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I hit a car in a grocery store parking lot last week. I found the person in the grocery store and we exchanged insurance info. The person did not want to call the police. There is no damage to my car, but they called me last night and said the estimate for their car is $2000. My deductible is $1000, so does this mean that I must pay them $1000 and State Farm pays them the rest? Someone told me I don't have to pay anything, that is what I have insurance for.
Friday, July 10, 2009 1:57 PM | In the state of Kentucky, can I request for my personal injury protection (PIP) coverage to be sent directly to me, so that I may manage my own medical expenses?
Monday, August 03, 2009 10:56 AM | In Pennsylvania how long do I have before I have to report an accident to the insurance company?
Friday, July 10, 2009 1:58 PM | How do I file a claim?
Monday, July 06, 2009 2:46 PM | Is there a difference between saying someone is liable and negligent? Should the liability portion pay for an insured party if the operator was not negligent?
Tuesday, July 07, 2009 1:59 PM | I was told that my car was not quite at the total loss percent. So far the estimated damages are $4755.82, What percent to actual cash value is considered totaled in the state of Georgia? or is it based on each insurance company?
Wednesday, June 24, 2009 9:31 AM | My truck was total and I am buying it back for $4000 will my gap insurance cover that?
Thursday, June 25, 2009 3:04 PM | I live in Florida. If I was involved in an accident and I hit someone from behind, I didn't have insurance coverage. Can the insurance company of the person I hit legally make me repay them (the insurance co), the cost for them to repair their customers car?
Monday, June 22, 2009 3:57 PM | Does Gap cover a rental car if you were in a accident and your car was totaled?
Monday, June 22, 2009 10:29 AM | I am in California and ran over a pothole on a highway which caused $3k in damage to my vehicle. My insurance paid $2k for the repairs ($1k deductible for me) but now they have almost doubled my payments because they say I am at fault since I drove over the pothole. Is this fair?
Friday, June 19, 2009 7:57 AM | I live in New Jersey, and I was hit by a driver who had no insurance. I was told that I can file an uninsured motorist claim. According to the body shop, there is a law in NJ that prevents the insurance company from raising my rates. According to the insurance company, my premium will go up if the claim is paid. Which one is right?
Monday, June 29, 2009 9:46 AM | If you have liability insurance and your car was parked and someone broke the window, is it covered?
Thursday, June 18, 2009 8:50 AM | I was recently hit head on by an individual being charged with 2 counts of DUI as well as 7 other traffic violations. I injured my right knee (there is a chip of bone out of my tibia and I may have a torn ACL) and had cervical strain. I have been going to therapy 3x/week, etc. I have limited tort on my insurance policy. With the DUI charges, are there exceptions concerning the limited tort insurance and receiving financial reimbursement for pain and suffering?
Tuesday, June 16, 2009 1:57 PM | Does PIP pay if a person is injured in an auto accident and cannot work?
Wednesday, June 10, 2009 2:43 PM | If you go out on medical leave at your job for about 2-3 months does gap insurance pay your car payment?
Wednesday, June 10, 2009 2:43 PM | If my child runs into my neighbor's house and I only have liability, is it covered? Does liability cover crashing into a house?
Thursday, June 18, 2009 8:50 AM | I recently rented a car and elected to purchase the personal injury insurance. While using the car I had an accident that resulted in a broken wrist. The personal injury insurance company has since sent me a check to cover the medical expenses, do I then have to repay my medical insurance for any of the charges they already covered?
Monday, June 08, 2009 2:28 PM | My girlfriend was selling her car and the person that test drove it got into an accident. She has PIP/PD as Florida requires. The company is telling her that her insurance doesn't cover the other person's injuries.
She has the 10/10 coverage. What does this cover if not that?
Monday, June 08, 2009 2:28 PM | Car rust damage insurance? Will most insurance companies cover rust damage?
Thursday, June 04, 2009 2:31 PM | What is deficiency waiver addendum? My vehicle was total loss and I am trying to find out if I have safe-gap protection plan.
Thursday, June 11, 2009 9:36 AM | If I have 25/50/10 insurance and 2 people are awarded $35,000 each in an accident that is my fault, how much will my insurance cover and what will I have to pay, if any?
Tuesday, June 02, 2009 10:22 PM | Would an injury by a "hit & run" driver be covered under Collision or Comprehensive coverage of my insurance?
Monday, June 01, 2009 2:47 PM | Does Comprehensive and Collision coverage have a medical payment section in it? So if you were injured in a hit & run accident in a car which only has Comprehensive and Collision but not uninsured motorist coverage, are you or your passengers entitled to medical coverage under "the medical coverage section" of the comp and collision coverages?
Friday, May 29, 2009 9:58 PM | In California, does bodily injury liability cover the passengers in the driver's own vehicle if the accident was the driver's fault?
Monday, June 08, 2009 2:29 PM | I recently had an accident with my sons insured vehicle in the state of Michigan. The insurance is in his name and I was just borrowing the car for the day. I fell asleep and ran the car into a drainage ditch, and was uninjured and was not cited for any violations. After informing my son's insurance provider they claimed that because the vehicle only had "Limited Collision coverage" and I was deemed to be more than 50% at fault by their standards, that they wouldn't cover the damages? Is this a true fact? If so would my car insurance cover the damages on my son's vehicle? I have a good driving record and have "Broad form collision coverage" on my personal vehicles.
Wednesday, May 27, 2009 10:44 AM | Is California a "tort" state?
Tuesday, May 26, 2009 5:45 PM | Where do we find an LOP form for the state of Florida?
Thursday, May 28, 2009 9:59 AM | Does Uninsured Motorist cover if car has been stolen?
Thursday, May 21, 2009 10:57 PM | I crashed my motorcycle with a passenger. Does my California liability insurance cover mine and my passengers medical expenses?
Thursday, May 28, 2009 11:15 PM | Is falling asleep at the wheel always considered an at-fault accident?
Thursday, May 21, 2009 2:59 PM | My mom was just recently in a car accident, and it was the other driver's fault. His insurance told my mom that it would pay for medical bills, lost wages, and pain and suffering. What is the actual definition of pain and suffering? How is it determined what will be paid out for pain and suffering?
Wednesday, May 20, 2009 5:32 PM | If my car is totaled in an accident and not being repaired why do I still have to pay the deductible?
Wednesday, May 20, 2009 2:34 PM | A women backed into my new car doing approximately $3000 damage. The police were called, checked the damage to both cars. We were asked for drivers license, registrations and insurance cards. The other driver admitted to not having insurance. She was issued a ticket for no insurance and sent on her way. My question is, what is the Illinois law on driving without insurance? I had to pay $500.00 deductible to fix my car. Why was she released to continue driving? Can her license be revoked? And how did she register this vehicle without proof of insurance? Any information would be appreciated.
Tuesday, May 19, 2009 9:45 PM | I was recently hit by another driver intentionally. The other driver's insurance is saying that they will not cover the damages to my vehicle because of the intentional act by their insured driver. Is their insurance company responsible for paying my damages and medical bills?
Friday, May 15, 2009 1:38 PM | If my vehicle has been declared totalled by the adjusters, do I have to make a payment on this vehicle? The payment is due in 10 days. Common sense tells me the answer is no, but sometimes common sense doesn't matter.
Thursday, May 14, 2009 3:24 PM |
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