, less your deductible. The deductible only applies to the collision portion, not the liability.Depending upon the total damages to both cars, your insurance rates may increase since it would be considered an at fault accident. Make sure the total amount you will be paid for the damages will exceed the increased costs of your insurance. You may want to discuss this with your agent before filing the claim."|"Backing out of garage in my car which has full coverage I backed into another car owned by me this car has liability only. Will my full coverage pay for damage to both cars? "|"2016-03-12 23:36:59"|"73089"|"Tuttle"|"OK"|"https://insurance.freeadvice.com/insurance-questions/i-accidently-backed-into--3409.htm" "2016-03-03 17:47:05"|"auto-insurance-qa"|"After my accident, my medical insurance company paid for my bills, I just paid co-pays. Do I include total amount in my claim or just co-pay?"|"If you were in an auto accident and sustained injuries the primary insurance for injuries is your medical insurance. Auto insurance is excess over other collectible insurance for such injuries.Since you only paid your co-payments for doctor visits and any other expenses, the auto insurance will only pay those costs. If your medical provider wants to be reimbursed for what they paid, they will need to contact the insurance company for reimbursement. It is most likely that will be declined. In any event you would not owe your medical provider for any reimbursement, since all you were able to collect was the co-payments.You could fill a claim with the auto insurance company for time lost at work and pain and suffering. They may agree to a small settlement with you depending upon the extent of your injuries."|"I was only out of pocket co-pays. Will my medical insurance want to be reimbursed by other guys auto insurance company once claim is settled?"|"2016-03-15 17:39:05"|"92673"|"San Clemente"|"CA"|"https://insurance.freeadvice.com/insurance-questions/after-my-accident-my-medi-3402.htm" "2016-03-01 19:40:51"|"auto-insurance-qa"|"In state coverage only"|"you say "one of my insureds". Are you an agent? If so, you should be able to answer this question."|"one of my insured's in New York had an accident with an insured that has out of state plates and insurance with an Illinois insurance company. my insured was advised that the o/v insurance company cannot get a hold of their insured for a statement and inasmuch as he has only instate coverage, if they don't hear from him within 30 days, they are closing their file. is there such a thing as personal auto insurance in only the state you live? and how does one go about going after the claimant for damages? "|"2016-03-28 17:12:11"|"11580"|"North Valley Stream"|"NY"|"https://insurance.freeadvice.com/insurance-questions/in-state-coverage-only-3399.htm" "2016-03-01 14:34:57"|"auto-insurance-qa"|"Is my daughter covered under my car insurance even I don't put her on my police?"|"If you have a daughter who lives with you, is licensed and drives your car, even occasionally, you should add her to your insurance policy.If she has her own car and insurance, then you do not need to add her, since she has her own insurance coverage. If your former husband is listing her on his insurance policy, then you do not need to add her, since she would be covered under his policy.If she causes an accident in your car, even if she is not listed but is insured elsewhere, your insurance would pay for any injuries or damages. Having said this, make sure your insurance company does not exclude drivers if they are not listed on the policy.In a summary, your daughter needs to be insured somewhere if she is licensed and driving. Duplicate coverage is not required, but she does need to be covered by some policy."|"My former husband is claiming I don't have to put our kids on my car insurance policies because I'm insuring the cars not the kids....but I don't think that is right....help"|"2016-03-12 23:43:15"|"60060"|"Long Grove"|"IL"|"https://insurance.freeadvice.com/insurance-questions/is-my-daughter-covered-un-3396.htm" "2016-03-01 01:08:12"|"auto-insurance-qa"|"will my insurance premium go up or affected if someone that got a ticket is not listed under my policy. I live in MA and the person got ticket in NH."|"When you purchase car insurance you are expected to list any driver who lives in the household, or who may use the car regularly. Some insurance companies limit coverage to only drivers who are actually listed on the policy.If the person you are referring to is not a regular driver of one of your cars, and/or does not live with you, then their driving record should have no effect on your car insurance rates.However, if it turns out they do drive your car and cause an accident, your insurance would be responsible for any damages and/or injuries from the accident. If the driver has separate insurance, then your rates will not be affected by the accident. However, if they do not have their own insurance, your company may require that they be added to your policy, and they could charge for any accident or ticket on their record. If you refuse to add them, you may have to exclude them from your insurance policy."|"ticket"|"2016-03-28 17:16:17"|"01854"|"Lowell"|"MA"|"https://insurance.freeadvice.com/insurance-questions/will-my-insurance-premium-3395.htm" "2016-03-01 00:29:02"|"auto-insurance-qa"|"when you report your car stolen or involved in,becuase you do not remember doesnt the car insurance check the police reportbefore they start paying "|"I don't understand the question. Involved in what?"|"thats my question before i get another headache"|"2016-03-12 23:44:01"|"92240"|"Desert Hot Springs"|"CA"|"https://insurance.freeadvice.com/insurance-questions/when-you-report-your-car--3394.htm" "2016-02-27 17:39:47"|"auto-insurance-qa"|"when to drop insurance when selling a car"|"If you sell your auto and have been provided with the full payment of the car, you would have to give the title to the buyer. Without it, they could not go out and re-register it.The best advice is to send a letter to the DMV with the vehicle identification number and license plate number advising them that you sold the car and provide them with the date of sale. That will absolve you of any liability on the car. You should also tell the buyer that you have done this. It may inspire them to get the car registered sooner than later. After you have sent the letter, call your insurance company and tell them the car is sold and you can use the original date of sale. You will then get a refund of any unused premium for that car. However, if it leaves you with only one car, you will probably lose your multi car discount, which would affect the insurance cost on the remaining car."|"We sold a car for $600 to an individual, gave a bill of sale, signed the title and gave it to her husband. The registration and plate are still in and on the car. They can't get to the BMV until Tues and we are not sure they even will go then. Shouldn't we have kept the registration with us, and shouldn't we drop the insurance we have on it beginning Monday? I am concerned that we are still liable and still officially own the car; because it is officially registered to us."|"2016-03-12 23:50:39"|"47203"|"Columbus"|"IN"|"https://insurance.freeadvice.com/insurance-questions/when-to-drop-insurance-wh-3392.htm" "2016-02-06 00:04:37"|"auto-insurance-qa"|"Can my dad lose his insurance if I own another vehicle?"|"If you purchase a new car in your name, you should insure it separately since it is your car. If your dad is not on title, it will have no effect on his insurance or his premiums.When you get the insurance in place for your new car, you should consider adding the other car to your insurance policy and remove your dad from the title. The only reason he was on title was so he could insure it under his insurance policy. Since you are getting your own insurance, adding your other car will give you a multi car discount and save you about 20% off of the premium. Then your dad will have no responsibility for either car.If your dad uses your car regularly, you can list him as a driver, but since he has his own insurance, that should not be necessary. Talk to your insurance agent or company about putting both cars on your insurance policy."|"My car is insured through my dad's policy, he had to be added to my title in order to have the car covered. I am not even on the policy. I now own another vehicle, that I do not wish to have added to the inurance, that is in no way connected to my dad, meaning his name is not on the title of this vehicle. Is my owning the vehicle going to cause a problem for him and his insurance?"|"2016-02-08 21:55:47"|"98402"|"Tacoma"|"WA"|"https://insurance.freeadvice.com/insurance-questions/can-my-dad-lose-his-insur-3340.htm" "2016-01-26 12:14:00"|"auto-insurance-qa"|"My brother had a heart attack while in control of his car. His insurance was paid by c/card. Is his death automatically covered?"|"I don't understand the question. death covered by what?"|""|"2016-01-26 17:34:25"|"00000"|"NULL"|"NULL"|"https://insurance.freeadvice.com/insurance-questions/my-brother-had-a-heart-at-3317.htm" "2016-01-26 11:32:20"|"auto-insurance-qa"|"Does FL require that sales tax be paid as part of a total loss settlement on a vehicle?"|"If a car is totaled in an auto accident, the value of the car is based on the actual cash value of the car at the time of loss. This would normally include the sales tax for that actual cash value.Each auto insurance company handles claims differently and it is always better to check with your agent, adjuster or review the policy itself. If you still are not certain, contact the Dept of Insurance in your state to see what they say about the sales tax.If the responsible party does not have sufficient insurance coverage to pay for all damages, the insurance company will most likely prorate the amount paid to the amount of coverage. If you have uninsured/underinsured motorist coverage for property damage, you could collect additional funds under that portion of your insurance policy for the difference between what you received and what the actual cash value of the car was. There is usually no deductible on this coverage."|"Using my insurance for the total loss of my vehicle since at fault drivers policy was far less than the damage done to all vehicles involved. Does FL require sales tax to be paid as part of a total loss settlement? When I asked my claim agent she flat out said no yet I've read otherwise online & have already caught her making a big mistake that would have cost me so I can't trust her."|"2016-01-26 17:39:37"|"34293"|"Venice"|"FL"|"https://insurance.freeadvice.com/insurance-questions/does-fl-require-that-sale-3316.htm" "2016-01-23 12:02:24"|"auto-insurance-qa"|"Should me auto insurance cover a non-collision accident?"|"When you purchase auto insurance, it is your decision as to what coverages you decide to purchase. By law, you must have liability insurance to at least the minimum required by your state. That may be anywhere from $5/10 bodily injury and $5k property damage and up. You can purchase higher limits to protect your personal assets.You may also purchase comprehensive coverage which covers you for damages due to fire, theft, vandalism, collision with an animal and other incidents. There is usually a deductible for this. You may also purchase collision coverage which protects you if you collide with another vehicle or object. This too has a deductible. Skidding on ice and rolling your car would be considered a collision. Since you apparently did not purchase collision coverage, your insurance company will not pay for the damages to your car."|"On 1/12/16, I skidded on ice and rolled my car. It is totaled, but my insurance said that since I did not carry collision they will not cover the accident."|"2016-01-24 15:33:07"|"17046"|"Lebanon"|"PA"|"https://insurance.freeadvice.com/insurance-questions/should-me-auto-insurance--3314.htm" "2016-01-23 01:46:16"|"auto-insurance-qa"|"Insurance company didnt put out full coverage on my car as required by NYS it has a loan on it. Is there anything I can do?"|"While each state is different in handling insurance laws, most states require liability coverage for any owner of a vehicle. The liability limits vary by state, but the insurance agents should know the minimum amount of liability.For physical damage insurance such as comprehensive and collision, the policyholder is the one to determine whether they want that coverage and what deductibles are wanted. When you purchased the insurance you should have discussed this coverage with the agent or insurance company. If a lender is shown on the policy it would seem the agent would have offered comprehensive and collision. It also seems that the lender would have received a copy of the insurance policy and seen the proper insurance was not there. However, it is ultimately your responsibility to review the policy and coverages. Unless the policy is very new, it is unlikely the insurance company will assist in fixing this oversight. If it is only a month or so, they may be willing to backdate the coverage and you pay the additional premium for the additional insurance coverage."|"My state requires all cars that have a loan on them to have full coverage. My insurance company knew this and did not put it on and will not help with any repairs. Is there anything that can be done about this?"|"2016-01-24 19:19:23"|"14031"|"Clarence"|"NY"|"https://insurance.freeadvice.com/insurance-questions/insurance-company-didnt-p-3313.htm" "2016-01-22 23:46:32"|"auto-insurance-qa"|"I am an uninsured motorist but covered on sisters insurance ..she says...but tells me I need my own coverage...can you have 2 polices. On 1 car"|"In auto insurance the insurance needs to be purchased by the registered owner of the car. An additional person can be listed as a driver, but the insurance is to protect the registered owner. If the additional driver causes an accident, the liability would be deemed to be that of the registered owner, and it would be their responsibility for any damages or injuries.You will need to become the registered owner of the car for you to purchase insurance on the car. If your sister does not want to give you the car, and you are listed as a driver, then your record will have an effect on her insurance rates. You are technically not an uninsured driver since you are listed on her policy and you do not own a car.It is possible that you can purchase "non owned" auto insurance, but it would still be your sister's insurance that would respond in the event of an accident involving her car."|" I have been driving my sisters car for years and on her insurance. she text me yesterday and told me that I am an uninsured motorist at this time but covered on her insurance that if I was to have an accident her rates would go up and if I would get sued she would be responsible so I need to get my own coverage on the car while she has a policy .  Is it possible  to get coverage and if so would I get full coverage. I am in the state of indiana. I think it would be less confusing and cheaper to have me as an insured motorist on her polucy"|"2016-01-24 15:39:09"|"47374"|"Chester"|"IN"|"https://insurance.freeadvice.com/insurance-questions/i-am-an-uninsured-motoris-3312.htm" "2016-01-19 17:03:41"|"auto-insurance-qa"|"Which insurance pays.... car or home???"|"If someone strikes your home with their car, their auto insurance should pay for the damages. Many insurance companies will deny coverage in the beginning but if you persist, they will often reverse themselves and pay for the damages.However, you can go through your homeowner insurance, which it sounds like you have done, and they will pay for the repairs, less your deductible. After paying for the damages, your insurance company will probably attempt to subrogate, or recover the amount they paid, from the other insurance company. If they are successful, you will get your deductible refunded.If your insurance company does not attempt to recover the money, you can take the other party to small claims court and attempt to recover your deductible. If they do not show up, you will win by default. If they do come, then the courts will have to determine the proper settlement. It seems you have no reason to be forced to pay for damages that you had no control over."|"I am a home owner and a woman hit my wall on the back of my house. She claims her car was struck by another car resulting in her hitting my wall. However the other car fled the scene of the accident. Her insurance isn't paying for the damage done to my wall and now my home owners ins is having to pay and we have to pay the deductible first...."|"2016-01-20 17:39:19"|"89129"|"Las Vegas"|"NV"|"https://insurance.freeadvice.com/insurance-questions/which-insurance-pays-car--3298.htm" "2016-01-18 22:42:44"|"auto-insurance-qa"|"is it legal for an insurance company to pay a claim with out letting me know "|"If you have an auto accident and cause damages to the other car, your insurance company has the duty and right to adjust the claim based on their investigation of the incident.The investigation includes taking a statement from you and the other party as well as any witnesses and, if there is a police report, taking that information. After all is reviewed the insurance company will make the decision as to whether or not they will make a settlement with the other party.Sometimes the insurance company will contact you, the client, and advise prior to the settlement, but they are not required to do so. If the insurance company has already issued the settlement check, it is probably too late to change it. However, you should talk to the adjuster so you will understand why they paid the claim to the other party. If they will not explain or you don't understand it, ask to speak with a supervisor."|""|"2016-01-20 17:49:04"|"97005"|"Beaverton"|"OR"|"https://insurance.freeadvice.com/insurance-questions/is-it-legal-for-an-insura-3294.htm" "2016-01-18 17:20:12"|"auto-insurance-qa"|"Insurance company of at fault driver gives low estimate and says i can take a check for that estimate or go to one of their repair shop, do i have to?"|"If your car was struck by another driver, their insurance company must pay for the damages to your car.Many auto insurance companies have a working arrangement with different body shops. They cannot force you to go to their chosen body shop but if their shop is willing to make the repairs for the lower amount, they can refuse to pay the higher amount. Often times, the contracts with the body shop includes a guarantee of proper repairs for a certain time period. If this is the case for your damages, you may want to reconsider using that shop.If you still want to go elsewhere, get a written estimate from your chosen body shop and compare it to the estimate from the insurance company. Maybe there is a difference in what is thought to be needed to fix your car and you can argue due to that difference.A final option is to go through your insurance company and see if they will come up with a similar estimate to yours or the other insurance company."|"They give a low estimate way low then to reputable collision centers and say either take a check for their estimate or go to their repair shops , i dont want to go to their repair shops but the estimate is too low what can i do please help"|"2016-01-20 17:44:54"|"85021"|"Phoenix"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/insurance-company-of-at-f-3293.htm" "2016-01-16 01:29:27"|"auto-insurance-qa"|"can you insure a car that is not in your name?"|"The auto insurance policy needs to be written in the name of the registered owner of the car. If you insure a car that is not owned by you, and there is a major accident, the insurance company can deny coverage for the claim. There really is no reason to insure a car that is not registered to you.You can add someone as an additional insured, or another named insured if there is a need to do so. You can also just add someone as a driver on the policy if they will be a regular operator of the car in question. However, if you are added as named insured, you will have liability if there is an accident with that car. Make sure you a willing to expose your personal assets in the event of a major accident. An additional insured will not expose you to any liability in the event of an accident."|"daughter that is married"|"2016-01-17 20:08:17"|"48843"|"Howell"|"MI"|"https://insurance.freeadvice.com/insurance-questions/can-you-insure-a-car-that-3290.htm" "2016-01-14 18:04:16"|"auto-insurance-qa"|"Can two different hit and run accidents on the same vehicle be filed as one claim on uninsured motorists if occurred at different times of the year?"|"Hit and run incidents are considered separate accidents under your automobile insurance. The claim needs to be filed under your collision insurance and your deductible will apply to each claim. It is good that you filed a police report because it supports your claim of a hit and run. Based on this and presumed police report on the second accident, your insurance company should not charge you for either accident so they should not affect your rates.Uninsured motorist coverage is generally involved in bodily injury from an uninsured or underinsured driver. If you happen to have uninsured motorist property damage, then it will cover for damages to the car but only for an "identifiable" driver. Unfortunately, this is required because someone could back into a wall or something and try to claim it as hit and run.If you do not have collision coverage on your truck, then you will have to pay for all damages yourself."|"My vehicle was hit in a store parking lot early last year and they left the scene. I filed a report with police but have not gotten around to getting my vehicle repaired. Another incident happened before Christmas and my truck was hit again in a different spot and different location and person left the scene without giving me their name, etc. Can both of these accidents be filed to insurance as one claim under my uninsured motorists even though they occurred at different times of the year?"|"2016-01-16 22:31:24"|"75444"|"Golden"|"TX"|"https://insurance.freeadvice.com/insurance-questions/can-two-different-hit-and-3283.htm" "2016-01-13 19:09:04"|"auto-insurance-qa"|"I received a moving violation out of state and wondering how many, if at all, points will be added to my auto insurance in Georgia."|"If you receive a moving violation while driving out of state, the information may or may not be sent to your home state. Some states do not share information with other states. If that is the case, then your record in your home state will not be affected. However, if the states do share information, then the points can be charged to your driving record.Usually the point charged by the state which issued the ticket is the point charge that will be applied to your driving record. However, your insurance company may choose to charge the points as they see fit.Each insurance company has its own way of charging for tickets. They usually must file their rate structure with the Dept of Insurance in each state. You can ask your agent how the points are assigned by your insurance company. Multiple tickets can take away credits you have enjoyed, such as a good driver discount. Accidents can also affect your rates."|"I live in Georgia, received a moving violation in North Carolina. Expected to get 2 or no points on my Georgia drivers license. What is the standard in Georgia for points against auto insurance with this amount of drivers license points please? Thank you."|"2016-01-13 20:05:15"|"30060"|"Atlanta Naval Air Station"|"GA"|"https://insurance.freeadvice.com/insurance-questions/i-received-a-moving-viola-3279.htm" "2016-01-13 14:45:03"|"auto-insurance-qa"|"If in a car accident and both party have uninsured motor do it combine to cover the injury person losses"|"If you were in an auto accident, the person who caused the accident would be responsible for repairs to the other car and if there were injuries, they would also be responsible for the injuries.If the liability limits for the responsible driver are not enough to cover the damages and injuries, then that insurance company will pay the limits of the policy. At that time, you can file a claim under your policy for the additional cost of injuries through your medical payments coverage, if you have that coverage, or you can file under the uninsured/underinsured coverage of your policy. If you had a passenger and your limits are not enough, then they can go to their insurance company for further coverage for injuries. However you cannot file a claim if the injuries and damages are fully covered by the responsible driver."|""|"2016-01-13 20:11:47"|"53209"|"Brown Deer"|"WI"|"https://insurance.freeadvice.com/insurance-questions/if-in-a-car-accident-and--3277.htm" "2016-01-12 23:02:21"|"auto-insurance-qa"|"Contractually liable civil judgment "|"talk to an attorney"|"I have been out of the country for 2 years and I come back and notice 14000$ on my credit report from state farm. I did not sign nor receive anything. I was in a car accident 5 years ago and nobody show up for court twice and the judge threw it out. How do I solve this problem I don't now what to do!"|"2016-01-17 20:17:30"|"60618"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/contractually-liable-civi-3275.htm" "2016-01-09 07:49:00"|"auto-insurance-qa"|"who is at fault "|"If a car was illegally parked on the roadway with no flashers or lights, and it struck your car due to the other driver hitting it, the parked car owner will most likely be considered to be at fault in the accident.Due to the age of your car it will most likely be considered a total loss. If so, they will take the car once they determine the value of your car. The value is determined based on the actual cash value of the car which can be found in various blue books, ads in the area and dealer valuations. If your car is driveable you may be able to get the totaled value of the car and then buy it back to have it repaired.If you did have collision coverage on the car I recommend that you file the claim through your insurance company and let them handle the whole thing, including your injuries, if you have medical payments coverage. Otherwise the parked vehicle insurance will have to pay for your injuries."|"ok whos at fault i was driving down the left lane of a 3 lane interstate at 65 mph, now the car in front of me hit an unattended parked car that was parked in the left travel lane at night with no lights on, no hazards, no emergency flares or cones to indicate the car was parked or stopped, the car in front of me hit that car and flipped up the jersey wall on the left...now,,, ( I had no idea why the car in front of me lost control and why is was flipping up onto the jersey wall nor did i see the unattended car that was parked in the left lane in front of the car in front of me hit) ,,,but i had adequate space and time to react to the car in front me that had for some reason lost control , so to avoid hitting the car in front of me i had room to the right of me to safely change lanes and enter the center lane, I did not want to lock up the brakes to try to stop my 1987 Volvo due to the age of the car , it does not have anti lock brakes, so instead of slamming on the brakes and having an uncontrollable skid which would have made things worse and causing me to hit the car in front of me , or skidding while changing lanes and causing me to spinout and getting hit by another car or hitting another car, that's why I chose to change lanes with out slamming on my brakes,,,, but when i entered into the center lane,,,,, the car that was in front of me that hit the unattended car some how made or forced the unattended car to roll backwards and into the center lane cross wise (drivers side of car facing traffic front of car facing left lane and divider wall) and i inturn hit that car broad side with the front of my car , while still traveling about 55mph. i am the only one who was hurt , seat belt burns broken ribs and sternum from slamming up against the steering wheel, since my cars age there wasn't any airbags, so how would they consider fault in this situation, there were no tickets handed out that I know of , how would the insurance agency consider who is at fault...."|"2016-01-11 19:57:10"|"23920"|"Brodnax"|"VA"|"https://insurance.freeadvice.com/insurance-questions/who-is-at-fault-3268.htm" "2016-01-07 01:27:39"|"auto-insurance-qa"|"I was involved in a car accident my car is a total loss i have no gap coverage and i was wondering what i can do?"|"If your car was damaged in an accident and determined to be a total loss, the insurance company will only pay the actual cash value of the car. This is determined through various sources such as blue books and local sales ads for the same type of car. If you can prove the offer from the insurance company is low, then you can argue the offer and get an increase. However, cars depreciate quickly and you may not be able to increase the offer of payoff. Check the internet for local sales of a similar car. It is unlikely you will get the other insurance company to increase the offer by the $4,000 amount, but you may get it closer to the amount you owe on the car.You can also contact your insurance company to see what they might offer as settlement for your car. If it is higher you can go through them and they will subrogate with the other insurance company. However, you will have to pay your deductible if you do this. It will be reimbursed if your insurance company gets the other company to reimburse them in full."|"I have a renaming sum of 4000.00 i feel like the 3rd party who did the evaluation process gave me a low estimate. Car is a 2015 spark 1Lt 4 door had only 9633 miles condition like new on everything, on engine and transmission they wrote well maintained. Please help. Thanks in advance"|"2016-01-11 20:02:10"|"77093"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/i-was-involved-in-a-car-a-3264.htm" "2016-01-04 23:42:08"|"auto-insurance-qa"|"Car title/registered in my name & ex husbands name"|"If you and your ex husband are on title for a car, your name should be on the policy for that car since you can be held liable for an accident. You should not need to be listed as a driver, presuming you have a separate car that you are listed on. Insurance companies cannot charge duplicately for a driver if there is proof of other insurance.If you are legally divorced, it is best if you change title to the one who is actually using the car. This will protect each of you in the event of a major accident. If he is the one in possession of the car, he could lend the car to someone who causes a major accident. You can be pulled into any legal issue and have some liability for the accident.If you are simply separated, then be sure you are a named insured on the policy to properly protect you."|"If my ex husbands car is title and registered in my name along with his, Do I need to be on his insurance? "|"2016-01-06 19:02:00"|"85312"|"Glendale"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/car-title-registered-in-m-3262.htm" "2015-12-30 18:44:14"|"auto-insurance-qa"|"will i have to pay anything out of pocket. i backed into another vehicle which broke the headlight and put a small dent in hood, no damage to my truck"|"If you caused an accident that damaged another person's vehicle, then your insurance company will pay for the damages to that vehicle. There is no deductible on your policy for these damages. If there was no damage to your vehicle, then your insurance company will close the claim once the damage to the other vehicle is repaired. It does not matter if the other vehicle had insurance, whether he had a license or not or if the driver was insured or not. You are still responsible for the damages to his vehicle.If the damages are over a certain limit, your insurance rates could go up. Usually the amount is somewhere between $750 and $1,000. It varies by insurance company. You can ask your agent about this, but you really have little control over what is paid. Your insurance company will not pay more than the going rate for the repairs to the other vehicle."|"i have full coverage with $1000 deductible, i am not certain of other persons ins status or if he has a valid license. i offered to pay him, but he refused and turned it into insurance. "|"2016-01-02 22:15:51"|"64769"|"Mindenmines"|"MO"|"https://insurance.freeadvice.com/insurance-questions/will-i-have-to-pay-anythi-3256.htm" "2015-12-29 14:49:09"|"auto-insurance-qa"|"Can an insurance company add to your premimum on another licensed driver,that lives in your house temporarily in your house,without your consent? "|"If an auto insurance company learns of another driver in the household, they may add that driver to your policy. Usually they will contact you before making a change, to be sure that the person is not just visiting.It is possible they learned of the driver due to an accident involving your car and the other driver as being the driver in the accident. If that is the case, they can add the driver unless that driver can prove they have their own separate insurance on another car. If they do not, and remain living in your home, the insurance company can add them and charge the rate which will apply based on their driving record, driving experience, etc.You can talk to your insurance company about this, but if the person is to remain in your home, has no other insurance or car, the option may be to add them or exclude them from your policy."|""|"2016-01-03 20:13:20"|"46526"|"Foraker"|"IN"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-company--3254.htm" "2015-12-27 15:48:51"|"auto-insurance-qa"|"parking warranty"|"what is a parking warranty?"|"i want to confirm if a parking warranty affects a claim on a car theft"|"2016-01-17 20:18:23"|"99733"|"Circle"|"AK"|"https://insurance.freeadvice.com/insurance-questions/parking-warranty-3251.htm" "2015-12-20 16:05:06"|"auto-insurance-qa"|"I reported a traffic citation to insurance company but expect that it will be thrown out of court. Will my insurance rates go up? "|"If you cause an auto insurance accident and receive a citation, the insurance company can only charge you for either the accident or the citation. Usually, depending upon the amount of damage, they will charge for the accident, since it normally has a greater effect on the rates on your policy. If there was bodily injury in the accident, your rates will increase even more, thus the insurance company will charge for the accident.You can still go to court and fight the citation. If you win, the citation will be removed from your driving record, and the insurance company will see this and definitely will not be able to charge you for the citation. If the citation is thrown out, be sure to get a copy of the dismissal to be sure you have the evidence in case your insurance company decides to try to increase your rates for the citation."|"I was involved in a multi-car pile-up on an icy road. The police officer almost apologetically wrote tickets saying it wasn't really our fault but that he had to and would not appear in court on the court date so encouraged us to plead not guilty, saying the ticket would be thrown out of court. However, when filing my insurance claim, I told GEICO I received a citation. Will verbally reporting my citation affect my insurance rates even if I plead guilty and the citation is thrown out of court? "|"2016-01-03 20:18:15"|"60618"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/i-reported-a-traffic-cita-3244.htm" "2015-12-12 16:42:28"|"auto-insurance-qa"|"Will the insurance company buy my wrecked car?"|"If you were in an auto accident that was not your fault, the insurance company for the other driver will pay to repair your vehicle. If your vehicle is worth well over the amount of damages to the vehicle, the other insurance company will not be willing to pay for the total value of the car. They will only pay the amount necessary to repair it. The cause of the accident by the other driver, texting, really has no effect upon what his insurance company will pay. It is frustrating, since your vehicle is brand new, but that is how auto insurance works. If the vehicle is not considered a total loss, then the cost of repairs is all that is required of the insurance company paying for the repairs.You should make sure that whatever garage does the repairs and/or estimates, that they include all costs for repairs and not try to "cut corners". That way you can be sure your vehicle is fully repaired."|"I was in a accident where a person had a suspended driver license and it was his fault. He received a ticket for the accident and admitted fault. He hit my truck and caused $15,000 worth of damage to my truck. I recently purchased the truck new and only had it 3 weeks and it has less than 1K miles. I fill its unfair that he hit my truck that I just recently purchased for $49K and have to have $17000 dollars in repairs because he was texting and driving. Will his insurance company buy my truck?"|"2015-12-14 21:21:44"|"29044"|"Congaree"|"SC"|"https://insurance.freeadvice.com/insurance-questions/will-the-insurance-compan-3235.htm" "2015-12-10 00:10:23"|"auto-insurance-qa"|"Business responsible for damage to my car while driving into their driveway?"|"If you have an auto accident, even with a stationary object such as a wall or fence, it is considered to be your fault for the damages to your car and any damage to the wall. The fact that you could not see the wall does not make any difference as far as the accident goes. It will be considered a chargeable accident, if the damages are in excess of the amount shown on the policy, usually between $750 and $1,000. This will most likely increase your rates.It is possible your insurance company will try to subrogate against the property owner since the wall is not visible and the gate should have been closed. However, if they are unsuccessful, then you will be held fully responsible. In any event, you will be considered partially at fault at best. Your deductible will apply to the damages to your car. "|"Driving to auto shop @ windshield chip saw open gate, no do not enter, sign posted on gate pointing to shop office drove through open gate turned right as sign indicated. Felt/heard terrible grinding noise. discovered left side went off short wall (not visible from inside car) damaged bottom of car. told office guy came out. shop not responsible, like hitting parked car and I'm responsible wall damage. Car not drivable, young man gave ride home, told me p/u highcentered same place week before, garbage men never closed gate, called day before it was garbage guys fault. Who's at fault??"|"2016-01-04 19:18:59"|"59808"|"Missoula"|"MT"|"https://insurance.freeadvice.com/insurance-questions/business-responsible-for--3232.htm" "2015-12-08 13:25:06"|"auto-insurance-qa"|"I own a vehicle but don't have insurance on it because I wasn't driving the car. I let my son drive the car who has his own insurance. "|"In auto insurance, the insurance follows the car, not the driver. If you own a car and let someone use it, it is your responsibility to have insurance. If he causes an accident, it would be your responsibility to pay for repairs and/or injuries to the other driver.If there is no insurance on your car, and the driver of your car causes an accident, their insurance will defend them, but will not protect you. If the driver is sued his insurance company will defend and pay for any settlement or judgement made against them. However, that insurance company can come back and demand reimbursement from you since it was really your responsibility to have insurance. In addition, you can receive a citation for not having insurance on your car and your license could be suspended.Do not assume that just because the driver has insurance, that it will protect you or that you will not be held responsible for the accident even though you were not driving the car. Get insurance on your car if you intend to let someone drive the car."|"is it necessary for me to get insurance on my car or will he be okay should he have an accident or get a ticket?"|"2015-12-11 22:53:00"|"45402"|"Dayton"|"OH"|"https://insurance.freeadvice.com/insurance-questions/i-own-a-vehicle-but-don-t-3227.htm" "2015-12-03 22:17:11"|"auto-insurance-qa"|"What will happen to me because I was at fault in a car accident an my insurance policy was not enough to cover the damage?"|"If you caused an auto accident and you had legal insurance limits for your state, your insurance company will pay up to the limits of the policy. If that amount is not enough to pay for the damages caused, the other insurance company may try to come to you to pay the difference. Call the insurance company and see what they expect from you. Explain your situation, but don't share the money you have in the bank. If they want that information then they can obtain it through other sources. Since you are not working, they may just get a judgement against you which will be on your credit record. If you become employed you could go back to them to try to work out a payment plan, but it is unlikely they would expect you to make payments if you aren't working. "|"I live in Indiana and was found at fault for an auto accident. My coverage went up to $10,000, but their insurance company, State Farm, said the damage is $22,000 and that I'm responsible for the rest. They told me to call them to make payments. I'm unemployed and living in a halfway house. I do have a 2000 Ford Explorer, paid for, and about $1,500 in the bank to carry me as far as it will take me. What are my options? Will my license be suspended?"|"2015-12-03 22:25:00"|"46235"|"Indianapolis"|"IN"|"https://insurance.freeadvice.com/insurance-questions/what-will-happen-to-me-be-3221.htm" "2015-12-02 19:25:30"|"auto-insurance-qa"|"settlement pay out"|"In an instance where a car has recently been purchased but the title has not yet transferred, the insurance company for the other driver will most likely make the check out to the registered owner of the car.You can talk to the insurance company and if you have proof that you bought the car, such as a bill of sale or contract, they may be willing to pay you instead of your uncle. If not, your uncle should be willing to either sign the check over to you, or deposit it in his account and write a check to you for the amount.It is always in your best interests to retitle a car that you have purchased as soon as possible to avoid this type of situation. Since this involves a relative it should work out, but if it had been a third party, you may have lost out."|"I bought a vehicle from my uncle and didn't get the title transferred yet. Vehicle was struck and totaled by a wreckless driver a couple of weeks ago. Was deemed a total loss by State Farm. Will they send the settlement check to me or my uncle if my name isn't on the title?"|"2015-12-03 22:19:19"|"55734"|"Central Lakes"|"MN"|"https://insurance.freeadvice.com/insurance-questions/settlement-pay-out-3219.htm" "2015-12-02 09:05:03"|"auto-insurance-qa"|"How do I report to your company a fraudulent auto accident claim that I have knowledge of & stay completely anonymous?"|"I don't know what company you are referring to as I don't work for an insurance company"|"I have knowledge of an auto claim against your company that is being bragged about as done intentionally. The driver bragging was rear ended by a young man driving a co. vehicle that is insured by your company. The bragger admits he pulled out of 1driveway, had his blinker on to turn into the 2nd driveway of a convenience store located on a major hiway knowing his taillights were very hard to see & literally starting to melt the lenses. He's now hired an atty to recover so called injuries that are VERY preexisting & worried someone is watching him. How do I proceed w/this info?"|"2015-12-03 22:25:54"|"67042"|"El Dorado"|"KS"|"https://insurance.freeadvice.com/insurance-questions/how-do-i-report-to-your-c-3218.htm" "2015-11-29 08:57:40"|"auto-insurance-qa"|"Detariffication"|"I have no idea-are you in the US?"|"what's the meaning by detariffication? what is all about? "|"2015-12-03 22:26:47"|"05100"|"NULL"|"NULL"|"https://insurance.freeadvice.com/insurance-questions/detariffication-3211.htm" "2015-11-25 16:10:43"|"auto-insurance-qa"|"What insurance can I have to be allowed to drive a car already insured?"|"If you are a co owner of a car and you are on the title, you should be added to the existing policy that your grandmother has. If you have a good driving record, and are over 25, you will have little effect on the cost of the insurance that your grandmother carries. You will both be protected if there is an accident. The insurance should be rated on the location of the vehicle, so you can use one mailing address, but the garaging location should be where the car is kept most of the time. By being on your grandmother's insurance, you will also be covered if you drive anyone else's car, such as your fiance. However, insurance follows the car, so the insurance on any other car would come first if there were an accident.Get a quote to be added to your grandmother's policy, just to be sure you won't have a major effect on the cost of the insurance policy, but this is really the correct way to get the insurance done on the co owned car."|"Currently my grandma and I bought a newer car, she is main loan holder and I'm 2nd.. The car is covered under her very thorough policy. I am the main driver and live at a different address and currently have no policy for myself. If I get a basic policy or get added to my fiances policy which covers our other car we bought together, would I be okay to drive? We live in Minnesota for a no fault state also."|"2015-11-25 17:35:36"|"56093"|"Meriden"|"MN"|"https://insurance.freeadvice.com/insurance-questions/what-insurance-can-i-have-3209.htm" "2015-11-15 17:10:35"|"auto-insurance-qa"|"I bart a car but it has savege title in seem like I cant get any full covege"|"If you purchase a car with a salvage title, insurance is a little trickier than with a regular car. Some insurance companies will only offer liability insurance on such a car. There are others which will provide full coverage, but the amount that would be paid if there is a loss to the car will be greatly reduced.You might try an independent insurance agent who represents multiple insurance companies. They also have access to specialty insurance companies when you can't get insurance in the regular market. Another option is to go to the insurance company that writes your homeowner insurance. Since you have a working relationship with them they may be able to help you with the insurance on the car. You may need to prove that the repairs made to the car were done properly and completely. If you can provide written proof of the work done it could help. Also, the insurance agent may have to inspect the car before they can insure it."|"Just want some full covege for the family"|"2015-11-18 16:26:35"|"94607"|"Oakland"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-bart-a-car-but-it-has-s-3199.htm" "2015-11-15 05:59:18"|"auto-insurance-qa"|"What should i do? My husband had an accident on a motorcycle registered in my name with no insurance"|"If your husband was driving an uninsured vehicle, and was involved in an accident that was not his fault, the other driver's insurance company should pay for any damages or injuries caused in the accident.While it is illegal to drive an uninsured vehicle, it does not absolve the other driver from being responsible for any damages or injuries in the accident.Since you are the registered owner, you should contact the other driver's insurance company and file a claim. They may also want to speak with your husband, since he was driving the vehicle, but the settlement will have to be worked out with you.You may also need to get an estimate for the damages to the bike. Since it was in need of repair, you may not get the full value of the bike, or the full damages, but you will get something. "|"My husband and I bought a motorcycle at the beginning of the year that need work done. I put it in my name and went ahead and had it insured under my name as well. We separated a few months ago & I left the motorcycle with him (it still needed work) with the expectation that he would continue paying the insurance until it was ready to drive and then get everything transferred to his name before driving it. Last night he drove it and was in a wreck that was ruled the fault of the other driver. When I went to call my insurance company I found out my policy had been canceled. What should I do?"|"2015-11-18 16:31:14"|"29607"|"Batesville"|"SC"|"https://insurance.freeadvice.com/insurance-questions/what-should-i-do-my-husba-3198.htm" "2015-11-12 05:49:24"|"auto-insurance-qa"|"Can an Ins. co make me return my rental car before they give me money for another truck?"|"If an insurance company has authorized a rental car for you since your vehicle was totaled in an accident, they usually will provide a settlement offer before they withdraw authorization of the rental car.You did not indicate if the insurance company is your company or the other driver's insurance company. There could be a difference in rental car coverage based on which company is paying for the rental.There are limits as to the number of days you may be covered for rental coverage. You need to read your policy or talk to your agent. If you are past the time that the rental is covered, then the company can withdraw the authorization. Also, if you are in disagreement with the company as to the value of the previous vehicle, that could be delaying the settlement. Talk to the adjuster and see if you can get additional time for the rental or ask when you will receive your settlement check."|""|"2015-11-23 17:40:37"|"40475"|"Richmond"|"KY"|"https://insurance.freeadvice.com/insurance-questions/can-an-ins-co-make-me-ret-3191.htm" "2015-11-04 18:21:13"|"auto-insurance-qa"|"Drunk driver hit my parked car, will i have to pay my deductible, or will his insurance?"|"If your parked car is struck by another driver, drunk or not, his insurance should pay for the damages, or the actual cash value of the car if it is considered a total loss.If the driver does not have insurance, you will need to go to your insurance company and have them determine if it is a total loss and offer a settlement or to pay for the repairs to your car. The deductible will probably apply. However,if you have "uninsured motorist property damage" on your car, this will cover your deductible, or part of the deductible. Talk to the adjuster about this. Sometimes the higher deductible, such as yours being $2500, they will only cover $1,000. If your insurance company does pay for the damages, they will attempt to subrogate against the other driver to be reimbursed for what they paid out. If they are successful, and get the full amount of insurance, you will get any remaining deductible back."|"here are the facts:the drunk driver was the only person in either of the carsthe drunk driver blew a .20, and was arrestedHe claims he has insurance, but did not provide it to the Sheriffs on the night ofMy Insurance is currently assessing the damage, I am guessing that it will be considered a "total loss" based on what i sawI have a BIG deductible, $2500here are my questions:1. because I am not at-fault, will I have to pay my deductible, or will his insurance cover it?2. in the event that I do have to pay my deductible, am I entitled to suing him to cover any costs?"|"2015-11-04 19:08:44"|"92861"|"Orange"|"CA"|"https://insurance.freeadvice.com/insurance-questions/drunk-driver-hit-my-parke-3180.htm" "2015-11-02 17:58:43"|"auto-insurance-qa"|"Can I claim a vehicle damage settlement on my vehicle by the 3rd parties insurance policy AND my insurance policy? The 3rd party damaged my vehicle.. "|"If your car is damaged and the company which caused the damage will pay for the car, they can determine the vehicle is a total loss and offer the actual cash value of the car. You can decide to go through your insurance company, but you will have to pay any deductible that is on the policy, so you may end up getting less than the other company offered. However, you cannot collect from both insurance companies. You would be committing fraud and end up in major trouble, as well as have trouble obtaining insurance in the future.If you want to fix your car and you feel the offer from either company is too low, you will have to prove the higher value of your car. You can get an appraisal, or if you can find a similar car for sale in the area where you live, you can use that to try for additional money.You may also be able to take the money and then buy the car back as salvage and have it fixed. You should be able to get insurance again once it is fixed, but the overall value of the car will be reduced since it would be considered a salvage vehicle."|"The 3rd party is a towing company. they dropped my 44 year old - flawless condition vehicle from their flatbed. There is $6700-$8800 damage. Their insurance wants to total my vehicle vs fixing it. I ran the claim through my insurance and my insurance wants to total the vehicle vs fixing it. Can I legally claim both settlements to pay to fix my car? Thanks! "|"2015-11-04 19:14:11"|"60048"|"Green Oaks"|"IL"|"https://insurance.freeadvice.com/insurance-questions/can-i-claim-a-vehicle-dam-3175.htm" "2015-10-27 21:21:01"|"auto-insurance-qa"|"at fault driver provided bogus insurance information"|"If you or your relative is in an auto accident that is not their fault and the other driver provides inaccurate or "bogus" information you will have to handle the claim through your own insurance, unless you got the license plate number or driver's license number of the other driver. (this is something you should always do anyway)Presuming you have collision coverage on your car, you should call your insurance company and advise them of the collision and the fact the other driver provided false information. You will have to pay your deductible, but the other damage will be paid by your insurance company. Since the accident was not at fault, your rates will not be affected by the claim. It is possible that your insurance company can find the other driver based on the information you did get from the other driver. If not, then you will be out the amount of your deductible. If they do find him, and collect the damages they paid, you will get your deductible back."|"My daughter was driving my car when she was hit by another car. He was at fault. The insurance company he says he has coverage with says they do not have his name or the provided policy number in their system. What are my options for recovering my damages?"|"2015-11-01 22:02:25"|"27520"|"Archers Lodge"|"NC"|"https://insurance.freeadvice.com/insurance-questions/at-fault-driver-provided--3171.htm" "2015-10-25 02:21:04"|"auto-insurance-qa"|"Will my dad get in trouble?"|"If you live at home and your father has the car title in his name and is insuring it, it will be covered if there is an accident. Since you live at home you should be listed on your father's insurance policy as a driver. The insurance company will pay for the damages, less the deductible and will then want to add you as a driver on the policy. Your age, driving experience and any tickets and accidents will affect the cost of the insurance.All of the above information is presuming the insurance policy does not have a restriction for only listed drivers. If that restriction is on the policy, then you may not be covered. Have your father talk to his insurance agent to make sure you are covered. Going forward be sure to either re-register the car to your name and you insure it or get added to your father's insurance policy."|"Okay so my dad owns a pontiac g6. He gave it to me and its still on his name. He has full coverage insurance on it. I live with him im 17 year old. Will they repair it if we call them and tell them i was driving?"|"2015-11-01 22:07:34"|"46703"|"Angola"|"IN"|"https://insurance.freeadvice.com/insurance-questions/will-my-dad-get-in-troubl-3166.htm" "2015-10-18 01:52:19"|"auto-insurance-qa"|"Insuring someone else to drive my car"|"Since your son lives in your secondary home and can use the car, you should add him to your automobile insurance policy. This will prevent any questions or issues if he should cause an accident. If he does cause an accident, the liability will be on you and your insurance. A major incident can cause you a financial loss if you do not have high enough liability limits. The premium would also be increased, since he would be a rated driver on the policy.You can also just have him get insurance on the car himself. He would need to transfer the title of the car to his name if this were to occur. This will prevent you from being held liable for any accident he causes. However, if you are getting a multi car discount, he would lose that discount, as well as any discount you may be receiving for being a long term client. Either way, his driving record and age will affect the cost of the insurance. Get quotes from your agent for both options."|" I have a car garaged in my secondary dwelling where my 23 yo son lives full time I want him legally covered to drive my car but we don't live under the sameroof is it best to try to add him to my policy or should he get his own independent coverage or both ?"|"2015-10-19 15:36:01"|"20874"|"Darnestown"|"MD"|"https://insurance.freeadvice.com/insurance-questions/insuring-someone-else-to--3156.htm" "2015-10-15 07:40:23"|"auto-insurance-qa"|"I totaled my car in a single-car accident. I was charged w/a DUI; can the auto insurer refuse to pay off my lienholder due to the DUI?"|"If you have an auto accident and are charged with a DUI, the accident is still covered presuming you have physical damage coverage, or collision coverage on the car that was involved.The policy covers your car for the actual cash value of the car at the time of the loss. This may not be enough to pay off your car loan. However, if the insurance company is refusing to pay anything to the lienholder, that does not seem right. If you have an agent, speak with them to see if there is an exclusion in the policy for refusal to pay if there is a DUI involved in an accident. If there is no such exclusion ask the agent to assist. If you don't have an agent, ask for a supervisor in the claims department to see if they will explain the refusal to pay anything on the car. If nothing is resolved, you should contact the Dept of Insurance to have them investigate this claim."|""|"2015-10-19 15:42:18"|"95401"|"Santa Rosa"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-totaled-my-car-in-a-sin-3150.htm" "2015-10-13 04:34:35"|"auto-insurance-qa"|"My landlady hit my parked car when she was parking in front of our house. Is it legal for her to deny me her insurance info?"|"this question was answered on 10/6"|"I got 3 estimates for the damage, and all three were over $1,000. She would rather pay me out of pocket, but the auto repair agent I talked to said it would be easier for her to file a claim with her insurance company and use her insurance. Plus, it would pay for a rental car for me to go to work the two days it would be in the shop at no cost to her. Is there a specific law that I can show her that says she is required to give me her insurance info and file a claim?"|"2015-10-19 15:45:02"|"55407"|"Minneapolis"|"MN"|"https://insurance.freeadvice.com/insurance-questions/my-landlady-hit-my-parked-3145.htm" "2015-10-06 02:29:00"|"auto-insurance-qa"|"My landlady hit my car when it was parked in front of our house. Should I tell my insurance company so that they can go after her?"|"If your car was parked and struck by your landlady, she should file a claim with her insurance company to pay for the repairs. You can have her pay for the damages out of her pocket, but since the damage is so high, she is better off to go ahead and file a claim. If she has admitted that she caused the damage this should be a simple issue. If she refuses to file a claim under her policy, or denies causing the damage, you can file a claim under your car insurance policy. Since the damage was due to no fault of your own, your rates will not be affected by filing a claim under your own policy. However, the deductible on your policy will apply until the insurance company can get reimbursement from her insurance company. If she fights the claim, it could take some time to get the reimbursement. Of course, if you do not have collision coverage, then you will need to go through her insurance company."|"My landlady scratched my parked car when she was parking in front of our house. I got a few repair estimates, and they were all over $1,000. Should I tell my insurance company so they can demand that she pays for it? Or will it raise my deductible/bill?"|"2015-10-06 19:41:28"|"55407"|"Minneapolis"|"MN"|"https://insurance.freeadvice.com/insurance-questions/my-landlady-hit-my-car-wh-3126.htm" "2015-10-05 16:29:49"|"auto-insurance-qa"|"why am I being told I must make a claim on my policy?"|"If you are rear ended in an auto accident, and the car behind you was not the reason for the accident, it gets very complicated in settling the claim. It is probably in your best interests to file the claim with your insurance company. You will have to pay the deductible, but they will probably try to recover all or part of the costs of your repairs. If they are successful your deductible will be refunded, at least in part.If you try to go through the other insurance company they will most likely deny your claim since their driver did nothing wrong either presuming they were also stopped. and you will continue to do battle with them, while your company will settle this more quickly. Also, you will not be charged for the accident even if your insurance company pays for the damages, since the accident was not your fault."|"A vehicle ran into the car behind me and pushed that car into mine, causing damage. The vehicle that pushed the car into me drove away. Now, my insurance company is saying that I must make the claim on my policy which subjects me to the policy deduction. I thought this would go onto the car behind me, as i was simply sitting at the stop light and they hit me from behind."|"2016-01-12 16:07:57"|"76210"|"Corinth"|"TX"|"https://insurance.freeadvice.com/insurance-questions/why-am-i-being-told-i-mus-3125.htm" "2015-09-29 02:33:46"|"auto-insurance-qa"|"Why is it Legal to discriminate pricing based upon gender?"|"Insurance companies in California file their rating structure with the Dept of Insurance and the Insurance Commissioner. If these have been approved, then the insurance company can charge the rates they are charging.Many insurance companies charge extra for young male drivers based on the fact that they generally drive more than females and the experience of losses indicate they have more accidents than females as well as more tickets.As your driving experience grows, the rates will go down if you do not have any tickets or accidents. After three years of driving experience, you are eligible for a good driver discount, and after you reach experience of somewhere between five & seven years, your rates will be the same as other drivers, again presuming you have a good driving record. If you are in school and good student discount can help reduce your rates too."|"Hello, I was wondering why it is legal in California for auto insurance pricing based upon gender? As far as health insurance goes, it is illegal to discriminate based upon pre-existing conditions, and other factors other than smoking. So why is it legal in the auto industry to charge a male more money than a female, if each have the same driving records?Thank you."|"2015-09-29 17:04:10"|"92021"|"Bostonia"|"CA"|"https://insurance.freeadvice.com/insurance-questions/why-is-it-legal-to-discri-3115.htm" "2015-09-25 20:55:55"|"auto-insurance-qa"|"liability"|"If your daughter lives with you and is listed under your automobile policy, she is covered to drive any car in the household.If she causes an accident, she would be covered under the automobile policy and under the umbrella policy. You should be sure that the umbrella insurance company knows she is a driver in the household, but normally the umbrella policy is a "following form" policy, which means they follow the coverage of the underlying auto and homeowner coverage.If you transfer ownership of one of the cars to her name, she will need to get separate insurance. She may be eligible for discounts if you keep her insured with the same insurance company, but she will lose the multi car discount that you have for your cars. If you keep her insured under your policies please remember it is your liability if she causes a major accident."|"Hi, Our 34 year old daughter lives with us and is listed on our USAA policy along with my wife and I as a driver [with a clean record]. Does that mean she can drive any of our 3 cars at any time and be fully covered? If she has a very bad accident would she be covered under our 1 million dollar umbrella policy as well? Instead, would it be better if I just transferred one of our cars to her and had her get her own auto insurance policy?."|"2015-09-27 18:39:55"|"06460"|"Milford"|"CT"|"https://insurance.freeadvice.com/insurance-questions/liability-3110.htm" "2015-08-24 20:42:00"|"auto-insurance-qa"|"How will my premium be affected if I file a claim for my child then drop them?"|"If your daughter's car is insured under your policy and she caused an accident, you must report it to the insurance company so they can settle the damage claim for the other party. It will be considered an at fault accident and her rates will be affected. It is possible she will lose a good driver discount, depending upon whether she has other activity on her record and/or her driving experience.If you then sell her car, she will still be considered a driver in the household and her record will transfer to another car on the policy, presuming she lives in your household. You would have to specifically exclude her from your insurance policy to avoid any repercussions regarding her driving record.If your daughter has a separate insurance policy then the claim needs to be filed under her policy. It will not affect your rates. However, if she then sells her car but lives in the household, then the above situation will still apply regarding your rates."|"I have a car and my child has a car. She recently got into an accident. The damage to the car she hit is $2000. How will my premiums be affected if we file a claim with the insurance company for her and her car, then drop her from the insurance as she is selling her car anyways and won't be driving anymore? Will my premium go up if I drop her? Thank you"|"2015-08-31 19:37:53"|"60644"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/how-will-my-premium-be-af-3095.htm" "2015-08-21 22:41:04"|"auto-insurance-qa"|"what if i dont have a car and im living at friends house with no address for myself do i need to have my own auto insurance when i get back my license from suspension?"|"In most states you need to provide proof of auto insurance in order to get your suspended driver's license reinstated.If you do not have a car, you can still provide the proof of insurance through a different type of policy called a "non owned auto" insurance policy.Many insurance companies offer this, however, the most likely is through a specialty insurance company that writes insurance for drivers with driving record issues. These companies offer monthly installments and will be more willing to write insurance for you when you do get a car, since that is their area of expertise.Talk to an independent insurance agent, or go online to find the best available premium for your needs. Much of the time you can do this with a small down payment. The online companies are probably easier to work with, but if you want an agent, then a local independent agent is the way to go. Shop around before you make a decision since refunds are usually not available with these companies."|"Im 19 and a college student. when my license got suspended my parents took me off their auto insurance and told me not to get license in their address when i am able to get it back. Am i allowed to put a friends home address for my license cause thats where im staying at now and do i need to get an auto insurance even thought i dont have a car?"|"2015-08-24 17:11:46"|"21826"|"Fruitland"|"MD"|"https://insurance.freeadvice.com/insurance-questions/what-if-i-dont-have-a-car-3092.htm" "2015-08-18 07:20:24"|"auto-insurance-qa"|"can i have my entire vehicle repaired on existing claim?"|"If you caused an auto accident and you have collision coverage, your auto insurance policy will pay for the damages to your car from the collision, less your deductible. If you want to make other repairs to your car at the same time, you will have to get a separate estimate for those damages and pay for them yourself. If the damages were caused by a different accident, then your insurance company might pay for them, but a separate claim and deductible will apply. In addition, by filing a separate claim you could end up with a greatly increased premium since the insurance company will consider the additional accident an at fault incident unless there is proof of non fault.If you decide to pay for the other repairs on your own, make sure the body shop understands that you will pay for the additional work and to not submit the costs to your insurance company. They should be able to break out the work for you."|"the vehicle hit another vehicle in the front but there is other damage to the vehicle and i just want to get the entire car looking brand new"|"2015-08-21 17:28:40"|"32907"|"Melbourne"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-i-have-my-entire-vehi-3088.htm" "2015-08-17 14:52:19"|"auto-insurance-qa"|"I am buying a home in 32504 this 08/21. Last Friday I saw a **** in my windshield. Can I wait till I close on my house in Florida to fix it?"|"If you have had damage to your windshield, you can wait to repair it until you are settled in your new home. However, the claim needs to be filed with your current insurance company in Georgia, since that is where you had the insurance coverage at the time of the loss. You cannot wait, obtain new insurance in Florida, and then file the claim. It would also not look good on your record to start a new policy and immediately file a claim.Windshield damage is covered under comprehensive, and is subject to that deductible unless you have a separate glass deductible. Such a claim does not affect your insurance rates so there should be no fear in filing a claim. Many times you can contact a glass repair facility directly and give them your insurance information. They will then file the claim and can come to you to repair the windshield. At that time they will get payment for your deductible and send a bill to your insurance company for the balance. It should be quite simple."|"my current auto insurance is in Georgia but I no longer own that home & will be switching to Florida coverage this week....the cracked windshield just happened driving from my soon to be home back to my temporary address with my son in Alabama."|"2015-08-21 17:33:18"|"32504"|"Pensacola"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-am-buying-a-home-in-325-3086.htm" "2015-08-15 15:19:53"|"auto-insurance-qa"|"What is my Wife and I's liability for our unlicensed son getting into an accident on private property?"|"In auto insurance the coverage follows the car. So in your case, the damages to the other party's car will be covered by your wife's car insurance. The fact that the other party does not have insurance has no effect on your wife's responsibility.Since your wife was not driving, her license is not affected and her rates will not be increased. However, the insurance company may want to exclude your son from her insurance going forward. If he gets his driver's license in the future, this accident can affect his insurance rates since it would be considered an at fault accident, even though he technically was not driving the car.A police report is not required since the incident occurred on private property. Your wife should contact her insurance company to report the claim as they will need to speak with her and probably your son before they can proceed with the claim for the other party."|"My son who has no driver's license got into my wife's car last night to show off the radio for a date. He turned it on, revved the engine, and somehow backed into another vehicle in a private parking structure. The registered owner of the car that was hit has no insurance, based on the age and condition of their car I would guess it is totaled. My son admitted guilt and my wife gave them our insurance on scene. There were no injuries, no police contact, and my son and his date are the only witnesses. My wife has to keep a clean driving record for work. "|"2015-08-21 19:25:24"|"98366"|"Annapolis"|"WA"|"https://insurance.freeadvice.com/insurance-questions/what-is-my-wife-and-i-s-l-3085.htm" "2015-08-10 22:12:09"|"auto-insurance-qa"|"Used car, need insurance, have questions"|"Most auto insurance companies write coverage for comprehensive and collision using the "actual cash value" basis. This means the insurance company will pay you the actual cash value of the car at the time of the loss. The value is determined in many ways such as the Kelly Blue Book, local ads for similar cars and other resources. If, at the time of the settlement, you can prove your car is more valuable, then the insurance company will have to pay the adjusted value. Of course, all claims are subject to the deductible on the policy.There are a handful of insurance companies which will write an agreed value for the car. The value is determined at the outset of the policy and is listed on the policy. The value remains the same during the policy period, but may be adjusted downward at the renewal, if the car's value has reduced. You may be able to have some input as to the value of the car when the policy is written, but it must be agreed to by the company."|"Can I insure a car (not older than 10 years) for a value I say it is worth? If not is there an insurance that I can get in addition to the auto insurance that will fill the difference?Kinda like Gap insurance?Thanks"|"2015-08-24 17:16:39"|"76011"|"Arlington"|"TX"|"https://insurance.freeadvice.com/insurance-questions/used-car-need-insurance-h-3076.htm" "2015-08-09 18:33:32"|"auto-insurance-qa"|"California can insurance company increase my premium by 95% for 1 point"|"Auto insurance companies have their insurance rates filed with the state and must apply them as filed. An increase of 95% seems excessive for one violation if it is what you say it is. You should call your insurance agent and ask them why your premium increased as much as it did. If it is your only ticket and accident then you would still be eligible for the good driver discount, presuming you qualify for it with 3 years driving experience. Your agent should be able to explain the increase.If you are eligible for the good driver discount, and the insurance company still intends to increase your premium you should shop around for other quotes. There are many insurance companies out there and there is a broad range of costs, depending upon the insurance liability limits and deductibles you select. "|"My auto insurance company increased my premium based on a violation. I pulled my DMV record confirming one violation code 22450 (I did not stop at a stop sign long enough). Can State Farm increase my premium 95% for a record containing only 1 point? Are there any regulations regarding rate increases? Also the date they are referencing is the paid date not the issue date. Thank you in advance."|"2015-08-24 17:22:21"|"92782"|"Tustin"|"CA"|"https://insurance.freeadvice.com/insurance-questions/california-can-insurance--3074.htm" "2015-04-22 19:44:14"|"auto-insurance-qa"|"How much will my insurance go up?"|"I don't know rules for Canada."|"I pay 269 as it sits.. yet since my insurance has renewed ive gotten two tickets. One for 20 over and one for 15 over.. should I expect a big change or not so much? I am 17 with my g2 liscence. ( I live in Canada so could not find my area code, just looking for general estimate)"|"2015-04-27 18:19:19"|"72410"|"Alicia"|"AR"|"https://insurance.freeadvice.com/insurance-questions/how-much-will-my-insuranc-2896.htm" "2015-04-20 17:06:22"|"auto-insurance-qa"|"My son was rear ended but is not on my insurance and a registered driver, am I covered?"|"If your son caused an accident with a car that was occupied, you should always report the claim to your insurance company. This is recommended since the other driver can always come back and claim injury. If you try to settle now, and they decide they were injured you could not get your insurance company to step in to handle the injuries.Even if your son was not on your policy, your insurance company may still accept liability. You can simply advise that your son was recently licensed and you had not gotten around to adding him. You will then have to add him to your policy and the accident will affect the premium they will charge for him being added, as well as his age and driving experience.Contact your insurance agent or company to discuss the claim and see if they will handle the claim. It should be ok and is a much better way to handle this accident."|"My son rear ended a car in front of him but the driver has agreed to not file a claim if we pay for his new bumper. But my son was also rear ended by another car and they have filed a claim already. My son was not listed as a registered driver on my insurance because he only got his license recently. If I don't file a claim with my insurance carrier and don't tell them anything, will this all just go away or will my carrier know because the driver that rear ended my son filed a claim?"|"2015-04-27 18:25:35"|"96797"|"Waipahu"|"HI"|"https://insurance.freeadvice.com/insurance-questions/my-son-was-rear-ended-but-2893.htm" "2015-04-17 23:05:31"|"auto-insurance-qa"|"What does it mean when, after an accident, someone files a complaint with your insurance company?"|"I don't understand the question are you asking about a claim or complaint?"|"Minor incident on private property; no police involved. Her insurance agent told her not to file a police report because minor damage and no personal injuries. I was driving a friend's car and I am not on her insurance policy."|"2015-04-27 18:26:48"|"24401"|"Staunton"|"VA"|"https://insurance.freeadvice.com/insurance-questions/what-does-it-mean-when-af-2892.htm" "2015-04-14 21:58:25"|"auto-insurance-qa"|"Do my body injury liability auto insurance cover my wife if we are in a accident and there is no fault"|"If you are in an auto accident that is not your fault and you and/or your wife are injured, your bodily injury coverage will not pay for your injuries.If the other party has car insurance, then you should file a claim with that insurance company and they should pay for your injuries, your wife’s injuries as well as any damage to your car. If they do not have car insurance then you can file a claim under your policy for injuries under your medical payments coverage and under the uninsured/underinsured motorist coverage. Damage to your car would be paid under collision coverage, if you have it, or could pay under your uninsured motorist property damage coverage. Even if your insurance company pays for injuries and, your rates will not be affected if the accident is not your fault.Talk to your insurance agent or company about the claim and have them open the claim on your behalf, or talk to the other driver’s insurance company."|""|"2015-04-27 18:32:14"|"93550"|"Lake Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/do-my-body-injury-liabili-2886.htm" "2015-04-03 00:57:01"|"auto-insurance-qa"|"Should I release my insurance liablity limits to a attorney ?"|"If you were involved in an auto accident that was your fault , you should report the incident to your insurance company. They will handle any issues,including the attorney who has been hired by the other party.Your insurance company will take your statement as to what happened. If there was a police report they will obtain a copy of it and will talk to the other driver or his attorney. After complete review they will decide whether to settle or fight the injury claim.If they pay for damages and injuries to the other party, your insurance rates will most likely increase. However, you should not try to settle this claim on your own and you should not deal directly with the other attorney unless your insurance company advises you to do so. If the attorney contacts you again, refer them to your company or the adjuster assigned to your claim."|"I was involed in a at fault accident .one of the other drivers is claiming a injury and hired an attorney and is requesting I release my policy limits . Should I ? Both drivers drove away from the accident. "|"2015-04-07 17:13:59"|"93313"|"Bakersfield"|"CA"|"https://insurance.freeadvice.com/insurance-questions/should-i-release-my-insur-2869.htm" "2015-04-02 14:33:27"|"auto-insurance-qa"|"How do I secure the most fare amount for pain and suffering from an auto accident not my fault?"|"not an insurance question - talk to a lawyer"|"The insurance company of the person who hit me has paid of my car but now I need a settlement for pain and suffereing ie. lost wages, medical bills, lack of transportation, having to aquire transportation from others etc. How can I get the insurance company to move faster ?"|"2015-04-27 22:09:14"|"73132"|"Oklahoma City"|"OK"|"https://insurance.freeadvice.com/insurance-questions/how-do-i-secure-the-most--2868.htm" "2015-03-31 04:48:01"|"auto-insurance-qa"|"Would I be able to get an insurance lisence?"|"talk to the Dept of Ins. This is not an insurance question"|"I have an interview tomorrow with an insurance company. However, I have a midemeanor embezzlement on my record, caused by an untreated mental disorder. Would I still be able to get a lisence/job? "|"2015-04-07 17:15:56"|"93063"|"Santa Susana"|"CA"|"https://insurance.freeadvice.com/insurance-questions/would-i-be-able-to-get-an-2859.htm" "2015-03-19 01:00:08"|"auto-insurance-qa"|"can i loan a car to a friend who has their own insurance "|"In auto insurance, the insurance follows the car. If your friend drives your car, they will be covered under your policy as a permissive user. If they cause an accident in your car, your insurance will be responsible for any damage or injuries sustained in the accident. This applies even if the other driver has their own insurance. If the accident causes damages or injuries that exceeds your liability coverage, then the insurance for the other driver will be applied to that excess amount. They would then need to report the accident to their auto insurance company. Since the other driver is not listed on your insurance policy and they have their own insurance, your insurance rates will not be affected if the friend causes the accident. However the rate on their insurance policy can go up."|"i have a car i want to loan to a friend. my friend has their own insurance ( cr22 ). if anything happens could i be liable ? "|"2015-03-22 17:59:46"|"98662"|"Orchards"|"WA"|"https://insurance.freeadvice.com/insurance-questions/can-i-loan-a-car-to-a-fri-2840.htm" "2015-03-11 17:53:56"|"auto-insurance-qa"|"what happens if my boyfriend is driving my car with a suspended license and is not on my insurance, and the other party is not insured?"|"In auto insurance the insurance follows the car. Unless the wife of the other car was excluded from his insurance, then his insurance policy will cover the damage to your car. The fact that your boyfriend has a suspended license should not prevent the other insurance company from paying for the damages to your car.If you have collision coverage on your insurance policy, and the other company denies coverage, you can file a claim on your policy. It will pay for your damages, less your deductible. Since your boyfriend is not listed on your insurance policy, your rates will not go up. However, your insurance company may demand that you exclude your boyfriend from the policy going forward. In reality, you should not have allowed him to drive your car if you knew he did not have a valid drivers license."|"my boyfriend was driving my car and has a suspended license and is not on my insurance policy and got hit by another car. the driver of the other car was not in her husbands insurance policy. what happens now?"|"2015-03-12 16:35:07"|"91732"|"City of Industry"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-happens-if-my-boyfri-2815.htm" "2015-03-07 21:57:43"|"auto-insurance-qa"|"Does my liability insurance cover my friends car which i was driving and caused an accident?"|"In auto insurance the insurance follows the car. This means if there is an accident and you are driving another person's car, then their insurance will pay for the damages and injuries to the other party involved, if there is another vehicle involved in the accident. If the owner of the car does not have physical damage coverage on their car, then there is no coverage for the damages to that car.The other driver can sue you for the damages to their car. You can then contactyour insurance company to see if they will pay for the damages. Most likely they will not pay, but some policies do coverage for damage to property of others, which could result in you being covered for the car.If your company does not pay, you may want to try to set up a payment plan withyour friend to pay them back for the car."|"I borrowed my friends car and was found at fualt in an auto accident. Her liability insurance is covering the persons car which I hit. When i had the accident in her car it is not drivable and she only has liability. Will my insurance company cover her car since I was driving it?"|"2015-03-11 16:43:25"|"77077"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/does-my-liability-insuran-2809.htm" "2015-03-06 20:13:53"|"auto-insurance-qa"|"Rearended accident "|"Usually, if you rear end someone the accident is considered to be your fault even if they stopped for no apparent reason. The other insurance company will usually deny your claim since you should have had a safe distance between you and the other car so that you could stop in time.You should speak to your insurance company about the claim. See if they also consider you as being 50% at fault. If so, then they will not try to collect from the other insurance company. Also, see if the police report says the other driver stopped so he could answer his cell phone. That could help you in your case, especially if there is a law against cell phone use while driving.You can try to take the other driver to small claims court for your damages. If you win then his insurance company will have to pay for your damages. "|"I rearended a driver when he abruptly stopped in the middle of the exit ramp. There was no car in front of him and according to the police report he stopped to answer his cell. His car was fine, but mine had to be towed and the damages included: replacing, hood, radiator, fans and head lights. His insurance company has denied the claim stating that I was 50% responsible. Is there anyway to appeal this?"|"2015-03-07 21:32:11"|"30906"|"Augusta"|"GA"|"https://insurance.freeadvice.com/insurance-questions/rearended-accident-2806.htm" "2015-02-24 17:54:02"|"auto-insurance-qa"|"i was hit by a person whos insurance elasped"|"If you had an accident with an uninsured driver, you could still be held responsible for the damages and injuries to the other driver. If you lost control of your car you could be considered at least partially at fault. The other driver also has a responsibility since he was unable to stop before you two collided. It may be best to tell your insurance agent or company about the incident. If there is no damage to your car, you do not have a file a claim, but if the other driver wants to file a claim against you, then you will have evidence that you reported the claim to your insurance company. If you do make the report tell them this is for information only and it is not to be made an active claim. "|"it was snowing really bad and i lost control of my vechile. the car from behind me failed to stop and hit me. i didnt he any damage but the other car had some of my paint on thier car. he didnt have valid insurance at the time and no police were called. what should i do. and who is at fault"|"2015-03-07 21:39:07"|"19702"|"Christiana"|"DE"|"https://insurance.freeadvice.com/insurance-questions/i-was-hit-by-a-person-who-2791.htm" "2015-02-24 01:15:14"|"auto-insurance-qa"|"add a car to my ins"|"Auto insurance should be obtained by the registered owner of the car in question. If you want to let your daughter in law drive the car, you do need to list her as a driver on the insurance policy. Depending upon her age and driving record, this could increase the cost of the insurance. It is best to get a quote from your insurance company before you buy the insurance. You should also be aware that if the insurance is in your name, then it is your liability being exposed if she has an accident that is her fault. That means you will be legally responsible for any damages or injuries caused by her in an auto accident. It may be better to put the car in her name rather than your own. You should get a quote for that option of insurance before making your final decision on how to insure the car."|"I am considring adding a car to my ins. I want to let my daughter inlaw drive it but her name will not be on the reg or ins"|"2015-03-07 21:45:43"|"89117"|"Las Vegas"|"NV"|"https://insurance.freeadvice.com/insurance-questions/add-a-car-to-my-ins-2789.htm" "2015-02-23 07:57:04"|"auto-insurance-qa"|"Who should I let handle my auto accident claim?"|"If you were in an auto accident that was not your fault you can try to work with the other insurance company or you can do as your company suggested and to go through them.The advantage to going through the other company is that they will pay the full amount of the damages to your car. However, they may be very slow in respondingthey may argue the amount in question. They should provide you with a rental car while your car is being repaired, but they may try to argue that too.Your insurance company will pay the full amount of the damage, less your deductible. They will handle this faster. If you don't have rental car coverage then your insurance company will not pay for a rental car. You will get the deductible back after your insurance company gets all of the money back from the other insurance company. This could take some time."|"I was sideswiped by a 2004 Suv in Murfreesboro, Tn.. Police report says her fault. Farm Bureau says let them fix my car and they will deal with the other party (The General Ins) to collect payment. I have full coverage 2010 Altima. $200.00 comprehensive, $500.00 collision. Should I do this or go through the at fault insurance co. myself? What is going to happen to my coverage and driver record if my insurance co. pays first? I don't handle stress very well. I am 67.Thank you."|"2015-03-10 22:43:29"|"37153"|"Rockvale"|"TN"|"https://insurance.freeadvice.com/insurance-questions/who-should-i-let-handle-m-2788.htm" "2015-02-21 00:19:09"|"auto-insurance-qa"|"What happens when a vehicle is totaled after an accident?"|"Auto insurance does not always work out to make a person whole if their car is considered a total loss. The insurance policy provides coverage for the "actual cash value" of the car at the time of the loss. This sometimes It does not cover the perceived value of the car to the owner.You can dispute the offer from the insurance company on a total loss. It is up to you, the owner, to prove the value is greater. You can do this by researching local ads of a similar car. You can also use internet quotes and research tools like the Kelly blue book. You must use local figures, not in a totally different part of the country. If you have this type of proof go back to the adjuster and provide your proof.There are some auto policies that will now cover the full value of the car you purchase the additional coverage. It is not usually expensive, but get a quote.Of course, this will not help you in this current matter"|"When you are in an accident that results in your car being totaled, how are you made whole again if the accident was determined to not be your fault and the amount of the payment does not cover the purchase price of even a used car?"|"2015-03-08 19:39:40"|"10512"|"Carmel"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-happens-when-a-vehic-2787.htm" "2015-02-20 19:16:56"|"auto-insurance-qa"|"can i insurance a car register under another person"|"Auto insurance should be purchased in the name of the registered owner of the car. That is the person who will be legally responsible for any damages or injuries caused in an accident with that car.If you will be driving the car, then you should be listed as the driver and your age and driving record will be how the premium rate will be determined. You can also pay for the insurance on the car if you choose.The owner of the car will also need to be listed on the insurance, since they own the car. If they do not have a valid driver's license, they can be excluded on the insurance policy. Be sure you explain to your agent or insurance company the situation involving the owner and driver so the insurance is properly written to avoid any problems in the event of a claim."|""|"2015-03-08 19:32:13"|"10473"|"Bronx"|"NY"|"https://insurance.freeadvice.com/insurance-questions/can-i-insurance-a-car-reg-2785.htm" "2015-02-17 22:17:36"|"auto-insurance-qa"|"How will I be able to pay for this? Will I be taken to court?"|"If you were in an auto accident and charged with a DUI your insurance rates will go up dramatically, and you could lose your current insurance, even though you were rear ended in a hit and run accident.Your insurance company will pay for the damages to the other car, up to your liability limits. If you do not have enough insurance to pay for all of the damage, you can be held responsible for the remaining damages. Your insurance company will not sue you but the other insurance companies for the other cars can do so. They can set up payments for you to make if you cannot pay the full amount due.Make sure you get your license reinstated temporarily while this is being settled. That way you can continue to drive. You may end up with a restricted license but that is better than a suspended license. If it does get suspended you will probably lose your current insurance and will have to find a new insurance company at a much higher cost."|"I was in a car accident 2 weeks ago, it was a hit and run (I have photo evidence I was hit from the back) but I had alcohol in my system so I was charged with a DUI. I hit 3 parked cars, I only pay for liability, so will my insurance cover the other cars? If so will they charge me for the damages and if I am not able to pay will my insurance sue me? What can I do to prevent going to court or what are my options in resolving this problem? "|"2015-03-07 21:52:12"|"91311"|"Chatsworth"|"CA"|"https://insurance.freeadvice.com/insurance-questions/how-will-i-be-able-to-pay-2783.htm" "2015-02-14 14:03:55"|"auto-insurance-qa"|"I have a dui in another PA 10- years ago. I want to go for car insurance in SC and buy a car in my name finally. Am I good to go?"|"Each state is different in how they handle a DUI on a person's driving record. To my knowledge, ten years is about the longest that it stays on the record. When you apply for insurance, the insurance agent or company will ask for your driving record, and they will usually tell you how far back they want you to go. If you are not certain, ask them. If you are beyond the time frame, it will not affect your insurance or ability to get it.If you have not had a driver's license during this time, you may pay a penalty for being an "inexperienced" driver. If you have had a license but no car, they should not apply a penalty, but every insurance company is different. Make sure you get a firm quote from the company before you sign up. You should also get multiple quotes before deciding, since rates vary quite a bit. "|"Will the dui from ten years ago effect me here now? IT's been 10 years and I'm finally ready to buy a car and get insurance in another State. Do I have to tell them about the previous conviction from so long ago?"|"2015-03-09 21:34:38"|"29456"|"College Park"|"SC"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-dui-in-another-p-2779.htm" "2015-02-13 23:22:13"|"auto-insurance-qa"|"Can your auto insurance company increase your insurance after an at fault accident and the claims have yet to be settled?"|"If your son has an auto accident that is at fault, the insurance company can increase your insurance rates for that accident. Even though all of the clams have not yet been settled, the insurance companies have a formula for how many "points" they will charge if there is an accident. Usually the rate increase is different there are injuries.Your insurance company may have increased your rates to reflect the accident but have not increased due to the injuries caused. You can call your agent or insurance company and ask them to explain how the increased premium was arrived at. They are required to provide this information if requested. The increased premium cannot be made in the middle of the policy term. It can only be done at the nearest renewal date. If they are increasing the premium in the middle of the policy term, call them about it. If you cannot get a satisfactory answer, you may have to call the Dept of Insurance in your state for assistance."|"Our son was driving and crashed with 4 passengers injuring all. He then struck another vehicle totalling it. That driver wasn't injured. Only 2 claims have been settled with 2 pending. Just 2 months after the accident I received notice from my insurance that my premium jumped from $1,286 / bi-yrly to $2,680.86 and I got notice that it's going up another $976 for the year. Today I was told an insurance company cant do this. I'm trying to find out if this is true.I have more questions but not enough space to write."|"2015-03-07 21:59:29"|"45246"|"Cincinnati"|"OH"|"https://insurance.freeadvice.com/insurance-questions/can-your-auto-insurance-c-2778.htm" "2015-02-10 02:25:53"|"auto-insurance-qa"|"Liability insurance exceptions"|"Insurance companies must provide liability coverage for injuries and damages to another person's car even if their driver had a DUI. The insurance policy does not allow the insurance company to deny coverage due to a violation of driving rules.The amount the insurance company will pay for bodily and property damage, is of limited to the amount of insurance that the driver had. Most policies show the amount for liability and the amount for property damage. However, some policies are a "combined single limit" which is one amount that will pay for either or both up to the amount of insurance on the policy. Of course, if the policy was cancelled for non payment of the premium prior to the date of the accident, then the insurance company can, and will, decline coverage for the accident. In that case, you may be able to file a claim with your uninsured motorist coverage under your policy. This will not affect your rates if you file this type of claim."|"are there instances when an insurance provider would refuse a liability claim? for instance if the insured driver DUI/DWI at the time of the accident and he/she is found at fault for the accident."|"2015-03-09 21:45:23"|"30096"|"Berkeley Lake"|"GA"|"https://insurance.freeadvice.com/insurance-questions/liability-insurance-excep-2772.htm" "2015-02-09 18:05:03"|"auto-insurance-qa"|"can my grand daughter drive my car if not on title or ins policy and still be covered on my ins "|"If your granddaughter occasionally drives your car, she will be covered under your policy as a permissive user. If she causes an accident in your car, your insurance will be responsible for any damage or injuries sustained in the accident. If she has not been listed on your insurance up to that time your insurance company may request information about her. You can explain she is only an occasional operator of the car.However, if she lives with you or is a regular user of your car, then she does need to be listed on your car insurance as a driver. Her age and driving experience can cause your insurance rates to go up if you add her.If she has her own car and insurance, she does not need to be added, even if she lives with you, since she is paying insurance for herself on another insurance policy."|""|"2015-03-08 19:46:18"|"54845"|"Hertel"|"WI"|"https://insurance.freeadvice.com/insurance-questions/can-my-grand-daughter-dri-2770.htm" "2015-01-29 14:41:53"|"auto-insurance-qa"|"Can a person with a license get car insurance in their name on someone else's vehicle for them."|"In auto insurance, insurance follows the car, and the should be insured in the name of the registered owner. The registered owner is the person legally responsible for any damages or injuries caused in the event of an auto accident.You can be listed on the auto policy as a driver. The premium will be based on your age, driving experience and driving record. The insurance company should not have a problem with this. The owner of the car should also be listed, unless they are not a licensed driver. If you cause an accident, the owner of the car will be defended by the insurance company and you will be defended too. However, if there is damage to the car, any payment will be made to the owner of the car.You can pay the premium for the insurance on the car if you wish. The insurance company will be willing to bill you for the premium due."|""|"2015-03-30 15:37:27"|"23234"|"Ampthill"|"VA"|"https://insurance.freeadvice.com/insurance-questions/can-a-person-with-a-licen-2756.htm" "2015-01-29 09:12:36"|"auto-insurance-qa"|"How will paying a ticket for expired inspection sticker affect my insurance rates?"|"Auto insurance rates are affected by moving violations and at fault accidents that occur. A ticket for an expired registration will not affect your insurance rates. It will probably show up on your driving record, but since it is not a moving violation, the insurance company will not consider this regarding your insurance premiums.Some insurance companies will charge you for using a mobile device, such as a cell phone and some will also charge you for using a carpool lane illegally.Of course, cost of the ticket for the expired registration will be a cost you must pay as well as paying for the registration and the late charges you may incur."|"In New Jersey will paying a ticket for having an expired sticker (In NJ the statute is 39:8-1) raise my rates (Im paying a lot per month already due to some previous violations). Or should I try to fight the ticket and maybe plead to something less that wont show on my driving record. I need to know asap because the due date for payment is soon. thanks!!"|"2015-03-31 17:11:45"|"07032"|"Arlington"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/how-will-paying-a-ticket--2755.htm" "2015-01-29 02:34:10"|"auto-insurance-qa"|"What if you can fax proof to contest an invalid insurance summons but court policy is to attend in person even though distance make it impractical?"|"this is really not an insurance question."|""|"2015-03-31 17:12:40"|"11412"|"Jamaica"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-if-you-can-fax-proof-2754.htm" "2015-01-28 00:47:04"|"auto-insurance-qa"|"putting insurance on a car for a family"|"In auto insurance, insurance follows the car, and the car needs to be insured in the name of the registered owner. The registered owner is the person legally responsible for any damages or injuries caused in the event of an auto accident.You can list your granddaughter on the car as a driver. Her driving experience and driving record will determine the premium amount. The insurance company should not have a problem with this. You, as owner of If your granddaughter causes an accident, your insurance will pay for the damages and injuries. She can pay the premium for the insurance on the car if you wish. The insurance company will be willing to bill her for the premium due.It would be better to have the car registered in your granddaughter’s name and let it be her liability in the event of an accident. See if the bank will agree to her being listed as an owner on title and insurance."|"I purchased a car for my g-daughter we live in the same state but not the same town, the bank requires I put insurance on it before she takes it out of the lot the loan is in my name I will be doing the payments on it can she have the car insured under her name only"|"2015-03-30 16:56:01"|"34476"|"Ocala"|"FL"|"https://insurance.freeadvice.com/insurance-questions/putting-insurance-on-a-ca-2750.htm" "2015-01-27 22:50:05"|"auto-insurance-qa"|"I got rear ended but I didn't have insurance?"|"If you are involved in an auto accident that is not your fault, the fact that you do not have insurance is irrelevant. The fact that you do not have insurance had no effect on the accident occurring.The driver who caused the accident is responsible and his insurance company should pay for the damages to your car, and for any injuries you may have sustained in the accident.If the other driver has reported this to his insurance company, you should call them repeatedly until they respond. If you cannot reach the adjuster who is assigned to the claim, you should ask for a supervisor and discuss the situation with them. In many states, including California, the insurance company has a limited amount of time to respond to and settle a claim. If they take beyond that time for no apparent reason they can be fined by the Dept of Insurance. If necessary call the Dept of Insurance for assistance."|"What are my options? I filed a claim to their insurance but they haven't fixed my car or doctors bill. I'm in CA"|"2015-03-31 17:19:09"|"90019"|"Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-got-rear-ended-but-i-di-2749.htm" "2015-01-25 15:43:44"|"auto-insurance-qa"|"is it legal to plate and insure a car in mi. and drive it in fl. and store it in fl. for the summer"|"If you live in Mi you should insure the car in that state. The car is covered if you drive it in any other state, even if insured in Mi even if the other state has no fault insurance, your insurance will protect you in the event of an accident. If you decide to store the car in another state on a permanent basis, you should insure it in that state, unless it is not a permanent situation.If you own a home in both states and one car will be spending most of its time in the other state, you should consider insuring it there full time. You may want to ask your insurance company about it, but there is no requirement that you do so. You might also determine the least expensive way to register and insure the car."|"i owen two cars in mi. spend my winters in fl. with wife and wish to leave the one car there and the wife can use it what do i have to do to be lagal"|"2015-01-27 21:47:37"|"48146"|"Lincoln Park"|"MI"|"https://insurance.freeadvice.com/insurance-questions/is-it-legal-to-plate-and--2746.htm" "2015-01-25 01:17:50"|"auto-insurance-qa"|"After the claim is settled between my company and person I rear ended,can a company representing their insurance company ask for more reimbursement?"|"If you caused an auto accident and had insurance on the car, you should report the incident to your insurance company and let them handle the settlement with the other insurance company.You indicate that you were told the accident was settled but that you received a final notice from the other insurance company. You should call the other insurance company and refer them to your insurance company. You should also call your insurance company and tell them you have received a final notice from the other company. That way they will both be aware of the situation and can proceed with closing out the claim. If you have a name of an adjuster from either or both insurance companies be sure to provide that information to each company, as well as any claim number. It will help them connect the incident."|"I rear ended someone in 2014. There was no way to stop in time. At first they stated they were not sure I had insurance which did. Then it stated if I didn't to contact them to set payment. My insurance company said the case was settled and they should contact my company. Today I get a final notice from this company. What should we do?"|"2015-01-27 21:52:17"|"31047"|"Kathleen"|"GA"|"https://insurance.freeadvice.com/insurance-questions/after-the-claim-is-settle-2745.htm" "2015-01-19 14:59:01"|"auto-insurance-qa"|"Question about auto Insurance cost? "|"You should go to a website for multiple insurance companies to get this information."|"Hi there, I was wondering how much it would cost me. If iI were to buy a 2004 s4 with 72,000 miles. I am 17 years old and have not been in any crash. This car would be the 4th in my parents insurance plan "|"2015-01-27 21:59:35"|"60044"|"Green Oaks"|"IL"|"https://insurance.freeadvice.com/insurance-questions/question-about-auto-insur-2739.htm" "2015-01-18 14:40:17"|"auto-insurance-qa"|"I have one month left from a cancelled insurance policy due to a dui; I need a part fixed on my vehicle; can I put in a claim on the repair"|"If you have existing damage to your car due to an accident of some kind, you need to file the claim with your current insurance company. Depending upon the type of damage and the cause, you will most likely have a deductible that will apply to the claim. You will need to report the claim to the company and explain the circumstances before they will proceed on a settlement amount with you.If the damage to the car is over a certain amount, usually around $500 to $750 then the accident will show up on your claim record with the new insurance company. If the damage was due to your negligence, then your rates could go up with the new insurance company. However, if the damage was caused at the same time as the ticket you received, they cannot charge for both. They will most likely only charge for the DUI."|"before I get another insurance company and will it affect my next policy"|"2015-01-27 21:58:45"|"44133"|"Cleveland"|"OH"|"https://insurance.freeadvice.com/insurance-questions/i-have-one-month-left-fro-2737.htm" "2014-12-30 19:49:19"|"auto-insurance-qa"|"Auto incident for which the case was dismissed but insurance asking for more information when trying to get quote."|"It is presumed that you have volunteered the information on the accident to the new insurance companies. If not, there must be a record of the accident done by the police. If you have volunteered the information, then you simply need to explain that it was a minor incident and there was no damage to either car and no insurance claim was filed. If there was a police report, then you must explain with the above information.Going forward, presuming the incident is not on your record, do not provide information on the accident. Since there was no damage and no claim, then you do not need to tell the insurance companies about it. If there is a record, then you must continue to explain no damage and no claim was filed."|"There was an trivial incident where I believed I was not at fault but still said sorry and moved on. Few days later, cops came and stated about complaint they received. I involved an accident attorney and the case was dismissed. Insurance wasn't involved as there was no claims.Seeking quotes from other insurance providers, they have questions about it and want to know if I was at fault or not and how much money was paid out. It has become tricky situation as insurance wasn't involved and no claims were made. Was it required for me to involve insurance. Can they increase the premium for this?"|"2015-01-03 22:25:16"|"98007"|"Bellevue"|"WA"|"https://insurance.freeadvice.com/insurance-questions/auto-incident-for-which-t-2709.htm" "2014-11-18 04:15:09"|"auto-insurance-qa"|"Do you need to carry insurance on a vehicle owned by your parent that's registered in another state?"|"The owner of a car should insure that car and list the driver who will be using the car on a regular basis. Most insurance companies want the car to be insured where it is garaged, since states have differing laws regarding insurance. Even though you live in another state, you can have the mailing address at your residence, but insure the car in Florida. The driving record of your son will be considered when the car is insured. Also, many insurance companies only insure drivers who are listed on the policy, so again be sure to list the drivers of the car.Another issue for insuring the car where it is garaged, some states are "no fault" states, which is a different type of insurance. Florida is one of the no fault states, so again, insuring the car in the state where it is garaged is the best way to handle the insurance."|"I own a vehicle currently being used by my adult son. The vehicle is registered in Ohio (where the owner resides) but is being driven in Florida. Does the Florida driver (who does not own any vehicle) also need to carry insurance on the vehicle? or does the driver just need to carry Liability Insurance?"|"2014-11-19 18:16:18"|"43612"|"Toledo"|"OH"|"https://insurance.freeadvice.com/insurance-questions/do-you-need-to-carry-insu-2640.htm" "2014-11-15 19:30:22"|"auto-insurance-qa"|"Does my brother, who just died, car insurance cover me when driving his car until I get iinsurance changed into my name"|"The insurance on your brother's car should cover you as a driver even though he is deceased. However, you should make sure the insurance policy is not a "named driver" policy, which would only cover drivers listed on the policy. If that is the case, you should call the insurance agent or company and add yourself as a driver of the vehicle. If you are the executor of your brother's estate, then you would be covered as the executor.You will probably need to wait for the estate to settle before you can change the title of the car to your name, and then you can get insurance on the car in your name. If you are the only heir, then the change may be able to be made sooner than later. It may be a good idea to talk to your brother's agent or insurance company about the situation. They will work with you to be sure the insurance is properly written for the situation. They should have no problem with you as a driver, unless you have a bad driving record."|""|"2014-11-19 18:22:11"|"60612"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/does-my-brother-who-just--2638.htm" "2014-11-13 14:45:10"|"auto-insurance-qa"|"insurance coverage"|"If you have a child in the household who has a valid driver's license, they will be covered under your insurance. You do need to call your insurance agent or company and add them to your policy as a driver. Depending upon the driving experience, your insurance costs will increase. You can receive discounts for them too such as driver's education training, good student discount (if they are in school) and there are other possible discounts.If your child only has a permit for driving, they do not need to be added to your policy until they receive their actual driver's license. If your child is an adult and/or does not live in the home, they do not need to be added to your policy unless they are the primary driver of the vehicle. If they occasionally use the car, they would be covered as a permissive user. If they have their own insurance on another car they also do not need to be added to your policy."|"is my child covered under our policy and if so, what age will the coverage end?"|"2014-11-19 18:33:04"|"14830"|"Corning"|"NY"|"https://insurance.freeadvice.com/insurance-questions/insurance-coverage-2634.htm" "2014-11-12 21:13:02"|"auto-insurance-qa"|"What do I do with my auto insurance?"|"The owner of a car should insure that car in their name and list the driver who will be using the car on a regular basis. Most insurance companies want the car to be insured where it is garaged, since states have differing laws regarding insurance. Even though you live in another state, you can have the mailing address at your son's residence, but insure the car in New Jersey. Your driving record will be considered when the car is insured. Also, many insurance companies only insure drivers who are listed on the policy, so again be sure you are listed as a driver of the car. Another issue for insuring the car where it is garaged, some states are "no fault" states, which is a different type of insurance. New Jersey could be one of the no fault states, so again, insuring the car in the state where it is garaged is the best way to handle the insurance."|"I am moving from Ohio to New Jersey. My vehicle is registered in my son's name who is and will remain living in Ohio. Do I need to insure my vehicle in Ohio or New Jersey. "|"2014-11-19 18:39:34"|"44425"|"Hubbard"|"OH"|"https://insurance.freeadvice.com/insurance-questions/what-do-i-do-with-my-auto-2632.htm" "2014-11-10 13:29:21"|"auto-insurance-qa"|"If I didn't take my 5 - hour course and I wanted to get insurance can i still get insurance without taking my 5 - hour course. "|"what type of 5 hour course are you referring to?"|"I live in long island new york if that should help answer this question"|"2014-11-19 18:40:55"|"11798"|"Wheatley Heights"|"NY"|"https://insurance.freeadvice.com/insurance-questions/if-i-didn-t-take-my-5-hou-2629.htm" "2014-11-04 06:48:19"|"auto-insurance-qa"|"Who is at fault for hitting a garbage bin; driver or homeowner? "|" If you are driving and strike a stationary item, even if it is in the road, you will most likely be held liable for the damage to your car. This is similar to striking a car door. If someone opens the door into traffic, then the person who opened the door is responsible. However, if the door is already open, and someone drives down the road and strikes it, then the driver is at fault.The garbage can in your instance could have been blown into the street by winds and the owner would not have known it. Depending upon the cost of the mirror, you may want to pay for the repairs yourself, since you probably have a deductible (this would be the collision deductible) and the cost of the mirror may not be worth filing a claim."|"While driving, my passenger-side mirror clipped a wheeled garbage bin that was placed on the sidewalk. I believe the bin was too close to the road. I did not hit the curb. The tip of my mirror hit the protruding top of the bin. The force of the impact did not move the bin. My side mirror cracked and has to be replaced."|"2014-11-10 18:26:41"|"85277"|"Mesa"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/who-is-at-fault-for-hitti-2621.htm" "2014-10-02 12:00:03"|"auto-insurance-qa"|"in Colorado How long does my current car insurance cover my new car after I drive it off the lot?"|"Coverage for new cars varies by insurance company. Most will cover the new car for 10-15 days from the date of purchase. If you traded in a car, the coverage on that car determines what coverage you have on the new car. If you did not have comprehensive and or collision coverage, than the new car will not automatically have it.If the new car is an additional car, the broadest coverage on the other cars will determine the coverage on the new car.When you call your insurance agent or company you will then tell them what coverages you want on the new car. You can ask for quotes for various deductibles to determine what you want to buy.If you do not call your insurance agent or company within the time frame determined under your policy then there is no insurance on the new car. It is very important to call your insurance company promptly when you get a new car. Since most companies have 24/7 phone access you should not have a problem getting the new insurance started."|"How long does my current car insurance cover my new car after I drive it off the lot? Does the state of Colorado mandate that car insurance must cover the new car after for a certain number of days or weeks? "|"2014-10-06 12:06:47"|"80111"|"Centennial"|"CO"|"https://insurance.freeadvice.com/insurance-questions/in-colorado-how-long-does-2572.htm" "2014-09-25 18:59:22"|"auto-insurance-qa"|"Can I charge a broker fee in South Carolina? "|"check with your Dept of Insurance."|"If so, can I call it a broker fee or does it have to be called something else? Is there a limit as to what I can charge for example a certain % of the premium? "|"2014-10-06 12:08:15"|"90024"|"Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-charge-a-broker-fee-2565.htm" "2014-09-25 18:56:38"|"auto-insurance-qa"|"Can I charge a broker fee in North Carolina?"|"check with your Dept of Insurance."|"If so, can I call it a broker fee? Is there a limit to what i can charge ie a % of the premium? "|"2014-10-06 12:08:31"|"90024"|"Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-charge-a-broker-fee-2564.htm" "2014-09-25 18:54:50"|"auto-insurance-qa"|"My agency has a non-residence insurance license in the state of Georgia. Can I charge a broker fee?"|"check with your Dept of Insurance."|"If I can charge a broker fee, can I call it a broker fee? Is there a cap on the amount I can charge? Does it have to be a certain % of the premium? "|"2014-10-06 12:08:42"|"90024"|"Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/my-agency-has-a-non-resid-2563.htm" "2014-09-24 18:55:18"|"auto-insurance-qa"|"How much should I get for pain and suffering after leg was run over?"|"talk to a lawyer"|"I was exiting a car when the driver took off and sent me flying out. My face hit the road, resulting in a fractured nose and a busted lip, with a whole lot of bleeding. Then, the back tire of the car ran over my right leg. I was taken to the emergency room from the scene. I have a sprained MCL and bone contusions and have been told that the pain could take several week to go away. I was on crutches for almost two weeks. There was some road rash on my right foot and knee (which is obviously going to leave a scar behind). The driver also left the scene. He has already been found at fault and my "|"2014-10-06 12:09:24"|"77070"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/how-much-should-i-get-for-2560.htm" "2014-09-23 22:44:56"|"auto-insurance-qa"|"What type of compensation will i recieve from being rear ended if my car was previously declared totalled?"|"Presuming that you mean your car had the extensive damage BEFORE the accident and had been declared a total loss, then you will most likely not receive any compensation for further damages to the car. If you were paid for the earlier damages to your car then it seems the insurance company would have taken the car as a part of the settlement. If you did not have coverage on your car so you did not receive any money for the damages, it would still be your responsibility to repair the car.Since it had been determine a total loss and repairs were not made, then there is no value to the car as far as the insurance company would be concerned. A total loss is just that- TOTAL.Of course, if you were injured in the accident then the other insurance company will need to pay for your injuries. They may be unwilling to work with you if the current damage to your car caused a part of your injuries."|"My car was considered totalled due to extensive body work damage. IT however would still drive, however i was rear ended and now there is signifficant damage to areas that need repair. What do i do?"|"2014-10-06 12:16:05"|"85306"|"Glendale"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/what-type-of-compensation-2557.htm" "2014-08-22 21:53:41"|"auto-insurance-qa"|"My car was hit while I was parked the insurance company deemed my car a total loss but i want to keep my car what happens at this point ? "|"If your parked car was damaged to the point of being determined to be a total loss, the insurance company will pay you the actual cash value of the car, less your deductible The actual cash value may not be what you consider the car to be worth, but the insurance company bases the value on current values from the Kelly Blue Book and other sources. You can try to provide proof the car is worth more through local ads or other sources, but the insurance company may still deny the additional value.If the car is totaled, you may be able to purchase the car back as salvage. Talk to the adjuster about this. If you do so and repair the car it can be insured, but the title will show it is a salvaged vehicle. If you can get collision coverage again the value of the car will be reduced and if there is another collision you will get less than you may expect."|""|"2014-08-26 11:27:36"|"38701"|"Crossroads"|"MS"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-hit-while-i-wa-2507.htm" "2014-08-21 13:42:43"|"auto-insurance-qa"|"Brand new furniture was destroyed due to a fire in the back of a rented pickup truck. Will my insurance cover my furniture and the rented truck?"|"If there was a fire that destroyed a rented vehicle your insurance company may pay for the damages to the truck, depending upon what caused the fire. If it was a vehicle malfunction they may deny coverage on the truck, since it was caused through no fault of yours. You need to work with the insurance company to be sure you are protected if the rental company tries to come back to you for the cost of the truck. If the fire was caused by something that you did, then the insurance company will pay for the damages, or if the truck is a total loss, they will pay the actual cash value of the truck.Your personal property that was destroyed in the fire will be covered under your homeowner insurance policy, less the deductible. Since the property was new there will be no depreciation issues at all. Again, if the fire was due to a malfunction of the truck, the insurance company may subrogate against them for the personal property. If they are successful then you will get your deductible back from the insurance company."|"Please help... I never even got to open my furniture out of the wrapping."|"2014-08-26 11:32:38"|"19401"|"Black Horse"|"PA"|"https://insurance.freeadvice.com/insurance-questions/brand-new-furniture-was-d-2506.htm" "2014-08-15 17:06:17"|"auto-insurance-qa"|"A valet company wrecked my car, they said they are going to have their body repair shop fix it. Should I notify my insurance?"|"If a valet company wrecks your car while they have possession of the car, they are responsible to take care of the repairs. If the car will take three days to repair, they must give you a rental car for that time. If you are not happy with the time it is taking to get this taken care of you should continue to call the insurance company to confirm they have accepted the cost for a rental car and to confirm the date the car is to be taken in. If they continue to delay you can use your insurance company for the repairs and they will then subrogate against the other insurance company for the cost of the repairs. However, your collision deductible will apply if you use your insurance company. Once they get the money from the other insurance company you will get your deductible reimbursed.If you stay with the valet's insurance you do not need to report the incident to your insurance company since they will not be involved."|"Its been 2 weeks since the incident, it also took a week for them to call and set up a time to look at the car damage, after they looked at it they called and said they need the car for 3 days to fix it, and said they were going to see about getting me a rental car for the time being but have not called me back in 2 days. What should I do?"|"2014-08-16 16:40:55"|"75150"|"Mesquite"|"TX"|"https://insurance.freeadvice.com/insurance-questions/a-valet-company-wrecked-m-2497.htm" "2014-08-14 16:58:02"|"auto-insurance-qa"|"do you have to pay your dedctiblel if your car is legally parked"|"When your car is struck by another driver, even if the car is legally parked the deductible for collision will apply if you use your insurance company. If you know who the other driver was and get their insurance company information you can go directly to them to arrange to have your car repaired. You can use your insurance company even if you do know who the other insurance company was and then your insurance company will subrogate against the other insurance company. If they are successful in recovering the money for your repairs your deductible will be reimbursed.If the incident was a hit and run, your only recourse is to have your insurance company repair your car and the deductible will apply and there is no way to get reimbursed for it. Even if you have uninsured motorist property damage the deductible will apply as UMPD does not apply unless there is an identifiable driver involved. However, even if your insurance company pays for the damages, your rates will not be affected since the accident was not your fault."|""|"2014-08-16 16:46:56"|"48357"|"Highland"|"MI"|"https://insurance.freeadvice.com/insurance-questions/do-you-have-to-pay-your-d-2495.htm" "2014-08-13 17:25:20"|"auto-insurance-qa"|"Insurance Lapse, Rear-end, Hit & Run "|"If you have an accident without insurance you can be cited by the police for driving without insurance. It is irrelevant if you were at fault or not in the accident.The insurance companies usually have a grace period to pay a past due premium on your insurance. If you were past the grace period, then you will have no coverage for the damage to your car - you will have to pay for the repairs yourself. Your insurance company may be willing to reinstate the insurance or you may have to apply for a new policy. If the accident shows on your driving record, due to a police report, you may be charged unless you have proof it was not your fault. If the insurance company does not pay for the damages, they may also let the accident not be considered chargeable. Check with your agent or insurance company to see how they will handle this incident."|"I was behind a car two to three car lengths behind at 45 mph, the light was approximately 1/8 of a mile in front of the car in front of me and was green, when the car suddenly slammed on its breaks and I had no time to stop soon enough, and ended up rear-ending the vehicle. The front end of my vehicle was destroyed, the other car's rear bumper didn't even look damaged. However, the driver continued down the road and didn't return. I however, unbeknownst to me, was lapsed with my insurance. So, what are the insurance's responsibilities to me, when the cop ruled that I wasn't at fault? "|"2014-08-14 11:33:20"|"46074"|"Carmel"|"IN"|"https://insurance.freeadvice.com/insurance-questions/insurance-lapse-rear-end--2494.htm" "2014-08-11 22:37:49"|"auto-insurance-qa"|"There was a big flood, I drove through a flooded street and the water damaged my engine. What does my AAA car insurance cover?"|"If your car was damaged due to a flood and you have full coverage, your insurance company will pay to repair the vehicle less your deductible. If the car is repairable, then they will pay for the repairs to the car. If the water damage caused damages to the computer system, then the car may not be repairable and the car will be considered a total loss. Your deductible will still apply.If the car is a total loss the insurance company will only pay the actual cash value of the car. This may not be sufficient to pay off the lease on the car so you may still owe money to the leasing company. It depends upon the age of the car and how long you have been paying on the lease as to whether you will have enough coverage to pay off the lease. If you feel the amount offered for a total loss is not enough then you must prove the value of the car is higher. You can do this through local ads for a similar car."|"I have full coverage with a $500 deductilbe with AAA Michigan and my car is a lease. I was driving during the heavy storm in Michigan today, the flooded city streets were too deep and my car's engine started to make noises due to the water. I stopped driivng it and it is able to be driven, however, it makes a noise and I don't think it is safe. With my full coverage insurance, would this be a covered claim where I would only need to pay the deductible and my AAA insurance would cover the rest?"|"2014-08-14 11:38:53"|"48309"|"Rochester"|"MI"|"https://insurance.freeadvice.com/insurance-questions/there-was-a-big-flood-i-d-2491.htm" "2014-08-06 14:59:40"|"auto-insurance-qa"|"My car was hi Does an insurance company have the right to take away the rental car while my car is still on the shop"|"If your car was hit by another party and their insurance company is handling it, the insurance company needs to make a settlement with you. While this is being determined they need to provide you with a rental car.If they have determined your car is a total loss, then you need to come to an agreement as to the value of the car. When this is done the insurance company will issue a check and you must give them the title to your car. Once that is all done, the insurance company is no longer responsible for providing you with a rental car. If you are still discussing the settlement amount, then they need to keep providing you with a car, unless you are refusing all offers.If you are buying back the salvage and fixing the car, the same applies. The insurance company does not have to continue to provide you with a rental car just because you are having the car repaired. "|"My car got hit not my fault the other insurance company came and look at my car and wants to total loss of it I am having the car fixed but I still have no check for them and I had to turn in the rental carWhat do I do now"|"2014-08-09 10:51:58"|"10305"|"Staten Island"|"NY"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-hi-does-an-ins-2489.htm" "2014-08-06 14:00:34"|"auto-insurance-qa"|"Whats my legal recourse for fueding insurance company and rental company."|"for a legal recourse you need to talk to an attorney"|"Rental company accepted partial payment "without prejudice" knowing insurance company did not accept. Now I am in the middle with the rental company saying if they don't pay it goes to collections for me, Insurance company says rental company wont send documents supporting additional claim, rental car company says it doesn't have to. Mean while I'm in the middle with something potentially hitting my credit history I have worked so hard to bring up to get a house. What do I do? Is it legal what the rental car company did? If it does hit my record what are my rights to sue the ins cmpy if any?"|"2014-08-14 11:39:24"|"78702"|"Austin"|"TX"|"https://insurance.freeadvice.com/insurance-questions/whats-my-legal-recourse-f-2488.htm" "2014-08-06 09:58:26"|"auto-insurance-qa"|"A teenage drunk driver hit my parked car and totaled it. Insurance offering $1,500 for loss. What are my rights?"|"If you car was struck by another driver then that insurance company needs to settle the claim with you. If the car is a total loss then the insurance company will only pay you the current actual cash value of the car. The insurance company determines the value through local costs, Blue Books and other sources. If you disagree with the settlement offer it is your responsibility to provide proof of the value you are claiming. You can do this through local ads for a similar car.Even though the car is more valuable to you than its actual cash value, you can not sue the insurance company for additional money. They are only required to pay you the actual cash value of the car. They must also provide rental car coverage until the settlement is made and you are paid. After that it is your responsibility to obtain other transportation. You may be able to find a similar car but it may not be for the same amount that you received. "|"My car was given to my son for transportation to and from school and work. I am a single mom who cannot afford another car. Can I sue the insurance company for loss?"|"2014-08-09 10:58:17"|"30097"|"Duluth"|"GA"|"https://insurance.freeadvice.com/insurance-questions/a-teenage-drunk-driver-hi-2487.htm" "2014-07-28 15:00:18"|"auto-insurance-qa"|"affect of DUI arrest on auto insurance"|"If you received a ticket for a DUI in a family member's car and you were only visiting, the insurance rates for your family member will not be affected. If you had an accident along with the DUI the family member's insurance is responsible for any damages or injuries caused by the accident. But, again, their rates will not be affected.The ticket you received will affect your auto insurance rates when, and if, you are convicted. Your insurance company usually runs a driving record status on an annual or semi annual basis to check for tickets. When this ticket is shown on your record your rates will go up. If you lose your license, you may receive a cancellation notice for your insurance since you would no longer have a valid license. Some insurance companies will keep your insurance in force if you have been a client for a long period of time. If not, you can find other insurance for your car, but it will be expensive."|"I am trying to find out if a DUI arrest can affect my family's auto insurance. I am home for a visit and was arrested for DUI while driving a family members' car. I am not listed as an additional driver on the policy. Can my arrest jeopardize or cancel their policy?"|"2014-07-29 12:20:58"|"06786"|"Terryville"|"CT"|"https://insurance.freeadvice.com/insurance-questions/affect-of-dui-arrest-on-a-2473.htm" "2014-07-28 14:59:37"|"auto-insurance-qa"|"If my insurance company determines my vehicle a total loss, but the ACV is less than I owe, can I file a third party claim to pay the difference?"|"If your car was a total loss in an accident you can work through your own insurance company or the insurance company of the responsible driver. Either way, the insurance companies will determine the current actual cash value of your car. This is based on various sources such as the Kelly Blue Book, the Gold Book and local sales of a similar car. Even if you owe more that the actual cash value of the car, the ACV is all you will receive from the insurance company. By settling through your insurance company, it does not give you the right to go back to the other insurance company for additional money. However, your insurance company is including the deductible in your settlement. If they get full reimbursement from the other insurance company when they subrogate against them, you will get your deductible reimbursed.You can try to get the insurance company to increase the offer on your car. You can do this by providing them with other sources that show the value of your car is higher than offered. If you are successful, you will get the additional amount you were able to prove as the increased value of your car."|"In this case the other driver was at fault in the accident."|"2014-07-29 15:16:52"|"30141"|"Hiram"|"GA"|"https://insurance.freeadvice.com/insurance-questions/if-my-insurance-company-d-2472.htm" "2014-07-26 17:09:25"|"auto-insurance-qa"|"If I was in an accident and neither driver was at fault because the traffic light was broke. Does the other drivers insurance have to pay for my car?"|"If you and another driver were involved in an auto accident and no fault is determined due to the malfunctioning traffic light, then each of your insurance companies will handle the claims with each of you. Your insurance company will work with you to repair your car, but your deductible will apply to the damages to your car. The other driver will have the same situation with his insurance company.It is possible that your insurance rates will be affected by the accident and settlement. Check with your insurance agent or company to see if they will consider this an at fault accident or not. There is usually a threshold of $700 or so and if the damages are below that then the rates are not affected. However if the damages were over that amount your rates may go up. See if the amount you will collect is worth the additional cost of the insurance. If not, you may choose not to file the claim."|"We both had green lights due to an accident that happened earlier. The police were out there directing traffic and then all of sudden left the scene. So the there was no way of knowing the traffic light was faulty."|"2014-08-03 13:29:06"|"19135"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/if-i-was-in-an-accident-a-2471.htm" "2014-07-25 17:50:35"|"auto-insurance-qa"|"If I am insured on a car and drive another car that is not insured, do I still get a ticket?"|"If you received a ticket for being uninsured, you may be able to fight the ticket if you have not already paid the ticket. If you can prove you had insurance through your mother's policy, and that her policy would cover you in another car other than hers, you are legally able to prove insurance while driving, even though the car you were in was uninsured.Contact the court for a date to bring in proof of insurance for you. The proof of insurance can be an insurance card, or, in some cases, a copy of the insurance policy showing you listed as a driver. Your name must be shown on the evidence you are providing, not just your mother's name.Presuming you were stopped for another reason than to see if there was insurance on the car you were driving, you will still be responsible for the ticket that you received for being stopped. You can only get the portion of no insurance removed from your record.In the future, make sure that any car you are borrowing has insurance on it because if you are in an accident, and the car is not insured, then your mother's policy will be responsible for any damages or injuries that you may cause in an accident."|"I recently got a ticket for no insurance on a friends borrowed car but later found out my mom has me insured for her car. (Moms car) Can I fight it in court or am I guilty regardless?"|"2014-07-26 16:33:58"|"77089"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/if-i-am-insured-on-a-car--2469.htm" "2014-07-22 13:38:22"|"auto-insurance-qa"|" Auto accident and insurance"|"If you had an accident that was somehow reduced to a parking ticket, then you do not need to disclose this to your new insurance company. However, you should be sure that the DMV for the state involved has amended the information on your driving record from an accident.You can request a copy of your driving record from the DMV. If it still shows an accident on the date in question, contact the DMV for a correction. Until that is done the accident will still show up and you could be charge for it under your auto insurance.You can also ask your current insurance company to provide you with information on your driving record. If they show the accident, it still needs to be fixed. If they are charging you for an accident, and you get it amended to a ticket, make sure they amend your policy to remove any surcharge they are making on your policy."|"My auto accident in Nevada was reduced to a parking ticket by the court and no points. Will I still need to disclose the accident to a new insurance company? Thank you."|"2014-07-23 11:48:57"|"89110"|"Las Vegas"|"NV"|"https://insurance.freeadvice.com/insurance-questions/auto-accident-and-insuran-2460.htm" "2014-07-20 13:29:25"|"auto-insurance-qa"|"Will this affect my insurANCE WHEN I GET A CAR"|"While an auto accident follows the car for payment of damages and or injuries in the accident, the driver who caused the accident is considered at fault for rating purposes. If you have had two auto accidents in a car that you do not own, your driving record with the DMV will show these accidents on your record. When you get your own car the insurance company will charge you for the accidents shown on your record. In some states, two accidents eliminate you from a good driver discount, so your premium could be quite high. If you are shown as a driver on your mother's insurance, the insurance company is probably surcharging her policy for your accidents. Once you have your own insurance, her premium should go down since they cannot charge on two separate policies for the same accidents. Make sure she updates her policy and removes you as a driver when you get your own insurance."|"I've had my license for 6 years. I have never had a ticker or anything. I completed a driver training course. I have however, had two accidents but both was with my mothers car and her insurance. Will this affect my insurance when I get a car. Would this be on my abstract."|"2014-07-23 12:40:23"|"65989"|"NULL"|"NULL"|"https://insurance.freeadvice.com/insurance-questions/will-this-affect-my-insur-2456.htm" "2014-07-17 14:52:06"|"auto-insurance-qa"|"was driving a car which I was not under the insurance policy and got into an accident claim and was denied, can I file claim with at fault insurance?"|"If you are in an auto accident and were not at fault in the accident, you should file a claim with the other party's insurance company for the damages and injuries caused by the accident. You need to contact the other insurance company as soon as possible, as they will need to investigate the accident and talk to their insured driver to get a statement. They should then advise you as to how to proceed with the claim. You were the driver, but they may also want to talk to your aunt since she is the owner of the car that was damaged. If there are no injuries, any settlement check will be made out to her and/or the repair facility.Your aunt's insurance company should not have denied the claim, unless they are a named driver policy, meaning only listed drivers are covered by the policy. This is not the normal policy, but there are several out there. Going forward you should add yourself as a driver on her policy, since you are a regular driver. If you are a young driver her rates could increase due to your age, but this accident will not affect the rates since you were not at fault in the accident."|"I was driving my aunt's vehicle, which I was not listed under her policy but I drove it regularly. I was in a car accident where the other driver was at fault which was listed on the police report. I have cure full coverage insurance on the car and they sent out an investigator to my aunt's house to question her and she told them the truth that I was driving the car regularly. She did this because she didn't want criminal charges. If the claim is denied by my auto insurance company, can I file a claim with the driver at fault's insurance company to pay for damages incurred in vehicle?"|"2014-07-17 15:33:47"|"07107"|"Newark"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/was-driving-a-car-which-i-2452.htm" "2014-07-16 12:36:57"|"auto-insurance-qa"|"My parked car was in a hit and run accident. I only have liability. I know connecticut requires uninsured motorist insurance. Am i covered? "|"Unfortunately, you are not covered for damage to your car, even under the uninsured and underinsured driver coverage. This type of coverage is only for bodily injury caused by an uninsured or underinsured driver. Some states and insurance companies offer uninsured motorist property damage insurance, but that type of coverage does not include hit and run damages. It is only a coverage if the other driver is identifiable.You may want to check the area where your car was struck to see if there were any witnesses, or any cameras which may have caught the accident on tape. You should also file a report with the police as they may have some information regarding the accident. They may be able to find the damaged car that caused the accident, depending upon the size of the town and their ability to contact repair garages for such damage. Otherwise, you do not have any recourse in getting your car repaired except out of your own pocket."|""|"2014-07-17 15:38:55"|"06897"|"Wilton"|"CT"|"https://insurance.freeadvice.com/insurance-questions/my-parked-car-was-in-a-hi-2450.htm" "2014-07-15 17:54:05"|"auto-insurance-qa"|"Are CA automobile insurers obliged to notify customers in advance of a rate increase? If so, are they required to state the reason(s) for an increase?"|"In California, the auto insurance companies need to notify the auto insurance customer if their rates are being increased due to a driving record change. This can include a ticket or accident on the driving record. If you have more than one incident on your driving record then the rates can jump even more since the good driver discount is removed if you have more than one incident in the past three years.If an insurance company takes a general rate increase, across the board, or in certain areas, they do not need to notify you in advance. If you have a good insurance agent, they should advise you of the upcoming rate increase, but many won't, in fear that you may shop around for less expensive insurance.If you are subject to the general rate increase, you should have time to shop your insurance once you get the premium notice. Most insurance companies issue renewals about 20-30 days before the renewal date which does give you time to shop. Just make sure the increase is not due to a ticket or accident."|""|"2014-07-17 15:44:10"|"90291"|"Playa del Rey"|"CA"|"https://insurance.freeadvice.com/insurance-questions/are-ca-automobile-insurer-2449.htm" "2014-07-11 16:14:13"|"auto-insurance-qa"|"If I'm a passenger and I get a ticket will it affect my insurance?"|"It is hard to imagine how you would get a traffic ticket while being a passenger on a motorcycle. If the driver was driving recklessly or carelessly, that is not your responsibility and you should not be ticketed. If this is the case, you should go to court to fight the ticket and get it dismissed.If you were in a state that requires a helmet while riding on a motorcycle, and you were a passenger, you could receive a ticket for such an infraction. In that case, the ticket is not usually chargeable as a moving violation in most states so your insurance rates should not be affected. You may want to check with your insurance agent or company, or check with the DMV to confirm this, but it most likely is not a chargeable ticket."|"If I was on a trip and was riding a motorcycle as the passenger and got a ticket will it effect my car insurance?"|"2014-07-17 15:50:31"|"24381"|"Woodlawn"|"VA"|"https://insurance.freeadvice.com/insurance-questions/if-i-m-a-passenger-and-i--2439.htm" "2014-06-24 11:20:01"|"auto-insurance-qa"|"Progressive grossly underpaid for my wreck truck.The other driver insurance, Progressive, gave me a check way under the estimates that I acquired."|"The insurance company cannot demand that you go to their body shop. However, you may get a better warranty on the work if you do. If your body shop is higher, you will have to have them prove that the costs are higher. If the insurance company has a lower estimate for the same work, then they will not pay the higher amount unless your body shop can prove why the costs are higher.Talk to your body shop and see why they are asking so much more for the repair work. If you are ok with what they say, have them call the adjuster to discuss their cost differences. If the difference cannot be worked out, then you may have to either pay the difference out of pocket or go to another body shop for the work. You may also try to speak to a supervisor to see if they will agree to pay a higher amount."|"Progressive grossly underpaid for my wreck truck.The other driver insurance, Progressive, gave me a check way under the estimates that I acquired from other body shops by over a thousand dollars. What are my choices?Do I have to take what they pay or can I appeal it?They told me that I could take that or that their body shop could fix it."|"2014-06-24 11:27:11"|"77379"|"Klein"|"TX"|"https://insurance.freeadvice.com/insurance-questions/progressive-grossly-under-2416.htm" "2014-06-23 18:54:27"|"auto-insurance-qa"|"Had an at-fault accident with foreign driver license, will it affect my premium after got U.S. driver license?"|"If you have an auto accident in the US on a foreign license the information may not automatically transfer to the new US license. However, the insurance company that paid for your accident will report to a national system regarding your accident. If they obtain your US license number it will then connect to the new license and other insurance companies will be able to determine that you do have an accident on your record.If you change insurance companies and do not reveal that you had the accident it is technically fraud. The new insurance company will probably find out about the accident and can either increase your rates or cancel your insurance for not revealing the claim. Then you may find it even harder to find insurance since you lied on an application. It would be best to either stay with your current company or shop around revealing the accident. "|"I had an insurance policy at the time the accident happened and the premium, of course, increased. I got American driver license a few months after the accident and am wondering if I change to another insurer and tell them my record is clean, will it be a fraud? The insurer now I have has paid tens of thousands dollars for my accident, if I change my insurer, will they tell the other insurer about my accident? Thanks for helping!"|"2014-06-24 11:32:51"|"21210"|"Baltimore"|"MD"|"https://insurance.freeadvice.com/insurance-questions/had-an-at-fault-accident--2414.htm" "2014-06-23 12:56:49"|"auto-insurance-qa"|"I've been scammed... Someone sold me a policy that never existed and I was left with the cost of the repairs.... what now? "|"get a lawyer"|"Back in 2012 I got a quote from an ex buddy of mine that works as an insurance broker. As a young adult my rates were very high so if a friend can help me save money, why not. I took his advice, he sent me the quote and assured me that in 24 hours my Quote # would become my policy number. I was happy. I was in an accident a few days later which caused $6000 in damages to my car. I went to an auto body shop and they cant find my policy. Turns out I was sold a quote and the broker pocketed my money. I was uninsured and left responsible with the bill. What should I do next? "|"2014-06-24 11:33:40"|"91352"|"La Tuna Canyon"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-ve-been-scammed-someone-2412.htm" "2014-06-21 01:44:15"|"auto-insurance-qa"|"Is there any way I could still have to pay for damage to my car caused by an accident I was in where the police determined I was not at fault?"|"In an auto accident the insurance follows the car. If the driver did not own the car, even though he was driving it, the owner of the car's insurance company is responsible. If the insurance company cannot get a statement from the driver, they should try to speak to the owner of the car to see if they can get the driver to respond. If this is unsuccessful, you may have to turn to your insurance company to pay for your damages, less your deductible. Then your insurance company will go after the other insurance company and they will work out a settlement. Since there is a police report and witnesses, the other insurance company is eventually going to have to settle this with you or your insurance company. Even as this works out, your rates will not be affected since the accident was not your fault.If you do not have collision coverage on your car, then you are going to have to push the other insurance company to settle. Again, point out the police report, witnesses etc. If you are not getting results ask for a supervisor who may be able or willing to work this out with you."|"I was cut off in an intersection by a driver going straight thru a right turn only lane. I braked & avoided a collision, but a cyclist behind me couldn't stop in time & crashed into me. The driver who cut me off got a ticket. I reported the accident to both of our insurance companies, but the at fault driver has not responded to any calls from me or insurance. He was also an out of state driver (FL) using someone else's car, & lied to the police, saying he was never in the right turn lane, but witnesses gave accounts matching mine. I am worried he will never respond & no progress will be made."|"2014-06-24 11:40:40"|"80121"|"Centennial"|"CO"|"https://insurance.freeadvice.com/insurance-questions/is-there-any-way-i-could--2410.htm" "2014-06-19 20:17:25"|"auto-insurance-qa"|"Insur double dipping ?"|"If your car insurance included your son as a driver on the policy, the rates are obviously affected due to his age and driving record. If he has now gotten his own insurance you can remove him from your policy. You may need to provide your insurance company with evidence of his separate insurance but they will then be willing to remove him from your policy.You will owe premium for the time your son was on your insurance policy. The date he is removed will then be deducted. However, if you are making monthly payments you may still owe premium for your son since the amount of his cost of the policy may not be paid up yet. Ask your insurance company for an accounting of the policy, what the original premium was, what it is now and how much you have paid. That should show you how much more you owe for the time your son was on the policy. "|"Son was on our policy, he now has his own policy elsewhere, our insur com making us pay his part of policy off."|"2014-06-24 11:45:25"|"55448"|"Coon Rapids"|"MN"|"https://insurance.freeadvice.com/insurance-questions/insur-double-dipping-2408.htm" "2014-06-13 18:57:16"|"auto-insurance-qa"|"what does it mean to me if the insurance co only will accept 75% of accident when it was clearly 100% their fault"|"If you were in an auto accident and did not have insurance at the time, it does not absolve the other party or their insurance from payment of the damages. The responsible party must pay the repairs to the other party.If there is a police report and witnesses, you need to present these to the insurance company for reconsideration. If they still say it is not their full responsibility, you need to ask them for an explanation as to why they are not responsible. You may be able to offer a rebuttal to their position.If they continue to deny, you can ask for a supervisor to try to get further settlement offer and/or ask your agent for assistance. If all of this fails, you may have to take them to court, but it will cost you since you did not have insurance so you will have to hire a lawyer on your own."|"I was in an auto accident 1 yr ago, it was the other persons fault, he was crying becuz he thought he killed me. I was not hurt, but my convertible was totaled. I did not have ins, but he did.now they r telling me they will only accept 75 % fault. I do have witnesses,but I guess they ( ins co. ) never got that info. They made me an offer and I dont want it, because he was 100% at fault."|"2014-06-25 12:52:11"|"91331"|"Arleta"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-does-it-mean-to-me-i-2404.htm" "2014-06-12 16:18:02"|"auto-insurance-qa"|"What can I do after my insurance was cancelled if an accident happened after cancellation?"|"If the insurance agent improperly applied your payment to the wrong policy, then they should be able to correct the payment and get your insurance reinstated back to the date of cancellation. You need to go in to see your agent and have them correct the issue. If you have already spoken to your agent, then they should be working on fixing this issue so your insurance will be reinstated and the accident covered. You may need to keep following up, as this process could be slow. Make sure the agent acknowledges they misapplied the payment.You should also contact the adjuster on your claim and tell them to contact your agent and that they misapplied the premium payment and they are correcting it. The adjuster should be willing to call the agent to work this out. Ask them to continue processing the claim while the error is corrected. "|"My father has two policies and the agent wrongly took my payment for my father's car policy instead of mine. I walked out of the agent's office thinking I had made a payment for my policy on 05/06/2014 but the agent misplaced the payment into my father's policy. I received my cancellation notice from 05/25 today 06/12 and the accident happened on 05/26/14."|"2014-06-25 12:58:21"|"10606"|"White Plains"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-can-i-do-after-my-in-2403.htm" "2014-04-29 01:01:29"|"auto-insurance-qa"|"What are my options?"|"When you purchase a car it is always best to get the insurance in place before you leave the dealership. Most insurance companies are available 24/7 so it is possible to do.In your case, you should not have a problem. Since you are adding the car to your father's insurance, and he has an existing policy, there is anywhere from 5-15 days of automatic coverage on the car to give time to add it to the policy. Presuming your dad has collision coverage on one of his cars, then your car will be covered, less the deductible that your dad has.You may have to put your dad on the title with you, since the policy is in his name. Talk to the insurance company to see how they will do it. If you need to add your dad, do it, so you will be covered.The taillight issue should be discussed with the dealer. they should not sell a car with tail lights out."|"Hey, I just bought a used car today. I'm 18 and this was my first car purchase so we had a lot of hoops to jump through. After hours of going back and forth with the bank, we finally got a loan agreement worked out. By that time, it was almost 5 so the bank said just to come in tomorrow, sign the papers, and take the check to the dealer. Same kind of deal with my insurace, I'm getting added to my fathers pollicy but we had to put it on hold until tomorrow. So basically the car dealership gave me the car and told me to just go to the bank tomorrow, and then bring them the check and proof of insurance. Well about an hour ago, I slid into a guardrail driving home causing a decent amount of damage to the front end. Definitely no damage to the motors and it's highly unlikely that the frame bent at all. I got pulled over for my tail lights being out as well, so that too (great night, right?). What are my options? I live in Pennsylvania. Again, I've never been insured, I was on dealer tags, and I never even signed a loan document from the bank. However, I did sign a buyer's agreement. What are my options?"|"2014-04-29 14:15:52"|"17315"|"Bigmount"|"PA"|"https://insurance.freeadvice.com/insurance-questions/what-are-my-options-2345.htm" "2014-04-25 14:54:17"|"auto-insurance-qa"|"If I got a citation for "fail to maintain financial responsibility" but by the time I go to court I have new insurance, what are my fines & penalties?"|"this is not an insurance question"|""|"2014-04-27 08:57:39"|"77377"|"Tomball"|"TX"|"https://insurance.freeadvice.com/insurance-questions/if-i-got-a-citation-for-f-2342.htm" "2014-04-23 08:38:51"|"auto-insurance-qa"|"I was rear ended and the driver who hit me doesn't have insurance and I don't have uninsured motorist coverage, will my accident be covered?"|"If your auto insurance policy does not have uninsured motorist property damage, then you would have to turn to your collision coverage under your policy, presuming you have that.If you do, file a claim with your insurance company and give them the details. They will pay for your repairs less your deductible. They will then contact the other driver and try to collect from him personally for the damages. They may not be successful, but if they are you will get your deductible back.If you do not have collision insurance, you will need to try to collect from the other driver. You may be able to set up a payment plan with him to pay for your repairs. You can also file a property damage suit against him in small claims court. You will probably get a judgment against him, but if he has no money, it won't mean much."|""|"2014-04-27 09:03:14"|"17603"|"Lancaster"|"PA"|"https://insurance.freeadvice.com/insurance-questions/i-was-rear-ended-and-the--2338.htm" "2014-04-22 18:29:35"|"auto-insurance-qa"|"My car was burglarized and i have a deductible question"|"Auto insurance covers damage to the car due to vandalism or burglary if you are carrying comprehensive insurance. The deductible will apply to the damage to the car and the insurance company will reimburse you for the additional damage. You can choose where to get the car repaired, but the insurance company will offer suggestions, if you ask.If there was property taken from the car that is not part of the car, then you must file a separate claim for that damage or theft through your homeowner or renters insurance. That policy too has a deductible, and you will have to pay that before the insurance will respond. Make sure that the amount you will collect is worth filing a claim under the homeowner insurance, since a claim can cause your homeowner rates to go up. The claim on the auto will not affect your rates. "|"My car was burglarized and in the process he caused several hundred dollars in damage, am I responsible for the deductible if the damage exceeds the deductible amount? I have haven't ever made a claim and neither have my parents in the almost 10 years we have had progressive."|"2014-04-29 14:21:02"|"73026"|"Norman"|"OK"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-burglarized-an-2336.htm" "2014-04-01 14:39:19"|"auto-insurance-qa"|"Claim payout"|"If you are involved in an auto accident where you were struck by the other party, then the other insurance company will make a settlement with you for the damages.Usually the insurance company will make the check payable to you and the repair facility you choose, or directly to the repair facility. However, if they make the check payable to you, you can use the money as you see fit.If you do not repair your car, then you will have an issue if you have another accident. If you carry collision coverage on your car, and the accident is your fault, your insurance company may deny coverage. If you are carrying collision coverage and do not repair your car from this accident, it is recommended that you drop collision coverage. Save the money since future claims will be denied.If someone else causes damage to your car in a future accident, the insurance company will either deny coverage for damages to your car or will greatly reduce any settlement since previous damage was not repaired.You need to decide if you are willing to take a chance on no settlement for future damage. All of the above issues are presuming there is no loan on your car."|"Can you take the claim payout and not repair your car if you were hit by a drunk driver damage was done but you would rather have the money?"|"2014-04-02 09:31:50"|"93436"|"Lompoc"|"CA"|"https://insurance.freeadvice.com/insurance-questions/claim-payout-2320.htm" "2014-03-26 12:54:52"|"auto-insurance-qa"|"If I'm driving the correct way down a one way street and somone comes the wrong way and hits me is it my fault? "|"If you are driving the correct direction on a one way street and have an accident with someone going the wrong way, then the accident would most definitely NOT be your fault.The driver going the wrong direction would be responsible for any damages or injuries caused by their inattention, or attempt to save time by going the wrong direction. Their insurance company will handle any such claim should it occur. They would pay for the full cost of repairs to your car, up to its actual cash value as well as any medical expenses you may incur from the accident.It is unlikely that you would be involved in such an accident since you seem to be very aware of the potential problem with wrong way drivers so you are most likely going to be more careful while entering the street and leaving it. However, inattention by the other drivers could still put you at risk of such an accident."|"At my job they recently made a two way street into a one way. There are two no turn signs three do not enter signs and permanent baracade and one way sings. All day long I watch people drive around the baracade in on coming traffic. I'm nervous since I'm coming out if the one way 6-10 times a day that eventually someone's going to hit me and it somehow it'll be my fault. Thanks in advance! "|"2014-04-01 09:29:02"|"11793"|"Briar Park"|"NY"|"https://insurance.freeadvice.com/insurance-questions/if-i-m-driving-the-correc-2313.htm" "2014-03-25 21:18:30"|"auto-insurance-qa"|"i have full coverage insurance if i let my son in law borrow the car to get to work and he wrecks it am i covered"|"Most insurance companies will provide insurance for a permissive user of a car on an occasional basis. If your son in law does not live with you, and only occasionally uses the car, then your insurance policy will protect you in the event of an accident. In auto insurance the insurance follows the car, so your insurance would be primary in the event of an accident. If there is damage to another car, then your liability will protect you for damages or injuries caused in the accident. If there is damage to your car, then the collision coverage will apply, less your deductible. The rates would not be affected since the son in law is not listed on your policy. However, his rates could go up on his own insurance if he causes an accident.Check with your insurance agent or company to confirm that non listed drivers are covered under your policy. There are some companies that only cover listed drivers. This is rare and usually only applies to specialty, or high risk policies, but make sure."|""|"2014-04-08 09:19:37"|"47025"|"Greendale"|"IN"|"https://insurance.freeadvice.com/insurance-questions/i-have-full-coverage-insu-2311.htm" "2014-03-06 08:33:32"|"auto-insurance-qa"|"How long does your insurance co, stay involved in a car accident?"|"If you were involved in an auto accident and it was not your fault, the insurance company for the other driver would be responsible to take care of the damages to your car, as well as your injuries.If your car has been repaired by the other insurance company, then that portion should be closed and settled. If your insurance company paid the repairs with a plan to subrogate against the other insurance company, then they would need to settle that with that insurance company.If you believe the claim is being pursued by the other party, you should contact your insurance company. If the other driver is attempting to get settlement from you they or their insurance company will need to contact your insurance company and/or serve papers to you. If they do so, contact your insurance company and they will advise what to do.Your insurance company will remain involved if there is new action, even if they had already closed the claim. They will reopen it if necessary."|" Hello... I had a car accident in 2008. The sheriff's dept said that I was not at fault. The other person received a citation for failure to yield. I received nothing. I had a concussion and came back 6 months later and gave the deputy my side of the accident. Everything had already went through the insurance co. I went under some kind of investigation, we think it may be a private party involved. We don't know if a lawsuit was started, relating to the car accident. Would my ins, co., have to still be involved yet ? "|"2014-03-08 16:58:05"|"53080"|"Saukville"|"WI"|"https://insurance.freeadvice.com/insurance-questions/how-long-does-your-insura-2295.htm" "2014-02-27 17:47:06"|"auto-insurance-qa"|"i just got a traffic ticket for 22450a "failure to stop at stop sign limit line". my driving record was clean. will this increase my insurance cost?"|"If you receive a moving violation ticket, your rates can be affected by the ticket.In California you have the option to go to traffic school to remove the ticket from your record. You can attend a class in person, or in many areas you can do the class online. While it is an additional cost to take the course, you should seriously consider this, since it will keep your rates as they are. Also, if you were to receive another ticket within 18 months, the only charge will be for the one ticket. With a second ticket, your rates can go up dramatically as you would lose your "good driver discount" with the second ticket.Call the local DMV to be sure you are eligible to take the course and find out what options you have for the course. You will also have to pay the fine for the ticket as well as the cost of the course."|""|"2014-03-03 11:13:57"|"91401"|"Sherman Oaks"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-just-got-a-traffic-tick-2293.htm" "2014-02-24 11:22:15"|"auto-insurance-qa"|"who is at fault in an accident between a car exiting an alley and a car coming down a street"|"The determination of fault in an auto accident is based on several facts. If a car is exiting from an alley, and entering onto a street, the car in the alley is generally considered a vehicle coming to a "t intersection". In that case, the car entering from the alley is expected to yield to the car on the street.Other factors can be a part of the determination. If the car on the street is speeding, that can be considered as partial fault. However, they still have the right of way and the alley car is expected to enter only if safe to do so. If a police report is taken, the officer might attempt to determine fault. However, if they did not see the accident, this would only be an opinion, and not a fact. You should let your insurance company investigate the accident and they will contact the other insurance company. A determination of fault will be made. If the insurance companies cannot come to an agreement, then arbitration may be used. Your insurance company will take your statement and compare it with the other party's statement."|""|"2014-02-25 11:25:06"|"60304"|"Oak Park"|"IL"|"https://insurance.freeadvice.com/insurance-questions/who-is-at-fault-in-an-acc-2289.htm" "2014-02-23 21:49:38"|"auto-insurance-qa"|"Car Accident, getting sued, but plaintiff is totally over exaggerating!"|"If you are involved in an auto accident that is your fault, you should let your insurance company handle the claim. Anytime a person claims bodily injury, you should not attempt to settle the claim on your own. Even if you work out a settlement with them, they have one to three years to come back for more money as a settlement. If you attempt to settle and they come back, and then turn to your insurance company, the company can deny the coverage since you have jeopardized their standing in the case.The fact that the other driver had no driver's license does not change the fact that you caused the accident. Lack of a license is something the police may get involved in, but it does not void the claim of the other driver. The police report, if any, will help your insurance company determine the extent of damages and injuries.If your car was damaged, and you have collision coverage, your insurance company will pay for your repairs, less your deductible. Since the claim involves possible bodily injury, your rates will be affected, but the cost of your repairs will not make any difference as to the rates, so go ahead and get your car fixed too."|"So I was in a car accident, I was at fault. I checked at a stop sign and thought it was clear. But the other driver didn't have a license! He's now suing me, but he just wants the money. He's claiming he needed a chiropractor and he had all these injuries and it wasn't too serious. Everyone in my car was perfectly fine. Then he sues me for car injuries, he said he couldn't open his door, when at the accident he could use the door and get out. We were going about 20 mph and it wasn't serious. If it was a large collision I'd understand but the amount of injuries he put was ridiculous."|"2014-02-25 11:31:34"|"84123"|"Murray"|"UT"|"https://insurance.freeadvice.com/insurance-questions/car-accident-getting-sued-2286.htm" "2014-02-22 03:52:00"|"auto-insurance-qa"|"Just got hit by a car while driving a car I just bought. the insurance company of the guy who hit me wont pay up fully."|"In car insurance, the insurance company who is responsible for damages to a car will pay for the repairs, or if the car is considered a total loss, they will pay the actual cash value of the car and will take the car.In your case, you should not have released the car to the other insurance company if you were not satisfied with the settlement offer from them. Since you have already released the car and the lender has been paid, you don't have much recourse with the other insurance company. If you did not sign a release for the insurance offer from the insurance company then you should go back to the insurance company and try to get additional money from them. It is up to you to prove the actual cash value of the car, but they need to show where they came up with the amount that they paid.If this does not work, and the car is still in possession of the insurance company you can try to buy the salvage of the car and have it repaired so you can keep using it."|"I Just recently bought a car for $18,000. A few weeks after getting the car I was in a car accident. The other driver was at fault. The police report even reflected that. I still owe $12,000 on the car. The insurance company of the other driver paid $7,000 to the lender that lent me the money to buy the car. And took the car I bought too. the car was not destroyed. Just a good dent in the drivers door and drivers side door window was broken. Door still opened and car ran fine. Now I don't have a car and still owe $5,000 to the lender for the car. What should I do?"|"2014-02-22 12:58:46"|"89106"|"Las Vegas"|"NV"|"https://insurance.freeadvice.com/insurance-questions/just-got-hit-by-a-car-whi-2285.htm" "2014-02-19 09:10:29"|"auto-insurance-qa"|"EXTENDED AUTO WARRANTY"|"extended warranty is not auto insurance - "|"MY VEHICLE BROKE DOWN LATE DECEMBER. IT WAS TOWED JAN 2, 2014 TO HERB CHAMBERS WARWICK RI. THE PENN WARRANTY CORP RECIEVED A BILL FOR ABOUT $5000. FOR THE REPAIR OF MY VEHICLE. THIS HAS TAKEN ABOUT SIX WEEKS. THEY WILL PAY ONLY $666.00 OF THIS BILL WHAT SHOULD I DO ?"|"2014-02-22 12:59:45"|"02896"|"North Smithfield"|"RI"|"https://insurance.freeadvice.com/insurance-questions/extended-auto-warranty-2280.htm" "2014-02-07 14:27:45"|"auto-insurance-qa"|"My son drove my vehicle#1 uninsured to work in an emergency, but has a sr22 bond I was under the belief that I was legal? accident not are fault, "|"In auto insurance the insurance follows the car. That would mean that your car is the one responsible for an accident, regardless of who is driving. While your son is "legal" to drive it does not offset the fact that there was no insurance on your car. If the other party was at fault, then their insurance is responsible for the damages to your car, and if there were any injuries, they are responsible for those. However, if the other insurance company denies coverage, then you are on your own to fix your car.The police can still ticket you for failure to have insurance on the car that was being used. This could result in a need to provide proof of insurance going forward, such as an SR22 since there was no insurance on the car. You will have to see what the police decide in this case"|"I was not driving vehicle#1 of more than 6 months, because the clutch was out, but did have insurance on my other vehicle#2 that I drove. I got plates for vehicle#1 and insurance but dropped it because it was running poorly. when an emergency came up and my son's car was needed repair. I let him drive to work because of his bond."|"2014-02-09 15:51:22"|"45405"|"Dayton"|"OH"|"https://insurance.freeadvice.com/insurance-questions/my-son-drove-my-vehicle-1-2268.htm" "2014-02-05 09:42:25"|"auto-insurance-qa"|"Is the service station liable for damage to my truck."|"If there was a weather issue where it was obvious that there was ice in the area, there is little liability exposure for the gas station.You had driven in the area, aware of the weather, which included ice & snow. It is not a reasonable expectation that the gas station would be able to control the weather and its results in having ice and snow in the vicinity. You should have taken more care in driving in the area and on the gas station platform, knowing the weather conditions. It is unlikely that the gas station would have access to signs to warn drivers of obvious weather conditions.Of course, you can file a claim with the insurance company for the gas station, but if they deny coverage, you would have to prove negligence on the gas station to get damage to your truck covered. Without their negligence, there is no insurance coverage."|"I pulled into service station and slid into the barrier doing damage to the front of my truck. The company had no sand salt or signs available. I only have liability insurance."|"2014-02-12 21:12:59"|"30034"|"Decatur"|"GA"|"https://insurance.freeadvice.com/insurance-questions/is-the-service-station-li-2266.htm" "2014-02-01 21:47:37"|"auto-insurance-qa"|"Questions about the ticket, claim that influence the policy fee?"|"If you are illegally parked, such as in a bike lane, you are responsible for injuries or damages caused by the illegal parking.While the police may issue a citation, you do have the opportunity and right to fight the ticket. However, it may be less expensive for you to go to traffic school for the ticket. If you lose in court you could end up paying more for the ticket and it would still show on your driving record.Even though the bike rider was distracted, she had the right to presume her route would not be impeded by a car parked in the lane. She would most likely win this part of the claim.You may be better off to just let your insurance company handle the claim and you go to traffic school for the ticket."|"Recently I stopped my car for 1 second in a bike line to pick my friend, a girl riding a bike with speed at least 25mph hit my car and got hurt(she was riding blindly and listening to music in that high speed), she claimed my insurance 2 days later. When police came they told me it's nothing big deal compared to failing to stop at red light or stop sign, but they still need to give me a ticket, but I could take defensive driving school to erase the ticket they gave me for parking at bike lane. The problem I have is that since my insurance has been claimed, which means that they had already k"|"2014-02-13 21:35:08"|"85281"|"Tempe"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/questions-about-the-ticke-2264.htm" "2014-01-31 08:59:45"|"auto-insurance-qa"|"Who is liable for damages & rental car while mine is in shop."|"When you are struck from behind, you are right to presume the driver of the car behind you is at fault.If you have collision coverage, you should let your insurance company handle the claim for damages to your car. Your deductible will apply from the beginning but if your insurance company can collect for the damages, your deductible will be reimbursed.If you can prove no damage to the other party's car in the rear, that will defend your case with his insurance company and you can reapply for damages to your car. However, the insurance company can still deny coverage since the police report shows a third party who apparently left the scene.No matter how the claim settles out, you should not have a rate increase since you were rear ended and had no responsibility for the damages to your car. Make sure your insurance company agrees and settles this as a not at fault accident."|"My car was hit from behind while I was stopped at a red light by someone who claims he was also stopped & that he was hit from behind as well. He claims the other car hit & ran. No one else saw this Phantom vehicle. The rear of my car has $3000 damage & the front of his has about the same. Actually his car was deemed undriveable. However, he has no damage to the rear of his car. Seems impossible. Because he claimed hit & run the arriving Police officer says he has to write up accident report as a hit & run. Now his insurance is denying liability simply because repart said hit & run. "|"2014-02-13 21:40:39"|"28217"|"Charlotte"|"NC"|"https://insurance.freeadvice.com/insurance-questions/who-is-liable-for-damages-2263.htm" "2014-01-28 19:24:40"|"auto-insurance-qa"|"Can insurance carrier cancel my insurance because my 20 yr old daughter lives with me and had an accident in November while under the influence?"|"If your daughter is living at your home and using your vehicle, then your insurance company can decide to non renew your insurance due to this change in exposure.However, if your daughter has her own car and insurance, then your insurance company should be willing to continue your insurance provided that you sign an exclusion for your daughter. This would provide no insurance on your car if it is used by your daughter for any reason. If you are ok with this, contact your insurance agent and ask if you can have your daughter excluded from your policy. They should be willing to do this, since she has her own insurance. It should not matter that she is living at your residence.If they refuse to do this, ask for a supervisor as most insurance companies are willing to exclude drivers as long as they are not on the registration of the vehicle in question."|"She was just moving back to my house from college the night of the accident. She was driving her own car. Just now, my agent tells me they are cancelling my insurance because she claims my address as her home address."|"2014-02-15 15:53:03"|"56031"|"Fairmont"|"MN"|"https://insurance.freeadvice.com/insurance-questions/can-insurance-carrier-can-2260.htm" "2014-01-27 13:21:19"|"auto-insurance-qa"|"Auto Insurance Company failed inform proper authorities of my SR 22 and thus my license was suspended. Can insurer write to Court 2 resolve case?"|"If your license was suspended due to an incident that requires an SR22 be filed by your insurance company, then the insurance company needs to follow up with the DMV about the filing.If you actually had liability insurance at the time required by the DMV, then your insurance company can probably work with the DMV to back date the SR22 as required and then your license will be reinstated back to the date in question.Talk to the insurance company, or your agent, and have them contact DMV to see what they need. This should be a pretty simple correction since the insurance company acknowledges that they had the necessary funds and paperwork from you and they simply failed to file it with DMV.Once the insurance company and DMV work this out, the fine should be dismissed and your license will be reinstated. You should make sure the insurance company follows through with everything and ask for copies for your records."|"I did not know my license was suspended until the officer told me. Contacted auto insurance company and they had failed to complete the paper work though I had paid and done necessary paper work on my end well before the officer stopped me. Insurance company acknowledged their error and said they apologized. Now I get paper in mail saying license was suspended and I owe $275+ court costs. Shouldn't the insurance company pay this fine? "|"2014-01-27 14:56:57"|"44128"|"Bedford Heights"|"OH"|"https://insurance.freeadvice.com/insurance-questions/auto-insurance-company-fa-2259.htm" "2014-01-19 14:06:44"|"auto-insurance-qa"|"Am I the legal owner of the car if I don't have the title in my name or registration "|"no"|""|"2014-02-15 15:59:24"|"30311"|"Atlanta"|"GA"|"https://insurance.freeadvice.com/insurance-questions/am-i-the-legal-owner-of-t-2249.htm" "2014-01-15 12:35:21"|"auto-insurance-qa"|"Someone totaled my parked car while having a seizure"|"If someone is using a rental car, and does not reveal medical issues that could affect their driving, the rental car company may deny coverage for damages caused. If the driver has insurance on an owned vehicle, you can file a claim against him through that insurance. Insurance follows the car, but if the coverage is denied, or not available, you may be able to collect from the driver's policy.If these do not move forward smoothly, you can file a claim through your insurance company. They will pay the actual cash value of your car, less your deductible. They will then try to collect from the other parties through subrogation. If they are successful, your deductible will be reimbursed.The only payment you will receive from any insurance company is the actual cash value of your car. While you can negotiate the value with whatever insurance company is involved, it may not be a figure you feel is sufficient."|"Hello,A man hit my parked car while he was having a seizure. He totaled it. He also was driving a rental car at the time, the rental car insurance company is trying not to pay even though he is a documented epileptic, they are claiming that he did not reveal this to them so they are not liable, is this true???? I mean he totaled a parked car! Someone else other than myself should have to pay."|"2014-02-06 17:54:07"|"20906"|"Aspen Hill"|"MD"|"https://insurance.freeadvice.com/insurance-questions/someone-totaled-my-parked-2243.htm" "2014-01-13 09:06:29"|"auto-insurance-qa"|"If I am on a PLPD auto insurance policy does that still give me insurance on driving other vehicles. "|"In auto insurance, the insurance follows the car. If you are using another person's car, then their insurance is the primary insurer in case of an accident.If that person does not have insurance, then your insurance will respond if you cause an accident. It will not pay for repairs to the car you are driving, but it will protect you if another person is injured or their car is damaged. It will pay up to your limits. If the accident damage and injuries are over your limit, then the other party could sue the owner of the car that you were driving, since they were responsible to have the car insured.It is never a good idea to drive a car that you know does not have liability insurance on it. If you don't know, then ask and have them show you where the proof of insurance is."|"Was recently in auto accident and found out that insurance policy for that vehicle was invalid. But am on other vehicle that has plpd. Is that proof of having insurance to drive another vehicle even if that vehicle is uninsured."|"2014-02-06 17:48:19"|"46975"|"Rochester"|"IN"|"https://insurance.freeadvice.com/insurance-questions/if-i-am-on-a-plpd-auto-in-2241.htm" "2014-01-12 11:22:09"|"auto-insurance-qa"|"Head on car crash, no insurance. Wasn't my fault."|"While you should not be driving without insurance, if the accident was not your fault, then the other driver's insurance should pay for the repairs to your car, or its actual cash value if it is a total loss, and they should pay for your injuries.Contact the other insurance company and start the claims process. They will investigate the accident and should accept at least partial responsibility for the accident. They may feel that you were partially at fault since the other car was stopped, albeit, facing the wrong direction. If there were witnesses, or a police report was taken, that could support your claim.You could receive a citation for failure to have insurance on your car. However, this was not the cause of the accident, so do not let the other insurance company try to deny responsibility because you had no insurance. If you do not get cooperation from the adjuster, ask to speak to a supervisor to help settle the claim."|"Hi, first of all thanks for your time. I live in Wisconsin. I'm 20. I own a 2003 Dodge Neon. Yesterday I got into an accident on the highway because a lady hit the median due to icy roads which forced her car to face the wrong way on the road. Unfortunately I couldn't stop and hit her head on. After the accident I took pictures of my car and a short video. I wasn't feeling hurt at the beginning but now I'm feeling hurt. I have no insurance at all. My car got towed and its totaled by the looks of it. The person who I hit does have insurance..I'm very worried for myself. Please help! thanks!!!"|"2014-01-14 11:16:43"|"53715"|"Madison"|"WI"|"https://insurance.freeadvice.com/insurance-questions/head-on-car-crash-no-insu-2238.htm" "2014-01-11 11:16:39"|"auto-insurance-qa"|"I was found liable for a recent auto accident and the police report has a different license plate # than the car that hit me, HELP!"|"If you were at fault in an auto accident, your insurance company will handle the settlement with the other party. You do not have to obtain the police report, as your insurance company will obtain it and then contact the other party.If there is incorrect information on the report, and it was not intentional or through any fault of your own, you do not need to worry. Again, your insurance company will work on this and they can contact the police department if they have any problem obtaining the information on the other driver. The police will cooperate with the insurance company but many times they will not, or cannot, give you information on the other party.Just let your insurance company handle this and if they need any additional information from you they can contact you. If there is damage to your car, and you had collision insurance, your company will settle that part with you."|"I was involved in an accident which I was found liable for through my insurance company, however, the license plate # listed on the police report for the car that hit me is incorrect, Police did not come to the scene because no one was injured and we were told to go to the station to file the report. The other party had not arrived after waiting for 2 hours so the office told me I could come pick up the report later that night. When I picked it up later that evening I told the officer that the lisence # was incorrect but I had left the paper I wrote it on at home. Officer was unconcerned."|"2014-01-11 12:09:35"|"60647"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/i-was-found-liable-for-a--2237.htm" "2014-01-09 12:43:59"|"auto-insurance-qa"|"Auto Insurance "|"If there is an auto accident where there is no damage to either car and the other party did not stop to exchange information for a police or accident report, there is no need to pursue this with the insurance company for your friend. There is nothing the insurance will do for the friend, since there is no damage, and since the other party is not identified, they cannot contact them to see if any damage occurred.The friend can keep the license number for their records, in case something comes up from the other party later on, but it seems unlikely that they would be able to identify your friend since they left the scene.Leaving the scene of an accident is a crime, but since there was no damage and no injuries there is nothing to worry about. However, your friend can advise his agent of the incident and just have them make a record of it, but not report it to the company."|"While driving a friend rear ended another car, no damage to their car and the other car would not pull over to exchange insurance info. They tried putting their blinkers to pull to the shoulder and the other vehicle just kept going. They got their license plate but have no damage and the other driver never stopped. Should this be reported? "|"2014-01-11 12:14:29"|"91364"|"Woodland Hills"|"CA"|"https://insurance.freeadvice.com/insurance-questions/auto-insurance-2233.htm" "2014-01-08 13:10:59"|"auto-insurance-qa"|"What all am I eligible for in an insurance claim since my claim was originally denied by the at fault party?"|"talk to a lawyer"|"I was involved in an auto accident in June and at the time Progressive (party who hit me) insurance company denied the claim saying he wasn't insured. 6 months later it turns out that he was insured. I have read some unfair claims law and am unsure of what all I am eligible for this. I have been out money this whole time and still have not recovered it all. I am really just trying to find out what all am I eligible for outside of recover the cost of repairs and a diminished value claim? Do they owe me interest on the money I was out during this time or anything else like wrongful denial?"|"2014-01-14 11:17:24"|"43560"|"Sylvania"|"OH"|"https://insurance.freeadvice.com/insurance-questions/what-all-am-i-eligible-fo-2231.htm" "2014-01-07 14:55:21"|"auto-insurance-qa"|"if my 16 year old is covered on my ex wives auto policy do i also have to insure her"|"If your daughter is living with your ex wife and is insured under her insurance policy, you do not have to add her to your insurance policy.She will be covered if she uses your car and causes an accident. It will be your insurance coverage that would be responsible in that event, since insurance follows the car. However, your rates will not be affected in that situation. Any rate adjustment will go to your ex-wife's policy since that is where the daughter is insured.If your insurance company asks about your daughter explain she does not live with you and she has other insurance. They may ask for evidence of the other insurance. Provide that to them, or they will insist that she be added to your policy. If they still want to add her to your policy, ask your agent for assistance or speak to a supervisor. They cannot require duplicate insurance coverage for a driver."|"my 16 year old lives with my ex wive she will sometimes drive my car but why should i put her on my insurance if she is on her mothers"|"2014-01-14 11:22:37"|"34251"|"Myakka City"|"FL"|"https://insurance.freeadvice.com/insurance-questions/if-my-16-year-old-is-cove-2229.htm" "2014-01-06 01:58:31"|"auto-insurance-qa"|"what happens to employer's automobile group liability policy's claim process, if I quit the company? will the claim process continue?"|"If you are an employee of a company that is involved in an auto accident, the liability is provided by your employers insurance policy. You were the driver, but the insurance is with the owner of the vehicle.If you leave the company, it will have no effect on the settlement process. You may be contacted after you have left the company if the insurance company needs a statement or more information from you, but otherwise no effect.The accident will most likely go on your driving record and your personal insurance rates can be affected by the claim, depending upon the settlement amount. Any future employer will see the accident and their insurance company will have final say as to whether or not you will be covered by their policy. If your record is otherwise clear, you should not have any problem with a new employer."|"We met with an accident some time back and liability claim process is currently happening (in progress) through my employer's automobile group liability insurance policy. What happens to the claim process if I quit the company? Will it still be processed and accident liability is covered under that policy?"|"2014-01-07 14:47:12"|"80139"|"NULL"|"NULL"|"https://insurance.freeadvice.com/insurance-questions/what-happens-to-employer--2227.htm" "2013-12-31 11:09:16"|"auto-insurance-qa"|"Automobile Accident"|"what is the question?"|"My children (16 &13) were involved in a accident while riding with someone. The car flipped; no concusions. One child had a sprained ankle and knee; the otherchild had pain in the joints for a couple days. The insurance company offered $600.00 plus medical expenses."|"2014-01-02 12:08:07"|"28405"|"New Hanover County Airport"|"NC"|"https://insurance.freeadvice.com/insurance-questions/automobile-accident-2223.htm" "2013-12-17 20:53:52"|"auto-insurance-qa"|"My friend borrowed my truck to move his stuff from his apartment. He ran into wall. whose insurance co is responsible. we both insured same ins co."|"In auto insurance, the insurance follows the car. Even though your friend was driving your truck, your insurance will handle the claim for the damage to the wall as well as to your truck.If you have collision insurance on the truck, then your insurance company will pay for the damages, less your deductible. If you don't have collision coverage, there is no coverage for the damages. However, if there was damage to the wall, your insurance will pay for this damage in full.Go ahead and file the claim if you have the collision insurance. This will not affect your rates since your friend is not listed as a driver on your insurance policy. However, if the damages exceed a certain limit, usually around $750, your friend's insurance could go up for an at fault accident, if the insurance company finds out about the accident."|""|"2013-12-21 11:29:42"|"32204"|"Jacksonville"|"FL"|"https://insurance.freeadvice.com/insurance-questions/my-friend-borrowed-my-tru-2218.htm" "2013-12-12 20:34:01"|"auto-insurance-qa"|"How aleatory contract fulfilled my requirements when i applied for auto insurance policy?"|"I don't understand the term you used. What do you mean?"|""|"2013-12-14 16:41:05"|"18701"|"Wilkes Barre"|"PA"|"https://insurance.freeadvice.com/insurance-questions/how-aleatory-contract-ful-2214.htm" "2013-12-12 14:15:28"|"auto-insurance-qa"|"My husband and I are separated but not legally. My current insurance will not exclude him because we are still legally married. what are my options?"|"If you and your husband are separated, it is presumed you do not live together. If you have possession of the car, then you can simply not allow him to use the car. That way there is no issue of his driving.If he is on the title, then the insurance needs to stay in both names until you legally divorce or separate. That is probably why your insurance company will not exclude him, since he is on title. If he is willing, you can remove his name from the title. That would help you obtain a policy on your own.You should also check your insurance policy. Some policies cover husband and wife, as long as they are both in the same household. If he is not in the household, then he may not be covered.If none of these options work, you need to step up your actions of divorce or separation."|""|"2013-12-14 16:46:58"|"29607"|"Batesville"|"SC"|"https://insurance.freeadvice.com/insurance-questions/my-husband-and-i-are-sepa-2211.htm" "2013-12-09 20:24:10"|"auto-insurance-qa"|"I am wondering what to expect as far as pain and suffereing!!"|"this is not an insurance question talk to a lawyer"|"I was involved in a car accident on 9/13/2013. An older woman pulled out into oncoming traffic and we t-boned her totaling our van. She was 100% at fault. They paid for a vehicle, a rental car, and reimbursed us for our carseats that were in the van. I was 9 months pregnant and went to the ER and spent the night in the hospital. My hospital expenses were $10373.04 and $97 for three chiropractic cares. I am in MN and the insurance company is State Farm.I seen pretty much everywhere that they pay out 150% to 500% depending on the severity. I am wondering if its ever less or what % i will get"|"2013-12-12 12:13:44"|"55976"|"High Forest"|"MN"|"https://insurance.freeadvice.com/insurance-questions/i-am-wondering-what-to-ex-2208.htm" "2013-12-07 22:40:58"|"auto-insurance-qa"|"if my car slide on icy road and hit another car , is damage to my car excluded from collision/comprehensive coverage because of "freezing" exclusion."|"Auto insurance policies can vary among insurance companies. However, most do not include a "freezing" exclusion. If you are being told there is no coverage due to such an exclusion, you should ask the insurance company for a copy of the portion of the policy showing this exclusion.Since you collided with something, the loss is collision and does not apply to comprehensive coverage.If you have collision insurance on your car, then the damage to the car is covered less your deductible. If you struck another car and caused damage to them, then your liability coverage will pay for their damages, and if there were injuries, it will pay for that too. There is no deductible for these injuries and/or damages.Your insurance rates may increase due to the accident, but since it was caused by ice, or freezing, the insurance company may not charge you for the accident. You should ask your agent or company if that is the case in your event."|""|"2013-12-12 12:19:31"|"79603"|"Abilene"|"TX"|"https://insurance.freeadvice.com/insurance-questions/if-my-car-slide-on-icy-ro-2207.htm" "2013-12-04 09:57:55"|"auto-insurance-qa"|"I was in an auto accident, how will this effect me?"|"If you cause an auto accident and are not insured, you could face a fine and/or ticket for driving without insurance. When you go to find auto insurance, the accident will show on your driving record along with any ticket you may have received for the accident. The insurance company will charge you for the accident, but should not charge for the ticket too, since they occurred at the same time.Since you settled the claim with the other party, you should not have any specific problems getting insurance, as long as you can prove there is no outstanding settlement due. If there are, then some insurance companies will refuse to write your insurance. However, there are companies that specialize with drivers with such problems. You may pay more for a while for your insurance, but once the accident is over three years old, then you should be considered a good driver and can obtain insurance most anywhere."|"I was in an auto accident, in which i was not insured. The accident was my fault, I swerved to miss a vehicle that had pulled in my lane - and struck a car on the side of the road. the other party filed a claim against my insurance, which my insurance denied. i settled this out of court with the other party - how will this affect me getting insurance in the future or will it?"|"2013-12-12 12:49:35"|"42727"|"NULL"|"NULL"|"https://insurance.freeadvice.com/insurance-questions/i-was-in-an-auto-accident-2202.htm" "2013-11-25 13:20:49"|"auto-insurance-qa"|"A girl was driving a friends car and hit me -went airborne- and came down on top of me. I was in Critical care and then the regular hospital. "|"When there is an auto accident with injuries and damages, the policy limits of the responsible driver are the most the insurance company for the driver can and will pay out. It is unfortunate when the injuries and damages exceed the policy limits, but that is as far as the insurance company can legally go.You should check your insurance policy. If you carry medical payments coverage then those limits can be used to supplement what the other insurance company paid. Also, if you have uninsured/underinsured motorist coverage, then this too will pay towards your injuries. If you had collision coverage on your car you may be able to collect some money for the car.As a last resort you can take the other driver to court for the remaining money that you spent for your medical bills. They may not have any money to collect, but if you get a judgment against them then that can remain open indefinitely and you could collect if they come into some money or you can make them make payments over time. "|"My medical bills were $150,000. My car was totaled, I missed my daughter's wedding, lost my job and continue to suffer and am still in therapy. This accident occurred on 9/12/13. I am being told that the insurance on the car (the man's insurance that she borrowed the car from) is $25,000 maximum and that is all I can recover. Does this sound right to you?"|"2013-11-25 16:41:06"|"30236"|"Jonesboro"|"GA"|"https://insurance.freeadvice.com/insurance-questions/a-girl-was-driving-a-frie-2197.htm" "2013-11-24 17:21:10"|"auto-insurance-qa"|"Insurance company won't pay for labor"|"If your car was damaged due to a hit and run incident, you should let the insurance company handle the repairs to your car. You can choose the place to have the repairs done, but by doing the labor yourself, you are accepting the responsibility that the repairs are done correctly and you accepted the cost of the labor. Since you did not spend any money for the labor, there is nothing to reimburse to you by the insurance company. You can try to get some additional money by explaining that you had to fix the truck and since you did not know who had hit the truck, you were trying to save money. However, the cost of the parts, and the amount of time you spent on the repairs seem to be far apart. A repair facility would probably been able to do the work much faster.Many insurance companies guarantee the repairs for the life of the car if you use an approved repair place. By doing it yourself, you have robbed yourself of that guarantee.A hit and run incident is not chargeable, so your rates would not be affected. "|"My car was involved in a hit and run in a parking lot. A truck ran over my bumper pushed the fender in and the headlights were ripped out. I fixed the car myself as there was no reason to get an estimate. 2 months later the police found the truck that hit my car. I filed a claim with their insurance company and gave them 2 repair estimates ($1,400). They said since I fix the car myself I am only entitled to the part I purchased $159 and sent me a check for this amount which I will not cash. I worked on this car 5 days and they will not pay me for my labor, paint & supplies. What can I do?"|"2014-03-05 12:37:15"|"33774"|"Largo"|"FL"|"https://insurance.freeadvice.com/insurance-questions/insurance-company-won-t-p-2196.htm" "2013-11-24 17:09:19"|"auto-insurance-qa"|"My car was involved in a hit and run"|"what is the question"|"My car was involved in a hit and run"|"2013-11-25 16:41:54"|"33774"|"Largo"|"FL"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-involved-in-a--2195.htm" "2013-11-24 10:33:15"|"auto-insurance-qa"|"Can they make it to where I can't drive my fathers vehicles?"|"Insurance companies can, and do, exclude drivers under a policy due to their driving record and age. Usually they will not do this for one accident, unless there are other circumstances. If you do not live at home, then they could decide you don't need to drive the car. Also, if you have your own insurance they may choose to exclude you from the policy. Since you were involved in the accident that totaled the car, it may be that the accident was major enough for the insurance company to make this decision. If you have other accidents or tickets that would also be a factor.If he does not file a claim then the insurance company really shouldn't exclude you if he gets another car. If they are making that decision, he may as well file the claim since it sounds like they intend to exclude you no matter what. You could then get an inexpensive car and buy your own insurance for that car so that you will have transportation of your own and not put your father at risk since any accident in his vehicle goes against his liability."|"I got in an accident and totaled the car. the cars covered under my fathers insurance. He told me that if he files a claim or gets the car replaced they'll make him sign a piece of paper saying I'm not aloud to drive any of his vehicles again. Is that true can they do that? He's covered by state farm of Oklahoma. PLEASE HELP!"|"2013-11-25 16:47:41"|"73122"|"Oklahoma City"|"OK"|"https://insurance.freeadvice.com/insurance-questions/can-they-make-it-to-where-2194.htm" "2013-11-23 08:38:35"|"auto-insurance-qa"|"I have been offered a settlement. Should I take it? "|"this is really not an insurance question. Talk to an attorney"|"I was rear-ended on the highway. I was at a dead stop due to a chair falling out of someone's truck in front of me. The person that hit me was going approximately 80 mph. There car was totaled and caused over $6,000 in damage to mine. I went to the hospital was diagnosed with whiplash & strained muscles in back, shoulder. As well as a sprained wrist. My medical bills came to $1200. I lost about $300 in wages. The insurance company is offering me $500 is this a good settlement?"|"2014-03-05 10:02:59"|"76626"|"Blooming Grove"|"TX"|"https://insurance.freeadvice.com/insurance-questions/i-have-been-offered-a-set-2193.htm" "2013-11-16 12:39:45"|"auto-insurance-qa"|"Daughter had a accident. The other person was at fault. His insurance co is trying to take rental car and her car is not done. Can they do that?"|"If you are in an auto accident and the other insurance company accepts responsibility, they are responsible to pay for your repairs and provide a rental car. However, if the body shop advised repairs would take for days and they are now into 8 days, the insurance company can refuse to pay for the additional time for the repairs. You need to talk to the body shop and see why the delay. If it is for parts that have not been delivered, then they should talk to the insurance company to get you additional days for the repairs. If it is a body shop issue - lack of manpower or similar issues, that is not the problem of the insurance company and they will probably deny the additional time.You should talk to the body shop about paying for the additional time for the rental car if it is their problem for the delays. They did give you a timeframe for the repairs and have not kept their part of the bargain. While none of this is your fault, the insurance company is also blameless for the delays by the body shop."|"After the Adjuster did his paper work they said it should take 4 day to fix the car. We told them what autoshop we picked and them said O.K. They mailed us a check and setup a reantal car. Long story short the car has been in shop for 8 working days (10 total)and they wouldnt pay for reatal any longer. I said i have no control on the autoshop but need a car since mine is not done. They said it didnt matter. Rental car company just called and said we owed a day since car was not returned yesterday. Can they leave us with out a car when done nothing wrong. "|"2013-11-17 13:46:49"|"38375"|"Lawton"|"TN"|"https://insurance.freeadvice.com/insurance-questions/daughter-had-a-accident-t-2190.htm" "2013-11-15 14:16:10"|"auto-insurance-qa"|"A driver backed out of his driveway unsafely, and caused an accident with my car. What is the correct assignment of liability?"|"If you are in the street and the other party backed out and struck you, it is usually considered the car that is backing as the fault of the accident and their insurance company should pay for the repairs.It appears your insurance company has investigated the accident and the damages and determined that you are, in part, responsible for the accident. Even if you are driving in the roadway you are expected to maintain attention to the surrounding areas. If you were not attentive you can be considered to be partially at fault in the accident. Since the other driver claims to have completed his backing and the damages to the cars supports this, you would be considered partially at fault.Since the blame is only 20% this should not be considered an at fault accident and should not affect your rates. However, you may have to pay for a portion of the damages to your car."|"I was driving on a narrow residential street when the other driver quickly backed out of his driveway from a house on the right side. He was turning his car as he was backing out, so that the rear of his car was turning to the right. His car was not yet completely on the road. I saw him at the last possible moment, but it was too late for any evasive action to be taken. The point of impact was the front right of my car and the left rear of his.The other driver is claiming that he was fully on to the road and was in the process of shifting from reverse to drive when the impact occurred.My insurance company wanted to hold me 40% liable. I said that did not seem fair, and they reduced it to 20%. I felt I shouldn't be held to any liability, that the driver backing out of a driveway has to be fully aware and responsible for any other vehicles on the road.My insurance company said that based on the point of impact, they felt the other driver was already entirely on the road, and there is no way I could have hit the left rear of his vehicle unless that was the case. I said that was not true, that he could still be backing up with a portion of his vehicle still on the driveway yet the left rear of his vehicle would be closer to the middle of the road. But the insurance company refused to budge on their stance.I know it is only 20%, but it is still affecting my rates as well as rates that other insurance companies are quoting me. Am I wrong here? Barring any reckless or driving or speeding on my part, shouldn't 100% of the liability be on the driver backing up?"|"2013-11-17 13:51:36"|"11581"|"North Woodmere"|"NY"|"https://insurance.freeadvice.com/insurance-questions/a-driver-backed-out-of-hi-2189.htm" "2013-11-11 12:33:19"|"auto-insurance-qa"|"If someone swerves into your lane and hits you because they are avoiding another car, who is at fault? The insured said the other car left the scene. "|"If another car swerves into your lane, for any reason, and strikes you, then the insurance company for the other party should pay for the damages to your car in full. The other driver still made a dangerous and illegal lane change and you had no responsibility for the accident.If you have full coverage on your car, you might try filing a claim under your policy. Your company will pay for your damages, less the deductible, and then go after the other insurance company for the damages. If they successfully recover the damages your deductible will be reimbursed. Your insurance company will definitely want their money reimbursed so will work to get the money back.If you don't have the coverage, or the deductible is too high, try speaking to a supervisor of the adjuster. They may ask if you saw the other car in question. If not, then their driver could be considered to be at fault for the accident since there would be no confirming statement of the phantom car that caused the chain of events."|"American Family is only willing to pay me 25% of my damage to my car. I got spun around and went into the median. The insured creamed the side of my car and my car did no damage to any car. I'm in Missouri"|"2013-11-14 16:47:37"|"64151"|"Houston Lake"|"MO"|"https://insurance.freeadvice.com/insurance-questions/if-someone-swerves-into-y-2187.htm" "2013-11-09 17:47:03"|"auto-insurance-qa"|"I let my friend drive my car and she crashed into another car. am I covered?"|"In most auto insurance policies there is no limitation of a driver as long as they are licensed and have permission to drive the car. Review your policy and see if there is any restriction for unlisted drivers. If not, report the claim to your insurance company.In an accident, the insurance follows the car, so your insurance company should pay for the damages to the other person's car, and if any injuries, for the injuries.Since you have full coverage, your insurance policy will pay for your damages, less your deductible. If the car is repairable, then the car will be fixed. If it is a total loss then your insurance company will pay you the actual cash value of the car, again less your deductible.Your rates should not be affected since your friend is not listed on your policy as a driver. However, if they have their own insurance, the rates on their policy can go up since they have a chargeable accident on their record."|"I let my friend drive my car and she hit someone in a minor accident. The police gave her a ticket for the accident. I was in the car when it happened. I have full coverage insurance, but dont know if ill be covered. My car looks totaled. The person she hit only has damage on her back end. I don't know what to do."|"2013-11-10 13:32:00"|"77081"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/i-let-my-friend-drive-my--2185.htm" "2013-11-04 19:40:09"|"auto-insurance-qa"|"If I am technically at fault because I am in someone's lane of travel when they hit me, but they have an expired license, will I still have penalties?"|"If you cause an auto accident, then your insurance should pay for any damages or injuries that you cause. By turning left in front of the other driver, you were the cause of the accident.Even if the other driver does not have a valid drivers license, this does not change the fact that you caused the accident. An expired license can be a simple oversight by the other driver and they would not be involved in the cause of the accident. The police could cite the other driver for not having a valid license but that would be about all that would be involved.You should report the incident to your insurance company and let them contact the other driver to work a settlement for the accident. They will review the incident and if you are determined to be at fault, they will pay for the repairs to the other car as well as to your car, if you have collision insurance."|"I was taking a left turn and they were stopped. they go. hit me before I can stop. according to MA laws... apparently nothing matters but that I was in her lane."|"2013-11-06 09:30:24"|"01851"|"Lowell"|"MA"|"https://insurance.freeadvice.com/insurance-questions/if-i-am-technically-at-fa-2181.htm" "2013-11-03 12:33:13"|"auto-insurance-qa"|"I have a car I let my son use, it has a loan on it and hes does not live at home. How should I insure this car the right way."|"If you allow your son to use your car on a regular basis, you should tell your insurance company that he is a driver, even though he does not live in the household. The insurance company will rate him as the principal operator of the car and will rate the car based on his age and driving record. If you allow your son to occasionally use the car, you really do not have to advise the insurance company of this, since he is not a member of the household. If he causes an accident, your insurance company will pay for the damages and injuries caused in the accident, since insurance follows the car.However, if there is an accident, the insurance company may then ask that he be added to your policy. You can explain he does not live at home and only occasionally uses the car. That may satisfy them."|""|"2013-11-06 10:01:46"|"03048"|"Greenville"|"NH"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-car-i-let-my-son-2178.htm" "2013-10-31 22:41:56"|"auto-insurance-qa"|"Does insurance typically offer depreciated value for replacing damaged wheel?"|"In auto insurance, the settlements offered on the car and parts that are attached to the car are often depreciated. Auto insurance is on an actual cash value basis, which does not include full replacement cost.Your insurance company has the right to depreciate the wheel since it is not new and has been in use for four years. However, if you can prove the similar item they are basing their figures on is not in the same condition as your wheel you can try to get a higher settlement. Also, if the wheel was not damaged previously, you can try for a lower depreciation amount per year.If you were to file the claim with your insurance company they would probably make a similar offer, but then your deductible would apply to any settlement offer. So the offer from the other insurance company is higher than you would get any other way."|"An auto repair business damaged my wheel when fixing a tire. Their insurance said to get a replacement quote from another shop and they would send an "independent" adjuster to evaluate and provide a depreciated adjustment since car is 4 yrs old. The shop informed me the adjuster suggested 5% depreciation off quote. Their insurance instead offered me 1/5 replacement value since they found something "similar" used on Ebay or said I could relinquish my wheel and they would give 60% of replacement value (10% deprec./yr). Is this typical or should I expect full value? I'm considering small claims."|"2013-11-09 13:11:48"|"52302"|"Indian Creek"|"IA"|"https://insurance.freeadvice.com/insurance-questions/does-insurance-typically--2175.htm" "2013-10-29 21:55:09"|"auto-insurance-qa"|"Is this legal? Do I have rights?"|"Insurance companies usually allow a grace period for the payment of the premium due on the policy. If the premium is paid by that grace due date, then your insurance is reinstated back to the original date. If you were in the grace period, your insurance agent or company confirmed you are in that period, they should have accepted your payment and the loss should have been covered. It would have been easier if you had simply paid the premium first and after it was processed, then tell them of the claim. However, there should have been coverage and they should not require you to amend your coverage to liability only.Check your policy for payment information and if there is a grace period. If so, you should call your agent or company back and have them explain why the claim was not covered. Add physical damage coverage back on, to the date they required you to drop it. That would mean you still had coverage at the time of the loss. If they refuse, find a supervisor and see if they will assist you. A last resort would be to contact the Dept of Insurance and see if they can help you get the coverage and claim resolved."|"Car ins: KY. My car ins was due on 10/22/13. I have 2 vehicles thru this ins company, separate policies, but get 2 car discount due to my un married status with my fiancé . On 10/28/13, I hit a deer. My car was towed. I called next a.m to pay, they were ready to take payment. I told her i hit a deer.Now they say I wasn't covered as of 5pm 10/28/13. They refused to allow me to make payment unless I dropped to liability, and sign a paper to reinstate. She was willing to allow my payment untill I mentioned the deer. Was I covered? Grace period? Is this ethical/right? Please help! RJ"|"2013-11-17 13:57:38"|"41042"|"Devon"|"KY"|"https://insurance.freeadvice.com/insurance-questions/is-this-legal-do-i-have-r-2172.htm" "2013-10-24 19:55:29"|"auto-insurance-qa"|"Minor accident on private property"|"If you have collision coverage on your car, you can contact your insurance company and have them pay to repair your car, less the deductible on the policy. After settlement, your insurance company will attempt to contact the other party and subrogate for the damages. If they are successful, they will reimburse your deductible.If you do not have collision insurance your situation gets more complicated. You can talk to the police and advise that even though the incident was on private property, it was a hit and run incident. Tell them they should contact the other party based on that information.If they still refuse, you can talk to the school to see if they have any recourse for you. If not, you can take the other party to small claims court. The threat of this may encourage them to accept responsibility and either pay to repair your car or turn it in to their insurance company."|"My sons truck was hit at the school parking lot which is caught on video, the other child's parents refuse to do anything a out it. Police e say it happened on private property nothing they can do. What can we do about it?"|"2013-10-25 12:31:55"|"79372"|"Sundown"|"TX"|"https://insurance.freeadvice.com/insurance-questions/minor-accident-on-private-2170.htm" "2013-10-23 15:28:10"|"auto-insurance-qa"|"What do we do if we feel like we are being ripped off"|"If you struck another car, and the police report confirms the cause of the accident, then you are legally responsible to repair the car for the other party.You can report the claim to your insurance company. They will investigate the damages and work with the other person to make the repairs. Some insurance companies do not charge an accident if the damage is under a certain limit. You should find out if $500 is below that limit. If so, just let the insurance company handle the claim.If you do not want to report the damage to your insurance company, you can settle the claim, but since the other party has three estimates showing the damage to be $500, you would be hard pressed to try to pay less. It sounds as if the other party is not trying to gouge you in the repair costs. Any repair to a car can easily run $500 with labor to take out a scratch as well as repaint where necessary. You sound as if you are complaining about a possible difference of $50 ($450 vs $500). You should let this go and pay for the repairs or call your insurance company."|"My wife bumped the back of a man's car. The police officer came out made a report in the report it says she was going less then five miles and hour, the officer said the was a minor scratch on the car. A week later the man with the car calls and says that three auto body shops said it would cost just under $500 worth of damage. We find it hard to believe that a bump would cost that much. So what are our options we will pay if that is true, but I have a strong feeling there was not $450 worth of damage."|"2013-10-24 12:53:32"|"28129"|"Frog Pond"|"NC"|"https://insurance.freeadvice.com/insurance-questions/what-do-we-do-if-we-feel--2169.htm" "2013-10-21 17:05:10"|"auto-insurance-qa"|"If you own houses in two different counties such as Hillsborough & Citrus, can you have your auto insurance policy through either county?"|"Your car insurance should be written in the county where you spend most of your time. If you have two homes in different areas, the cost of the insurance could well be different in the two areas.Most insurance companies will not try to confirm where you actually live. You can get estimates from both addresses and obtain insurance according to the best rate. However, be aware that the insurance company may want to send the bill to the address you are showing as your residence. They may not really pay attention to the mailing address, but if there is an issue, they could research.If you are going to shop the insurance around, do not use the same agent, and try to use a different insurance company, unless you are getting the quotes online. The company, or agent, may question why you are using different addresses for the quotes.It is possible that there is no major difference in the costs in the two areas, so it may not be an issue while getting your quotes. "|"If I own homes in two county's, which one am I required to carry or buy the auto insurance coverage in?"|"2013-10-24 12:58:46"|"33625"|"Carrollwood"|"FL"|"https://insurance.freeadvice.com/insurance-questions/if-you-own-houses-in-two--2167.htm" "2013-10-17 20:01:31"|"auto-insurance-qa"|"mY HUSBAND WANTS TO BORROW FRIENDS OF OURS THAT ARE GOING THROUGH BANRUPTSY A CAR OF OURS THAT IS TITLED IN MY NAME FOR A PERIOD OF TIME."|"this really is not an insurance question."|"THAT MEANS OUR CAR, OUR INSURANCE, WHAT HAPPENS IF THEY GET IN AN ACCIDENT>>...oBVIOUSLY THEY ARE NOT THINKING WITH A FULL DECK BECAUSE THEY HAVE A TON OF PROBLEMS RIGHT NOW.....TO ME THEY ARE HIGH RISK. My husbank says I am over reacting and they are not going to get in an accident. I have offered to sell the car to them with great terms or add him to our policy and they have not even bothered to answer us on that. what would you do?"|"2013-10-21 16:07:20"|"56560"|"Kragnes"|"MN"|"https://insurance.freeadvice.com/insurance-questions/my-husband-wants-to-borro-2166.htm" "2013-10-14 12:49:13"|"auto-insurance-qa"|"Proof of purchase price and taxes paid at the time of vehicle registration necessary to provide to agent if vehicle is stolen"|"are you asking if this is necessary?"|""|"2013-10-23 09:53:38"|"58554"|"Fort Rice"|"ND"|"https://insurance.freeadvice.com/insurance-questions/proof-of-purchase-price-a-2164.htm" "2013-10-14 12:31:02"|"auto-insurance-qa"|"Can I be denied on my claim for not being able to provide proof that the loss vehicle was in good running condition at the time of the loss"|"If you had an accident and your car was not in good running condition, it could be the cause of the accident. If you caused an accident because of the condition of your car, the insurance would still have to pay the other party for their damages and injuries since you were still responsible for the damage.If you are referring to repairs to your car, then the insurance company could reduce the amount of repairs to your car if it was not in good running condition. While the physical condition of your car would be more of a reason to offer a lower settlement to you, the running condition could affect the value of the car, which would reduce the settlement offer. However, the insurance company should not be able to totally deny coverage. You should, however, review the policy to see if there is an exclusion or limitation in the policy due to condition of the car."|""|"2013-10-24 13:04:54"|"58554"|"Fort Rice"|"ND"|"https://insurance.freeadvice.com/insurance-questions/can-i-be-denied-on-my-cla-2163.htm" "2013-10-14 11:22:42"|"auto-insurance-qa"|"I am being sued by an insurance company to recover their cost on a claim they paid their customer because I was driving with no insurance."|"If you cause an auto accident, your insurance company would normally defend you and pay for any damages that you cause. Since you did not have any insurance at the time of the accident, the other party's insurance company paid for the repairs and they are now subrogating against you for the damages. There could have been injuries that the insurance company paid for.Even though you were not cited for not having insurance, it does not mean you are not responsible for the damages. If there was a police report they may or may not determine who was at fault.Usually the insurance company will allow you to make payments to them for the damages. You should contact them and ask for an accounting of what they paid out, and see if they will let you make payments to them. If you ignore them, they could take you to court for the damages, which would only increase the amount you would owe."|"I rear ended their customer with very minimal damage. Was not ticketed for lack of insurance or at fault in the accident. Being sued for over $5,000 which seems very excessive for the damage caused. What potions do I have?"|"2013-10-25 15:58:11"|"48706"|"Bay City"|"MI"|"https://insurance.freeadvice.com/insurance-questions/i-am-being-sued-by-an-ins-2161.htm" "2013-10-07 10:45:18"|"auto-insurance-qa"|"Should we claim the accidient?"|"If you were in an accident that was not your fault, you can file a claim with the other driver's insurance for the damages to your car. They should be able to arrange an estimate for your repairs and handle the claim without involving your insurance company. Also, by doing this no deductible will apply to your damages. If you don't know the insurance company, contact the other driver for the information.Since the accident is not your fault, your rates should not be affected in any way by this accident. If you have to report to your insurance company, you still should not be affected since it was not at fault. Your insurance company will pay for the repairs, less your deductible and then go to the other insurance company to reimburse them. However, it is best if you go directly to the other insurance company so you don't have to wait for the deductible to be reimbursed."|"I was rear ended by a teen girl on freeway. I called the police right after the accidient. But I was hesitate to make the claim even this is not my fault. I have made two at fault claims and got one speeding ticket during the past three years. My rate already went up a lot. I'm afraid if I made this claim, even the driver is my husband,and not at our fault, our rate will dramaticly goes up and we may can not renew the policy any more. We are at Liberty Mutral Insurance company.Any suggestions are great appreciated."|"2013-10-26 12:01:23"|"20841"|"Boyds"|"MD"|"https://insurance.freeadvice.com/insurance-questions/should-we-claim-the-accid-2158.htm" "2013-10-01 15:49:29"|"auto-insurance-qa"|"can I demand to have my car repaired"|"If your car was damaged in an accident, the insurance company for the responsible party will inspect the car. If the repair cost exceed the actual cash value of the car, then the insurance company will declare the car a total loss and offer you the current actual cash value of the car.While you cannot demand that the insurance company repair the car rather than total it, you can ask to buy back the salvage and have the car repaired. Most insurance companies will do this. You can then pay to have the car repaired at your own cost. However, the salvage value is probably much less than the settlement the insurance company will offer so you should have some money left to fix the car.Before you go ahead and buy the salvage, make sure your insurance company will allow you to reinsure the car after it is repaired. They should be willing to insure it for liability coverage, but they may refuse to cover it for physical damage coverages. Even if they do, the value of the car will be reduced since it will be a salvaged vehicle."|"I was in an accident, I was not at fault. his insurance wants to total my car which was in excellent condition.I'm a college student and can't afford a car payment. Can I demand my car be fixed."|"2013-10-29 17:10:37"|"30066"|"Marietta"|"GA"|"https://insurance.freeadvice.com/insurance-questions/can-i-demand-to-have-my-c-2153.htm" "2013-09-06 16:58:00"|"auto-insurance-qa"|"WILL INS PAY FOR DAMAGES TO MY CAR?"|"If you had an auto accident that was not your fault, but you didn't have car insurance at the time, then purchasing insurance after the fact will not result in your car being fixed.Auto insurance cannot be be backdated, and the insurance, when purchased, is effective that date for damages to the car going forward. If you attempt to file a claim, and lie about the date of the accident you can be charged with fraud and lose all hope of insurance and possibly going to jail.If there was another car involved in the accident, and they were at fault, then their insurance should pay for the damages to your car. Contact that insurance company and file a claim. They will talk to their insured and will settle the claim with you for the damages. There would be no deductible for these damages.If the other party had no insurance, then you can try to take them to court to pay for your damages. This can usually be done in small claims court and no attorney is required."|"I HAD A CAR ACCIDENT THAT WAS NOT MY FAULT I DID NOT HAVE INS, IF I PUT INS ON IT WILL IT GET PAID FOR?"|"2013-09-10 15:21:36"|"75766"|"Cove Spring"|"TX"|"https://insurance.freeadvice.com/insurance-questions/will-ins-pay-for-damages--2125.htm" "2013-08-27 21:17:57"|"auto-insurance-qa"|"How should I go about resolving this parking lot property damage?"|"If your car rolled out of a parking space, even if you were not in it, you would be considered responsible for the damages caused to the property owner's fence. You can report this incident to your insurance company, but it could increase your insurance rates. You should find out the cost to repair the fence. Then check with your insurance company to see if there is a limit before they will increase your rates. In many states it is $500 or $750. If the damage is below that, you can report the claim and your rates won't be affected. If it is higher, then your rates could go up. You should determine if the increased costs of the insurance warrant filing the claim with your insurance company. You may find it less expensive to pay for the repairs on your own. There is nothing wrong with doing this, since no one was injured in the incident."|"I went to the grocery store and parked my manual shift car. I went in to get one thing, and when I came out, I saw that my car had run into the fence around the detention pond about thirty or so feet in front of my car. A lady asked me if it was my car. I said that it was, and she said that she didn't know what happened, but that it just started rolling. I figure I had forgotten to apply the e-brake, even though I've had this car for years, and applying it when I park is second-nature. So, the fence sustained mild damage. What should I do now? Should my car insurance company be involved?"|"2013-08-29 12:05:53"|"30040"|"Cumming"|"GA"|"https://insurance.freeadvice.com/insurance-questions/how-should-i-go-about-res-2118.htm" "2013-08-27 17:25:42"|"auto-insurance-qa"|" teenager insurance"|"If your daughter is now licensed, and a member of your household, the insurance company has a right to add her to your policy as a driver and charge the appropriate rate. If you refuse to add her to the policy then the insurance company can exclude her from your policy, which would mean there is no insurance coverage for her if she drives your car. It does not necessarily mean she will have to relinquish her license.You should add her to your policy so she is properly insured if she uses your car. She can borrow another person's car whether she is insured under your policy or not, but if they do not have insurance, then any accident she might cause would fall back to her. Without insurance, she would be financially responsible for any damages.Your agent or insurance company can give you an estimate as to the cost to add her to your policy. If you have fewer cars than drivers, she would be rated as an occasional operator. She would also be eligible for discounts as a good student, and sometimes discounts if she takes a driving course or watches a video provided by your insurance company. Make sure you ask about all possible discounts."|" My daughter recently received her full drivers licence and I have been informed by my auto insurance agent that unless I put my daughter (16) on my auto insurance she will have to relinquish her licence , Is this true"|"2013-08-29 12:10:49"|"84049"|"Midway"|"UT"|"https://insurance.freeadvice.com/insurance-questions/teenager-insurance-2117.htm" "2013-08-27 10:15:50"|"auto-insurance-qa"|"my Insurance issued me a check for hail damage but I have a loan on the car ? "|"When your car is damaged by hail or similarly damaged, the insurance company will often make an estimate for the damages and issue a check to the car owner for the damages, even if there is a loan on the car.If you take your car to a repair shop and their estimate is higher, you then need to work with the insurance company for the additional funds. In your case, the damages are so high the insurance company is considering the car as a total loss. This changes the claim entirely.Since you have a loan on the car, the insurance company will not issue a revised check for a total loss without including the bank on the loan. You can try to find another repair shop who can do the repairs at the insurance company's quote and then you can use the check issued by your insurance company. Otherwise, you will have your car totaled out and the check will be made out to the bank. If you owe more than that amount, or the same as the check amount, you will not receive any funds for your car, and you could owe the bank some additional money."|"I was issued a check for hail damages, I took it to the auto body shop and the estimate they gave was over 75% of my cars value. the insurance says its totaled unless Ican find someone cheaper but wont issue me a check until I get the banks approval because there is a loan on my car. should they have issued me a check in the first place? does the estimate of a body hop hold water? and was my claim settled when I was issued a check?"|"2013-08-29 12:26:05"|"68114"|"Omaha"|"NE"|"https://insurance.freeadvice.com/insurance-questions/my-insurance-issued-me-a--2116.htm" "2013-08-23 09:03:51"|"auto-insurance-qa"|"auto insurance responsibility on letting insured driver aware of a waiver signed 8 year ago"|"If your insurance policy includes an exclusion for a driver in the household, the exclusion does not need to be signed at each renewal. The form indicating an excluded driver is usually all that is used.Usually the insurance policy will continue to show the form that is the exclusionary form for the policy and often times it is shown on the face of the policy declaration page. However, each insurance company handles this differently.If the driver who is excluded moves out of the household, it is your responsibility to advise the insurance company. At that time they may agree to remove the exclusion. However, it is your responsibility to keep them advised of the status of the driver.If the insurance company does not notify you at each renewal that there is an excluded driver, it is still presumed that the exclusion applies until it is removed. "|"is an auto insurance co responsible for including a waiver signed 8 years ago excluding a driver in your policy renewals every year ? "|"2013-08-26 12:01:02"|"21204"|"Baltimore"|"MD"|"https://insurance.freeadvice.com/insurance-questions/auto-insurance-responsibi-2111.htm" "2013-08-22 13:46:47"|"auto-insurance-qa"|"Will State Farm drop us if we hire a lawyer to help us come to a higher settlement agreement? Is the settlement they offered enough?"|"If you are involved in an accident that is caused by another party, then the other party's insurance should pay for your damages and injuries. If the insurance for that other party is not sufficient to cover your injuries, you can apply for coverage under your medical payments coverage, if you have that coverage, as well as under uninsured or underinsured motorist coverage. Your insurance company should handle this as any other bodily injury coverage, up to the limits of the uninsured or underinsured motorist coverage. You can obtain an attorney to help settle the claim, and your insurance company will then start working through that party. This should not affect your insurance coverage going forward. When you retain an attorney, all workings go through them and may not continue to contact you. The attorney will work on your behalf but be prepared that any settlement will have to include the fee of the attorney and thus reduce your end of the settlement."|"My husband was rear ended while at a stoplight over a year ago by a vehicle going about 25mph. He has had extended hip pain. His PIP is exhausted and is paying out of pocket to continue chiropractic therapy. He did message and physical therapy for quite some time as well. The adjuster called to offer 5K to settle, saying THEIR doctors say he should have been better last year. We are having a hard time determining if the offer is good or if we should hire a lawyer to help us obtain a higher settlement. Advice is appreciated."|"2013-08-26 12:08:25"|"98036"|"Brier"|"WA"|"https://insurance.freeadvice.com/insurance-questions/will-state-farm-drop-us-i-2110.htm" "2013-08-19 14:39:24"|"auto-insurance-qa"|"Filing a complaint on Ocean Harbor insurance. Uncooperation with both client and lienholder."|"You probably need a lawyer"|"We are lien holders. Our client was in an accident and filed a claim with ocean harbor. We waited to receive a response, however never received anything. Claim was denied because they state that the client missed a phone hearing,however client never received such appointment letter. We kept following up and were able to speak to anyone or even get an email or names. Finally after several weeks we were able to speak to someone and were able to submit the reasons that he did not make the hearing and they still did not accept it. We tried several times to reach the adjuster and his supervisor"|"2013-08-29 12:26:53"|"33169"|"Miami"|"FL"|"https://insurance.freeadvice.com/insurance-questions/filing-a-complaint-on-oce-2108.htm" "2013-08-18 13:32:27"|"auto-insurance-qa"|"My 12yr old Son damaged my car. Can I claim on Insurance?"|"If your son accidentally damaged your car with his bicycle, you can collect the damages under your car insurance. This would be considered a collision, not a comprehensive loss. If you have collision coverage, the collision deductible will apply to any settlement from the insurance company. This type of claim would not apply under the homeowner insurance. Homeowner insurance excludes damages to your auto. This is a standard exclusion under all homeowner policies.Comprehensive coverage under the homeowner policy does not include collision damage except collision with an animal such as a deer. All other "collisions" are covered under the collision portion of the policy. This even includes damage from a pot hole in the roadway, that too is considered a collision.Before reporting this claim, check with your agent to be sure they will not increase your rates for this claim. Usually there is a minimum amount of damage before rates are affected, but find out what this minimum is. "|"My 12yr old Son dropped his bicycle into the side of my new car, denting the fender and damaging the paint. I'll get a repair quote, and if it's significantly more than my deductible I will consider claiming on insurance.My two questions are; 1. Would this be a claim against my full comp auto insurance, or would I claim against our house insurance (both Safeco)? I understand my Son would be covered on house insurance if he damaged someone else's car.2. Would our house or car insurance cover this as it is my Son and my car, or is it effectively excluded as a 'self inflicted' claim?"|"2013-08-26 12:14:14"|"98045"|"Cedar Falls"|"WA"|"https://insurance.freeadvice.com/insurance-questions/my-12yr-old-son-damaged-m-2106.htm" "2013-08-13 19:56:22"|"auto-insurance-qa"|"Claim question "|"you need to contact a lawyer"|"I am a driver on my dad's policy. I was driving my mothers pickup truck to pick up a hot tub i had Recently purchased. I borrowed a friends trailer to transport it. I was rear ended on the interstate. My mom's truck, my hot tub and my friends trailer were totaled. The other driver was determined at fault so her insurance was covering damage. My father started the claim and reported all damaged property, but did not reveal that it wasn't his property. He received the checks made out to him for the damages. He deposited the checks and refuses to reimburse us for our property. What can we do?"|"2013-08-14 15:25:01"|"29715"|"Fort Mill"|"SC"|"https://insurance.freeadvice.com/insurance-questions/claim-question-2101.htm" "2013-08-09 15:08:04"|"auto-insurance-qa"|"Can an insurance agent change your policy without consent or notification?"|"Before an insurance agent or company makes any changes to someone's auto insurance they should discuss it with the policyholder. The agent should have spoken to your fiancé about adding you as a driver to his policy. Since you have your own insurance coverage, you do not need to be added to his policy. You simply need to provide the agent or company with the information on your insurance. Once this is done, your fiancé's policy should be converted back to the way it was.It is common for insurance companies to add drivers to the policy if there is an additional driver in the household. The insurance company has the right to charge for the exposure of drivers in the household. However, if there is other insurance on the additional driver, then the insurance company should not add and make any charges for the new driver and their driving record.Have your fiancé talk to his insurance agent and have them correct the policy back. If there is a problem with this, make the agent explain why the added you, and why they did so without a conversation with your fiancé."|"My fiances insurance agent added me as a driver to his policy without his consent, his knowledge, or him wanting to do so. This resulted in a higer premium by $700. I have my own car insruance for my vehicle. Is this legal? "|"2013-08-30 10:00:58"|"01522"|"Jefferson"|"MA"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-agent-ch-2096.htm" "2013-08-06 14:58:54"|"auto-insurance-qa"|"can an insurance provider deny access to information on a case to persons involved?"|"Each state has their own rules regarding the time period a person can file a claim on an auto accident. It appears that NC has a three year period where someone can file a claim.In view of this, your insurance company would be reluctant to provide a statement that there has been no claim for the accident two years ago, since the other party could still file a claim.You can call your agent or insurance company and ask them if they can provide some statement saying that "to date" there has been no claim filed regarding the accident. They may be willing to do this. However, since the claim is still open, they may not agree to do so.If they decline, talk to your attorney to see why he feels you need this statement from the insurance company. It may be that it is not something that is truly necessary at this time."|"my lawyer has requested that I get a paper stating no one has made any claims on an accident two years ago. No one has up to date yet the insurance company says they wont provide it until three years past the accident date. I believe I have a right as the only person involved in paper on this case."|"2013-08-07 15:02:30"|"27011"|"Booneville"|"NC"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-provider-2094.htm" "2013-08-01 18:00:47"|"auto-insurance-qa"|"I was uninsured at the time of a accident and received a letter to reimburse their money. Am i liable to write them a check?"|"If you were in an accident, and caused the accident, you are responsible to repair the other person's car and pay for their injuries. This is the case whether or not you had insurance.It sounds like the other party's insurance company has paid for their repairs and they are now coming back to you to reimburse them for the money they paid out. If you refuse to pay they can take legal action against you. They can also contact the DMV and get your license suspended. If you cannot pay the full amount at one time, you can set up a payment plan with the insurance company. They will work with you to take care of this settlement. Call them to work out a payment plan with them.You should also go forward and get insurance on your car now. The accident will affect your rates, but if you don't get insurance, you could lose your license whether the insurance company contacts DMV or not."|""|"2013-08-07 14:56:43"|"91331"|"Arleta"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-was-uninsured-at-the-ti-2092.htm" "2013-07-30 13:24:05"|"auto-insurance-qa"|"Lied about a claim, even though I wasn't at fault (I know, I know). what will happen to me if I change my story to the truth?"|"If you are struck by another person in a parking lot and alter the story to assist the other driver, it will not usually work out well for you. The other insurance company apparently took a statement from the other driver who gave a different account of the incident. However, whether you witnessed the damage being done, or pretended to receive a note from her, she still struck your car, which would make her responsible for your damages. Even though you didn't call the police, they may not have come if the accident occurred in a parking lot, so it would not have changed the situation in that way.It sounds as if she may have told her insurance company that she did not hit your car, as that would really be the only reason they would deny the claim. You should talk to the insurance company and see if they will advise why they are denying your claim. If the girl says she didn't cause the damage, then it is your word against hers, and you will be hard pressed to get them to pay.If she denied the damage, you can take her to small claims court to try to get a judgment against her. If she loses she will have to pay for your damages. At that time she may go back to her insurance company to see if they will pay."|"I witnessed a girl scrape my car in a parking lot. she wasn't the owner of the car and was hystarical about the cops so after I took a photo of her insurance card and registration card. I told her I would report it as if she left a note on the car. it seemed she was having a family crisis at the time as well, so I took mercy on her and she left the scene ASAP. the car owner's insurance denied the claim because of different stories. I scared to tell the truth because I'm not sure if this is considered insurance fraud. please help."|"2013-07-30 18:06:15"|"57718"|"Black Hawk"|"SD"|"https://insurance.freeadvice.com/insurance-questions/lied-about-a-claim-even-t-2088.htm" "2013-07-29 14:55:57"|"auto-insurance-qa"|"married same ins but nothing else"|"Auto insurance policies are to be written in the name of the registered owner. If you both are on the registration, then the insurance should be in both names.If your son is a driver of the car, he should be listed as a driver and charged accordingly. The rates are affected by his driving experience and any tickets or accidents he may have.If your step son has an auto accident in the car then it is your liability that is exposed. If it is a major accident then the liability limits could be used up and you could be held liable for any additional injuries or damages. If your step son does not live with you, he should be listed on the other insurance policy if there is one. Otherwise he needs to stay on the current policy.If you are concerned with his driving you may be better off getting him an inexpensive car and have him insured on his own. Then it is his liability that is exposed. "|"we have the same ins but nothing else we both have our own homes .my stepson is on this police do I have to worry if he at fault at an accident?"|"2014-01-06 16:29:19"|"03275"|"Allenstown"|"NH"|"https://insurance.freeadvice.com/insurance-questions/married-same-ins-but-noth-2086.htm" "2013-07-28 20:11:08"|"auto-insurance-qa"|"Can third party auto insurance deny a claim before gathering my statement & witness statements?"|"If you are involved in an auto accident and you are cited for failure to yield, the other insurance company will most likely deny your claim for damages to your vehicle.If you can get the ticket dismissed, and have witness statements from none involved witnesses, the insurance company may reconsider the claim. Even if an insurance company closes any claim, they can always reopen the claim if there is evidence that the claim is valid. go ahead and send the paperwork that you have and if the citation is dismissed, then send them that information. Continue to follow up if you do not hear from them. If they continue to deny the claim, ask to speak to a supervisor.If the citation is not dismissed, you will most likely be unable to collect from the other insurance company."|"I was involved in a car accident where I was cited for failing to yield to oncoming traffic. The other driver was speeding & contributed to the accident. I do not have insurance and filed a claim with the other driver's insurance. I sent a letter of notification and got a letter back that she was in receipt of my letter and to call her at my convinience. I gathered up witness statements and have a trial date for my citation in Sept in hopes of dismissaI. I got a letter that they denied my claim b/c of my citation but I hadn't sent in my statement/witness statements/pics yet to the adjuster.."|"2014-01-05 14:28:32"|"98115"|"Seattle"|"WA"|"https://insurance.freeadvice.com/insurance-questions/can-third-party-auto-insu-2085.htm" "2013-07-22 09:39:10"|"auto-insurance-qa"|"My daughter and family were in a wreck with an 18wheeler. It was the truckers fault. Their car was totaled. They were not hurt visibly, but hurting."|"If the trucker caused an accident with your daughter and her family, the trucker's insurance company will respond to settle the claim. If the car was totaled, the insurance company will offer the actual cash value of the car. This is determined by the Blue Book or other sources as to the current value of the car. This is often not what the owner feels is the value, but it is based on local costs. If you do not agree with the offer, it is up to you to prove a higher value for the car.If it was not totaled, then they will pay to repair the car at no cost to your daughter.If your daughter and family were injured, their medical expenses will be reimbursed. However, the insurance company will usually wait until all medical services have been completed. They usually will not make partial payments. As far as emotional injuries, each insurance company handles this type of claim differently. They will probably make some sort of offer, but that is not guaranteed. Your daughter needs to talk to the adjuster about this and see what they offer."|"Will the truckers insurance replace their car and offer some kind of settlement? They are both affected terribly, as their son, who is 4 was in the car."|"2013-07-23 12:02:43"|"76116"|"Benbrook"|"TX"|"https://insurance.freeadvice.com/insurance-questions/my-daughter-and-family-we-2080.htm" "2013-07-21 13:35:58"|"auto-insurance-qa"|"What is best way to transfer insurance and registration on a car jointly owner and insured (has loan). Ex is in Nevada, car is currently in Mass."|"If a car owner is in one state but the car is in another state, such as a student having a car away at school, the insurance company usually prefers to have the car insured in the state where the car is registered. If the car is registered in Nevada it should be insured there.However, if the car remains full time in the other state, then you should register it there and insure it there. The insurance should be in the name of the registered owners, even if divorced. The bank will most likely require that both owners be shown on the insurance. If the daughter is using the car, she should also be listed as a driver on the policy and the rates will reflect her driving experience and driving record. The owners need to be listed so they are protected in the event of an accident involving the car. Ask your insurance company what they want done."|"The car is jointly owned and has a loan on it. According to divorce decree when car is paid off it is to go to daughter in Massachusetts. Ex husband does not have money to pay off his half of the loan.how do we handle insurance and registration. Currently insured in Nevada"|"2014-01-06 16:23:14"|"02190"|"South Weymouth"|"MA"|"https://insurance.freeadvice.com/insurance-questions/what-is-best-way-to-trans-2078.htm" "2013-07-12 10:21:46"|"auto-insurance-qa"|"My friend wrecked into a parked vehicle with my motorcycle. I don't have motorcylce insurance, who is respondsible?"|"If you owned the motorcycle that caused the accident, then you would be responsible for the damages caused in the accident.You are correct that your car insurance will not pay for an accident caused by a motorcycle. You should have carried insurance on the motorcycle if you were going to use the bike, or let someone else use it.Your friend, who owned the damaged truck can file a claim with his insurance company for the damages. The deductible on his policy will apply. His insurance company may then come to you to reimburse them for the money they paid out. They may also try to get the money from the driver, but you are legally responsible for the damages.If the owner of the truck does not have insurance for the damages, he can sue you for the repairs. You may be better off having him get an estimate and see what the costs are. You and the rider of the bike might then pay for the repairs to the truck.Presuming the accident was not reported to the authorities, your insurance rates will not be affected, nor the driver of the bike. However, you need to get insurance on the bike if you are going to continue to use it."|"The owner of the parked vehicle who my friend hit now thinks there may be damage to the truck. There was no visible damage to the truck as the accident occured at a low speed and only the rear driver tire was hit. My friend only has auto insurance and I have no motocylce insurance. Does someone need to file a claim?"|"2013-07-23 12:08:30"|"73099"|"Yukon"|"OK"|"https://insurance.freeadvice.com/insurance-questions/my-friend-wrecked-into-a--2073.htm" "2013-07-08 16:44:08"|"auto-insurance-qa"|"Pain and Suffering Amount"|"talk to an attorney"|"I am 25 and in the state of Michigan. I was involved in an auto accident a few months back. The other party was completely responsible, admitted it, and was cited by police. I injured one of my knees. I was diagnosed and treated (2 surgeries) with a torn ACL, medial meniscus, lateral meniscus, and cartilage damage. Recovery has been very extensive & painful and has left a few scars. I have been off work for 11 weeks now and may be longer. My insurance has covered lost wages and medical bills. Third party insurance wants to settle. What can I expect for "pain and suffering" (ballpark)? "|"2014-01-04 15:05:28"|"49002"|"Portage"|"MI"|"https://insurance.freeadvice.com/insurance-questions/pain-and-suffering-amount-2066.htm" "2013-07-08 16:30:06"|"auto-insurance-qa"|"Auto Injury Settlement"|"talk to an attorney"|"I am in the state of Michigan. I was involved in an auto accident a few months back. The other party was completely responsible, admitted it, and was cited by police. I injured one of my knees. I was diagnosed and treated (2 surgeries) with a torn ACL, medial meniscus, lateral meniscus, and cartilage damage. Recovery has been very extensive & painful and has left a few scars. I have been off work for 11 weeks now and may be longer. My insurance has covered lost wages and medical bills. Third party insurance wants to settle. What can I expect for "pain and suffering" (ballpark)? Thanks"|"2014-01-04 15:04:57"|"49002"|"Portage"|"MI"|"https://insurance.freeadvice.com/insurance-questions/auto-injury-settlement-2065.htm" "2013-06-26 11:31:42"|"auto-insurance-qa"|"I was rear ended and the other driver took full responsibility and paid all bills so why did my premium jump 150$"|"If you were rear ended in an accident and the other insurance company paid for all of the damages to your car, then your insurance rates should not be affected.You need to talk to your agent or insurance company about the rate increase. If you did not report the incident to your insurance company, they may not know that you settled the claim with the responsible driver. The accident may have appeared on your driving record and they surcharged the policy for the accident.If that is the case, they will remove the surcharge when you explain the situation to them.It is also possible that there was a general rate increase taken by your insurance company, and this is in no way connected to the accident. Again, you need to talk to your agent or insurance company and have them explain the reason for the increase. If it was a general rate increase you may want to shop around for other insurance to see if you can do better."|"I was at complete stop when I was rear ended. The other driver admitted he was at fault and his insurance company paid for everything.My car is only worth about $2000 and they now want me to pay $ 925 a $150 increase. It seems I am being penalized. And should I be paying all this insurance . Thanks "|"2013-07-23 14:28:45"|"02045"|"Hull"|"MA"|"https://insurance.freeadvice.com/insurance-questions/i-was-rear-ended-and-the--2060.htm" "2013-06-25 16:59:13"|"auto-insurance-qa"|"When you willingly surrender your vehicle to lienholder is it okay to cancel the insurance on that specific vehicle?"|"If you have turned in a leased vehicle to the leasing company, and they have acknowledged receipt of the vehicle, you no longer have an insurable interest in the vehicle so you can cancel the insurance on it.If you returned the vehicle before the lease was up, you need to make sure the leasing company has accepted the vehicle. If they have not, you could still be responsible to insure it until the lease is terminated. Call them to confirm the lease is ended, and document who you spoke to.When you remove this car from your insurance, the cost of the insurance on your existing vehicle will increase. This is due to the fact that insurance companies give a multi car discount, and that discount will no longer apply if you only have one car. The savings is usually about 20% of the premium, so be prepared for that increase."|"I have my leased car and a car I own on the same policy I just want to cancel the leased vehicle"|"2013-06-26 14:36:01"|"01013"|"Chicopee"|"MA"|"https://insurance.freeadvice.com/insurance-questions/when-you-willingly-surren-2059.htm" "2013-06-22 12:12:17"|"auto-insurance-qa"|"Can Progressive Insurance deny a claim for hale damage for not having receipt for a claim 5 years ago?"|"Most insurane companies who settle a hail damage claim are aware that the damage is not always repaired by the vehicle owner. In your case, if you were the owner of the car at the time of the previous claim, they can ask for proof the repairs were made. However, if you did not own the car at that time, and then purchased insurance from them, they should honor your claim.When you applied for the insurance you are usually requested to advise of any existing damage to your car. If you indicated there was no damage, and the agent or insurance company did not inspect the car, they have no standing to deny your claim.If your mother had the car insurance, and you simply took over her policy, then no application would say whether you indicated damage or not to the car. It puts you in a more difficult position. You indicate the car was damaged 5 years ago, but insured with Progressive for 12 years, so the times are confusing.Ask to speak to a supervisor about the claim. See if they will help you in getting the claim settled to your satisfaction."|"I filed a claim for hale damage for a bad storm that happened last month and Progressive denied claim because I didn't have receipt for a claim 5 years ago. I have been paying full coverage with Progressive for 12 years. They denied claim because I don't have receipt for previous repairs. My mother took and has passed away since and I don't have receipts."|"2013-07-24 11:44:47"|"79415"|"Lubbock"|"TX"|"https://insurance.freeadvice.com/insurance-questions/can-progressive-insurance-2055.htm" "2013-06-21 22:27:52"|"auto-insurance-qa"|" Parents did not pay any premiums on automobile policy, did not drive, and died 1/2 way into policy time Is premium still due?"|"Many auto policies are automatically renewed unless the insured party requests the policy be cancelled or not renewed. However, the insurance company will usually give the insured a certain period of time to pay the premium. If it is not paid, they will send a cancellation notice for non payment of the premium. If the premium is not paid by that time then the policy will revert back to the renewal date and cancel.Some companies do require a request to cancel even if the premium is not paid. They will cancel the policy as of a certain date. They will then send a collection notice for the earned premium from the renewal date to the cancellation date.Try to work with the insurance company. They may refuse to cancel back to the renewal date. If so, they should be willing to cancel as of the date of death of your parents. If this is not acceptable to you, you can simply refuse to pay the premiums and ignore the notices. It is not your debt, but your parents. g"|"Parents' auto insurance was automatically renewed in December. Both parents died (natural causes) a few months afterwards without paying the premium and the car had not been driven since before the time of renewal. Although the insurance company was made aware of the facts, they are sending out collection letters from the date of auto renewal until my last parent's passing. Should not this policy be cancelled by the company because parents did not acknowledge the new policy with a payment?"|"2014-01-05 13:23:57"|"77059"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/parents-did-not-pay-any-p-2054.htm" "2013-06-20 22:49:55"|"auto-insurance-qa"|"How do I obtain the oral disposition from my insurance company of the person that hit me. "|"If you were struck by another person but they are denying that they were at fault, her insurance company is going to take her statement and deny your claim. If your insurance company has a statement from her saying that she was at fault, they can use it to get reimbursement from that insurance company but they have to have made a payment on the claim.If your damage is over the $1,000 deductible, file the claim through your insurance company. They will pay for the difference, and will then subrogate against the other insurance company. They will use the information they got from the other driver to prove the cause of the loss. When they recover the payment your deductible will be reimbursed to you.It is not likely that your insurance company will provide you with the statement they got from the other insurance company. They took the information but if you don't file the claim through them, they will not share the information."|"My neighbor backed into me and she refused to go through insurance. Later that night I contacted my insurance company and reported my claim. Long story short I got her info and reported the claim the her insurance company. My insurance company put fault on her 100 percent. But I decided to claim against her insurance because I have 1000 dollar deductible. A month later she finally got around to contacting her insurance company and told them she wasn't moving and I hit her. I need the oral disposition to prove she is at fault. "|"2013-07-24 11:38:22"|"14225"|"Buffalo"|"NY"|"https://insurance.freeadvice.com/insurance-questions/how-do-i-obtain-the-oral--2053.htm" "2013-06-20 12:41:29"|"auto-insurance-qa"|"Body shop and available parts"|"If your car was backed into by someone and their insurance company is agreeing to pay for the repairs, but new parts are not available, the insurance company can't change the fact. Even though your car was in pristine condition, the parts on it are from 2005, so they are not brand new either. The repair shop sounds like they have tried to find the new parts, but they are simply unavailable. You need to be more understanding of the situation.Often times there are after market parts available on cars. They are not made by the cars manufacturer, but by a different company. Most times these parts are as good as the original parts. If that option is not available, or unacceptable to you then used parts are the only answer. The time frame is also out of the hands of the repair shop, as they can only get the parts as they are available. "|"Someone backed into my pristine 2005 Saab 9-5 Aero and damaged the front bumper beyond repair. I went thru her insurance, found a body shop I like and started the process 2 months ago. The body shop made me wait a month till all the parts where in. Dropped the car off and now a month later...no parts. It appears there are no new bumpers for this car and the only option is to find one from a wreck which could be another two months of waiting. The car is pristine. What are my options here? Is there a limit as to how long I am supposed to wait for parts? Do I have to settle for used parts?"|"2013-07-24 11:50:34"|"87106"|"Albuquerque"|"NM"|"https://insurance.freeadvice.com/insurance-questions/body-shop-and-available-p-2051.htm" "2013-06-19 15:30:57"|"auto-insurance-qa"|"In an auto accident with multiple persons in the other car. If I want them to sign a release of liability form do I need it signed by everyone?"|"If you cause an auto accident and there are multiple people in the other car it is not in your best interests to try to settle the claim on your own. Even if you get everyone to sign off for the accident, they could still come back and claim bodily injuries. Since you had already tried to settle the claim, your insurance company could deny coverage for the injuries.You should report the incident to your insurance company. You can tell them there was no damage, but you wanted it on file in case someone claims injuries. You can then try to settle with the other person for the repairs to their car. If the damage is minor, your insurance company can pay for the repairs and it may not affect your rates, unless someone comes along later to claim injuries.Ask your insurance agent or company if there is a minimum for damages that will not affect your rates. You may find it is better to just let them handle the whole claim, especially since the driver was not the owner of the car, and the owner may not be as cooperative regarding repairs."|"In an auto accident with multiple persons in the other car. If I want them to sign a release of liability form do I need it signed by everyone in the car or just the car's owner? The driver was not the owner, but I was at fault and want to pay her for the bumper. I just don't want to pay and find out they are claiming medical injurries afterward."|"2013-06-25 14:19:53"|"98119"|"Interbay"|"WA"|"https://insurance.freeadvice.com/insurance-questions/in-an-auto-accident-with--2047.htm" "2013-06-15 21:52:10"|"auto-insurance-qa"|"Total of a car When ?"|"If you have a bid of $3300 to fix the car, you should have your shop call the adjuster to work out the repair costs and where they differ. If the $3300 is too high for the company, they will probably total out the car and pay you the value less your deductible.If your car is considered a total loss due to an accident, the insurance company will determine the actual cash value of your car. This does not always match what you may have paid for the car. The value is determined by the company using the Kelly Blue Book, Gold Book and/or local ads for a similar car.If the insurance company feels the cost to repair is too close to the value of the car, they will offer to take the car as a total loss.Whether or not the repair is worth it is something you have to decide, but you also have work everything out with your insurance company to be sure they agree to total it and not repair it. "|"Ok I have a 2001 subaru legacy L wagon 4 speed automatic with about 192,000 I just bought the car on Thursday and was hit by a hit and run driver so there is no insurance for my company to hold responsible my company allstate gave me a bid to fix of $1900-$2100 dollars , my bid is almost $3300.00 I paid about $4395.00 but after payments for 12 months it will be almost $6K so when is the time where we all realize " This is too much money to put into a car that will be 13 years old ? Is there a formula ? heres what I used , taking the $3300.00 est , 70 % of that is $2200.00 added to the $4395."|"2014-01-04 15:04:03"|"98021"|"Bothell"|"WA"|"https://insurance.freeadvice.com/insurance-questions/total-of-a-car-when-2043.htm" "2013-06-15 14:08:26"|"auto-insurance-qa"|"Does insurance cover an unauthorized passenger of a probationary, 16 year old driver?"|"If your car is being used by an authorized driver, the insurance follows your car. Since the driver does not yet have a license, they are not listed on the policy yet, but they are a covered driver as long as they had your permission to use the car. If the driver should not have had a passenger in the car, the police could issue a citation to the driver for this infraction. However, your insurance will still defend you and pay for the injuries to the passenger. If you have collision coverage on your car, the damages to your car will be covered, less your deductible. If the driver is a resident of your household, your rates could increase due to the accident.Contact your insurance company to report the claim and advise there was an injured passenger. The injuries will be covered under your liability coverage, up to its limits. There is no deductible for this coverage. "|"If a 16 year old probationary driver has a wreck and injures an unauthorized passenger, does insurance cover the medical bills for the passenger?"|"2013-06-17 11:38:54"|"47923"|"Brookston"|"IN"|"https://insurance.freeadvice.com/insurance-questions/does-insurance-cover-an-u-2041.htm" "2013-06-13 01:02:14"|"auto-insurance-qa"|"Can one driver be considered at fault when two cars collide while they are backing out of a store parking space at about the same time?"|"When two cars are backing out of their respective parking spaces the insurance companies will often resolve it as each driver is responsible for their own damages. However, if one car has completed the backing process, the second driver could be considered responsible for the accident. If you have witnesses or photos to prove your position, you may be able to collect from the other driver's insurance.You can talk to the other insurance company and see if they will consider paying for your damages. If they refuse, you can file a claim with your insurance company and they may be willing to try to collect from the other insurance company. If they are successful your deductible will be returned to you. If not, you will be responsible for your deductible. Again, if you have evidence of fault, and the insurance companies refuse to settle in your favor, you can go to small claims court and try to recover your deductible."|"In this case, the parking lot is laid out for straight head-in parking on either side of a driving lane. Car 1 was backing out of the space with no cars in the driving lane and the car directly opposite stationary in the parking space. As Car 1 was turning to align with the driving lane, Car 2 backed straight out, colliding with Car 1 at the mid-line of the driving lane. The driver of Car 2 is anxious to avoid an insurance claim and asserts that when two drivers are backing up, neither is at fault, and suggests that each driver should take care of their own car."|"2013-06-17 11:45:19"|"90504"|"Torrance"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-one-driver-be-conside-2037.htm" "2013-06-07 02:39:39"|"auto-insurance-qa"|"Can a previous reckless driving claim and a newly added personal injury of the original reckless driving claim make my insurance rates go up again."|"If you were involved in a reckless driving accident previously, and your insurance company worked to resolve the claim, your insurance rates should not go up with an added claim.Having said that, if the previous claim involved only property damage and the ticket, and you now have a bodily injury claim, then your rates could increase if your insurance company makes an additional charge for bodily injury claims. Also, the time frame from the previous claim can affect how the rates will be affected.Your insurance company has probably been working with the claimant since the original claim and it could be that the other party filed the personal injury claim to keep it open until resolved. There are time frames that need to be met, or a claim filed with a court or the claim will close.You should talk to your adjuster and see if they see any affect on your rates. If they don't know, then talk to your insurance agent. They should be able to tell you if there is any affect to your rates with this added claim."|""|"2013-06-18 10:27:51"|"33542"|"Zephyrhills"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-a-previous-reckless-d-2030.htm" "2013-06-06 17:43:48"|"auto-insurance-qa"|"my car was keyed and vandelized im not sure the right way to go about making a claim ... i mean i paid for full coverage what do i do"|"The order in which you resolve the issue of the vandalism damage to your car is not important. You need to file a police report, and your insurance company will want to you that you did so. You can tell the police who you think may have done the damage, but they may not take an action if there is no proof. You also need to tell your insurance company about the damage so they can start the claim for the repairs. You may not want to offer that you think your ex girlfriend did the damage, unless the police take action. You probably have a deductible for the damage to your car, but it sounds like there is plenty of damage, so the deductible shouldn't be a problem, unless it is very high. You can choose your own place to get the car repaired. Since this is a comprehensive claim, and not collision, your rates on your insurance policy will not be affected. "|"ok so my car was keyed pretty bad and windshell busted and my mirrors ripped off.. im certin that it was a ex girlfriend ..do i call police and make a report .. or do i call giecko first.. i just want to do the claim process the right way so im not prolonging this how ordeal .. i want to know what are the the appropriate steps in order to please my insurance company to make this claims process as fast as possible.. ive have been with gieko for 2 years with no claims otther than a chip on the windshell and roadside claims for when my car needed a jump"|"2013-06-25 14:35:38"|"75225"|"Dallas"|"TX"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-keyed-and-vand-2028.htm" "2013-06-06 12:38:36"|"auto-insurance-qa"|"AUTO INSURANCE LIABILITY, HER MOTHERS OR MINES?"|"In auto insurance, the insurance follows the car. Therefore, if your daughter is driving your car and causes an accident, your insurance will pay for the damages caused both to the other party and your car if you have collision insurance. The deductible for the collision coverage will apply before repairs will be made to your car.Presuming your daughter does not live with you, your insurance rates will not be affected by the accident. However, the accident would go on your daughter's record and could increase the rates for the mother's auto insurance, since she is listed on that policy as a driver. An increase would depend upon the amount of damage in the accident.Your insurance company may ask about your daughter. In that case you would provide them with the name and policy number of the insurance company that insures her. Then you would not be required to add her to your policy."|"MY DAUGHTER IS ON HER MOTHERS AUTO POLICY AS A DRIVER, IF i LET HER USE MY CAR AND SHE GETS INTO A CAR ACCIDENT GOD FORGIVE, WHICH COMPANY IS LIABLE MINES OR HER MOTHERS?"|"2013-06-17 16:13:24"|"10457"|"Bronx"|"NY"|"https://insurance.freeadvice.com/insurance-questions/auto-insurance-liability--2027.htm" "2013-05-30 15:15:51"|"auto-insurance-qa"|"If a person who is not listed on my insurance policy drives my car frequently and is involved in a fatality accident, can I be held responsible"|"In auto insurance, the insurance follows the car. So, if someone is driving your car and causes an accident, then your insurance will respond for damages and injuries caused in the accident. Since the driver is not on your policy, your rates will not be affected, but the record for the driver will indicate an at fault accident.If the person is a frequent driver of your car, the insurance company may ask that they be added to your insurance policy, once they become aware of that driver. If they have tickets or accidents, then the insurance rates will be affected. If you refuse to add the driver, then the insurance company may exclude them as a driver or non renew your insurance policy.Unless the other person is a family member, you should think twice about allowing them to continually use your car, since it is your liability that is exposed if they cause an accident.If the other driver has their own insurance, then your insurance company may not press to add them to your policy, but they still could. "|""|"2013-06-25 14:12:15"|"77802"|"Bryan"|"TX"|"https://insurance.freeadvice.com/insurance-questions/if-a-person-who-is-not-li-2021.htm" "2013-05-24 08:23:17"|"auto-insurance-qa"|"Will company insurance represent me for at fault accident, if I am sued?"|"An auto accident is covered by the insurance company that insures the car involved in the accident. If you were authorized to drive the company vehicle for deliveries, then that insurance company is going to handle the claim for damages to the other car as well as the company vehicle. Your insurance company does not need to be notified. They would most likely decline the claim since you were delivering property, and that is generally excluded under a personal auto policy.If there is a suit from the accident, the company's insurance carrier will defend you in court and will pay any settlement determined to be due by the courts.If the accident is considered to be your fault, your insurance rates on your personal policy could be increased, depending upon the amount of damages caused in the accident, and if there was a police report of the incident."|"Live in GA, driving company vehicle on the clock, delivering company goods. Minor fender bender with no injuries. Told by company insurer did not need to notify my insurance, as this was a company case. Is this correct?"|"2013-05-27 12:56:59"|"30188"|"Holly Springs"|"GA"|"https://insurance.freeadvice.com/insurance-questions/will-company-insurance-re-2016.htm" "2013-05-23 10:32:09"|"auto-insurance-qa"|"Stolen / Recovered car"|"When a are is stolen, and you have comprehensive coverage on the car, the insurance company usually waits for 30 days before offering a settlement. Since you had signed the title over to the insurance company it would seem that the company had accepted the total value of the car. However, if they are balking, then you may need to proceed with the claim as a recovered vehicle.You indicate the car is in bad shape. It is possible it will be considered a total loss and you would still get the actual cash value of the car, which would be the same amount offered by the insurance company.Have the insurance company inspect the car where it was found and see if they agree that it is a total. If they do not agree it is a total, then you need to have them repair the car and have it returned to you. That is a part of their expenses. They may then agree to a total loss and will let the issue resolve itself."|"Car stolen 43 days ago. After 30 days I signed title over to ins. Co. & sent in along w keys and bill of sale. They had not cut a settlement check for me yet. Car was found yesterday in another state in bad shape. I say car is theirs since they have my title. They say car is mine. Whose is it?"|"2013-05-27 19:19:58"|"02492"|"Needham"|"MA"|"https://insurance.freeadvice.com/insurance-questions/stolen-recovered-car-2015.htm" "2013-05-20 20:35:13"|"auto-insurance-qa"|"I'm renting and had dropped coverage on my vehicle the tree in the front yard big limb fell and hit my vehicle my landlord said his house insurance wo"|"If a tree limb falls on your car, the comprehensive portion of your car insurance generally covers your car.Tree limbs are generally considered an act of God so a homeowner is not normally responsible for the damage caused. If there was a storm at the time, that would make it less likely the homeowner is responsible.However, if you or someone had told the homeowner that the limb was a danger, or that the tree was sick or dying, then there could be responsibility by the homeowner for the damages. You can try to talk to the homeowner insurance company to see if they will accept liability for the damage to your car. You can also ask the property owner if they will file a claim under "property damage to others". This generally has a limit of $500, but the homeowner does not have to be proven negligent for this coverage to apply. It will usually not affect the rates of the property owner, but they should find out if it will or not.Without proof of negligence by the property owner, you will most likely not be able to collect for the damage to your car, unless they are willing to make the claim as outlined above."|""|"2013-06-17 16:08:25"|"64052"|"Independence"|"MO"|"https://insurance.freeadvice.com/insurance-questions/i-m-renting-and-had-dropp-2012.htm" "2013-05-20 16:54:06"|"auto-insurance-qa"|"Will full coverage insurance cover if someone else drove the car? In NC."|"For auto insurance the insurance follows the car. In this case where your mother was using your car, your insurance will pay for the damages, presuming you have collision coverage. There is a deductible that will be applied to the damages, but after that, the insurance will pay.Since your mother is not a resident of your household and is not on your policy, your rates will not be affected. However, it is possible that the accident will show up on your mother's insurance and her rates could go up. She will need to discuss this with her insurance company.Report the claim to your insurance company and they will walk you through the process to get your car repaired. If the damages are below your deductible, then there will be no coverage for the accident."|"Me and my husband planned a trip to the zoo with some friends, since there was no space in his car for all of us we borrowed my mothers car and in return we let her borrow ours for a few hours. As she was reversing from her parking spot someone beside her was also reversing this person hit her in the front of the car and just sped off, she made a police report and everything, my question is will my husbands full coverage insurance cover that? It was not her fault and there are cameras who caught the hit. He has full coverage with GMAC insurance. She is not on the policy. Not live in household."|"2013-06-18 14:40:51"|"28212"|"Charlotte"|"NC"|"https://insurance.freeadvice.com/insurance-questions/will-full-coverage-insura-2011.htm" "2013-05-19 22:04:47"|"auto-insurance-qa"|"Complicated"|"In auto insurance the insurance protection follows the car. So in this case your insurance will pay for injuries to your friend and girlfriend. Your insurance company needs to handle this claim as they may feel there is no liability coverage for the driver, but the girlfriend will most likely be covered for her injuries, up to the limits of your policy.Since the friend was not a listed driver on your policy, and does not live with you, your insurance rates will not be affected. However, your insurance company may ask to exclude your friend from the policy for the future. They could also non-renew your insurance, but usually that will not happen if you have otherwise had no claims.If the girlfriend has her own car insurance, she could file a claim under her insurance for her injuries if she has medical payments coverage and/or uninsured/underinsured motorist coverage. Your friend might also be able to collect under his insurance if he has the coverages listed above."|"My question is, The other day a friend of a friend jumped in my cars drivers seat (keys still in the ignition) and told me and my friend if we didn't get in, he was leaving us. so we did, he was driving irresponsibly and on the way home totaled my car, put himself and his girlfriend in the ER.Me an my friend walked away, he and his girlfriend weren't on my policy. So, will my insurance go up because of what this guy did? I only have basic collision and already took care of my cars tow bill and everything, the only thing left is the their hospital bills. is my insurance company even liable?"|"2013-06-18 14:30:29"|"66716"|"Bronson"|"KS"|"https://insurance.freeadvice.com/insurance-questions/complicated-2010.htm" "2013-05-19 15:51:19"|"auto-insurance-qa"|"If i drive my own vehicle for company business and on the way my car damage did my company pay my loss"|"In auto insurance the coverage follows the car. Since it was your car your insurance would be the responsible company for the loss. Since you did not have collision coverage there would be no coverage for your claim.There is no negligence on the part of your employer. You could have asked them to provide you with a rental car to go to the other city, but you decided to drive your own car. Their insurance company will most likely decline coverage since the tire blew out and that could be considered a maintenance issue with no negligence by your employer.The amount you are indicating seems very high considering the fact that you say your car was old. Towing would not be that much and disposal is often not charged to the car owner and the company will simply sell the car for salvage. If you are receiving bills for $60,000 you need to find out why such high costs and you may need help from an attorney to resolve this."|"On 11th May my company sent me to the another city to do some work but on the way the tire of my vehicle popped and car fell into the ditch car was totaled and was towed and disposed off police did't charge for no fault but I suddenly face 60000 dollars damage including my vehicle, tow and disposal fee . Can I ask company to compensate meI have only liability insurance on my old vehicle and not collision insurance"|"2013-06-18 14:36:15"|"84101"|"Salt Lake City"|"UT"|"https://insurance.freeadvice.com/insurance-questions/if-i-drive-my-own-vehicle-2009.htm" "2013-05-18 17:23:09"|"auto-insurance-qa"|"May a policyholder go back in time to correct the specifics of an auto insurance policy?"|"If the insurance in June 2012 was a renewal with your current insurance company, they MAY be willing to go back to the June 2012 date to cancel the insurance on the car. They may ask for proof that the car was sold at that time. If you simply were not using the car, they will most likely deny your request to cancel the insurance. If you had the car as a non-operational car, they may reconsider, but proof again will be required to show it was in non-op status from that time.If they deny the date back to June 2012, they may be willing to cancel the insurance as of February of this year, or at least within 30 days from this date. It is something you will have to work out with your agent or insurance company.Be aware, whatever date is approved, you will lose the multi car discount that you have been receiving on your current auto, so that premium will go up. The savings is around 20% of the premium, so that loss of discount will affect any refund you receive."|" My case is as follows. I received in June 2012 the contract for a new auto insurance policy covering two vehicles. I signed it, and it went into effect in August 2012 and renewed in February 2013. In May 2013, I realized the details about my vehicles were incorrect. I no longer had one of the two cars. Before June 2012, I should have removed from the policy the one vehicle no longer in use. Do I as a policyholder have the right to go back in time, acknowledge my inattention to the specifics of the policy, correct what was in reality the case at that earlier renewal date, change my circumstances, rewrite the policy, gain the benefit of a lower premium, and receive a refund? "|"2013-06-18 14:24:11"|"87505"|"La Cienga"|"NM"|"https://insurance.freeadvice.com/insurance-questions/may-a-policyholder-go-bac-2008.htm" "2013-05-16 13:30:40"|"auto-insurance-qa"|"Motorcycle Insurance Claim "|"When you buy mtorcycle insurance, it is your responsibility to tell your insurance agent or company as to what kind of insurance you want to buy. If you have a loan on the bike the agent should recommend full coverage, but if they were not aware of the loan, they would not necessarily recommend full coverage.Presumably you met with or talked to your agent about the insurance. They should have provided a written quote to you and explained the coverages being offered. You are responsible to review the quote, as well as the policy when it is delivered to you.If you were not given a written quote, the agent was not really doing a very good job for you. You can try to sue the agent for errors and omissions, but it can be very hard to prove. If the policy shows a lender for the bike, that will strengthen your case, but there is no guarantee.You didn't say how long you had the bike, so that issue could affect the situation. If it was over 30 days, the lender should have received a copy of the policy and they should have seen there was no collision coverage. They would have then contacted you and/or the insurance company advising that collision coverage is required. See if there is any correspondence to that effect. If so, then the insurance should have been modified as requested. "|"I recently purchased a motorcycle; title and insured in Texas. I was under the impression that I had full coverage as the motorcycle has a lienholder. I was in an accident; insurance company informed me I only had comprehensive coverage on my bike. I thought it wasn't possible to purchase anything less than full coverage on a vehicle that has a lienholder. Are there any legal grounds or action I can take? "|"2013-08-01 16:37:33"|"78108"|"Cibolo"|"TX"|"https://insurance.freeadvice.com/insurance-questions/motorcycle-insurance-clai-2005.htm" "2013-05-15 18:51:04"|"auto-insurance-qa"|"i got hit on private property, i had no insurance at the time. they did. who pays to get my car fixed if i wasnt at fault?"|"If you were in an auto accident, whether on public street or private property, the driver of the car who caused the accident is responsible for your damages.However, often times police will not make a report on private property. It seems the officer did make a report and named the other driver as being responsible.Even though you did not have insurance, it does not absolve the responsible party from paying for your repairs. You should file a claim with their insurance company for your damages. The insurance company should agree to make the payments since the police report holds their insured as the cause of the accident. If they try to say your lack of insurance makes it your fault, then you need to speak to a supervisor. The failure to have insurance is an issue for the police, and does not affect the outcome of the claim. The other driver still caused the accident."|"i got hit on private property. the police said he could state who's at fault because it was on private property, but in the police report it says she's at fault. she has insurance but i didnt have it at the time i have to get it reinstated friday. what do i do?"|"2013-07-31 09:41:26"|"37814"|"Morristown"|"TN"|"https://insurance.freeadvice.com/insurance-questions/i-got-hit-on-private-prop-2004.htm" "2013-05-13 11:16:21"|"auto-insurance-qa"|"I have a home healthcare business and was wondering what do I need to have in place in order to start receiving personal injury clients?"|"This is not an auto insurance question"|""|"2013-08-13 11:13:34"|"48910"|"Lansing"|"MI"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-home-healthcare--2000.htm" "2013-05-08 19:18:55"|"auto-insurance-qa"|"What am I responsible for paying?"|"If you had an accident that was your fault, you are expected to pay for the repairs to the other person's car as well as any injuries they may have sustained. If you did not have insurance, then you would be personally responsible for such damages and injuries.The other party may file a claim through their own insurance company and they will pay for damages, less the deductible, and any injuries. The insurance company will then, most likely, look to you to reimburse them for the money they paid out.Whether you live in a no-fault state or not, if you cause an accident and are uninsured, you are still responsible for reimbursement to the other driver or their insurance company. No fault does not mean you do not need to have insurance. It is simply a different way of handling a claim, usually based on bodily injury."|"I was in an accident and i didn't have insurance. What am i responsible for paying? My car malfunctioned and I hit another car. I did end up going to the hospital and I know I will be responsible for paying my hospital bills. The other driver was not injured. Michigan is a no fault state but does that apply when I am not insured."|"2013-08-04 16:39:14"|"48809"|"Belding"|"MI"|"https://insurance.freeadvice.com/insurance-questions/what-am-i-responsible-for-1997.htm" "2013-05-08 11:28:33"|"auto-insurance-qa"|"When writing a demand letter, do I write one for myself and one for my son or put it all together for a personal injury claim?"|"you should contact an attorney about this."|""|"2013-08-13 11:13:03"|"77375"|"Rose Hill"|"TX"|"https://insurance.freeadvice.com/insurance-questions/when-writing-a-demand-let-1996.htm" "2013-05-07 12:44:17"|"auto-insurance-qa"|" Auto insurance policy"|"more details needed to answer this properly"|"Was overcharged by Auto Insurance by thousands of dollars. Is there any mechanism to receive my money back? "|"2013-08-13 11:12:25"|"95129"|"San Jose"|"CA"|"https://insurance.freeadvice.com/insurance-questions/auto-insurance-policy-1994.htm" "2013-05-07 11:42:56"|"auto-insurance-qa"|"I am at fault in a minor car accident. Appreciate your help"|"If you cause an auto accident, your insurance company will investigate and pay for the injuries to the other party. Your insurance company will not usually just accept what is claimed by the other party, but neck injuries are hard to determine as to the cause.Your insurance company will pay, up to the policy limits, for the injury sustained. If your limits are not enough, the other driver can file a claim under their insurance policy under medical payments (if they have that coverage) and/or under uninsured underinsured coverage. If the injuries exceed all of those options, then you could be held personally responsible for the remaining balance.It is a good sign that the other driver is getting a second opinion since the second doctor could determine that surgery is not required. However, let your insurance company handle this claim. Do not offer to settle on your own for a lower amount, as the other driver could still come back claiming pain or needing more, and your insurance company would not be willing to defend you if you interfered with the claim."|"The opposite person had no issues at time of accident. There was only a minor rear bumper dent. After 5 days he says he has neck pain and doctor is suggesting a surgery. I don't believe this has to do anything with the accident. Insurance company says my coverage might not be enough to cover the cost of surgery and wage replacement,etc. He is saying before surgery he wants to get an second opinion.The opposite person hasn't filed any claim or anything but I wanted to know what can I do in this situation and what are my rights. What happens if claim is more then my liability coverage?"|"2013-07-31 09:29:51"|"20878"|"Darnestown"|"MD"|"https://insurance.freeadvice.com/insurance-questions/i-am-at-fault-in-a-minor--1992.htm" "2013-05-06 22:18:02"|"auto-insurance-qa"|"if I have full coverage and my car is stolen and I give them all info but still act rude,no rent a car and still give me the run around. "|"If your car was stolen and you had comprehensive coverage, the insurance company will ca arrange a settlement with you for the actual cash value of the car.In a car theft, the insurance company will wait 30 days before settling, to give time for the car to be found. This is standard for all car insurance, and is stated in the auto insurance policy. However, the insurance company is usually willing to provide for rental car coverage while waiting to settle. Some insurance companies will not pay in advance for the rental car, but will reimburse you.Talk to the adjuster about the rental car coverage. See if it will be reimbursed when the claim is being settled. That may clear that portion of the claim up for you. Sometimes the adjuster wants to be sure the claim is valid, and will ask for some information. You don't say how long you have had the car, and how long you have been with the insurance company. Those two factors can make an insurance company suspicious if the car is new and/or the insurance is new. If you feel the offer for the car is too low, it is up to you to prove the value of the car. It really doesn't matter what you paid for the car, the insurance company will only pay the current actual cash value of the car. You can check local costs, get a value from a car dealer, or check Kelly Blue Book. "|"this happened one month ago still nothing has happened I payed 12,500 only had 116,000mil they quoted it to be $5,200.00 to get back if they don't deny the claim. car payed off but they make me fill like they are pointing the finger at me, asking for pg&e, phone records,bank account info and more I am a fended what should I do "|"2013-07-31 09:35:46"|"93727"|"Fresno"|"CA"|"https://insurance.freeadvice.com/insurance-questions/if-i-have-full-coverage-a-1990.htm" "2013-05-03 12:20:58"|"auto-insurance-qa"|"My wife backed one of our cars into the other car. Should we contact our insurance company or repair the damage ourselves?"|"If your wife backed into another car, then she is responsible to repair the other car. If there was no one in the other car, you can consider paying for the repairs to the other car. However, handle this carefully - get a written estimate from the repair shop the other driver chooses. Agree to pay for the repairs and make sure they agree with this solution. If the damage is extensive, you may want to reconsider and let your insurance company handle the settlement of the claim.If the other driver was in the car at the time of the accident, you should submit the claim to your insurance company. The other party could decide at a later date that they were injured. If you try to settle the claim on your own, and they decide they were injured, your insurance company will decline to settle the injury since you would have already jeopardized their standing in the incident."|"One car has minimal damage but the 2nd car, which is a 2008, has one door pushed in and a 2nd door dented."|"2013-08-04 16:43:51"|"12065"|"Clifton Park"|"NY"|"https://insurance.freeadvice.com/insurance-questions/my-wife-backed-one-of-our-1986.htm" "2013-04-29 08:02:24"|"auto-insurance-qa"|"If you let your unlicenced teen drive your car while you are presently in the car teaching them to drive and there is a accident will your insurance "|"While you should not allow an unlicensed person to drive your car, if you have done so and they cause an accident, then your insurance company will pay for the damages to the other car in the accident. If you have collision coverage, it will pay for your damages, less your deductible.Since the teen driver is a member of your household, the insurance company may increase your rates. However, they may wait until the teen driver gets their permit or license since they are currently not listed on the policy. If you don't have the teen obtain a license or permit, the insurance company may exclude the driver until they are properly licensed or permitted. It is possible the insurance company will non-renew your insurance, but if you have been a customer for a longer period of time, they will most likely just increase the rates and keep your insurance in force. Talk to your agent or insurance company about their plans in handling the situation."|""|"2013-08-04 16:50:33"|"30132"|"Dallas"|"GA"|"https://insurance.freeadvice.com/insurance-questions/if-you-let-your-unlicence-1974.htm" "2013-04-25 20:22:58"|"auto-insurance-qa"|"If I hit a parked car, is the owner obligated to give me his insurance information?"|"If you struck a parked car, the insurance for the other car is really not an issue for this accident. There really is no reason for you to expect them to give you this information. He has no legal responsibility to provide you with this information.You need to contact your insurance company and report the claim so they can contact the other party to settle the cost of repairs. If they need insurance information, they can ask the other party for this information while working with him.If you are not planning to report the claim to your insurance company, then again the issue of insurance for the other party is not a part of your accident. You can ask the other party to get an estimate for the repairs and see if you want to pay for the damages yourself. If you think it is too high, or have issues about the damages, then you will need to go to your insurance company and file a claim."|"I backed into a neighbors van and he won't give me his insurance information. Is he legally obligated to give me this information?"|"2013-10-21 16:12:34"|"90242"|"Downey"|"CA"|"https://insurance.freeadvice.com/insurance-questions/if-i-hit-a-parked-car-is--1970.htm" "2013-04-25 19:50:05"|"auto-insurance-qa"|"Would my insurance pay for medical bills from an accident that was not my fault?"|"If a passenger in your car is injured due to another driver's fault, the other driver's insurance should pay for the injuries to you and the other person in your car.If the other driver does not have enough insurance, you can see if you carry medical payments coverage under your policy. If so, you can obtain additional money from that coverage up to the limits shown. Finally, your insurance should include uninsured/underinsured motorist coverage. This will too pay for injuries caused by the other driver, up to the limits of this coverage. In addition, if your passenger has car insurance, he can see if he can collect under his medical payments coverage and also under uninsured/underinsured motorist coverage. Of course, these will only pay to cover the injuries, not usually any additional money for pain and suffering."|"I was hit from behind while at a stop light, my car totaled. It is now in the hands of my lawyer and I wanted to know if my insurance company pays any of the medical bills for my friend who was in the car with me and had minor injuries?"|"2013-12-21 11:37:13"|"02816"|"Coventry"|"RI"|"https://insurance.freeadvice.com/insurance-questions/would-my-insurance-pay-fo-1968.htm" "2013-04-22 09:13:00"|"auto-insurance-qa"|"I just brought a car on 4/10/13.My car was stolen on friday, I only have libility insurance did I just give my car away?"|"If you buy a car and already had a car insured, but have not advised your insurance company of the purchase, then the new car will be covered in the same manner as the previous car. This means that if you had only liability coverage on the existing car, then you will have only liability coverage on the new car until you talk to your insurance agent and decide what coverage you want on the new car.If this was a new car and new insurance, you needed to talk to your insurance agent about starting up the insurance on the new car. If you elected liability only on the car then that is the only coverage you had. You cannot go back to cover the car after there has been a loss. Unfortunately, the insurance company cannot compensate you for the loss of the vehicle if you did not purchase comprehensive coverage on the car.Whenever you buy a car you need to decide if you can afford to lose the car to theft or accident whether you have had the car for 10 days or 5 years. It is a decision you must make based on your financial situation and needs. Comprehensive insurance is relatively inexpensive and if your car is worth over $3,000 you should consider this coverage."|"will the insurance company give me anything towards another car if my car is not found?"|"2013-04-22 13:21:01"|"19139"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/i-just-brought-a-car-on-4-1963.htm" "2013-04-21 22:18:42"|"auto-insurance-qa"|"Can I come in to a State Farm office during office hours and have someone print me off my proof of insurance?"|"If you have auto insurance with any insurance company, you can go to the office of the company or your agent to get a copy of the proof of insurance. You can also call them at the after hours center, usually 24/7 and ask that a proof of insurance be faxed, mailed or emailed to you. They can also send the information to a car dealership if you are purchasing a new car and need proof of insurance on the new car. It is usually a very quick process if you elect to go to your agent's office during their regular business hours. You might call ahead so it is ready for you when you arrive, in case they are busy or have other clients in the office at the time.If you need this information for the Dept of Motor Vehicles, the insurance company can usually take care of this for you by sending it directly to the Dept of Insurance. This can also be do electronically by the insurance company. In fact, many states have electronic proof sent to the Dept of Motor Vehicles eah renewal of your policy. In addition, they also advise them if the insurance is cancelled."|""|"2013-04-22 10:10:28"|"97229"|"Cedar Mill"|"OR"|"https://insurance.freeadvice.com/insurance-questions/can-i-come-in-to-a-state--1962.htm" "2013-04-17 20:13:51"|"auto-insurance-qa"|"Can an insurance company have my license suspended?"|"In auto insurance, the insurance follows the car. In this case, the owner of the car that you were test driving would be responsible for the accident, even though you caused it. You need to contact the owner of the car and have them report the claim to their insurance company.You should also speak to the other insurance company and give them the name and information of the car owner. Explain that you were not, and are not, the owner of the car and that they need to contact the owner for coverage.If the car was not insured, you should contact your insurance company and report the claim to them, you might even do this now, just to put them on notice. You could be held responsible if there was no insurance on the car through the owner.While each state is different, the insurance company does not have the authority to suspend your license, but they could contact the Dept of Motor Vehicles and advise that you may not have insurance."|"I was going to purchase a vehicle. The person told me I could test drive it and take it to my mechanic. On my way there, the tire blew and caused me to pull into the other lane. A vehicle struck me. He was speeding in the fast lane and tried going around me infusing of stopping (crash occurred on shoulder of highway). The vehicle was not mine, the guy said it was insured, but I didn't have proof. The vehicle was never in my name. Now the insurance company of the other driver is saying I owe them money or my license will be suspended. They have not even sued me for me to fight the claim. "|"2013-04-18 11:50:22"|"48324"|"Orchard Lake"|"MI"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-company--1957.htm" "2013-04-16 11:11:02"|"auto-insurance-qa"|"If I was hit from behind and the other driver was totaly at fault and my car was totaled and the other drivers insurance only wants to pay book price"|"If your car is struck by another driver and the car is considered a total loss, the insurance company is only responsible to pay you the current actual cash value of the car, which is the book value you are referring to.Unfortunately, it is difficult to get the insurance company to change its valuation of your car. However, if you can find a similar car in your area that is of a greater value than the amount being offered, you can use this to support your case for more money. You seem to think you can't buy the same car for the money offered, so you have to prove it. However, the insurance company will not buy you a car. It will only provide you with the value of your previous car. You will have to purchase the car on your own.You can also find local ads for a similar car to back up your request for more money. Again this is all your responsibility to provide to the insurance company. If you cannot get the adjuster to increase the offer, then ask to speak to a supervisor who may be willing to increase the offer on your car."|"for my car can I make them replace the car with a simular car of equal value instead of taking the book price money? Their insurance company only wants to pay $1980. book price for my totaled car but that amount won't replace my car so can I make them replace the car instead of excepting the $1980. I don't want the money, I want the car replaced with a simular car with the same condition and value."|"2013-08-08 14:42:38"|"44055"|"Lorain"|"OH"|"https://insurance.freeadvice.com/insurance-questions/if-i-was-hit-from-behind--1956.htm" "2013-04-13 13:07:02"|"auto-insurance-qa"|"I have full coverage car insurance with Grange, my grandson has only liability on his car with another carrier can he drive my car and be covered?"|"Auto insurance follows the car, not the driver, so your grandson will be covered under your auto insurance policy if he is driving your car. This will apply presming he is not excluded from your policy. It is unlikely that he would be excluded unless he lives with you. You should check with your insurance agent or company to confirm that unlisted drivers, or someone who might borrow your car, is covered.If he does have an accident in your car, your liability coverage will pay for any damage or injuries to the other party or their vehicle. Your collision coverage will cover your car, less the deductible. Your grandson's insurance will not come into play for the accident.If he is not a listed driver on your policy, your rates will not be affected if he does cause an accident. However, his rates may increase on his insurance, since he would have a chargeable accident."|"Full coverage with grange on my car, grandson has only liability with his car with another carrier is he allowed to drive my car and be covered?"|"2013-04-14 14:14:44"|"44266"|"Black Horse"|"OH"|"https://insurance.freeadvice.com/insurance-questions/i-have-full-coverage-car--1955.htm" "2013-04-11 15:20:40"|"auto-insurance-qa"|"loss of use "|"If you were involved in an auto accident that was the fault of the other driver, that insurance company is responsible for your repairs to your car. While the claim is being settled, the other insurance company should pay you for a rental car. The rental car may not be as large as your car, they only have to provide transportation. If the car is a total, they need to complete the settlement with you.The rental car coverage should be paid for by the insurance company until they issue you a check for the total damage of your car. If they have offered you a sum of money, but have not provided payment, they still need to give you a rental car. However, once the check is issued you are on your own for a rental car, even if you have not yet purchased a replacement car."|"Hi I got involved in to an accident recently (i was rear-ended), and the insurance of the driver at fault had accepted liability. My car was determined a total loss. During the process I requested the insurance for "loss of use" and i was told the insurance will cover only from the date of the accident until the loss was determined by the insurance, not until the final settlement of the claim. I am still without a car, and the insurance is still processing the claim. And I won't be covered for any day after determination of the total loss by the inurance. Is this legally correct in Colorado. I don't know where to turn to and the insurance couldn't give me any different answer. Please help!"|"2013-04-14 14:20:25"|"80231"|"Denver"|"CO"|"https://insurance.freeadvice.com/insurance-questions/loss-of-use-1954.htm" "2013-04-11 10:53:36"|"auto-insurance-qa"|"Can I claim the photographs and the video of the birth of my son that were destroyed in an auto accident as lost property?"|"If you had personal property damaged or destroyed in an auto accident, the insurance company covering the responsible party will usually pay for the value of that property. However, photos and videos in the camera are difficult to determine a value on and most insurance companies will deny coverage for this damage. The value to you is much more than could be determined by the insurance company. Even you can't determine a value of the photos.You can talk to the adjuster and see if they will offer any type of settlement for these items, but it most likely they will deny the claim and you will be hard pressed to be able to recoup anything for these. Even if you filed a claim in small claims court, you again would have to determine a value of the property and the courts may find it difficult to come to a settlement in your favor. "|"A man smashed into me going 60 mph while I was stopped at a red light. Both cars were totalled and the accident was immediately determined his fault. The camera exploded in the accident. The insurance will reimburse for cost of camera but they are balking at the video and photo claim. What can I do? I took the memory card in and the techs determined the photos/video were unrecoverable. And how do you value the photos?"|"2013-08-14 15:32:19"|"90815"|"Long Beach"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-claim-the-photograp-1952.htm" "2013-04-09 14:24:51"|"auto-insurance-qa"|"Why is Infinity Insurance allowed to do business in California when infinity's record is so FRAUDLENT?"|"this really is not an insurance question. Contact Dept of Ins."|""|"2013-04-11 13:20:30"|"95834"|"Sacramento"|"CA"|"https://insurance.freeadvice.com/insurance-questions/why-is-infinity-insurance-1950.htm" "2013-04-08 23:03:42"|"auto-insurance-qa"|"How much to counter offer for insurance settlement? need advice"|"You need to contact an attorney. This isn't an insurance question."|"I was involved in a motorcycle accident a year ago, a car turned in front of me and crashed. i received a small broken bone in my foot that didn't require a cast, also i hit my head during the wreck and suffered a concussion resulting in ongoing headaches over the past year, i am on medication to stop the headaches and have been told by the doctor that this might be a life long medication. My bills came out to about 6000 in medical bills. they offered to pay all the medical as well as an addition $6500 in pain and damages. should i counter offer for 18000 or more which is 3x specials. thanks."|"2013-04-11 13:21:15"|"50111"|"Grimes"|"IA"|"https://insurance.freeadvice.com/insurance-questions/how-much-to-counter-offer-1949.htm" "2013-04-06 19:14:20"|"auto-insurance-qa"|"If I am responsible for an accident and it hasn't been settled yet, and I die....does the insurance still cover the liability if the premiums stop?"|"If you have insurance in place at the time of an accident, and the insurance lapses or expires later, you are still covered for the accident.If the car is still owned by your father's estate or by you, you should keep the insurance in force. You can cancel it once the car is sold. This is recommended since the car could still be driven so insurance should remain in force. If the car is a total loss, you can cancel the insurance effective the day after the accident. Make sure the insurance company has deemed it a total loss before you cancel. You can backdate the cancellation, so you don't have to do this immediately.Contact the insurance agent or company to advise them that you are now the contact for the settlement of the claim. If your father died as a result of the accident, you should advise them of this fact as it will affect the settlement process."|"Auto accident. My father's responsible. Not yet settled. He died last week. Can we stop the insurance payments without his liability coverage for the accident (last year) lapsing? Is his estate responsible if the claim is more than his coverage?"|"2013-04-09 09:22:13"|"10804"|"New Rochelle"|"NY"|"https://insurance.freeadvice.com/insurance-questions/if-i-am-responsible-for-a-1948.htm" "2013-04-05 19:41:37"|"auto-insurance-qa"|"I was hit by a car with no insurance, but I am the at fault driver."|"If you caused an accident, then you and your insurance company are responsible for the damages and injuries caused in the accident. Even if the other driver was not licensed, you are responsible. The other driver probably will face fines from law enforcement for failure to carry insurance, but it does not change the fact that you caused the accident. The fact that he was on the road really doesn't absolve you from responsibility and really had no cause for the accident.Contact your insurance company and file the claim for the damages to the other party's car. If you do not have physical damage, or collision coverage on your car then you will have to pay for the repairs to your car. Your rates will also probably increase since you caused the accident. Talk to your agent or insurance company to see what the accident will do to your rates."|"Hi, my daughter was involved in an accident an will be found to be at fault (she pulled out into traffic and got hit). I only have liability coverage on the car involved in the accident. The person who hit her does not have insurance. Will I be able to recover any money for my car as the other guy did not have insurance, and as such really should not be on the road."|"2013-04-08 11:21:37"|"47111"|"Charlestown"|"IN"|"https://insurance.freeadvice.com/insurance-questions/i-was-hit-by-a-car-with-n-1946.htm" "2013-04-04 15:08:18"|"auto-insurance-qa"|"How long are you covered under dealership insurance?"|"When you buy a vehicle you should be sure it is insured before you take it off of the lot. Most insurance companies have 24/7 numbers you can call to get coverage placed, even if it is a holiday or weekend. Rarely do dealers provide coverage on the vehicle unless you purchased the insurance through them. If you own a similar vehicle (car or bike) then the insurance from the existing vehicle does provide coverage for a period of 5-20 days, depending upon the insurance company. However, the insurance matches the existing policy. Since you did not have physical damage on the existing bike, then the new bike would not have that coverage until you call your agent or insurance company. You obviously needed full coverage since the bike was financed, but since you didn't tell your insurance company, there is no coverage on the new bike for physical damage. The dealer probably should have asked you about insurance before letting you drive away, but it is not their responsibility to provide the coverage."|"Bought a new motorcycle and financed at the dealership. Three days later had an accident and had not added to my insurance policy yet. Would the dealership cover the accident or my insurance policy? I'm getting the run around from dealership and my insurance. Have full coverage on a vehicle and liability on an older motorcycle. My insurance co is saying it would only be liability but if since the cycle is financed, wouldn't I need full coverage?"|"2013-04-08 11:16:17"|"92058"|"Oceanside"|"CA"|"https://insurance.freeadvice.com/insurance-questions/how-long-are-you-covered--1945.htm" "2013-04-03 08:46:37"|"auto-insurance-qa"|"I want to cancel my claim and pay out of pocket but I'm being told it will increase my insurance anyway."|"If you reported a claim to your car insurance company and then tried to withdraw it, the insurance company can consider this as a claim and it can affect your insurance rates.You indicate you did not have the insurance with the car rental company, but do have a $500 deductible. That would mean your insurance company would have paid the difference between the damage and the deductible, which is $543.50. Most insurance companies do not increase your rates if the damage they pay out is below a certain amount. This amount varies by state, but you should ask your agent or insurance company what that figure is. It is possible that the figure is above the $543 amount and your rates would not increase whether or not you or the insurance company pays for the damage.You also need to be sure that the rental car company will settle for the amount of damage as sometimes they will charge you for the time the car is out of service due to the damage."|"I was recently in a no fault accident in a rental car whereby the car was hit by a runaway shopping cart on a blustery day. The total bill was $1043.50. My deductible is $500. I reported it to my insurance company as I did not purchase the rental company insurance. I was going to cancel the claim when I got the bill and just pay the remaining balance out of pocket. My insurance company is saying that even if I cancel the claim this will increase my insurance by $400 per year since they now have record of this incident. Can they do this legally?"|"2013-07-03 12:48:35"|"33189"|"Cutler Bay"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-want-to-cancel-my-claim-1942.htm" "2013-04-02 13:47:56"|"auto-insurance-qa"|"car was stolen and totaled, now my insurance is offering me a 8100 for the car and the average around my area for the same car is 10000,what can i do "|"If your car is stolen and is considered a total loss, the insurance company will offer the actual cash value of your car less your deductible. If you have a high deductible, you need to consider it as a part of the offer.The insurance company often uses the Blue Book to value a car. That could be inaccurate depending upon the area where you live and the popularity of the car in question. They should also check local values, but it is up to you to prove there is a difference in value.If you do not agree with the settlement offer, it is up to you to prove the value of your car is higher than offered. You can do this by providing local newspaper ads or ads online that show the value of the car. The ads need to be in the area where you live, since values can fluctuate. Also, the mileage and condition of the car needs to be considered in its valuation. Photos of your car could help you prove its condition prior to it being stolen. If you still cannot get a satisfactory offer from the adjuster, ask to speak to a supervisor and again present your side of the story. See if they will amend the offer made for the car."|""|"2013-07-03 12:43:06"|"33010"|"Hialeah"|"FL"|"https://insurance.freeadvice.com/insurance-questions/car-was-stolen-and-totale-1939.htm" "2013-03-31 18:15:30"|"auto-insurance-qa"|"will insurance cover my new tires and stereo equipment in a total wreck?"|"In auto insurance, the insurance follows the car. If you were not the owner of the car, then the insurance policy for the car owner will cover the damage to the car, presuming they have collision insurance on the car. The collision deductible will also apply to any damages.Your girlfriend needs to report the claim to her insurance company. They will investigate, work with the repair shop to repair the car and settle the claim. The rates for your girlfriend should not be affected, since you are not on her insurance policy. However, if you have a separate insurance policy your rates could go up due the accident, if you are determined to be at fault.If the car was a total loss, the insurance company will pay your girlfriend the actual cash value of the car, less the deductible. They may consider the cost of the stereo equipment, but not likely the tires. The actual cash value will be determined by local costs, Kelly Blue Book and other sources that may be available."|"A man with road rage tried to hit me with his truck and i swerved and lost control and flip the suv i was in.its my girl friends suv and Im not on the policy. they didn't catch the guy and i wasn't issued any tickets.what will be the out come in your opinion ?"|"2013-10-16 12:46:18"|"12182"|"Lansingburg"|"NY"|"https://insurance.freeadvice.com/insurance-questions/will-insurance-cover-my-n-1934.htm" "2013-03-25 15:57:35"|"auto-insurance-qa"|"Can I sue the driver of my vehicle if he causes an accident which the police render him negligent?"|"In suto insurance the insurance follows the car, so even though your firend was responsible for the accident, your insurance company should cover you for the damages caused by your friend. State Farm does not have a designated driver policy, so they should be accepting liability for the accident, unless your friend was specifically excluded from the policy.Contact your agent and ask them to help you determine why your company is denying coverage. If there is a "paperwork problem" your agent should be able to assist you in this area as they should know if the policy was in force and paid.If the company still denies coverage, the other driver should go through his insurance to get his car repaired and let his insurance company come after you and your insurance company. If the other driver calls again tell him to talk to his insurance company. If you go to court, then your insurance company will have to defend you, unless there was no policy in force at the time of the accident."|"I have State Farm insurance. A friend used my vehicle with my permission and caused an accident. The police ruled he was 100% at fault. When I wen back to my insurance, they wouldnt cover it because of a paperwork snafu. The friend put it under his insurance, but they wont cover it either. I am now being sued by the other driver. Can i sue my friend in small claims court for the amount Im out of pocket over this? I have the police report where he states it was his fault. "|"2013-03-28 09:49:38"|"18054"|"Green Lane"|"PA"|"https://insurance.freeadvice.com/insurance-questions/can-i-sue-the-driver-of-m-1928.htm" "2013-03-24 07:52:29"|"auto-insurance-qa"|"Overcharged on auto insurance. Can we get a refund?"|"If you were overcharged on your insurance due to a rating error by the insurance company, you are entitled to a refund for the time period involved. You should ask your agent to contact the company to arrange the refund.Some insurance companies are reluctant to go back four years, but there was no way you would have known about the rating error, since the policy usually does not provide the information in layman's terms.If the insurance company does not want to go back to the start of the error, you should first ask to speak to a supervisor. If that is not successful you may need to contact the Dept of Insurance to assist you in getting the appropriate refund.It is always in the best interest of the policyholder to review their insurance with the agent at least once every two years, or even every year. You may be missing out on discounts or changes that can save you money."|"My son was driving our car in 2008 when it was wrecked by a blowout. Our insurance company had my husband listed as the driver and our insurance went up $1200 a year. When my husband talked to our agent about getting our premium lowered, he mentioned that the wrong drivers name was on their records. Our insurance dropped the $1200/year immediately. Can we get back the $4800 we were overcharged?"|"2013-03-25 14:39:46"|"37412"|"Chattanooga"|"TN"|"https://insurance.freeadvice.com/insurance-questions/overcharged-on-auto-insur-1925.htm" "2013-03-23 20:24:08"|"auto-insurance-qa"|"Can I purchase insurance on a car that isn't titled to me?"|"Auto insurance should be written in the name of the registered owner of the car in question. If you are a regular driver of the car, you should e listed as a driver on that policy and the rates are based on your driving record, age and marital status. If you insure a car that you do not own, and have a major accident, the insurance company can deny coverage since you do not have an insurable interest in the car.If you are listed as a driver on a car owned by someone else, it is their liability that is exposed in the event of a loss. If this person is not a family member, they should carefully decide if they want to have that exposure. An alternative would be to title the car to you, and if you owe them money, they can be added as loss payee on the policy. They should also require you to have physical damage coverage on the car, so they are protected if you have an accident that damages or totals the car."|""|"2013-03-27 12:00:18"|"37128"|"Murfreesboro"|"TN"|"https://insurance.freeadvice.com/insurance-questions/can-i-purchase-insurance--1923.htm" "2013-03-22 21:57:35"|"auto-insurance-qa"|"my insurance company wrote me and the repair shop a check for hail damage for 3200.00"|"If you have a check from the insurance company that is payable to you and the repair shop, but had to pay the repair shop with your own check, you should be able to get the repair shop owner to sign the check and let you take it to your bank. Make sure that your bank will let you cash or deposit the check in your account once it is endorsed by your repair shop.They may hold the amount until the insurance company clears the check.If your bank will not accept the check, talk to the repair shop owner and see if he will take the check and reimburse you. The employee should have accepted the insurance check and if he wasn't sure, he should have called the owner or spoken to someone in charge. It can't be the first time an insurance check has been presented for payment of repairs.If there is a problem, contact the insurance company and tell them you had to pay the repair shop with your own check and ask if they will reissue the check in your name. They may find out the repair costs and may not reissue in the same amount that they originally issued it."|"My repair shop did the job for 1800.00, When I went to pick up the car the shop owner was not there and I the clerk would not accept the insurance check.. I had to write a personal check. Now what am I to do? "|"2013-03-28 13:14:36"|"70056"|"Gretna"|"LA"|"https://insurance.freeadvice.com/insurance-questions/my-insurance-company-wrot-1922.htm" "2013-03-21 09:34:02"|"auto-insurance-qa"|"The insurance company of the person who crashed my car wants to keep my replaced parts off my car. Is this normal, legal, can I deny such?"|"If your car was damaged due to an accident that was not your fault, the other insurance company is responsible to repair your car. If parts are replaced, the insurance company is generally the owner of the parts, since they paid for the replacements.It seems odd that the insurance company would want to keep the parts if they are damaged. You could discuss this with the adjuster to see why they are requiring the parts be given to them. It may be a requirement of the insurance company to make sure the parts were actually replaced. Ask for clarification from the adjuster, and see if they might give the parts to you, or charge a small fee for the parts.Often times the repair shop simply disposes of the parts for the insurance company. Ask your body shop what the standard procecure is for this insurance company. They may be able to solve the question."|"I was involved in an accident, a minor rear end collision of which I was the car in front, and not at fault. The insurance company of the person who caused the accident is paying the damages on the vehicle. I took them an estimate from a local well known body shop and the adjuster mentioned to me that I must hand in my old parts to the insurance company. I would like to keep them instead, does the adjuster have legal jurisdiction to do such? "|"2013-03-25 14:45:08"|"00907"|"Bda Figueroa"|"PR"|"https://insurance.freeadvice.com/insurance-questions/the-insurance-company-of--1920.htm" "2013-03-17 11:29:26"|"auto-insurance-qa"|"what is the average pain and suffering settlement amount in Virginia if injuries are bruised ribs and the other person was at fault for the accident"|"talk to a lawyer "|""|"2013-03-18 09:38:22"|"24211"|"Abingdon"|"VA"|"https://insurance.freeadvice.com/insurance-questions/what-is-the-average-pain--1913.htm" "2013-03-15 16:58:35"|"auto-insurance-qa"|"I want to know how much i should receive from the insurance company as a settlement for my motorcycle accident. "|"contact a lawyer - "|"The accident was not my fault, i was taken to the hospital by ambulance, and the bike was totaled."|"2013-03-18 09:38:08"|"32701"|"Altamonte Springs"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-want-to-know-how-much-i-1911.htm" "2013-03-15 11:36:16"|"auto-insurance-qa"|"I own an older car with a lot of miles on it , I was hit which totaled the car. We had rebuilt the motor & transmission planning to drive it for years"|"If your older car was totaled due to an accident caused by another driver, the insurance company is only required to pay you the current actual cash value of the car. This is determined by local prices, Kelly Blue Book and other sources to determine the value of the car.If you had replaced the engine and transmission in your car, this could increase the value, but not to the cost of the repairs you made to the car. You can try to negotiate with the insurance company, but they are not required to pay more than its current cash value.You may be able to work out a deal to buy the salvage of the car back from the insurance company and pay to repair it and reinsure it. This will further reduce the value of the car, but it may be an affordable option for you if you feel the car will be safe if it is repaired. If the engine and/or transmission were damaged in the accident, this would not be to your benefit to purchase the car."|"Does that help us in the value of the car?"|"2013-10-16 12:39:08"|"64772"|"Camp Clark"|"MO"|"https://insurance.freeadvice.com/insurance-questions/i-own-an-older-car-with-a-1910.htm" "2013-03-13 14:11:35"|"auto-insurance-qa"|"Can I ask from the at fault insured's insurance company payment of my auto ins deductible? My auto was totaled, I was not at fault."|"If your car was damaged by another party the insurance company for the other party should pay for the repairs of your car, or the actual cash value of the car if it was considered a total loss.If you went through your insurance company for the repairs or settlement of the car, then your insurance company will pay you for the actual cash value of your car, less your deductible. When the claim is settled with your, your insurance company will go to the other insurance company to get reimbursement for the amount of the damage to your car. If they are successful, you will get your deductible refunded by your insurance company.If the other company refuses payment, or only offers a partial payment reimbursement to your insurance company, you will get a reduced refund of your deductible. Your adjuster should have explained this to you while settling your claim.You should be able to contact the subrogation department from your insurance company to see about the status of your claim. This portion of a claim can take time, so you may have to be patient in obtaining your deductible refund."|""|"2013-03-18 09:37:52"|"60453"|"Oak Lawn"|"IL"|"https://insurance.freeadvice.com/insurance-questions/can-i-ask-from-the-at-fau-1906.htm" "2013-03-12 18:00:43"|"auto-insurance-qa"|"insurance coverage for a new driver"|"If there is a licensed driver in the household, and they do not have other insurance through another car or insurance company, your insurance company can add the driver to your policy. You probably should have asked about the cost without revealing that she is already licensed, but would soon be licensed. This could have saved you soome time to work our the finances.Since your daughter is licensed to drive, she is a possible driver in the household. If you do not add her to the policy, then the insurance company can choose to exclude her from your policy. You don't want to exclude her, since she may drive the car occasionally.Talk to the agent. See if you are receiving all of the discounts available for your daughter. If there is only one car in the household, she would be considered an occasional driver, not a primary driver. If she has good grades, she would be eligible for a good student discount. Some companies also offer discounts for taking drivers education. Meet with your agent to go over all of the discounts you can get."|"my 17 year old daughter just passed her license test 2 days ago. i told her she couldnt drive my vehicle until she pays the insurance. i went on line to find out an approximate amount it would be when i add her so that she can know what she will be paying. they added her to my policy and will be deducting the new amount in a week and a half. so my insurance went from $35.00 per month to $221.00. i told them i wasnt ready to add her but they refuse to take her off my policy because she is over 16 and licensed. she wont be driving my vehicle, why do i pay?"|"2013-03-18 09:44:23"|"01906"|"Saugus"|"MA"|"https://insurance.freeadvice.com/insurance-questions/insurance-coverage-for-a--1904.htm" "2013-03-07 15:16:24"|"auto-insurance-qa"|"My parked car badly damaged by hit & run driver on city street, claim denied."|"Each insurance company has its own ways of payments being processed and accepted. Most do have a grace period, but it varies. They are also required to send a notice of cancellation if payment is not received by the due date, and that notice is to give you a final date of payment.You only paid 1/2 of the premium when due. You apparently then sent payment during the cancellation period. Payments must be received by the due date. A postmark usually is not acceptable as payment. The check would have been cashed since payments go to a lockbox and are not reviewed by anyone until after the fact. Just because the check was cashed it does not mean your insurance was reinstated.Check on the cancellation date and if your payment was received after the cancellation date, the insurance company can deny your claim. You can talk to your agent or insurance company but they may deny the reinstatement."|"I parked my car on a city street in front of friend's house and car pooled with my friend to an event. Came back later in evening and found out my car was hit by a hit & run driver going at least 40. My insurance denied my claim due to renewal payment not received on time. I mailed half of my premium due in the beginning of the month and sent in the second half days before the premium due date. It was postmarked on the day due and bank showing the check was cleared. I am in a financial mess now with no car and is their any recourse? Any grace or in this matter. What can I do?"|"2013-12-14 16:55:00"|"53188"|"Vernon"|"WI"|"https://insurance.freeadvice.com/insurance-questions/my-parked-car-badly-damag-1896.htm" "2013-03-06 16:36:08"|"auto-insurance-qa"|"Possible denial of claim due to new vehicle purchase and transfer of policy to new vehicle."|"If you purchase a new car that replaces the old car, the insurance on the new car is usually automatically covered for a period of time. Each insurance company is different, but the time is usually between 10 and 30 days. The insurance on the new car is the same as the previous car until you actually contact your agent to request any change in coverage.The transfer of insurance needs to be done by you with your insurance company or agent. Advising the car dealership of the change does not make any change automatic unless your insurance is through the dealership, which is very unlikely. If you did not contact your agent or company and you are beyond the time frame of automatic coverage, the insurance company can deny any claim to the new car.If your car was not insured at the time of loss, you need to contact your company immediately since it has been recovered. If there was damage to the car due to the theft, your insurance company may deny coverage for the claim and may require you to repair the car before they will insure it."|"If I buy a new vehicle and transfer the insurance from the old vehicle to the new vehicle via the auto dealership and suffer a loss theft within 30 days can my claim be denied even though i got a certificate of insurance from the dealer with the policy number and was able to obtain a vehicle registration. also current on payments to the insurance company? also vehicle was recovered the same day."|"2013-10-16 12:34:01"|"48239"|"Detroit"|"MI"|"https://insurance.freeadvice.com/insurance-questions/possible-denial-of-claim--1894.htm" "2013-03-03 22:30:10"|"auto-insurance-qa"|"I was in a motorcycle accident with a rental car which was being driven by a Korean national with no insurance, how do I get reimbursed?"|"If you were in an accident with a driver of a rental car, it is difficult to resolve the accident since the driver left the country.Since you have a police report, it should indicate who was driving the car. Take that information to Hertz and see if the driver on the contract is the same person. If so, then Hertz is responsible for the damages to your car. They can charge the driver under his credit card information. If the driver is different, you may have trouble obtaining reimbursement from Hertz.If they still refuse to repair your bike, you can take Hertz to small claims court, and if you win you will be reimbursed. Since you don't have coverage on the bike, there is no recourse through your insurance company. If you can't win in court, then you will have to pay for the repairs yourself."|"The police report states the driver of the rental car was at fault for my accident. The big problem is that this person was visiting from Korea, didn't speak English, didn't have car insurance, and is no longer in the country. Hertz is the owner of the rental car, but they are refusing liability! They are refusing liability because they believe the person that signed their contract was not driving, that it was in fact his friend. Is Hertz still liable for this claim? Unfortunately my insurance doesnt cover me & I dont have uninured motoris, so I have no other means to repair."|"2013-03-05 13:04:16"|"94521"|"Concord"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-was-in-a-motorcycle-acc-1889.htm" "2013-03-02 20:15:46"|"auto-insurance-qa"|"What do i do when the person who hit me denies the accident happened so his insurance refuses to pay? "|"If your vehicle was damaged by objects that came off of another driver then the insurance for the other jparty should pay for the repairs to your vehicle. The other insurance company does have to speak to their insured to get their statement on the accident. If the other party refuses to return their calls, it makes it very diffecult to get the claim resolved.If you do have a police report send a copy to the other insurance company showing the other driver was at the scene and caused the accident. That may encourge the company to continue to try to contact their client.If you have collision coverage, contact your insurance company and see if the damages exceed your deductible. If so, have your insurance company repair your vehicle. They will then go after the other insurance company to reimburse them for the repairs. If your insurance company is successful you will get your deductible back.The final option is to sue the other driver in small claims court for your damages. The insurance company will need to defend the other driver and if they lose they must pay for your repairs."|"My vehicle was struck by stuff that flew out of the vehicle that was driving in front of me. I called and filed a claim with his insurance company and a week later when i finally heard back from the insurance company i was informed that they had not been able to make contact with him yet to verify this actually happened. They then said if they are unable to make contact with him or he denies the accident happened they will not be paying. I then asked if that still applied if i had a police report saying this happened they said yes. Is this true? Can they actually do that? "|"2013-03-05 13:10:14"|"98038"|"Four Corners"|"WA"|"https://insurance.freeadvice.com/insurance-questions/what-do-i-do-when-the-per-1887.htm" "2013-02-28 10:30:05"|"auto-insurance-qa"|"do i have to pay the insurance even if i was the one who got hit? and than moved out of the state?"|"If you caused an auto accident you are responsible for the damages to the other person's car and any injuries that you cause. If you did not cause the accident, you should not have admitted fault, even if you did not have a license, and presumably, no insurance. Once the repairs are made by the other person's insurance, they will come to you for reimbursement of the amount they paid out for the car. They will have records available to you to prove the amount they are seeking. Even though the accident was in 2012, you are still liable for the damages. If you were responsible, you should contact the insurance company and try to work out a payment plan. They will try to work with you if you can't afford what they first tried to set up. If you actually had insurance at the time, contact the insurance company or give the other insurance company that information."|"accident happened in early February 2012 , i only took the blame because i didnt have a license at the time, now the other guys insurance says i owe them $4,608and that it has to be paid off in about two years, i got this notice in late February almost march of 2013. is it still relevant or are they just trying to cheat me out of money?"|"2013-10-31 18:09:39"|"14020"|"Batavia"|"NY"|"https://insurance.freeadvice.com/insurance-questions/do-i-have-to-pay-the-insu-1882.htm" "2013-02-27 15:31:04"|"auto-insurance-qa"|"My son was an excluded driver on my policy with license and my permission to drive my car. He had an accident and now the insurance will not pay! "|"If your son was an excluded driver under your auto policy, and you agreed to and signed the agreement, the insurance company has no responsibility to handle the accident.Even though you gave your son permission to drive the car, you and he were aware of the exclusion. You should not have allowed him to drive the car.if another car was involved the you will be responsible for their repairs as well as your own repairs. Your son could also be facing charges for driving without insurance.You should ask your son to pay for the repairs to your car since the accident was his fault. You need to also be sure that you do not allow him to drive your car again, since the insurance company will not be adding him as a driver any time soon. They may also decide to cancel your coverage since you violated the agreement with them."|"I can not afford to have my car fixed and pay a car note. What will be my next step?"|"2013-02-27 16:06:21"|"36502"|"Atmore"|"AL"|"https://insurance.freeadvice.com/insurance-questions/my-son-was-an-excluded-dr-1881.htm" "2013-02-26 09:55:15"|"auto-insurance-qa"|"Is east coast auto insurance a legitiment insurance source."|"call the Dept of Insurance"|"I recently got a quote from a place i found online and want to be sure its legitment bofore giving my information up, is east coast auto insurace a legitimate company you kno iw of or can find phone number for them is 1888-206-0565."|"2013-11-27 14:23:16"|"32220"|"Jacksonville"|"FL"|"https://insurance.freeadvice.com/insurance-questions/is-east-coast-auto-insura-1877.htm" "2013-02-26 00:46:42"|"auto-insurance-qa"|"What exactly is a "Salvaged Rebuilt" title?"|"If you own a car that is considered a salvage then the title is required to be shown this. You can usually insure the car with most insurance companies but you must declare that the car is a salvage vehicle. You can insure it for collision coverage, but the value of the car is reduced since it is a salvaged car. You would not get the blue book value of the car if it is again totaled. I doubt if the insurance company could provide you with an estimated value of the car ahead of time, but you can ask. You could also contact an appraiser of cars and see if they can provide an estimated value of the car, making sure you tell them it is a salvaged car.If you want to insure it for liability only, there should be no problem with any insurance company. They may want to know that it is safe to drive, but that should not be a problem if it was properly repaired."|"My 2000 Ford F150 was recently in a accident, and needed a new bed. I had the option from the insurance company to have it totaled or have it repaired. I choose to have it repaired. Now on my truck title is says "Salvage Rebuild"! Can you tell me what the pros & cons are of having such a title???"|"2013-10-31 18:02:42"|"89061"|"Pahrump"|"NV"|"https://insurance.freeadvice.com/insurance-questions/what-exactly-is-a-salvage-1875.htm" "2013-02-25 10:34:25"|"auto-insurance-qa"|"What happens if I can afford to pay a insurance claim filed against me?"|"If you rear ended another party then the accident would be considered your fault.If at a later date the other party filed a claim for bodily injury due to the accident, your insurance would cover you for those injuries. Even the most basic insurance covers the driver for injuries caused by an accident.You need to contact your insurance company and file a claim for the accident. Explain that you didn't file the claim earlier as you did not have any damage and there were no apparent injuries. Your insurance company will handle the claim. Tell the other party's insurance company to contact your insurance company. You do not have to speak with them and should let your insurance handle this claim. If your insurance company denies the injury claim, the other party can take you to court. If that happens, your insurance company must defend you and pay any settlement that is awarded by the court."|"Last year in March, I was involved in a minor accident, in which I rear ended another drive(although I was at fault according to Florida Laws, he got a ticket for his misconduct on the road which is what caused me to rear end him). So back to the point, everything was fine, no one was reported injured but a year later( about 1 week ago) I receive a claim for 16K filed by his insurance against me because my insurance doesnt cover injury. I am 23 yrs old, there's no way I can afford 16K. What do I do? I own 2 cars which I use for school and work, can they get they take my cars away? Plz help!!"|"2013-02-25 17:48:54"|"33414"|"Royal Palm Beach"|"FL"|"https://insurance.freeadvice.com/insurance-questions/what-happens-if-i-can-aff-1873.htm" "2013-02-24 13:21:11"|"auto-insurance-qa"|"if my truck is totaled and no witness is my insurance going to pay there was no other car involved "|"If you have a solo accident that results in the total of your car, then your insurance company will pay for the damages,or the actual cash value of your vehicle. There do not have to be witnesses to the incident.You must have collision coverage under your policy for this loss to be covered. Your settlement will be less the deductible under the collision portion of your policy.Contact your insurance company to start the claim process. They will investigate the damage to your vehicle. If it is considered a total loss, they will offer you the current actual cash value of the vehicle. This is based on multiple factors such as the Kelly Blue Book and local pricing for the vehicle.After the claim is settled your insurance rates will probably increase due to the accident. Most insurance companies increase the rates when you have an accident that is deemed to be your fault. "|"there where no other cars evolved "|"2013-02-25 17:53:31"|"72744"|"Lincoln"|"AR"|"https://insurance.freeadvice.com/insurance-questions/if-my-truck-is-totaled-an-1870.htm" "2013-02-23 17:17:30"|"auto-insurance-qa"|"can i be charged with a hit and run if i was never the legal owner of a car and wasnt even present?"|"If you owned a car that you immediately sold and never had the car registered in your name, the insurance company would be hard pressed to claim you were responsible for an accident. You could help the insurance company by providing the name and any additional information you have on the person who you sold the car to. Even if you don't have the date of sale, you can give the insurance company what information you have. This may appease them and they will go after the other party.The insurance company may have gotten your information from the person who sold you the car. They may have sent a form to DMV saying they sold the car and provided your information. You never registered the car and never reported it sold, so that would be the last name on the trail of registration. If you signed the registration form over to the new owner, then if the insurance company can get the registration form, it would prove that you sold the car. However, until they find the current owner that may be difficult."|"i am constantly being contacted by an ins company saying i was the driver in a hit and run. i have no idea what they are talking about...i bought a car from someone and turned around and sold it 3 days later. without even regestering it in my name. so apparently who i sold it to hit someone...i dont have a bill of sale showing when i sold it...but the car was never in my name in the first place...why should i be held responsible?"|"2013-10-31 17:57:21"|"92308"|"Apple Valley"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-be-charged-with-a-h-1867.htm" "2013-02-20 06:09:32"|"auto-insurance-qa"|"Live in NYC, but borrow/drive a car in NJ...what type of car insurance do I need and for which state do I need it for?"|"Auto insurance follows the car. If the car is owned by another party, and they allow you to use it, the car is insured by the owner. The car can be used in any state in the US and the insurance from NJ would be valid. However, they need to be sure there is no limitation on their policy that requires any driver be listed on the policy. This is not a standard requirement, but is on a few policies. Have them check with their agent or company.It is not required that you be added to the policy unless you become a frequent driver. That can mean different things to different insurance companies. Nothing needs to be done at this time, but if you have an accident, the insurance company may require that you be added to the insurance policy and rated for on the policy. This could increase the rates for the owner of the car, depending upon your driving record. If you do not want to be added at that time, the insurance company can exclude you from the policy."|"Here's a scenario that will likely be a reality in my near future:I'm living in New York City with a New York state driver's license and DO NOT own a car. Occasionally, say once a month, I will visit my family in New Jersey where they have a car that I will likey drive when I'm home. Will I need NY or NJ car insurance? Would it be considered non owners car insurance?"|"2013-10-31 17:51:20"|"08065"|"Palmyra"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/live-in-nyc-but-borrow-dr-1862.htm" "2013-02-19 11:25:56"|"auto-insurance-qa"|"how big an insurance claim before insurance premium rises, and about how much?"|"I need the complete info,, not a "continuance""|"(Continuance of "misinformation in insurance claim filed unknowingly by mom -- consequences?) How big a payout on an insurance claim would affect my mom's premium, and now long would it be affected/what could she do to bring it back down if it is affected? With the past year's worth of difficulty for her (father's agonizing death in May, October diagnosis of 3rd-stage breast cancer and its followup treatment, etc.), I can hardly bring myself to tell her more bad news. I'd be happy to pay the added amount to what she's been paying ongoing. I just need to know how much it'll be. "|"2013-10-31 17:45:53"|"25411"|"Berkeley Springs"|"WV"|"https://insurance.freeadvice.com/insurance-questions/how-big-an-insurance-clai-1861.htm" "2013-02-19 07:48:56"|"auto-insurance-qa"|"i have a loss of use endorsement on my policy for carrental and did not have to use it.Should i get reinbursed for the days my vehical was in the shop"|"If you have an auto accident your collision coverage will pay for the repairs less your deductible. The adjuster will work with you to make the estimate and work with the body shop to make the repairs. You choose the body shop.If you have loss of use coverage under the policy, this will reimburse you for a rental car while your car is out of service, or being repaired. There is usually a daily rate for the rental and sometimes a total amount limit for this coverage. You must actually rent a replacement vehicle to recover any payment from this coverage. Just because the car was out of service, and you had another way to get around, the insurance company will not pay you under this coverage. It is a reimbursement coverage. If you didn't spend any money, there is no reimbursement to be made. "|"loss of use reinbursment"|"2013-02-19 11:16:54"|"38141"|"Memphis"|"TN"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-loss-of-use-endo-1860.htm" "2013-02-18 15:47:05"|"auto-insurance-qa"|"My vehicle was just deemed totaled. I own the vehicle and the only damage on the vehicle is to the back passenger rear. What are my options?"|"If your car was determined to be a total loss due to an accident, you have various options.If you have collision coverage, then your insurance company will pay you the actual cash value of the car, less your deductible. You will then be expected to turn the car over to your insurance company who will sell the car for salvage. You may be able to purchase the car back at the salvage value. You can again insure it, but the title will show the car is a salvaged vehicle and the value of the car will be reduced if you insure it again for collision coverage. It is possible your insurance company will not insure it for collision coverage. Check this out before you make a decision to buy it back or not.If you don't have collision coverage, you can pay to repair the car yourself, or fix it yourself. If you do this, you can continue to insure it, but will probably not be able to get collision coverage going forward."|""|"2013-10-14 09:51:33"|"70031"|"Ama"|"LA"|"https://insurance.freeadvice.com/insurance-questions/my-vehicle-was-just-deeme-1858.htm" "2013-02-18 15:44:10"|"auto-insurance-qa"|"even though there's no claim do you have to give insurance info after a not at fault accident?"|"who wants the information?"|"A car pulled in front of my daughter causing an accident in a parking lot.Police wrote down that she said it was her fault, She had quickly turned left in front of my daughter trying to make it into a Wendy's without looking for oncoming traffic. Of course, no tickets were issued.There was no damage to my daughters car, the other car was damaged.Since it's clearly & admittedly their fault & my daughter has only liability, does she have to give them insurance info?She's prepared to sign off since she had no damages or injuries, so why would they need any more info? She's starting a new job & just wants it said & done."|"2013-10-31 17:44:41"|"62088"|"Staunton"|"IL"|"https://insurance.freeadvice.com/insurance-questions/even-though-there-s-no-cl-1857.htm" "2013-02-16 15:38:21"|"auto-insurance-qa"|"Claim misinformation -- Consequences?"|"If you have an auto accident, even in a parking lot, you are expected to give the insurnce company the best information you have available as to the details of the accident. It does not appear that you have given any false information to the insurance company.If you and the other car were backing up, then you would each be responsible to repair your own cars, unless there is witness information indicating greater negligencce for one or the other driver. Since you did not exchange information, your only option was to contact your insurance carrier for the repairs. It sounds like you did so and the car has been fixed, less your deductible.Depending upon the amount of damage, your insurance rates could increase. You can ask the agent or insurance company if there will be an increase. If so, you should tell your mother before the new policy is issued with the increased rates."|"Had a fender bender in parkg.lot a few days ago; I'm on mom's insurance, in her car (SUV). Crept out very slowly, careful. Second car was shorter,convertible with roof down; didn't see it. Only heard clunk. Witness checked cars as did I; Stunned, mortified and didn't see the damage. Other car uninjured, so didn't x-change info. Haven't the nerve to admit I damaged her car. Got claim filed and damage repaired. Didn't defraud insurance folks in any way. Still can't work up to telling her exactly what happened. Any consequences from insurance for skewed story? I plan to correct what they heard."|"2013-02-17 14:47:42"|"32127"|"Ponce Inlet"|"FL"|"https://insurance.freeadvice.com/insurance-questions/claim-misinformation-cons-1855.htm" "2013-02-16 06:12:59"|"auto-insurance-qa"|"Claim misinformation -- consequences?"|"If you had an accident in a parking lot with another driver and you were backing out, the accident would gnerally be considered your fault. It appears there was no damage to the other car, since you didn't exchange information, so you would have to go to your insurance company for the repairs. They would handle the claim, for the total damages, less your deductible. It is not required that you have the information on the other driver since you feel it was your fault. If the car has been repaired, then the claim is settled. I don't see where you have given any misinformation to the insurance company regarding the claim. If you have not told your mother about the incident, you should prepare to do so. If the damages exceed a certain dollar amount then your auto insurance rates could increase. Ask your agent or insurance company if there will be an increase. If so, tell your mother before the insurance policy renewal is issued with the rate increase."|"Driving mom's car; both involved cars moving; my SUV, one low-profile sportscar driven by older man and wife; witness and I saw no damage, but I was stunned -- first mishap in 20 or so years. No x-change of info, claim declared as unknown how it happened. 85-yo ailing mom can't take bad news. Didn't have heart to tell her the circumstances. Both of us have long-term sterling driving records. Everything else was done correctly. I will tell her when I work up the nerve. Am I in trouble with insurance company. I'm on her policy. I just want to correct the record with the insurance co. Trouble?"|"2013-02-17 14:52:41"|"25411"|"Berkeley Springs"|"WV"|"https://insurance.freeadvice.com/insurance-questions/claim-misinformation-cons-1854.htm" "2013-02-15 13:22:22"|"auto-insurance-qa"|"Is it illegal to use a parking lane to initiate a right turn?"|"not an insurance question - callyour police department"|""|"2013-02-16 11:42:05"|"94118"|"San Francisco"|"CA"|"https://insurance.freeadvice.com/insurance-questions/is-it-illegal-to-use-a-pa-1853.htm" "2013-02-12 09:20:51"|"auto-insurance-qa"|"Can an insurance company cover damages caused by a pothole."|"If you have an auto accident involving a pothole, your auto insurance would cover this damage under the collision portion of your auto insurance. Your deductible will apply and if the insurance company pays over a certain amount your rates could be increased.Review your insurance policy to see what your deductible is. If you have a $500 deductible, you will only get $200 from the insurance company. If they would increase your rates due to the accident, you may not want to file a claim with your insurance company.If the pothole is in your apartment complex parking lot you should see if the apartment company will pay for your damages. You can claim they are responsible to maintain the parking lot to prevent damages to your car. If they refuse, see if they will pay your deductible. If you file a claim with your insurance company, they may try to subrogate against the apartment complex, and that may be a better way to go by letting your insurance company go after the apartment complex. If they are succdessful, you could get your deductible back. "|"i drove into my apt complex and drove in a big pothole that i didn't see due the time of the day and rain. The damage the pothole caused is to the bottom of my car costing me $700 to get it fixed. Would The insurance company cover this?"|"2013-02-12 09:26:56"|"48045"|"Harrison Township"|"MI"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-company--1849.htm" "2013-02-11 14:24:30"|"auto-insurance-qa"|"If you were in a car accident and your medical insurance paid 523.89,total amount was 3,901.00 can the hospital go after the rest of the money?"|"If you were in an auto accident and your medical insurance paid for the injuries, then you should be settled with the care facility for the amount owed.However, if you are paid by your insurance company, under medical payments coverage, or by the other party's insurance for bodily injury, then you may be expected to reimburse your medical insurance coverage for the amount they paid out. Any pain and suffering settlement would not be affected by the other medical payments received. Medical insurance companies work out a payment program for services you receive. That is why your company was able to pay less than the original billing. However, you are not expected to benefit financially and be paid double - by your medical carrier and then the auto insurance carrier. The auto insurance company may ask for proof of what you received from your medical insurance company before they will settle with you."|"Just want to know if hospital can go after rest of money after they have been paid already!"|"2013-02-13 09:40:25"|"85041"|"Phoenix"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/if-you-were-in-a-car-acci-1848.htm" "2013-02-09 21:24:29"|"auto-insurance-qa"|"Is there a way to continue to insure a deceased person's vehicle while an estate is being setlled?"|"If a person who had car insurance and owned a car passes away, the insurance company insuring that car should continue to cover the car for a reasonable amount of time while the estate is settled. There is usually a clause in the auto insurance policy outlining coverage when the named insured is deceased.You should call the insurance company again and tell them the estate is still being settled. They will need driver information on whoever is using the car. In this case, it would most likely be you, since you are the heir. If you have moved the car from the original state, then the insurance will need to be rewritten to the new state. You should contact your insurance company to see if they can work with you in this matter if you have moved the car. If you have not, then the current insurance company should be willing to work with you on the insurance. "|"My sister recently died in Las Vegas. I am her next of kin and took possession of her last effects from the coroner's office, including a truck and travel trailer. I contacted her auto insurance company and told the person that I spoke to that she had died and I wanted to continue insure her truck until her estate was settled. I paid for one month's coverage by credit card. I rjust eceived a mailing (addressed to my sister) from her insurance carrier stating that her insurance would be cancelled on 3/15 becaused she had died. Is there any way to cover the truck? I live in TN."|"2013-02-13 09:45:06"|"89121"|"Las Vegas"|"NV"|"https://insurance.freeadvice.com/insurance-questions/is-there-a-way-to-continu-1846.htm" "2013-02-09 09:50:48"|"auto-insurance-qa"|"Underinsured Motorist"|"If you and your father were injured in an auto accident, the responsible insurance company will pay up to the policy limits of the policy. You can then go to your father's insurance company to try to collect under the uninsured/underinsured mortion of his insurance policy. Also, if he has medical payments coverage you can claim under that up to its limits.Most insurance policies do not stack coverage even under the uninsured/underinsured portion of the policy. they will pay per claim, not per auto, so you would be eligible up to the limits under the policy under the per person portion. It does not matter if you are in the household or not.If you have your own insurance policy for autos, you can go to that policy and file a claim under the uninsured/undersured coverage, if your father's coverage is not sufficient to settle all of your medical claims. Also, if you have medical payments coverage, you can file a claim under that portion too."|"My Father and I were hit by a driver and totaled his car. His insurance has paid us the max of his policy. Now I put in a claim to my father's insurance company for the remaining medical bills and pain and suffering. My father has underinsured motorist stacked and he has 3 cars on the policy.The insurance company offered me 25k but, said I was not entitled to the stack underinsured because I did not live in the household. My question is this correct. Am I entitled or not to the stack coverages on the policy even tho I did not live in the house hold? Also where can I find this law?"|"2013-02-13 09:50:27"|"19160"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/underinsured-motorist-1844.htm" "2013-02-07 10:26:45"|"auto-insurance-qa"|"have a false claim on my record"|"what is the question?"|""|"2013-11-27 14:23:30"|"38571"|"Crossville"|"TN"|"https://insurance.freeadvice.com/insurance-questions/have-a-false-claim-on-my--1842.htm" "2013-02-04 22:54:41"|"auto-insurance-qa"|"If it is not my car insurance company I am dealing with is my dad able to call about the existing claim or only me since I was the one rear ended?"|"If you were involved in an auto accident, the insurance company that is responsible for the repairs to the car will need to talk to you to get your statement as to what happened. This is standard procedure for the insurance company as they need your description of the incident as well as the other party's description.After you have given your statement you can ask the adjuster if your dad can be contacted for follow up on the claim. They should be willing to work with him, since you have requested this. However, you will have to accept the settlement they offer. You dad cannot do this for you. All of this is presming that the car is yours and you are insuring it. If it is your dad's car, then you will still need to give a statement but then your dad will need to work with the insurance company to arrange the settlement."|""|"2013-02-14 09:40:45"|"53005"|"Brookfield"|"WI"|"https://insurance.freeadvice.com/insurance-questions/if-it-is-not-my-car-insur-1838.htm" "2013-02-04 11:40:08"|"auto-insurance-qa"|"How do I get the most from the at fault driver's insurance."|"If your daughter was in an auto accident where the other driver ran a stop sign, it seems odd that the other insurance company would hold your daughter partically responsible. It is not necessarily the assumption that someone should anticipate a stop sign to be run. they should also pay for your duaghter's injuries. The frustration and delay may not be offered as a part of the settlment.As an alternative, you can contact the insurance company who is settling the claim. Ask to speak to a supervisor and see if they will amend the responsibility. If they refuse, you can go to your insurance company and ask them to settle the collision damage and the injury to your daughter, presuming you have medical payments coverage. They will pay for the damage to your car, less the deductible until they can settle with the other insurance company. If you don't have medical payments coverage, then your insurance company will not pay for the injuries.If neither of these solutions work, you may have to get an attorney, but that cost will probably eat up an "frustration" settlement that you might receive."|"My daughter was in accident, her car is in my name and so is the insurance because she is 17. It was the other driver's fault, did not yield at stop sign, my daughter could not avoid hitting his car because he pulled out in her path. Police report was filed. Happened on Jan 9. Today, Feb 4, his insurance finally responded approving only 80% saying my daughter could have avoided hitting their insured. I now want not only 100% covered but some compensation for the delay and frustration, not to mention my daughter had to go to ER after accident for back, neck and head pain. Any advice?"|"2013-02-17 14:59:47"|"44055"|"Lorain"|"OH"|"https://insurance.freeadvice.com/insurance-questions/how-do-i-get-the-most-fro-1836.htm" "2013-02-03 18:25:21"|"auto-insurance-qa"|"How long can the plaintiff take to sign the settlement agreement? "|"If you are involved in an auto accident, the insurance company that is responsbile to pay for your damages and injuries will try to settle the claim quickly. Often times there are laws in the states that require the insurance company to settle within a certain number of days, unless there are circumstances that prevent it.If you have lingering injuries you will not want to settle too quickly, as you want to be sure that you are able to receive proper treatment for your injuries.If the adjuster is pushing you for a settlement, you can explain that you are still suffering from the injuries and want to wait. The adjuster may close the claim due to inactivity, but they will reopen it when you are ready to move forward.Reasonable time should be taken in this process. If you wait for an extended period of time, the insurance coampany may become less willing to work with you. Settlement should be done without a few months of the incident, not years."|"Is there a time limit or not? What is the average time? Thank you."|"2013-02-14 09:45:40"|"78213"|"Castle Hills"|"TX"|"https://insurance.freeadvice.com/insurance-questions/how-long-can-the-plaintif-1833.htm" "2013-01-28 23:37:43"|"auto-insurance-qa"|"Can someone claim an additional Uninsured Motorist Bodily Injury Settlement against me when I'm already paying their medical bills?"|"If you caused an auto accident and had no car insurance, then you can be held responsible for the injuries and damages caused by the accident.The other driver's insurance would probably pay for the damages to that car and bodily injury if the other driver had medical payments coverage and/or uninsured motorist coverage. After everything has been paid to the other driver then her insurance company will come to you to try to collect the money. You indicate that you may be paying the other driver directly. If so, you have hopefully kept records if what you have paid to them. You need to talk to their insurance company and show the amounts that you have paid directly to the other driver. It may be that the other driver is collecting double - from you and their insurance company. If so, they will have to work this out with their insurance company."|"I bumped into a car in front of me going, maybe, 5mph at a stop. The other car called the cops. The cops came but did not file an accident report because there was no damage. I was unaware at the time but my insurance coverage had lapsed for about a week during this time. The other driver came after me later saying that she had back injuries and had to have extensive chiropractic work done totaling $3,000. Then their insurance came after me for $2,915.00 for Uninsured Motorist Bodily Injury Settlement. Why the extra bodily injury settlement when I'm already paying their medical bills? "|"2013-01-30 14:24:32"|"84043"|"Cedar Pass"|"UT"|"https://insurance.freeadvice.com/insurance-questions/can-someone-claim-an-addi-1822.htm" "2013-01-28 11:30:01"|"auto-insurance-qa"|"Do we have to accept the offer to fix our truck after a fire?"|"If your truck was damaged due to a fire, and you have comprehensive insurance coverage on it, the insurance company will review the damage to the truck and determine if it can be repaired. In your case, the damage is well under the actual cash value of the truck, so the insurance company will pay to repair the truck. Since the value is so much greater than the damage, the insurance company will not be willing to adjust the settlement. You cannot force the insurance company to make the truck a total loss.Since the truck was under recall for possible fires, the repair place will be sure that the recall issue is addressed while repairing the truck. Confirm this with them. If they do not seem willing to make sure of the recall issue, get the truck repaired elsewhere.After the truck is repaired you can, of course, sell or trade the truck in and get another vehicle."|"We have a 1999 Ford F150. It was subject to recall for catching on fire. We have had the truck for 2 years and didn't know about the recall. It caught on fire in our driveway one afternoon. The adjuster valued the truck at $5600. The damage is $2600. Do we have to accept the truck being fixed. I am not comfortable with my wife or son ever driving the truck again once fixed. Do we have to accept it getting fixed or can we take the totalled value of the truck?"|"2013-01-28 14:56:46"|"37160"|"Royal"|"TN"|"https://insurance.freeadvice.com/insurance-questions/do-we-have-to-accept-the--1821.htm" "2013-01-28 10:49:18"|"auto-insurance-qa"|"when in an accident and the $20000 liabilty coverage isn't enough to pay the dr. bills, who is responsible and how do you collect?"|"If you were in an auto accident and the other party is at fault, their liability coverage will pay up to the limits of the policy. It appears that their limit was $20,000. If your injuries exceed that, then you may have to try to see if they have medical payments coverage. If they do, that will pay up to that limit of coverage in addition to the bodily injury limit.If they don't have medical payments coverage, you can file a claim under your insurance for medical payment coverage if you have that. There is no deductible, and it will not affect your rates. If you don't have it, see if you have uninsured/underinsured coverage. This is an amount that you can collect on top of what you were paid by the other insurance company, provided your medical bills exceed the other limits. Talk to your insurance company about these coverages and see if you have them."|""|"2013-01-29 17:25:07"|"52556"|"Beckwith"|"IA"|"https://insurance.freeadvice.com/insurance-questions/when-in-an-accident-and-t-1820.htm" "2013-01-27 12:12:00"|"auto-insurance-qa"|"2006 BMW x5 just declared totalled due to alleged engine freeze from oil pan leak"|"If a car is considered a total loss by the insurance company the Kelly Blue Book is one tool used to determine its value. The insurance company can also use other books and local ads. The offer from the insurance company will include the deductible you have for collision coverage. If you feel the offer is too low, you must prove the value of your car by using similar sources. Records of the maintenance of the car can also help in increasing the value of your car. You can also argue the fact that the overall value of the car is higher in an attempt to have them repair the car rather than call it a total loss.You can also buy back the car for the salvage value given by the insurance company and then repair the car yourself. The title will be adjusted to show it is a salvage vehicle, but you should be able to continue insurance on it. However, the overall value of the car will be reduced since it is a salvaged vehicle."|"2006. x5 silver titanium BMW (Iam the only owner purchased new) meticulously taken cre of. 72,000 miles. Slid off icy road into a claps able road sign into a snow bank. Car towed to BMW dealer 150 miles, inspected by insurance adjuster, 2 weeks later they declared it a total and said they would pay 17,300 for the car.Kelly blue book estimated the value as 24,500. Adjuster said the would sell the car for "scrap" 5,000. New engine aprox. 15,000. Bumper damage at 3,500.Question: numbers don't add up and I (think) I just want the car repaired. Do I have a choise?"|"2013-11-26 14:28:43"|"83353"|"Sun Valley"|"ID"|"https://insurance.freeadvice.com/insurance-questions/2006-bmw-x5-just-declared-1819.htm" "2013-01-24 16:57:02"|"auto-insurance-qa"|"If a claim is filed with an insurance company for vehicle damge, should they wait for the insur co to repair it, or fix it themself & be reimbursed? "|"If you are involved in an auto accident then the insurance company will have an adjuster contact you to arrange an inspection and estimate for the repairs. The insurance company does not actually repair the car, they simply pay for the repairs. After the figure is agreed upon, you can take the car to any repair facility. Have the repair place work with the adjuster for the payment of the repairs. Once that is confirmed then the repairs can begin. Presuming that you have a deductible, you will be responsible for that amount. You will pay it directly to your repair place. The repair place will get the balance from the insurance company. Make sure the place you have chosen agrees with the figures from the insurance company before work begins. That will prevent any surprises at the end of the process."|"If a claim is filed with an insurance company for vehicle damge, should they wait for the insurance company to repair it, or fix it themself & be reimbursed? "|"2013-01-26 09:44:41"|"99163"|"Pullman"|"WA"|"https://insurance.freeadvice.com/insurance-questions/if-a-claim-is-filed-with--1816.htm" "2013-01-22 16:58:18"|"auto-insurance-qa"|"my daughter was in a car with 2 other friends one of them driving and on their fathers insurance."|"In an auto accident the owner of the car's insurance company will handle the claim for damages and injuries to the parties in the car. If your daughter was injured along with another friend the insurance company will assess the injuries. The policy limits will determine how much can and will be received by your daughter and friend. Many policies have a "per person" limit for bodily injury. This is the most that can be collected by one person for injuries, including pain and suffering. There is also a per accident limit, this is the most that will be paid out by the insurance company for all injuries, so if there are more people injured than the limits can cover, then each will receive less. Your insurance policy could provide some additional coverage if you have medical payments coverage and/or underinsured motorist coverage. Check into these coverages if the amount offered by the other insurance company is not sufficient to cover your daughter's injuries."|"The girl driving the car was turning at a green light with on coming traffic which had the right of way..anyway my daughter and friends was hit by a delivery truck it was her friends fault..and all three was injured with cervical strain, fractured hand and busted lip, strained lower back and shoulder...will they get paid for pain and suffering even though it was my daughters friends fault?"|"2013-11-22 16:45:10"|"29588"|"Myrtle Beach"|"SC"|"https://insurance.freeadvice.com/insurance-questions/my-daughter-was-in-a-car--1808.htm" "2013-01-22 12:33:47"|"auto-insurance-qa"|"someone else driving my car was ticketed"|"While in auto insurance the insurance follows the car, so if there is an accident the owner's insurance would handle the claim, this does not apply to someone who receives a ticket.If someone is using your car and receives a ticket for a moving violation, then their insurance rates could be affected by the ticket, not the car owner. However, if the ticket involves a "fix it" ticket for the car, then it would be the responsibility of the car owner to fix that problem and provide proof to the police or authorities that the problem was fixed. This would include a tail light issue, brake lights or the like.You should be careful about lending your car to another person, since they could be responsible for causing an accident and that would be your responsibility or your insurance company's responsibility. Again, your rates should not be affected, but your insurance company could restrict use of your car if you have more than one instance when someone not in your household causes an accident in your car."|"if someone else drives my car and gets a speeding ticket will my rates go up"|"2013-11-22 16:39:37"|"37355"|"Manchester"|"TN"|"https://insurance.freeadvice.com/insurance-questions/someone-else-driving-my-c-1806.htm" "2013-01-21 10:32:26"|"auto-insurance-qa"|"Uninsured/ no license "|"If your daughter was using your car and had an accident, then your car insurance will cover the damages to the other cars, up to your policy limits. This is presuming she is not excluded on your policy as a driver. Even if she does not have a license, your insurance company should pay for the damage to the other cars.If you have collision insurance, then the damages to your car will be covered, less your deductible. If you do not have collision coverage, then the insurance company will not pay for your damages to your car.The insurance company will most likely now ask that your daughter be excluded from your policy. Once she gets her license, they may be willing to add her to the policy, but depending upon the amount of damages, they may continue to exclude her.Since she is not licensed and not on your insurance, your rates should not increase at this time. However, when she does get a license, her insurance rates will reflect this accident. Also, not being licensed, she may face charges from the police for the accident and her ability to obtain a license may be delayed."|"my daughter was involved in accident where she hit three parked cars. She does not have her license and is not on our insurance. Will the insurance cover our vehicle and the other three?"|"2013-01-21 16:57:27"|"75228"|"Dallas"|"TX"|"https://insurance.freeadvice.com/insurance-questions/uninsured-no-license-1804.htm" "2013-01-19 15:59:23"|"auto-insurance-qa"|" can I sue the driver of my vehicle insurance company that caused the total loss of my vehicle for repairs?"|"please resubmit question. I don't understand it."|"My vehicle was in an at-fault- accident but I was not the driving during the at-fault-accident. I obtained a Salvage Retention in reference to my vehicle from my insurance company. Also my vehicle was a total loss due to the accident and because I obtained a Salvage Retention from my insurance company. "|"2013-01-23 15:41:17"|"29418"|"Charleston"|"SC"|"https://insurance.freeadvice.com/insurance-questions/can-i-sue-the-driver-of-m-1803.htm" "2013-01-18 02:19:17"|"auto-insurance-qa"|"if i hit a car and they do not have insurance am i still liable to pay for there damages"|"If you cause an auto accident and damage someone else's car, your insurance company is expected to pay for their repairs. The fact that the other driver does not have insurance, does not absolve you from being responsible for the damages caused in the accident, or the injuries incurred due to the accident. You should report the accident to your insurance company and let them handle the settlement of damages to the other party's car. If you have collision coverage, then your car will be covered too, less your deductible.If the police were called to the scene of the accident, they may take action to cite the other driver for failure to have insurance. If there were no police called, you should still file a report of the accident providing the information on the other driver. Then DMV will determine if they had insurance and if not, may cite them and/or suspend their driver's license."|"if i hit a car and they do not have insurance am i still liable to pay for there damages"|"2013-01-23 15:58:49"|"83864"|"Sandpoint"|"ID"|"https://insurance.freeadvice.com/insurance-questions/if-i-hit-a-car-and-they-d-1799.htm" "2013-01-17 20:37:39"|"auto-insurance-qa"|"Let some one barrow your car"|"If you lend your car to someone and they cause an auto accident, your insurance policy will pay for the damages and injuries caused by the accident. If the person who was driving your car has their own insurance and were simply borrowing your car you should not have to add them to your insurance policy.After the accident is settled your insurance company may ask about the other driver who caused the accident. You can provide your insurance company with their insurance information which should resolve any questions. If they do not have insurance, then your insurance company may ask additional questions. If the person lives in your household then you will need to add them to your policy and their driving record will affect the rates on your policy. If they do not reside in the household, then your insurance company may ask that they be excluded from your policy. You can discuss everything further with your agent or insurance company and try to resolve the situation without an exclusion, especially if this person does not regularly use your car."|"if I let someone borrow my car and thksey get in an accident. does that person by law have to be added to my insurance policy. In oregon"|"2013-01-23 15:53:19"|"97206"|"Portland"|"OR"|"https://insurance.freeadvice.com/insurance-questions/let-some-one-barrow-your--1798.htm" "2013-01-15 20:46:28"|"auto-insurance-qa"|"should you have more coverage on car besides liability"|"In auto insurance you are only required to purchase liability insurance to protect others if you cause an accident. You must have property damage and bodily injury coverage either at separate limits or as combined liability coverage. Each state determines the amount of insurance that is required in that state.You can purchase additional insurance as you see fit. You can buy higher liability insurance, If you have higher assets, you should consider buying higher liability limits. You can also purchase physical damage coverage for collision and/or comprehensive insurance. You can also purchase medical payments coverage, which covers you or anyone in your car in the event of an accident, regardless of fault. It also protects you if you are a pedestrian and are struck by another driver.When deciding whether to buy collision or comprehensive insurance you should determine the value of the car based on its condition and mileage. If the car is damaged, the insurance company will only pay the actual cash value of the car at the time of the loss. The decision to purchase this insurance is a personal one but consider the costs versus the likelihood of receiving compensation."|"do I need more coverage beside liability on 2007 Lincoln truck 80,0000 miles?"|"2013-01-23 15:48:42"|"79336"|"Levelland"|"TX"|"https://insurance.freeadvice.com/insurance-questions/should-you-have-more-cove-1794.htm" "2013-01-10 17:23:01"|"auto-insurance-qa"|"Am I legally responsible to pay for the damages to the parked truck I hit? Or is he responsible to take care of the damages himself through insurance?"|"If you strike another car while driving, you are responsible for the damages you cause.Your mother's insurance apparently excludes you as a driver under her policy, so her insurance company has denied coverage under her policy. Presumably she gave you permission to use her car, knowing there was no coverage. Since it was her car involved she is technically responsible for the accident. However, if she did not know you took her car, then the damages to the other car could be covered. Of course, you could be charged with car theft, so she should be careful denying permission.You should contact the other car owner and try to set up a payment plan to fix their car. If they had insurance, they can go to their insurance company to pay for the repairs, and then their insurance company will come after you or your mother for the cost of the repairs."|"I hit a parked car. I am licensed but my mother's insurance policy doesn't cover me as a driver so they denied our claim and wont pay for damages to neither vehicles. What should I do?"|"2013-11-18 11:14:13"|"77089"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/am-i-legally-responsible--1783.htm" "2013-01-10 11:20:56"|"auto-insurance-qa"|"my 18yr old is buying a preowned car. If whe owns the car and is under my car ins policy who is liable for damages if in an accident"|"Auto insurance should be written in the name of the registered driver. If the car is in your son's name only, then the insurance policy should be in his name.If he has little or no driving experience the insurance rates can be quite high.You can add your name to the title and then insure it on your policy. By doing this you can get a multi car discount, loyalty discount and other discounts. However, if there is a major accident then the liability falls on your policy and exposes you to the liability loss. His driving experience will still apply, as well as his driving record, but the discounts can help offset the costs.If your son does not live at home, his insurance definitely should be in his name. You do not know if he allows someone else to use his car, which could increase your exposure to a liability loss. If he lives at home this exposure is reduced but you should be sure to explain your expectations regarding the use of his car."|"is it better for an 18 yr old to own a car and have own car ins policy if accident occurs and sued for damages"|"2013-11-18 11:09:17"|"11385"|"Flushing"|"NY"|"https://insurance.freeadvice.com/insurance-questions/my-18yr-old-is-buying-a-p-1782.htm" "2013-01-09 11:20:50"|"auto-insurance-qa"|"What is the general rule of thumb for kids on parents policies listed only as drivers, living at the same address etc...."|"do you mean how to add them? Question is not clear"|""|"2013-11-18 11:03:43"|"32792"|"Aloma"|"FL"|"https://insurance.freeadvice.com/insurance-questions/what-is-the-general-rule--1780.htm" "2013-01-08 10:04:25"|"auto-insurance-qa"|"i have full coverage and my brother was driving, he hit a curb and the car is totalled, will ins. co. pay"|"If your car was totaled in an auto accident while it was being driven by another person, your insurance coverage does apply for the damages to your car.This is presuming that you do not have a named driver policy, which only covers for listed drivers on the policy. Most auto insurance policies are not a named ddriver policy.You should all your insurance company and report the claim. They will work with you to arrange an estimate and confirm if the car is a total loss. They will also need to take a statement from your brother since he was the driver of the car. If your brother is not listed on your policy your insurance rates will not be affected. However, his rates on his policy could go up since he has an at fault accident on his record. If he does not have his own insurance then your company may ask that he be added to your policy, or to be excluded. Your agent will explain this to you."|"no other cars were involved, my brother was driving my car with full coverage insurance, the car is totalled, will insurance co pay"|"2013-01-15 12:17:58"|"08003"|"Cherry Hill"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/i-have-full-coverage-and--1778.htm" "2013-01-08 06:28:24"|"auto-insurance-qa"|"Parking lot accident"|"If you were struck by another driver in a parking lot while they were backing out of a parking space, then the driver who was backing is considered to be at fault for the accident.If you have the insurance information for the other driver, you should call the insurance company to file a claim. The other driver needs to report the claim to his insurance company too, but they will contact the driver if it has not yet been reported. After information is taken from the other driver and you, then the insurance company should set up a claim and work with you to fix the damages to your car. There is no deductible for this claim, so the insurance company should pay in full for the damages, up to the actual cash value of the car that was damaged. They should also pay for a rental car, if needed while your car is being repaired."|"Owner of the vehicle1 was on the passenger side of the vehicle1. While leaving parking lot vehicle1 was backed into by vehicle 2. Owner of vehicle 2 stated he didn't see vehicle 1. Vehicle 1 is covered by only liability. Driver of vehicle 1 is a licensed driver. Vehicle 1 was damaged. How does the owner of vehicle 1 need to proceed ? How does the driver of vehicle 1 need to proceed against the owner of vehicle 2 who is at fault and has provided all his insurance information? No police report was made."|"2013-01-15 12:12:42"|"70506"|"Lafayette"|"LA"|"https://insurance.freeadvice.com/insurance-questions/parking-lot-accident-1777.htm" "2013-01-07 22:39:11"|"auto-insurance-qa"|"Vehicle next to mine catches fire and damages my vehicle. "|"Auto insurance for a driver protects them from liability if they cause an accident or damage to another vehicle. If the other driver's car caught fire through no fault of the driver, they are not legally liable for the damages to your car. While this may seem unfair, it is similar to a tree falling on a car. The property owner was not responsible for the damages that were caused.Your auto insurance should cover the damage to your car under the comprehensive portion of the policy. The deductible will apply for the damages, but usually the deductible for comprehensive is lower than that for collision. Call your insurance company and file a claim for the damages. This will not affect your rates. The insurance company will determine the amount of damage to your car and will arrange for repairs with a body shop that you approve of. Again your deductible will apply."|"My vehicle was sitting next to an SUV that caught fire and the fire damaged the passenger side of my truck. The other person's insurance company is saying that unless they can find that either he caused the fire or there was a manufacturer's defect that I am basically on my own for my damages and that they will not cover my damages. How can this be? "|"2013-01-15 12:08:04"|"37042"|"Clarksville"|"TN"|"https://insurance.freeadvice.com/insurance-questions/vehicle-next-to-mine-catc-1776.htm" "2013-01-03 21:25:48"|"auto-insurance-qa"|"Someone hit my car while I was in a store,what do I do now?"|"If your car was struck while it was parked, the accident is obviously not your fault. If the other driver left a note, then you should contact them for their insurance information and confirm they have reported it to their insurance company. You will then need to talk to the adjuster to arrange an estimate and getting your car repaired. Some insurance companies have you go to their facility for an estimate and other have you go where you wish to get the estimate and they will work with them to set up the repairs.If the other driver just left the scene, then all you can do is report the accident to your insurance company. If you have collision insurance, then your insurance company will pay for the damages less your deductible. If the damage is under your deductible, then you will have to pay for the repairs yourself. However, if your insurance company pays for the repairs then you only have to pay your deductible. This claim will not affect your rates, since the accident was not your fault."|""|"2013-01-07 09:20:57"|"31907"|"Columbus"|"GA"|"https://insurance.freeadvice.com/insurance-questions/someone-hit-my-car-while--1771.htm" "2013-01-03 18:37:56"|"auto-insurance-qa"|"What are my options? How do you believe this will turn out?"|"If you have a car that is financed, part of the contract states that you are required to continue comprehensive and collision coverage on the car as long as their is a loan on it. When you remored that coverage you were in violation of the terms of the loan.Your auto insurance agent should have reviewed the coverage and seen that there was a loan on the car. They then should have advised you that you should not remove the physical damage coverage from the policy. However, if you insisted on removing the coverage they would have to do so, since you are the policyholder and their client. When the paperwork was completed the bank should have seen the change and contacted you and the insurance agent and had the coverage reinstated. Again, the agent would have to hear from you to add it. They cannot add it back on without your permission.At this point in the accident you can only wait to see who is determined to be at fault. If it was the other party, then your damages will be paid and your car repaired. If not, then you have no recourse through your insurance policy. However, you should ask to add the coverage back on your policy for any incident going forward."|"1st of all I admit to being naive. Anyway I have my car financed I recently removed my comprehensive & collision coverage due to my premium being too high. I was unaware its required by lienholder to maintain full coverage. My broker never notified me of this and removed those deductibles. I was involved in an accident where I believe the other driver is at fault but fault as not been determined. Is there anything I can do to be covered? Also was my broker allowed to remove the coverage without notifying me?"|"2013-01-07 09:26:44"|"91701"|"Alta Loma"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-are-my-options-how-d-1770.htm" "2013-01-02 18:26:09"|"auto-insurance-qa"|"How So I become UN-excluded from My Mothers Car Insurance, She has AAA?"|"If you are an excluded driver on your mother's insurance, then she needs to work with the insurance company to see if you can be added to the policy as a driver.Insurance companies will usually exclude a driver if they are in the household and have a driving record that is unacceptable. Sometimes they will exclude only because the person is in the household and the policy owner does not want to pay for the cost to add them to the policy.Since you are 26, and it is presumed you have been licensed for over 9 years, your mother should be able to ask the insurance company to add you to the policy. If you have any tickets or accidents, then the insurance costs will be affected. Also, even though you have been licensed over 9 years, you could still increase the costs with a clean driving record, since your mother probably has more years experience which could be giving her a lower rate. Have the company provide a quote to add you to the policy."|"Does she have to pay money to UN-exclude me, i'm 26 and have a valid license?"|"2013-01-15 12:02:42"|"48357"|"Highland"|"MI"|"https://insurance.freeadvice.com/insurance-questions/how-so-i-become-un-exclud-1767.htm" "2013-01-02 07:38:59"|"auto-insurance-qa"|"Who is responsible for a parked car accident?"|"If you are parked and are exiting the car, then it is your responsibility to be sure it is clear to open your car door into traffic. If you, or a passenger, open the door and strike the other car, it is your responsibility for the damages to the other driver's car.If the door was already open and the other driver then strikes your car door, it would be their responsibility for the damages to their car and yours.Depending upon the damages to the other car, if it is your responsibility, you may choose to pay for the damages yourself. If the damages are under a certain amount, usually $750, your insurance company will pay for the repairs and will not increase your premium. If the damages are over that amount your rates could increase if it is determined to be your fault. If you are in doubt, report the incident to your insurance company and let them investigate and determine the fault. They will take your statement and the other driver's statement in the investigation and settle with the other driver or their insurance company."|"My car was parked. The passenger (my 22 yr old son) was getting out of the car. As he opened the door, a vehicle that was attempting to park next to my car, made contact with my door. My car is fine, his has damage. Do i pay for his repair? I live in Pa, but this happened in NJ."|"2013-01-07 09:32:07"|"19149"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/who-is-responsible-for-a--1765.htm" "2012-12-31 09:55:53"|"auto-insurance-qa"|"I was riding a bike and was hit by a car. I have a question about how the claims process works."|"When you are involved in an auto accident, even while you were riding a bicycle, the insurance company for the responsible driver has the right to make a full investigation. This includes the police report and a statement from the other driver and you, the injured party. The entire investigation is based on the information received from all of these items.It is standard process for the insurance company to take a recorded statement. If you have refused to give a recorded statement it could affect the adjuster's decision regarding responsibility. However, you might ask the adjuster if you can give a written statement instead of recorded. Sometimes this will be allowed. However the insurance adjuster does need something that they can refer to as well as it will keep them from putting alledged information from you. It is a protection for you and the adjuster. If you were absolutely in the right, you should not be afraid of giving a statement."|"I was hit by a taxi while on my bicycle, and had some minor injuries. I have medical and repair bills around $2,000. The driver's insurance adjuster keeps telling me I need to make a recorded statement to her, so that she can conclude her liability investigation to find out if her client is liable. The police report cites the driver as at fault. He did not slow down in time while I was crossing the street (I had the right of way). Everything I've read has said that I should never make a recorded statement, that it will only be twisted and used against me. Is this correct? "|"2013-01-01 15:31:01"|"27603"|"McCullers"|"NC"|"https://insurance.freeadvice.com/insurance-questions/i-was-riding-a-bike-and-w-1763.htm" "2012-12-30 10:34:13"|"auto-insurance-qa"|"i am leasing a car over the weekend. i will continue to keep my existing car for a couple of months. will my current insurance cover my new car?"|"If you buy or lease a new car over a weekend, your current policy will cover the new car for the same coverages that you have on your current car. If you don't have collision or comprehensive coverage on your current car, then you won't have it on the new car. You will have this coverage for a period of time, usually 10-20 days. Call your agent as soon as you can to get the new car covered.You should have a 24/7 phone number that you can use to call your insurnace company if you need to add coverage on the new car. These after hours services are capable of adding the coverage for you.If you are keeping the old car for over 30 days, you will need to insure it separately, so you will have an additional premium due. By having two cars, you will have a multi car discount until you sell the car, but once it is gone, the premium for your new car will go up if you then only have one car. Be prepared for the changes in the insurance costs. Also, the new car will probably be more expensive to insure since it is newer."|"should i wait until monday when i can talk with my agent to make sure my policy can be adapted to cover both cars ? "|"2013-01-01 15:36:35"|"91361"|"Hidden Valley"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-am-leasing-a-car-over-t-1761.htm" "2012-12-27 16:55:09"|"auto-insurance-qa"|"test2"|"clear"|"test"|"2012-12-28 13:52:35"|"94965"|"Marin City"|"CA"|"https://insurance.freeadvice.com/insurance-questions/test2-1758.htm" "2012-12-27 12:26:53"|"auto-insurance-qa"|"HOW MUCH DOES A CAR INSURANCE PAY,IF A CHILD DIES IN A RESULT FROM THE DRIVER."|"If someone is injured or killed in an auto accident, the insurance company that covers the driver who caused the accident will pay for the injuries. I fhtere is a death, then the insurance company will work with the claimant for the settlement for the death.The insurance liability limits, under bodily injury, are the maximum that the insurance company must pay for the claim. If there are multiple injuries, the policy may have a limit per person that would apply. If the liability limit is called a "combined single limit", then that is the maximum amount to be paid for the total amount of loss, including property damage.The adjuster for the responsible driver should contact the claimant to start the settlement process. The claimant needs to be aware of the policy limits for the responsible driver while working out a settlement. In addition, if the other driver (who was the victim) may be able to submit a claim under their uninsured/underinsured insurance. This can be used as additional settlement if the policy limits for the responsible driver are not sufficient to settle the claim."|"WHATS THE PROCESS"|"2012-12-29 12:27:09"|"77064"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/how-much-does-a-car-insur-1755.htm" "2012-12-26 08:53:39"|"auto-insurance-qa"|"My husband wrecked my dads car are we covered under his policy?"|"When there is an auto accident, the insurance follows the car. Since the car belongs to your dad, his insurance will pay for any damages caused by the accident.For damage to the car itself, the collision coverage portion of the policy will pay for those damages, less the deductible he has for collision. His rates will not be affected, if you are not listed on his policy as drivers. If you have your own car insurance, then your rates could be affected by the accident, even though your insurance company does not pay for the damages. They would nlt learn of the accident until they run your driving record that may show the accident. However, some insurance companies do not charge for accidents on icy roads.If you do not have your own car and insurance, then your dad's insurance company may ask to add you as drivers to his insurance policy. If you do have your own insurance, you can tell his insurance company about your own insurance, so they will have the information going forward."|"He slid the vehicle on an icy road into a tree and messed up the fender. We drive the car but it is still named to my dad. Does his insurance cover everything since we don't have a policy on it?"|"2012-12-26 12:27:56"|"24441"|"Grottoes"|"VA"|"https://insurance.freeadvice.com/insurance-questions/my-husband-wrecked-my-dad-1751.htm" "2012-12-23 20:49:27"|"auto-insurance-qa"|"I was involved in an accident, in 6/12 which we both say it was the others fault. The police report says it was my fault. My insurance agrees with me."|"If you were involved in an auto accident you report the incident to your insurance company. They investigate, including reviewing the police report and your statement of the accident. They then determine if you were at fault or not. Since the police were not at the scene when the accident happened, they can only give their opinion as to who was at fault, and your insurance company may not agree.If the other insurace company is contacting you for repairs or reimbursement of what they paid for the damages to their insured, you should send any paperwork to your insurance company. If the other insurace company calls you, refer them to your adjuster. The other insurance company must work through your insurance company. If you are sued, you again need to contact your insurance company to represent you in court. If the other insurance company wins a judgement against you, then your insurance company must pay whatever is determined, as long as it does not exceed your liability limits."|"The other insurance company paid for their repair. I had no comprehensive and repaired my car myself. I have liability of $50,000. My insurance says they won't pay for repairs to the other car around $11,000. Now I am getting collection notices from a collection agency on behalf of the others insurance company. The police pictures don't show how the vehicles were sitting, or the damages very well. I signed a paper saying I was not going to pursue the other insurance company for repairs on my car (since it was minor and I am a very handy person)because I enjoy working on cars. What should I do?"|"2012-12-26 12:32:43"|"60073"|"Hainesville"|"IL"|"https://insurance.freeadvice.com/insurance-questions/i-was-involved-in-an-acci-1749.htm" "2012-12-23 09:36:23"|"auto-insurance-qa"|"does liability insurance costs go up after your license are reinstated?"|"Auto insurance companies determine the cost of your insurance based on your driving record. They generally use the last three years for minor infractions, such as speeding, or stop signs, but for major violations they will go back 5 to 10 years. Each isurance company is differant, and the laws of the state will often affect how they rate for major violations. Also a suspended or revoked license affects the rates.When you are nearing the reinstatement date for your license contact insurance companies for a quote for your insurance. Some will deny a quote due to your record, but there are insurance companies that specialize in drivers with less than stellar records. You will pay more to begin with, but as you go forward, and if you have no more tickets or accidents, you will start to see the rates go back down. Be sure to get multiple quotes as the rates can vary dramatically between insurance companies."|"My license were revoked due to evading and eluding in nc. I can get them back in April, 2013. Will by liability insurance costs go up because of the suspension?"|"2012-12-26 12:37:41"|"28601"|"Bethlehem"|"NC"|"https://insurance.freeadvice.com/insurance-questions/does-liability-insurance--1748.htm" "2012-12-20 21:47:43"|"auto-insurance-qa"|"I was driving someone else's car and they don't have insurance to protect other drivers. I got in a collision. Whats gonna happen?"|"If you were driving another person's car and they had any kind of insurance, they must have liability insurance. Liability insurance not only covers damages to other cars (property damage) but also for injuries to others in the accident (bodily injury). Insurance follows the car, so your insurance would not be involved unless the limits of insurance for the owner of the cart are not sufficient to pay for the damages and injuries to all parties in the accident.If you are contacted by the other driver's insurance, refer them to your friend's insurance company, or to him to refer them to his insurance. If you are advised the insurance for your friend was not enough, then you need to report the incident to your insurance company and let them handle any additional settlemet with the other driver. Do not try to settle this on your own.If you are contacted by your friend's insurance company, cooperate with them by advising what happened. They will need your statement to settle the claim with the other driver."|"I hit another car and they reported the collision and both insurance companies now I just have not heard anything yet other than my side of what happened. Also, one person in the car I hit seems to be faking injuries and she got some tests done and she was ok. Will I have to pay for those too even if she's faking it? Whats gonna happen next?"|"2012-12-26 12:43:04"|"93291"|"Visalia"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-was-driving-someone-els-1746.htm" "2012-12-20 08:01:59"|"auto-insurance-qa"|"What happens if they cant get a hold of him?"|"If you are in an auto accident and the other driver is responsible, his insurance company needs to speak with their driver before they can work on a settlement with you. If the other driver does not return the phone calls of his insurance company, they will continue to contact him, but won't offer a payment to you.If you have collision insurance on your car, and the damages are over your deductible, then you can ask your insurance company to pay for those damages. They will then contact the other insurance company and try to work out a settlement with them. They may be able to push them to settle even if they cannot speak with their client. If they can settle with the other insurance company then you will get your deductible refunded. However, if they cannot reach a settlement, you will be out your deductible. At that point you could file a claim in small claims court to try to force the other driver to respond."|"I was driving in Orlando with 3 friends. Traffic was hectic and i got into a right line to make a right onto the next intersection. The right lane was moving slow and at one point we were at a stand still. A truck that was parked to the right of my car took that moment to back straight into the passenger side of my car damaging both doors almost evenly. I had the other driver write down his insurance information (but no phone number or address) and told me he knew it was his fault. Police came but made no report. Now the at fault driver isnt answering calls from his insurance co. What now?"|"2012-12-30 15:52:11"|"32899"|"Kennedy Space Center"|"FL"|"https://insurance.freeadvice.com/insurance-questions/what-happens-if-they-cant-1745.htm" "2012-12-19 16:41:46"|"auto-insurance-qa"|"What can I do if I was hit by someone who doesn't have insurance?"|"If you are involved in an auto accident with an uninsured driver, and you don't have collision insurance, you are unfortunately a victim of this circumstance. First, see if your insurance policy included uninsured motorist property damage. If it does not, you should be eligible for some compensation under that coverage. There is a dollar limit, usually around $3,500, but it is better than nothing.If you did not have that coverage, then you have the option of taking the other driver to small claims court to see if you can get any reimbursemet from them for the damages. You should also contact the police department and Dept of Motor Vehicles to try to get the driver cited for driving without insurance and get her licese suspended. This doesn't really help you, but it may get her off the road. If she was cited it could also help you in small claims court."|"I was driving & someone hit my car & she isn't insured, my car is totalled & since I don't have collision coverages on my policy I've been told I'm out of luck. No car no money from insurance company or the person who hit me. How is this legal, she brakes the law & now I have no car & no one will provide me money for it."|"2012-12-28 16:17:39"|"06479"|"Plantsville"|"CT"|"https://insurance.freeadvice.com/insurance-questions/what-can-i-do-if-i-was-hi-1743.htm" "2012-12-18 13:19:03"|"auto-insurance-qa"|"What are my options to get compensated for damages to my vehicle after an accident caused by an uninsured driver with a suspended license in FL?"|"If you were in an auto accident with an uninsured driver, then you will need to file a claim with your insurance company, presuming you have collision insurance on your car. The deductible for collision will apply. They may try to collect the amount paid out from the other driver, but it may be difficult to do so, since they may be difficult to find, and they probably don't have the money to pay for the damages. However, if they are successful, you will get your deductible refunded. Also, if you have uninsured motorist property damage coverage, your deductible may be reimbursed previding that you have the information on the other driver.If you do not have collision insurance, you have the option of going to small claims court to try to get reimbursed for your damages. Since the accident was not your fault, your rates for insurance will not be affected, even if your insurance company pays for your damages. "|"Uninsured driver stated he had coverage at the scene. We have a police report and he was cited for the accident and driving with a suspended license. No personal injury. Three vehicles involved. Uninsured driver rear ended the car behind ours, which then hit and damaged our car."|"2012-12-28 16:37:10"|"33154"|"Bal Harbour"|"FL"|"https://insurance.freeadvice.com/insurance-questions/what-are-my-options-to-ge-1741.htm" "2012-12-14 13:46:22"|"auto-insurance-qa"|"A frind of mine was in an accident while driving my truck (12/5). I have full coverage so why is my insurance co saying they may not fix it?"|"If you were rearended by another car then their insurance should pay for the damages to you. The other driver is not required to have a driver's license from your state, as long as they have a license somewhere. Presumably they have car insurance somewhere.The police report takes around 10 days to 2 weeks to be completed. You can get a copy when it is ready, but your insurance company, as well as the other driver's insurance company will get a copy of the report. However, it is only a portion of the settlement process.If you are going through your insurance company, your deductible will apply for collision damage until they settle with the other company. If your damages are below the deductible, they will not pay for your damages. At that time you will need to go through the other insurance company. Since you were rearended, they should accept responsibility for the damages and will work out a settlement with you."|"my truck was hit from behind at approx mph, the other driver involved never applied his brakes before impact, and come to find out, he doesn't own a Nevada Drivers Licence, he was not written a ticket and I asked several times for his information and the officer on the scene snapped at me and said I would be given a copy of the police report in which all his information would be in there. It has been 9 days and I still have yet to see any such report! All this doesn't seem right to me, and that is why I am contacting you. What am I entitled to, and where do I go from here? Plz Help"|"2012-12-28 16:27:25"|"89061"|"Pahrump"|"NV"|"https://insurance.freeadvice.com/insurance-questions/a-frind-of-mine-was-in-an-1737.htm" "2012-12-13 22:04:15"|"auto-insurance-qa"|"can I insure my sister on my car insurance as a driver?"|"this is not an insurance issue. contact the lender or an attorney"|"when I renewed my auto insurance I had a dui but my insurance company said I could add my sister bc my licence had been suspended, I did and I was not a licenced driver on there. I went to pay my car note and show my insurance to the car company .. They took my keys and refused payment. Is this legal? They said the insurance company did that illegally."|"2012-12-16 22:08:13"|"36541"|"Grand Bay"|"AL"|"https://insurance.freeadvice.com/insurance-questions/can-i-insure-my-sister-on-1735.htm" "2012-12-13 09:28:40"|"auto-insurance-qa"|"Can an insurance company make me release my car?"|"If you were in an auto accident and the other person was at fault, then the insurance company for the other party must pay to repair your car. If your car was considered a total loss, then they must pay for the actual cash value of your car. That would be the current value of your car, not necessarily what you may feel your car is worth. However, you may try to prove a greater value of your car, if you feel the offer is not enough. Talk to the adjuster if you have an problem with the settlement offer.Once a settlement is made, you must give the other insurance company your car and remove your personal belongings and plates. If the offer was in a reasonable amoutn of time, this should not be a problem for you. If you need additional time, call the adjuster and ask for an extension. "|"I got into a car accident 6 days ago. A car came across the yellow line and hit me head on. I have 15 stitches on my head and I am walking on crutches. The other ins. company is demanding I release the car today and remove my personal belongings and my plates from the car. Can they do this?"|"2012-12-16 22:48:30"|"03223"|"Campton"|"NH"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-company--1734.htm" "2012-12-11 01:49:27"|"auto-insurance-qa"|"A travelers client hit my car in the parking lot. She gave her insurance, and her info. But travelers insurance denied even though I have all proof."|"The problem with parking lot accidents is that there is rarely a police report and very few witnesses. Drivers involved in such accidents often decide that they did not cause the accident, or that it did not even happen.In your case, you do have a written note fro the other driver admittig fault. However, if it is not signed, the other driver can deny writing the note. The adjuster for the other driver will need to take the statement that their insured gave them.You can ask to speak to a supervisor with the other insurance company and see if they will review the claim including the note and the matching paint. If they refuse, or deny the claim the other thing you can do is present the claim to your insurance company, if the damage is over your deductible. They will then try to subrogate the damages from the other insurance company and if successfl, your deductible will be reimbursed. However, if not successful, you will be out your deductible. If the claim remains that the other party denies involvement, you can claim it as a hit and run, so your rates will not go up."|"Travelers client hit my car in the parking lot, she gave me her insurance and her info, but lately she said to travelers that she didn't hit my car. I file a claim with travelers and travelers adjuster found that the dent in my car matched with the height of the travelers client car, and the color of the travelers client still left on my car. But travelers adjuster denied my claim because travelers client said that she didn't hit my car. When I gave them the piece of paper that travelers client wrote down her info and her insurance, travelers adjuster still denied the claim. Please, help me."|"2012-12-11 16:03:06"|"75007"|"Carrollton"|"TX"|"https://insurance.freeadvice.com/insurance-questions/a-travelers-client-hit-my-1733.htm" "2012-12-10 18:52:31"|"auto-insurance-qa"|"a man hit my doors while i was loading my son in his car seat and took off. His insurance company is blaming me. why is it my fault if he hit me?"|"If your car is hit by another driver while your door is open, the other insurance company should accept responsibility for the damages. You say the other driver took off, so it is uncertain how you know who his insurance is with. If he left the scene of the accident, you can report the incident to the police which will complicate his standing in the claim.If you were in the process of opening the door when your car was struck, then the fault of the accident is yours. You must be sure the area is clear before opening a door. However, if the door was already open, then the other driver is responsible to take care and not strike the door.Try to discuss the claim with the other insurance company and ask for a supervisor. If they still deny the coverage, you can report it to your insurance company which will pay for the damages, less your deductible and will then go after the other insurance company. "|""|"2012-12-11 16:08:08"|"93030"|"Oxnard"|"CA"|"https://insurance.freeadvice.com/insurance-questions/a-man-hit-my-doors-while--1730.htm" "2012-12-09 15:45:53"|"auto-insurance-qa"|"Driving girlfriend's car"|"If you do not own a car and live with your girlfriend, her insurance on her car will protect you, and her, in the event of an accident. Insurance follows the car, so if there is an accident caused by you in her car, then her insurance will respond. The insurance company should be advised that you are a driver in the household, although it is not required. If there is an accident involving you as a driver, the insurance company will follow up and ask for you to be added to the policy or they may exclude you. If your driving record is good, adding you as a driver might not affect the premium. Rates are based on the age, driving experience and driving record of drivers in the household. It msy be better to add you to the insurance policy now rather than waiting for something bad to happen."|"I live with my girl friend and do not have a car or car insurance. I use her car to drive to work 3 days a week and also drive our son ( who lives with us) places. Am I covered under her insurance? If not what do I need to do? If there was an accident what would happen?"|"2012-12-11 16:13:21"|"56308"|"Alex"|"MN"|"https://insurance.freeadvice.com/insurance-questions/driving-girlfriend-s-car-1727.htm" "2012-12-09 14:59:02"|"auto-insurance-qa"|"Am I at fault if I hit an illegally park vehicle?"|"If you back into another car, even if it is illegally parked, the cause of the accident is usually the fault of the driver who was backing. While you did not expect a car to be where it was, you are responsible to back safely. There could have been a child or pedestrian behind you, so you must look carefully before backing up.You can see what the damages are for the other car, and you may decide to pay for the repairs yourself. If not, and the damages exceed $750 to $1,000 your insurance company will charge you for the accident. However, since you have already spoken to your insurance company you should go ahead with the claim through them. Remember, there is no deductible for the damages to the other car. If you have collision damage, your deductible for collision will apply before the insurance company will pay for your damage. You do not need to have your car repaired."|"I was backing out of my parking space in front of my home at night & did not see the vehicle behind me parked in a no parking zone. I drive a truck & the car I hit was black & I did not see it. My insurance said I'm am fault."|"2012-12-20 11:03:19"|"20706"|"Glenarden"|"MD"|"https://insurance.freeadvice.com/insurance-questions/am-i-at-fault-if-i-hit-an-1726.htm" "2012-12-07 15:33:58"|"auto-insurance-qa"|"Does roof damage total out a truck"|"The issue of a total loss on a vehicle is based on many variables.. The damage of a dent on the roof and door would not necessarily be considered a total loss, unless the vehicle is old.You will need to get an estimate as to the current actual cash value of your vehicle. You will then need to get an estimate as to the cost of the repairs. The deductible will apply to the costs. If you have submitted a claim to your insurance company, they will start the process of obtaining the estimate for repairs and compare it to the value of the vehicle. However, you too should educate yourself as to the costs and values so you will be able to negotiate with the adjuster. If you do not agree with the adjuster as to the value of your vehicle, you will have to prove your case. You can use local dealer values and the internet, but must use local costs, as they can vary widely over the country."|"My truck roof is dented in right above my passenger door and one door is also dented . Is this going to total my truck?"|"2012-12-20 11:43:47"|"37760"|"Jeff City"|"TN"|"https://insurance.freeadvice.com/insurance-questions/does-roof-damage-total-ou-1723.htm" "2012-12-05 14:02:37"|"auto-insurance-qa"|"Deductible"|"If you were rearended, then the other insurance company should be handling the claim for the damages to your car. Presumedly, you have been working with the other insurance company and not your own. If you have gone through your own insurance company, then the deductible will be paid by you until your insurance company subrogates against the other insurance company. If they get the full amount back from the other company, you will be reimbursed for your deductible.If you have gone through the other company, call the adjuster and have him call the repair shop about the $500. This should be an easy fix and simply a paperwork issue.If you had the rental car in your possession when the car was broken into, you may be responsible for the damage to the car. Again, if the other insurance company is paying for the rental car, talk to the adjuster about the damage to the car. This would be considered a comprehensive loss, not collision, so the deductible, if you are responsible, may be lower. You also need to review the rental agreement for the car to see if you signed an acceptance of the deductible."|"I live in NJ. my car was was hit from behind. Claim was filed, and I was given a rental, and car went to the shop. The rental was broken into yesterday. They broke the lock of the door. Enterprise is charging me 500 deducitbile. Should I be responsible for paying that? It was not my fault. Also the body shop is saying I need to pay them 500 deductible. I was hit from behind, shouldn't the other person's ins pay? I am getting charged 1000 for two things that were not my fault :("|"2012-12-11 16:40:44"|"07104"|"Newark"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/deductible-1719.htm" "2012-12-05 11:54:05"|"auto-insurance-qa"|"What can I do if I strongly believe that the insurance company has made a unfair decision on a claim?"|"When you are involved in an auto accident and the other car is on your right as you attempt a right turn, the insurance copanies are usually going to consider you as the at fault driver.If the lane being used by the driver on the right is a bus only laee, you will need to prove that the lane is bus only full time. Many bus only lanes are multiple use at different times of the day.If there was a police report, you may be able to review it to see if there is any supporting evidence for your side. If so, talk to the adjuster to try to change their opinion. You did not indicate which insurance company is saying you are 90% at fault - whether it is your insurace company or the other driver's insurance. If it is the other driver's insurance, talk to your company about the accident and see if they are agreeing or not with the other company's assertion. If they do not agree, then they will have to work out a compromise with the other company. They will often go to arbitration and see how it works out."|"I was recently involved in a car accident. I was on the second lane from the right because the first lane was for bus only and I was waiting for the traffic light to turn green. At the time I was waiting for the light to turn green, there were no cars onto my right hand side. I switched my signal lights on and slowly made a legal right. This other car came zooming on a bus only lane and struck my car. The insurance is asying he was going straight so its my fault but the he came from behind me and tried to overpass on the right hand side on a bus lane. The insurance is saying I'm 90% liabile"|"2012-12-28 16:12:11"|"10009"|"Manhattan"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-can-i-do-if-i-strong-1718.htm" "2012-12-03 13:07:53"|"auto-insurance-qa"|"can i handle my own claim against the other drivers ins co. since it was not my fault, and they received the citation?"|"If you are involved in an auto accident and the other driver was at fault, you can work directly with their insurance company for repairs to your car. Contact them and see if they accept liability. It is possible that their driver has reported the claim, but they could say they were not at fault. If the other insurance company denies coverage, then your other option is to contact your insurance company. They will then pay for your damages, less the deductible. They will then try to get reimbursement from the other insurance company. If they are successful, then you will get your deductible back. If it is determined the accident is not your fault, then your rates will not be affected. However, if the other insurance company denies responsibility the companies will have to work together. If it is dertmined to be your fault, then your rates will go up."|"do i have to report the accident to my ins company? i was not at fault/cited. other driver was. can i contact their ins company on my own? i was told my premiums will raise if i report an accident even without fault. "|"2012-12-06 10:16:24"|"73109"|"Oklahoma City"|"OK"|"https://insurance.freeadvice.com/insurance-questions/can-i-handle-my-own-claim-1714.htm" "2012-12-02 20:30:57"|"auto-insurance-qa"|"Approved Body Shop said I needed to replace the rear quarter panels, when the left rear corner hit a guard rail during accident. "|"Your situation with the claim on your damaged quarter panels seems very unusual. You claim that the body shop held your car for five years while repairing the car. It is very unlikely that an insurance company would hold a claim open for five years to repair the quarter panels. You also indicate speakers were stolen, but if the car was in an accident, the speaker theft sounds like a different claim.You need to talk to a supervisor in the claims department to try to settle the claim. Again, a five year repair is not going to come out well since the car is now five years older than when the claim started. If you bought additional parts, without authorization from the insurance company, you may be out that money. If you doubted the honesty of the repair place you should have indicated this right away and moved the car to another location."|"Original shop messed the repair up, ran the bill up on me, and held the car 5 yrs. Now, State Farm refuses to repair the rear quarter panels because I bought new ones per the sops advice. They also refuse to replace my stolen speakers. The shop charged State Farm for new after market fender, and hood. But, they were full of body putty, and State Farm refuses to replace them. So, isn't State Farm responsible for the actions of their approved shop?"|"2012-12-11 16:25:26"|"46222"|"Indianapolis"|"IN"|"https://insurance.freeadvice.com/insurance-questions/approved-body-shop-said-i-1713.htm" "2012-12-01 19:04:19"|"auto-insurance-qa"|"Is the damage to my car in his driveway all my fault?"|"If you had an accident due to slippery road or driveway the responsibility is yours. The property owner is not responsible for the fact that there was ice on the driveway. You were driving the car and lost control. This would be considered an at fault accident.You should get an estimate before you report the incident to your insurance company. If the damage is under your deductible, then there is no reason to report the claim. If it is over the deductible, make sure the amount you will receive is sufficient, as your rates could go up for the accident. The surcharge would be for three years, and could end up costing you more than the amount you will get from the insurance.If the damage is high enough go ahead and report the incident to your insurance company. If the storm was significant, it is possible the company will consider it a catastrophe and then would not surcharge you."|"I just slid down my friend's icy driveway and into a brick post. Is he at fault at all, or must I pay my deductible and have that against me on my insurance?"|"2012-12-03 10:38:02"|"01040"|"Holyoke"|"MA"|"https://insurance.freeadvice.com/insurance-questions/is-the-damage-to-my-car-i-1712.htm" "2012-12-01 06:17:13"|"auto-insurance-qa"|"What will happen with my insurance if i sell the car ?"|"If you sell your car, you no longer have an interest in it so the insurance should be cancelled. You should also report the sale to the Dept of Motor Vehicles, in case the buyer does not register the car promptly. If they don't you could be held responsible for an accident. However, if you tell the Dept of Motor Vehicles that the car was sold, you will have no responsibility.If you are going to buy another car soon, you can keep the insurance in force so that you won't have to start up a new policy. The insurance will automatically cover the car that you buy as long as you tell your agent or insurance company within 10 days that you bought the new car. The insurance you had on the previous car will be the same as the new car within the 10 day period."|"What will happen with my insurance if i sell the car ?"|"2012-12-03 10:42:30"|"12500"|"NULL"|"NULL"|"https://insurance.freeadvice.com/insurance-questions/what-will-happen-with-my--1711.htm" "2012-11-30 11:04:32"|"auto-insurance-qa"|"Do auto insurance companies replace paint protectants (a plastic shield over part of vehicles to protect from chips and scratches) in a total loss "|"If your car was considered a total loss due to a not at fault accident, your insurance company will pay the actual cash value of the car. This is determined by the insurance company through current value determinations through Kelly Blue Book, and other car pricing companies. The actual cash value is not always going to work as to the amount you owe on the car if you have a loan.You can ask the adjuster to review the amount being offered for your car. You can include the cost of the protectants that you had added to the car at the time of the purchase, but the adjuster may not accept the additional costs. You should check around to be sure the value being offered is the current value of your car, as a used car. It is no longer a new car, so the value will be lower than the cost new. You can check with local dealers and ads as well as the internet, but the values must come from your area, as costs vary throughout the country."|"My 2012 vehicle was involved in a hit and run where the car behind me rear ended me and took off. The car was declared a total loss from my insurance company. Being a brand new car, I had protectants placed on my car for paint, fabric, and glass which would be included in a repair, but, my insurance company says not in for a total loss and not part of the settlement. Is this correct or should I persue further actions?"|"2012-12-11 16:46:04"|"55409"|"Minneapolis"|"MN"|"https://insurance.freeadvice.com/insurance-questions/do-auto-insurance-compani-1710.htm" "2012-11-29 13:48:58"|"auto-insurance-qa"|"What is my liability and will my rates go up?"|"If you loaned your car to a friend, your insurance on your car will pay for any damages to the other car If they left the scene of the accident, that is a problem they will have to work out with the police. You should suggest that they go to the police about the accident.You need to call your insurance company and explain what happened. Unless you have a named driver policy, your insurance company will work with the other insurance company to work out repayment for the damages caused by your friend. If there is damage to your car that will come under your collision coverage, and subject to your deductible.Your rates will not increase if your friend is not listed on the policy. His rates could go up, if he has his own car insurance. Your insurance company will ask about your friend, and may ask to exclude him from your policy."|"I loaned my car to a friend. They backed into an unoccupied car and left the scene. I recieved a call from an insurance company. Where do I go from here, should I contact an attorney? I live in PA."|"2012-12-06 15:03:25"|"19121"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/what-is-my-liability-and--1708.htm" "2012-11-29 12:19:52"|"auto-insurance-qa"|"Is it reasonable for someone's insurance to charge you $2000 for a small dent that you made on their trunk?"|"If you and another party were both backing and struck each other it is likely that the insurance companies will have each driver's insurance company handle their own damage. That would mean your insurance company pays for your repairs and the other company pays for its client.You need to report this to your insurance company and let them work with the other insurance company and come to a settlement. If you are considered responsible entirely for the accident then your insurance company will pay the other person's damage. They will determine the proper amount for the damages caused. However, it is unlikely they will take full responsibility of you were both backing up.If you don't have insurance then you may have a problem as the other insurance company may try to get reimbursement from you for the damages. Without insurance it is more difficult to work with the other company regarding fault. You may be better served to refuse to pay. If the insurance company wants to pursue it in small claims court you can present that you were both responsible and you could win."|"I was backing up while he was backing up too and we both did not see and made a small crash."|"2012-12-06 10:11:34"|"92105"|"San Diego"|"CA"|"https://insurance.freeadvice.com/insurance-questions/is-it-reasonable-for-some-1707.htm" "2012-11-29 08:15:09"|"auto-insurance-qa"|"My car was stolen 3 weeks ago, it has just been found after commintting a robbery. Now it has been found can i refuse to take the car back??"|"If your car was stolen and recovered before a settlement offer from your insurance company, you cannot decide not to take the car back. The insurance company will inspect the car and determine the damage done during the time the car was gone. If it is below the actual cash value of your car, they will pay for the damages, less your deductible. If the damage exceeds the actual cash value of the car, the insurance company will offer you a settlement as a total loss.After the claim is settled, you can, of course, sell or trade the car in for another vehicle. However, there is no option to abandon the vehicle due to it being stolen. There is a clause in the policy that prevents the abandonment of a car, for any reason. Discuss your concerns with the company or your agent."|""|"2012-12-09 15:14:45"|"04001"|"Acton"|"ME"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-stolen-3-weeks-1704.htm" "2012-11-27 11:38:33"|"auto-insurance-qa"|"Yesterday I rear ended a car and they do not have any car insurance at all. "|"If you cause an auto accident bo rearending the other party, you are responsible for the damage done to that car. The fact that they did not have any insurance had no cause for the accident. The question of insurance should be handled by the police, if they were called to the scene. While it may be frustrating to be involved in an accident with someone who does not have insurance, it was not their fault that you were unable to stop when they stopped. You were apparently following too closely.You need to call your insurance company or agent to file the claim. The adjuster will investigate the accident and work with the other party to repair the car and pay for any injuries that may have been incurred. If you have collision coverage, your isurance will pay for your repairs, subject to the deductible."|"Yesterday a car slammed on breaks in front of me and I rear ended them. They do not have any car insurance at all. Am I responsible for the damages to their car when technically they should not even be on the road driving at all? "|"2012-11-29 09:35:22"|"39401"|"Arnold Line"|"MS"|"https://insurance.freeadvice.com/insurance-questions/yesterday-i-rear-ended-a--1701.htm" "2012-11-26 18:31:46"|"auto-insurance-qa"|"does my insurance pay for damages to a car that I hit ?"|"Auto insurance pays for damages you cause due to an accident. This includes backing out of a parking space. You feel the other driver was going too fast, but in most cases, the car that is backing into the traffic lane is found to be at fault.You should report the incident to your insurance agent or company. They will investigate the incident and will settle with the other driver for the damages to their csr. If you have collision insurance you will be covered for your damages, less your deductible. Depending upon the amount of damages involved, your insurance rates may go up. Talk to your agent about this. Usually, if the damages are over $750 you will see an increase in your rates. This usually last for three years. You could choose to pay for the damages to the other car, if you can afford it, but if the damages are too high, you are better off with using your insurance."|"I was backing up in a shopping center lot. a car came speeding by. I hit him, scraping my car and causing dents. Does my insurance pay for damages to his car?"|"2012-11-27 09:52:20"|"34134"|"Barefoot Beach"|"FL"|"https://insurance.freeadvice.com/insurance-questions/does-my-insurance-pay-for-1700.htm" "2012-11-26 15:49:43"|"auto-insurance-qa"|"Parked Car Damaged."|"If your parked car is struck by another driver, their insurance is responsible to repair your car. The fact that there was a medical episode does not make them less liable for the damages. You should contact the other person's insurance company and try to work our a settlement with them. Since the other driver also struck a building, there could be an issue of whether they have enough insurance to pay for your repairs and the repairs to the building. Their property damage insurance limit will be the deciding coverage for the damages.If you have trouble with the other insurance company, you can file a claim under your insurance company. They will pay for your damages, less your deductible. They will then try to subrogate against the other insurance company. If they are successful, you will get your deductible back. Also, if the other insurance limits are used up, and you have underinsured coverage for collision damage, you could get reimburse through that insurance coveragae."|"My legally parked car was sideswiped and damaged after a motorist "passed out" due to a medical episode. I am told the claim should be made to my insured company since the driver had a medical episode. The vehicle also hit a buidling after striking my vehicle."|"2012-11-27 09:57:24"|"47280"|"Taylorsville"|"IN"|"https://insurance.freeadvice.com/insurance-questions/parked-car-damaged-1699.htm" "2012-11-25 21:54:39"|"auto-insurance-qa"|"Claim with the other insurance"|"Parking lot accidents, when both cars are backing up, usually result in both insurance companies paying for the damages to their own insured's cars. No one is satisfied with the settlement of these accidents because of this.Even though you stopped when you saw the other car backing up, you were still partially at fault for the accident. You can file a claim with the other person's insurance company, but after they get the other person's statement they may deny coverage and tell you to file with your own insurance company.If you file with your insurance company, your deductible will apply. They may try to get reimbursement from the other insurance company, and if successful you will get your deductible back, but you may have to settle for what you get from your insurance company. You may also find that the other company will try to subrogate against your insurance company, but they probably deny their claim."|"I got hit in a parking lot while backing up I saw another car starting to back up, I stopped but she came in reverse and hit me. Made a delayed accident report. Should I provide this to her insurance co. With my claim?"|"2012-11-27 10:02:24"|"33445"|"Delray Beach"|"FL"|"https://insurance.freeadvice.com/insurance-questions/claim-with-the-other-insu-1698.htm" "2012-11-24 10:32:41"|"auto-insurance-qa"|"i am fully covered and i hit someone else s car backing out of my driveway ..do i have to pay a deductible to fix their car?? "|"If you cause an accident while backing out of your driveway, your insurance company will pay for the damages to the other car. There is no deductible for damage to the other vehicle. If your car was damages, and you have collision coverage, you can get reimbursed, but your deductible will apply for that damage.You should also see what the amount of damage is to the other car. Sometimes, if the damage is small, you can pay for the damage yourself and not get your insurance company involved. If you file a claim, and the damages are over a certain amount, usually around $750, your insurance rates will go up.If you can't afford to pay for the repairs, or they are higher than you thought, file the claim with your insurance company and let them settle the claim with the other party."|""|"2012-11-27 10:06:44"|"77356"|"Montgomery"|"TX"|"https://insurance.freeadvice.com/insurance-questions/i-am-fully-covered-and-i--1696.htm" "2012-11-23 20:42:52"|"auto-insurance-qa"|"can an insurance co. give me an estimate for damage then turn around and say were not paying you settle it with the driver"|"If you were in an accident and the other driver was at fault, you are entitled to a settlemment from the other driver's insurance. You indicate that you had a phone conversation with the adjuster who offered an amount that you agreed upon, but then recanted.You need to call the insurance company and find out why they have decided not to settle the claim with you. It is possible the policy was not in force at the time of the accident, or that the other driver gave a statement saying they were not at fault. Have the adjuster explain their change of the decision. If they refuse, ask to speak to a supervisor.You do have the option to go through your insurance company for the repairs, presuming the damage is over your deductible. Your company, after paying for the repairs, will subrogate against the other insurance company and if successful you will get your deductible returned. They can also find out why the other insurance company decided not to settle the claim with you."|"driver at faults ins. co .says there not paying me after we agreed on the phone of $900 damage say I have to collect from the driver who lives in another state"|"2012-12-17 14:12:30"|"97801"|"Cayuse"|"OR"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-co-give--1694.htm" "2012-11-20 19:22:44"|"auto-insurance-qa"|"I was under car accident as passenger, if the driver has not insurance coverage will be my mom insurance policy increase on the next premum"|"If you were a passenger in a car that caused an auto accident, and the driver did not have insurance, the only recourse you have is with your own insurance.Your insurance policy will need to include medical payments coverage if you are asking for reimbursemet of medical expenses. The most you can collect is under that amount. You might also be able to collect through the uninsuredunderinsured coverage of your policy You need to call your agent or insurance company to file the claim. Give them the details of the driver of the car who caused the accident. If your insurance company ends up paying you for your injuries they may try to collect from the other driver, even though he did not have insurance.Since you were a passenger, the accident is not considered to be your fault. Your insurance company will not increase your rates for this claim, even though they will pay out for the accident."|""|"2012-12-12 12:01:37"|"32805"|"Orlando"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-was-under-car-accident--1689.htm" "2012-11-19 16:35:51"|"auto-insurance-qa"|"insurance is not giving m enough to repair my car"|"If your car was damaged by another party by them backing into you, their insurance company should pay for your repairs. However, if the car's actual cash value is lower than the repairs, then the other insurance company is only required to pay the value of the car.You need to talk to the adjuster and have them explain why they are only offereing the lower amount. If it is because the car is considered a total loss, then you will need to try to work on getting a higher amount for that value. You can do this by checking local ads for the same car. You can also use the internet to check values, but they must come from your area, since car values can be very different in other parts of the country.If the adjuster is not considering the car a total loss, then you need to find out why they are offering such a low amount."|"some one back up on my car when the car was park. he hit the bumper and rear quarter panel which need to be replace.i have an estimate from two shops that the cost of the repair are around 6000, the insurance company is only giving me 1700 what can i do?"|"2012-12-06 10:05:24"|"85205"|"Mesa"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/insurance-is-not-giving-m-1687.htm" "2012-11-19 10:38:42"|"auto-insurance-qa"|"is it illegel to change your coverage knowing that you might get into a accident?"|"If you have safety issues with your car, and you want to chane your insurance, there is no "law" that prevents you from changing your insurance. However, there are some insurance companies which will inspect your car before they will write your insurance. If you have an accident that is your fault due to the brakes not working you could have an issue with law enforcemtn for driving an unsafe car. That would be an issue with the police. However, there is nothing in the auto policy that says you must declare if you know there is a mechanical problem with your car. Of course, it is not a good idea to drive a car with bad brakes, especially in the winter time when things are much more dangerous. You may be better served by fixing your brakes before changing the insurance unless you can find an insurance company that is less expensive and you can then better afford to fix the brakes."|"currently i barely have any brakes on my car and i dont know whether to change my policy just in case until i get my car fixed"|"2012-11-29 10:27:25"|"44883"|"Fort Seneca"|"OH"|"https://insurance.freeadvice.com/insurance-questions/is-it-illegel-to-change-y-1684.htm" "2012-11-17 15:45:18"|"auto-insurance-qa"|"Is it necessary for me to purchase medical insurance coverage from my auto insurer "|"You are never required to buy medical insurance on your auto insurance policy. By law, the only insurance you must purchase is liability insurance. All other portions of the policy are by choice, as your needs and finances dictate.The advantage to medical insurance under the auto policy is that it also covers those in your car with you. If they do not have medical insurance, or not enough insurance, or a high deductible, they can experience a financial loss. If the accident is not your fault you have no obligation to them, but for the cost you may be able to assist them. You might check into the cost of the coverage. In addition, it will cover you if you are a pedestrian and struck by a vehicle. It ca help you cover your deductible or co-pay under your medical coverage.If you cause the accident, then your liability coverage, under the bodily injury portion, will pay for their injuries, up to the limits of the policy. Medical coverage would be in addition to your liability coverage."|"Is it necessary for me to purchase medical insurance coverage from my auto insurer if I already have medical insurance. My primary insurance is Medicare and my supplemental insurance is Blue Cross/Blue Shield of NJ. Will my primary and supplemental insurers cover injury due to an auto accident. Please advise. My policy is up for renewal. Thank you"|"2012-12-06 13:02:39"|"08854"|"Piscataway"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/is-it-necessary-for-me-to-1681.htm" "2012-11-15 06:31:40"|"auto-insurance-qa"|"Is there a way an insurance company could assist with a vehicle that was stolen while parked in company grounds. "|"If your car was stolen from any property, and you have comprehensive coverage on the car, the insurance compamy will work with you to settle the claim on your car. The insurance company really can't assist with finding the car. That would be up to the police. Presumably you have reported this to the police, as the insurance company will want you to do so. The comprehensive coverage does have a deductible, but any value to the car over that will be a part of the settlement with the insurance company. They will also help you with a rental car while settling the claim. However, the insurance company will not settle the claim until the car is gone for a minimum of 30 days, or is recovered by the police. the value of the car will be settled based on the actual cash value of the car at the time of a loss. If you had updated items on the car, you need to show proof of this to get the value of the add-ons."|""|"2012-11-29 10:32:32"|"96921"|"Barrigada"|"GU"|"https://insurance.freeadvice.com/insurance-questions/is-there-a-way-an-insuran-1677.htm" "2012-11-14 14:34:51"|"auto-insurance-qa"|"should I pay out of pocket if I hit a parked car?"|"If you hit a parked car you have two options. You can turn this in to your insurance company and they will settle the damage with the other party for the repairs. However, depending upon the insurance company's rules, they could increase your auto insurance rates for this accident.You may elect to pay for the repairs out of your pocket. If you decide to do this, be sure you get a qualified estimate from the other party's repair shop. You don't want them to come back and ask for additional money for additional repairs. Once you and the other person agree to an amount, get a signed ststement from them agreeing that the amount you paid is the complete amount.You should not have any issues as to being a reckless driver, even if you report the damage to your insurance company. The police will not be involved unless the other party calls them. You do need to make a decision about how you want to pay for the damages so you can get this resolved soon."|"I hit a parked car-to pay out of pocket will be $800. Should I just pay it or report it-will that make me a "reckless driver"? Also, the wreck was a while ago, is it too late?"|"2012-11-15 14:16:12"|"28205"|"Charlotte"|"NC"|"https://insurance.freeadvice.com/insurance-questions/should-i-pay-out-of-pocke-1676.htm" "2012-11-14 12:37:39"|"auto-insurance-qa"|"Am I liable for a car I told insurer not to cover but they kept on the policy for a half a year?"|"If you advised your insurance agent or company to remove a car and to replace it with another, they should have done as requested. If there had been a loss on the car that was insured in error, you would not have been responsible, since you did not own the car.The insurance company needs to reinstate the insurance on the car they wrongly removed. They then need to take off the car in question. There may be no difference in the insurance costs once the error is corrected. However, if the car that should hav ebeen removed costs more to insure than the other one (maybe it is newer) then the insurance company must refund the difference in the premium.Errors and omission insurance would have most likely protected you regarding the car that was not properly insured had there been a loss. However, it would not apply to the car that was wrongly insured, since there would have been no monetary loss regarding it, other than the premium."|"We bought a new car and sold an old one. We informed our insurance company of this. More than half a year later, we found out that the new car was added to our coverage, but the old car was not dropped. Instead, coverage had been dropped on a third car we own. We were told "errors & omissions" would have covered the wrongly dropped car had anything happened. Would we have been liable for the old car, now owned by someone else, if it had been in an accident? We also were not given any refund for the time the wrong car was covered because "errors & omissions" would have covered it."|"2012-12-12 12:07:26"|"61938"|"Mattoon"|"IL"|"https://insurance.freeadvice.com/insurance-questions/am-i-liable-for-a-car-i-t-1674.htm" "2012-11-13 12:43:16"|"auto-insurance-qa"|"Can my SSI be taken for car accident incident?"|"If you were involved in an accident in another person's car, the insurance for that car is responsible for repairs to the other party's car. Your girlfriend needs to report the accident to her insurance company and let the adjuster handle the settlement for the damages. If she had collision insurance on her car, then her damage will be covered, less her deductible.If she signs a statement that you took the car without permission, you could be charged with theft of an auto. Even though you didn't have permission specifically, if you have used the car previously, it can be presumed you had pemission to use the car. Even though her insurance will pay for the damages, her insurance will not increase presuming you are not listed on her policy as a driver. However, the insurance company may ask for evidence of other car insurance for you. If you don't have insurance, she will either have to add you as a driver under her policy, or exclude you. If you are added to the policy, then your driving record will have an effect on her insurance rates."|"I took my girlfriend's car without asking and was involved in a car accident. No one was hurt, but the insurance company of the other driver is pursuing my girlfriend for settlement. She wants to sign something that says that I took her car and that it wasn't her fault. Will the insurance company come after me then? Police were involved; I got a ticket and am paying towards that. I survive on SSI, so have a limited imcome."|"2012-11-13 12:53:43"|"55802"|"Duluth"|"MN"|"https://insurance.freeadvice.com/insurance-questions/can-my-ssi-be-taken-for-c-1670.htm" "2012-11-12 13:59:19"|"auto-insurance-qa"|"My boyfriend worked for a company & was a driver. During his work day on 10/2009 he had an car accident."|"talk to a lawyer"|"The company that he worked for, let him go, (fired him) & he was told their insurance Owner's insurance would take care of everythng because his insurance while driving his vehicle was thru them.It is now 2012 and he received paperwork & a phone call from an atty's office which he doesn't know from the company he use to work for or the plaintiff(the person he hit), They asked to pick up the paperwork & the paperwork states that they are summoning him to respond within 20 days of the filing 10/2/2012 & the attorney got in touch w/him on 11/7/12 & was asked that he respond but he recvd late?"|"2012-11-13 12:42:07"|"80202"|"Denver"|"CO"|"https://insurance.freeadvice.com/insurance-questions/my-boyfriend-worked-for-a-1669.htm" "2012-11-11 14:58:19"|"auto-insurance-qa"|"I just noticed scratches on the back of my car, does the fall under comprehensive or collision?"|"To determine which insurance will cover scratches to your car, you need to be able to determine what caused them. If you were in a parking lot, and the scratches look like damage caused by a car that backed into you, then the coverage would be under the collision coverage. Of course, the deductible will apply, but your rates will not be affected.If the damage looks like scratches caused by another source, such as animal scratches, or vandalism, such as your car being keyed, then that is comprehensive coverage. The deductible for comprehensive would apply to the damage and again there will be no affect to your rates.If you cannot determine the cause of the damage, the adjuster may decide it was collision damage. Make it clear that you didn't hit anything to be sure your rates are not affected. If it will affect your rates, I would suggest you pay for the damages yourself, as it will probably cost more than $200 if they charge for an accident."|"If the estimate is 200 more than my deductible, should I file a claim or pay out of pocket?"|"2012-11-13 12:47:41"|"80402"|"Golden"|"CO"|"https://insurance.freeadvice.com/insurance-questions/i-just-noticed-scratches--1668.htm" "2012-11-10 15:54:26"|"auto-insurance-qa"|"Can Geico really insure my 2 vehicles for 90.00 per month?"|"Each insurance company sets their own rates. Depending upon the state and the rules of the Dept of Insurance they either file the rates and await approval from the Dept of Insurance. In other states they "file and use" meaning they can set the rates and start using them without approval from the Dept of Insurance.Companies file their rates to target the customers they want to attract. The rates for each category of driver is based on the company's desire to write insurance for a particular segment of drivers. Some companies rates can seem extremely low based on other quotes from other insurance companies.If you provided the correct information to the agent or insurance company for them to arrive at a rate, then the quote you received is most likely correct. If you are still uncertain as to the quote you received you could go to another agent for the same company to see if it matches the original quote."|"I have Progressive. Just to check I got a quote from Geico. Same 100/300000 coverage for both cars, came in 1/2 the price of Progressive"|"2012-11-14 10:57:53"|"32940"|"Melbourne"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-geico-really-insure-m-1666.htm" "2012-11-09 11:14:06"|"auto-insurance-qa"|"Does Uninsured/Underinsured Motorist coverage respond if I am hit by a car while walking to cross the street legally ( in the cross walk with the gree"|"In the auto insurance policy, uninsured/underinsured coverage applies to someone in the car or as a pedestrian. If you were struck by another driver while you were walking across the street, the insurance for the other driver will apply to your injuries. If they do not have enough insurance coverage to pay for your injuries, you may file a claim under your uninsurend/underinsured coverage of your own insurance policy. You need to settle the claim with the other insurance company before you can file a claim under your policy. The other insurance company will wait until you have submitted all of your bills for the injuries suffered before they will offer a settlement.If the accident was a hit and run, you will need to file a claim under your policy. You can file for medical payment coverage as well as the uninsured/underinsured coverage. Some policies may not cover the medical payments portion for a pedestrian, but you should try."|"I was legally crossing the street when hit by a car, will my Auto policy Uninsured/Underinsured Motorist coverage respond. "|"2012-11-10 17:10:13"|"91360"|"Thousand Oaks"|"CA"|"https://insurance.freeadvice.com/insurance-questions/does-uninsured-underinsur-1663.htm" "2012-11-06 19:33:02"|"auto-insurance-qa"|"who is responsible for claim"|"If you hit a deer in your car, the insurance coverage is under your comprehensive coverage. This is the same coverage as fire, theft, vandalism and the like. It is not considered a collision loss. Comprehensive usually has a lower deductible than collision coverage, and such a loss will not affect your insurance rates.Even though the hunter admitted that he had injured the deer, it is unlikely this would be considered his responsibility. I would recommend that you turn in the claim to your insurance company. They will pay for the damages to the car, less your deductible. You can tell the adjuster about the hunter, and if you got his information, give that information to the adjuster. If they decide to try to get reimbursement from the hunter, and are successful, you will get your deductible reimbursed."|"i hit a deer with my car. while looking at the car and the dying deer a hunter showed up with his bow and arrow and said he had just shot the deer and it was his. who's insurance is responsible for the damage....mine or the deer hunter"|"2012-11-07 10:38:29"|"43056"|"Heath"|"OH"|"https://insurance.freeadvice.com/insurance-questions/who-is-responsible-for-cl-1654.htm" "2012-10-31 13:35:09"|"auto-insurance-qa"|"My son is an insured under my Minnesota auto policy. He got hit on his bike. the driver fled the scene. "|"Auto insurance policies that include uninsured/underinsured motorist coverage, covers a person who is in the car or a pedestrian. It does not include injuries caused while a person is on a bicycle. PIP coverage is not used in all states, and the coverage varies by each state. Contact your agent or insurance company to see if PIP will cover the injuries caused by the accident. Be sure te explain that your son was on a bicycle, and not a pedestrian.Unfortunately, the damage to the bike and clothing will not be covered by the auto insurance. If your son lives with you, you can check to see if the homeowner policy will cover the damage to the bike and his clothing. However, your homeowner deductible will apply. If your son is not considered a member of your household, then nothing will be covered by your homeowner policy."|"Trying to figure out if my basic PIP or UM/UIM coverages will apply. Health deductible will be $3000, his bike is gone, and he had some clothes that are trashed. He is a full time student. Can I get reimbursed on any of these expenses? "|"2012-11-01 11:41:30"|"55345"|"Hopkins"|"MN"|"https://insurance.freeadvice.com/insurance-questions/my-son-is-an-insured-unde-1639.htm" "2012-10-30 20:13:57"|"auto-insurance-qa"|" I am not on my grandmother's liability insurance and i was driving her car.. am i still cover??"|"In auto insurance, the insurance follows the car. So in this case where you were driving your grandmother's car, her insurance will pay for the damages to the other car. If she had collision coverage, and the damage to her car is over the deductible, then her insurance will pay for that damage.Unlisted drivers are usually covered for such accidents, unless the policy is for named drivers only. Most standard insurance policies will not be a named driver policy. Your grandmother should check with her insurance agent or company to be sure there is no such limitation.If you have other insurance, and are not listed on your grandmother's policy, her rates will not be affected by the accident. However, your rates could increase when your insurance company learns of the accident. You are not required to contact your agent about the accident, since they are not a part of the claim. However, they will probably find out about the accident when they run your driving record which is generally done once a year."|" I was driving my grandmother's car in the high way.. when merged to my left lane and i hit a car.. my grandmother has liability... but iam not on her insurance..i have different insurance.. and i wanna know if her insurance amount goes up or what's going to happen"|"2012-10-31 15:10:39"|"92113"|"San Diego"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-am-not-on-my-grandmothe-1638.htm" "2012-10-30 16:12:38"|"auto-insurance-qa"|"I hit another car, damaged my front end and their back bumper. gave them my insurance info, but the police were not called. Will i be held responsible"|"If you caused an auto accident and did damage to the other party's car, then you are responsible for the damages that you caused. Even if the police were not called, it does not change the responsibility for the damage. Often times, police will not come out if there is no injury involved, so the fact they weren't called, is irrelevant.You should call your agent or insurance company and report the claim. Give them the information you have on the other driver so they can contact them. If you do not have their information, still report the incident so your insurance company can set up a claim. If the other party calls you, tell them to talk to your insurance company. If you have a claim number, give it to the other party so they can use it when they call your insurance company. Do not try to get involved in the settlement. let your insurance company handle it."|""|"2012-11-01 11:46:27"|"33324"|"Davie"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-hit-another-car-damaged-1637.htm" "2012-10-25 20:53:45"|"auto-insurance-qa"|"uninsured borrower"|"Auto insurance is intended to insure a car that is registered to you. If your brother-in-law has title to the car, he needs to insure it. He can insure it even if he does not have a driver's license. However, a licensed driver needs to be listed on the auto insurance policy for an insurance company to be willing to write the insurance. He may be excluded from the policy since he does not have a license.If you insure the car and allow your brother-in-law to drive the vehicle, you will not be covered once the insurance company learns that he is not licensed to drive. If there is a major accident, and it is caused by another driver, there probably will not be coverage for the car, since you don't own it, and don't have an insurable interest in the car. Your brother-in-law would be legally responsible for the accident and would not have the proper insurance."|"my brother-in law asked if I could insure his car for him under my policy but doesn't have a valid drivers licences.Will my insurence stil cover any inccident if he does get into a accedent?"|"2012-10-27 09:44:17"|"02148"|"Malden"|"MA"|"https://insurance.freeadvice.com/insurance-questions/uninsured-borrower-1629.htm" "2012-10-25 16:18:01"|"auto-insurance-qa"|"Hi, i recently got in a accident on the freeway. The truck in front of me slammed there brakes dead stop. I slammed my brakes but hit them from behind"|"If you have an auto accident that is caused by you rearending the other party, even though the stopped without warning, you are responsible for the damages to the other person's car, your car and any injuries that may have been a result of the accident. The other party may have decided that you were at fault and did find damage to their car. You should report the accident to your insurance company to handle this. They will investigate and will pay for the repairs to the other person's car. If you had damage to your car, you will be covered, less the deductible for collision damage. If you don't have collision coverage, the insurance company will not pay for the repairs. If the total damages paid out are below a certain amount, usuallly around $750, your rates will not increase, unless the other party claims bodily injury. Let the adjuster handle this issue, even if it does increase your rates."|"They got out there truck and told me nothing happen to them and they were fine. My car on the other hand got scratches and a bit banged up body wise. We did not exchange insurance or info. she did take down my name just in case i tried to file a claim. Well a couple days later i recieved a claim in the mail. What do i do about this? She told me she was sorry for stopping and it was her fault even though i hit her. What do i do?"|"2012-10-27 09:49:21"|"77598"|"Fondren"|"TX"|"https://insurance.freeadvice.com/insurance-questions/hi-i-recently-got-in-a-ac-1628.htm" "2012-10-25 09:49:01"|"auto-insurance-qa"|"Someone backed into my car at an intersection. Should their insurance be legally required to pay 100%?"|"An auto accident involving a driver who is backing up is very difficult to determine fault. You indicate that you were stopped, but if the other driver told his insurance company that you may have struck him by moving forward, makes the incident difficult to determine fault.You can submit the claim to your insurance company, if the damage is over your deductible. They will pay for your damage and will then go against the other insurance company for reimburement of the damages. If they are successful you will get your deductible back. However, there is no guarantee of them being successful since the other company is taking their insured's word for the cause of the accident. However, since he admitted he was backing up, your insurance company may be successful.If your damage is below the deductible you can try to file a claim in small claims court against the driver. If you succeed, then his insurance company will have to pay you for the damages awarded by the court."|"I was involved in an accident a couple weeks ago where a driver put his car in reverse in a left turn lane and hit my car, despite me honking my horn wildly. I was completely stopped, but he told his insurance company he wasn't sure if I hit him or he hit me. He did, however, admit to going in reverse. I'm under the impression that since he was going the wrong way, it doesn't matter who hit who, even though he hit me. His insurance company is refusing to pay, saying it's my word against his. Are they legally required to pay since he was breaking a traffic law that caused the accident?"|"2012-10-25 12:06:53"|"66115"|"Kansas City"|"KS"|"https://insurance.freeadvice.com/insurance-questions/someone-backed-into-my-ca-1626.htm" "2012-10-24 16:42:33"|"auto-insurance-qa"|"Auto ins coverage if I am excluded on my fathers auto policy"|"In auto insurance, the insurance follows the car. The problem in your situation is that you are excluded under your father's car. If you drive your father's car, there will be no coverage for that car if you have an accident.If you were to drive your mother's car, she would have coverage for an accident since you are not excluded. However, if the insurance company finds out that you don't have other insurance, since your car was totaled and you no longer have your own insurance, they may exclude you from her policy. You didn't say if you are listed as a driver under her policy. If you are, then there probably won't be a problem. However, your mom should add you as a driver to her insurance just to be safe. "|"My parents have different auto policies. I'm currently insured under my moms. However my dad has a jeep and in order for him to get a cheaper policy he excluded me and my brother, Now I was in an accident and my truck was total and left without a car. Since I still have coverage under my moms insurance can I drive my dad's jeep and will my insurance cover his vehicle if i was to get into an accident?"|"2012-10-25 15:41:11"|"79904"|"El Paso"|"TX"|"https://insurance.freeadvice.com/insurance-questions/auto-ins-coverage-if-i-am-1625.htm" "2012-10-24 14:39:05"|"auto-insurance-qa"|"Can I be the primary driver on more than one vehicle?"|"if you have auto insurance and you own more than one car, then the other cars need to be assigned to the other licensed drivers in the household. If your son has a driver's license, he does need to be listed on one of the cars. He would be eligible for all discounts, such as good student, and multi car discount. Some insurance companies give a discount for low miles. You do not have to assign him to any particular car. If you have an older car that does not have comprehensive and collision coverage on it, you can assign him to that car. If you have more cars than drivers in the household, you can list that car as an "extra car" and it will be a lower rate than the other cars in the household.If you have more drivers than cars, then the higher rated drivers need to be listed on the cars, so your son will need to be shown on one of the cars."|"My son recently got his driver's license. Then my father unexpectedly passed away. My mother gave me my father's vehicle for my son, but I won't put it in his name until he is at least 18 and can prove responsibility (he's pretty responsible,a conscientious driver, good grades and drivers ed). He does not drive very much-mostly only to school and back home (less than 5 mls) and occasionally on errands for me. Otherwise he rides with a friend w/ a much sportier and showy car and more driving experience. Even though I already own an SUV, I drive the car the most. My agent says I can't be on both"|"2012-10-29 09:40:41"|"15905"|"Johnstown"|"PA"|"https://insurance.freeadvice.com/insurance-questions/can-i-be-the-primary-driv-1624.htm" "2012-10-23 18:16:42"|"auto-insurance-qa"|"What steps should I take when settling with an insurance company? "|"When you have an auto accident and your car is considered a total loss, the insurance company, whether it be your company or the other drivers company, will pay the actual cash value of the car. Actual cash value is the current market value of your car. This is affected by the condition of the car, mileage and the area in which you live.Often times people don't feel they are getting the value for the car that they think it should be. However, a car is often worth more to the owner than the real value of the car. If you feel the value offered by the company is low, you can provide proof of a higher value. You can use local ads for a similar car either from a local paper or the internet, but it must be from your area.Unfortunately, you cannot expect the insurance company to provide any additional funding for you to obtain a replacement car."|"Last Friday I was rear ended on the highway and my car was deemed a total loss. The driver of the vehicle that struck was served a citation for "driving to endanger". My insurance company is trying to settle with the amount of what the car is worth minus the money still owed on the loan. I was a few payments shy of paying the car off and will now need to invest in a new car. Is there anyway the insurance can cover some of my new cost (unexpected car payments for 5 years on a loan, higher insurance rates, etc.). I'm just curious as to what my rights ar"|"2012-10-24 10:05:11"|"02720"|"Fall River"|"MA"|"https://insurance.freeadvice.com/insurance-questions/what-steps-should-i-take--1620.htm" "2012-10-23 17:25:00"|"auto-insurance-qa"|"Do I need insurance with my name in it to get my restricted license? "|"If you have a restricted license and the DMV requires proof of insurance to allow the license to be active, you need to see what the DMV requires. They may allow you to be listed as a driver under your father's insurance policy. if so, then you need to be added to his policy as a listed driver. The insurance company will then send evidence of insurance to the DMV on your behalf. however, your driving record will affect your father's insurance costs. In addition, there is a charge by the insurance company to make the filing to the DMV.If your father will not add you to the policy due to the additional costs, you can purchase a 'named non owned policy". This is an insurance policy that names you as an insured person, even though you do not own a car. It is less expensive than a policy on a specific car, but its costs are based on your driving record. Ask your agent for a quote for this insurance policy. "|"The car itself has insurance on it already, but it's with my dad's name in it, but not mine, and I'm trying to get my restricted license, and they need the insurance card. Does it have to be in my name?"|"2012-10-30 09:44:58"|"40229"|"Louisville"|"KY"|"https://insurance.freeadvice.com/insurance-questions/do-i-need-insurance-with--1619.htm" "2012-10-22 09:53:56"|"auto-insurance-qa"|"how can i handle a hit and run accident even if ive already made restitution arrangements with the victim?"|"If you caused an accident and left the scene, but returned, you could still be charged with leavig the scene of the accident. However, this possible violation does not have an impact on your insurance compnay handling the claim.If the other driver was in the car at the time of the accident, it is recommended that you report the incident to your insurance company and let them settle the damage with the other party. If you try to settle it on your own, the other party could come back and claim they were injured. It is better to let the insurance company handle this.If the other party was not in the car, you can try to work out that you pay for the repairs, but this often goes badly as the other party may decide there is more damage after you have paid for the repairs. Again, if your insurance com;any handles the claim they can make sure there is no follow up for more damages after the fact."|"i was involved in a car accident but left the scene because of a natural reaction of being scared but i later went back and talked things out with the victim and are in the process of settling restitution arrangements but not sure how to deal with all of this, im not sure if i know what im doing.. "|"2012-10-23 09:35:58"|"91354"|"Santa Clarita"|"CA"|"https://insurance.freeadvice.com/insurance-questions/how-can-i-handle-a-hit-an-1614.htm" "2012-10-20 22:19:14"|"auto-insurance-qa"|"My daughter who lives with me borrowed my car and was in an accident. Will my insurance cover the accident?"|"If your daughter caused an accident while driving your car, your insurance should pay for the damages to the other car as well as your own car. Insurance follows the car, so the insurance will come from your policy. Your car will be subject to the collision deductible on the policy.Most insurance policies are not a named driver policy, so your daughter would be covered. After the claim is settled your insurance company will probably askfor the driving information on your daughter. Since she lives with you and does not have other insurance, you need to add her to your policy. Any tickets or accidents will cause your rates to increase. If you choose not to add her, the insurance company will ask that she be an excluded driver and she will not be covered going forward for any incident involving your car. You should go ahead and add her to your policy and pay the additional premium if she is going to continue to live with you."|"The accident was in Dublin, GA. My daughter lives with me and is not listed on the policy. She has not been excluded because I have not reported her as a licensed driver to my carrier as of yet. I do not know if my carrier is a named driver company or not. it is State Farm Ins. The accident caused a several hundred dollars of damage to the other vehicle and probably a thousand dollars to my vehicle. Will my insurance cover this and what is the likelihood of my policy being cancelled?"|"2012-10-23 09:42:04"|"31021"|"Dublin"|"GA"|"https://insurance.freeadvice.com/insurance-questions/my-daughter-who-lives-wit-1612.htm" "2012-10-19 15:16:10"|"auto-insurance-qa"|"What steps should I take when someone backs up into your parked car?"|"If your car was parked and struck by another party who left their insurance information, you should proceed with contacting the other party or their insurance company. If the driver left their insurance information, you should call the insurance company and set up a claim. Hopefully the other party has already reported the incident. If not, the insurance company will need to contact the driver for their statement. The insurance company will then work up an estimate for the repairs to your car. They will also pay for a rental car while your car is being repaired.You can also file a claim through you insurance company and then they will subrogate with the other insurance company for the repairs. However, if you do it that way you will have to pay your deductible for the collision damage and won't be reinbursed until your company gets repair by the other company. It is usually easier to go through the other company if they are cooperative."|"I was parked in a parking lot and eating lunch at a restaurant. When I am done with my meal I see a note on my car saying she (the driver) backed up into my bumper. She left her contact information, though I have yet to call her. What steps should I take to resolve this issue?Thanks"|"2012-10-23 09:47:09"|"95132"|"San Jose"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-steps-should-i-take--1610.htm" "2012-10-16 12:58:06"|"auto-insurance-qa"|"need help!!!"|"If you were involved in an accident that was not your fault, the insurance for the other party should contact you and settle for the damages to your car. If you were injured, you are entitled to reimbursement for your costs for the injuries, and possibly an additional sum. You do not need an attorney to settle with the insurance company. Many feel they will get more if there is an attorney, but often times the increased payment goes to the attorney. Try to work with the insurance company to see if you can get the damages and injuries settled. In addition, the other insurance company will pay for a rental car if needed while the car is being fixed.If you don't have an estimate for the damages to your car, get one or two from a repair facility you trust. Then talk to the adjuster about the damages and see if they will accept the estimate you provide. If so, then you can get the car fixed. I fyou were injured, the insurance company will wait til all bills are submitted before they will settle the injury portion of the claim."|"I had a accident about 2 months ago i tryed geting a lawyer and got one he was with the case for about 4 weeks and then told me he was no longer going to have the case basicly he didnt wan it. Because there was some changes with the insurance that the other guy fail to put the correct information when he got the insurance. but if there no case with the insurance company like my lawyer say i dont know why they keep calling me asking me my fisical damages i dont know what to do am only 18 i need the car to go to college and take my dad to his chimos"|"2012-10-24 10:11:18"|"33141"|"Miami"|"FL"|"https://insurance.freeadvice.com/insurance-questions/need-help-1606.htm" "2012-10-16 08:43:50"|"auto-insurance-qa"|"Can you get insurance for a car that's been in an accident"|"If you are trying to insure a car that is already damaged due to a previous accident, and you want physical damage (comprehensive and collision) you may find it difficult to find a company willing to insure the car until it is fixed. Some companies will insure a car that is damaged, but will want to see the car and possibly take photos of the existing damage. This will allow them to not pay for repairs if there is an accident and the damage is where the car is already damaged. You can buy only liability insurance on the car until it is fixed if you cannot find a company willing to insure the car for physical damage.If the accident you had was your fault, your insurance rates will include the accident surcharge on your insurance. If the accident was not your fault, there won't be a surcharge, but it seems the other insurane company would have paid for the repairs to your car."|"Had insurance. but now its not valid and i want to get it again but i had an accident."|"2012-10-24 10:18:25"|"48911"|"Lansing"|"MI"|"https://insurance.freeadvice.com/insurance-questions/can-you-get-insurance-for-1604.htm" "2012-10-10 07:49:49"|"auto-insurance-qa"|"An unauthorized person added themselves to my policy. This person did this by pirating my mail and calling the insurance company. "|"You need a lawyer."|"An unauthorized person added themselves to my policy. This person did this by pirating my mail and calling the insurance company. The insurance company claim this is common practice. Not knowing what had occurred, I cancelled my policy, but they continued coverage and i in collection for non-payment. I want to press charges, but need guidance. (Florida)"|"2012-11-05 09:41:49"|"33931"|"Bonita Springs"|"FL"|"https://insurance.freeadvice.com/insurance-questions/an-unauthorized-person-ad-1595.htm" "2012-10-09 12:40:29"|"auto-insurance-qa"|"What do I do with a check made out to me and my car lien holder from an accident I had if I do not have the money for my deductible?"|"If you had an auto accident and received a settlement payment from an insurance company, you have two options. If the car was considered to be repairable, then you can check with multiple repair places. You may be able to find a place that car repair the car for a lower amount then the settlement check from the insurance company. That way, you may be able to avoid the deductible. Also, you may have payment for damage to a wheel and you don't have to replace the wheel, you can use that extra money to cover the deductible.If the car is considered a total loss, then the insurance payment should be used to pay the balance due on the car. Hopefully you have had the car long enough to have the settlement check cover the amount of the loan or lease balance. If so, you can sign the check over to the lien holder. While you may not have any extra money, you will have paid off the loan and may be able to find another car with no money down. If the car is totaled, you do not have to repair the car, simply pay off the loan. "|"Will my lien holder accept this as payment towards my vehicle. Just because I don't have the money for the deductible to get my car fixed at this time, I would still like to have some use out of the check like applying it to my balance of the vehicle. What do you think?"|"2012-11-05 09:41:13"|"38016"|"Cordova"|"TN"|"https://insurance.freeadvice.com/insurance-questions/what-do-i-do-with-a-check-1594.htm" "2012-10-05 18:28:42"|"auto-insurance-qa"|"Do u have to have auto insurance to keep a drivers license"|"If you do not own a car, and have no requirements from the state you live in that want you to show proof of insurance, you do not need to have insurance. You can drive your mother's car, and car insurance follows the car, not the driver. Any accident that you may have in your mother's car will be handled by your mother's car insurance. However, if you don't have other insurance,and you live with your mother or are a regular driver, you do need to be shown as a driver under your mother's insurance. Any tickets or accidents you have will affect the cost of the insurance.If you have a requirement for proof of insurance, due to a ticket or accident, you will need to show proof of insurance. You can do this by providing proof of insurance through your mother's insurance or you can buy a "named non-owned policy. These are available from a limited number of insurance companies."|"My mother has insurance on the car im driving. I no longer drive the car i have insured. Do i still need insurance to keep my license or can i drive on hers"|"2012-11-05 09:34:41"|"28630"|"Baton"|"NC"|"https://insurance.freeadvice.com/insurance-questions/do-u-have-to-have-auto-in-1588.htm" "2012-10-02 10:42:30"|"auto-insurance-qa"|"I drove my car off the road while suffering a heart attack. Is this a char gable accident, since my insurance co. is now charging me a surcharge."|"Unfortunately, if you have an auto accident and strike an object or another vehicle, even if you suffered a medical emergency, you can be charged with a chargeable accident and your rates can be affected.Even though you did not file any medical claim under your insurance policy, you did have physical damage to the car, and the insurance company did have to make a payment. If the damage is over a specified amount, usually over $750, the insurance company can increase your rates.You can ask the insurance company to reconsider the increased premium due to the medical emergency. The underwriter may not have known of the cause of the accident when they made the surcharge. You should write a letter to the insurance company stating the facts of the loss and ask for reconsideration. They will investigate your request and respond to you in writing as to whether they will remove the surcharge or not. If you have an insurance agent, ask if they will also send a similar request on your behalf."|"No other vehicles were involved. I did turn in a claim for damages to my vehicle. No medical bills or ambulance services were paid for by my auto insurance, just vehicle damage. No tickets were issued as a result of the accident."|"2012-10-02 12:21:20"|"08201"|"Absecon"|"NJ"|"https://insurance.freeadvice.com/insurance-questions/i-drove-my-car-off-the-ro-1575.htm" "2012-10-01 21:07:47"|"auto-insurance-qa"|"Legal Situation: What do you think I should do? Please help me?"|"this is not an insurance question - go to legal questions."|"I allowed someone to buy my car but let them have it before they paid in full (I am his employer). We made a contract that he would pay me in small payments (e.g 100 a month) until the total amount was paid in full. There was no interest charged. He did not follow through with the contract and I have contacted him multiple times about it; and he does not reply. Basically he has my car, and he has not paid for it. The DMV sticker for the car expires at the end of October. Some suggested that I use 'auto possession' meaning that I ask a local towing company to tow the car away from him. (Read more about it here: http://www.pimall.com/nais/n.repo.htmlHowever, I do not know if this is legal. I mean what if it has his possessions in it and he falsely claims that he some valuables in it. The car should still be mine as he has not paid in full. What do you think I should do? Please help me?!Thank you so much!"|"2012-10-02 10:21:27"|"92844"|"Garden Grove"|"CA"|"https://insurance.freeadvice.com/insurance-questions/legal-situation-what-do-y-1574.htm" "2012-09-25 09:18:34"|"auto-insurance-qa"|"If I co-own a car with a family member that does not live with me can I get the car insurance and have there name on the polacy?"|"Auto insurance is intended to cover the owner(s) of the car being insured. If there are two individuals who own the car, they should both be listed on the insurance policy to protect both of them in the case of a loss.If the other party does not live in the same residence, it really does not affect the insurance. However, both parties should be listed as drivers, so the insurance company has the correct information for rating purposes. The car should be insured based on the garaging location of the car. If you have the car with you, then the insurance company needs to insure it at that location. If you own another car, you may be able to get a multi-car discount for having multiple cars if they are insured with the same insurance company. This would only apply if both cars are garaged at the same location."|""|"2012-09-26 09:49:44"|"03246"|"Laconia"|"NH"|"https://insurance.freeadvice.com/insurance-questions/if-i-co-own-a-car-with-a--1557.htm" "2012-09-24 09:44:57"|"auto-insurance-qa"|"What is a fair amount for a head on collision resulting in broken collar bone and other minor injuries?"|"talk to an attorney - not an insurance question"|"My medical bills totaled about 25,000, was off work for 2 months from 1 job and 4 months from the other. They offered reimbursement for wages and medical, just dont know what a fair amount for pain and suffering is"|"2012-09-26 22:17:57"|"62401"|"Blue Point"|"IL"|"https://insurance.freeadvice.com/insurance-questions/what-is-a-fair-amount-for-1553.htm" "2012-09-20 23:00:13"|"auto-insurance-qa"|"Driver turns right on red, hits me, so why does the police office put any of the blame one me?"|"When you have an auto accident and the police come out, their opinion of the cause of loss is just that, an opinion. Since you had the green light for turning, you would presume that you have the right of way.I recommend that you file a claim with your insurance company. They will pay for your damages to your car, less the deductible, and will then work with the other insurance company to try to recover their payment. If your insurance company is successful you will get all of your deductible back.You can also file a claim with the other insurance company. They may be willing to accept full liability and pay for all of your damages. You would then not have to pay your deductible. However, if they decline liability you can still go back to your insurance company and let them work it out with the other insurance company.Both insurance companies will review the police report and they may take the officer's opinion or not. "|"I was in an accident on the 18th. I was making a left turn and had the green arrow signal. The other driver had the red light. As I turned he hit me in the passenger side door. He got out, apologized for not seeing me. I assumed he would be liable. However, the officer said I contributed because of inattention! How is that so? I was concentrating on turning in my lane. The officer interviewed me all of two minutes, but more for the other driver. Not once did he as me if I could have avoided the accident. Should I have swerved into the other lane and let another driver hit me, slam on brakes?"|"2012-09-23 13:26:00"|"27104"|"Peace Haven Estates"|"NC"|"https://insurance.freeadvice.com/insurance-questions/driver-turns-right-on-red-1548.htm" "2012-09-20 14:16:19"|"auto-insurance-qa"|"Wreck w/suspended license"|"When there is an auto accident the insurance follows the car. So, your boyfriend's insurance policy is responsible for the damages to the other car. You are covered as a driver of his car unless there is a special provision that requires the driver be listed on the policy. The insurance company may ask to exclude you as a driver in the future, or to add you as a rated driver on the policy. This would mean that your driving record could affect your boyfriend's insurance costs. Since you have corrected the situation of the suspended license you should be able to move forward if the insurance company wants to add you to the policy. However, if the ticket that was involved was a moving violation it would cost your boyfriend in the premiums charged. If you have your own car and insurance, then your boyfriend's insurance would not be affected, but the insurance company could still as to exclude you as a driver."|"I had a ticket I forgot about and received a notice that said IF i didn't pay they would suspend my license so i went the next day and paid the ticket. Here we are 5 months later and I went to pick up a loaner car for my boyfriend whom I live with and I had a wreck. I was informed by the police officer that my license was suspended! I swore the paper i had received 5 months earlier had said IF i didn't pay the fines they WOULD BE not that they had been. Hours after the accident I went to the DMV and reinstated my license but my question is will my boyfriends auto policy still pay for the damages"|"2012-09-23 13:31:19"|"35049"|"Cleveland"|"AL"|"https://insurance.freeadvice.com/insurance-questions/wreck-w-suspended-license-1547.htm" "2012-09-19 22:35:27"|"auto-insurance-qa"|"What are the consequences for me if I get in an accident without insurance?"|"If you have an auto accident that is your fault and you don't have insurance coverage the other party can go to their insurance company to make the repairs to their car. The deductible for collision coverage will apply to the other party. After the claim is settled, the insurance company will probably come to you to reimburse them for the amount they paid out. They would also try to get the amount of the deductible for the other driver. If they only get a portion of the reimbursement, the other party will only get a portion of the deductible reimbursed. At that point the other driver can sue you in small claims court for the deductible that they had to pay out.You can also receive a ticket for not having insurance, and the cost of getting a policy will probabaly be increased since you had an at fault accident. You could also get your license suspended if you do not get insurance coverage and providing proof to the Dept of Motor Vehicles."|"I got into a fender bender a couple weeks after my policy expired. There was no visible damage to the bumper only some small plastic parts attached to the bottom. We decided that we would handle it between us. After supposedly taking it for an estimate. I was told it would be over $600. So a asked if theycould take it to an auto shop I knew was legit, but they would just make excuses and became difficult after that. What would happen if they reported the accident to their insurance? Would they cone after me? If so how? Would it be reported to the DMV? Would they have to pay their deductibale?"|"2012-09-23 13:36:35"|"92701"|"Santa Ana"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-are-the-consequences-1545.htm" "2012-09-19 10:13:41"|"auto-insurance-qa"|"Where to file lawsuit, which state and which court"|"If there is an auto accident in a different state then where either driver is insured, the insurance companies will settle the claim as required by the insurance laws and rules of that state. If you have information on the other insurance company you should file a claim with that insurance company. The courts will not be involved until the insurance companies settle the claim. If you file a suit immediately, it will probably slow down any settlement with the other insurance company since they will have to go through your attorney to work on any settlement.You can also file a claim through your insurance company. If you have medical payments coverage under your policy you should file with them as they will pay for some medical costs while the other insurance company will not pay for injuries until the claim is settled. That is standard procedure for medical losses in an auto accident."|"If a person from NY got in an accident in VA with a truck driver whose company is in CO, and the truck driver was at fault, causing serious injury to the NY driver, what court will hear the case and in which state?"|"2012-09-23 13:41:49"|"14424"|"Canandaigua"|"NY"|"https://insurance.freeadvice.com/insurance-questions/where-to-file-lawsuit-whi-1543.htm" "2012-09-19 09:18:55"|"auto-insurance-qa"|"runflat tires "|"While auto insurance policies to allow credits for safety equipment, since they can help insurance companies reduce losses and costs, the removal of runflat tires to regular tires will not affect your insurance costs or coverage.Removal of the run flats could cause you to not have the ability to get to a repair facility, unless you put a spare tire in your car, you should make sure you have some sort of roadside service that you can use in the event of a flat tire. Insurance companies offer roadside service, and there are AAA tow services offered in many states. Make sure you have one or both of these. If you purchase the coverage as a part of your car insurance, make sure you understand how that coverage works. It is usually limited to a certain length of tow if the tire cannot be repaired at the site of the breakdown."|"if i remove runflat original equipment tires from my car and replace them with non runflat does this affect my insurance?"|"2012-09-19 10:06:53"|"33301"|"Fort Lauderdale"|"FL"|"https://insurance.freeadvice.com/insurance-questions/runflat-tires-1542.htm" "2012-09-18 21:09:47"|"auto-insurance-qa"|"Can I still file a claim without a police report?"|"If you are involved in an auto accident you are not required to file a police report,unless there are some laws in your area regarding such filings. Since you were rearended, the other party's insurance should pay for the repairs to your truck. Hopefully the other driver has reported the claim to their insurance company. Call that insurance company and make sure it has been reported and that they are working on seeing your car and making estimates for the repairs. If the other insurance company is not being cooperative you should file a claim with your insurance company and go through them and let them then go after the other insurance company. If they collect all payments for the repairs, your deductible will be reimbursed to you.If the insurance on the truck was cancelled after the accident there will be no effect regarding this loss. However, you should find replacement insurance as soon as possible so you will have insurance coverage going forward."|"A woman rear-ended me and did significant damage to my truck, She gsave me her information, but we didn't make a police report. Furthermore, since the accident my step-mother has cancelled my insurance on the truck. Would that affect any claims that can be made?"|"2012-09-19 10:12:36"|"30038"|"Lithonia"|"GA"|"https://insurance.freeadvice.com/insurance-questions/can-i-still-file-a-claim--1540.htm" "2012-09-18 09:31:17"|"auto-insurance-qa"|" how do i purse the insurance company of the driver that hit my car?"|"When you are in an auto accident and your car is totaled by another driver, that insurance company will determine the current value of your car and pay for the amount determined as the actual cash value of your car. Often times this is not the amount that you owe on your car or what you feel your car's value was.It is your responsibility to prove that your car had a higher value. You can do this with current ads locally showing an increased value for your car. However the insurance company can deny your claim and still only pay the amount originally offered.Yu can file a claim in small claims court against the other party, but there is no guarantee that the court will find him responsible. Again, you are entitled to the value of the car. The court may not decide that you are owed any more even though you owed more on the car."|"i got into a car accident and my insurance company declared it a total loss and paid the bank what they thought the car was worth, (which was less than what i owed). i ended up owing my bank almost $3,000.00 i would like to know how can i go about getting this amount paid by the gentleman that hit me insurance company? i was told by me insurance company that i would have to write them i letter which i need help with because i do not know were to begin. Please help. Thank you in advance."|"2012-09-23 13:46:27"|"18301"|"East Stroudsburg"|"PA"|"https://insurance.freeadvice.com/insurance-questions/how-do-i-purse-the-insura-1539.htm" "2012-09-15 23:54:39"|"auto-insurance-qa"|"my son damaged the headlight of another vehicle, owner is demanding money and not going thru his insurance."|"If your minor son threw a rock through a headlight on someone else's car, you can file a claim under your homeowner nsurance for the damage. It would not go under your auto insurance.The other party may have insurance for this, but he would be subject to a deductible, so it is understandable that he does not want to go through his insurance. However, his demand for payment immediately, is not acceptable.Tell the other party that ou are filing a claim with your insurance company for the damages. Then call your agent or insurance company to file the claim under your liabiliy coverage of the homeowenr policy. Explain that your minor son threw the rock. Then give them the information on the other party and they will deal with him. If he continues to call you, tell him to call your insurance company a they are handling the claim. Do not deal with him any further."|"basically my son threw a rock damaging the high beam headlight of another vehicle (a BMW). i totally understand that im at fault because my son is a minor and i havet to pay damages. According to his BMW dealer its going to cost $700 to fix, and he is demanding i pay in less than a week, which is an impossible amount of time for me. Owner is now taking me to court, my Q's is, doesn't his insurance pay for that? Why is he so adamant that i pay rather than going thru insurance co.? Will my insurance go up because of this? Even if he takes me to court, will they let me make payments?"|"2012-09-16 16:43:19"|"90502"|"Torrance"|"CA"|"https://insurance.freeadvice.com/insurance-questions/my-son-damaged-the-headli-1533.htm" "2012-09-15 18:42:33"|"auto-insurance-qa"|"Please tell me how to settle for this type car accident for pain and suffering? "|"this is not an insurance quetion. You need to talk to lawyer"|"I was involve in a car Accident,where the other party was at total fault .My Jeep rolled,tumbled few times and got totaled.I had 2 kids in my car,Likely they got few bursies not major injures,I had deep cut on my elbow which is forming a scar now.I also had a whiplash for which I am getting a treatmt from chiro,its been two month for the accident I still have whiplash symptoms and light headaches.My daugher who was 12 at that time is having panic attackes from this right 4 days later the accedent.I will be taking her counselor soon.My son only had a deep cut on his wrist which is fine now."|"2012-09-16 16:43:43"|"80524"|"Fort Collins"|"CO"|"https://insurance.freeadvice.com/insurance-questions/please-tell-me-how-to-set-1532.htm" "2012-09-14 16:15:19"|"auto-insurance-qa"|"can i reject SUV even if less than 50% damage?"|"When there is an auto accident the insurance company determines if the damages are greater than the value of the car. If the difference is not close, as in your case being $8k-10K vs $30k, the insurance company will elect to repair the car rather than replace it. You cannot make the insurance company settle to give you another vehicle and take the damaged car.You can have the car repaired and then sell or trade it in for a different car. The insurance company will not have a problem with this, but if you choose not to repair the car and keep the money, you will not get much value as a trade in. It is recommended that you repair the car and then sell it.The damages to the car do not seem to be excessive to the point that the car would not be safe to drive. If your wife does not want to drive a repaired car, ten you can simply sell it, but don't expect the isnurance com;any to take the car and sellit at auction"|"I got into a car accident on a 2009 lexus Rx350 the value of the car is around 30k but the damage is around 8-10k. it is my wifes car and she doesnt want to drive a car that has been in an accident can i refuse the car and ask for a check to buy a different one and let the insurance sell it in an auction? "|"2012-09-16 16:49:49"|"98208"|"Everett"|"WA"|"https://insurance.freeadvice.com/insurance-questions/can-i-reject-suv-even-if--1531.htm" "2012-09-14 12:14:54"|"auto-insurance-qa"|"My insurance company denied my claim...please read and advise."|"If you have an accident in a no-fault state that usually means that each insured person has their insurance company pay for their own damages. Even if an official or police officer confirm that the other party may be at fault, your insurance will still usually be the primary repair company for your damages. This will also include that your deductible will apply to the damages to your car.While your adjuster does not seem to be very cooperative in explaining your insurance coverage and how the insurance works, there is an appeal process. You should call your insurance company and ask to speak to a supervisor. Hopefully they will be more helpful in explaining why the accident was settled in the manner that it was. You may be able to convince them to look at photos to support your side of the issue, but it still may not be enough to convince them of a different outcome. If not, you still have the right to file a claim in small claims court against the other party to see if you can get a settlement against him. Then his insurance company will need to pay the settlement amount that you are awarded. "|"I was involved in an auto accident. A driver tried to use a 1 lane road as a 2 lane road and side swiped my car. There were no witnesses to the accident. We both ended up having the same insurance company. The accident occurred in a "no fault" state meaning the police officer could not put anyone at fault. The insurance company said they gave us each our own adjuster but mine was always hard to get in contact with. I was told the accident would be investigated but no one ever came out to the location the accident occurred to take a look at the street or any posted signs. I went to the local police station myself and spoke with an officer who confirmed that the street we had the accident on was a one lane street but that often people tried to use it as a two lane street. We said this still didn't excuse people from using it in this manner. i was told by my adjuster that if I got a local police officer to confirm this then I would need to forward his info to the adjuster. I did forward his info. My adjuster claims that he went on Google Maps to take a look at the street and the picture showed cars using the road as a two lane street. I physically went out to the street and took pictures of the street signs that proved that the road was to be used as 1 driving lane and 1 parking lane and forwarded these pictures to the insurance company. I have also forwarded pictures of the damage to my car. I was told by my adjuster that they would have to contact the state to get confirmation that the road was designed as a one lane road before he could make a decision. I was never notified whether he contacted the state or not. Recently, I was notified that my claim was denied and that each of use would have to cover our own damages. I contacted the insurance company to inquire about a claims appeals process and was told they didn't have one. I find it odd that after all the evidence I collected to back me up, they still denied me. What can i do?"|"2012-09-16 16:57:02"|"20011"|"Washington"|"DC"|"https://insurance.freeadvice.com/insurance-questions/my-insurance-company-deni-1527.htm" "2012-09-14 02:40:08"|"auto-insurance-qa"|"I was renting a car and did decline the Supplemental Liability Insurance. I had an accident. Am I not protected against small claims from the rental?"|"If you rent a car and do not take their supplemental insurance coverage, then you are providing your own liability insurance from your insurance policy. Most auto insurance companies will cover a rental car as if it is your own, and the deductibles that you have on your car, such as collision and comprehensive coverage will apply ss well as liability insurance.If you cause an accident, then your insurance company will pay to repair the other parties car, and the rental car less your deductible. However, if the rental car is out of use while being repaired, you are responsible for the lost time of use for that car. Check with your insurance company and be sure they have settled with the rental car company for the damages to their car, less your deductible. If so, then you need to contact the rental car company and see what they need from you. If your insurance company has not paid for any repairs, you need to work with them to get that part settled."|"I was renting a car from Budget Rental Car. I had an accident, which lead to another car beeing damaged in the state of New Jersey. Their Leaflet says the normal liabiility protection protects anyone driving the car up to the minimum financial limits required by the law of the jurisdiction in which the accident occurs. The damage of the other car is below 3000$, but rental is still claiming this money from me. They are arguing that this liability does not protect me from them having a claim on me, but it would only prevent the other car owner to have a claim. Seems strange. Thanks a lot!"|"2012-09-16 17:03:08"|"10002"|"Manhattan"|"NY"|"https://insurance.freeadvice.com/insurance-questions/i-was-renting-a-car-and-d-1525.htm" "2012-09-13 11:48:00"|"auto-insurance-qa"|"MY 2010 KIA FORTE KOUP 7650MI WAS TOTALLED BY DRUNK DRIVER. CAN I INCLUDE THE COSTS OF RENTAL CAR &THE NEW KIA FORTE IN EXPENSES?"|"If you were in an auto accident that was not your fault, then the other insurance company must pay to repair your car, or if it is a total loss, pay the actual cash value of the car. They are expected to find a similar car to determine the settlement amount for your car. If you could not find a car with similar mileage and style as you had, then you need to work with the other insurance company and try to get a larger settlment. The evidence to support your claim is on you. You need to prove there was no other car available that you could find for the amout that was offered by the other insurance company.As a part of the settlement, the other insurance company must also provide you with a rental car until the settlement is made and you get the check. After that time, they do not owe you a rental car. "|"I PURCHASED 2010 KIA FORTE KOUP 10/8/11. 4/23/12 MY CAR HAD 7650 MILES WHEN I WAS HIT BY DRUNK WITH BAC .156 & .08 HRS LATER. IT WAS TOTALLED.I NEEDED RENTAL CAR TO GET TO MEDICAL APPTS, PHYS THERAPY, GET PRESC. & MAINTAIN NORMAL LIFE WHILE LOOKING FOR REPLACEMENT CAR. i PAID $17,159 FOR THIS CAR & REPLACED IT WITH $19,061 2013 KIA FORTE. ISN'T COMPENSATION TO 'BRING ONE BACK TO WAY THEY WERE PRIOR TO ACCIDENT"?"|"2012-09-16 17:13:36"|"85302"|"Glendale"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/my-2010-kia-forte-koup-76-1524.htm" "2012-09-12 09:27:05"|"auto-insurance-qa"|"How much should we settle for?"|"talk to an attorney"|"I was involved in an accident with vehicle damages and a trip to the er with minor injuries. The other driver has never had a license but does have insurance. How much should we expect?"|"2012-09-13 09:28:58"|"46158"|"Mooresville"|"IN"|"https://insurance.freeadvice.com/insurance-questions/how-much-should-we-settle-1519.htm" "2012-09-11 19:21:51"|"auto-insurance-qa"|"The repairs to my 2000 Hyundai Sonata GLS cost $5100. Allstate wants to settle for $2700. Kelly Blue Book value $4500. What should I do?"|"If your car is damaged and the repairs exceed the actual cash value of the car, then the insurancce company will offer a total loss settlement on your car. The offer should be a fair offer for the value of your car.If you do not agree with the offer from your insurance company it is on you to prove the value of your car. You can use the Kelly Blue Book, but you need to include the depreciation due to the mileage as well as any repairs made due to another loss. You can also look in local ads for a similar car, including those ads you find online. HOwever, they must be from the same area, since values of cars can vary widely throughout the country. When you have this evidence, contact the adjuster and try to work out a fair settlement. Remember, the car is worth more to you than it may be worth on paper, so be prepared to negotiate. If the adjuster will not compromise, ask for a supervisor and see if they will compromise with you."|"The repairs to my 2000 Hyundai Sonata GLS cost $5100. Allstate wants to settle for $2700. Kelly Blue Book value $4500. What should I do? I'm out of a car and can't buy one for $2700. Since Dec. 2009, I have put $2500 worth of repairs upgrades in the car (Stereo, Starter, Tires...) My car was in excellent condition for 130000 miles. I have the receipts to prove it!HELP!"|"2012-09-12 11:20:49"|"46368"|"Ogden Dunes"|"IN"|"https://insurance.freeadvice.com/insurance-questions/the-repairs-to-my-2000-hy-1517.htm" "2012-09-11 17:50:58"|"auto-insurance-qa"|"I sold my car to a friend who is here illegally and does not have a valid drivers license. The title is still in my name but not my insurance."|"It is not your responsibility to check the validity of a buyer of the car, so if you believe the person is here illegally, it is not your problem. However, if you are still on title, then you should be insuring the car. The other person who is insuring the car has no insurable interest in the car. If there is an accident, it will be your responsibility.I recommend that you change the title on the car to the buyer or the person who is insuring it. That will get you out of the circle in the event of a loss. When you transfer the title, notify the DMV so they will know you no longer own the car. Tell the buyer or the other person that you are doing this so they will be aware that they need to transfer the title with DMV."|"I sold my car to a friend of mine who is here illegally and does not have a valid drivers license. The title is still in my name but my insurance no longer covers the vehicle. A mutual friend of ours has put the car on his insurance. So the car is covered but I'm assuming that the driver is not. G-d forbid anything happens, what is my position? How much trouble could I seriously get in?"|"2012-09-12 11:25:13"|"27410"|"Friendship"|"NC"|"https://insurance.freeadvice.com/insurance-questions/i-sold-my-car-to-a-friend-1515.htm" "2012-09-09 10:30:23"|"auto-insurance-qa"|"Was involved in automobile accident and my insurance had lapsed. The owner of the other vehicle was insured."|"If you were involved in an auto accident that was not your fault, and you did not have insurance, then you need to work with the insurance company for the other driver to get your car repaired. You could be subject to a ticket or fine for not having insurance at the time of the loss, but it should not affect the settlement of your claim. It did not have any effect on the collision and ensuing loss. If the other insurance company tries to deny the claim for that reason, you should ask for a supervisor and tell them you know it does not affect the claim, since their driver was determined to be at fault. Also, make sure they understand that the police officer witnessed the accident and has offered to be a witness on your behalf. This should encourage the insurance company to work with you for a fair settlement on the damages to your car."|"I was not at fault and did not receive any citations but the other driver was cited for careless driving. A police officer witnessed the accident and told me he would be my witness."|"2012-09-09 11:54:37"|"81001"|"Belle Plain"|"CO"|"https://insurance.freeadvice.com/insurance-questions/was-involved-in-automobil-1507.htm" "2012-09-08 17:11:03"|"auto-insurance-qa"|"i have vehicle insurance but the bank is an addtional intrest on my insurance when i got my premium in the mail it was three diffrent premiums "|"While this question is not very clear, I believe you are referring to the coverages under the auto policy. The normal areas are the liability coverage and then there is comprehensive and collision insurance. Since there is a loan on the car, you are required to carry comprehensive and collision coverage.Comprehensive coverage is for fire, theft, vandalism, flood, glass breakage and collision with an animal (such as a deer). Collision coverage is for damages caused by any collision, whether it is with another car, a pole or an object in the road. There are different deductibles for these coverages. Comprehensive usually has a lower deductible than collision. Obiviously the higher the deductible the less exxpensive the insurance.The auto policy breaks down the costs for these three areas of insurance, so that is probably what you are seeing as the three different premiums. Combined, they add up to the total premium for the policy."|""|"2012-09-09 14:28:53"|"19143"|"Philadelphia"|"PA"|"https://insurance.freeadvice.com/insurance-questions/i-have-vehicle-insurance--1505.htm" "2012-09-08 11:54:54"|"auto-insurance-qa"|"What I need to do about getting my car Repaired"|"If you were hit by another driver but can't find the information on the other driver's insurance, your best bet would be to file a claim with your insurance company. If you have collision insurance, then your insurance company will pay for the damages, less your deductible. Then they will find the inforamation on the other driver's insurance and they will subrogate against them for the damages. If successful, thenyou will get your deductible back.If you don't have collision insurance, or the damage is below your deductible, then you need to talk to the police department about getting the information on the owner of the car so you can file a claim for the damages. Even if the information is not in the police report, the officer should have the contact information on the other car's owner."|"I was hit on the leftside,driver stated he didn't see me,also stated the car wasn't his&he didn't kno if the car was insured, officer than contact the owner &he stated he was covered&he would bring the information after he got off work but it wasn't in the accident report ..."|"2012-09-08 16:45:21"|"38703"|"Greenville"|"MS"|"https://insurance.freeadvice.com/insurance-questions/what-i-need-to-do-about-g-1504.htm" "2012-09-05 16:14:41"|"auto-insurance-qa"|"Roadside assistance coverage"|"Roadside service is generally the same type of coverage. It is a part of an auto policy and the cost is very inexpensive. It is usually a reimbursement type of insurance - you pay for the service and then submit the bill to your insurance company and they reimburse you. Some agents have an arrangement with local tow companies that will bill the agent directly, but you need to know if that is available with your agent or company.You need to be sure you understand the limitations of the coverage offered. Most policies will only tow you to the nearest repair facility. It will not tow you across town, to another town or the like. The coverage also includes tire changing and lockouts. It does not cover the cost of a new tire or a new set of keys.There are some AAA coverages offered that is not a part of the auto insurance. Depending upon the type of coverage you select, you could be towed to a 50 mile radius, and in some states as far as you want to go. It is more expensive - running from $60 to $200 a year. Also if you use it too often,t he could drop you."|"I am considering getting roadside assistance coverage, is this considered a type of insurance? Where can I find out information on the different kinds of coverage?"|"2012-09-05 17:29:25"|"54720"|"Altoona"|"WI"|"https://insurance.freeadvice.com/insurance-questions/roadside-assistance-cover-1491.htm" "2012-09-05 11:22:00"|"auto-insurance-qa"|"Can my car be repossessed if one insurance policy cancels, but another is valid?"|"this is not an insurance issue."|"My car was repossessed by my finance company less than 24 hours after my insurance policy cancelled. I received a quote from another insurance company and added their coverage to it the Friday before, so my car had double coverage. The local agent contacted my finance company and they put out a repossession order because they had not received the binder from my new insurance company. They now want to charge me $150 to get my car back, which is the towing fee and one car pymnt. Can they do this?"|"2012-09-05 17:29:57"|"30680"|"Winder"|"GA"|"https://insurance.freeadvice.com/insurance-questions/can-my-car-be-repossessed-1488.htm" "2012-09-04 12:42:45"|"auto-insurance-qa"|"do my parents have the right to use the money i got?"|"this is a family issue, ot an insurance issue"|"i got into a car accident last year with my sister i was the passenger. So i was the victim so my parent insurance company sent me money for my injuries. Since I'm 22 they wrote the check out in my name even though im still under my parents insurance. but my parents said they are taking the check when i get it do they have the right to do that?"|"2012-09-05 17:30:39"|"22405"|"Falmouth"|"VA"|"https://insurance.freeadvice.com/insurance-questions/do-my-parents-have-the-ri-1485.htm" "2012-09-03 18:16:47"|"auto-insurance-qa"|"We ran oover a rock about the siize of a small grape fruit that fell in a 2 lane highway. I punctured the transmission."|"In auto insurance, if you strike anything an object, the coverage would be under the collision portion of the policy. The insurance policy is very clear about this. The only exception is if you strike an animal, such as a deer, and that damage is covered under comprehensive coverage.While the collision deductible applies, you may not be charged for an at fault accident and so your rates may not be affected. Talk to the adjuster and see how they are going to treat the claim, since it was a rock that caused the damage. It is possible they will consider it as an at fault accident, but since it was an obstacle in the road that you could not have seen, so it may be considered not at fault. If the adjuster will not make this a non chargeable accident try to speak to a supervisor and see if they will not make it chargeable."|"We were in a mountainous area and it was a 2 lane road. We turned in an insurance claim. Should this be a collision or comprehensive claim?"|"2012-09-05 17:36:20"|"27587"|"Wake Forest"|"NC"|"https://insurance.freeadvice.com/insurance-questions/we-ran-oover-a-rock-about-1483.htm" "2012-08-31 19:15:36"|"auto-insurance-qa"|"MY car was stolen while was parked I was paying full coverage. Insurance denying coverage for misrepresenting myself."|"When information on an auto application is incorrect, it can affect your insurance. You said you got the insurance over the phone. If the broker did not ask if your license had ever been suspended and simply answered no, then they have an errors and omissions issue. However, it will be difficult for you to prove that you did not answer the question as no.You do not indicate if the license is still suspended or not. If it is, it makes your claim less likely to be paid. Most insurance companies will not offer insurance to someone with a suspended license. If it has been reinstated, you should try to work through the broker to see if the insurance company will reconsider the denial of coverage. Since the car was stolen, and your license was valid at the time of the claim, it should not affect the details of the claim. "|"My Car was stolen while it was parked. I filed claim with insurance and police report right away After i find out that my insurance denied my claim stating that i misrepresented myself. I gave right number of DL right name right address and right social security. I got my insurance thru my broker on the phone. They were informed that my DL at the moment i signed aplication was suspended for Child support reason. Now insurance company claiming that i lied in my aplication in one of the questions on the bottom that says: Has your DL ever been suspended or revocked. Broker marked NO"|"2012-09-02 12:40:24"|"60647"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-stolen-while-w-1477.htm" "2012-08-30 11:45:19"|"auto-insurance-qa"|" second dui in five years am considering selling my car and doing w/o car ins. till it comes off my record(how long).Will I have difficulty reinsuring"|"Each state has their own laws about how long a DUI stays on your driving record. Some states use 5 years and others longer. Insurance companies often will not offer insurance to a driver has has had a DUI in the last 10 years.It is most likely that your insurance company will cancel your insurance even if you do not lose your license. Therefore you may not have an option as to whether or not you want to drive. No insurance company can or will write your insurance if you do not have a valid license. Once your license is reinstated there are insurance companies that will offer you insurance, but it will be very expensive. You might want to talk to an insurance agent or company to see how long they will charge for the driving record so you have an idea of how long you will have to wait for reasonable rates."|""|"2012-08-31 16:37:21"|"41075"|"Fort Thomas"|"KY"|"https://insurance.freeadvice.com/insurance-questions/second-dui-in-five-years--1473.htm" "2012-08-28 13:27:42"|"auto-insurance-qa"|"How can I find affordable automobile insurance after a past DWI?"|"Having had a DWI within 3 years makes it very difficult and expensive to obtain insurance when your license is reinstated. Unfortunately, the prior driving record does not have much effect on the insurance companies when a major violation is so recent. Most states require insurance companies to file rates and rules for auto insurance. In those filings the insurance companies indicate how they will handle a driver with a major violation and/or suspension of the license. The majority will not write a new policy for a driver with a major violation.There are insurance companies that specialize in drivers with DWI and similar tickets. Their rates indicate the exposure for such drivers, but it get insurance coverage for you so you can start to get back on your feet. You should consider having a less expensive car so you can have only liability insurance to start to keep the costs of the insurance down. If you must have physical damage coverage, choose higher deductibles to keep the costs down. As the ticket gets older you will find rates will slowly go down and after 5 or so years you will be able to find insurancein the standard market."|"My liscense was suspended for 1 year after a DWI conviction. My record was clean for 35 years prior to that. How do I obtain affordable automobile insurance in North Carolina?"|"2012-09-02 12:46:06"|"28043"|"Alexander Mills"|"NC"|"https://insurance.freeadvice.com/insurance-questions/how-can-i-find-affordable-1467.htm" "2012-08-28 10:49:29"|"auto-insurance-qa"|"I pulled into a service garage and forgot that my bike was on top. It damaged the bike and my car. No signs posted about clearance. Who's at fault?"|"In insurance you as a driver are expected to show reasonable care and caution while driving your vehicle. Even though the garage did not show any clearance you should have realized that the height of the entry was well below the height of your car and bike. Based on this, the accident will be considered your fault.Your car will be covered under the collision portion of your policy, less your deductible. The damage to the bike will be covered under your homeowner insurance as a personal property loss and a separate deductible will apply to the damages to the bike. If you damaged the building or entryway, your liability coverage under the auto insurance will pay for those damages. There is no deductible for damage to the other property. If the total damage exceeds a certaion limit under the auto insurance then you could be surcharged on your insurance for the accident. Usually this amount is between $750 to $1,000."|""|"2012-09-02 12:50:56"|"80207"|"Denver"|"CO"|"https://insurance.freeadvice.com/insurance-questions/i-pulled-into-a-service-g-1466.htm" "2012-08-27 15:23:27"|"auto-insurance-qa"|"Car fixed"|"Question?"|""|"2012-08-28 09:26:29"|"43228"|"Columbus"|"OH"|"https://insurance.freeadvice.com/insurance-questions/car-fixed-1464.htm" "2012-08-26 09:04:27"|"auto-insurance-qa"|"Will an insurance company generally cover damage caused by a collision while driving with an expired regitstration in the state of Texas?"|"Auto insurance is not affected by the lack of current registration of a car if you are involved in an accident. There is no bearing for that regarding the accident. If the police were called you could be subject to a ticket for the expired registration but that could be resolved if you get the registration brought up to date.If you caused an accident, call your insurance agent or company and report the claim. The question of registration will not be asked. Give the adjuster your version of the accident. They will then contact the other party and work to settle the claim. If you were at fault then your company will settle for the damages to the other car. If you had little or no damage it is your decision as to whether to fix your car. Your damages may be below the deductible, so no settlement will be available from your insurance company."|"I was involved in an accident, which damaged my car, with minor damage to the other parties vehicle and am trying to understand if my policy is void as a result of a lapsed registration?"|"2012-08-28 09:31:52"|"78732"|"Austin"|"TX"|"https://insurance.freeadvice.com/insurance-questions/will-an-insurance-company-1459.htm" "2012-08-26 06:36:06"|"auto-insurance-qa"|"Involved in a car acciedent and did not have insurance, can I fight the at faukt charge?"|"If you were at fault in an auto accident and had no insurance, then you are in violation of the law requiring that you have insurance.You can fight the charge of being at fault, but you were at a stop sign and did not have the right of way for the intersection. Without witnesses to prove the other party was speeding, and if the police did not charge the other party with speeding, you will find it difficult, if not impossible, to prove your side. You will need to go to court and the fact that you were driving without insurance is not going to work in your favor.The insurance company for the other driver does have the duty to try to recover the damages they paid out for thier insured. They can pursue this in court and you will be expected to reimburse them for the damages. You can work out a payment plan with them."|"I was involved in a car accident a little over a year ago. I left a stop sign and was hit by a vehicle. The other vehicle had the right of way. I was charged for failure to yield. I believe that the other vehicle was speeding, I honestly did not see him coming. I was driving a 93 Cadillac Deville, which was turned 90 degrees and pushed about 500 feet into a telephone pole. My car was totaled. The other driver was driving down a local city st , speed limit 35 mph, 6000 damage to his vehicle. I am being sued by his insurance company for the property damage, because I was uninsured. Advice"|"2012-08-28 09:36:49"|"23704"|"Portsmouth"|"VA"|"https://insurance.freeadvice.com/insurance-questions/involved-in-a-car-acciede-1458.htm" "2012-08-22 15:04:20"|"auto-insurance-qa"|"Will my nc insurance cover me driving someone else's car in Georgia if I move to work and live there?"|"In auto insurance the insurance follows the car. So, if you are driving your boyfriend's car then his insurance will be responsible if you cause an accident.If you have an accident, then the insurance company will ask about you as a member of the household and if you are a regular driver. If you are, you will probably have to be added to your boyfriend's policy. Your driving record will affect the cost of adding you to your boyfriend's insurance.If you do buy a car, you will need to insure it in the state where it is registered. Each state has different rules and laws about insurance, so it is best to insure it and register it where you live. You can choose to register and insure it in NC, but you could get caught if the police continually see you in Georgia with NC plates. Make sure you are really saving enough money to make it worth the trouble of registering and insuring out of state. "|"I have nc coverage on a policy with my mother. I am selling my car and moving to Georgia in Sept. I have no job at this point but plan to get one asap. I would like to retain my nc insurance because it would be cheaper to stay on my mother's policy. Would I be covered in case of an accident driving my boyfriends car?"|"2012-08-22 17:39:49"|"27520"|"Archers Lodge"|"NC"|"https://insurance.freeadvice.com/insurance-questions/will-my-nc-insurance-cove-1447.htm" "2012-08-21 17:01:25"|"auto-insurance-qa"|"If I was to drive a truck where the title is in my mothers name would she then be liable if I were to get in to an accident."|"Auto insurance follows the car, not the driver. Therefore, if you are driving your mother's car and cause an accident, then she would be responsible for the damages in the accident. If the truck is not insured, then you and your mother could face fines and tickets for not having the truck insured.You should obtain insurance on the truck in the name of your mother. You can be listed on the policy as a driver and then you would have the proper insurance needed for the truck. If you are listed on the policy then your driving record would have an effect on the rates charged for the policy. It makes no difference who pays for the insurance, so you could pay for it even if it is in your mother's name. You could also transfer ownership to you and buy a policy in your name. This would avoid your mother having any liability for an accident caused by you."|"The truck is not insured and I live in my mothers house with my step father. Because I live in there house and the title is in my mothers name would any liability fall in her hands if I were to get in to an accident? Could someone potentially go after my parents even though i got in to the accident? Thank you in advance for any help you can provide."|"2012-08-22 11:17:48"|"03303"|"Boscawen"|"NH"|"https://insurance.freeadvice.com/insurance-questions/if-i-was-to-drive-a-truck-1442.htm" "2012-08-21 10:04:12"|"auto-insurance-qa"|"Is this legal?"|"this isn't an insurance question - check with the DMV"|"How can a vehicle be classified as salvaged by an insurance company and three years later have a clean title in another state. Is this legal."|"2012-08-22 17:40:44"|"77002"|"Clutch City"|"TX"|"https://insurance.freeadvice.com/insurance-questions/is-this-legal-1441.htm" "2012-08-16 18:46:02"|"auto-insurance-qa"|"Can I buy insurance on a truck I don't own"|"Auto insurance should be in the name of the titled person. You say it is titled to your deceased husband and his father - if the father is still alive then the insurance should be put in his name for now. If he is deceased, then talk to the insurance company. Usually the policy can remain in effect and the heirs or trustees of an estate can be confirmed as the insured until the title gets settled. You may want to park the truck until you determine how the insurance will handle a claim. Since you are listed on the policy there will be coverage in the event of an accident, but the claim check may be issued to your husband unless the estate portion will cover it.If the truck is financed you need to talk to the finance company and see if they will put you on the loan. If so, then you can put the policy in your name and there will be no problems. Unless you have a credit problem there should be no issue to change the title."|"Truck is financed and titled in my husband and his fathers names. Husband died 4 months ago.. Insurance is in his name with me as a driver. Can I get insurance on it in my name alone? If I have a claim will they pay it if they find out he's deceased?"|"2012-08-19 12:48:18"|"85120"|"Apache Junction"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/can-i-buy-insurance-on-a--1431.htm" "2012-08-16 14:53:20"|"auto-insurance-qa"|"Can someone have their insurance company have my license suspended for a accident that someone else had in my car?"|"In auto insurance the insurance follows the car, no matter who is driving that car. If someone else was driving your car and caused an accident, then your insurance company should handle the claim.You need to call your insurance company and report the claim. It has been a long time since the accident, and the insurance company could deny the claim, but you should explain that you did not understand you were responsible. One of the other insurance companies should have explained this to you so this would not have dragged on so long.Your license could be suspended if you did not have insurance at the time of the accident. Presuming you had insurance then reporting the claim should resolve that part of the incident and get things moving forward. If the other insurance company calls you again, refer them to your insurance company to settle the claim. If you did not have insurance, thenyou will need to work with the other insurance company to settle the damages caused by your car."|"In 2009 a person who I knew stole my car and got into an accident. The other party to the accident's insurance company has been calling me trying to get payment and I have been referring them to the person who drove the car. Now the other parties insurance company has called me advising If I dont agree to make payment by next month they will sue me for the entire amout and have my licence suspended! Can they have my license suspended for an accident I was not in, and the person whom I knew admitted that they stole my car, and has said they are willing to make payment arrangements."|"2012-08-19 13:38:26"|"94541"|"Hayward"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-someone-have-their-in-1430.htm" "2012-08-16 10:18:23"|"auto-insurance-qa"|"i got into a car accident and i dont have a licence or insurance it was not my fault what could i except to happen to my car ?"|"While it is the law that you have a license and insurance if you are operating a vehicle, if the accident was not your fault then the insurance company who insures the other driver should pay for the repairs to your car. If they try to deny coverage because you are not insured, you will have to ask for a supervisor and try to get them to settle the claim. A copy of the police report could help you in proving that you were not at fault.The police could fine you for not having a license or insurance, but, again, that has no bearing on the case and you are entitled to reimbursement for the damages and any injuries that you may have suffered. Stay in touch with the insurance company and keep pressuring them to settle the claim. If you are not successful you may have to get an attorney, or contact the Dept of Insurance to see if they can pressure the company to settle this claim. Then go get insurance!"|"the cops said that it was not my fault and that i could pick up the police report in 10 business days so i just need to know since it was not my fault does the ladys insurance help me out with my car "|"2012-08-19 13:43:09"|"92026"|"Escondido"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-got-into-a-car-accident-1429.htm" "2012-08-15 10:09:48"|"auto-insurance-qa"|"the insurance wants to prepare a release but need the name of the noncustodial parent. why do they need that information"|"I need more info on what this is about"|""|"2012-08-16 09:40:41"|"46617"|"South Bend"|"IN"|"https://insurance.freeadvice.com/insurance-questions/the-insurance-wants-to-pr-1427.htm" "2012-08-15 09:33:52"|"auto-insurance-qa"|"What if when the insurance company called to make you an offer you said yes... but really you were under stress and want to get with a lawyer? Can you"|"talk to an attorney"|"What if when the insurance company called to make you an offer on a settlement from a car accident that was not your fault at all... you said yes because you didn't really understand the facts. But in reality you want to speak with a lawyer... Can you do this? If so how? Do you call the insurance company back and let them know or do you go straight to a lawyer?"|"2012-08-16 09:41:09"|"80017"|"Aurora"|"CO"|"https://insurance.freeadvice.com/insurance-questions/what-if-when-the-insuranc-1426.htm" "2012-08-14 23:41:22"|"auto-insurance-qa"|"Who should pay? And if they refuse, should I sue?"|"If your parked car was damaged due to a hit and run accident and the responsible party had no insurance, then you need to see if you have coverage under your policy. You indicate you don't have uninsured motorist coverage, but that is not the portion of the insurance policy that would apply. If you have collision coverage then your policy will pay for the damges, less your deductible. Then your insurance company will try to get reimbursement from the responsible driver.Uninsured motorist coverage is for bodily injury coverage caused by an uninsured or underinsured driver. While some policies have uninsured property damage coverage, it is very inexpensive. That would apply if you do not have collision coverage.If you do not have collision coverage or uninsured property damage then your only option is to take the driver of the truck to small claims court. You will probably win, but then you will have to try to get payment from them. The court will usually not help you collect for your loss."|"A pickup truck driver clipped a motorcyclist, whose bike skidded into my parked car on the side of the street. The trucker did a hit-and-run, but a witness got the license plate number. The trucker is unlicensed and uninsured. The biker's insurance refuses to pay for repairs to my car because their client was not at fault. The trucker has no insurance and likely has no money to pay for my repairs. I'm a grad student and could not afford uninsured driver coverage on my policy. Should I sue the biker's insurance? Would I have a decent chance of persevering in court?"|"2012-08-16 09:47:29"|"80010"|"Aurora"|"CO"|"https://insurance.freeadvice.com/insurance-questions/who-should-pay-and-if-the-1425.htm" "2012-08-14 00:52:28"|"auto-insurance-qa"|"If my children (minors) are untitled to pain and suffering from a car accident do i have to wait until they are 18 to recive it? "|"this is more a legal question"|"We recently was in a accident where it was the other guys falt. His inc company offered us a amount for pain and suffering, then the next day said they are unable to give it to us, without going to court. Because the children are minors. otherwise we would get it when they turn 18. Is this right??? Or are they just trying to pay as little as possible?"|"2012-08-16 09:47:53"|"86314"|"Prescott Valley"|"AZ"|"https://insurance.freeadvice.com/insurance-questions/if-my-children-minors-are-1424.htm" "2012-08-13 17:32:03"|"auto-insurance-qa"|"What should I do if my auto insurance claim is denied based on false assumptions?"|"The extent of the damage to your car, a broken mirror, is probably below your deductible, so your insurance is probably not an option since the damage is probably under your deductible.The other insurance company is denying coverage saying you were the cause of the accident. It is likely the other driver has told their insurance company that you were changing lanes rather than them being the one changing lanes. You should contact the insurance company and ask them to reconsider the claim. Explain that you have photos to indicate support for your claim. If there was a police report and/or witnesses tell the adjuster you have that too. If the adjuster declines to proceed on the claim, ask to speak to a supervisor. Ask them to review the claim and see if they will cooperate. If they again decline then your only option is to try to get reimbursement from the other driver directly. "|"A driver sideswiped me and broke of my mirror. My claim with their company was denied because "The driver of your vehicle failed to 'proeprly' (agent misspelling, not mine) look when changing lanes resulting in a collision with our policy holder. The issue with this is I was not changing lanes, the other driver was. The decision was made before I even had an inspection with them.They never looked at my vehicle or at my accident photos.What are my options in appealing this?"|"2012-08-16 09:53:36"|"20748"|"Camp Springs"|"MD"|"https://insurance.freeadvice.com/insurance-questions/what-should-i-do-if-my-au-1423.htm" "2012-08-13 11:17:43"|"auto-insurance-qa"|"Claim Question"|"In auto insurance the insurance coverage follows the car. That means even though your boyfriend was driving the car, your insurance will be the insurance coverage for an at fault accident.If the other insurance company has contacted you for the damages to the other party's car, you need to report the claim to your insurance company. Call your agent or company and give them the details of the accident, and explain that you were not the driver. Your insurance company will then handle the claim with the other insurance company. Give them the information for the other insurance company so they can get to work with them.Your rates will not be affected unless yoiur boyfriend is listed on your policy as a driver. His insurance will be affected if the damage is over an certain amount. If your boyfriend does not have other insurance, then your company may want to add him to your policy going forward."|"My vehicle, was involved in a really small accident that my boyfriend drove my car because I was at work, so small only my license plate was dented, the other driver that was involved that day said there was no damage done to there car, well now I get a notice from there insurance company saying there is damages and coming after me for money, do I have any rights? I'm not disputing my car being there, I know it is my, but they won't complete details on this accident, and other info but I was not there, before I give my info. Am I able to ask them what they are after me for damage wise? Thanks"|"2012-08-16 09:57:53"|"43231"|"Columbus"|"OH"|"https://insurance.freeadvice.com/insurance-questions/claim-question-1421.htm" "2012-08-12 09:14:18"|"auto-insurance-qa"|"will the other insurance company pay for the damage?"|"If you were struck by another driver and had existing damage to the same area of the car, you need to be honest with the other insurance company and advise them of the pre existing damage. It may not have an effect on the settlement of the claim,, but the fact that the bumper had already been struck could cause the bumper to need to be replaced instead of repaired.The adjuster for the other insurance company should be able to determine that the bumper was already damaged, since the existing damage was on the other side of the car. You can wait to tell them of the damage to see if they ask. If you have to take the car to a repair facility to get an estimate that place should be able to determine that the bumper was already damaged. If not, you should be forthright with the information and let them determine if it affects the claim."|"A car backed into my car in a parking lot. I was parked and still in the car. The accident caused a dent in my driver's side bumper. I already had a previous dent on the passenger side from bumping into a short wall. I had not reported my accident to my insurance company because I went on vacation for 3 weeks. If the only way to fix my bumper is to replace the whole thing, does it matter that I had already dented it on the other side?"|"2012-08-12 13:29:58"|"09096"|"APO"|"AE"|"https://insurance.freeadvice.com/insurance-questions/will-the-other-insurance--1420.htm" "2012-08-10 14:16:47"|"auto-insurance-qa"|"What does " your car insurance is no longer in effect" mean?"|"If you received a notice that says "your car insurance is no longer in effect" it means just what it says. The insurance is not in effect as of the date of that letter.Some insurance companies will allow you to pay late and will reinstate the insurance with a lapse in coverage. The insurance will reinstate as of the date the payment is received, but you will have been without insurance for the time from the cancellation date to the date payment was received.You should call your insurance company immediately to see if they will allow you to pay the premium and reinstate the policy. This is usually much easier than starting over again with a new policy. Plus if you have any discounts for having been with the company over a period of time you will get to keep that discount.If the company will not allow you to reinstate the policy then ask if they will rewrite the insurance. If so, be prepared to give them a payment immediately as they won't reinstate without payment."|"I lapsed in my car insurance payment,I was sent a notice stating it is no longer in effect,does that mean its been canceled and I should get another one?"|"2012-08-11 15:15:32"|"34984"|"Fort Pierce"|"FL"|"https://insurance.freeadvice.com/insurance-questions/what-does-your-car-insura-1419.htm" "2012-08-09 20:14:45"|"auto-insurance-qa"|"can i up my policy before reporting an accident?"|"You can add coverage to your motorcycle insurance policy before reporting a claim, but the addition of the coverage will not apply to the current damage to the bike. You will have to give the date of the loss and if you file a false report to get the coverage, by changing the date of the loss, you could face criminal charges and lose the insurance policy that you have. You would also not be able to find replacement coverage with a different company, since insurance companies report to an agency that notifies all companies of such fraudulent claims.The best way to handle this will be to pay to repair the bike and then add the comprehensive and collision coverage. The cost is not that high, depending upon what type of bike you have, your driving record and the ccs on it. You can choose higher deductibles to keep the costs down, but of course that may make any small claim self insurec."|"motorcycle coverageno other vehicles involvedlay overadding comp and collision"|"2012-08-10 10:19:26"|"71913"|"Hot Springs"|"AR"|"https://insurance.freeadvice.com/insurance-questions/can-i-up-my-policy-before-1418.htm" "2012-08-07 19:08:21"|"auto-insurance-qa"|"What do I do after my claim is denied?"|"If your car was damaged in an accident, and there was ensuing damage found, then the insurance company does investigate to see if the ensuing problem is related to the collision.In your case there are conflicting reports as to the cause of the damage. You didn't indicate if there was frame damage to the car. If there was, then the damage to the differential could have been a result. However, as the insurance company is saying, since most of the damage is to the front end of the car, the damage to the differential may not be related.Apparently your car was repaired at a place other than the dealership. If so, have them check the car and see what they say. They may be able to convince your insurance company that the damage is related. However, they may not be successful. You then may try to speak to a supervisor to see if they will take a different postion on the claim."|"I was in a hit and run so I had to file a claim with my insurance.My insurance payed for my car to get fixed but after getting my car back I started to hear noises while driving. I took it back to the collision center and they told me to take it to the dealership which I did.They reported back that it was the rear differential.The insurance is denying this claim cause they say since most of the damage was in the front of the car (front door a little damage on rear door) there is no way it can effect the rear differential.Dealership confirmed that a hard enough impact could effect the rear diff"|"2012-08-09 09:36:55"|"60644"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/what-do-i-do-after-my-cla-1412.htm" "2012-08-07 13:53:23"|"auto-insurance-qa"|"HOW DO YOU IDENTIFY A COMMON CARRIER"|"contact your dept of motor vehicles - not an insurance question."|""|"2012-08-16 09:58:23"|"71112"|"Bossier City"|"LA"|"https://insurance.freeadvice.com/insurance-questions/how-do-you-identify-a-com-1411.htm" "2012-08-07 10:38:24"|"auto-insurance-qa"|"Does "underwriting" need to know who my in-laws' insurance company is if I move in with them?"|"Auto insurance is rated based on the drivers in the household. Since you and your husband are now living with your in-laws, your insurance company has the right to know of the other drivers in the household. This is standard procedure for auto insurance.Since this is a temporary situation, you can tell your agent or company that this is temporary. However, they still may want to know that your in-laws have their own insurance. If they do not, then they will need to be added to your insurance policy, in the event they drive one of your cars. The other option is to exclude them from your policy.Your in-law's auto insurance company may also ask for your insurance information so they know that you have insurance. Again, this is standard procedures for auto insurance companies as they always need to know of the exposure in the household."|"Our lease is up, so husband and I are staying with the in-laws until we can move into the new home we are anticipating buying. He and I have different auto insurance carriers. I informed my carrier that I was going to have a different address temporarily and she asked me what insurance company the in-laws are with currently because "underwriting will ask since you are now in the same household." I don't think it's really any of their business."|"2012-08-16 10:04:05"|"68601"|"Columbus"|"NE"|"https://insurance.freeadvice.com/insurance-questions/does-underwriting-need-to-1410.htm" "2012-08-06 21:42:10"|"auto-insurance-qa"|"My trucks frame is rusted so if im driving down the road and it breaks will insurance cover it?"|"Auto insurance is intended to cover an accidental loss to your vehicle (if you have physical damage coverage) and liability coverage if you cause damage or injury to someone else. If you know your vehicle needs repairs, you would not be covered for the damage to the vehicle. If you are expecting your insurance company to pay to repair your vehicle due to the frame being rusted, you will find that your insurance will not pay for the damages to the vehicle.If it is determined you knew your vehicle was unsafe to drive and you cause an accident due to the condition of the vehicle, you could be held responsible by the insurance company. They will pay for any damage or injuries caused by an accident, but if the insurance company determines you knew the car was unsafe to drive they could come back to you to reimburse them for the damages your vehicle caused."|"My frame is rusted and lets say im driving down the road and something breaks, will my insurance cover it? I have full insurance. "|"2012-08-06 21:58:29"|"19111"|"Lawncrest"|"PA"|"https://insurance.freeadvice.com/insurance-questions/my-trucks-frame-is-rusted-1407.htm" "2012-08-04 11:34:12"|"auto-insurance-qa"|"What is the procedure if your car is stolen from a car repair shop?"|"If the car that you bought, and then stolen, was a replacement car or additional car, your insurance would automatically cover the car from the date it was purchased. This coverage applies for a period of 10-14 days giving you time to report to your insurance company of the new car. If you had comprehensive insurance on it, then it would be covered by your insurance. Your company will settle the claim with you and then will go after the repair shop for reimbursement.If you did not have insurance on it, you need to talk to the repair shop and get the name of their insurance company so you can work directly with them. don't try to work through the shop, as they are not who you need to deal with. If the shop has not reported the claim have them do it while you are there, to make sure it happens. If they are reluctant, call the police and see if they can get the shop to report the claim. "|"I bought a car. I took it to a repair shop for some minor repairs because it wouldnt pass inspection and it constantly ran hot. The car was at the shop for about a week and no one called with any info on the car. When i went to the shop, the owner informed me that the car was stolen. The owner called the police and filed a police report. The only problem was that my bill of sale with the vin # was in the car. so the police report could not be finished until the vin # was given. I got the vin # and i got the police report and took it to the shop. and now its been almost a month & no claim filed"|"2012-08-04 15:09:34"|"38115"|"Hickory Hill"|"TN"|"https://insurance.freeadvice.com/insurance-questions/what-is-the-procedure-if--1402.htm" "2012-08-03 15:14:31"|"auto-insurance-qa"|"When somebody hits your car. How long do you wait till you get your deductable backfrom the other Ins. co. ?"|"If your car is damaged in an accident, and you go through your insurance company for the repairs, then your insurance company will contact the responsible insurance company for reimbursement. This is called subrogation.Subrogation can take one to two months to resolve. Your insurance company has to settle the claim with you and then find the insurance company which covered the other party. They then file a claim through that company and that company will investigate the claim themselves and determine if they are responsible for the damages. Some companies work very slowly on this and others are prompt.If it has been over two months, call your adjuster and see if they can tell you how the process is going. If it less than two months, wait a little while longer. Your insurance company wants its money back so they will pursue this claim.Sometimes it is better to go through the other insurance company since they will pay the full amount of repairs. If you had done this you wouldn't be waiting for your reimbursement."|" I need my deductable back"|"2012-08-04 15:14:38"|"19063"|"Elwyn"|"PA"|"https://insurance.freeadvice.com/insurance-questions/when-somebody-hits-your-c-1400.htm" "2012-08-03 13:10:19"|"auto-insurance-qa"|"If your insurance company drops you, but you were rear ended before they dropped you can you still get the car fixed?"|"If you were rear ended by the other party, their insurance company should pay for the repairs to your vehicle. If your insurance company dropped you after the accident, it really has no effect on your claim.If you have not received the repair check, contact the other insurance company and ask them for the status of the claim. You will probably have to tell them where you will be repairing the car, as many insurance companies will not make the payment directly to the claimant. See how they want to handled the settlement. There are companies that will make the check payable to you. Just be sure you understand how the claim will settle out.Obviously, you need to find replacement insurance for your car, but again, the cancellation by your insurance company should have no effect on this claim since the status of your insurance had nothing to do with the claim."|"I was rear ended by a pt cruiser and the person that rear ended me their insurance is suppose to pay for fixing it. But i got dropped from my auto insurance provider before i could go get it fixed. would it cost me or does the other person's insurance company pay for it still? "|"2012-08-05 11:10:42"|"74017"|"Claremore"|"OK"|"https://insurance.freeadvice.com/insurance-questions/if-your-insurance-company-1399.htm" "2012-08-01 11:51:09"|"auto-insurance-qa"|"I am looking into buying a new vehicle. A few years ago I hit a trailor hitch and had some body work done to my vehicle. I am trying to sell it, will"|"I don't know how carfax works. Not an insurance question"|"I am looking into buying a new vehicle. A few years ago I hit a trailor hitch and had some body work done to my vehicle. I am trying to sell it, will that "accident" show up on a car fax? "|"2012-08-02 18:06:59"|"55056"|"Branch"|"MN"|"https://insurance.freeadvice.com/insurance-questions/i-am-looking-into-buying--1392.htm" "2012-07-31 16:20:07"|"auto-insurance-qa"|"can you trade your vehicle with someone else's on craigslist even if the car isn't under your name?"|"Not really an insurance question but I wouldn't buy a car from someone who isn't on title."|"like can you need the person who's name thats on the vehicle to be there when trading??"|"2012-08-02 18:07:43"|"32566"|"Gulf Breeze"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-you-trade-your-vehicl-1389.htm" "2012-07-26 11:22:59"|"auto-insurance-qa"|"Can my insurance company refuse to take me off my and my wifes auto policy after a dwi? even though I no longer own a car or have a license?"|"If you do not have a license, your insurance company should not refuse to remove you from the policy. I presume your license has been suspended due to your ticket, so continuing to insure you makes no sense, unless there is some law in your state. It seems the company is trying to keep the insurance premiums high due to your record.You may have to try again to get yourself removed and say that you will sign an exclusion. This would be written evidence that you are not covered if you use the car. You and your wife will probably need to sign the exclusion. If the company continues to refuse to remove you, you should ask to speak to a supervisor. If that does not work, you may need to contact your Dept of Insurance and see if they can assist you. That is not the easiest way to go, so try to work things out with your insurance company."|"I'm on an auto policy with my wife, last year I was arrested for dwi. now the rate are thru the roof... I called to take myself off of the policy but they refused. I'm not a licensed driver and I have no vehicles in my name or registered to me. my wife owns her own car and the loan is in her name, nothing is in my name.. can the insurance company deny to cancel me? I've never heard of this"|"2012-07-26 17:32:07"|"13732"|"Apalachin"|"NY"|"https://insurance.freeadvice.com/insurance-questions/can-my-insurance-company--1370.htm" "2012-07-25 22:08:15"|"auto-insurance-qa"|"Can a insurance company take a big deposit and let you make3 months payments and for no reason just drop you and we signed a contract for a year.This "|"Insurance companies have different payment plans available. Most require a one or two month down payment and then allow you to pay monthly for the remaining balance. However, if you do not make the premium payments, the insurance company may cancel your insurance, with proper notice.You say they are trying to drop you for no reason. If there was a ticket or accident on your record that you did not declare when you applied for the insurance, and then the company found out, they could cancel you for withholding underwriting information. Also, if you received a major violation during the policy term, the company could non renew you, but could not cancel you midterm unless you lost your license.You should call the insurance company and find out why they have terminated your insurance. They had to give a reason, and a notice that they were cancelling. The notice is 15 to 30 days. "|""|"2012-07-26 17:37:54"|"93727"|"Fresno"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-a-insurance-company-t-1368.htm" "2012-07-25 14:00:50"|"auto-insurance-qa"|"Is our trailer and equipment covered under our auto insurance when attached to our parked truck during a hit-and-run incident?"|"In auto insurance, trailers are automatically insured for liability coverage when being towed by an insured vehicle. In this case, the vehicle and trailer were parked. The truck damage, if there was some, is covered by your automobile insurance policy.In the case of the trailer, you need to have specific insurance on the trailer for it to be covered for damages. Some insurance companies will add the trailer to your insurance policy and some write a separate policy for the trailer. You should check with your insurance agent to see if you purchased insurance coverage on the trailer specifically. If there is no specific insurance on the trailer, then you would not have coverage.Hopefully you have reported the incident to the police. It would seem there would be some damage to the truck that caused the accident and they may be able to find the driver and charge him with a hit and run accident. You could then go after his insurance company for your damages."|"Our truck was sitting in our driveway yesterday with trailer attached, lawnmower on top of trailer. A semi came down our road, ripped down the power lines over the road, pulling the 100 amp cable off our building and out of the box. As he continued to drive away, the cable wrapped around our trailer and lawnmower, splintering one side of our trailer, and destroying the front half of our mower. The driver never stopped. Can we claim the damages to our equipment under our auto insurance?"|"2012-07-26 17:43:51"|"13035"|"Cazenovia"|"NY"|"https://insurance.freeadvice.com/insurance-questions/is-our-trailer-and-equipm-1367.htm" "2012-07-19 21:08:01"|"auto-insurance-qa"|"5 months preg at time of accident Ins. company not accepting liablity for the preg"|"When an auto accident involves a pregnant claimant and the pregnancy is affected by the accident, most insurance companies will accept the liability and pay for the medical expenses incurred by the claimant. Since there is not much detail regarding the accident, it is hard to understand the circumstances. If you didn't have any other injuries, the insurance company may feel the problems didn't come from the accident.You should talk to your doctor and see if they feel the problems with the pregnancy are because of the accident. Have the doctor write a letter to the insurance company stating this. Then see if the insurance company takes any additional responsibility for the problems with the pregnancy.You should also check into your insurance policy to see if you have medical payments coverage. If you do, file a claim with your insurance company. If they pay out, they will probably try to subrogate against the other insurance company for the amount they paid, and could force the company to accept more liability."|"I was 5 months preg when I got into an accident and the dr stated that since the accident I have been having contractions. the ins company is not accepting the bills i have for pre-term labor and i had the baby at 33 wks ges. ins offered 15,000 ad advised me they were not accepting liabilty for the pregnancy. Can they not accept the liabilty? Do you think I need to get advise from atty? "|"2012-07-26 17:49:46"|"29229"|"Columbia"|"SC"|"https://insurance.freeadvice.com/insurance-questions/5-months-preg-at-time-of--1353.htm" "2012-07-19 21:01:32"|"auto-insurance-qa"|"WHAT IF YOU WERE PREGNANT DURING AN ACCIDENT AND THE COMPANY TELLS YOU THAT THEY ARE NOT ACCEPTING LIABLILTY FOR THE BABY?"|"duplicate question"|""|"2012-07-26 17:50:06"|"29229"|"Columbia"|"SC"|"https://insurance.freeadvice.com/insurance-questions/what-if-you-were-pregnant-1352.htm" "2012-07-19 13:32:57"|"auto-insurance-qa"|"I was hit by car car in the rear, he was drunk and arrested. He submitted a claim to his insurance company stating I hit him, his insurance company "|"If another driver causes an accident and is intoxicated, it does not absolve the insurance company for that driver from being responsible for your repairs. Even if the insurance company decides to cancel the insurance they can not go back to retroactively cancel the insurance. They must send a notice to the policyholder and give a certain number of days before they can cancel.You may have to contact your insurance company and file a claim through them. they will pay for the damages to your car, less your deductible, and then investigate and try to get reimbursement from the other insurance company. Since the other driver rear-ended you, it is difficult to deny liability for the accident. Also, if the other driver was arrested for DUI that makes your case stronger.If you did not have physical damage coverage on your car, then you have to work with the other insurance company. You will need to be persistent to get them to work with you. Ask for a supervisor if you are unsuccessful with the adjuster."|"His insurance company can't contact him therefore they informed me they will cancell his policy and the accident will not be covered."|"2012-07-24 09:36:25"|"33125"|"Miami"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-was-hit-by-car-car-in-t-1350.htm" "2012-07-17 21:54:18"|"auto-insurance-qa"|"I'm I responsible for an unpaid balance"|"If you were involved in an auto accident that was not your fault, then the insurance company for the responsible party should pay for all damages to the car you were driving. Since the car was from a car dealership, there could have been a contract that you signed that holds you responsible for damages to the vehicle. See if you had such a contract. However, the dealership still should have gone to the other insurance company for the cost of the repairs. If they were unable to collect the full amount, and you had a contract, then you could be held responsible for the damages, but find out why the other insurance company did not pay for the damages.If you are responsible, check with your insurance company to see if they will pay for the damages that the dealership is seeking. You may have coverage under your insurance policy, even though the accident was not your fault."|"I was in the process of buying a vehicle, I was involved in an accident. I gave the vehicle back to the dealership with the damages, the other vehicle was at fault, the claim was given to the dealership and they said they would take it from there. The dealership fixed the vehicle and the insurance paid a certain amount and said that I owed a balance and that I had three business days to pay the remaining balance, can they do that."|"2012-07-26 17:54:53"|"36870"|"Phenix City"|"AL"|"https://insurance.freeadvice.com/insurance-questions/i-m-i-responsible-for-an--1346.htm" "2012-07-16 17:18:55"|"auto-insurance-qa"|"This is in regards to who can be held responsible in subrogation?"|"Auto insurance for a vehicle in an accident follows the car. You did not indicate if the car was insured, but presuming it was, then the insurance for that car should respond for the damages caused by your son.The other insurance company is pursuing the registered owner of the car, which in this case includes your father. Since they were able to contact him, they have pursued reimbursement from him. You need to report this incident to your insurance company, if you have not already done so. Your insurance company will respond to the other insurance company regarding the damages they are seeking. Tell the other insurance company who your insurance company is and they will then contact them and leave your father and you alone.If you have already reported the accident, tell the other insurance company that your insurance company is handling this claim. If you have the claim number, provide the other insurance company with that information and ask them to contact your company and leave you alone."|"My father and I are listed on the title of a car that my son was driving when he caused an accident. The other parties insurance company sent a letter of subrogation to my father, not myself or my son, first in the amount of $1400. Then after my dad spoke with them, he gets a second letter saying it is $2800 and they have not sent any such letter to myself or son, who again was the driver. Of course, my dad wants to pay this, how do I make sure after it is paid the insurance company does not come after my son or myself for more money. And as an owner only, should my dad pay at all?"|"2012-07-19 09:43:57"|"34705"|"Astatula"|"FL"|"https://insurance.freeadvice.com/insurance-questions/this-is-in-regards-to-who-1331.htm" "2012-07-16 13:45:19"|"auto-insurance-qa"|"Another driver slammed into the back my car while parked in a parking space in a shopping center"|"If your car was parked and the other driver caused damage to your car, you have the right to get your car repaired. You need to talk to the other driver's insurance company rather than to the driver. Make sure he has reported the incident to his insurance company and you will then contact them for the repairs. Do not try to settle this with the other driver.The other driver's insurance company will investigate the incident. If they find there was previous damage to your car, they will only pay for the repairs that were caused by their driver. They will check your car to see if there is evidence of rust or other proof of previous damage. You should be honest with the insurance company because lying is only going to make settlement more difficult. Do not repair your car until you have settled with the other insurance company."|"The police would not respond to the scene, because it is considered private property the other party is now stating that they did not do all of the damage and I need my car fixed. I have liability only and my insurance will not fix it. Will I be able to take my car to a body shop and have it repaired?"|"2012-07-19 09:48:34"|"35758"|"Madison"|"AL"|"https://insurance.freeadvice.com/insurance-questions/another-driver-slammed-in-1329.htm" "2012-07-13 11:32:06"|"auto-insurance-qa"|"At fault drivers ins company is saying I couldn't be hurt because the value of damage to my car is low"|"Insurance companies will investigate an accident and will often presume that due to low damage to a vehicle that injuries claimed might not be totally true. Unfortunately, many people try to collect for injuries falsly when there is an accident, and insurance companies are taking a hard line on these claims.You should be sure that you have substantiated medical evidence of your injuries. This can be with an MD or a chiropractor. While many people do not think chiropractors are doctors, they can determine if there is a misalignment in your neck and or back that would account for your pain or injuries. An xray can also show the misalignment. These can be from an MD or a chiropractor.Explain to the adjuster of your pain and tell him if you have xrays or other evidence to back up the claims. Depending upon the amount you are attempting to collect, they may be willing to offer a settlement to you."|"Wy would they say this? My back and neck didn't hurt before the accident. "|"2012-07-13 17:39:04"|"94107"|"San Francisco"|"CA"|"https://insurance.freeadvice.com/insurance-questions/at-fault-drivers-ins-comp-1325.htm" "2012-07-12 07:55:48"|"auto-insurance-qa"|"what is a reasonable settlement amount for being hurt in an auto accident?"|"Sorry I answer insurance questions, not settlement questions"|"No broken bones but injuries that i stiil have therapy for after 11/2 years- still pain and worry about poss surgery in the future-attorney not pushing for any more then the company offered and i dont want to sell my self short"|"2012-07-16 11:22:35"|"13334"|"Eaton"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-is-a-reasonable-sett-1320.htm" "2012-07-12 03:54:21"|"auto-insurance-qa"|"passenger in vehicle was intoxicated and injured"|"If you are involved in an accident and a passenger is injured, the passenger can file a claim against you for his injuries. You do not indicate if the accident was your fault or not. If you were not at fault, then your passenger should file a claim against the other driver's insurance. If you were responsible, then they would file a claim against you. Your insurance company will investigate and determine the injury settlement for the passenger. Even if he was intoxicated, he was injured, and that is still an issue for the accident. The negligence would rest on the driver who caused the accident.Do not get involved in the claim other than to give a statement to your insurance company as to the details of the accident. You can declare that the other person seemed to be intoxicated, but it will be the insurance company's decision as to whether the injuries are comparable to the damage to the car and other parties in the car."|"does the fact that this passeneger was intoxicated have any impact if he sues me or my insurance company for damages. no one else in car was drunk or injured"|"2012-07-19 09:53:52"|"06415"|"Colchester"|"CT"|"https://insurance.freeadvice.com/insurance-questions/passenger-in-vehicle-was--1319.htm" "2012-07-10 21:47:29"|"auto-insurance-qa"|"Bicycle/vehicle accident liabilty"|"If the cause of the accident was the bicycle and they struck the car, then the responsibility is with the bicycle. This type of coverage would come under the homeowner insurance for the bicycle owner (or their father). You should contact your homeowner insurance company and file a claim. This would fall under the liability portion of the homeowner policy. Explain what happened and let the insurance company deal with the driver or owner of the car. They will determine if there is negligence and if so they will pay for the repairs to the car.The injuries to your child would have to be covered by your health insurance since the driver of the car was not negligent. Your homeonwer insurance does not cover injuries to household members.Once you have reported the incident to your insurance company, have the driver of the car talk to your insurance company. After reporting the whole thing should be handled by the insurance company and you do not need to get involved any further."|"If a 13 year old is on a bicycle and the brakes fail, causing the child to hit an oncoming vehicle, where does the liability lie? The vehicle was not speeding, but the front left of the fender was damaged and the child was injured and taken to the emergency room in an ambulance. The driver is demanding payment of his $1,000 deductible and refusing to have his insurance contact us. He claims that the claim has to be paid by us BEFORE being submitted to his insurance."|"2012-07-11 17:34:02"|"15108"|"Coraopolis"|"PA"|"https://insurance.freeadvice.com/insurance-questions/bicycle-vehicle-accident--1316.htm" "2012-07-10 16:15:20"|"auto-insurance-qa"|"can the finacial credit union take an insurance policy over my vehicule with no concent?"|"If you have a loan on your car, as a part of the loan agreement you are required to have insurance on the car for physical damage and evidence of the insurance is to be sent to your lender. In addition, they are to be named on the policy as a loss payee so that any claim for damage to the car will be subject to their approval of repairs.If you did not have insurance on the car then the lender does have the right to place "forced" insurance on the car. This protects only the lender and does not provide for any liability coverage. It only protects the car if it is damaged due to an accident or other covered loss. In addition, the cost of the forced insurance is passed along to you since youare in violation of the terms of the loan.If you have insurance at the time the lender placed hte insurance, thenyou need to provide proof of the insurance to them to get them to remove the charges. You should have a record of the insurance company that carried the insurance. You can contact them for a copy of the old policy. You can then send a copy to the lender. If you don't remember who the insurance was with, then you will have to pay the lender for the insurance they put in force on the car.I'm sure the lnder wrote and/or call you about the insurance before they placed their own insurance. You should have responded to them immediately when you were notified of the forced insurance."|"I'm paying my car and the credit union took an insurance back on 2007 because they say did not receive proff of insurance. Unfortunatelly I cannot proof I had insurance back on 2007 as I changed bank account an have no records of payments. It is legal for this credit union to take a policy in my name with no concent? also the price is 4,114.00 when a normal full coverage policy cost around 1,400.00 is this legal? what can I do?"|"2012-07-11 17:40:13"|"60073"|"Hainesville"|"IL"|"https://insurance.freeadvice.com/insurance-questions/can-the-finacial-credit-u-1315.htm" "2012-07-06 23:37:52"|"auto-insurance-qa"|"Was involved in an auto accident NOT at fault however my insurance was "lapsed" am i entitled to pain and suffering?"|"If you were involved in an auto accident and the other party left the scene, the only way you could collect for damages and injuries would be if you have insurance in force at the time of the accident. You say the insurance had lapsed, so it appears you did not have insurance at the time of the accident.If you were in late pay status, and not cancelled for non-payment of the premium, you may still have insurance in force. If that was the case, hopefully you have paid the premium that was due. If so, you can file a claim through your insurance company. If you have medical payments coverage, you can use that for part of the injuries. Also, the uninsured/underinsured motorist coverage can be used for the injuries sustained in the accident.If the police are able to find the other party, through a license plate number, then you could file a claim against their insurance. Otherwise, there is no way to determine the identity of the other party."|"Had daughter in carPerson at fault left sceneIncident report was made to police"|"2012-07-07 09:31:13"|"92127"|"San Diego"|"CA"|"https://insurance.freeadvice.com/insurance-questions/was-involved-in-an-auto-a-1305.htm" "2012-07-06 12:52:01"|"auto-insurance-qa"|"Does Illinois require PIP coverage?"|"Medical payment coverage, or PIP coverage as it is called in some states, is an optional insurance coverage under the auto insurance policy. There is no requirement that it be carried. If you are in an accident and a passenger is injured in the accident, you may be responsible for the injuries. If you caused the accident, then your passenger can file a claim against you. This would be settled under the bodily injury coverage of your policy, up to the policy limits. If you were not at fault, then the insurance for the other driver would be responsible for any injuries to you and your passenger. This would again fall under the bodily injury coverage for the other driver.Medical payments coverage can be used in addition to the bodily injury coverage under an auto policy. There is no requirement of fault for that coverage to apply. It will pay on a per person basis, and it includes you for injuries."|"If I drop my Medical Payments ($5000 each person) coverage am I liable for a passenger who gets injured while in my car? "|"2012-07-07 09:36:11"|"60016"|"Des Plaines"|"IL"|"https://insurance.freeadvice.com/insurance-questions/does-illinois-require-pip-1301.htm" "2012-07-05 18:30:13"|"auto-insurance-qa"|"I neglected to cancel my old car insurance and they are billing me for the grace period. Can they do this, even though I was insured elsewhere."|"Many insurance companies automatically renew your auto insurance policy. As the policyholder, you are expected to notify the company if you are not renewing the policy. However, many companies will automatically cancel the policy if the premium is not paid in a certain time frame and there is no charge to you.It appears your insurance company requires notification that you are not renewing the insurance. Since you replaced your insurance you should be able to send the old insurance company a copy of your replacement insurance policy. This will serve as proof of other insurance, and your company should be willing to go back to the renewal date and cancel their policy, since there would be duplicate insurance.Call the old company and advise them you replaced the insurance and that you have a copy of the new policy that you can send them. If they refuse to cancel the insurance, ask to speak to a supervisor since there was duplicate insurance."|"I thought that not paying the premium would be the same as cancelling. I guess not. But it doesn't seem like they can claim that I was insured by them for this period of time if I was also insured by another company at the same time. If I had an accident during this time period, you can bet they both would not have paid. So how can they claim they were insuring me?"|"2012-07-06 11:29:12"|"49221"|"Adrian"|"MI"|"https://insurance.freeadvice.com/insurance-questions/i-neglected-to-cancel-my--1298.htm" "2012-07-05 14:42:10"|"auto-insurance-qa"|"Insured, but unlicensed driver hit my daughter's car; will the other driver's insurance pay?"|"If the driver of the car that struck you does not have a license, but does have valid insurance in force, then the insurance company for the other driver should respond to the accident. Reparis to the car as well as payment for any injuries should be covered by the policy. If your car is a total loss then the other insurance company will pay the actual cash value of the car. If you don't have medical payments coverage under your policy, then your only recourse is to go after the other insurance company. They will not pay until the entire claim is settled, so all bills must be presented. The bodily injury coverage for the other driver would apply and would only pay to the limits of the policy.If the other insurance company is hesitant, or reluctant to work with you for the claim, you should file a claim with your own insurance company, provided you have physical damage coverage on your car. Your deductible will apply, but your insurance company will then subrogate for the damages and if successful you will get your deductible reimbursed. "|"My 25 yr old daughter was hit by a driver with insurance, but without a valid license. Four witnesses attested that my daughter had the green light, and the other driver ran the red and hit her at 45 MPH. Both cars totaled, both drivers injured (not gravely). Police say other driver has insurance, but not a valid license. How does the lack of a valid license affect my daughter's ability to collect for medical, replace her car, and compensate for pain and suffering? Should we hire a PI attorney to help us navigate? My daughter needs further medical tests, PT, etc."|"2012-07-07 09:41:48"|"92562"|"Murrieta"|"CA"|"https://insurance.freeadvice.com/insurance-questions/insured-but-unlicensed-dr-1297.htm" "2012-07-05 11:12:31"|"auto-insurance-qa"|"Had accident I want to switch my car insurance lower rate can I get my car fixed later.?"|"Since you were insured with your current insurance company at the time of the loss, then they should finalize the claim with you and make whatever payment is determined for your insurance. You can go ahead and move your insurance to the new insurance company as long as the date is after the date of the accident. However, the new insurance company may not be willing to provide comprehensive or collision coverage on your car until the current damages are repaired. Make sure you advise the new company that your car has existing damage. They may want to inspect the car and take photos.if you only have liability insurance on the car, and no physical damage, you still need to advise the new company of the existing damage to your car. Again,t hey may want to inspect it, since they want to be sure it is safe to drive. If there are any safety issues that are unrepaired, you may have to fix them before they will write your insurance. Also, make sure the quote youhave from the new insurance company includes the fact of your recent accident. If the accident was not your fault, it will not affect your rates, however, if it was your fault, your rates will be affected."|"I had a car accident and need 1500 to fix my car. I don't have the money right now but my current car insurance charges me 350.00 a month. I just received a quote for 140.00 from another company. If I switch can I still get my car fixed under my old insurance how does this work."|"2012-07-06 11:34:28"|"44134"|"Cleveland"|"OH"|"https://insurance.freeadvice.com/insurance-questions/had-accident-i-want-to-sw-1295.htm" "2012-07-01 22:19:22"|"auto-insurance-qa"|"Can you insure someone else's vehicle for a short period of time?"|"Auto insurance follows the car, so the insurance on the car will apply even if the car is borrowed by someone, even a family member. If, while you are using the car, there is an accident then the settlement will be through your father's insurance policy. The only way you could put the car on your policy would be to also be on title. If you have no insurable insurance in the car, then you really can't insure it. Also, if there is duplicate insurance on the car, the owner of the car will be the responsible party for any incident that occurs.It may be a good idea to add you as a driver to the policy, to be sure the isurance company is aware of your use of the car. Talk to the insurance agent or company and explain what is occurring. This should not be a problem with the insurance company unless you have an unacceptable driving record."|"I plan to borrow my father's car for a trip with my family. He has full coverage, but I'm not on his insurance. He asked me to put his car on my insurance policy for the week I intend on using it. Is that possible?"|"2012-07-02 09:32:20"|"31558"|"Saint Marys"|"GA"|"https://insurance.freeadvice.com/insurance-questions/can-you-insure-someone-el-1287.htm" "2012-06-30 11:40:14"|"auto-insurance-qa"|"Cancelled policy co. says they need Declarations page of NEW policy to cancel expired old policy with them."|"If you are asking your present insurance company to backdate a cancellation since you found less expensive insurance they do have the right to see the replacement policy. If there is no insurance and you have a claim, they would be held responsible for the claim, so they want to be sure there is no gap in your coverage. This is a fairly standard request by insurance companies.When you provide a copy of the new policy, you can black out the premiums of the new policy. All your company is looking for are the dates of the new policy. They should have no problem with the premium being blacked out.You indicate the new policy is in a new state. This could have a great effect on the cost of your insurance. Each state has a different set of rating procedures which can have a big effect on how the rates come out. Make sure the state you are using for your insurance is the state in which you live or use the car."|"Is there any harm in sending info (specifically the Declarations page) from the company that outbid them to the company that held the higher priced original policy? And why do they need it in the first place? They claim they need it to cancel the expired policy with them, but I suspect otherwise. Original policy was with Farmers. $1.8K per year. New policy, same coverage but new state, is $0.7K per year from a newly acquired subsidiary of Farmers named 21st Century. You can see I had to switch."|"2012-07-01 14:34:58"|"75077"|"Copper Canyon"|"TX"|"https://insurance.freeadvice.com/insurance-questions/cancelled-policy-co-says--1283.htm" "2012-06-26 13:18:55"|"auto-insurance-qa"|"In the State of Texas, am I owed a comparable vehicle?...and I am the 3rd party, not first."|"If your car was damaged in an accident and the accident was not your fault, then the insurance company for the other party is responsible for the repairs to your car. If the car is considered a total loss, the other insurance company is expected to reimburse you for the actual cash value of your car. Sometimes this is not a figure that you feel is sufficient to reimburse you for your car, but that is how the insurance works. If your car was paid for and was in reasonable shape, the actual cash value should be close to the amount it will cost you to find a comparable car. However, if you feel the amount offered is not sufficient, it is your responsibility to prove the higher value you feel you should receive. You can do this through local ads for a similar car, or internet ads. However, the internet values must be based on your area, not somewhere else in the country, since values can vary in different parts of the country."|""|"2012-06-29 18:06:49"|"75038"|"Irving"|"TX"|"https://insurance.freeadvice.com/insurance-questions/in-the-state-of-texas-am--1271.htm" "2012-06-26 08:57:47"|"auto-insurance-qa"|"Minor accident car hit already had damage. Can this person file a claim against your insurance without a police report in Wisconsin?"|"If you are in an accident that was your fault, your insurance company is expected to reimburse the other party for the damages to their car. If there was previous damage to that car, then your insurance company will investigate the incident and try to determine the amount of damage caused by your car, and will only pay for that damage. Hopefully the damage caused by you was in another area of the car, which will make it easier for your insurance company to determine the extent of damage you caused. If not, it will be more difficult, but that is up to your insurance company to handle.The other party can file a claim against you whether there was a police report or not. Many police departments will not come to the scene of an accident unless there is an injury involved, so it may not be possible to have a police report. In addition, the police report is made after the fact, and does not mean the determeination of the officer making the report a complete determination of fault. Your insurance company will speak to you and the other part to try to determine fault."|""|"2012-06-29 18:11:47"|"53072"|"Brookfield"|"WI"|"https://insurance.freeadvice.com/insurance-questions/minor-accident-car-hit-al-1268.htm" "2012-06-25 18:27:04"|"auto-insurance-qa"|"Seems to be a mistake made by my car insurance agent, can I get my money back from being overcharged on my car insurance? Or did I get screwed?"|"If your auto insurance policy was misrated due to incomplete or incorrect information you should be able to get the insurance premium reduced to the correct amount. However, you will probably have to provide proof that the incident in question was not your fault. With today's computer records of claims your insurance company should be able to find the correct information, but they may need some additional information from you.Since the overcharge has not been over a long period of time, it should be easier to get your full refund for the error. While the agent should have made sure the rate was correct, you too should have discussed the premium with them and confirmed they had removed the surcharge for the accident. On many policies the driving record is indicated on the policy declarations page and you should have seen the charge showing. Talk to your agent, they should be able to correct this error rather quickly and refund your money."|"2.5 years ago I got into a car accident. It was declared the other drivers fault. I've been with my current insurance company for almost 6 months now. Recently I bought a new car so I called my agent to give him the new Vin. In our conversation he said "as long as you don't cause anymore accidents then in Dec. you're insurance will go down." I corrected him and told him it wasn't my fault. He told me if I can prove that to him he can lower my insurance immediately. When I orig. filled out my quote, I put that it wasn't my fault. So he overcharged me the past 5.5 months. Can I get that $ back?"|"2012-06-29 18:16:55"|"76227"|"Aubrey"|"TX"|"https://insurance.freeadvice.com/insurance-questions/seems-to-be-a-mistake-mad-1264.htm" "2012-06-22 16:55:40"|"auto-insurance-qa"|"An insured car is loaned to an individual who doesn't own a car and thus does not have insurance, what happens if that individual has an accident? "|"In auto insurance when there is an accident, the insurance follows the car. This is the case even if the car is parked or driven by someone who does not own a car.If the driver who caused the accident is known, then their insurance will pay for the damages to your car. However, if it was a hit and run incident, then the owner of the car will have to file a claim under their collision insurance and any damage will be paid, less the collision deductible.Since the car was parked, there will be no effect on your auto insurance rates. The accident was not your fault, or the fault of the driver. You may need to file a police report for the incident. Call your insurance agent or company and file the claim. Then ask what they want you to do regarding a police report. The adjuster should be able to walk you through what needs to be done."|"The car was parked and was side swiped by another vehicle while the individual who borrowed the car was away from the vehicle. The individual does not own a vehicle and does not have auto insurance. What is the correct course of action? "|"2012-06-23 09:38:32"|"80840"|"USAF Academy"|"CO"|"https://insurance.freeadvice.com/insurance-questions/an-insured-car-is-loaned--1256.htm" "2012-06-22 15:00:44"|"auto-insurance-qa"|"do you think that $60,000 demand is outrageous for medical bills that are 13,000 total for 2 adults and five children involved in accident "|"If you are involved in an auto accident that is caused by another driver and there are injuries, then the other insurance company will reimburse you for your injuries and the injuries to family members. Usually the other insurance company will wait for all medical bills to come in before they will offer a settlement to you.You can ask for any amount that you feel you deserve. This does not mean that the other insurance company will pay this amount. They will first determine the entire amount due for the medical bills. They will then offer an additional sum for pain and suffering and other requests from you. You can negotiate with the company and see what they will offer. However, to expect a large sum just because you want it is not very likely to occur. Of course, you can always hire an attorney, but they will then take a portion of any settlement that is negotiated, and you may not end up with as much money as you want."|"my family including myself my huband and our five children where involved in a accident where the other party was found at fault by insurance carrier and im demanding 60,000 for medical pain and suffering and loss wages is this far fetch or is it ok"|"2012-06-23 09:43:52"|"30083"|"Memorial Square"|"GA"|"https://insurance.freeadvice.com/insurance-questions/do-you-think-that-60-000--1255.htm" "2012-06-22 14:12:25"|"auto-insurance-qa"|"How do the mishaps of a driver on your insurance affect you?"|"If you have a child of driving age and they live in your household, you should add them to your insurance policy. The insurance company expects that all drivers in the household be declared and the premium for that driver applied.If your child gets a ticket, or is in an accident, the rates on your policy will increase. If there are multiple cars, the charge will be added to the car that the child is assigned to by the insurance company. If the driving record of your child gets bad, or they move out of the house, you can remove them. If they are still in the household, you will probably need to exclude them from your policy, or their record will affect your insurance rates. If they move out of the house, then you can simply tell the company they are no longer in the household, and to remove them from your policy."|"Hi, I want to put my child on my insurance policy. But I am worried that my clean driving record will get messed up if he, say, gets a speeding ticket. Does his mishaps stay on my record even after I kick him off? How am I affected by his mishaps, if god forbid, he has any? This question seems like it would have been asked already, but I haven't been able to find it on the site. Forgive me if it has been asked before! Thanks!"|"2012-06-23 09:48:13"|"10475"|"Bronx"|"NY"|"https://insurance.freeadvice.com/insurance-questions/how-do-the-mishaps-of-a-d-1254.htm" "2012-06-21 13:02:46"|"auto-insurance-qa"|"How should I proceed if the insurance company is not offering enough money for my totalled car just because they cant find parts?"|"If your car is damaged in a hit and run accident and the other party does not have insurance, then your collision coverage should pay for the damages to the car. If the car is considered a total loss, then the insurance company must pay you for the actual cash value of the car, which is determined by several factors including blue book and local prices for the same or similar car. If you do not agree with the value offered then you have to prove your valuation of the car. Unfotunately, just because you owe more on the car than you are being offered, that is not a consideration of the insurance company. Of course, your collision deductible will also apply.You can go to court to sue the other driver, even though he does not have insurance. However, if he has no money, it will be hard to get anything from him, even if you win in court. "|"I was involved in a hit in run auto accident and the car that hit me did not have insurance. We made a police report and a witness called in the accident with the plates from the person who hit us. The body shop totalled my car out for 5000 since they could not find parts to fix my car. I still owe on my car and cannot get another vehicle even close to what I was driving before. (2007 Saab fully loaded) Can I sue the person that hit me even though he does not have insurance? What can I do about my insurance not giving me enough money? I'm still waiting to hear back from mny insurance on how th"|"2012-06-22 09:52:23"|"77089"|"Houston"|"TX"|"https://insurance.freeadvice.com/insurance-questions/how-should-i-proceed-if-t-1250.htm" "2012-06-18 19:26:17"|"auto-insurance-qa"|"Do I have to carry an adult child(over 23) on my auto policy if that adult owns their own vehicle and has their own auto ins policy?"|"In the auto insurance coverage, most insurance companies do want to know about all drivers in the household. In your case, since your son has his own car and insurance, he should not be a factor in the rating of your policy. However, you should talk to your agent to see what is required by your insurance company.You may need to provide a copy of your son's insurance policy to your company to serve as proof of other insurance. Since he is being rated on his own policy, he should not affect your rates.There are some insurance companies who will charge for all drivers in the household unless they are excluded from your policy. They feel that the drivers could use any car in the household, and they are entitled to the premium for all drivers based on their ages, driving record, and the like. If your insurance company insists on charging for your son, you should see if you can find another insurance company which will not rate your policy in that manner."|"24 year old son, owns his car, has his own ins policy, do I have to name him on my policy because he lives in my home?"|"2012-06-19 09:24:24"|"11787"|"Smithtown"|"NY"|"https://insurance.freeadvice.com/insurance-questions/do-i-have-to-carry-an-adu-1239.htm" "2012-06-18 12:22:47"|"auto-insurance-qa"|"If driver has suspended license, and another insured driver causes an accident, does the driver with the suspended license have any rights?"|"When there is an auto accident that is not your fault, then the insurance company for the responsible driver should pay for the damages to your car. If you were driving on a suspended license, but this did not have any effect on the accident, then that isue should not be an issue to the responsible insurance company.Your son will most likely receive a ticket for driving on a suspended license, and face the consequences for that action, but it does not really have an effect on the issues of the accident. Since the other driver obiviously caused the accident, then their insurance should pay for the repairs. Also, since the other driver left the scene of the accident, they could face citations from the police for leaving the scene of an accident.If your son has valid insurance, he should report the accident to his insurance company. If he has collision coverage he may want to try to collect under his policy and have his insurance company subrogate against the other carrier if they are not cooperating with your son."|"Ted claims to have effective sr-22 insurance on his vehicle, however, his license is suspended. Some guy with valid license and insurance, swerved across 4 lanes and bashed the front end of his truck. I'm sure Ted's truck is totalled. A policeman showed up after the guy with a license took off... and he wrote down Ted's name, report, and the other guy's info. My question; Is there ANY way that Ted can make a claim with the guys insurance company, and NOT get royally screwed for driving with a suspended license? Please help me!!! "|"2012-06-19 09:29:50"|"78745"|"Austin"|"TX"|"https://insurance.freeadvice.com/insurance-questions/if-driver-has-suspended-l-1237.htm" "2012-06-16 12:26:33"|"auto-insurance-qa"|"What are my rights with a run off road & run? (Other car didn't actually hit)"|"If you ran off the road in an attempt to avoid another vehicle, and the other vehicle left the scene, then you would have to file a claim under collision coverage of your policy. Any deductible you have for collision will also apply.Your insurance company will investigate the incident and may determine that this was not a chargeable accident since you were trying to avoid a collision. If they can find proof of the other vehicle then they will not increase your premiums for the accident.The ensuing fire damage that was caused by the catalytic converter should be considered as the same loss. However, if the insurance company determines that they feel it was a separate incident, then they could apply the comprehesive deductible to the fire damage, although it seems it would be difficult to determine which coverage applies to which damage, other than the obvious damage to the car from the collision."|"While driving on a small mountain road around 3:00 in the afternoon, heading home from work... A truck took a tight turn, crossed over the double yellow line & was about to go through the drivers seat of my car. My husband, (driving) instinctually swerved, going off the road. The truck kept going, never stopped. My husband realized he left his cell phone at work. After 3 hrs of hitchhiking and walking, he gets home. We call tow truck & find car is gone. Turned out the catalac converter caught on fire & the car is totalled! Roof collapsed in. What are our right? "|"2012-06-17 16:17:59"|"95006"|"Big Basin"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-are-my-rights-with-a-1234.htm" "2012-06-15 08:26:40"|"auto-insurance-qa"|"Our claim adjustor is refusing to negotiate our claim amount unless we can provide additional medical bills and documentation"|"When you suffer injuries in an auto accident that is not your fault, the insurance company for the other party will pay for your medical expenses as a part of the settlement. However, the insurance company will wait for all bills to be submitted before offering a settlement. In your case, you seem to be asking for medical payments but have not yet provided all of the bills in question. If you provide the additional bills being requested, the insurance company will probably increase their offer to include the additional costs you and your husband incurred plus the non-injury offer.If you paid for the medical bills in question, it seems it would be simple to provide a copy to the insurance company. This part of the settlement is reimbursement and the adjuster does need proof of the expenses you say were incurred. This does not seem to be an unreasonable request from the adjuster, and I'm not sure why you are unwilling to provide this information."|"I was in an accident on my wedding night-the other party was at fault. My husband received treatment for minor injuries that night. I discovered later I had significant bruising but I didn't see a doctor. His medical bills totaled $1389. The adjustor offered my husband $800 & me $300 for general damages. I explained the loss of consortium we experienced & the adjustor upped the amount to $1000 and $500. In trying to negotiate further, the adjustor claims she cannot increase the amount without additional medical bills. Does this sound fair? Is there a way to argue for more or should we settle?"|"2012-06-16 09:24:11"|"53208"|"Milwaukee"|"WI"|"https://insurance.freeadvice.com/insurance-questions/our-claim-adjustor-is-ref-1232.htm" "2012-06-14 13:56:43"|"auto-insurance-qa"|"If I hit a car and the person leaves before the police show up am I still at fault?"|"If you were in an auto accident and the accident was your fault, your insurance is responsible for the repairs to the other party's car. Your description leads me to believe that the person who you feel caused you to strike the other car is the one who left the scene, not the person you rear-ended. While you may feel the other person caused the accident, if there is no way to find out who that person was, then you are on the hook for the damages. You indicate you exchanged information, but it is not clear if you and that party collided. If not, then you would be responsible for the accident since that other person was not actually involved in the accident. If there was contact between you and the party who left, they could be charged with leaving the scene of the accident and if you have his information you should give it to the police to handle."|"I was merging into traffic and the car behind me sped up and cut me off forciing me into the car in front of me. The person told me he called the police and we exchanged information. He then left the scene before the state police arrived who then informed me that the police were never informed of the accident."|"2012-06-15 16:44:17"|"22134"|"MCB Quantico"|"VA"|"https://insurance.freeadvice.com/insurance-questions/if-i-hit-a-car-and-the-pe-1231.htm" "2012-06-13 11:51:50"|"auto-insurance-qa"|"Can my insurance be used?"|"In an auto accident, insurance follows the car no matter who is driving the car, presuming there was permission to drive it In this case, your friend's insurance will be responsible for the accident. Since she did not have collision insurance, and there were no other parties involved, she will not have insurance coverage. Your policy is expected to pay for damages you cause in your car to others for their injuries or property damage. Your insurance company will not be willing to pay for the damages you caused to your friend's car. You could repay your friend for the damages to her car, but it will be out of your pocket since your insurance company will not accept liability for the damages to your friend's car, since collision coverage is intended for the car insured on your policy."|"I drove a friends car and wrecked it. It only has liability coverage. I have a collision as well as liability. Can my insurance be used to fix her car? This happened in my driveway. Nothing else and nobody else was hurt."|"2012-06-15 16:56:18"|"64068"|"Liberty"|"MO"|"https://insurance.freeadvice.com/insurance-questions/can-my-insurance-be-used-1229.htm" "2012-06-12 18:47:48"|"auto-insurance-qa"|"STOLEN TRUCK STILL PAID INSURANCE AND TRUCK NOTE"|"If you had your car stolen and the insurance company agreed to pay for a rental car, they should have been clear as to how much they would pay for the rental car. However, your policy probably indicates what the insurance company will pay for a rental car.Usually, once the insurance company has paid you for the actual cash value of your car, they will not continue to pay for a rental venicle. Again this should have been made clear. As to gas, you would be paying for gas whether you had your own car or a rental, so there would be no payment for gas on the rental car.If you have gap coverage that will pay the difference between the amount the insurance company paid for the truck and what was owed on the loan. You would also want to keep your insurance in force since you were driving the rental truck and, once you got a new truck, it would be covered by your existing insurance.You don't say why you had a rental vehicle for 2 months. You should have gotten a replacement vehicle before that time and you shouldn't have expected the insurance company to pay for a rental for so long."|"MY NAME IS CALVIN HASLEM I LIVE IN MIAMI FL,MY TRUCK WAS STOLEN IN APRIL THIS YEAR THE INSURANCE COMPANY IS REPONSIVE INSURANCE.THEY TOLD ME THEY PAY UP TO $20 PER DAY ON RENTALS.?? I HAD A RENTAL CAR FOR 2 MONTHS AND THEN THEY SAID WE ONLY OWE YOU $300.00 AND I ALSO PAID 2 TRUCK NOTE PLUS 2 INSURANCE IS THIS RIGHT>?? THEY KNEW I STILL WAS RENTING AND THEY NEVER TOLD ME IT WAS ONLY UP TO $300.00 LIMIT PLUS THEY DIDNT PAY FOR GAS DID I HAVE TO PAY FOR INSURANCE ON A TRUCK I DIDNT HAVE>? AND 2 TRUCK NOTES WHILE I HAVE GAP>? SOMETHING ISNT RIGHT"|"2012-06-15 16:50:33"|"33147"|"Miami"|"FL"|"https://insurance.freeadvice.com/insurance-questions/stolen-truck-still-paid-i-1226.htm" "2012-06-12 16:59:09"|"auto-insurance-qa"|"is there a company that will let you get proof of ins today and pay friday? "|"When you are trying to obtain auto insurance from a new insurance company most companies will want a down payment in order to start the insruance policy. If you do not have any money available for a down payment, you will probably have a problem getting a new policy started until you are able to provide the payment.Many insurance companies have a payment plan offer where you would only need to provide one month or two months as the down payment, rather than the full premium for the policy term. If you have an agent you are working with who is local, you should meet with them to see if they can arrange something for you. They may be able to take a check and not deposit it for a day or two, yet start the insurance policy. I doubt if they can hold the check for more than 2 days, but meet with them to see if anything can be arranged."|"I need insurance coverage today. But I dont get paid till friday. "|"2012-06-16 09:28:49"|"77571"|"La Porte"|"TX"|"https://insurance.freeadvice.com/insurance-questions/is-there-a-company-that-w-1225.htm" "2012-06-12 10:32:07"|"auto-insurance-qa"|"Have auto liability claims against 2 different ins. co's. 1 has offered to pay max policy limit, other is unresponsive. Should I accept from 1st co.?"|"When there is an automobile accident, the insurance follows the car so the owner of the car is the primary insurance for injuries and damages in the loss. Since this was such a major accident it is possible that the driver's insurance company would be expected to be involved in the settlement of the claim.Your decision to accept settlement from the first insurance company should have no relationship to the other insurance company. The policy limits are being offered, so there is no more that would be paid out by that insurance company.You should contact your father's insurance company to see if the policy has uninsured/underinsured coverage. If so, you could submit for repayment from that coverage since the loss exceeds the amount of coverage you were able to collect from the first insurance company.You should ask to speak to a supervisor at the second insurance company to see if they will work with you on your claim. Maybe they can help you get settlment from that insurance company."|"My father was in a terrible accident in March and died after several days in intensive care. The other party was at fault(crossed center line/head-on) The car driver has a policy w/ TN Farm Bureau, the car owner(her mother) has a policy with State Farm(as did my father). The owners State Farm claims agent has been quite helpful and has offered the max amount on the owners policy($100k). The drivers claims agent has not responded to my voice mails, nor has made any settlement offer. I assume they may be waiting for all bills(may all have been submitted by now). I was told this policy is likely $250k. Total bills I am aware of are in the $750k range, however most have gone through/are going Medicare and right now there is approx $125k to be repaid to Medicare and AARP/UHC supplemental, and I believe the life flight service may refrain from submitting through Medicare($20k). I have a couple of questions: 1) Is there any reason not to accept the State Farm offer of $100k since this is the policy limit? We would like to start clearing some of the bills/repay Medicare 2) How long should I wait for Farm Bureau to reply/contact me? Our intent is not to make money off of this event. We want to make sure the medical bills are covered, and then go on with our lives. I assume if we need to retain an attorney, we will need to get some reimbursement from the lady who ran into my father"|"2012-06-12 17:56:22"|"30005"|"Alpharetta"|"GA"|"https://insurance.freeadvice.com/insurance-questions/have-auto-liability-claim-1223.htm" "2012-06-11 16:33:54"|"auto-insurance-qa"|"Setteling a claim - How much should I get?"|"I can't offer what settlement you should get. This is for insurance coverage questions."|"Hello, my husband and I got into a car accident 3 weeks ago. A car pulling out of the driver crashed into us (we were on the road); it is the passenger side, where I was sitting.I had a bruised up knee, and a strained back with pain in my back, neck and shoulder (for a week and a half). The adjuster said that they will cover the medical expenses, and offered me to settle the claim for $200. which I think i much less than we should get. I understand that every claim is different, but can you please give me a range of how much should we get?Thank you for your time.Sasha"|"2012-06-15 16:51:24"|"27924"|"Colerain"|"NC"|"https://insurance.freeadvice.com/insurance-questions/setteling-a-claim-how-muc-1222.htm" "2012-06-11 15:10:41"|"auto-insurance-qa"|"In Jan 2011, I scraped someone's bumper (parked car, no bodily injury). I admitted fault and after all was handled by Allstate total cost: $768 and I"|"Your insurance coverage is based on your driving record at the time the policy is issued. The rates are updated at the next renewal, but, in your case, the premium was probably not yet reflecting your auto claim. In addition, some insurance companies give a discount for continuous insurance coverage with the company. Once the policy lapses for non-payment, then you could be charged for the accident and you may have lost your renewal discount. Not every insurance company works that way.You should shop your insurance with other insurance companies to see if a better rate is available. If you still have the first car insured, even for just liability, you would be eligible for a multi car discount. If you are only insuring one car, then that discount, which can be as much as 20%, would be lost. You can also get discounts if you insure your home, or contents with the same insurance company. Check into the possibility of combining your policies to one insurance company."|"had a $500 deductible. This claim was filed for my hyundai tiburon, the only vehicle I owned at the time. However, I bought a truck a couple months later, March, and put the hyundai in storage as a non-op with liability only. A few months ago, I was going through some of life's challenges and my disorganization caused me to be late on payments for 2 months. They cancelled my policy, I paid all the fines and original cost and renewed. My premium doubled from 800 +/- to 1600+/- per 6 months. Is this legal? $768 = $4800 over 3 yr? Customer relations "highest level" said, they can't change unless"|"2012-06-12 17:50:37"|"91977"|"Spring Valley"|"CA"|"https://insurance.freeadvice.com/insurance-questions/in-jan-2011-i-scraped-som-1221.htm" "2012-06-11 07:08:23"|"auto-insurance-qa"|"In the state of Arkansas do you get a break on you car insurance if you have never had a DUI?"|"Each state and each insurance company in that state have rates filed through the Dept of Insurance outlining how they charge for tickets and accidents. Usually, the lack of a DUI conviction would be considered a positive in the area of rates, but there is not usually a specific credit given for not having a DUI. That should not be considered as a "break" on your rates, since DUIs should be the exception and not the rule in insurance rates.Drivers with no tickets or accidents are considered the best drivers and their rates usually reflect this. The longer you have a clean record the better your rates may be, especially if you have been insured with the same insurance company for a long period of time. Renewal discounts are a way insurance companies keep clients. There are additional discounts for having multiple policies with an insurance company along with other possible discounts. Check with your agent."|"I have heard that you get a break you your car insurance if you have never had a DUI. Is this true."|"2012-06-12 18:01:33"|"71842"|"Horatio"|"AR"|"https://insurance.freeadvice.com/insurance-questions/in-the-state-of-arkansas--1220.htm" "2012-06-09 20:11:08"|"auto-insurance-qa"|"When an insurance company pays the estimated value of a totaled car, should the owner maintain possession of the car?"|"If a car is considered a total loss due to an accident, and the insurance company pays you for the current actual cash value of the car, then the insurance company is entitled to take the car. Some insurance companies will allow you to buy the car back for its salvage value. The company will not keep the car, but sell it to a company which buys cars for salvage. You could also purchase the car from the company. Before doing this, make sure you will be able to insure the car again, since it was a total loss. There are some insurance companies that will not insure salvaged cars. If they do, be aware the value of the car is reduced, so if you are in another accident, you will not get the full actual cash value of the car, but rather a reduced amount. It is also possible the insurance company will not provide physical damage coverage on a salvaged car. Talk to your agent."|"My mothers insurance company says they keep the car after paying the estimated value. This was not the case when I totaled a car a few years ago. I think they are trying to cheat my 89 year old mother. She paid cash for the car new and their has never been a loan on the car."|"2012-06-12 18:06:27"|"33801"|"Lakeland"|"FL"|"https://insurance.freeadvice.com/insurance-questions/when-an-insurance-company-1218.htm" "2012-06-09 09:04:34"|"auto-insurance-qa"|"What insurance company allows me to purchase a policy and pay online."|"There are many online insurance companies that will allow you to pay online for the premium to get insurance started. However, some states require an inspection of the car before it can be insured, and if your car is in an impound yard, it will be impossible to get the inspection done. It is possible you could get liability insurance on the car and once you get it out of the storage you could then get the car inspected and add physical damage insurance on it.There should also be insurance companies that you could contact through an insurance agent that could insure the car, again for liability coverage only to start. If you are hoping to get the insurance and then pay for the insurance at a later date, that will be more difficult to arrange, especially if the car is not insured currently and that you don't have possesion of the car."|"My car was recently towed by the Marshall for unpaid parking tickets. I paid the fine but was unable to retrieve my car from the impound lot due to lack of insurance, which had just lapsed for 3 days. I have had no luck in trying to aquire insurance so that I can get my car out of the impound lot. Any suggestions?"|"2012-06-12 18:11:25"|"11357"|"Beechhurst"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-insurance-company-al-1217.htm" "2012-06-07 15:05:06"|"auto-insurance-qa"|"Who is responsible for an accident?"|"An auto policy should be written in the name of the titled owner. In this case, since the car is now in your daughter's name, you should purchase a policy in her name for that car. You could have your name on the title along with her and then you could keep the car insured on your policy since you are also on the title. However, this does mean that if she has an accident, then your liability is exposed for the damages and injuries caused.If your daughter does not live at home, this is the time to have her get her own insurance. Your insurance company might let her keep any discounts for having had insurance with them for the years you were with them. This "loyalty discount" is often allowed for adult children when they go out on their own. However, any discounts for multiple cars would be lost unless she has a second claim."|"I recently put a car into my daughters name but she is still on my insurance policy. If she gets into an accident who is responsible , myself or is she?"|"2012-06-15 17:06:17"|"70344"|"Chauvin"|"LA"|"https://insurance.freeadvice.com/insurance-questions/who-is-responsible-for-an-1211.htm" "2012-06-05 17:25:19"|"auto-insurance-qa"|"What is the status of my Auto Insurance if I settle with a third party's insurance on a "totaled" car and get to keep it?"|"If your car was damaged in an accident that was not your fault and the other insurance company considered it a total but allowed you to keep the car, then you may have to work something out with your insurance company.If you repair your car, then your insurance company will likely be willing to continue collision coverage. However, the value of the car is reduced since it was a total loss. If there is another accident, then you should not expect to get the average actual cash value of the car.If you do not repair the car, and your insurance company is aware of the car being totaled, they will most likely remove physical damage coverage from the car until it is repaired. If the insurance company does not know it was a total, and you are in another accident, they will probably be able to determine there is pre-existing damage and would refuse the claim."|"My car was damaged by a large national vendor in doing work on it. The damage appears to be cosmetic to the body (i.e. no structural damage) and is quite drivable without issue. Third party is self insured, but is using a contracted insurance adjuster. Per their request, I provided estimate for repairs from a local body shop. They claim the vehicle is a "total loss", and offered an amount to settle, and I get to keep the car.Assuming we settle, and I don't repair it, should I be concerned that my Insurance will continue to cover that car, in case of future accident?"|"2012-06-16 09:33:45"|"75022"|"Flower Mound"|"TX"|"https://insurance.freeadvice.com/insurance-questions/what-is-the-status-of-my--1207.htm" "2012-06-04 23:23:13"|"auto-insurance-qa"|"Our pickup was appraised at 15,000.00, the legal appraisal provided to ins comapny when pu was covered. They offered 2000.00 on a totaled. No accepta "|"If your truck was appraised at a certain value and the insurance company accepted the appraisal as the actual cash value of the car, then they should consider that appraised value when the vehicle was totaled in an accident.There are some areas that could complicate this. If the appraisl was done long before the accident, then the value of the truck would be reduced by age and mileage. You don't indicate the date of the appraisal versus the accident date.Some insurance companies will provide a policy for a stated amount, but they sometimes include a clause that says - stated amount OR actual cash value at the time of the accident. Check your policy to see if that clause is there. If so, then you may have to prove the vehicle's value was higher than the offer being made by your insurance company. If you have an agent, ask them for assistance in detrmining how the policy is set up."|""|"2012-06-16 09:38:49"|"73160"|"Moore"|"OK"|"https://insurance.freeadvice.com/insurance-questions/our-pickup-was-appraised--1204.htm" "2012-06-04 20:03:03"|"auto-insurance-qa"|"Ford F250 truck hit a tree head-on at 70mph; Yamaha VStar 650 strapped in bed of truck. Is the motorcycle considered cargo?"|"If you had a motorcycle in the back of a pickup truck, and the truck was being used for personal use, and not being transported for a fee or on a commemrcial basis, then the insurance on the motorcycle would apply, presuming you own both the pick-up truck and the motorcycle. The damage to the motorcycle would be covered under the collision coverage and subject to the deductible for collision coverage on the motorcycle.If you do not own the motorcycle and you were transporting it for no fee for a friend or family member, it is possible that your insurance would pay for the damages under your insurance policy using the property damage coverage. This would be based on negligence on your part for the accident and thus the damage to the motorcycle.Report the claim to your insurance company and they will determine how the policy will determine the cause of damage to the bike and will adjust the claim accordingly."|""|"2012-06-07 10:01:16"|"28150"|"Kingstown"|"NC"|"https://insurance.freeadvice.com/insurance-questions/ford-f250-truck-hit-a-tre-1203.htm" "2012-06-04 17:24:11"|"auto-insurance-qa"|"If my car is totaled in a second accident, which is not covered, after receiving $10,650 damage from a covered accident, shouldn't I still receive $$."|"If your car had been involved in an accident and the repairs were not made before the second accident, the insurance company will most likely have to determine the amount of damage from the second accident. They will not allow for previous damage to the car so must determine how much damage was done from the first accident.If, as you say, it was a total loss from the first accident, it is unlikely that your insurance company will pay for any damages due to the second accident. It is also unlikely that the other insurance company will make any payment for the damages to your car from the accident.The damage from the first accident should be reconsidered since the driver of the car was a temporary resident. You may have to prove the time the friend had been staying with you, but normally, even a resident of the household should be covered unless the policy includes a restriction in the policy that does not cover unlisted drivers in the household. Have your company or agent review the policy and maybe you can get a payment from the first accident."|"My Jaguar XK8 was rear ended while parked legally and was not only damaged from the rear, but the impact forced my car into the truck in front suffering major front end damage as well. The total estimate was $10,650. Before getting it fixed, a friend staying with me (not a renter) took my car and totaled it, but the accident isn't covered because my insurance said he should have been listed as a member of my household. Am I still entitled to the money from the first accident, even if it is not enough to repair the whole vehicle?"|"2012-06-07 10:07:06"|"91344"|"Granada Hills"|"CA"|"https://insurance.freeadvice.com/insurance-questions/if-my-car-is-totaled-in-a-1202.htm" "2012-06-04 16:26:48"|"auto-insurance-qa"|"If ticketed for no insurance and when in court it is amended/ reduced to a violation of section 7-601, would that cause license plates to be suspended"|"You should contact your DMV about this question."|"This is in Illinois"|"2012-06-19 09:30:32"|"62526"|"Bearsdale"|"IL"|"https://insurance.freeadvice.com/insurance-questions/if-ticketed-for-no-insura-1201.htm" "2012-06-04 02:14:36"|"auto-insurance-qa"|"Disputing a rental car insurance claim"|"I can't comment on insurance issues outside of US"|" A friend of mine relocated a car from Adelaide to Perth (Australia). I hadn't heard of this before, apparently it's where the car company pays you a small fee to drive a car from one place to another and includes petrol. When he got to Perth though, there was a scratch and a dent on the car. The problem is, my friend claims he didn't cause them, that they were already there in Adelaide but the company didnt note them. Is there any way he can dispute this to save forfeiting his bond?"|"2012-06-07 09:55:52"|"99721"|"Anaktuvuk"|"AK"|"https://insurance.freeadvice.com/insurance-questions/disputing-a-rental-car-in-1197.htm" "2012-06-03 23:49:57"|"auto-insurance-qa"|"if towing a trailer is it covered by tow vehicle "|"If you are towing a trailer with an insured vehicle, it is covered if there is an accident or incident involving the trailer. The trailer does not have to be specifically insured by your policy and you don't have to own the trailer.If you want to insure the trailer for damage due to an accident it does need to be insured. The trailer is automatically covered for liability, but not for damage. Some insurance companies will add the trailer to your auto policy, but some will write a separate policy for the trailer to cover it for collision or comprehensive damage. Talk to your agent if you are interested in insuring the trailer for damage, so you can be sure you have the correct coverage. You do not need to advise them of the trailer since it will be automatically covered while being towed. "|""|"2012-06-24 16:53:07"|"16001"|"Butler"|"PA"|"https://insurance.freeadvice.com/insurance-questions/if-towing-a-trailer-is-it-1196.htm" "2012-05-31 22:59:21"|"auto-insurance-qa"|"Can I stay with my car although it has been declared total loss and I am still paying for the car to a financial company?"|"If you were involved in a hit and run accident then your insurance company will handle the claim for the damages to your car. If they are able to find the other driver, through the license plate number, they will subrogate in an attempt to get reimbursement for the amount of money they paid out. If successful, they will reimburse you for your deductible.If the car was not worth the amount owed on the lease, and there is no gap coverage, then you may owe the leasing company for the balance due. You should contact the leasing company, as they may have a way to release you from the liability of the lease since the accident was not your fault and the car was totaled. There may be some clause that will relieve you of the amount that was not paid.Unfortunately, a totaled vehicle is often not worth what is owned on it either with a loan or lease. Even if the other insurance company gets involved, they will not be willing to pay more than the actual cash value of your leased car."|"I was in a car accident, I was not at fault, someone hit me and left the scene but I was able to get the plate number. After that my insurance got involed and declared my car as total loss, they want to pay me for what the car is worth with a slavage title since the accident happened, the problem is that i leased the car and im still paying for it,so if i accept what my insurance is telling me to then i would stay without a car and without money to pay for another one. I think thats not correct because it wasnt my fault, and i feel that who hit me should be paying for it. what can i do?"|"2012-06-03 12:18:26"|"90262"|"Lynwood"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-stay-with-my-car-al-1191.htm" "2012-05-31 18:29:10"|"auto-insurance-qa"|"my car was recently wrecked and when i called my insurance company they told me that my policy didnt cover my car getting fixed."|"If an inspection of your vehicle is a requirement to get physical damage coverage on your car, it is your responsibility to obtain the inspection. When you were notified that the insurance company didn't get the inspection papers, and you followed up with the inspection company, you should have requested a copy of the inspection report as well as followed up with the insurance company to be sure they received the inspection. You did receive a warning from the insurance company that they were cancelling the physical damage coverage on the car. You would have received a reinstatement notice if they were reinstating the coverage for physical damage on the car. Since you did not receive this you should not have assumed that the coverage was put back on the policy.You may have a case against the inspection company if they cannot prove that they sent the inspection form to the insurance company. If they cannot provide this proof you may file a claim against them for their failure to provide the report."|"when i signed the policy i signed up for full coverage so they told me to get my car inspected. I went and got it inspected but the company that inspected it never sent the papers off. So the insurance company mailed me a letter saying that my policy would be cancelled cause they never received my inspection papers. Then i went back to the inspectors and they assured me that they sent the papers off. my insurance company then downgraded my policy to p.i.p from full coverage without my knowledge. Now i have a wrecked car with no money to fix it what should i do? "|"2012-06-03 12:23:50"|"33161"|"Barry University"|"FL"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-recently-wreck-1190.htm" "2012-05-31 07:46:54"|"auto-insurance-qa"|"Can an Insurance Company Force me to continue remaining their client?"|"Many insurance policies are considered an automatic renewal. If you do not request that a policy be renewed, the policy will automatically renew and a billing sent. If you did not want to continue the insurance coverage, you should contact te company and advise them that you do not wish to continue the insurance.If you have obtained insurance elsewhere, you can provide the old insurance company with a copy of the new policy. They should be willing to cancel the policy back to the date of the new policy since duplicate insurance is not considered proper insurance.If you did not replace the insurance, the insurance company may be able to charge you for the time the policy was in force. They most likely have already issued a cancellation notice for non-payment of the premium so you would not owe the entire year's premium, only the time their policy was in force. If you received the cancellation noticee, and no intention of keeping the policy, you should have called them when you got the notice. There is an expectation that you are to notify them if you do not want to continue the insurance."|"I sent them a check I send them to cover my boat for a year. They cashed the cheque and the year expired. Now they insist I pay them again, this time with a 70% price hike. I never claimed anything from them. I want nothing to di with them. They have not been re-engaged. How can I pay for a service never rendered? Is there not a principle called quid pro quo? Or freedom of choice?"|"2012-06-03 12:29:55"|"32170"|"New Smyrna"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-an-insurance-company--1189.htm" "2012-05-29 10:07:25"|"auto-insurance-qa"|"Should we go to the police department and file a report?"|"for legal advice, please go to the attorney questions page."|"My husband and I are legal guardians to a fifteen year old girl. She visits her biological mom on occasions and we learned 3 weeks ago the mom has been allowing this kid to drive her car; no permit, no license, no insurance. My question: Are we or would my husband and I be liable for any damages caused by them? I've spoken to the mom and the fifteen year old and both have promised to stop but we need some legal advice. Thanks so much."|"2012-06-03 12:30:47"|"90047"|"Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/should-we-go-to-the-polic-1183.htm" "2012-05-27 23:58:54"|"auto-insurance-qa"|"my insurance company is saying i had a lapse in coverage and refuses to pay a claim hoever i have proof in writting."|"If there is a question of a lapse or gap in your insurance policy, the letter that you received from the insurance company that indicates you had insurance at the time of the accident does seem to be credible evidence of insurance.However, if there is other evidence from the insurance company that indicates that they sent a notice of cancellation for non-payment of the premium, the letter will indicate the date the insurance was set to cancel. If that date is before the accident, and you did not pay the premium on time, then the insurance company could deny coverage, even though they sent the letter saying there was coverage on the car.If you have proof that you paid the premium on time and so the insurance policy would have been reinstated, then that along with the letter saying you had no lapse in insurance should be sufficient to serve as proof of insurance at the time of the accident."|"I had an at fault accident on may 11 and my insurance company says i had a lapse in coverage and they may not pay he clim. However the following day after i made the claim i called the insurance company and got a leter faxed from them that states thru my entire policy i have had no lapse in coverag and expresses the date of the accident specifically as covered in the form. do they hve to legally honor the letter?"|"2012-06-15 17:01:28"|"75217"|"Dallas"|"TX"|"https://insurance.freeadvice.com/insurance-questions/my-insurance-company-is-s-1179.htm" "2012-05-27 20:09:54"|"auto-insurance-qa"|"my girlfriend used my car and hit someone from behind she is not on my policy is my car covered for damages.in texas"|"If you allow someone to use your car, and they are a licensed driver, then your insurance policy will cover you for the damages to the other car. Aut insurance follows the car and not the driver. If you have physical damage coverage on your car, or collision coverage, then your policy will pay for the damages to your car, less your deductible.If you do not have collision insurance, and the accident was her fault, you would be on the hook for the damages to your own car. The insurance policy will not cover the car even though someone else was driving your car.Any payments made for the accident, either to the other party or your car will not affect your rates, presuming your girlfriend was not listed on your policy. However, her driving record will be charged for the accident and if she has her own insurance, her rates will most likely go up."|""|"2012-06-03 12:35:27"|"77566"|"Lake Jackson"|"TX"|"https://insurance.freeadvice.com/insurance-questions/my-girlfriend-used-my-car-1178.htm" "2012-05-27 20:02:51"|"auto-insurance-qa"|"Someone I know is attempting to place blame on me for an auto accident I am not liable for, can they w/o proper information?"|"If someone believes that you caused an auto accident and they have your license plate number, they can go to the police who can track you down with that information. They will probably contact you about the incident and make a report.If you are certain you were not responsible for the accident, you may still want to talk to your insurance agent and explain the situation. You can put your agent or company on notice about the incident so they can be prepared if the other party contacts them regarding the incident. Your insurance company will want to investigate and determine if you were involved or not, based on your statements, the statements of the other party and any other information available. Be sure you are honest with your insurance company regarding the accident and false statements can cause you to lose your insurance, and you could be charged with a crime. It is not worth it to deny anything that is not true."|"They have my license plate number and car details however they do not have the insurance information or my drivers license number. Just my plates and possibly my name. I'm afraid this could surprise me down the road, would someone be able to do anything with that information? "|"2012-06-24 16:47:40"|"37501"|"Memphis"|"TN"|"https://insurance.freeadvice.com/insurance-questions/someone-i-know-is-attempt-1177.htm" "2012-05-26 14:20:12"|"auto-insurance-qa"|"I was wondering if i have a vehicle registered in my name, and my cousin drives it am i liable for any of his actions?"|"If you own a vehicle and you allow someone to drive the car, then anything that may occur will be paid by your insurance. For auto insurance the insurance follows the car, so damages caused by your car will be paid by your insurance. Your rates will not be affected since the driver is not listed on your policy and not in your household. However, the driver's record would be affected if they cause an accident, even though they were not driving their car.The driver does not have to have insurance, since your insurance will cover him. However, if you knowingly allow him to drive the car and you know he does not have a license, you could be subject to cancellation by the insurance company. In addition, the insurance policy may have a clause that denies coverage if the driver is unlicensed. It is not wise to allow an unlicnesed driver to use your car."|"Suppose he does not have a license or insurance and gets in an accident or gets pulled over is there any consequences for me?"|"2012-06-24 16:42:29"|"98407"|"Ruston"|"WA"|"https://insurance.freeadvice.com/insurance-questions/i-was-wondering-if-i-have-1175.htm" "2012-05-26 11:10:37"|"auto-insurance-qa"|"My car ins wants the med pay reimbursed. Knowing I can negotiate payment amount, Do they need to know the amount I settled for?"|"In auto insurance the medical payments coverage is excess over any other collectible insurance. Your insurance company will pay, up to the limits of the policy, for your medical expenses, but they expect to be reimbursed if you collect from another party or company. You are not entitled to collect twice for the same loss.If your insurance company paid $5,000 then they are to be reimbursed that $5,000 amount. They can determine how much you were paid by the other company by simply contacting the other insurance company. It should have been explained to you how the medical payments coverage works, but it still is your responsibility to reimburse the company. You should not have spent it on other items. You may be able to work out a payment plan with your insurance company for the difference between what you still have and what you owe them. Discuss it with the adjuster."|"Not aware I needed to pay back the med pay, my insurance is asking for it back. They want a copy of check stub. Do they really need to know what i got? my med pay is $5,000 and I only have $1,000 saved that i offered them. Any advice please!thx"|"2012-05-26 12:12:24"|"90403"|"Santa Monica"|"CA"|"https://insurance.freeadvice.com/insurance-questions/my-car-ins-wants-the-med--1174.htm" "2012-05-25 20:50:14"|"auto-insurance-qa"|"I am having some issue with my car after being in an accident. It not fixed properly."|"If your insurance company agreed to fix your car, then the repairs must be complete and to your satisfaction. If the repair shop was referred to you by the insurance company, or if they are an "approved shop" for your company there should also be some sort of warranty or guarantee of the repairs.You should contact your adjuster and explain the problems with the car. Also tell them the repair shop is unable to fix the car and ask for permission to take it to another shop. Again, if there is an approved shop other than the one you used, you will probably be sent to them since the dealership will often charge a much higher repair rate than other shops. However, if there is no shop that can fix the car, you may be sent to the dealership. The adjuster should be willing to work with you on this since it is obvious the car is not properly repaired at this time."|"My car was in an accident. The insurance company decided to fix the vehicle. They told me to have it fixed. Its been 6 weeks. i just got the car back today. And it not fixed properly. The body damge is fixed, but mechanically its not correct. I have alot of lights on my dash, telling me that there is issues.The body shop cant figure them out?? The body shop has been paid, but I am not happy with the current issues from the accident? What are my options? Can i take it to the dealership? Will the damages be covered? Prior to the accident, everything was fine. Now, its a different story. "|"2012-05-26 12:17:15"|"18201"|"Hazle Township"|"PA"|"https://insurance.freeadvice.com/insurance-questions/i-am-having-some-issue-wi-1173.htm" "2012-05-25 19:25:32"|"auto-insurance-qa"|"What will the effect be on my insurance rates?"|"Insurance companies have filed for different rates for the driving record of the drivers they insure. If you have had an accident that exceeds $750-$1000 in property damage, or any bodily injury, your auto rates will be increased. If there was another driver in the car that you struck, you should not try to settle it yourself, as the other party can come back to you in 3 years and claim bodily injury. If there was an accident, you should report it to your insurance company and let them investigate and settle as they determine it should happen.With your earlier ticket and this accident, you could be at risk for the insurance company deciding not to continue your insurance. However, there are several insurance companies which will handle your insurance and you should see if your current insurance company decides to non renew your insurance or not. You can then decide what you want to do regarding your insurance coverage."|"I have auto insurance with Farmers. I do have a SR22 filed for a DUI last year and today was at fault in a minor rear end collision at a stop light. There was damage to the rear bumper of an Infiniti G ( I believe that was the model), enough that I'm sure it will have to be replaced."|"2012-05-25 22:18:37"|"94521"|"Concord"|"CA"|"https://insurance.freeadvice.com/insurance-questions/what-will-the-effect-be-o-1172.htm" "2012-05-23 12:16:33"|"auto-insurance-qa"|"I am currently insured with 100/300/100 liability limits, 100/300 um/uim. I do not have an umbrella policy. My daughter is 22 years old and currently"|"I don't understand the question. What about your daughter?"|"Also, would like to know the reasoning behind the answer. We reside in the state of Illinois. "|"2012-05-25 22:12:27"|"60071"|"Richmond"|"IL"|"https://insurance.freeadvice.com/insurance-questions/i-am-currently-insured-wi-1163.htm" "2012-05-22 21:49:58"|"auto-insurance-qa"|"Insurance estinmate for 16 yr old male"|"The cost of insurance for different drivers and different cars varies depending upon the insurance company chosen. You will need to shop around for the insurance on your new vehicle to see if you have the best rate available. Your driving experience, driving record and the type of car all affect the rates you pay. The limits of liability and deductibles for comprehensive and collision on the car also affect the costs.If you are currently insured with a company you may have a loyalty discount that applies to the premiums you pay, so be sure you are comparing the same amount of coverage on the car as you shop the costs. Some insurance companies or agents will quote lower limits than what you request in order to keep the costs down and get your business. This is not unethical, but be sure you know what you are buying."|"I turned 16 april 5 I drive a honda accord but sold it and want to get a lifvted 94 f150 6 in lift 35 in tires how much is my insurance gonna be with this truck thank you"|"2012-05-26 12:22:23"|"37355"|"Manchester"|"TN"|"https://insurance.freeadvice.com/insurance-questions/insurance-estinmate-for-1-1160.htm" "2012-05-22 15:26:05"|"auto-insurance-qa"|"Combining Auto and Home"|"Many insurance companies offer discounts if they write the home and auto insurance together. They feel they have a better chance of keeping your insurance with them over a longer period of time if they write the package of both policies. It is also less expensive for them to maintain an account with multiple policies and gives them a base for future sales of other insurance such as life insurance or banking if the company offers those products. The discount for grouping the insurance can be as much as 20% or more.It is also simpler for you the policyholder. You only have one insurance company to remember and can set up payments automatically to pay the premiums. You can also have one insurance agent to handle your needs and you can develop a relationship with them so they understand your situation and future needs. Also, you can visit your agent when they are local and meet with them."|"Is it always chipper to have both policies with one company.My quote - Home with Metlife and Cars with Travelers is lot chipper if i buy it like that than both from Metlife. Any ideas, advice?Thank you very much for your help,KS"|"2012-05-29 09:39:23"|"02920"|"Cranston"|"RI"|"https://insurance.freeadvice.com/insurance-questions/combining-auto-and-home-1157.htm" "2012-05-21 23:24:33"|"auto-insurance-qa"|"Can the at fault driver insurance company just stop paying for a rental even though we have no other means of transportation?"|"If your car is damaged in an auto accident and the other driver was at fault, the other insurance company needs to allow you a rental car while your car is being repaired. Once repaired, you shouldn't need a rental car any longer.If your car was totaled in an accident caused by another driver, the insurance company will pay for a rental car until a settlement is made for the value of your car. Once they have paid you for your car they no longer owe you for a rental car. Usually they will give a day or two from the settlement date to allow you to find a car, but that is not required. It is expected that you have been searching for a replacement car while you have been using the rental car, since you were aware that your car was a total loss. If you have not found a replacement car, you can pay for the rental car for the extended time, but the insurance company will not."|"The insurance company has told us to return the rental car even though we have not found another way to get around. Are they not entitled to allow us some more time to find another vehicle? My husband is missing work and all based on their decision. Please help!! Thank you..."|"2012-05-29 09:43:50"|"29483"|"Knightsville"|"SC"|"https://insurance.freeadvice.com/insurance-questions/can-the-at-fault-driver-i-1155.htm" "2012-05-21 17:45:20"|"auto-insurance-qa"|"Is there any monthly car insurance plan ?"|"Normally, the auto insurance policy is written for a term of six months or a year. This works in the favor of the driver in some instances since a change in your driving record will not be affected until the renewal date of the policy. For the six month term, any record changes are usually not made until the annual anniversary date.In spite of the term of the policy, most companies allow a monthly installment plan. You can pay two months to start and then on a monthly basis. If you elect an automatic deduction from a checking account or credit card, you may only have to pay one month down. If you are only needing insurance for a shorter term, you may cancel the policy when the time comes. If there is any unearned premium then the insurance company will refund that premium. Usually there is no penalty to cancel mid-term, but check with the company to be sure."|"Hi, I am look to get a car insurance just for the summer June, July, and August. The most insurance I looked like Geico, autoinsurance, progressive are for a minimum of 6 months."|"2012-05-29 09:34:29"|"77479"|"Sugar Land"|"TX"|"https://insurance.freeadvice.com/insurance-questions/is-there-any-monthly-car--1154.htm" "2012-05-20 06:57:54"|"auto-insurance-qa"|"Is there a liability form that I can have someone that is going to drive my car sign?"|"In auto insurance the insurance follows the car, no matter who is driving it. If your friend is using your car and has an accident that is his fault, your insurance will be responsible for damages and injuries to the other party. You cannot sign this liability away with a form. In addition, if the accident is a single car accident, your deductible will apply. You could ask your friend to reimburse you for the deductible, but it may not work out.On the plus side, if they have an accident, it will not affect your rates, since your friend is not a resident of the household and not a regular driver. Any charge for an accident will go on his record and affect his rates only.Since your liability will be responsible for any damages be sure your trust your friend and that he will drive responsibly while using your car."|"I have a friend that needs to use my car for the next few weeks to get back and forth to work and I would like to let him. My car has full coverage and he has a license. My question is, is there some type of liability form or something that I can have him sign in case of an accident to prevent anything from coming back or me or my sister, who signed for the car( I co-signed because I didn't have the credit to get it on my own). The insurance is in my name and the car is completely legal."|"2012-05-29 09:48:24"|"33565"|"Plant City"|"FL"|"https://insurance.freeadvice.com/insurance-questions/is-there-a-liability-form-1151.htm" "2012-05-19 12:50:28"|"auto-insurance-qa"|"Nonrenewal"|"Auto insurance companies can set up a non-renewal on an auto policy based on the terms of the policy. Most policies require a thirty day notice for the non-renewal, but you should read your policy to be sure. If the company did not give sufficient notice, then they will need to extend the cancellation date to allow the 30 days. Depending upon the rules from your state, they may have to withdraw the non-renewal and keep you insured for the upcoming term, upon payment of the premium, until the next renewal date.You should talk to the company or your agent to see what they are planning to do, presuming you can prove the date of mailing of the non-renewal notice. The date received is not the date in question, but rather the date the notice was mailed. Some insurance companies send a certified letter for non-renewals, but some only use the regular mail."|"How much time does my company have to give me for a nonrenewal? The mail date was May 15, and my policy was set to renew June 12. I thought they had to give at least a 30-day notice."|"2012-05-29 09:53:41"|"30040"|"Cumming"|"GA"|"https://insurance.freeadvice.com/insurance-questions/nonrenewal-1146.htm" "2012-05-19 08:38:03"|"auto-insurance-qa"|"Will insurance cover the cost of fixing a car that has been sitting for months with no insurance."|"The fact that a car is not being used and did not have insurance does not mean that there would be no claim for damages caused by another driver. The auto insurance policy will pay for property damage to another person's car if their insured caused the damages.However, the fact that the car has been sitting for several months, may affect the determined value of the car. The damages could be considered a total loss and the amount the insurance company will be could be determined by the condition of the car and if it was intended to be repaired and put back on the road.If the sister is an insured on the same auto policy as the driver, there could be an issue, but that needs to be determined by the adjuster. Go ahead and submit the claim, but if there is a payment, it could affect the rates of the driver. She may be better served simply repairing her sister's car on her own."|"My girlfriend backed into her sisters car that has been sitting at her fathers house for several months and has no insurance and only has a bill of sale. She doesn't have a title for the car either"|"2012-06-03 11:39:29"|"27243"|"Buckhorn"|"NC"|"https://insurance.freeadvice.com/insurance-questions/will-insurance-cover-the--1145.htm" "2012-05-18 14:53:22"|"auto-insurance-qa"|"Who's responsibility to repair car if it only carries liability insurance?"|"If your car was in an accident and you did not have collision coverage, then there is no insurance coverage for the damage to your car. This is the case even if someone borrowed your car and they were the one to damage the car.There are ways to get the car fixed. You can ask the driver of the car to pay for the damages. If they refuse, you can go to small claims court to try to get a settlement, but that does not guarantee that the driver will pay you.If the driver has his own insurance, you could try to file a claim with his insurance claiming property damage caused by him. It is a long shot, and the insurance company for the driver could deny the claim.You mentioned not having comprehensive coverage, but comprehensive is the losses such as fire, theft, vandalism or glass breakage. It would not be the coverage for any collision damage to your car."|"A driver is given permission to drive someone's car, and that car only carries liability insurance, and the driver loses control of car on ice and dents the quarter panel, is it not the responsibility of the owner to deal/pay for the dent out of pocket since they did not carry comprehensive insurance on the vehicle, and they took the risk by letting someone else drive it?"|"2012-05-18 17:28:44"|"98126"|"Seattle"|"WA"|"https://insurance.freeadvice.com/insurance-questions/who-s-responsibility-to-r-1144.htm" "2012-05-17 17:29:48"|"auto-insurance-qa"|"Can I be held responsible for any money that my insurance company dont pay for vehicle or medical bills if I am at fault in an accident"|"If you were at fault in an auto accident and there were injuries to the other parties, your insurance company will investigate and work out settlements with the other parties, up to your bodily injury liability limits. The insurance policy usually has an amount that will be paid to one party and then a total amount that will be paid for all injuries. If the liability limit is not enough to pay for all injuries, then the insurance company will usually divide the total amount amongst all of the claimants.If the amount of insurance coverage is not enough, the other parties could come after you for any additional money they seek. They would have to sue you and there would have to be a trial to determine whether the additional money is deserved. Unless the injuries were extensive, the other parties (and/or their attorneys) may decide it is not worth the effort to collect additional money from you directly."|"I was charged with failure to yeild and caused 2 more vehicles to be totaled. 5 people were in the accident besides my car but all walked away refusing medical attention. now there are 5 medical claims against my insurance company. Wlill I be responsible for any moneys my insurance company dont pay"|"2012-05-18 17:34:05"|"30512"|"Blairsville"|"GA"|"https://insurance.freeadvice.com/insurance-questions/can-i-be-held-responsible-1142.htm" "2012-05-16 19:00:37"|"auto-insurance-qa"|"What are my rights when my car is totaled and the other company low balls the payout for my vehicle?Can I request a copy of how they determined value?"|"If you were in an auto accident that was caused by the other driver and the insurance company has accepted liability, they should be willing to work with you on the cost of your car. I presume it is being declared a total loss. If so, the insurance companies use various resources to determine the value of the car including the Kelly Blue Book, NADA and local prices from car dealers and online.You say you have several quotes for the higher amount than you are being offered. However, you need to make sure they are similar to your car, including the condition of the car and mileage. Also, the prices you have need to be from your area, not somewhere else, since the values can vary by state and general area. If you have done this and the adjuster still refuses to increasa his offer, you should ask to speak to a supervisor to see if they will be willing to increase the settlement."|"I do not have collision, the other company has accepted 100% liability, i have several online quotes showing my vehicle worth $1200 more than what I am being offered.I used NADA.com"|"2012-05-19 09:43:38"|"11778"|"Rocky Point"|"NY"|"https://insurance.freeadvice.com/insurance-questions/what-are-my-rights-when-m-1140.htm" "2012-05-16 10:21:31"|"auto-insurance-qa"|"need insurance on car in my name. Niece has been driving and has tickets and collisions"|"If you have had insurance on your car with an insurance company and they are going to cancel you due to the driving record of your niece you have some options. You could stop allowing your niece to drive your car. If you decide to do that, you will need to tell your insurance company and they will have you and your niece sign an exclusion saying there is no insurance coverage if she drives the car.You could try to find another insurance company that will write the insurance on the car, with your niece as a driver. There are insurance companies which specialize in drivers with bad driving records, but the insurance is not cheap. If you choose this option, you should make your niece pay a part of the insurance premium, since she is the cause of your problem.Finally, you could put the car in your niece's name and have her obtain her own insurance and you get another car. Your insurance company may allow you to keep your insurance on a different car if your niece has her own car and insurance."|"19 years old. state farm is cancelling policy."|"2012-05-18 17:39:18"|"77479"|"Sugar Land"|"TX"|"https://insurance.freeadvice.com/insurance-questions/need-insurance-on-car-in--1138.htm" "2012-05-14 10:09:09"|"auto-insurance-qa"|"Who is at fault if someone is pulling into a parking spot and another car has its door half open and swings the door open and hits the car pulling in?"|"An auto accident involving parking spaces can be very difficult to determine fault. If the door was open when you were pulling into the space, then it is usually determined that the moving vehicle is responsible. The continued opening of the door complicates the incident, since the one opening the door should be taking care when opening the door.In this case, you will probably be better served to turn the claim into your insurance company and let them determine, through statements and investigation, as to who is at fault. This could easily be considered a mutual fault loss where each party would be considered proportionately responsible. It may be determined that each party will pay for their own damages. This could also end up in arbitration. Much of this will be determined by the amount of damages. If the damage is under your deductible, your insurance company may not get involved and could simply deny the damages to the other car. "|""|"2012-05-17 09:46:26"|"80229"|"Denver"|"CO"|"https://insurance.freeadvice.com/insurance-questions/who-is-at-fault-if-someon-1135.htm" "2012-05-11 16:32:48"|"auto-insurance-qa"|"Multi-car discount"|"Each insurance company handles the multi-car discount differently. You should talk to your agent, broker or insurance company to see if they will allow the discount. Since you are related and live at the same address, most insurance companies will allow you to have the multi-car discount. If your company will not let you have this discount, you might want to shop around with other insurance companies so you can get this discount, since it can be as much as a 20% discount.Sometimes the insurance companies do want both names on the registration. However, they usually do not ask to see the registration, so you may simply add each of you to the other's policy and then the discount would definitely be allowed. If you decide you do not want to do this, then you will have to either work with your present company or find another insurance company."|"My son and I each own a vehicle and his is registered under his name and mine under my name. My son lives with me . can I include his vehicle on my policy for a multy-car dicount. someone told me no because of 2 different registratations. But both registered to the same address."|"2012-05-12 17:45:53"|"02740"|"New Bedford"|"MA"|"https://insurance.freeadvice.com/insurance-questions/multi-car-discount-1134.htm" "2012-05-11 14:16:45"|"auto-insurance-qa"|"If my son stole my car and wrecked it, will my insurance cover it if he is not arrested?"|"If your car was stolen, even by a family member, and you have comprehensive and collision coverage on the car, the insurance company should pay for the damages to your car less your deductible.Since this was a family member, you will need to file a police report for the theft. The police may arrest him or not, but the report still needs to be filed. However, even if not a family member, a police report should be filed if you have not already done so.If you have previously allowed your son to use the car, there could be an issue with the police and the insurance company. He may have felt he was allowed to use the car and did not consider that he was stealing it. If he lives with you that could make his case stronger against a theft charge. However, your collision coverage should still cover the car if he was a licensed driver. "|""|"2012-05-13 11:13:25"|"38004"|"Atoka"|"TN"|"https://insurance.freeadvice.com/insurance-questions/if-my-son-stole-my-car-an-1133.htm" "2012-05-10 13:43:29"|"auto-insurance-qa"|"What do i do next?"|"If you had an auto accident and did not have insurance, then you could be fined and/or lose your license. If the accident was your fault, the other insurance company may come to you to reimburse them for the amount they paid to the other party.What you should do now is obtain auto liability insurance. If you lose your license you will need to show proof of insurance to get the license reinstated. You should contact your Dept of Motor Vehicles to see if they have taken any action against your license. You may not be aware if the license was suspended, although they should notify you of any action.With the accident, presuming it was your fault, your insurance rates may be higher. In addition, some states allow insurance companies to charge more if you have not had insurance. However, you need to get insurance if you intend to continue driving."|"I have been in a wreck almost 6 months ago, did not have insurance. At court i pled no contest ta the accident being my fault, judge did not ask if i had insurance."|"2012-05-13 11:37:05"|"43964"|"Toronto"|"OH"|"https://insurance.freeadvice.com/insurance-questions/what-do-i-do-next-1129.htm" "2012-05-10 11:40:57"|"auto-insurance-qa"|"Items Covered in Loaner/Rental"|"If your personal property was stolen from a car, whether owned, rented or borrowed, there is no insurance coverage from the auto insurance for this loss.Theft from an auto, for personal property, is only covered under a homeowner's or renters policy. The loss will be subject to your deductible for the homeowner policy.Talk to your agent or insurance company about the loss. You may be receiving a claim free discount that you could lose if you file a claim for the stolen property. This savings can be significant, so be sure the amount you will collect, after your deductible, is enough to warrant losing the claim free discount. If not, you should not file the claim since it would cost you more in premium savings than you would get for the loss. Obviously, if you do not have a renters or homeowner insurance policy, there is no coverage for the stolen property. "|"Are my personal items that were stolen with a rental car covered under my insurance policy?"|"2012-05-13 11:08:57"|"75143"|"Kemp"|"TX"|"https://insurance.freeadvice.com/insurance-questions/items-covered-in-loaner-r-1128.htm" "2012-05-10 08:16:02"|"auto-insurance-qa"|"operators"|"Auto insurance companies want to know of all drivers in the household. While a driver can have another insurance company, they are each entitled to know of the driver and insurance. Many companies will ask for a copy of the policy for the other driver.The insurance company usually will not cancel the policy for the drivers they insure, but will want the proof of insurance or to add the son as a driver on the parents policy. It should not be a problem for the son to provide a copy of his insurance to the other company. I'm not sure why the request of the insurance company is an issue to the son unless he is not maintaining his insurance. The parents could also exclude their son from their insurance policy, which is something the insurance company should be willing to do if that is what the parents want to do. However, he then can never drive their car, and if he does there will be no insurance coverage for any loss or accident. I don't recommend this option."|"My boyfriend pays rent to his parentsand lives with them and has his own auto insurance policy. His parents auto company is different from his. His parents insurance company tried telling him he needs to give them proof each year that he has his own insurance policy as long as he lives with his parents. If not they would cancel his parents insurance policy. We live in New York State are they allowed and supposed to do this? Any advice would help "|"2012-05-13 11:43:04"|"13493"|"Williamstown"|"NY"|"https://insurance.freeadvice.com/insurance-questions/operators-1127.htm" "2012-05-09 11:31:03"|"auto-insurance-qa"|"Can the insurance company of the at fault driver refuse to pay medical bills until a final settlement is reached?"|"When there is an auto accident that includes bodily injury, the insurance company will not make a settlement for the injuries until all bills are submitted. They will not make partial payments to another party for their injuries. This is standard procedure for insurance companies. The insurance company needs to know the entire amount of a loss before they make a settlement so they do not exceed the liability limits of their insured's insurance policy. If they make partial payments they could end up not paying the proper amount for the loss.If you have medical payments coverage under your auto insurance, you can file a claim through that insurance coverage and your insurance company will most likely be willing to make partial payments until the amount of insurance is used up. This coverage is usually excess coverage, so if you have medical insurance, the insurance policy will pay only for co-payments or deductibles. They would not be the principal payor for the injuries."|"Insurance company of at fault driver has accepted liability and paid for my car repairs. Medical treatment is complete bt they are refusing to pay doctor until final settlement is reached. Docotr has sent bill to collection agency. The loss happened in Austin, Tx."|"2012-05-13 11:48:24"|"78749"|"Austin"|"TX"|"https://insurance.freeadvice.com/insurance-questions/can-the-insurance-company-1125.htm" "2012-05-09 10:29:46"|"auto-insurance-qa"|"can a insurance company cancel your plan without your knowledge"|"If the insurance premium on your car insurance was past due, the insurance company is required to send you a notice of cancellation and give you 10-15 days to pay the premium. During this time your insurance would be in force so any loss would be covered. The insurance company could require that you pay the past due premium, so the policy could be properly reinstated, and then the insurance adjuster should handle the claim. You need to talk to your insurance agent to be sure the policy was still in force at the time of the loss, as they should have a record of when the policy was to cancel for non-payment of the premium. If you did not pay the premium by the 24th, then there would not be any coverage for the loss.Insurance policies provide the extra time to pay as required by the state. This is not a "free month" of insurance, but a part of a legal contract. You should not presume that the insurance is in force if you have not paid the premium on time, since you could fail to read the notice of cancellation and the date insurance is to cancel."|"my company is say my plan was cancel on april 24th, my accident was april 20th, but I was in my free month at the time.When I called to report the accident they informed me I was not covered, I had to pay what they said was 44..00 to reinstate. My agency said I was covered, but the main ofiice siad I wasn't."|"2012-05-18 17:44:50"|"60643"|"Calumet Park"|"IL"|"https://insurance.freeadvice.com/insurance-questions/can-a-insurance-company-c-1124.htm" "2012-05-09 09:59:13"|"auto-insurance-qa"|"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."|"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."|"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."|"2012-05-18 17:49:21"|"33308"|"Fort Lauderdale"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-hit-a-pipe-with-my-jagu-1123.htm" "2012-05-08 18:05:43"|"auto-insurance-qa"|"If my car has hail damage and i make a claim on it and my adjuster cuts a check with my name and my body shops name on it do i have to fix my car with"|"When your car is damaged by hail, the insurance company will pay for the cost to repair the car, less the deductible. If the insurance company made the check payable to you and the repair shop, you would have to have the repair shop sign off of the check to be able to simply cash the check.You do have the option of having the check made out to you only. You can say you don't know where you want to get if fixed, or say you need to save up the deductible. The insurance company should be willing to reissue the check in your name only.You do need to be aware that you will probably not be able to claim hail damage to the car if there is another storm if you do not repair the car. The insurance company most likely has photos of the car and will be able to determine if the car was repaired or not. They will not pay to repair the car for the same damages as you incurred earlier if you did not fix the car."|" If my car has hail damage and i make a claim on it and my adjuster cuts a check with my name and my body shops name on it do i have to fix my car with the money?"|"2012-05-08 22:00:29"|"37738"|"Gatlinburg"|"TN"|"https://insurance.freeadvice.com/insurance-questions/if-my-car-has-hail-damage-1122.htm" "2012-05-08 14:58:47"|"auto-insurance-qa"|"Should Gap pay for the amount mentioned below?"|"If your car was a total loss, the insurance company handling the settlement is to pay for the value of the car. This includes the condition of the car and its tires. If your tires were worn, then the value of the car would be reduced. It would also seem that the car may have higher mileage than average, which again will affect the value of the car.Gap insurance varies by company and you should read the part of the insurance policy that refers to it. It should say if the actual difference in the settlement versus your balance due on the car is what they are to pay, then they need to make the $560 payment. However, if there is a clause that indicates they can deduct for the condition of the car, then you may have a problem. Ask yoru agent to explain the coverage to you so you can see how this is being handled. If the insurance company is not willing to increase the settlement for the Gap insurance, try to work something out with your lender. They may be willing to waive the $560 or at least a portion of it, depending upon the condition and mileagae of your car."|"I was involved in an accident which my car was considered total lost and I have Gap Insurance. My primary insurance didn't cover a cost of $560.00 to my lander stating that was for my tires that were wareout. However my car was inspected and i would not know my tires were wareout unless it didn't passed the inspection or I could see they were wareout, and i couldn't.Now the Gap will not pay for the $560 that still owened to the lender. Who should pay?"|"2012-05-19 09:49:28"|"75067"|"Lewisville"|"TX"|"https://insurance.freeadvice.com/insurance-questions/should-gap-pay-for-the-am-1121.htm" "2012-05-08 10:12:36"|"auto-insurance-qa"|"How much will auto insurance cost for a 16 year old woman."|"shop around - rates vary"|""|"2012-05-13 11:49:53"|"51534"|"Glenwood"|"IA"|"https://insurance.freeadvice.com/insurance-questions/how-much-will-auto-insura-1119.htm" "2012-05-08 08:34:53"|"auto-insurance-qa"|"how much does auto insurance cost for a 16 year old"|"duplicate question"|""|"2012-05-08 22:02:08"|"51534"|"Glenwood"|"IA"|"https://insurance.freeadvice.com/insurance-questions/how-much-does-auto-insura-1116.htm" "2012-05-07 13:57:39"|"auto-insurance-qa"|"Does my full coverage on my car cover me if someone else is driving and gets into an accident that is the other persons fault? "|"Even though your son is not listed on your auto policy as a driver, he would be covered in the event of the claim being decided to be your fault, or mutual fault. In auto accidents, the isnurance follows the car, not the driver, so the owner of the car involved in the accident has their insurance company handle the claim. This is presuming that you do not have a restricted policy that only covers drivers that are listed on the policy.Your insurance company may, after the settlement of the claim, contact you about your son. They will ask if he is a resident of the household. If he is, they will want to add him to your policy unless he has his own insurance. If that is the case, then you will need to provide them with the name of the insurance company and policy number. This is pretty standard when an unlisted driver is involved in an accident, regardless of fault."|"My son who is not on my insurance was driving my car and was hit by another driver. Will my damage be covered if fault is contested by the other party? "|"2012-05-07 18:12:18"|"98012"|"Bothell"|"WA"|"https://insurance.freeadvice.com/insurance-questions/does-my-full-coverage-on--1115.htm" "2012-05-07 10:53:25"|"auto-insurance-qa"|"What can be done if a person I got into an accident with (myfault) gave my insurance company a bunch of false information?"|"It's hard to imagine why the other party in the accident would give false information to the adjuster when making a claim. The information given by him really has little effect on the claim since what he said was not really a factor in determining fault. In addition it could jeopardize the other party's ability to collect for any damage if the adjuster finds out the information given was intentionally false.The adjuster will call you and get your statement regardng the accident. You should give all truthful information. It is up to you whether you want to tell the adjuster what the other party told you. Again, what was said did not really affect the claim since you have admitted fault, but the adjuster may do some additional investigating if he learns the other party lied about the details of the accident, and could end up getting him a record for lying to insurance companies."|"I got into a car "bump" in a parking lot outside the university I attend. It was my fault. Minimal damage to his bumper, and my tail light was broken. However, when he called me after speaking with my insurance company, he informed that he told them a bunch of false information, so they would "go easier on me." He told them it happened on Saturday, when it really happened on Friday. He told them my car was white, when it was red. He told them if was in a parking lot at a mall far away, instead of near campus. I feel like someone needs to be done here. Please help. Thank you."|"2012-05-07 18:05:36"|"32708"|"Casselberry"|"FL"|"https://insurance.freeadvice.com/insurance-questions/what-can-be-done-if-a-per-1114.htm" "2012-05-07 01:30:16"|"auto-insurance-qa"|"I need to know how long State farm has been giving Homweoners Discount for Auto Insurance Policy holders?"|"Discounts by insurance companies can vary by states. While the insurance company may have been giving discounts in one state for a long time, that does not mean they have been giving the discounts in other states. Each insurance company must file their rates with the state, including the discounts for having the home and auto insurance with them.Your agent, presuming he wrote the home and auto insurance, should have made sure that you were receiving the appropriate discounts if they were available. If you had the insurance for your auto with one agent and the home with another agent, it may have been difficult for the agents and company to determine that you qualified for the discounts. If the insurance was with one agent, then they should have made sure the discounts were applied. If they weren't then you should discuss this with the insurance company and explain the discounts were overlooked by the agent, through no fault of your own, and ask them to go back as far as the discounts should have been applied."|"I have been told by someone in State farm that they only have been giving Homewoners Discount for about 2 years now. I don't think state farm wants to credit my premiums because I have been with them for 14 years and just found out they did NOT service my policy properly with my homeowners for the entire 14 years. They only want to refund me for 2 years, claiming that they just started that discount 2 years ago."|"2012-05-08 22:08:27"|"33025"|"Hollywood"|"FL"|"https://insurance.freeadvice.com/insurance-questions/i-need-to-know-how-long-s-1113.htm" "2012-05-06 20:54:26"|"auto-insurance-qa"|"How can I contest the insurance companies settlement offer ?"|"When you are involved in a hit and run accident, then the insurance on your car is the only place you can get a settlement for your car and injuries. If you have medical payments coverage on your policy then that will help pay for the injuries and medical costs. In addition, uninsured motorist coverage should be available to help in the costs you incur. Your adjuster should be willing to explain the coverages and how they will help settle for your injuries and time off of work.For the car, the insurance company will use various resources to determine the value of the car, including NADA, Kelly Blue Book and local car dealer prices. If you do not feel the value offered is fair, then you have to prove your case. You will need to find local values of the car, in the same condition. If you have th records that you indicate you have, then you should get the higher value of the car. Find some local listings either in the paper or online showing the higher value and see if the adjuster will increase the offer. If not, you should try the supervisor to see if they can increase the settlement offer."|"I was a victim of a hit and run car accident and my car is now considered a total loss. Farmers Insurance has offered me $20,000.00 as a settlement on a 2007 Acura TL-Type S in absolute mint condition with 59,000 miles. I have all records to prove the maintenance and upkeep was impecable. On top of it, I have incurred thousands in medical bills and have had to miss over a month of work. I am in horrible financial difficulty now because iof the accident, and do not want to be taken advantage of by the insurance company. Please help me. "|"2012-05-19 10:00:01"|"60707"|"Chicago"|"IL"|"https://insurance.freeadvice.com/insurance-questions/how-can-i-contest-the-ins-1111.htm" "2012-05-03 16:25:25"|"auto-insurance-qa"|"the owner in the car with a excluded driver"|"When an auto insurance company has an exclusion for a driver, usually the driver and the policyowner have to sign acknowledging that they understand the person is not covered if there is an accident. This is usually accepted by the courts so if the driver was excluded then there is no insurance coverage from the other insurance company.If your insurance had lapsed, then you have no recourse to go through your insurance company to have them pay for your damages and then have them subrogate against the other driver or car owner.Your only alterntative at this time is to go to court and file a claim against the other car owner and/or the driver. You should be able to go to small claims court, depending upon the amount of damages and the limits of your state's small claims limitations. If you can prove that the owner of the car has allowed the unlicensed driver to use the car there could be some legal issues or the police could get involved in this issue."|"my vehicles was parked and hit along with a school bus and another vehicle. Come to find out the driver was a excluded driver but the owner of the vehicle was in the car with the excluded driver the insurance company saying that they cant pay for damages because he was excluded but with the owner in the car does that amount to any thing. The owner knows this person has no license but she allows him to drive all the time what can i do because my truck ins had lasped that morning but my car insurance was good i feel that i shouldnt have to pay for something that wasnt caused by me."|"2012-05-03 22:16:01"|"30311"|"Atlanta"|"GA"|"https://insurance.freeadvice.com/insurance-questions/the-owner-in-the-car-with-1104.htm" "2012-05-02 21:50:49"|"auto-insurance-qa"|"how can I persuade farmers ins to offer me more than $250.00 for the trauma of an accident that was not my fault"|"talk to a lawyer"|"Parked in a lot, an elderly woman in her 70's pulls in to the left of me, and hits my car scraping the left rear quarter panel, then she backs out and scrapes it again, then she pulls in repeating this. Hits my car 4 times. "|"2012-05-03 22:16:29"|"92701"|"Santa Ana"|"CA"|"https://insurance.freeadvice.com/insurance-questions/how-can-i-persuade-farmer-1103.htm" "2012-05-02 19:29:24"|"auto-insurance-qa"|"if the accident happens and you are pregnant should there be compensation for the baby you are carring?"|"you need to talk to an attorney This is for insurance questions, not settlement questions."|"I was 2 mo. pregnant when i was t boned and rolled upside down in a ditch. My car was totalled and I just finsihed medical treatment a year after accident. The insurance is offering me $5000 + medical bills paid. I do not believe that is a fair compensation."|"2012-05-07 22:36:44"|"98604"|"Battle Ground"|"WA"|"https://insurance.freeadvice.com/insurance-questions/if-the-accident-happens-a-1102.htm" "2012-05-02 11:21:18"|"auto-insurance-qa"|"Does the “at fault” driver's insurance company have to pay my medical bills directly or can they send me the check to cover my medical bills?"|"In an auto accident with bodily injury, that was caused by another driver, the other insurance company will wait until all medical bills are submitted and then make an offer for the medical expenses plus an additional amount of things such as lost wages. They wilso usually settle for an additional amount for pain and suffering.The adjuster will usually send payment directly to the medical providers for your injurues, especially if the providers have agreed to wait for the payment from the insurance company. If you have not paid for the medical expenses already, then you should not expect the insurance company to pay you directly.For the other part of the settlement, you will need to talk to the adjuster explaining why you feel a higher amount is needed. If the adjuster will not return your calls, ask for a supervisor and talk to them about a higher settlement amount."|"I was rear ended by a driver who wasn’t paying attention, His insurance company accepted 100% liability. I am 7 mos pregnant and my 10 year old son was in the car with me. I had to take two weeks off of work and go through physical therapy and several doctors appointments (thank god my son and unborn baby was ok). I had to go back and forth over the phone with the "at fault" driver’s insurance company and finally got all of my medical bills and loss wages sent over to him. My Medical bills totalled around $6,300 and lost wages were $900. I sent him a letter asking for pain and suffering. He called me with a today with a verbal settlement of $8,300.00 Which is $6,300 for my medical and $2,000 for pain suffering and lost wages. He said he would send me the check for the full amount as soon as I signed the agreement he emailed me. In the email it said I will be getting a check for only $2,000 and he will pay my medical bills directly up to $6,300. I refused to sign the agreement and I called him back and now im not getting an answer from him. I think he offered me the $8,300 just to try to rush me into settling, when he knew he was only going to issue me a check for $2,000. $2,000 is very low for a settlement amount. Especially when it already includes $900 for lost wages. So that means he’s only paying me $1100 for pain and suffering. Now I dont know what to do or what steps to take. "|"2012-05-19 09:55:32"|"23704"|"Portsmouth"|"VA"|"https://insurance.freeadvice.com/insurance-questions/does-the-at-fault-driver--1100.htm" "2012-04-30 21:54:43"|"auto-insurance-qa"|"How much money will receive for pain and suffering?"|"talk to a lawyer-settlement amounts cannot be determined here."|"I was rear-ended while stopped at a cross-walk. My car received minor damages- a dent and scratches. However, I had to go to a chiropractor because my neck began to hurt 2 days after the accident. The doctor told me I have a small fracture in my neck. I also have minor back pain. How much money will I be receiving for pain and suffering. Also I have to keep traveling to my doctors and lawyers office which is using up a lot of gas."|"2012-05-02 19:20:36"|"06810"|"Danbury"|"CT"|"https://insurance.freeadvice.com/insurance-questions/how-much-money-will-recei-1095.htm" "2012-04-26 19:32:57"|"auto-insurance-qa"|"State Farm is dropping our insurance for son's driving record,"|"Auto insurance companies use driving records, losses and other factors when determing whether to continue to insure a driver or not. If this accident was not at fault for your son, it is unlikely that this would be the reason your insurance company is dropping him as a driver. If he has had several accidents and tickets, an if he is a young driver, the insurance company may decide that this is the time to drop him from coverage.Talk to the adjuster and see if they were successful in getting reimbursement for the accident from the other insurance company. If so, ask your agent to find out why the company has decided to drop your son. If the company was unable to obtain reimbursement, then that would indicate that your son may have been partially at fault so the decision to drop him may have come from that incident, but ask them to outline their reasons for the decision."|"the last incident that caused this was when someone intentially ran into him, she was arrested but but because of the lenght of time our attorney told us to have it fixed under our insurance which we did. We have supplied all of the police reports etc. Can we be dropped when he was not at fault?"|"2012-04-29 09:02:22"|"70458"|"North Shore"|"LA"|"https://insurance.freeadvice.com/insurance-questions/state-farm-is-dropping-ou-1087.htm" "2012-04-24 23:26:36"|"auto-insurance-qa"|"Do I have to let adjuster know I am filing injury claim for each child"|"If you were in an accident and there were several passengers in the car the insurance company should be made aware of the other passengers in the car and the extent of their injuries. You can make the original report of the parties involved, including their ages and injuries. the insurance company adjuster may want to talk to the adult victims and, if the children are of an older age, may ask for their statements. If they are young, the statement from the parent or guardian would be used. There is no need to make several reports for the same incident or accident.You will need to keep records of any medical expenses incurred by all parties in the accident. If you are claiming against the other party's insurance, then the settlement will be made after all bills are in. They will not pay partially for medical expenses. If you are claiming against your own insurance policy you may be able to get partial payment, up to the limits of the policy. Talk to the adjuster(s) assgiend to the claim to better understand how things will be settled."|"I was in a car wreck and my children were in the car. I wanted to know if I needed to file a claim for each child or will it be all together when I reported the accident. Does my fiance have to call hisself to report although I have already called."|"2012-04-29 09:13:09"|"30083"|"Memorial Square"|"GA"|"https://insurance.freeadvice.com/insurance-questions/do-i-have-to-let-adjuster-1082.htm" "2012-04-24 23:26:36"|"auto-insurance-qa"|"Do I have to let adjuster know I am filing injury claim for each child"|"If you were in an accident and there were several passengers in the car the insurance company should be made aware of the other passengers in the car and the extent of their injuries. You can make the original report of the parties involved, including their ages and injuries. the insurance company adjuster may want to talk to the adult victims and, if the children are of an older age, may ask for their statements. If they are young, the statement from the parent or guardian would be used. There is no need to make several reports for the same incident or accident.You will need to keep records of any medical expenses incurred by all parties in the accident. If you are claiming against the other party's insurance, then the settlement will be made after all bills are in. They will not pay partially for medical expenses. If you are claiming against your own insurance policy you may be able to get partial payment, up to the limits of the policy. Talk to the adjuster(s) assgiend to the claim to better understand how things will be settled."|"I was in a car wreck and my children were in the car. I wanted to know if I needed to file a claim for each child or will it be all together when I reported the accident. Does my fiance have to call hisself to report although I have already called."|"2012-04-29 09:19:10"|"30083"|"Memorial Square"|"GA"|"https://insurance.freeadvice.com/insurance-questions/do-i-have-to-let-adjuster-1082.htm" "2012-04-24 18:29:11"|"auto-insurance-qa"|"Is there a claim for an accident if the person driving the vehicle has no driver's license?"|"In auto insurance the insurance follows the car, so the insurance for you would be the insurance on your car and the owner of the truck would be the other insured vehicle. Since your boyfriend was backing up, it is most likely that your insurance will be responsible for the damages to the truck.The fact that the driver of the other vehicle was unlicensed will not play a major factor in the settlement of the accident. While the owner of the truck should not have allowed the person to drive, that would be an issue for the police. The fault of the accident didn't really involve the fact that the other driver was not licensed. However, since it was a parking lot accident, they most likely would not have come out to the scene. You should explain this detail to your insurance company when you file the claim for the accident, but they may not consider that fact when adjusting the claim."|"About two days ago my boyfriend and I got into a minor accident in a private parking lot. My boyfriend was pulling my car out of a parking and accidentally bumped into a truck behind us in which is did not see coming. We tried to exchange information, but the driver claimed to have no insurance and had no driver's license or an American I.D. He had a Mexico I.D. We exchanged what information we could and a couple of days later the actual owner of the truck's insurance called my boyfriend to get information. Does the insurance of the owner of the truck make a case for the unlicensed driver?"|"2012-04-29 09:08:51"|"95112"|"San Jose"|"CA"|"https://insurance.freeadvice.com/insurance-questions/is-there-a-claim-for-an-a-1081.htm" "2012-04-20 21:18:03"|"auto-insurance-qa"|"my father died 3 years ago, His car insurance,is still in his name, is that legal?"|"If your father is deceased and the estate is not yet settled, then the insurance and title of the car might well still be in your father's name. However, the insurance company needs to be advised as to who the regular drivers are so they can properly underwrite the policy. Be sure you have talked to your father's insurance agent or company so they are aware of what is going on with the car and its use.If there is no problem with the heirs in your father's estate, then whoever will be getting the car should transfer title to their name as soon as possible. If there was no will, then there could be problems with the State or DMV in transferring the title. You may need to get an attorney or some sort of legal help in transferring the title. Until that time, the title may have to remain in your father's name but, again, tell the insurance company who is driving the car. "|""|"2012-04-23 10:32:20"|"87110"|"Albuquerque"|"NM"|"https://insurance.freeadvice.com/insurance-questions/my-father-died-3-years-ag-1071.htm" "2012-04-18 15:37:16"|"auto-insurance-qa"|"Not insured driver, driving on my insurance"|"It is never in your best interests to try to settle an auto claim on your own because what is originally agreed upon may not end up how both parties finally settle the claim. In your case, where you agreed to pay for the damages and the other party then decided to go to their insurance company, is a perfect example of how things can go wrong. I presume that the other person's car insurance company has contacted you for reimbursement for the amount they paid to repair the car.If you have a copy of the letter saying nothing more would be sought, and if you have proof that you paid for the repairs to the other person's car, you may be able to convince their insurance company that you have already compensated them for the repairs. This could work for you, but the insurance company could still say they had to pay for the repairs and that they want reimbursement. In that case, you should contact your insurance company to see if they will work on your behalf. They could refuse, since you have already tried to settle, but it could work for you."|"My friend was driving my vichele while passing the DMV driving test, when she was parking she hits the car parked on a lot. The owner of the vichele agreed on money (cash) instead of claiming it to insurance. We signed a paper, saying that owner would not have any other compensation. After that, owner of the vichele is claiming to insurance company. What can we do?"|"2012-04-23 10:36:47"|"80013"|"Aurora"|"CO"|"https://insurance.freeadvice.com/insurance-questions/not-insured-driver-drivin-1067.htm" "2012-04-17 13:15:32"|"auto-insurance-qa"|"If I do not go to court against the at-fault driver and her ticket gets dismissed, can her insurance then sue me to repay the cost of my car's damages"|"In an auto accident, the fact that there was a ticket issued does not confirm or deny that the party was at fault. Since you were rearended it is unlikely the other person's insurance company will deny liability. They should be willing to settle the claim for you.Police reports involving insurance accidents also do not determine the fault of the drivers involved. The insurance companies do an investigation, including taking statements from both drivers and determine fault in that way.You should contact the other driver's insurance company and file a claim with them. Proceed as you would whether or not she got a ticket. Her insurance ocmpany may not know about a ticket or not, and again, dismissal of the ticket does not free her from liability.If the other insurance company stalls you, you can go to your insurance company and ask them to repair your car, less the deductible. they will then subrogate against the other insurance company for the damages and if successful, you will get your deductible reimbursed. However, it is easier for you to go to the other insurance company because you won't have to pay your deductible."|"I was rear-ended and the other driver was ticketed. The officer told me I didn't have to go to court, and the ticket would be dismissed. I felt bad for the other because she is a teacher and I know they don't make a lot of money. I was then informed that if the ticket gets dismissed that her insurance could say she was not actually at-fault. Is this true?"|"2012-04-18 18:10:30"|"33190"|"Cutler Bay"|"FL"|"https://insurance.freeadvice.com/insurance-questions/if-i-do-not-go-to-court-a-1064.htm" "2012-04-17 10:27:15"|"auto-insurance-qa"|"I was involved in a accident going to work, I missed work due to the fact I was rushed to the hospital due to injuries what are my rights?"|"Since you won't talk to the adjuster, it will be difficult for the insurance company for the other driver to settle this claim. If you have obtained an attorney, then let the attorney handle this claim."|"The driver of the car stated that it was her fault she has full courage with Nationwide Insurance ... the Claim Officer has called me a couple of times but I dIdn't answer due to the fact I wanted to talk to Lawyer before talking to her in regards to what steps to take in regards to this matter at hand ... please note due to the X-Rays that were taken on 4/13/2012 the tests states : Arm Confusion , Cervical sprain, Lumbar sprain . The Doctor stated that I'll be experiencing and or going through a lot of excruciating pain due to this accident which I have been. What should I do ? "|"2012-04-17 10:33:04"|"46901"|"Kokomo"|"IN"|"https://insurance.freeadvice.com/insurance-questions/i-was-involved-in-a-accid-1062.htm" "2012-04-17 10:27:15"|"auto-insurance-qa"|"I was involved in a accident going to work, I missed work due to the fact I was rushed to the hospital due to injuries what are my rights?"|"Since you won't talk to the adjuster, it will be difficult for the insurance company for the other driver to settle this claim. If you have obtained an attorney, then let the attorney handle this claim."|"The driver of the car stated that it was her fault she has full courage with Nationwide Insurance ... the Claim Officer has called me a couple of times but I dIdn't answer due to the fact I wanted to talk to Lawyer before talking to her in regards to what steps to take in regards to this matter at hand ... please note due to the X-Rays that were taken on 4/13/2012 the tests states : Arm Confusion , Cervical sprain, Lumbar sprain . The Doctor stated that I'll be experiencing and or going through a lot of excruciating pain due to this accident which I have been. What should I do ? "|"2012-04-17 10:39:35"|"46901"|"Kokomo"|"IN"|"https://insurance.freeadvice.com/insurance-questions/i-was-involved-in-a-accid-1062.htm" "2012-04-17 09:42:20"|"auto-insurance-qa"|"I am visiting my daughter in Washington and back into a pole while driving her car. Do we make a claimon her insurance or mine"|"Auto insurance follows the car. Since the accident happened in your daughter's car, the claim should be filed under her insurance. Her deductible will apply for repairs to her car. Of course, you can reimburse your daughter for her deductible if you so choose.Since you are not a regular driver of her car, and do not reside in her household, her insurance rates will not be affected by the accident. However, if a police report is filed your insurance rates could be affected, depending upon the amount of damages arise from the accident. Most insurance companies do not charge for an accident if the damages are under $1,000.Your daughter's insurance company could ask for reimbursement for the loss from your insurance company, but that is not usually done for a minor accident. If they do, you can report to your insurance company to resolve the incident between the two insurance companies."|"I live in California and have full coverage insurance on my own car so does my daughter. I dont want thr accident to affect her negatively. How do we handle this situation?"|"2012-04-17 10:25:32"|"98059"|"Newcastle"|"WA"|"https://insurance.freeadvice.com/insurance-questions/i-am-visiting-my-daughter-1061.htm" "2012-04-16 22:20:43"|"auto-insurance-qa"|"Wrongful death "|"This auto accident sounds like there are numerous issues to be resolved to determine who is at fault in this instance. The driver of the auto should report this to their insurance company so they can investigate the claim.The owner of the motorcycle should also report the accident to their insurance company, presuming there was insurance on the motorcycle. If the motorcycle was a registered vehicle, it should have insurance. If it is not registered to be used on streets, there could be an issue since it was being used on a street. If there is a police report this could be used to help settle the claim.The insurance companies will investigate the accident and may not agree as to how it should be settled, so arbitration could be used to try to settle the claims. The final settlement may conclude that both parties were at fault and a percentage of fault could be determined to both operators."|"If two children were riding an electric motorcycle in a culdisack neighborhood and a vehicle struck them as they entered the street and the vehicle's driver never applied the brakes and took 142 feet to stop, who would be liable the driver of the electric motorcycle (toy) or the driver of the vehicle? "|"2012-04-17 10:31:48"|"31510"|"Alma"|"GA"|"https://insurance.freeadvice.com/insurance-questions/wrongful-death-1060.htm" "2012-04-16 14:59:16"|"auto-insurance-qa"|"Insurance company didn't notify us that they were canceling our policy. What do I do?"|"If an insurance company does not receive a payment, even on an automatic deduction from an account, they cannot immediately cancel the policy. They are required to send notice to you that the payment did not clear and give you a certain number of days to make the payment. The number of days is usually 10-15 days notice. Also, if you have an insurance agent, they should have contacted you about the failure of the payment, but they are not required to do so. In addition, I would think you would have gotten a notice from your bank about the failed payment.Ask the insurance company to provide you with dates and copies of any notices sent to you about the non-payment. While they cannot prove whether or not you got the notice, they do have to prove that the notice was sent. When you get this information see if the adjuster will do anything about try to reinstate the coverages so the claim is paid."|"My husband was in a wreck and for the past week he has been talking with our insurance company about all the things he would need to have done for the claim. Until today they never once told us that they had canceled out policy earlier this month. We are in the military so we set up our payment to be taken out after we got paid the middle of each month and they are saying that when they attempted to pull it last month they were unable. We never got any mail, emails or phone calls saying that they weren't able to otherwise we would have fixed it. Is there any way to get our claim taken care of?"|"2012-04-18 18:16:24"|"80909"|"Colorado Springs"|"CO"|"https://insurance.freeadvice.com/insurance-questions/insurance-company-didn-t--1058.htm" "2012-04-14 19:31:45"|"auto-insurance-qa"|"WHO DECEIDES WHO IS AT FAULT? THE POLICE REPORT I RECEIVED BY THE OFFICER ON THE SCENE OF THE ACCIDENT ,THE OTHER DRIVER IS RESPONSIBLE"|"If you are in an accident that is not your fault, the fact that you do not have insurance does not necessarily affect the handling of the claim. If the other party was at fault, then therr insrance company should be held accountable for the damages to your car.The other insurance company may well investigate the claim, since you were not insured, and you may have issues with the police and the Dept of Motor Vehicles, but if you were not responsible for the accident, then the other insurance company should pay for the damages to your car.The other insurance company may be uncooperative due to the fact that you did not have insurance at the time of the loss, but if their driver was responsible for the accident, the fact that you had no insurance should not affect the handling of the claim. If they refuse to pay the claim, ask for a supervisor, since the fact taht you had no insurance did not affect the claim."|"I AM THE OWNER OF A UNINSURED VEHICLE WHO WAS NOT DRIVING MY CAR AT TIME OF ACCIDENT. BUT SUPPOSIVELY AND ACCORDING TO WHAT I READ FROM THE ACCIDENT REPORT THE OTHER INSURED VEHICLE IS AT FAULT.BUT I KNOW HAVE A WRECKED VEHICLE AND NOW HAVING A SUBROGATION COMPANY COMING AFTER ME ? WHAT TO DO?"|"2012-04-24 22:01:39"|"98662"|"Orchards"|"WA"|"https://insurance.freeadvice.com/insurance-questions/who-deceides-who-is-at-fa-1057.htm" "2012-04-14 06:53:16"|"auto-insurance-qa"|"good morning i'm a student. i'm studying insurance and risk management i was given the scenario below"|"Since this is your course, for me to give you answers would not be ethical."|"Mr A is involved in a car cident, the owner of the other vehicle is Mr B.both of them blame each other for the accident and the damages. Mr B's car was repaired by the Family Trust's insurer and basically not his OWN insurance company. now the insurance company is suing mr A for the damages to Mr B's car. this (as far as i know )should not be happening when we take the principle of indemnity and subrogation into account but i don't know how to use those concepts here. what adivice would you give Mr A? "|"2012-04-14 12:01:32"|"10292"|"New York"|"NY"|"https://insurance.freeadvice.com/insurance-questions/good-morning-i-m-a-studen-1054.htm" "2012-04-12 17:34:23"|"auto-insurance-qa"|"Insurance charging for daughter living in my house even though she has own Insurance."|"Insurance companies expect to collect premiums for the exposure in the household. While most of them will accept evidence of insurance for the driver in the household has their own insurance, there are companies which do make a charge for such drivers.You can ask your company if you can exclude your daughter as a driver on your cars. Of course, you need to be sure she will not be using your cars. If she does, and she is excluded, there will be no insurance coverage if she is involved in an accident. This is a big step, but it could save you the premium being charged. If you choose not to do this, you may have to accept the additional charge or see if there is another insurance company willing to accept your insurance and not charge for your daughter. Maybe you can get your daughter to pay all or part of this charge."|"About a year ago I dropped my daughter from my insurance because she kept moving out then back in etc... Well now she is back in but has her own car insurance. My insurance comp kept sending my letters about my daughter until I finally called them. I told them my daughter was back home but she has her own insurance. Now they want to charge me $43. to put her on my policy unrated just for being in the house. I think this is foul and can they do this?? im trying to watch my pennies and they are taking them away!! Please advise"|"2012-04-14 12:06:31"|"36305"|"Dothan"|"AL"|"https://insurance.freeadvice.com/insurance-questions/insurance-charging-for-da-1051.htm" "2012-04-12 16:07:11"|"auto-insurance-qa"|"I was involved in an accident in December of 2011 and the other driver failed to yield causing the accident. Her insurance took total responsibility."|"If you were involved in an auto accident that was not your fault and you suffered financial losses due to the accident, the other insurance company may be willing to compensate you for your loss. You will need to provide proof of the loss. A letter from the school may be helpful, unless you can provide the proof yourself. In addition, be sure to indicate the time you were injured coincides with the time you would have been attending the classes. You may also need to prove that the school would not refund your tuition or allow you to retake the course without charge.Most insurance claims include compensation for lost wages and other financial losses that are a result of the accident. Talk to the adjuster and see if they will consider this loss. If not, ask to speak to a supervisor and plead your case with them. Hopefully they will consider this a part of the accident and your loss."|"I am an online student and had to drop two of my classes due to injury and now I have to pay the school for those two dropped classes and was wondering if the insurance covers that?"|"2012-04-14 12:00:35"|"97457"|"Myrtle Creek"|"OR"|"https://insurance.freeadvice.com/insurance-questions/i-was-involved-in-an-acci-1049.htm" "2012-04-12 15:52:03"|"auto-insurance-qa"|"Insurance premium goes up even though case was dismissed."|"Each insurance company handles a driver's license suspension differently. In this case your insurance company feels that if your license was suspended, you are not the superior driver that you may have been considered previously.However, the insurance company cannot increase your premium during the policy term. They must wait for the renewal date to amend the premium. If they did this in the middle of the term, you should go back to them and have them remove the increase until your next renewal.You should talk to your agent, or find another agent or company who will not consider the suspension for the failure to appear as a chargeable incident. Many insurance companies ignore this type of suspension if you are not charged with the ticket. It is always best to shop around. However, if your have additonal tickets or accidents on your record you may not be able to switch insurance at this time."|"A few months ago i had my license suspended for a few weeks due to a failure to appear. Eventually my case for speeding and failure to appear charges were dismissed, resulting in 0 points and 0 fines. A few weeks later my auto insurance company (mercury) informs me that my premium goes up because i no longer qualify as a safe driver. Their reasoning was that even though I have 0 points, the temporary suspension on my record doesnt qualify me as a safe driver. The dmv and the court say they cant remove the record. Mercury seems to be using that as an excuse to raise my rate. What can i do?? TY"|"2012-04-14 11:55:23"|"91316"|"Encino"|"CA"|"https://insurance.freeadvice.com/insurance-questions/insurance-premium-goes-up-1047.htm" "2012-04-12 12:59:56"|"auto-insurance-qa"|"Should I file my claim with my insurance company or with the at-fault company. "|"In an auto accident involving bodily injury there are two ways you can approach the claim. The other insurance company will investigate and if the driver is determined to be at fault, they will work with you on the injuries and damages you incur. However, most insurance companies will not make a payment until the bodily injury bills are all submitted. They will not make partial payments, so the longer it takes you to recover, the longer it will take to settle the claim.If you have medical payments coverage under your auto insurance, you can file a claim under your policy. Your insurance company will make payments until the coverage runs out. This can help you if you continue to seek treatment and need assistance in paying your medical bills. When the claim settles and the other insurance company pays you for your injuries, you will be expected to reimburse your insurance company for the amount they paid."|"I have neck and back injuries requiring physical therapy, and could have future problems from the accident."|"2012-04-13 18:57:58"|"27215"|"Burlington"|"NC"|"https://insurance.freeadvice.com/insurance-questions/should-i-file-my-claim-wi-1045.htm" "2012-04-12 08:16:11"|"auto-insurance-qa"|"DRIVING A VEHICLE YOU DON'T OWN BUT DO HAVE INSURANCE TO DRIVE"|"Auto insurance follows the car. The named insured on the policy should be the registered owner. The policy can list additional drivers, and many allow permissive users to be covered in the event of an accident.If the car that was totaled and had collision insurance, the insurance company should agree to pay for the value of the car less its deductible. However, if the policy is in the name of someone who does not own the car, then they will most likely decline coverage since there was no insurable interest for the named insured for the car that was damaged. However, they should pay even though the named insured was not the driver unless it is a restricted policy.Just because you have insurance to drive, it does not mean your insurance will pay for the repairs to the car, since you don't own it. The only company which should respond is the insurance company covering the car, and the registered owner."|"VEHICLE WAS TOTALED INSURANCE COMPANY WANTS TO DENY CLAIM DUE TO INSURER DOESN'T OWN VEHICLE?"|"2012-04-13 18:52:36"|"70092"|"Hi Land"|"LA"|"https://insurance.freeadvice.com/insurance-questions/driving-a-vehicle-you-don-1043.htm" "2012-04-11 14:22:47"|"auto-insurance-qa"|"10 mph over limit will increase ins?"|"Each auto insurance company has their own rules as to the effect of accidents and tickets incurred by a driver. If you received a speeding ticket it will most likely result in a surcharge for the ticket, if you were convicted for the ticket.Some states allow you to attend traffic school for a ticket and it will be removed from your record. If you have that option you should take it and attend the traffic school and keep the ticket off of your record.Each insurance company determines the cost of the ticket on your insurance premium. You can ask your agent or insurance company for the effect on your premium. However, if you can erase this ticket from your record, if you receive another ticket, it will keep your insurance rates down, rather than having a second ticket on your record, since a second ticket would result in additional surcharges for having multiple tickets."|""|"2012-04-11 21:41:35"|"02472"|"East Watertown"|"MA"|"https://insurance.freeadvice.com/insurance-questions/10-mph-over-limit-will-in-1039.htm" "2012-04-11 10:29:08"|"auto-insurance-qa"|"Insurance Company not willing to reinstate my current policy (coverage/premium) after more than 30 days of cancellation - Root cause wasn't my fault."|"Your auto insurance policy should have an area which outlines how insurance policies are handled for non-payment of the insurance. Insurance companies send a notice of a past due premium giving you a certain number of days to pay. They then sena notice of cancellation. That usually adds up to 15-20 days. If the premium is not paid, the policy is cancelled for non payment of the premium. If the insurance company received a notice of change of mailing addres, the notices will be sent to the address provided. they are not required to confirm the address provided.some insurance companies allow a reinstatement, with lapse, upon payment of the premium. You are expected to know the due dates of your policy premium and a change made in error is not the responsibility of the insurance company. It is unlikely you will have coverage for the loss incurred while the policy was cancelled for non-payment."|"A Change of Address was filed by a relative of mine in error, causing my mail to go elsewhere. During that time, my insurance company sent me 3-4 invoices/bills to pay my quarterly payment otherwise policy will be cancelled. Since I was unware of the bills that I never got, I discover I have NO coverage due to non-payment/cancellation of my policy when I call in to open a claim. Now insurance company refuses to take any action even given my 5+ years of consistent payment with them. They do NOT have ANYTHING in writing regarding this 30 day policy of theirs, can I take legal action?"|"2012-04-11 21:35:55"|"75081"|"Richardson"|"TX"|"https://insurance.freeadvice.com/insurance-questions/insurance-company-not-wil-1038.htm" "2012-04-09 08:30:42"|"auto-insurance-qa"|"if my father cosigns a loan for me, can the car be under his insurance?"|"Auto insurance should be written in the name of the registered owner. If your father co-signed for the loan he may or may not be on the title. Each lender does this differently. Ask your lender if your father is on the title. If so he can do the insurance, but you should put your name on the insurance too. This provides you with additional protection and you have insurance if you are driving another car.By putting the car in your father's name you will probably get more discounts for the cost of the insurance including a loyalty discount, multi car discount and possibly a multi line discount. If the insurance is in your name, you may not get all of these discounts. Talk to your insurance agent to determine the savings for having the insurance in your father's name and if they have a problem with it. Again, if your father is on title, there should be no problem with putting it on his insurance."|""|"2012-04-10 11:22:37"|"06013"|"Burlington"|"CT"|"https://insurance.freeadvice.com/insurance-questions/if-my-father-cosigns-a-lo-1032.htm" "2012-04-07 12:34:45"|"auto-insurance-qa"|"Should I file a claim?"|"Since your son is a new driver, and just had an accident, your insurance rates could skyrocket with the report of the accident. Since it was a single car accident, you may decide it is less expensive to pay for the repairs of the fence post as well as your car. However, you buy insurance to protect you and pay for repairs, so make sure you make an educated decision.You should get an estimate for the damages to your car as well as the cost to repair the fence post. Your collision deductible will apply to the damages to the car, but not the fence post. Your liability/property damage coverage will pay for that in full. After you get the costs for the repairs, call your agent and ask what would happen to your insurance costs if you reported the claim. The additional costs will apply for at least 3 years, and sometimes longer, so take that into consideration."|"My 16 year old son had an accident the day after he got his license. He was the only person involved because he lost control and hit a fence post. We have collision coverage on his vehicle but considering the circumstances of his age and the fact it happened only 24 hrs after he got his license do I file a claim. I do not want his insurance to go up anymore than it already is. There was no accident report filed."|"2012-04-13 18:46:46"|"28601"|"Bethlehem"|"NC"|"https://insurance.freeadvice.com/insurance-questions/should-i-file-a-claim-1029.htm" "2012-04-06 18:07:32"|"auto-insurance-qa"|"Loaned car got hail damaged and insurance company won't pay."|"In most states, insurance follows the car. Since the dealer owns the car their insurance should cover the damages to their car due to the hail. There was no negligence on your part, since this was what insurance often refers to as an Act of God.If the dealer expected you to insure the car while driving it, they should have made this clear. You would then have needed to check with your insurance company to see if they would have covered the car. Since you are after the fact of the loss, you can still ask your insurance company about coverage but they may deny any liability.When a car is loaned out, either by a dealer or a neighbor or friend, the insurance remains on the car for the owner. While the dealer may want to have you pay for the repairs, they should go to their insurance company. After the damage is repaired, if the insurance company feels there was negligence they may ask you to pay for the damages. You could then contact your insurance company and let them discuss the issue with the other insurance company and see what happens."|"Dealer loans me a car for driving while mine is being repaired at their shop. Dealer's car got hail damaged while in my possession. Dealer claims my insurance. My insurance policy has only liability and they said they won't pay for the damage. What should I do?"|"2012-04-10 11:28:23"|"75074"|"Murphy"|"TX"|"https://insurance.freeadvice.com/insurance-questions/loaned-car-got-hail-damag-1028.htm" "2012-04-06 13:49:28"|"auto-insurance-qa"|" Would Auto insurance or home owners cover this damage?"|"When there is an auto accident, the party who caused the accident is the one responsible. Since you have full coverage on the first car, your insurance policy will pay for the damages, less your deductible. The second car, even though it was struck by your first car, would not be covered, since there is no collision coverage on it. You cannot file a claim from car #1 to pay for damages to car #2.Your homeowner insurance will not cover this accident either. Homeowner policies specifically exclude damages to automobiles. Autos are covered by auto insurance.You should be sure to file a police report for the damages. It seems there must be major damage to the driver of the other vehicle, so you may be able to track him down. If successful you could get your deductible back on car #1 and possibly get some coverage for the car that didn't have collision coverage."|"We had two of our vehicles parked in front of our home last night. In the middle of the night someone ran into our Vehicle 1(fully insured) and then Vehicle 1 hit our vehicle 2(liability only). We live on a one way and the cars were parked in front of our home but on the City Street. The person who hit the cars left the scene of the accident, so we have no recourse. Will the auto insurance on Vehicle 1 cover the damage to Vehicle 2? Would our home owners insurance cover any of the damages to the vehicles? "|"2012-04-13 18:41:38"|"59801"|"East Missoula"|"MT"|"https://insurance.freeadvice.com/insurance-questions/would-auto-insurance-or-h-1027.htm" "2012-04-04 15:38:54"|"auto-insurance-qa"|"should I go to court do I have a chance to win"|"talk to a lawyer"|"back in aug 2011 car ran red light hit me. went to hospital had pain in knee and knee cap would shift out of place. did eight weeks of therpy and two shots in the knee. Already had bad knees but accident made me have to do knee surgery earlier then I was prepare for I am asking for 25000 for bills lawyer fees and pain and suffering do I have a case should I take to court"|"2012-04-04 17:38:36"|"45036"|"Lebanon"|"OH"|"https://insurance.freeadvice.com/insurance-questions/should-i-go-to-court-do-i-1025.htm" "2012-04-04 15:03:33"|"auto-insurance-qa"|"The mechanic that works on my car get into an accident. Should the insurance of the mechanic or his shop take care of the claim? "|"In an auto accident, the insurance follows the car, so your auto insurance will pay for damages to any other vehicle and any injuries to other parties in the loss. If you have collision coverage, your policy will pay to repair your car less the deductible. After the claim is settled, your insurance company may try to recover the payments from the mechanic's business insurance. If they are successful, your deductible will be refunded.Since the mechanic is not a driver on your policy, your rates will not be affected. The mechanic's driving record will show the accident and his auto insurance rates could increase due to the accident.If your insurance company does not choose tos ubrogate against the mechanic, you could file a claim against his business policy for your deductible. You could also go to small claims court to try to get your deductible back, but hopefully your insurance company will subrogate."|"Allstate said that even I am not the driver in the accident, the insurance of the owner of the car which is me is the primary coverage, and the insurance of the mechanic is the secondary. Now, the claim is filed against my insurance. Should the insurance of the mechanic be the primary coverage? Will this leave a record on my insurance and my driving record? Will the insurance premium goes up?"|"2012-04-05 10:23:25"|"91773"|"San Dimas"|"CA"|"https://insurance.freeadvice.com/insurance-questions/the-mechanic-that-works-o-1024.htm" "2012-04-02 20:35:23"|"auto-insurance-qa"|"I was in a fender bender in CA with minor damage that was deamed to be the other persons fault, am I required to get my car fixed"|"If you were in an accident that was not your fault and the other person's insurance will be paying for the repairs, you may have the option of having the check payable to you instead of fixing the car. However, the insurance company may refuse to make the check payable to you and may require that the check be made out to the repair facility.If you do this, and do not repair the car, any future damage will be settled based on the condition of the car. If you have collision insurance on the car and your insurance policy is called upon to pay for future damage, the adjuster will be very diligent in not paying for the previous damages. It complicates the settlement and you may not have enough money to fix the car.It is always best to repair a car when damaged. It makes future claims much easier for all parties and, obviously, makes your car more valuable rather than driving around in a wrecked car."|" I am receiving a small settlement for a fender bender, am I required to get my car fixed with the setlle check my or is that mine do what I please."|"2012-04-03 09:59:59"|"93950"|"Del Monte Park"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-was-in-a-fender-bender--1021.htm" "2012-04-02 19:40:44"|"auto-insurance-qa"|"I rear ended someone at a yield, am I at fault?"|"If you rearended another party it is most likely going to be considered your fault. In most cases, the car in the rear is determined to be at fault since they did not keep a safe distance between themselves and the other car. Even if you feel the other car stopped or slowed for n reason, it is your responsibility to keep a safe distance. The insurance companies will investigate the accident and may refer to a police report if there was one. They will also take a statement from you and the other driver as well as any witnesses. They will then determine the fault and the responsible insurance company will pay for the damages. It is possible that there will be a percentage of fault put on each driver. If that is case, then the companies will pay based on those percentages.You should report this to your insurance company and let them do the investigation. They will keep in touch with you as to the settlement decision."|""|"2012-04-03 10:05:15"|"02740"|"New Bedford"|"MA"|"https://insurance.freeadvice.com/insurance-questions/i-rear-ended-someone-at-a-1018.htm" "2012-04-02 19:13:52"|"auto-insurance-qa"|"Protection against future damage claims?"|"If you backed into another car then your insurance policy would pay for the damages under your liability coverage. There is no deductible for this portion of the insurance. Your deductible applies to damages to your own car. You would have the $500 deductible applied to your damages and the insurance company will pay bhe difference to you.If the other party agrees to work out a deal, you have no promise that they will not try to come back for more money. You can ask for a signed release, but that may not work. It is best for you to report this to your insurance company and let them settle the claim on your behalf. If the damages are under a certain amount your rates may not be affected by this loss. Ask your insurance agent or company about this. This is why you buy insurance."|"Live in Texas and backed into somebody's car in a parking lot. Damage was @$700 and other party said he was willing to work out a deal without filing against my insurance. My deductible is $500 what protects me if he decides to file after I give him a check?"|"2012-04-03 10:09:31"|"76548"|"Harker Heights"|"TX"|"https://insurance.freeadvice.com/insurance-questions/protection-against-future-1017.htm" "2012-04-02 03:12:57"|"auto-insurance-qa"|"Stationary vehicle owned by one person, being worked on by auto repair person, car backed up to park close to vehicle, gently tapped front."|"The circumstances of this claim are multiple due to the fact the car was tapped by the other party, but the repair person didn't check for any problems before trying to start the car.If you have coverage on the car, you might want to file the claim with your insurance company. You will need to pay your deductible until the entire claim is settled, but it will be the fastest way to get your car fixed. The insurance company will then contact the insurance company for driver of the car that hit your car. They may also contact the repair person's insurance since they were partially responsible for the damages to your car. You can file a claim against the insurance company for the other driver, since it was the impact to your car that caused the screwdriver to fall, but they may not be will to accept aany responsibility o only a portion. Then you would have to go after the repair person's insurance. This work can be done by your insurance company and you won't have to get involved."|"Vehicle parked on a steep downslope in front of owners home being checked by auto co repairman attending to a 'dead battery' situation, working w/ the computerized panels inside, with the 'box space' open, the hood of the vehicle was up but nobody outside.Visitor backed up slowly to park his vehicle to get as close to the edge as road a 'dead end' and very narrow. He 'tapped' the stationary vehicle behind. No damage visible. Later repairman claimed that when he started the engine, circuit box shorted and blew caused by one of his tools on the edge falling in. Who pays?"|"2012-04-03 10:14:45"|"90212"|"Beverly Hills"|"CA"|"https://insurance.freeadvice.com/insurance-questions/stationary-vehicle-owned--1016.htm" "2012-04-01 22:40:02"|"auto-insurance-qa"|"accident claim refused by co."|"It does not make sense that the insurance company accepted responsibility for the damages to your car and then changed their mind. It may be that the other driver made a statement that indicated there was partial responsibility on your part. You can call the insurance company and ask whey they changed their determination of fault. If they will not tell you, ask for a supervisor and see if you can get any additional information from them.There really is no reason to sue the driver of the car. His insurance has made a determination of fault and he is not involved. Of course, you can try small claims court for the damages, but it may be easier to settle this in another way.You can contact your insurance company and see if they will settle the damages for your car, less the deductible, and then they will try to subrogate against the other insurance company. If they are successful you will get your deductible back. However, it may end up in arbitration and you may only get a portion of your deductible back."|"accident in parking lot. No police came. The ot'her driver stated it was his fault, he was not watchin, there are witnesses, he was looking down while I was pulling out. he hit rear quarter panel. He called his ins. co. and explained it was his fault. they got on the phone with me and said they would take care of damages to my car because he accepted liability. I got a "authorized settlement" from them via e-mail totalling the car , 2 days later, they denied the claim, saying it was a 50/50 fault, they're driver not legally liable. Do I sue the driver now?? or still go after ins. co? "|"2012-04-03 10:22:24"|"80123"|"Bow Mar"|"CO"|"https://insurance.freeadvice.com/insurance-questions/accident-claim-refused-by-1015.htm" "2012-04-01 08:29:24"|"auto-insurance-qa"|"I just got into an automobile accident w/my pickup 1/2 ton , and I'm wondering how does it work with a Total Loss and still being financed."|"If your truck is totaled in an accident and there is a loan on the truck, the insurance settlement check will be made out to you and the bank, presuming they are listed on the policy. If you have gap coverage on the insurance policy then they will pay the full amount you owe on the truck. There may also be a clause in the loan that will accept a total settlment as payoff for the loan. You need to check with your insurance company and lender to see if either one applies.If not, you will get the actual cash value of the truck, which may not be enough to pay off the loan. If a vehicle is damaged early in the loan program it may have depreciated more than the loan amount has. If you do not get enough to pay off the truck you may be able to work something out with the lender to transfer that amount to a new vehicle. If you have paid on time and have a good record with them, they may be willing to work with you."|"I recently was in an accident , My fault . I have Full coverage and I was making payments, I had only made 6 payments and they said the truck was a Total Loss. How does that work with me still owing on the vehicle, I am Disability and need a vehicle , will I be receiving the payoff for the loss of my truck and I can use this to purchase another vehicle or what happens with the payoff. Also what would happen if I did receive the payoff and then filied bk. Will I be sued???? "|"2012-04-03 10:27:26"|"92881"|"Corona"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-just-got-into-an-automo-1013.htm" "2012-03-31 16:21:39"|"auto-insurance-qa"|"What is my responsibility if my insurance doesn't pay in an accident on private property?"|"If you were simply driving to work and had a collision in the driveway or parking lot of your job then this would not be business use and the insurance company should accept your claim. If the accident was the fault of the other driver, then you should file a claim against his insurance and see if they will accept liability. If the other driver denies it was his fault, it may be difficult to get them to pay your claim.If you are using your car for business, you need to notify the insurance company. They will charge a higher rate for this use, but then you are covered for accidents while using the car for business. Business use is a wide range of uses, but there are limits on the personal policy if you use it for deliveries or carry people for hire. Make sure you have told your insurance company what the use of the car really is."|"I had another driver collide with me in the drive where we both work. My insurance said I have an exclusion clause that says it won't pay anything if the car was used for business purposes.. What are my options and responsibility?i haven't heard anything from his insuance or the state, as yet."|"2012-04-05 10:28:21"|"42101"|"Bowling Green"|"KY"|"https://insurance.freeadvice.com/insurance-questions/what-is-my-responsibility-1011.htm" "2012-03-29 22:42:02"|"auto-insurance-qa"|"Letting an uninsured person drive your car?"|"Even if your brother in law is not insured and he drives your car, the insurance follows the car, so your insurance would pay for damages to the other party, if your brother in law was at fault. Since you only have liability insurance, there is no coverage for damages to your car. However, if the other party was at fault, then you can file a claim against them for the damages to your car.Most insurance policies cover for unlisted drivers unless your policy is a named driver policy. You should ask your insurance agent or company to see if it is a restricted policy. If not, there is no problem in settling the claim.Since your brother in law was driving the car he can't sue you unless your car was faulty and you were aware of it. He has no standing to sue you. If he chooses to sue the other driver then he must prove that the other party was at fault for the accident. "|"I let my bro-in-law barrow my car and he crashed it. I only have liability and his planning on suing the other partys insurance. Can my insurance be harmed if hes not a driver in my policy? Can he sue me since his not a covered driver? "|"2012-03-31 12:42:45"|"06114"|"Barry Square"|"CT"|"https://insurance.freeadvice.com/insurance-questions/letting-an-uninsured-pers-1010.htm" "2012-03-29 18:31:55"|"auto-insurance-qa"|"My DUI was dropped to a Neg2, which one do I put down when getting insurance? "|"When you are purchasing car insurance you should indicate what ticket you have on your record. the insurance company can obtain a copy of your records to confirm your tickets and accidents, so be sure to include everything you know of.In the case where your ticket was reduced to a negligent driving from an DUI, you should show what the final conviction was, which in this case is negiligent driving. The insurance company will probably be able to determine what the original charge was, but they can only charge you for the conviction you received. They may ask for more details, which you should provide, but make sure they do not try to increase the charge to the DUI since that was not what you were convicted of.You might want to talk to an insurance agent who can help direct you to the better insurance company for the driving record you have. Don't get a single quote, since there are variations in costs among the insurance companies."|""|"2012-03-31 09:56:08"|"98604"|"Battle Ground"|"WA"|"https://insurance.freeadvice.com/insurance-questions/my-dui-was-dropped-to-a-n-1009.htm" "2012-03-29 16:05:38"|"auto-insurance-qa"|"I was hit by a car while riding my bicycle, how do I get his insurance to cover the damage?"|"Usually a police report in an accident is obtained by the insurance company. In your case, since you were on a bicycle and do not have auto insurance, you will need to get the insurance company information for the driver so you can file a claim.You should call the police department which filed the report and explain you need the insurance information for the driver of the car. Explain that you do not have auto insurance, so you cannot get an insurance company to obtain this information. The police should be willing to provide this information to you.You could also call the driver of the car and ask him for his insurance information. He is probably aware to you will be filing a claim, so he should be willing to provide this information to you. If he is unwilling, continue to follow up with the police for the insurance information explaining the driver will not give you the information."|"While I was riding my bike, I was hit by a car (I was not at fault). My bike is broken now and I had to go to the hospital. The police accident report does not provide the driver's insurance information, instead they told me to send it to my insurance company. The only insurance I have is health insurance (I am a college student), but why would my health insurance care about getting him to pay for the damage to my bike? I want his insurance to pay both for my hospital bill and the damage to my bike. How should I do this if I do not have is insurance company's information?"|"2012-03-31 10:01:39"|"11226"|"Brooklyn"|"NY"|"https://insurance.freeadvice.com/insurance-questions/i-was-hit-by-a-car-while--1007.htm" "2012-03-29 15:34:08"|"auto-insurance-qa"|" Is State Farm liable for the damages in my garage?"|"If there is a fire in your garage, even if caused by a motorcycle electrical system, the homeowner insurance should pay for the fire damages to the home and garage less your deductible.The homeowner insurance will not pay for the damages to the motorcycle due to the fire. That will be a separate claim under your motorcycle insurance. You will need to have comprehensive coverage on the motorcycle to collect and there will be a separate deductible for that claim.Homeowner insurance specifically excludes damages to vehicles even if they are in the garage of the home. However, the fire, even though caused by the vehicle, is a covered peril on the homeowner policy.If you do not have comprehensive coverage on the motorcycle you will not have any insurance coverage for the fire damage to the bike. Hopefully you do have the coverage so you can be reimbursed for that loss as well as to your garage."|"I have State Farm for motorcycle insurance. My motorcycle caught fire in my garage while being stored. The fire inspector determined that it was the motorcycles electrical that caught fire. There was damage to my garage and items within it. Is State Farm liable for those damages?"|"2012-03-31 10:07:51"|"04743"|"Fort Kent"|"ME"|"https://insurance.freeadvice.com/insurance-questions/is-state-farm-liable-for--1006.htm" "2012-03-28 16:47:34"|"auto-insurance-qa"|"If I let someone borrow my car and I know he had been drinking and he has an accident, can I be sued, since I let him use the car"|"You should never let anyone borrow your car if you knew they had been drinking. However, if he caused an accident, then your insurance will be responsible for damages to the other party This could be different if you are in a no-fault state. If so, you need to talk to your agent or insurance company to see how they will handle the accident.If your insurance is required to pay for the damages and injuries to the other party, and the limits are exhausted due to the amount of injuries and damages, you can be held personally responsible for any amount over your limits. Your friend who was driving may also have a legal responsibility for the damages and injuries to the other party, since he was the driver.Again, if you knew the other driver had been drinking and you still let him drive, you could have a problem with the police for allowing him to use your car."|"If someone borrows my car and has been drinking and has an accident and someone is killed or injured, can I as the owner be sued if my insurance is less than the law suit?"|"2012-03-31 12:47:34"|"34295"|"Englewood"|"FL"|"https://insurance.freeadvice.com/insurance-questions/if-i-let-someone-borrow-m-1001.htm" "2012-03-27 13:39:26"|"auto-insurance-qa"|"Am I required by law to pay my medical bills with the money paid to me by the insurance company?"|"If the insurance company is reimbursing you for medical payments, you are still responsible for the debts you incurred from the hospital or doctors who treated you. You may be able to ask the insurance company to pay the hospital or doctors directly, but usually the insurance company is going to reimburse you, since yiou submitted the bills to them for the amounts due your medical providers.You ask if you are required by law to pay these bills. This is an insurance website, so we can only respond to what the insurance is intended to pay. I can't imagine why an attorney would tell you that you are not required to reimburse your medical providers since you were paid for your expenses for the medical expenses you incurred from the accident. If you have not paid your doctor and or hospital for the services provided it seems odd that you would not feel you were responsible to pay for the services they provided."|"I was in an auto accident and the other insurance company paid repairs to my car. Now they are sending a check in my name to cover medical costs. Am I required by law to pay the bills?"|"2012-03-27 21:44:34"|"46217"|"Indianapolis"|"IN"|"https://insurance.freeadvice.com/insurance-questions/am-i-required-by-law-to-p-999.htm" "2012-03-27 11:45:59"|"auto-insurance-qa"|"In Texas, for the purpose of future insurance rates, will the non-fault accident raise rates and does it make a difference based on who we go with?"|"If you are involved in an accident that is determined not to be your fault, there is no effect on your insurance rates. You have the option of going through the other insurance company and there is no deductible involved in the settlement. If you choose to go through your insurance company they will settle the claim as they determine it to be and they will then subrogate against the other insurance company for full settlement. If they are successful in the settlement, then they will reimburse you for your deductible.Even though each insurance company has settled using a different amount of payment they will make, if they agree to an amount you will receive your full deductible. If they have to arbitrate on the amount to settle upon, then you will get the percentage that your insurance company receives as settlement for the claim. It is often easier to work with your insurance company and let them work with the other insurance company for a settlement amount."|"My husband got into a car accident where it was not his fault. The cops sighted the other guy with a citation and deemed him to be at fault. Both insurace companies have deemed the car totaled, with the opposing company accepting fault. Now they offered a $8,000 settlement and my insurance company has offered $9,900. My insurance company said if we go with them, they will subrogate the claim with the other company to try to get their money back. For the purpose of future insurance rates, will the non-fault accident raise rates and does it make a difference based on who we go with?"|"2012-03-27 21:52:47"|"76209"|"Denton"|"TX"|"https://insurance.freeadvice.com/insurance-questions/in-texas-for-the-purpose--998.htm" "2012-03-27 11:24:10"|"auto-insurance-qa"|"Stolen items from vehicle?"|"If you are a student away at school but still a resident of your parent's household you would be covered for losses in the auto and for personal property. The deductible your parents have on their homeowner policy will apply to your loss. The auto insurance will only pay for the damages to the car, the homeowner insurance will pay for lost or stolen items from the car.If your parents file a claim for your personal property the claim could affect their rates as homeowner policies usually give a claim free discount. Make sure that the amount that you can collect for your personal items is high enough to warrant the possible loss of the claim free discount.If you live on your own then your loss probably will not be covered by your parent's insurance. It makes no difference who owns the car. You should have renters insurance for your personal property and then you would be covered."|"The vehicle I drive is in my parent's name; it was broken into this past weekend-I live in a different city where I go to school; the car was parked on the street, but still outside my rental house; does my parent's homeowner's insurance cover the stolen property (laptop,e tc) since the car is in their name?"|"2012-04-05 10:33:17"|"65340"|"Marshall"|"MO"|"https://insurance.freeadvice.com/insurance-questions/stolen-items-from-vehicle-997.htm" "2012-03-26 23:13:53"|"auto-insurance-qa"|"Crazy guy deystroies girlfriends car and cops say its her fault."|"this is not an insurance question"|"So my girlfriend and a couple of friends are dropping this mans daughter off at her house and he freaks out jumping on her car hood deystroying alot of the car costing alot of damage. The cops come and say they will take her licences away if she tries pressing charges or anything because it was "reckless driving". Can this actually happen?"|"2012-03-27 09:15:29"|"50501"|"Clayworks"|"IA"|"https://insurance.freeadvice.com/insurance-questions/crazy-guy-deystroies-girl-994.htm" "2012-03-26 20:44:20"|"auto-insurance-qa"|"my 16 year old son still has his restricted license and will not be getting his regular license for 4-5 months. My insurance co.(allstate) already "|"If your son has a valid license, and not just a permit, then he should be added to your auto insurance. A restricted license usually means the driver cannot drive at certain times of day, cannot have passengers and similar restrictions. This is still a valid driver's license.Your insurance company has the right to charge the correct premium for the exposures in the household. This includes the right to charge for a youthful operator in the household. You can help keep the costs down through discounts such as a good student discount (if he qualifies with a 3.0 average or better) and some insurance companies offer other discounts if the young driver watches a video aimed at teaching the drivers not to engage in dangerous driving. Also, you can assign your son to the least expensive car in the household. If one of the cars is older and there is not collision coverage, that would be the better car to assign your son to. Also, if there are more drivers than cars, he would be considered an occasional driver and not a principal operator."|"Put him on our policy citing state law. Is it true we have to pay for his insurance even though he is not driving yet. "|"2012-03-27 09:20:20"|"34734"|"Gotha"|"FL"|"https://insurance.freeadvice.com/insurance-questions/my-16-year-old-son-still--993.htm" "2012-03-26 15:03:05"|"auto-insurance-qa"|"my cousin is giving me her old car but the title is going to stay in her name can i put insurance on her car in my name"|"Insurance should be written in the name of the titled owner. If you are not going to have the car titled to you, then your cousin will need to continue the insurance on the car. You should be listed as the principal operator of the car and your driving record and driving experiencce will determine the rates the insurance company will charge. You should also discuss the insurance coverages to be purchased for the car. While your cousin needs to protect her assets with proper liability limits, you may decide that collision coverage is not needed if the car's value is low due to its age and condition. It does not matter who pays for the insurance. Even if the policy is in your cousin's name, you can pay the premium. Simply ask the insurance company to send the billing to you, or have your cousin send you the bill when she gets it."|""|"2012-03-27 09:25:35"|"28352"|"East Laurinburg"|"NC"|"https://insurance.freeadvice.com/insurance-questions/my-cousin-is-giving-me-he-992.htm" "2012-03-26 12:17:50"|"auto-insurance-qa"|"if you buy a newly aquired vehecle and get into an accident will your full covrege insuarace cover it and how long do you have to file a claim"|"Each insurance company has its own rules as to newly acquired cars. Most allow 10-20 days to report the purchase of a new or additional car. You should ask your insurance agent how much time you have, or review the insurance policy.Replacement and additional cars are automatically covered for the same coverages as the existing car. If you have multiple cars, the car with the broadest coverage would apply to a newly acquired car. If none of the cars you own have comprehensive and collision then the new car will not be covered for that until you call the insurance company and report the new car and ask for those coverages.If you are involved in an accident with the new car, it would be covered if it is within the time frame you have for the automatic coverage. If not, the insurance company can deny coverage.You should always contact your insurance agent or company as soon as possible if you obtain a new car to avoid any question of coverage in the event of an accident or loss."|"how long do you have to file a claim so you will be covered "|"2012-03-27 09:30:18"|"33183"|"Kendall"|"FL"|"https://insurance.freeadvice.com/insurance-questions/if-you-buy-a-newly-aquire-991.htm" "2012-03-24 12:41:00"|"auto-insurance-qa"|"Will insurance pay me for lost trade in value of my repaired vehicle?"|"Since each state is different in the handling of auto insurance claims and the issue of diminished value, you need to read your contract and talk to your agent or insurance company. There should be some reference to diminished value if it is an acceptable part of the claim.Many states do not allow for diminished value as a part of the claim. The damage to the car is determined and if the car's actual cash value is higher than the amount it will cost to repair it then they will pay to repair it. If it is a total loss, they will pay the current value of the car based on condition, mileage and any other factors that may come into play.Damaged cars are reduced in value when used as a trade in or sold to another party. With the ability to determine if a car has been repaired due to an accident, this can affect the value of the car. However, if it was properly repaired, the reduced value should be minimal and not adversely affect the resale value of the car."|"2010 Kia Sole, 18,000 miles. Value of $17,000 before damage. Repair estimate $9,333Other driver at fault. has insurance. I understand that a dealership will reduce the trade-1nvalue by 15% to 20% depending on the collision repair. "|"2012-03-25 13:01:37"|"44663"|"New Philadelphia"|"OH"|"https://insurance.freeadvice.com/insurance-questions/will-insurance-pay-me-for-988.htm" "2012-03-23 12:19:54"|"auto-insurance-qa"|"Can I file an insurance claim for a dui hit and run with just a police report and the license plate number of the person who hit me?"|"When you are involved in an accident, and can or cannot identify the other party, you should file a police report regarding the claim. Since you knew the other party had been drinking, you should have filed the report even though the police came much later. They probably already have a record of the incident on file. You should call them and complete the report of the incident.After doing this, call your insurance agent or company to report the claim. Tell them you have reported the accident to the police. The insurance company, with the help of the police can probably locate the owner of the vehicle based on the license plate number. The insurance company will then work with you to arrange to repair your car, less your deductible. If they are able to find the other party and can subrogate for the damages to your car, they will refund your deductible. You may have to explain why you waited so long to report the incident. "|"The person old neighbor that hit me ran after I wrote down the plates so I called 911 and made the dui report but the police didn't get there until 8 hours later. By that time I wasn't home. So the day after the guy hit me ,he came back to speak to me. He said he was drunk and didn't know what to do, he said he would pay me and he gave me half of what it would cost and the other half in a week. It's been 2 and a half months and he changed his phone number and he moved out a week after the accident. Is there anyway I can file an insurance claim to get my car fixed just w/just the plate #?"|"2012-03-25 13:07:26"|"90044"|"Los Angeles"|"CA"|"https://insurance.freeadvice.com/insurance-questions/can-i-file-an-insurance-c-986.htm" "2012-03-23 11:24:33"|"auto-insurance-qa"|"my father and niece have a car loan together..so since both names are on title doesnt both names need to be on insurance policy"|"If two people are on title to a car it is best to put the policy in both names rather than just one. Married couples do not both have to be listed unless they live in separate households. However, even a father daughter ownership should name both as insureds. While you can insure with just one named insured, and list the other owner as an operator of the car, there is really no benefit to doing it that way.If a driver is only listed on the policy as an operator, they do not get all of the benefits of the insurance policy as they might if they are a named insured. Coverage for driving other cars is much more limited if you are only a listed driver on the policy. If the driver listed has a questionable driving record, it really does not matter as their record will affect the premium whether they are shown as a driver or named insured."|"my father purchased a car and both his name and my nieces name are on the title so i was told that if both names are on title then both names have to be on insurance policy..then i was also told that since his name appears first on loan that he only has to carry her as a rider..who is correct"|"2012-03-25 13:12:36"|"18466"|"Coolbaugh Township"|"PA"|"https://insurance.freeadvice.com/insurance-questions/my-father-and-niece-have--984.htm" "2012-03-23 02:22:32"|"auto-insurance-qa"|"if I scrap a pole with my truck because a car was partly in my lane whose fault is it"|"If you scrape a pole with your vehicle and feel it was caused by another party, hopefully you obtained information on the other party including their name, the car they were driving and their insurance company.If you have no information on the other party, your insurance company will most likely consider the accident to be your fault since there is no evidence of another party being involved in the incident. It is possible they will not increase your rates for the accident, but you will be responsible for the deductible before your car is repaired.If you have information on the other party, you can report the incident to your insurance company. They will investigate the claim and if they determine the other party was responsible, and are successful in obtaining reimbursement from the other party or their insurance company then your deductible will be refunded. However, if there is no evidence of a collision between you and the other party, you may have to pay your deductible."|""|"2012-03-25 13:18:06"|"80910"|"Colorado Springs"|"CO"|"https://insurance.freeadvice.com/insurance-questions/if-i-scrap-a-pole-with-my-983.htm" "2012-03-22 14:46:06"|"auto-insurance-qa"|"My car was totaled by a distracted driver. It broke my driver's seat. I am ok, but am ready to settle all my xrays, etc with the insurance company."|"Your health insurance carrier may want to be reimbursed for what they paid out if you are able to recover all expenses for your injuries due to the accident. You need to discuss this with your health insurance carrier so you know where the funds will go when the claim is settled by the other insurance company. The other insurance company will obviously pay for your out of pocket expenses along with reimbursement for any medical payments that you are held to be responsible for. They will most likely offer an additional amount for your pain and inconvenience, though this is not a certain deal.Any settlement of the claim will be handled by the insurance company for the other driver, unless you are going through your insurance company and letting them subrogate to the other insurance company. In either event, you have no reason to obtain the cell phone records for the other party and most likely would be unable to obtain them on your own."|"I paid all of the xrays and exams with my work insurance. Do I need to collect the full amount of the bill from their insurance company? Should I get his cell phone records? He hit me at 70 miles per hour and I was sitting in traffic."|"2012-03-25 13:23:12"|"65049"|"Four Seasons"|"MO"|"https://insurance.freeadvice.com/insurance-questions/my-car-was-totaled-by-a-d-981.htm" "2012-03-22 13:06:26"|"auto-insurance-qa"|"Sunglare - defense?"|"If you are driving and unable to see in front of you, you should not continue moving forward, no matter how fast, or slowly, you are going. Sunglare is very difficult to see through and you could have struck a pedestrian since you did not know if the light was red or green. Failure to stop because you were worried about the cars behind you is also not much of a defense, since they are expected to keep a safe distance between themselves and you in case you must stop abruptly.The insurance companies for you and the other party will investigate the incident. It is possible that it could be a 50/50 accident since you were in the middle of the intersection when the collision occurred. The other party has a responsibility to be sure the intersection is clear before entering it. If there were witnesses for either party could have an effect on the outcome of the accident and the settlement."|"Hi,I was driving east bound at approx. 7 am. on March 20, 2012. The first day of spring, equanox. I was coming up to a stop light and did see from the angle I was at that it was green. FYI, speed limit was 45 miles an hour and I was on Main st. All of a sudden I was blinded by the sun. I could not stop because I did not know who was behind me and had to focus on what was going on in front of me. I slowed down at least 10 mph. My son was with me and I asked him if he could see the lt., he could not. I wound up getting hit in middle of intersection. Is sunglare a defense?"|"2012-03-25 13:29:15"|"92021"|"Bostonia"|"CA"|"https://insurance.freeadvice.com/insurance-questions/sunglare-defense-980.htm" "2012-03-21 20:59:05"|"auto-insurance-qa"|"Who's at fault? And why is my insurance doing 50/50 both parties negligence"|"Parking lot accidents are difficult to resolve since there are usually very few witnesses and both parties have their own version of the incident. You should report the accident to your insurance company and give them your statement as to what happened. The adjuster will investigate the claim, look at the damages of each car and try to determine fault. When you are backing out of a parking space, you are always held to a higher standard to be sure it is clear to make the move to come out. While it appears that you did this, the other person is going to give her version of the accident. However, the damages that are probably done to each car should support your claim. In spite of this, there could be a consideration of partial fault, although it may not be 50/50. Leave it up to your insurance company to try to settle this."|"I was in a parking lot parked in a one way aisle as I was getting ready to back out I saw a car coming on my left side she passed my vehicle I then began to reverse I did look both ways before actually backing out my car she was 4-5 parking spaces up from me then all of a sudden she threw her car in reverse and began going backwards down a one way I started to honk my horn throw my car in drive to avoid hitting my car. I did call the police and he did state she was in the wrong. She has tried to file a claim with insurance and there telling me that this is going to b a 50/50 both parties negli"|"2012-03-22 18:21:09"|"30060"|"Atlanta Naval Air Station"|"GA"|"https://insurance.freeadvice.com/insurance-questions/who-s-at-fault-and-why-is-978.htm" "2012-03-21 15:19:45"|"auto-insurance-qa"|"insurance"|"Insurance for a car is intended to be purchased in the state where the car is registered. While your California car is insured while being used in Florida, the car you intend to keep in Florida should be insured there.Each state has different laws regarding liability limits and some states are no-fault states. That is why it is best to insure the car where it is kept. Also, rates vary significantly and you may find it cheaper to insure the car in Florida.Your California agent may be able to refer you to an agent in Florida to help you arrange the correct insurance for your needs. You should try to keep the liability limits the same, or similar, just to avoid any confusion for you. In addition, you may qualify for a multi-car discount if you insure both cars with the same insurance company, even though the cars are insured in different states."|"if i live in california with cal.insurance and buying a car in florida and registering it in florida because i have a house there also does the california insurance still cover florida also ? "|"2012-03-22 10:28:52"|"91502"|"Burbank"|"CA"|"https://insurance.freeadvice.com/insurance-questions/insurance-976.htm" "2012-03-21 13:14:04"|"auto-insurance-qa"|"truck was broken into and personal property was stolen and insurance company says personal property is not covered. is this true?"|"Automobile insurance covers the car and equipment that is permanently installed in the vehicle. Some policies also will add coverage for aftermarket equipment installed in the car, even if it is not permanently installed. Unfortunately, many people do not understand that personal property in the car is not covered by the auto insurance. That is why it is always best not to leave any personal property in the car while it is unoccupied. If you must, be sure to put it in a trunk or hidden somewhere in the vehicle.If you car is broken into and personal property is stolen, then your homeowner or renters insurance will cover that property, subject to the deductible for that homeowner or renters insurance. You should contact your homeowner insurance agent to file a claim if the property taken was more than the deductible on your policy. However, you could lose a claim free discount, so make sure you will get enough of a settlement for the property stolen to offset the loss of the claim free discount."|""|"2012-03-22 10:34:07"|"76904"|"San Angelo"|"TX"|"https://insurance.freeadvice.com/insurance-questions/truck-was-broken-into-and-975.htm" "2012-03-20 16:19:06"|"auto-insurance-qa"|"If you get a DWI and want to get car insurance issued in your name, does your name have to be on the title of the vehicle as owner?"|"Insurance for a car should be written in the name of the registered owner. Anyone can be added as a driver of that vehicle, but the driving record for the primary driver will have an effect on the cost of the insurance policy.In your case, you should have the insurance in the name of your grandson's mother. You can pay for the insurance if you wish. You will also need to list the grandson as a driver and the rates will be affected by his DWI. Contact the insurance company to be sure they are willing to write the insurance with your grandson as a driver. Many insurance companies will not write insurance on anyone who has a DWI. You may have to find a specialty insurance company to write this insurance, but your insurance agent or company should be able to help you find insurance for the car and driver."|"My grandson got a DUI. I have him listed on my insurance as a driver. The vehicle title is in his mom's name. "|"2012-03-22 10:38:34"|"87701"|"Las Vegas"|"NM"|"https://insurance.freeadvice.com/insurance-questions/if-you-get-a-dwi-and-want-972.htm" "2012-03-19 15:04:48"|"auto-insurance-qa"|"Should I change auto and homeowners insurance from USAA to Travelers? Is Travelers' customer service as efficient as USAA's customer service?"|"this is a personal decision. we don't make determinations on insurance companies."|"I have had auto and property insurance with USAA for 30 years, but Travelers has quoted a combined annual savings of about $800. Would it be advisiable for me to change?"|"2012-03-27 21:55:12"|"37914"|"Knoxville"|"TN"|"https://insurance.freeadvice.com/insurance-questions/should-i-change-auto-and--968.htm" "2012-03-19 10:08:12"|"auto-insurance-qa"|"I question my coverage , I asked my daughter 16yr old "licensed" to back up resulting in an accident we had not yet added her to our policy? "|"Even though your daughter was not listed as a driver on your policy, she should be covered for the damages to the other car. This is presuming that your insurance policy is not with a named driver company, which only covers the drivers named on the policy. This is not a standard policy, so most likely you will not have a problem.Call your agent and explain your daughter is only recently licensed, and you had not yet called to add her to the policy. Then explain there was an accident with her driving and that you want to report it. Your agent can confirm that your policy is not limited so the claim should go smoothly.Be aware that your daughter will be charged for the accident, if it is over the threshold as outlined in your insurance policy. This threshold is between $750 and $1,000 depending upon the insurance company. If the damages are over the threshold, then she would be charged for the accident and her rates will be affected. Get her added as soon as possible so you can delay any surcharge until the next renewal date of your insurance policy."|"Daughter just licensed one month prior. No passengers in car she hit. She backs the car up at my request because I could not get into my car because I could not fit, as the car was too close to my car. She had jumped over the counsel into the drivers seat. Dose it sound like she will be covered? Or will I be covered because the fault was mine as I asked her and was guiding the car out. Will she have this on her driving record and how will it affect our insurance rates, and for how long? My daughter was not listed in the household until after the accident at my insurance agents request. "|"2012-03-21 10:01:55"|"90501"|"Torrance"|"CA"|"https://insurance.freeadvice.com/insurance-questions/i-question-my-coverage-i--966.htm" "2012-03-18 16:50:50"|"auto-insurance-qa"|"Should I go through at-fault party's insurance or mine?"|"If you have an auto accident, and it is not your fault, you can go through your insurance company for the repairs and then your insurance company will subrogate against the other party's insurance for the amounts paid out. However, your deductible will apply until your insurance company gets reimbursement for the amount paid.By going through the other party's insurance, then any payments will be for the full amount due you for the damages to your car, so you are not out your deductible. In addition, you might be entitled to a rental car while the insurance company is determining the settlement amount. If you don't have rental reimbursment on your insurance, you would have to pay for this out of pocket until everything is settled.Sometimes the other insurance company will not be as fast in responding to the claim and settlement, so there is the convenience factor of using your own insurance company. You might start with the other insurance company and if they are not cooperating, go to your insurance company to get things moving. "|"I was in an auto accident where the other person lost control of their car and came across the double-yellow line and hit the front of my car and totaled it. We are both insured. Should I go through her insurance company or mine? Is there a difference?"|"2012-03-21 09:56:32"|"91601"|"North Hollywood"|"CA"|"https://insurance.freeadvice.com/insurance-questions/should-i-go-through-at-fa-965.htm" "2012-03-18 16:17:23"|"auto-insurance-qa"|"What settlement am I obligated to take when figuring personal damages for a final settlement, the $4000 figure or the actual cost to repair $6,600?"|"When a car is totaled in an accident, the insurance company will generally only pay for repairs if they are less than the current actual cash value of the car. The value of the car can be determined by the Blue Book or similar book or through local sales and values of a similar car. You can argue the value being offered by the insurance company, but the burden of proof is on you to show the car was worth more than the insurance company is offering. You can use internet ads, but they must be from the area in which you live, and not an ad from an area far away. There is no guarantee that they will be willing to pay the higher amount.The medical payments claims for the parties in the car have no effect on the settlment for the car, so those claims would be handled separately and often by a different insurance adjuster. Most insurance companies use different adjusters since the area of expertise can vary widely depending upon the type of claim."|"My car was totaled. Drunk Driver rear-ended us going 40+mph. 6 passengers in my car. I was going less than 2 MPH. 2000 Cadillac Deville. Estimate over $6,600.00 to repair the Cadillac. Estimated car worth by the book is less than $4,000.00. This car is in excellent condition but has high miles at 191,000. They want to give me a check for $4,000.00 and call it good for the car. There are over $15,000.00 in medical bills to date (ambulance, pregnant mother, 2 year old, grandma and grandpa with injuries.."|"2012-03-22 10:44:36"|"52240"|"Iowa City"|"IA"|"https://insurance.freeadvice.com/insurance-questions/what-settlement-am-i-obli-964.htm" "2012-03-18 11:44:47"|"auto-insurance-qa"|"Can I purchase car insurance if I don't own a vehicle?"|"It is possible to purchase car insurance even if you don't own a car. The policy is called a non-owned auto policy. Not every insurance company offers this, but many do, especially for people with bad driving records, since they often cannot own a car.The policy is rated based on your driving record and where you live along with other factors. You can choose the amount of liability insurance that you want.Another option is to buy insurance from the rental car company. While it is not cheap, and based on the number of days you are renting the car, you may find it cheaper than keeping a policy in force when you are not driving.There are also companies like "Zip Cars" that rent cars to members and the cost of the rental includes liability insurance. You must purchase a membership in order to use the car and you must reserve it ahead of time. However, it is another inexpensive way to get insurance when you don't own a car."|"I don't own a car, but I plan on renting a car now and then in the future. Should I purchase my own car insurance? "|"2012-03-18 12:36:46"|"32773"|"Sanford"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-i-purchase-car-insura-963.htm" "2012-03-17 15:00:09"|"auto-insurance-qa"|"Can insurance companies pull up cell phone internet usage? I know they can pull up text and calls "|"not an insurance question."|""|"2012-03-27 21:54:30"|"34461"|"Lecanto"|"FL"|"https://insurance.freeadvice.com/insurance-questions/can-insurance-companies-p-962.htm" "2012-03-17 12:38:22"|"auto-insurance-qa"|"Does my auto insurance fix a leased car?"|"When you lease a car a part of the contract specifies that you must purchase insurance on the car and name the leasing company as an additional insured. This is very standard throughout the insurance and leasing company industries.Usually the leasing company will contact your insurance agent or company to confirm there is proper insurance on the car. Certain limits of liability are required along with physical damage coverage (comprehensive and collision) with maximum deductibles outlined. However, the leasing company is not required to follow up on this. It is your responsibility.When you changed your insurance to the new car, the agent or company should have asked if there was a lease or loan, but again, it is not their responsibility. YOU signed the lease so it falls back on you. Based on this, you are responsible to the leasing company for the damages to the car or its value if it was totaled."|"I leased a car about a year ago, but never changed my auto insurance over until two monthes after I got the car. I dealership never said anything to me and I never thought twice about it. The car was stolen and wrecked. I only had basic insurance. My insurance doesn't want to pay it. Was it their responsability to make sure I had the right coverage before I left the lot with the car. Who pays for this"|"2012-03-18 12:42:31"|"17603"|"Lancaster"|"PA"|"https://insurance.freeadvice.com/insurance-questions/does-my-auto-insurance-fi-961.htm" "2012-03-16 13:45:38"|"auto-insurance-qa"|"How can I get the correct amount for a damaged wheel?"|"It is unfortunate you are having this problem with the adjuster to replace your damaged wheel.It may be best if you can go online and find the same wheel that you currently have on your car. Print out the page describing the item and the value. Then call the adjuster and offer to email or fax him a copy of the wheel, its description and cost. If you can't do this, talk to a tire & wheel company locally and see if they can help you find the wheel & maybe they can talk to the adjuster. This really is the work the adjuster should be doing, but this may speed up the problem.If the adjuster does not cooperate with you, ask to speak to a supervisor. The adjuster may not want to do this, but you have the right to speak to them if you are not getting satisfaction from the adjuster. Also, if you have an agent, they may be able to help you get the adjuster to speed up the settlement for the wheel."|"My car was damaged in September 2011 in a hit & run. I filed through the other driver's insurance company for my damaged wheel & have spent the last 6 months trying to get the right amount approved. The appraiser wrote for a smaller wheel first, then another that doesn't match my current wheels. How can I get what I'm owed without having to miss more time from work & go back to the body shop?"|"2012-03-23 15:37:21"|"01852"|"Lowell"|"MA"|"https://insurance.freeadvice.com/insurance-questions/how-can-i-get-the-correct-960.htm" "2012-03-16 10:35:16"|"auto-insurance-qa"|"I have a claim against the other person's auto insurace comp. For well over 100,000 due to everything i'm out. This person is only covered for 100,0 "|"The other party's insurance company will only pay up to the limit in the policy, which appears to be $100,000. If you have uninsured/underinsured motorist coverage, and you have an actual loss of bodily injury that exceeds the $100,000, your insurance company should pay the additional amount. However, if you are only trying to obtain additional money for your inconvenience, your insurance company will probably not be willing to pay this. The uninsured motorist coverage is meant for an actual loss, not for inconvenience. If the $100,000 includes damages to your car plus bodily injury, you may be able to ask your insurance company for additional money for the bodily injury portion since part of the settlement was for your car. You can ask the other person to pay for additional financial loss. You will probably have to file a claim against them in small claims court in hopes of getting a settlement from them. However, even if you get a judgement against them, you still have to pursue them for that amount. There is no guarantee they can, or will, pay the money you are requesting.If you have been reimbursed for all damages and injuries from the loss, you are probably better off just letting everything else go."|"Can I only get 100,000? I have uninsured motorist up to 100,00, but my insurace company advised as long as she had 100,000 they will not pay anything on it. "|"2012-03-17 14:49:29"|"47542"|"Bretzville"|"IN"|"https://insurance.freeadvice.com/insurance-questions/i-have-a-claim-against-th-959.htm" "2012-03-16 00:10:33"|"auto-insurance-qa"|"insurance and registered owner"|"If you purchased a car from a private party, you usually have 10 to 20 days to re-register the car. You were right to get the insurance in place, and I presume your friend thought you had already transferred the title to your name, since he cancelled his insurance.You didn't indicate there is an accident involving the car, and hopefully there has not been one. You need to go to DMV and get the car registered in your name. That should clear up any problems regarding the ownership and insurance on the car.When your friend cancelled the insurance, he may also have sent paperwork to the DMV advising them that he had sold the car. If so, now you could be in trouble for not registering the car in a timely manner, even though you have insured it. The sooner you go to DMV and get the car re-registered, the better."|"My friend is a registered owner to a car, he had insurance then I have the car and now have the car insured under my name with the registration still in his. He cancelled his insurance... Will he get a penalty from DMV for him not having insurance or since the car is insured now is that ok."|"2012-03-23 16:10:36"|"70002"|"Metairie"|"LA"|"https://insurance.freeadvice.com/insurance-questions/insurance-and-registered--958.htm" "2012-03-15 13:34:11"|"auto-insurance-qa"|"Nationwide Auto Insurance wants to you a quote from a shop I'm not using. "|"All insurance companies work out agreements with different body shops to help keep the cost of repairs down. While you are not required to go to one of these shops, the estimate that your insurance company used through their vendor is based on the rate of labor that has been negotiated with their shop. Take the estimate to your shop of choice and show it to them. Ask if they see anything wrong with the estimate. If they charge a higher rate for labor, you can talk to your insurance adjuster, but they may not be willing to increase the amount they are willing to pay. The rate they use is based on the prevailing rate in the area and your chosen repair place may charge higher rates than the insurance company will pay. It is then up to you to decide if you want to pay the difference.The advantage to using a preferred shop is that the insurance company and shop will usually guarantee the work on the car. Other shops may not have such a guarantee. Check this out with the shop you want to use."|"My car was damage by a deer who ran into my vehicle. I went to have a quote by Nationwide's preferred body shops. I choose to go with a different body shop who is not Nationwide's preferred shops. I called Nationwide to set up for an adjuster to come to the body shop and Nationwide stated that an adjuster was not needed because they already have the quote from their preferred body shop. Is this legal? "|"2012-03-15 17:41:57"|"35115"|"Marvel"|"AL"|"https://insurance.freeadvice.com/insurance-questions/nationwide-auto-insurance-957.htm" "2012-03-15 13:32:27"|"auto-insurance-qa"|"How should I deal with the insurance company? Not at fault Accident."|"If you were in an accident that was not at fault, the insurance company has the responsibility to pay to repair or replace the bike and gear as well as for any injuries to you.I presume the insurance company is aware that you were injured with the aches and bruises. If you are concerned that there may be other injuries, you should tell the adjuster you want to go to a doctor due to the injury to your pelvis area. They should be willing to pay for this doctor visit. Upon receipt of the results of the doctor's examination, you may need to seek additional compensation from the insurance company.If you are simply sore, and there is no damage to the area, then the insurance company may not be willing to pay any additional money. If you are unable to have relations with your wife, then you may be entitled to some compensation. "|"A woman pulled out in front of me while I was riding my motorcycle. My motorcycle is totaled and I have some damaged gear, but I appear to be just fine with only some aches and bruises. The insurance company is offering to pay off the motorcycle and pay for my gear, but I am concerned that I am getting shortchanged. My wife and I are trying to start a family and the accident involved my pelvis (just above my groin) impacting the handlebars. We are not sure if we should bring this up or how to do so. I do not carry insurance on my motorcycle as it is not required, so we are dealing with th"|"2012-03-15 17:47:25"|"98244"|"Deming"|"WA"|"https://insurance.freeadvice.com/insurance-questions/how-should-i-deal-with-th-956.htm" "2012-03-15 00:31:46"|"auto-insurance-qa"|"How to prove I wasn't injuried before the car accident?"|"If you have different pain from the accident that was caused by the other person, you will need to provide some proof of what your treatments were for. Your chiropractor should be able to provide records of the treatments you were receiving before the accident and the treatments that are needed since the accident. The insurance adjuster should be able to determine the difference in the treatments you are now receiving.When there is an injury from an accident, and the insurance company is representing the other party, they are usually not willing to make any payment until all treatments are completed. Ask the adjuster if they will be willing to pay for the lower back treatments and if there is a limit as to the number of treatments. You need to be aware of what they will be willing to pay for the treatment you are receiving.If the adjuster is uncooperative, ask to speak to a supervisor and explain the different treatments you are receiving versus what you were receiving before. Someone should be able to understand this."|"I was hit by a 14 yr old driver hit the building I was working. But before the accident I was going to my chiropractor and so the insurance company say's I was injuried before the accident. I was seeing my Chiropractor for neck pain but I'm hurting in the lower back and some procedure to deal with the pain. Thank Peg"|"2012-03-15 17:52:44"|"98323"|"Carbonado"|"WA"|"https://insurance.freeadvice.com/insurance-questions/how-to-prove-i-wasn-t-inj-954.htm" "2012-03-14 16:16:50"|"auto-insurance-qa"|"I was rear ended in an accident. I did not have comp or collision coverage on my car that I had purchased 6 days prior. "|"If you are not getting proper communication from the other insurance adjuster you should ask for a supervisor in the claims department. Don't call the adjuster directly, but call the central number and ask for a supervisor. Explain that you are not getting responses from the adjuster and that you need the ok to rent a car until a decision is made as to whether your car is a total or not. Once the decision is made, you will only have a few days to find a replacement car before the rental car coverage will expire.If you need a rental car, and have the financial resources to get one, go ahead and rent the car, keeping all records and receipts. Eventually the insurance company will have to approve a rental car and you can then give them the bills for the rental car.If you continue to not get the responses from the adjuster or their supervisor, contact the Dept of Insurance in NY and see if they can help you get this claim moving forward."|"The car is totaled and the guy that hit me has progressive insurance. I have been waiting for weeks for approval on a rental car, payment for my car or any news what so ever. I call the claims adjuster daily but I get the standard, we are still investigating the claim answer. they refuse to pay for a rental car while they are investigating, and they can't tell me how long its going to take, my question is isn't there a time line for how long they have to make a decision?"|"2012-03-23 16:04:06"|"13605"|"Adams"|"NY"|"https://insurance.freeadvice.com/insurance-questions/i-was-rear-ended-in-an-ac-950.htm" "2012-03-14 10:35:10"|"auto-insurance-qa"|"motorcycle ran over by truck"|"you need to contact a lawyer for this question"|"my husband was on his motorcycle stopped waiting for uncoming traffic to pass so he could turn and in the mean time a teenager with no drivers licenes driving a full sized extended cab truck ran him over. the boys insurance was in his mothers name! they are not wanting to pay anything, my husband got serious injuries to his arm and hand after surgery he has 2 rods 2 plates and 18 screws in his hand! how much should this insurance pay where can i go to look up previce lawsuits in missouri"|"2012-03-23 15:58:41"|"63863"|"Malden"|"MO"|"https://insurance.freeadvice.com/insurance-questions/motorcycle-ran-over-by-tr-948.htm" "2012-03-14 07:07:03"|"auto-insurance-qa"|"is this insurance fraud? what could happen?"|"If you were driving your boyfriend's car and was in an accident, the insurance company for your boyfriend is responsible for the damages to the other party's car.Insurance companies routinely request a statement be given by the driver of the car, and sometimes the owner of the car. It is not clear why your boyfriend did not want to tell the insurance company that you lived together, unless he was afraid it would make a difference in the handling of the claim. He should go back to the adjuster and correct his statement.Most insurance companies want to know all drivers in a household. Since you were a member of the household, the insurance company will now want to add you as a driver of the car, or exclude you. If they add you to the policy, your rates will probably be increased due to the accident. If you have your own car and insurance, you can provide that information, which may prevent the accident from affecting your boyfriend's insurance."|"i was in a car accident with my boyfriends car and i am not on his insurance policy.. we were asked to make a statement under oath each one of us seperately... he said we dont live together and i said we do which is the truth... is this considered fraud? will he get in trouble? what should ido? can this be fixed?"|"2012-03-23 15:57:57"|"33012"|"Hialeah"|"FL"|"https://insurance.freeadvice.com/insurance-questions/is-this-insurance-fraud-w-947.htm" "2012-03-09 12:29:22"|"auto-insurance-qa"|"I got into an accident it was my fault. I'm uninsured, I am responsible for damages to the other vehicle. Can I choose where it gets repaired?"|"If you caused an accident and did not have insurance, you don't have much leverage in trying to determine where the car that was damaged is repaired.If you are trying to keep the claim out of the insurance company, you can ask the other person to provide 2 or 3 estimates for the damage. You can then try to encourage them to go to the cheaper place. However, if the other person refuses, you may be better off having them report the claim to their insurance company. When the insurance company settles the claim, they will come to you to try to recover the amount they paid out. The insurance company is going to try to keep the costs down for the repair of the car. Many companies have a figure that they feel is reasonable for repairs. If the driver wants to go to a more expensive repair place, then sometimes they must pay the difference between what the insurance company will pay and what the place is charging. The insurance oompany is, in a way, helping keep your costs down."|""|"2012-03-23 15:47:18"|"28739"|"Hendersonville"|"NC"|"https://insurance.freeadvice.com/insurance-questions/i-got-into-an-accident-it-942.htm" "2012-03-09 11:43:14"|"auto-insurance-qa"|"Someone rented a U-Haul truck to help my newly tenant to move in but while in the process of moving them in he backed into the fence"|"If someone rents a trailer to be used with a vehicle, the insurance for any damages caused by the trailer while attached to the car, will be covered by the car insurance of the driver. It is automatic coverage by almost every insurance company for this type of damage.Have the owner of the car file a report with his insurance company. This type of damage is covered under the property damage coverage of the policy and there is no deductible for the driver to pay. However, depending upon the amount of damage, it could be s chargeable accident and his insurance rates could go up. He may want to pay for the damages himself rather than reporting to his insurance company. You do not have to accept this, but if he pays the full cost of the repairs, you should not have any concern as to who pays for the damages."|"Is he responsible for the damages or is U-haul trucking company responsible?"|"2012-03-11 15:44:41"|"75210"|"Dallas"|"TX"|"https://insurance.freeadvice.com/insurance-questions/someone-rented-a-u-haul-t-941.htm" "2012-03-09 00:29:55"|"auto-insurance-qa"|"In Texas is there a law where as long as you give the permission to drive you car you car will still be covered if it was in an accident "|"Each state, and each insurance company has its own rules regarding drivers of vehicles on the policies. Most insurance companies will cover an accident if the car is being driven by someone not listed on the policy, as long as they have a valid license.There are some policies which are named driver policies and they will only cover for damages when a listed driver is involved in the accident. You should contact your insurance agent to be sure your policy is not this restrictive type policy. If it is not, you should report the accident to the insurance company. They will work with you on the repiars, less your deductible. You should also file a police report, since this was a hit and run accident. Any information you can give on the other car may help them find the party who was responsible for the accident. If the driver cannot be located, you will have to pay the deductible. If they find the driver, and are able to collect from him or his insurance company, they will reimburse you the deductible."|"i was felling sick so i gave my wife permission to drive me home but she is not on the insurance policy and a car hit us and took off will the car still be covered for repairs "|"2012-03-11 15:39:07"|"78204"|"San Antonio"|"TX"|"https://insurance.freeadvice.com/insurance-questions/in-texas-is-there-a-law-w-940.htm" "2012-03-08 15:40:28"|"auto-insurance-qa"|"I was struck by a tractor trailer, blamed, got the ticket dropped and my insurance co won't help. What do I do?"|"If you were involved in an accident that was part of a lane change, the accident will normally be considered to be your fault. Even though the ticket was dismissed, it does not relieve you of liability for the accident. Since you only have liabiility coverage, and no collision coverage, your insurance company will not pay for repairs to your vehicle.The truck driver's insurance company will most likely deny your claim to them for damages to your car since you were the one making a lane change. Whether you struck the truck, or he struck you really doesn't matter, since the truck had the right of way since he was in the lane. You can always try to file a claim anyway, but your insurance company will not assist you. It is up to you to file the claim. If you are unsuccessful, you will have to pay for the repairs to your car."|"I was merging in tunnel traffic, checked my space, began to merge and a tractor trailer ran up the side of my car. I was charged with improper lane change without first checking safety of move. The ticket was dismissed in court and when I contacted my insurance co, they said there was nothing they could do as I only have liability. There is nothing I could have done to prevent this accident and feel I am being taken advantage of because I am young. The driver of the truck lied and said I hit him and that is what the cop went with. I have no idea of what I should do at this point. Please help!"|"2012-03-23 15:52:26"|"23707"|"Portsmouth"|"VA"|"https://insurance.freeadvice.com/insurance-questions/i-was-struck-by-a-tractor-938.htm" "2012-03-08 08:06:49"|"auto-insurance-qa"|"Can I sue the city for not salting a bridge and it ultimely causes a 3 car accident?"|"talk to an attorney"|""|"2012-03-27 21:55:37"|"45240"|"Cincinnati"|"OH"|"https://insurance.freeadvice.com/insurance-questions/can-i-sue-the-city-for-no-936.htm" "2012-03-07 21:28:36"|"auto-insurance-qa"|"A lady ran a stop sign and hit my passenger front end she did $3000 worth of damages. They totaled my car as a loss. They only want to give me $1000 "|"If your car was totaled in an accident the insurance company is only responsible to pay you the actual cash value of the car, even if you owe more than that amount on the car. You should check to see if you have gap insurance on the car through the insurance company or through the auto loan company. If so, they will pay off the balance of the loan. However, you still won't have any money left over for a new car.You can check local ads for a similar car to see if you can get the amount of payment increased by the insurance company. You can use internet ads or local car dealers and newspapers. It is on you to prove that you car was worth the higher amount. Mileage and condition of the car will obviously have an effect on the value of the car."|"They only want to give me $1000 for it and i still owe $2240 for the car. What do i do?"|"2012-03-11 15:34:15"|"72764"|"Bethel Heights"|"AR"|"https://insurance.freeadvice.com/insurance-questions/a-lady-ran-a-stop-sign-an-935.htm" "2012-03-07 17:01:33"|"auto-insurance-qa"|"counter offer from Insurance company rejected"|"If you feel the settlement offer for a total loss on your car is not enough, you do need to find evidence to support your claim for additional money. While the adjuster is not required to accept this, if you have accurate information, you should be able to prevail.Make sure the paperwork you are providing is for the exact year and model of your car, with similar mileage. The paperwork also needs to be from your area. You can't provide valuations for a car that is in a different state, since car values can vary widely in each state.If you have proper documentation and the adjuster still won't work with you, ask for a supervisor. Present your case to them and see if they agree with your valuation. If not, ask why they are denying your values and see if there is something more that you can do to support your claim. "|"Insurance co. comes up with the value for a totaled car. They send the offer and you believe its no enough. You use there market research and come up with a different value. You submit a counter offer, they reject it and stand by the original settlement offer. Next step? how long before you answer"|"2012-03-23 15:41:54"|"21043"|"Daniels"|"MD"|"https://insurance.freeadvice.com/insurance-questions/counter-offer-from-insura-934.htm" "2012-03-06 18:10:47"|"auto-insurance-qa"|"The structural integrity of a rock chip repair failed and ruined my windshield. Is the repair person responsible for the replacement? "|"Since the rock chip repair did not work and the windshield needs to be replaced, I would think the insurance company will not have a problem in pay for a replacement windshield. If the insurance company recommended the repair facility, then they have a greater responsibility for the integrity of the repair work. If you chose your own repair place, it was still approved by the insurance company.You should call the adjuster or insurance company who handled the original claim. Explain to them what has happened and ask for the authority to replace the windshield. However, you will have your deductible to apply to the new windshield. Make sure the cost of the windshield will be over your deductible. If it is not, then it is your cost to replace the windshield, which would have been the case if the original claim would have been under the deductible too."|"I had to have a rock chip repaired. The repair lady showed up at my house and started repairing rock chips with out me showing her which one needed the repair. She attempted to fix two rock chips; one of which was already repaired. She ended up making the 'already repaired' one bigger and another repair person had to come in behind her and reseal it. The second repair person advised us that she didn't even do it properly. Two months later the original rock chip that needed repair which she did cracked completely across my windshield, and now a windshield replacement is needed. "|"2012-03-11 15:30:05"|"83530"|"Grangeville"|"ID"|"https://insurance.freeadvice.com/insurance-questions/the-structural-integrity--932.htm" "2012-03-06 11:22:31"|"auto-insurance-qa"|"Do I need extra insurance when I borrow friends RV?"|"If you are borrowing a vehicle and the owner can add you to their insurance policy, then that is all that needs to be done. Insurance follows the vehicle, not the driver, so the owner of the vehicle is responsible for any accident that may occur during the use of the vehicle by another driver. If such an accident occurs, the owner of the vehicle will not have their rates affected. The driver who is at fault will have the accident on their record and the rates for their insurance could go up.You cannot insure the vehicle as you have no ownership of the vehicle, so there is no insurable interest in it. Your agent should be able to confirm this for you. However, if there is a serious accident and the insurance on the vehicle is not sufficient, your insurance could come into play for the settlement, presuming the accident is your fault."|"Our friends have insurance and can add me ad a temp driver but do I need to add their motorhome to my insurance?"|"2012-03-07 09:45:21"|"96022"|"Cottonwood"|"CA"|"https://insurance.freeadvice.com/insurance-questions/do-i-need-extra-insurance-930.htm" "2012-03-05 19:51:29"|"auto-insurance-qa"|"Claims settlement "|"If you have a hit and run accident and do not know when and where it happened, most people would not bother to report this to the police. When the adjuster asked if you filed a police report that is not a problem. Since the manager has asked you to file a police report, you should do so, in your residence jurisdiction. You can explain to the police that the insurance company has advised you to file the report. The police may send you a form to complete or make take the report over the phone. Either way you will then have a police report number to give the insurance company. The fact that you didn't file a report earlier should not affect the insurance claim. Since you originally did not know where the incident happened, it was not a wrong decision not to file the report. The insurance company should proceed in handling the claim as a hit and run and work out a settlement with you, less the deductible you have on your car."|"I have been fighting with progressive on a claim that was not my fault for two weeks now. I reported damage to my car as soon as I saw it but do not know when or where it happened. I called ASAP to report the claim as soon as I saw the damage and I asked at the time if I needed to file a police report and was told I do not. Now a claims manager wants me to file a police report even though I have no idea where or when this happened (was over a weekend at some point). Is a police report mandatory and can Progressive withhold information if I tell them a police report is too late now? "|"2012-03-11 15:25:04"|"75077"|"Copper Canyon"|"TX"|"https://insurance.freeadvice.com/insurance-questions/claims-settlement-929.htm" "2012-03-02 17:07:18"|"auto-insurance-qa"|"our party was accused of being at fault in an accident which was not our fault. we are low income."|"When you are in an accident and there is no police report, then the insurance companies for both parties will take statements and investigate the claim to try to determine who is considered at fault. You didn't provide any details of the accident, so it is hard to respond whether the adjuster is correct in their assumption of fault.If you have an insurance agent, ask them for assistance in resolving the claim and who is at fault. If you don't have an agent, you should talk to an adjuster or supervisor to try to change their opinion of fault. You are allowed to ask for reconsideration, by providing additional details to the accident that may affect the claim. If you can get the claim changed to even a 50/50 responsibility, your rates should not be affected by the claim. However, if both adjusters have agreed as to fault, you may find it difficult to get the responsibility portion changed and your rates will most likely go up."|"my wife (party 1) was in an auto accident with a 2nd party. no police report was filed. my wife was accused by the insurance adjuster to have been at fault although she was clearly not. we are unable to pay additional costs and/or fees. however, we do need help."|"2012-03-03 10:05:57"|"16323"|"Franklin"|"PA"|"https://insurance.freeadvice.com/insurance-questions/our-party-was-accused-of--923.htm" "2012-03-02 13:18:50"|"auto-insurance-qa"|"will my insurance go up with a cellphone violation in california. i have liberty mutual"|"While each state and insurance company is different in how they charge for various tickets, most insurance companies in California do not charge for a cell phone ticket. It is not considered a moving violation as far as insurance rating goes, so it will not affect your insurance rates. However, if you cause an accident while driving and using a cell phone, you will be subject to a rate increase for the accident. Also, many towns and cities are being very aggressive if you cause an accident while talking on the phone or texting.However, this is a very expensive ticket and if you get another one, the financial effect for the ticket will outweigh the possible effect on your car insurance. You need to get a he