What happens if I have an accident and I don't have collision insurance?
Saturday, April 19, 2008 9:29 AM |
A vehicle stolen from a car dealership, hit my vehicle in the middle of the night while it was parked in front of my house. My vehicle is totaled and I only had liability. The car dealership's insurance company states that because they reported the vehicle stolen 3 months prior to the accident that they are not liable and will not pay for my car. Is this true? Is there any recourse for my family?
Tuesday, April 15, 2008 5:08 PM |
My boyfriend's car was parked in front of his house. It was hit and totaled. Does he have to pay his deductible?
Saturday, April 12, 2008 8:22 AM |
I reported a cracked windshield to my insurance company. The representative asked me if the crack was as large as a dollar bill. After I told him no, he said that the company would pay for a repair which he said was a safe option for my windshield. Shouldn't the company be required to restore my car to its previous condition, with a new crack free windshield?
Friday, April 04, 2008 9:50 AM |
If I am at fault for an accident do I call my insurance company or do I wait for the other party to make a claim?
Friday, April 04, 2008 5:26 PM |
Will GAP Insurance kick in on a total loss if the claim is denied by the insurance company or worse, if the insurance was not active at the time of an accident?
Saturday, April 12, 2008 8:21 AM |
A 28 yr old man hit my brick wall, mulberry tree and 2 oak trees and damaged my driveway. All trees are mature and about 24" around. He was drunk and was care-flighted to a hospital(hes OK). I had a Horticulturists look at my trees and he said they would die. Now my question is how much will the insurance pay? It will cost about $18,000.00 to replace the 24" trees with 8" trees not including the brick wall and my drive way that was damaged.
Friday, April 04, 2008 8:28 PM |
A driver backed into me and my entire rear bumper needs to be replaced. His insurer is accepting 100% liability but is charging me 10% betterment because I had a small scratch on the opposite side of the bumper from where the accident occurred. Is this valid?
Monday, April 07, 2008 4:13 PM |
Can you be given a ticket in NY for having a cracked windshield if the drivers vision is not impaired or distorted? My windshield is cracked on the passenger side but in no way impairs or distorts my vision or for that matter the vision of a passenger who might be riding in the vehicle with me.
Monday, March 31, 2008 5:18 PM |
I was involved in an accident and report shows that I am 0% at fault. I was completely stopped when multiple cars collided into me. Is it normal for my insurance company to still force me to pay the deductible while they go after the insurance company(ies) specified as at-fault? I'm the one out of the money, so I have a hard time believing my insurance company is working hard to get my deductible - I'm assuming the 4 moving cars are arguing who was actually at fault. How long does it usually take to receive the deductible?
Tuesday, April 01, 2008 1:23 PM |
If you drive someone else's car and cause bodily injury over and above what the bodily limits are on the policy. Who can they sue the owner of the car or the driver?
Tuesday, April 01, 2008 2:10 PM |
I seen where someone asked if GAP insurance covered the transmission or the engine. And the response was that is what warranties are for or something along that line. My question is will it cover those two if you do not have a warranty left? I just found out to have my engine fixed it will cost way more than my car is worth. Will the GAP ins cover it and consider the car a loss?
Monday, March 31, 2008 4:35 PM |
If someone gets in an accident on private property, in this case, a parking lot, who is at fault? How will the insurance company handle? Is there a no fault policy in the state of Ohio in this instance? One of the people involved was pulling out of their space and brushed across this other persons parked vehicle, which was not parked in the parking space correctly, and caused damage to the bumper. Thanks for your input.
Tuesday, April 01, 2008 1:24 PM |
I live in Phoenix, Arizona. At work a delivery truck hit my car and damaged the bumper. The driver's insurance company told me to take some pictures and get an estimate and submit it for reimbursement approval. I took my car to my regular repair place and they gave me an estimate for $789.00. I submitted it and the insurance company said I have to submit an estimate from a body shop and not a tire place that also does repairs. The body shop I choose to go to gave me an estimate for $630.00. I want to take my car to my regular repair place. Can the insurer tell me where to take my car for repair or can I choose where to take my car for repair, even if they charge more than the other place I went to? So in AZ can I pick who I want to repair my car, get an estimate and send it to the other party's insurance?
Tuesday, June 10, 2008 9:10 AM |
If I owe more on the car than what it is worth, I understand gap coverage if I am at fault in the accident. Will my gap coverage pay if my car is totaled in an accident that is not my fault and the other company is only offering the book value of my car in settlement? Or is the other company totally responsible for the amount of my loan? Thank you.
Monday, March 31, 2008 10:41 AM |
My windshield was broken in an act of vandalism. Do I have to pay my deductible in Florida?
Friday, March 28, 2008 5:16 PM |
My granddaughter took my car without my knowledge when I was on vacation. She has no license. She rolled my car and there is extensive damage, no other property damage was involved. Does my insurance cover her if I purchased Uninsured Motorist?
Wednesday, March 26, 2008 10:24 AM |
If someone driving my car gets into an accident, will my insurance cover it, having full coverage? What if this person does not have a license?
Friday, March 28, 2008 1:46 PM |
Will insurance cover a broken back window (rear) vandalism?
Friday, March 28, 2008 10:15 AM |
If driver A doesn't have a valid driving license and is hit by Driver B, is driver B's insurance company still responsible to cover the costs?
Thursday, March 27, 2008 12:09 PM |
The support frame on my truck rotted & the fuel tank fell out and damaged all its attachments. Question, is it covered OTC (comprehensive)? Are there any exclusions?
Tuesday, March 25, 2008 4:05 PM |
If an excluded driver is a fault for the accident to another innocent driver. Is the policyholder liable to the other party for damages?
Monday, March 24, 2008 2:06 PM |
My vehicle was parked and hit by another vehicle that is a company vehicle that is self insured are we required by Missouri law to get 2 estimates or can we take this car where we want to?
Wednesday, March 19, 2008 10:01 AM |
I was involved in a car accident. I have liability coverage. If my car is totalled out will I get a check for the value of the car?
Wednesday, March 19, 2008 10:01 AM |
What is the rule for making a claim for pain and suffering in Ontario, Canada? Is there a threshold?
Tuesday, March 18, 2008 2:44 PM |
If someone drives our car but isn't on our policy, does his own car insurance cover him if something happens to our car while he is driving?
Friday, March 14, 2008 10:10 AM |
I was backing my car out of my car port and misjudged it and the right front of my car hit the car port pole. I have damage to my car and the car port pole. How do I file this claim?
Thursday, March 13, 2008 10:12 AM |
If you are involved in an accident when your county has declared as state of emergency due to snow, is your insurance company not required to pay for damage to your vehicle. I live in Indiana and work in Kentucky.
Thursday, March 13, 2008 10:13 AM |
I live in Michigan and only have PL/PD coverage on my Explorer. The other day another driver smashed into the back of my parked car at 3am, it was parked outside of my house and no one was inside of it. My car is now totalled, as well as theirs, and I am wondering if their insurance will cover anything for my damages? Is there any importance to the fact that my car was parked in the street, rather me being involved in a collision where I was actually driving the vehicle?
Tuesday, March 11, 2008 10:30 AM |
I live in South Carolina. Do I have to pay my deductible to have my windshield replaced for a crack caused by a rock hitting it?
Saturday, March 08, 2008 8:10 AM |
After a fender bender how long does the person who has been hit have to request to have the car fixed and supply an estimate in Texas?
Tuesday, March 11, 2008 10:31 AM |
How long can a medical claim in an auto accident stay open after an accident in the state of Maryland?
Saturday, March 08, 2008 8:11 AM |
I had a minor accident while driving someone else's car. The person that owns the car only has liability coverage. What responsibility do I have to fix the car?
Friday, March 07, 2008 12:58 PM |
We have been having a lot of bad weather lately and my husband is wondering if our car insurance would cover some sort of weather damage, i.e. hail, tree-limb, etc. We have full coverage of collision and comprehensive?
Thursday, March 06, 2008 8:21 AM |
I hit a tree with my car as the roads were snowy and totaled the car. I do not have collision insurance on my car as it is paid for and in NY it is not required when the vehicle is paid in full. Will my insurance that I have on my car cover anything for the loss?
Saturday, March 08, 2008 8:12 AM |