Wondering if you could help with a risk-benefit analysis of lowering the amount of insurance on my car. I still owe money on it, but I could potentially pay it off and then save money on my insurance. BUT is the insurance good to have anyway? [more inside]
My unmarried partner and I live in Queens. He had a car when we moved in together, and the title, registration, and insurance have always been entirely in his name - I didn't even drive it. The car died this summer and we are looking to buy a used car free and clear from a friend, so car payments are thankfully not an issue. I have been thinking that maybe I should consider being more involved with the car, but I am utterly clueless about the most basic details, and don't know where to start. [more inside]
If all goes well, I'll have the pre-purchase inspection on this used car tomorrow, and see if I can close a deal to buy it. Then what? I need help with the order of all the paperwork and steps. Complication: I'm in MA, the owner is in CA, and the car is registered and located with the seller's relative in NH. [more inside]
We've been paying insurance for a car we traded in to a dealer three years ago. At the time, the dealer gave us the plates for our new car and contacted our insurance agent for us. How do we get this refund? [more inside]
I'm trying to lower my car insurance rates and the rep with my insurance company suggested I drop stacked uninsured motorist coverage because I already have health insurance. I understand how the stacked coverage works but it seems redundant to carry it if I have heath insurance coverage. Am I misunderstanding how UIM coverage works?
Scenario: Car was hit from the back by an insured driver who took responsibility for the incident. This is noted in the police report. This incident happened 2.5 months ago. No claim was made on the insured driver. The repair is minor (re-paint). Question: Can a claim still be made since the incident happened approx 2.5months ago or is it too late? I wonder if it becomes harder to prove that the damage is because of the incident and not something that happened later (during the 2.5months). Thoughts?
I have a sudden need for a car for the next several months. An awesome friend has offered to lend me his. What could go wrong? [more inside]
In November I purchased a 1985 Volkswagen Vanagon. Two days ago it was hit in the middle of the night. They drove off at the time, but came back the next morning and gave their insurance information. [more inside]
In the state of Michigan, USA, can your auto insurance [liability+collision+comprehensive] premium be increased as a result of a collision claim for which the driver/policyholder is judged 'not at fault' by the police or court? I thought that it could, but I have a friend who is sure it cannot. Can any of you provide a definitive answer?
Near where I live in Boston, there is a dangerous road, and a particularly dangerous intersection. I'd like to take action to have someone take steps to remediate it. Can you recommend specific resources and data to use to make the most compelling call to action? [more inside]
I temporarily swapped cars with my parents. While my mother was driving it alone, another driver sideswiped her and damaged the vehicle. How does the insurance get handled? Obviously, the driver-at-fault's insurance should pay for the repairs. But do we contact my insurance company, my parent's insurance company, or only the other driver's insurance company? [more inside]
I'm evaluating my insurance coverage, and I'm confused a bit on auto insurance liability. It seems like a typical liability policy is $100k per person for bodily injury. From the tales of medical bills I've heard, it seems like a bad accident could pretty easily cause bills far exceeding that. Even if I increase it to $300k or $500k, if the actual costs are higher than that, it could pretty easily wipe out all my assets. What really happens in accident cases like that? Do they generally just settle for the insurance limits? [more inside]
Seeking insurance broker recommendations for a new family in NYC. Co-op, Auto, and now with progeny, Life. Obviously want a person/office that we can trust, and will look out for our interests in the long haul. We live in Queens, and work in Manhattan. Bonus question: are any brokers fee-based, or do all work on commission-type arrangements?
Person bumped into me in parking lot, wants to give me check instead of filing insurance, is this kosher? [more inside]
how much is it normal for my auto insurance premium to rise after an accident? [more inside]
Got rear-ended and am thoroughly unhappy with repair results. Any tips for negotiating with the insurance company re: how they're handling this? [more inside]
On Friday morning I was in what I consider to be a no-fault fender bender, but Illinois isn't a no-fault state. The other party has already contacted my insurance; I'm not sure what I should be doing to best protect myself. Details inside. [more inside]
How can I obtain UK car insurance (just for a couple of weeks) with a US license while traveling. [more inside]
I got in a minor fender-bender and got a ticket - will my insurance company find out about it if I don't report it? [more inside]
Should I file a claim with my auto insurance? [more inside]
Should I get a lawyer, and whose insurance should I make a claim against for an auto accident that was the other driver's fault and which caused significant injury? [more inside]
We want to give a car to my broke brother. How can we do this safely? [more inside]
My car was rear ended last night and it's starting to look like the guy who hit me does not have a driver's license or insurance. So I'm not really sure what my next move is. [more inside]
Is it possible to make a claim against someone's auto insurance for lawn repair and removal of the debris their car left in my yard? [more inside]
Downsides to setting aside cash to self-insure a car? [more inside]
Going to need auto insurance soon. Where can I find the best rates if I have 3-4 points on my driving record? [more inside]
Met with a minor accident (lady hit my parked car). Should I call insurance or take care of this myself?
A lady hit my car when it was parked at a mall. I have her insurance details and she is willing to take responsibility. My dilemma is this: - Even though this is a minor accident (scrath on the side) its going to show up on carfax as a accident - Correct??? [more inside]
I was rear ended at a light yesterday. Have a few questions and concerns over what do do next. [more inside]
My car is less than two years old, but has had a string of very bad luck. Help me figure out how to best handle my problems through my insurance company. [more inside]
hi Mefites, I need some sound insights and advice regarding a recent auto accident I was involved in California. What to do when a highway patrol accident report is biased against you? what can I do to correct the situation? [more inside]
My beautiful car was destroyed in a crash, someone turned in front of me and it's totally their fault. But their insurance made me an offer for about half of my car's replacement value. And I'm injured too. Now they want to cut off my loaner rental car, to pressure me to settle. How can I get justice? [more inside]
Very minor car accident. The other party exploded with anger even though I thought he was at fault. After he took down my insurance info, he sped away without exchanging more information. That was 2 days ago. I have not heard back from either his or my insurer. Should I call the insurers myself? What should I do? [more inside]
How and where do I get my car repaired? (or, please explain to me how car insurance works) [more inside]
Safety Insurance of Massachusetts, USA - does anyone have a list of their preferred repair shops? [more inside]
Does anyone have experiences with the California Low Cost Auto Insurance (CLCA) program, and/or any advice for applying? (Anonymous because the program is only for individuals dancing with the poverty line, and I'd rather not make my financial circumstances known) [more inside]
My best friend is the largest client of my business. He would like me to purchase a car for his use through my company. Is this a terrible situation for me and how should I handle it? [more inside]
How does an American citizen get auto insurance in Israel for a 6 week trip? [more inside]
Is this person uninsurable or just not trying hard enough? [more inside]
Can I do anything to avoid having my auto insurer pull a new copy of my driving record when adding my wife to the policy?
I need to add my wife to my auto insurance policy. How can I do this in a way that reduces the chance that the insurer will obtain an updated copy of my driving record? [more inside]
My car was stolen. What else should I be doing that I haven't done yet? [more inside]
After I settled an auto injury claim I found out the adjuster mislead me on a number of issues. Had I known that I would have obtained an attorney. Can settled injury claims get reopened (Adjuster says no)?
I bought a car!! It is a 1993 Honda Civic. I need to buy insurance. I will be driving my car about once a week, to buy groceries - otherwise I will be riding my bike around New Orleans, Louisiana. I don't know anything about car insurance. I am 34, have a perfect driving record. Can anyone help me figure out what kind of insurance I should get? [more inside]
Is filing too many claims always a death knell for your insurance? [more inside]
I found out new information about someone on my auto insurance. To avoid compromising a potential future claim, do I need to inform my insurance company? [more inside]
Is it legal to accept $500 from a car insurance company, reimbursing me for a repair I'm not going to make? If it's legal, should I? [more inside]
My car stereo just got stolen - while my car was in my driveway. Should I report it to my insurance company? [more inside]
Our SUV was probably totaled today. The police wrote the other party a ticket for running a red light, so blame shouldn't be an issue. Both airbags blew up front, which I think will likely total it without even factoring in the rest of the damage. However, I've never been involved with a totaled car situation, so I'm trying to get my act together to make sure I don't get screwed by the settlement. What do I need to know? [more inside]
Do I need to report an accident to my insurance company within a certain time period to stay covered? [more inside]
What, if any, are the non-monetary benefits of bundling insurance policies (specifically auto and tenant)? [more inside]
Where can I get cheap auto liability insurance for an older vehicle? I want the minimum auto insurance required by law in PA, which is liability. We used to have Esurance, which I was happy with, but they seem to only cover cars made since 1981, and our new vehicle is a 1980. I know I can get quotes online, but I'm not sure where to start. Do you know a company with cheap rates that offers just liability coverage on a vehicle that old?
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