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Auto claim question? Get answers!

Do you an auto claim question? Are you wondering if the insurance adjuster is telling the truth? Are you confused about the auto claim process? Here, we can help you answer any claim question for free (can’t beat that right?).

We strive to do our best in our knowledge and experience of the industry. Please note that different jurisdiction treat the same situation different, so every insurance claim might not be treated the same. Most insurance companies follow a general investigation and a general way to resolve the claim. However, there are many insurance claims out there are simply out of the ordinary.

We will point out when we believe that is the case.

We not only try to answer any claim question but we try to also answer question regarding rate, adjusters, policies, and other related important subjects.

We ask to please be patient; we would like to have time to research your state regulations before giving you an answer.

If we cannot answer we will tell you that. To summit your question click here.

Please note that your claim question will be publish here (as long is in compliance with our policy), so others can benefit from your question and may even add to our answer or correct a misconceptions. There are many ways to approach insurance claims and insurance professionals are able to resolve their property damage and bodily injury claims differently. Remember, you need to think win win. If the insurance company see a benefit by settling the way you think they should, then every one can go home satisfied.

We try to answer every question claim question to the best of our knowledge and good faith, but it is always better to ask an attorney in your area.

We reserve the right to cancel this free service at anytime. We also reserve the right to edit your question or to decline to publish.

If you do not have an auto claim question but want to tell us how good or bad the service you recieved was (so every consumer using this website knows), please summit here.

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Do you have an Auto Insurance Question? We have answers!

Do you have a question you do not mind sharing with others. Here we can have a focus, respectful, and knowledgeable discussion of your issue. Either Héctor (ex-claim adjuster and law student), Casey (Lawyer), or any other person can summit an answer. If do not know the answer, we will simply tell you , but we strive to provide a great free service.

Be sure to check below to see if your question has been already answered before summiting again. Thank you.

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Questions by other visitors

Click below to see contributions from other visitors to this page...

Adjuster wont accept liability  I was in an accident. The other party is covered by Country Insurance & Financial. I have the police report and pictures showing the other party was ...

cracked fram  I was recently in an accident and my truck has sustained frame damage. The tires are no longer in line with each other and more importantly a crack in ...

Drunk Driver & Pain and Suffering  In our situation we were hit by a drunk driver, does this automatically mean he was at fault? And to file compensation for pain and suffering do I need ...

why wont they pay for it,or accept fault?  Details, well my girlfriend was driving westbound on a 4 lane highway in athens county ohio.

A schoolbus (Indiana Insurance) was going east and hit ...

totaled '95 Ford Escort  A friend's son slid on some ice in his SUV and into the side of my parked '95 Ford Escort station wagon. I was not in the car at the time. The damage done,...

What am I Entitled Too?  Hello, My wife was in a vehicle accident about 10 days ago (we live on long Island, New York). It was not her fault as the other vehicle disregarded a ...

Insurance company deciding fault/ how to fight it  My husband was involved in an accident where he was unfairly ticketed. He was ticketed based solely on the statements of the other two drivers involved ...

demand letter for medical   I was in an accident awhile ago and have recently finished treating with a chiropractor and a Dr. the car was totaled.

I kept the car and fixed it....

our truck should be totaled but they want to fix it  A man pulled out in front of my husband when he was going 45mph. my husband t boned him. the other mans insurance is the one to fit the bill. the frame ...

Totaled car and ACV less than loan payoff  My car appears to be totaled, and the actual cash value is likely to be less than the payoff amount on the loan. Your discussion of Lienholder's Financial ...

How to get total loss or diminished value from GEICO  Last November my wife and I were involved in a major accident that substantially damaged the rear end of our three week old 2007 RAV4.

We had the RAV ...

Total Loss of a Dream Car  I was involved in a freeway accident. A dolly fell off of a semi truck, who kept driving, and the 1st vehicle came to a complete stop on the freeway after ...

total right off-what are our rights  We have a mercedes benze 320E elegance.I was parked in the road, when a 32 ton lorry backed into it.We know who done it, they have agreed liability.
Our ...

Larry miller auto dearlership   They forgot to put the oil plug in my lexus and my engine blew in about 10 minutes.

They said it was a slug problem. So they said its your problem....

What to do?  In sept, a triaxle dump truck full of stone plowed into my 2005 Honda Odyssey 20,000 miles in excellent condition. The driver got out of the vehicle to ...

No citation, no pictures or evidence  I was involved with a disgruntled driver who slammed on her brakes several times off of a green light to scare me? Or cause me to hit her?

I barely ...

Where can I find laws to support particular arguements?  I have examined the CCC report, and only two comparable vehicles are included. The closest one is 200 miles away. This is certainly not local, and this ...

Do I have a claim  my truck was parked outside my rented house while i was at work a branch which was rotten fell onto my truck roof causing $ 4100 damage the truck was valued ...

stolen vehicle  I own my vehicle and it was stolen and recovered after 9 days. my insurance company is going to pay the claim but their adjuster quoted a repair price ...

left turn liability question  Two southbound lanes and 2 northbound lanes are separated by a center turn lane. Car (A) is southbound in the furthest lane from the center turn lane....

Value of totaled car  my insurance (State farm) has offered to settle for $5750,less $250 for existing damage,on a 1999 Camery wit 115k miiles. They got this number from the ...

"Borderlining the threshold of a total loss"?  I called my insurance company today to inquire about the status of my claim, after allowing sufficient time for a promised call back that never came through,...

Rear-ended another party  I was responsible for a rear end accident which I believe to be a minor fender-bender. My insurance company estimated the damages to my Tundra as minimal,...

How long until they make a decision  My veh. was hit by a tour bus that is insured by the above. Both veh's. were driveable from scene. Tour bus was in right lane (for straight),my veh. in ...

Total Loss Negotiation with Insurance Company  My 2000 Volvo SE has been determined a total loss and the amount they are giving me is pathetic. How do I negotiate?

Linda

Answer:

As noted ...

Total Loss Appraisal  I am currently in the midst of a property damage claim, and am having trouble with the insurance adjuster. I have a 1992 Honda Civic, which was totaled ...

bodily injury claim of minor  my 15 year old daughter was involved in a auto accident, she was a back seat passenger, and was sitting on the side where the other car hit them.

A ...

late auto claim  About a year ago my wife side-swiped a big rock on her 2004 Lexus E300 and tore up the passenger side door. She was embarrassed about it and did not file ...

Settle on a Total Loss  My 1998 Subaru was hit by another driver one month after I paid it off. Their insurance company has accepted full liability. They have not yet gotten ...

Should I use my insurance or the other party's insurance (their fault)  My parked car was hit by a young driver and is going to be totalled. They have insurance and I am covered with collision and comprehensive. I was told ...

car accident in parking Lot  am i covered for an accident in a shoping center "car park"?

--

Answer

We are having a hard time following your questions. If your car is parked ...

total loss evaluation issue  Hello,
I was in a minor accident in las Vegas Nevada. i have an older car -- a Toyota Camry v-6 with 70,000 miles in excellent shape - really!
and it ...

Usaa ins is trying to screw us  we bought a boat and had it for six weeks.We were in an accident and were 100% not at fault.We paid 5000.00 for the boat. The ins co usaa is offering us ...

car accident not my fault ...whose insurance for faster service  I was in a right of way accident, where the other car was turning left, and hit the left bumper of my new car and damaged my headlight, bumper, foglight....

Older vehicle depreciation?  I was rear ended by a careless driver. After 2 months of trying to find a used bumper for a 10 year old truck in excellent condition, the adjuster agreed ...

how do i locate this specific auto insurance company (us auto ins co)  I was in a wreck and on the police report the only information listed was this name that I cannot find an agent or phone number or web site:

Answer
...

Minor giving a recorded statement  My 16 year old son was involved in a Auto Accident.

A lady pulled out in front of him and he hit her. She recieved a citation. When I finally got ...

How long does the insurance have to claim fault?  It been almost 1 week since the car accidents. The insurance is still waiting to contact the other driver who should be at fault.

My question, how ...

Vehicle Totaled 1997 Buick Century 18k miles  I purchased my grandmothers 1998 Buick Century for two reasons. One, I got a great deal and Two, it only had 17,500 miles on it.

Number two was the ...

Determining fault from an insurance company's perspective  I was in an accident 3 days ago, a driver sitting in line in the oncoming lane decided not to wait any longer, and made an illegal u-turn into my lane ...

Will My Auto Insurance Rates Go Up?  I have a Florida Policy, and I fell asleep behinding the wheel very late at night.

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Auto Insurance general question   Why is it that insurance companies can get away with "their loopholes," causing everyone to have to get lawyers to know their rights?

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Colorado Accident  We are residents of colorado. While on vacation, we were in a car accident in the state of Utah.

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Title and Registration Fees  My car is considered a total loss. Am I entitled to recieve back the amount of money I paid 2 mos. ago to title and register my car in Wisconsin?

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Dollar awards for personal injuries  Where can you go to obtain information that documents the pain and suffering awards for automobile injury cases that went to trial in a specific jurisdiction?...

Wage loss  My 17 yo daughter was rear ended in a car accident in Feb, 07 and had to go to the emergency room. As part of her pain & suffering claim, I'd like to include ...

Rights of A Second Opinion  I was involved in a accident in Georgia where my vehicle was damaged. The 3rd party adjuster hired by GEICO came to my home to look at my truck. They ...

Gap Insurance  I was at fault in an accident. The repair company thinks the car may be totaled. I have Gap Insurance and I don't know what this covers?

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Market value vs true replacement of car  The other car at fault insurance told me the market value of the totaling car. But, I am not able to buy the similar car with that amount from the dealer....

Drunk Driver Hit us  My wife, my sister and her daughter and I, were involved in
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Consulting an Attorney, or Arbitration?  If I'm not satisfied with the ruling of the adjusters on my accident claim, what are my options? I've been told that if my case goes to an arbitrator,...

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Uninsured Motorist Property Damage Coverage  My insurance company is covering my auto damages under (UMPD), The company gave me a rental car until my car was repaired, however, they placed my name ...

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Does health insurance pick up unpaid costs after auto insurance in Ohio?  I was hit by an uninsured motorist in August of 2007. I was taken to the emergency room and treated. Since the accident, the hospital billed my health ...


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