My husbands car was hit while parked. The other guys insurance company has deemed the car a “total loss”. It is almost 3 months since the accident and insurance claim. The insurance company continues to delay resolving this and we have no idea where to go from here. [more inside]
I got stuck in the middle of an uncomfortable car accident dispute between two relatives. Things have been "resolved," but there are now bad feelings all around and financial hardships. How could I have handled this better? [more inside]
Yesterday I was involved in the first automobile collision I have ever been involved in, and am unsure what the best way to proceed is. The pickup truck behind me was rear-ended on the interstate, resulting in it being pushed into my own vehicle. My car is practically undamaged, and I don't think I want to go through the process of filing a claim. Is this a bad idea? More details inside. [more inside]
My wife and I are moving to another country for 9 months. We're planning on selling both of our cars. As far as insurance goes, if we cancel it when we sell the cars, will there be some kind of penalty when we come back? If so, is there some way to suspend it for nine months? We're planning on buying cars when we get back.
What are these jargony documents my car insurance company asked me to sign after I bought a policy from them? [more inside]
Has anyone in California used Wawanesa or Mercury car insurance? They're offering significantly lower rates than the big guys but are they sketchy? [more inside]
Just moved to Oregon and picked up a PT courier job, using my own car. Changing my insurance and registration over from out of state, the car insurance provider told me I need to have commercial insurance since I'll be using my car for work. She said pizza delivery drivers and I have this in common. The quote is 3X that of personal car insurance, and makes me think this part time job is not worth it. Asking y'all what the deal is. [more inside]
The town vehicle hit my car. They are claming soverign immunity over the insurance company. The insurance company says I can file a claim as an individual. It looks like the deck is stacked against me. Should I file and how should I do it? [more inside]
What low-cost auto insurance provider in the US has the best claims service? [more inside]
Child Clarkstonian, who is an adult, bought a car. Said child doesn't make enough to satisfy the insurance company. They are making onerous requests. Said child needs good insurance, because our name is on the lien (first car, needed co-signers, child is paying for the car). [more inside]
I was in a fender-bender that was indisputably the other driver's fault, but I'm not sure how to proceed with the insurance claim because there was already some mild prior damage to my car from a couple of scrapes in my house's treacherous driveway that I never brought to my insurer's attention. Can I get in trouble with my insurance company (USAA) for failing to report those minor solo collisions, and how much will it complicate a claim against the at-fault driver's insurance? [more inside]
I recently received my renewal notice in the mail for my auto insurance policy. The premium (for the entire year) increased by almost $100. I called my insurance company to find out why, and my BS detector is going off. [more inside]
I'm currently applying for nannying jobs and have been informed by my car insurance company that my policy does not cover me if I am transporting a client in my car, and that they do not offer coverage for business purposes. They gave me contact information for their parent company, who might be able to help, but the parent company is not available until Monday. I'm in California, if that matters. [more inside]
I am 24 and about to be a car owner. Next month I am moving from Utah to Indiana alone with the car, which is currently owned by mother. We don't know whether I should be given the title, have the car registered in my name and get an independent insurance policy in Utah before I go, or leave everything in my mother's name until I get to Indiana. [more inside]
We will soon be owning and insuring a car in NJ, but are confused about how much coverage we should be getting. How much coverage do we need? [more inside]
What do I put on a car insurance quote form? I am moving (NJ/NY/CA), changing jobs, and going through at least 3 unique stages of driving frequency/behavior over the next few months. And it really feels like most of this isn't the insurance company's business. But clearly I need to put *something* in each field. :) Help? Here are my facts, what parts of this should be put into the form? Work 1) I've worked full time in NY for just over a year now 2) I am unemployed between now and the end of June and for most of August 3) I have a full time, residential job in NY during July 3) I'm interviewing for jobs in CA that will begin in late August/early September and have already gotten at least one offer. But I haven't made the choice yet and won't for at least another month. Location 1) I've lived in NJ for just over a year now 2) I'm buying a used car from a friend in NC (my home state) next week 3) But I'm moving to CA and the car will be parked in CA starting in July 4) I myself will be in NY for the duration of July 5) I will begin renting and driving in CA in August Driving Behavior 1) Between June 1st and June 30th, I'm doing quite a bit of inter-state driving, although not all at once. 2) I'm parking the car and not driving it at all in July 3) I'm using the car to commute in CA in August and beyond [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?
I'm a dummy. I have a 17-year-old beloved Honda CRV that I cluelessly have been paying too much car insurance on. [more inside]
In a few months I will be moving across the country from Delaware to California for a year to maybe indefinitely. In which state should I buy a car and how should it be paid for? (Snowflake details below the cut.) [more inside]
Giant National Car Insurance Company and I disagree about whether or not I have paid my insurance bill for this half-year. They say I have. I say I haven't. Should I just give up and keep the money? Moral Quandry inside. [more inside]
Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [more inside]
A few weeks ago, I asked whether I should join Costco, and on your recommendation, I did (and am quite happy). Several people mentioned the Costco-branded insurance (underwritten by Ameriprise). There are both auto and renter's lines of insurance available, and my existing policies with another carrier are coming up for renewal. How is the insurance coverage and customer service on the Costco policies (or with Ameriprise in general)? Did you actually save the money you were expecting? Are there other carriers we should consider? [more inside]
3 years ago my husband backed into a concrete pole in a parking garage while away on business. It has rendered the hatch back useless. We are now moving and need the hatch back more than ever. For many reasons we never informed our insurance company and never fixed it. This is what our insurance is for; right? [more inside]
Help! I keep getting calls from personal-injury lawyers, and I can't make them stop! [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?
...That actually exists right now, and isn't just some thing in a trial state only available in 1-2 small locations? I'm paying a lot for a car i barely drive. [more inside]
My ex-husband is still listed as my spouse on my car insurance policy and I just recently found that it's been giving me a discount on my premium for the last two years that we've been divorced. If I send the insurance company my divorce decree, it will remove him from my policy and increase my premium by $100. I'd like to keep him on the policy and continue to get the discount. What penalties (if any) would occur if I did this? [more inside]
We had our car stolen a couple of weeks ago. The insurance company actually worked pretty quickly and we agreed a settlement amount with them and they have paid out. Now been informed by the Police that the car has been found. It looks like it's in pretty good nick apart from a couple of broken windows. Would we be able to buy the car back from the insurance company? How much if any discount should I expect? Problems in the future? Anyone got any experience of buying their car back from their insurance company?
What are my options for insuring a vehicle that won't be used very much at all? [more inside]
I was in what I think was a fender bender on Saturday, and have a question about the insurance process / responsibility. This was near Boston, MA if it matters. [more inside]
Hi all, longtime reader here, new poster. While dealing with multiple personal hardships (more inside), I had a lapse in insurance coverage for 10 days. This has snowballed into a major issue for me, and I may lose my driving privileges for 3 months, which means losing my job. Any and all advice/anecdata appreciated. [more inside]
Parking lot scrape - what's the procedure? [more inside]
Got in an accident with a car that wasn't mine a few years ago - what does it mean for my insurance now?
2.5 years ago I rear-ended someone while driving a university vehicle on university insurance (in TN). Next month I'm buying a used car from a friend. Need help figuring out what this means for insurance. [more inside]
Are these levels of car insurance benefits common these days? Our car insurance is up for renewal and out agent is suggesting "Enhanced benefits" (in the GTA area in Ontario). [more inside]
Oregon Car Insurance / Accident question: minor accident late last night, what do I do now. Details within. [more inside]
I was rear ended by a semi truck driver who did not stop to exchange information. I filed a police report and an insurance claim and have been advised to press charges. Is there anything else I should be doing to make sure the responsible party pays for the damage to my car? Details inside. [more inside]
How much insurance coverage does a person without a car (or their own insurance) need when renting a car in the U.S.? [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]
I live in Oregon and I have never owned a car, but in a couple weeks I am picking up my grandpa's car in Minnesota and driving it back. I know I need to register the car in Oregon and have Oregon car insurance. Is there a way for me to do this before leaving for Minnesota on the 9th of September when I don't have the car physically with me? What information do I need? My parents live in New Hampshire, is it impossible to be added on to their insurance? I am a 21 year old male. I just feel confused and am unsure where to start. Thanks for your help!
Do any UK car insurers take US driving experience into account? [more inside]
YANML, but what's the situation for non-owner car insurance in Arizona? How can I minimize liability for both myself and a non-family member if she, a new driver on a learner's permit, is operating my vehicle? [more inside]
We're about to buy a car and we're clueless. Insurance, tax, transfer of ownership, DVLA, WTF? What do we have to do to make it legal for my husband to drive this car away from a friends house on Sunday? In particular - how do we insure a car we don't officially own yet? [more inside]
How do I keep my car insured during an out-of-state relocation that may take a month or two to be complete? [more inside]
Deer hunting with my BMW was expensive! Insurance question from a former insurance agent who has forgotten the rules... [more inside]
I had a motorcycle accident (I hit a car). The other driver is at fault. My bike will most likely be totaled, I went to the hospital, and some of my other stuff is broken. What will happen, and what should I be doing to make sure I recoup my damages? [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]
My car got totaled in an accident two days ago. I'm looking for advice from those who've been through this process before. How can I make sure to get the most money for the replacement car from my insurance? [more inside]
I've just pulled off the incredibly suave move of sideswiping one of my cars while parking the other. Is there anything I should know before calling my insurance company? [more inside]
Should I get an insurance agent or can I get homeowners & car insurance for 2 cars & 1 teenage driver online?
I need new insurance - homeowners and car. Do I need an actual human agent or can I do it all by myself online? Bonus related question! Should I add my son to my policy or keep him on his own? [more inside]
What is the absolute cheapest possible way for me to have a car? Insurance, car payments, maintenance, all that jazz? [more inside]
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