Tips, Car Insurance Questions & Answers about claims, page 18.

Claims Questions and Answers

What are my "duties after a loss" responsibilities?
Updated 9:44 AM Jun-09

I have a 2000 Honda Civic that has nearly been stolen twice. I still owe $8K to pay it off. I have full coverage on the car. If the car gets stolen will the insurance pay off the $8K? Will I be responsible for making these payments if the car is stolen? Will have have to keep paying the insurance on the car?
Updated 9:52 AM Jun-08

This question is regarding a golf cart. My golf ball was on green, my friend who was playing with me has a golf cart and he asked me to drive the cart towards the green. I accidentally placed my foot on accelerator and bumped another cart. There is very slight visual damage to my friend's golf cart and no damage to other cart. Who is responsible for repair bill? Would this cost be covered by my home insurance policy?
Updated 8:40 AM Mar-09

I live in Boston, MA. If my car does not have insurance what are the penalties for getting into a "fender bender" with another car in which I am at fault?
Updated 3:12 PM Jun-02

Do I need to contact immediately the DMV when I report my car stolen?
Updated 1:16 PM Jun-06

My truck was total loss due to an accident cause by another vehicle. My primary insurance company paid all but $3,000 of the remaining balance. I also have GAP insurance but was told that due to "the financing company moving payments to the back of the balance they will not pay the remainder of the balance." Can they refuse to pay if I paid for the policy?
Updated 10:01 AM Jun-05

After putting a shopping cart away it rolled away and hit a car in the lot. Amazingly enough (not really) the driver of the car happened to see it. What happens now? Am I responsible?
Updated 6:31 PM Jun-02

If driver of Car A slams on brakes hard for no other reason than to get car behind them from following to close and Car B hits Car A, who is at fault? Driver of Car A has been telling people that he slammed on his brakes hard, and locked his front brakes.
Updated 8:33 AM Jun-01

Do you pay your deductible one time a year or every time you have a claim if more than once a year?
Updated 8:34 AM Jun-01

If my car needs to be repair and I need to rent a car to get back and forth to work until car is ready, does my insurance cover this?
Updated 3:11 PM May-24

Our car was totaled this past Friday and we have gap insurance. We have paid $16,000 and still owe $10,000 but our car is now only worth about $5000 to $6,000. Will our gap insurance only pay the finance company, or would we be paid back any amount of money for which we already paid?
Updated 12:16 PM May-24

I reside in Tucson Arizona. In February I was hit by an uninsured driver. I only had liability coverage on my vehicle, but also have 25/50 uninsured motorist coverage. My insurance company is wanting to pay me a $150 settlement for pain and suffering, and cover the cost of my trip to urgent care & a prescription. Will the property damage portion of my uninsured motorist policy cover any of the damage to my car, or could this be included in the settlement amount?
Updated 8:41 AM May-20

My friend's car was stolen and hit two other cars. She has full coverage insurance on her car and they are covering her car loss but they denied to cover the other two cars. Can she be sued for that?
Updated 2:37 PM May-19

My car has full coverage, however my daughter is the only exemption and she wrecked the car. Nobody else was involved. Will my insurance cover the repairs?
Updated 11:50 AM May-19

We live in New Hampshire. My daughter, who is 19 and does not live with me, was at-fault in an accident in which neither party had insurance. Mydaughter is not denying that she owes restitution but the other party is refusing to send her an estimate or medical bills yet has threatened her with court and court fees plus lawyer fees. What can happen and what should she do?
Updated 3:15 PM May-18

My friend was at fault in an accident. Both of the cars are registered in Maryland, but the accident took place in Virginia. My friend has insurance, but the other person did not. Is the other person liable to pay for the damages to my friend's car? The other party is saying that it's not his fault, thus he will not be paying for the damages. Can I file a complaint? What should I do and is there anyway to report this or have the other party penalized for not having insurance?
Updated 1:58 PM May-18

If some driving a motorcycle without motorcycle insurance hits my car and it is his/her fault, how do I make sure that they get their drivers license revoked?
Updated 10:17 AM Mar-12

My brother was recently involved in a fender bender which he was not at fault. The other driver refuses to cooperate with her insurance company and provide a statement which would speed the process of payment to my brother. Short of filing a claim with his insurance and paying a $500 deductible or going to small claims court is there anything else that can be done. He lives in FL.
Updated 1:38 PM May-18

I was riding one of my motorcycles (the policies that cover my bikes are separate from the policy that covers my other cars and truck) and was hit by an underinsured driver. My medical bills were over the $10,000 limit of the at fault driver. Since I have uninsured/underinsured coverage on my other policies but not on my motorcycles, can I collect against my car policy's underinsured motorist coverage for the excess medical bills?Vehicles in AZ are not covered by the uninsured/underinsured policies, only the medical bills. Does the uninsured/underinsured coverage pertain to ME or to a vehicle?
Updated 10:18 AM Mar-12

If a claim is under $5,000.00 does the lien holder still get notified?
Updated 10:12 AM May-18

What is the accepted definition of an "object" under collision coverage? Would it include the road you are traveling on?
Updated 5:26 PM May-11

Say you took a loan out for $15,403 in January for a 2006 car. You had the car for 4 months and it was stolen and wrecked. Your insurance says there is $6,333 worth of damage to it but wants to pay to get it repaired instead of totaling it. If you have GAP insurance and you decide not to repair the car instead you use the money to pay on the loan will your GAP insurance pay off the rest of the loan that way you are free and clear to purchase another vehicle?
Updated 1:24 PM May-11

What if repairs cost less than the original estimate? Can I keep difference towards my deductible?
Updated 10:27 AM May-11

Is it West Virginia state law that medical coverage follows the owner of the auto rather than the insured when the insured is driving someone else's car?
Updated 11:28 AM May-11

I am currently buying a car and the finance place is charging me extra for insurance because I had no insurance. I was in a accident and the car got totaled. I was not at fault, what is covered and not covered?
Updated 4:44 PM May-10

I live in Queens, NY and am an uninsured driver. I was involved in an accident that was deemed 30% my "fault". I was driving a car that was a gift to me and is not registered in my name. Are uninsured drivers in NY liable for damages? Is there anything I can do?
Updated 9:00 AM May-10

My husband and I recently purchased a new (not used) car but could not take the vehicle home as it had no arrived at the dealership. All the paperwork was exactly as if we had taken the car and given the trade. We walked out with an "we owe" from the dealer. This was done to secure dealer financing. They let us take home the car we traded in. My husband hit an animal on the highway and now the dealership says our insurance must pay or we pay. If we legally traded the car, whose insurance should cover the car?
Updated 1:59 PM May-04

Regarding deductibles; What if the at fault party has the same insurance as you, who pays the deductible? How is subrogation handled in this case typically?
Updated 11:45 AM May-04

If someone at an auto shop drove your car and got into an accident, whose insurance company covers the damages or pays for the car if it is totaled? In Texas does the insurance follow the driver of the car or the vehicle?
Updated 3:35 PM May-03

My husband unknowingly drove without a license and insurance. He was hit by another car that ran a red light, driven by a teenager without a seat-belt. What could happen? We are in Arizona.
Updated 9:52 AM Jul-24

My boyfriend delivers pizza driver but he never thought to notify his insurance company. A guy in front of him backed into him causing $2,800 worth of damage. My boyfriend's insurance now says he didn't have the right insurance to be delivering in his car and therefore will not cover of his car's damages. Will the other guys insurance cover it? If not will he have to pay it out of his own pocket or if he throws a fit will the ins. company cave and fix his car?
Updated 2:17 PM Sep-08

My 20 yr son (household member) drove my truck to work and got in an accident. He is not on my policy. My insurance will not pay any loss and now they are investigating me for "fraud and misrepresentation" for not listing him. What should I do? What are the penalties for this?
Updated 4:17 PM Apr-19

My wife hit a still car that was parked in the parking lot. A small dent resulted on trunk of the other car. Will it effect our insurance (we live in Massachusetts)? If so, how long will it stay on our records?
Updated 3:42 PM Apr-18

In Ohio, my wife's car was rear-ended and declared a total loss. The other driver was cited and admitted fault.The insurance company indicates that we are only eligible for 3 days of a rental car, because it is a total loss.A 3-day limit on rental reimbursement seems inconsistent with the "making whole" principle. Should the other driver's insurance company be liable for providing alternate transportation for a reasonable amount of time?
Updated 10:09 AM Apr-12

How long do I need to keep insurance on my car which was recently stolen and why?
Updated 10:03 AM Apr-18

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