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.
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.
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.
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 ...
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 ...
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 ...
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?
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 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 ...
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 ...
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 ...
My car veered off into a median with trees and scrubbry, which caused ...
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?
It seems like ...
Colorado Accident
We are residents of colorado. While on vacation, we were in a car accident in the state of Utah.
The accident was declared not our fault. The insurance ...
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?
If ...
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?
Can you help?...
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 a three car accident caused by a drunk driver. Police report says it was the drunk drivers ...
deductible waiver issue
My wife was involved in a unattended rollaway accident where the owner of the other car was found at fault. His company is Progressive and they say the ...
pressure from claims adjuster
I was in an accident. the other driver got ticketed for "failure to yield right of way". the police officer at the scene of the accident told me to contact ...
stolen motorcycle claim
I have a stolen motorcycle claim and the insurance company is giving me a hard time even though I gave them all the information they needed.
What can ...
Car depreciation after accident
A Moron hit my car in FL... Can I go after his insurance on the depreciation of my vehicle? I just 3 months ago brand new.
Answer
Nope. Most likely ...
damage of a parked car
my car was parked at my place of employment and a 16 year old boy was racing somebody in the parking lot and ran in to the passenger side of my car. I ...
Daughter lends car; driver has fender-bender
Our daughter lent her car to her friend while at college (VA). Her friend was backing out of a parking spot at the library and was hit in the rear bumper ...
Can I get the reimburesment check directly to me?
I was rear ended by a driver insured by Geico. The drive admits fault and Geico says they will take care of it. Damages to my car - over $7500 plus pain ...
Vandalism Claim
I live in Arkansas and while parked at a vehicle sales lot, my vehicle as well as two others were vandalized. My insurance company paid approx. 13% of ...
want a check to fix the damages as i see fit
i was rear ended the insurance company wants me to go through a place they use all the time but i just want a check for the damages and then i can use ...
want a check to fix the damages as i see fit
i was rear ended the insurance company wants me to go through a place they use all the time but i just want a check for the damages and then i can use ...
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,...
My car is 2004 Toyota Collora, and his car is 1993 Jeep Cherokee.
I ...
Stolen Car
My car was stolen over thirty days ago in Michigan. State Farm is investigating the claim as fraud. I have to have a deposition with their attorney. How ...
insurance co wont cover damage under hood
My car was in collision with front end damage and leading some kind of green fluid underneath. Car was towed to garage, then insurance co had me tow it ...
Question reference to At-fault Coverage
I live in North Carolina and my girlfriends daughters were involved in an accident where the other person was totally at fault (completely took blame for ...
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 ...
Am I covered
A squrill or rat chewed up the wiring under the hood of the car ( estimate was 1500.00 to 3,000.00 )is it covered. I am in Texas have full coverage and ...
MY POLICY IS WITH CHRYSLER INSURANCE UK AND IS UNDERWRITTEN BY NORWICH ...
Auto Claim Denied. What can we do?
I was being tailgated by a truck. I turned my indicator on to turn left. I was ¾ of the way into the turn lane when the truck pulled into the oncoming ...