I was just told my parked car was hit by a hit-and-run driver who was later caught. The driver said he would take responsibility for damages. I was told the car was probably totaled. I called my insurance and they said I could file a claim with them but I would have to pay a $500 deductible and get no rental car or I could wait to get the police report and if the driver has insurance and file a claim with them. There would be no deductible and I could get a rental car. I called the police station and they said the report would take two days. Is it better to wait and file with the driver's insurance or just file with my own and pay the deductible?
Wednesday, May 21, 2008 8:19 AM |
My vehicle was damaged when it struck a home owners large tree that fell in the roadway. Since it was the homeowners tree, can I look to the homeowners liability insurance to pay for damage to my vehicle rather than having a claim made on my auto insurance?
Friday, May 16, 2008 10:54 AM |
My husband was involved in a car accident involving a drunk driver. It was the drunk driver's fault but unfortunately we didn't have car insurance. Our car was totaled, so what happens now? Does the other guy pay, or do we pay for our own loss?
Wednesday, May 14, 2008 8:52 AM |
I was in an accident in which I was turning left on a bend and didn't see the car coming in the other direction and was hit. It is my fault as I was turning left and was charged with failing to yield. I have collision insurance but she doesn't so does that mean I still pay for my damages and hers as well?
Wednesday, May 14, 2008 8:50 AM |
I am a resident and have auto insurance in Oregon. While bicycle riding I was hit by a hit and run. Does my PIP cover the medical expenses from this accident?
Friday, May 16, 2008 12:34 PM |
My son hit a lady's car who made a left turn against coming traffic. She was at fault and we have found out that she has no insurance. She lied at the scene. We had contacted the police and she will be fined and cited. We live in Louisiana and have the no pay / no play law. Our uninsured motorist coverage will covered our damage. My questions, the passenger in the other vehicle is now claiming to been hurt. She has contacted a lawyer and is trying to get our insurance company to pay her. What are the laws on the passenger? The lawyer says, that in Louisiana there is a law that says Cullen could still be at fault because of a 1% law. The police report clearly stated we were not at fault. What is the 1% law?
Tuesday, May 13, 2008 8:32 AM |
If a husband and wife is inside of a vehicle and does not have insurance at the time of loss, does the wife which is the passenger, is she entitle to injury settlement in the state of Louisiana?
Tuesday, May 13, 2008 8:30 AM |
What does it mean to buyback a vehicle if it has been deemed a total loss after an accident?
Thursday, May 15, 2008 8:56 AM |
My car was totaled, other driver got ticket, their insurance wants me to sign a release saying that this is a "doubtful and disputed claim." Is this normal to get paid for the car in an auto insurance settlement?
Tuesday, May 13, 2008 8:32 AM |
Does fully comp car insurance cover if you fall asleep at the wheel and ride off your vehicle? No other vehicle or persons were involved.
Friday, May 09, 2008 8:55 AM |
I recently crashed into a car, and I know it was my fault. I didn't have insurance the day of the accident, but now I do. Will my insurance be able to help me?
Tuesday, May 13, 2008 8:32 AM |
Does GAP cover engine failure as in timing belt failing causing the pistons and valves to be damaged?
Tuesday, May 13, 2008 8:33 AM |
Does GAP insurance apply when a vehicle is stolen?
Wednesday, May 07, 2008 9:42 AM |
A person from New Jersey with NJ insurance with a PD limits of 5K hit 3 of my cars causing over 10K in damage. Is his policy only going to cover 5K or will New York insurance law of 10K minimum apply?
Wednesday, May 07, 2008 9:42 AM |
Did NYS pass a law that no matter what $ amount for deductible for comprehensive, if you ever hit a deer you only need to pay $50 for deer loss?
Tuesday, May 06, 2008 10:39 AM |
I was in a car accident that was my fault and my car has to be totaled. Do I have to pay a deductible to the insurance company if my car was paid for and I didn't have a car payment?
Tuesday, May 06, 2008 10:38 AM |
Someone hit my car while it was parked and run without leaving any information. The car is insured in California and I do have an Uninsured Motorist Property Damage coverage. Is the insurance going to pay for the damage?
Friday, May 02, 2008 8:51 AM |
I was at a stop. The driver to my left put his blinker on to turn into the street I was at, he slowed and I started to pull out, he didn't turn and slammed my car. He had no license and was driving a relatives car. No adult was with him. I was given a warning for a violation of not yielding to to the right of way. My car is only 1 1/2 years old and was smashed hard in the front. This occurred in MA. Will he be arrested or just fined? Can I sue him?
Friday, May 02, 2008 8:49 AM |
I was at a baseball game and my side window was broken out by a pop up. I only have liability insurance, will I be responsible replacing the window or will my insurance company replace it for free. I reside in Georgia.
Monday, May 05, 2008 9:58 PM |
My wife was rear-ended on the interstate in Kentucky. Because it is a no fault state, does this mean the other person is not responsible for damages to my vehicle?
Wednesday, April 30, 2008 8:48 AM |
If an insured hits a deer what coverage does it fall under? Comp or Collision? If a bird or other animal hits the car what coverage does it fall under?
Friday, May 02, 2008 1:52 PM |
What does the "no pay - no play" law say in regards if a person that is excluded on my insurance policy is driving my vehicle (my daughter) and the driver of the other vehicle that hit my daughter was at fault? Does the other persons insurance have to pay for my damages or not?
Tuesday, June 17, 2008 5:40 PM |
My back windshield is broken out. Can I still drive my car? I live in SC.
Thursday, April 24, 2008 10:29 AM |
Auto turned left in front of my vehicle at an intersection. The light was green and the other vehicle did not have a turn arrow. I hit vehicle that turned into my path. The liability insurance company of the vehicle at fault claims NC law provides that if I was considered 1 percent at fault they were not liable for the cost of my injuries or my vehicle. Is there a NC law that supports this? How is 1 percent at fault determined?
Monday, April 28, 2008 9:14 AM |
If my insurance company calls my car a total loss how do I determine its value on blue book? Is it trade in, private party or suggested retail? And do they go by low blue book even if car was in good to excellent condition?
Friday, April 25, 2008 9:36 AM |
I fell off my husband motorcycle before the kick stand was down. I broke my ankles and have been out of work for ten weeks. Our insurance company told us that since it was a wife and husband situation that his bodily insurance only had to cover me up to 25,000 that was South Carolina Law. He has 100,000 even though I am not seeking anything but medical and pay for being out of work. Is that actually a South Carolina Law?
Wednesday, April 23, 2008 9:10 AM |
How do I file a mini tort claim to get my deductible back from another driver's insurance company? She was 100% at fault.
Tuesday, April 22, 2008 7:19 AM |
If I have an accident while been drunk and my car is totaled, is my car insurance still going to cover? Even though I was drunk?
Wednesday, April 23, 2008 2:47 PM |
If a person owns a 2008 auto that is paid off and is involved in a wreck and it is their own fault, will insurance cover the car or just the other persons?
Saturday, April 19, 2008 9:26 AM |
I was in an accident last year. I was driving a rental car at the time and paid the rental expenses with a Visa card and declined the CDW on the car. The Visa company had to cover the damages to the rental vehicle as I fit into their category (according to their listed norms). I did not have collision damage insurance on my existing car. Now, Visa has agreed on a settlement amount which is less that the amount cited by the rental company and as such the rental company is charging me the difference. What do I do? I thought I was well covered but the Visa company says that they cannot force the rental company to reach an agreement. Does that mean I have to pay the difference? What options do I have, cause I think it is the responsibility of the Visa company to cover the damages and I should not have to pay any difference. Kindly advise.
Saturday, April 19, 2008 9:25 AM |
I had rims for my car stolen out of my truck. Do I claim against the car insurance or homeowners?
Tuesday, April 15, 2008 5:12 PM |
I was driving and my tire blew out and I totaled my car. I only have liability insurance, will I be able to get some money from the insurance towards a new car?
Tuesday, April 15, 2008 1:31 PM |
While we were driving, a flying rock hit our car by someone mowing their yard. Who would be at fault on this - their homeowners insurance or our car insurance?
Saturday, April 19, 2008 9:28 AM |
If I am out of town and someone takes my car without permission and gets into an accident will my insurance cover the damages on my car?
Tuesday, April 15, 2008 9:25 AM |
Who pays for my stolen car? The cops ran it off the road and flipped and caught fire.
Saturday, April 19, 2008 9:25 AM |