Have you convinced you insurance to change their minds after they tried to tota your car? How did you do it? I have an older car that just needs a lot of bodywork after an accident but is mechanically sound. Insurance wants it to be a total loss, but I want them to fix it. The repair estimate is about $150 over the 75% threshold that North Carolina uses for a total loss. (Yes I am aware I can fix it and get a salvage title, but would prefer to avoid that if I can)
I don't have my own car, so no insurance there (I have health insurance, period, no other kind). I also don't have a credit card, and am going with Enterprise as they are willing to work with that without running credit. In order to be protected as I drive a 14h round-trip, what insurance should I tack on? It's been a long time since I bought any (and I haven't rented a car in ten years). Advise please?
Oh dear. I bumped another woman's car with my car at a very low speed. I thought she wasn't stopping so I drove on -- then I saw her taking down my plate number but couldn't indicate to her that she should follow me to pull over. Now what will happen? [more inside]
I was involved in a minor car accident while driving a rental car. What do I need to do now? [more inside]
A truck backed into my driver's side door as I was getting out to go to the grocery store. His insurance says we're 50-50 at fault. I don't agree, but of course I don't. I have anxiety and don't trust most of my gut reactions to things. Most of the people in my life say "No. The other driver's at fault. Push back." I'm looking for outside opinions. [more inside]
I left my car on the street in front of a friend's and it was backed into by one of their neighbors while I was out of town. My friend took the guy's info, but the driver wants to handle without involving insurance. What should I do? [more inside]
I was hit by another driver, who sped off and likely won't be caught (no plate). I have coverage for this but it took nearly three weeks for my insurance company to approve the estimate from the shop. The first adjuster assigned to the claim wasn't local to the area and tried to do everything by phone/email and the company wasn't particularly communicative about the process. Is this run-of-the-mill feet-dragging for insurance companies or does mine suck? [more inside]
My car was stolen (from a major suburb in the Boston area). Wondering about next steps. [more inside]
Yesterday I was rear ended by a young woman driving a scooter. She apologized and admitted fault. I took her contact information and insurance information, but did not file a police report. I thought the proper thing to do was to call my insurer, tell them what happened, and give them the other driver's insurance information, and I did so. I assumed that I should let them handle the claim. Now I'm wondering if I made a mistake. Your help would be appreciated. [more inside]
(Asking for a family member). They were rear-ended in someone else's car, as a passenger, in February. The insurance of the driver of the car she was in has told them that claims (for physio etc) need to go through their soon-to-be-ex-spouse's insurance--they separated in September. My family member said that the insurance adjuster used a specific word they can't remember, but that essentially as a married (on paper) person, the spouse's insurance takes precedence. [more inside]
I am helping a family friend who was in a severe car accident. She is not a native English speaker and has zero experience with lawyers. I have worked with them plenty in a business setting, but never around personal injury. There is no question of fault and she has injuries that will impact her for life. Should we try to negotiate with the insurance company ourselves and save the 30% fee an attorney would take? [more inside]
Returned a rental car recently, had some damage in a crowded parking garage. Seems like the rental agent was trying to get me not to admit fault, but I was dumb and did so. Can they void my LDW by saying it was "reckless"? I'm worried: only light body damage, but will be hella expensive, plus downtime charges, if I'm on the hook.
Last month I hit a neighbor's parked car. Since then, I've let the insurance company handle it, but the neighbor has reached out to me several times, and I'm not sure how to respond. Details under the cut. [more inside]
I've read through the previous questions on this. But a ladies daughter with a learners permit hit my partners car while it was parked, and now she just wants to pay cash because she's convinced involving insurance will be a nightmare... [more inside]
My car was rear ended recently, but as it's too old I get to keep the car... and the money? [more inside]
I live in Montreal and am taking a 1-year sabbatical in the United States (North Carolina). My car will be coming with me. Can I insure the car in NC without importing it into the US? [more inside]
Yesterday afternoon, while on the job, I was involved in a car accident. I was crossing an intersection when a car ran a red light and slammed into my front passenger side. My car went into a telephone pole. Thankfully there were no serious injuries to either parties however both cars were totaled. Witnesses called the police and a police report was filed. The investigator took the statement of one witness who watched the other car run the red light and hit me. I have a few questions about what happens next to make sure I am taking the right steps. [more inside]
I got into an accident this weekend and I dented my door & part of the fender. My insurance company says that if the fix is more than 80%, they are legally obligated to declare is salvage / total loss which means I lose my car. I'm scared that this is the case. [more inside]
In a month or so, I will be buying a used car from a relative in a far away state to bring to New York state (not city). What do I need to do to be in compliance with the law, regarding insurance and registration? I already have a NY state license.
I managed to scratch my car doors on a parking garage column. Should I use insurance to cover it or pay myself? [more inside]
I can get somewhat cheaper auto insurance from Allied, but have not heard of this company. Googling for reviews get mixed results. Has anyone had experience with them - customer service, paying claims, etc.?
UK car. Have had to become Belgian resident, must register car but this takes weeks and my insurance runs out in a week and it's Christmas and I might be moving back in 3 months anyway and temporary insurance is absurdly expensive and aaarrrgh! [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]
I have a car with a loan I am currently paying that is titled, registered, and insured in Ohio (I am an Ohio resident). I would like to give this car to my grandfather and continue to pay on it, but he is a resident of Michigan. Can I register and insure the car in both states so that he can drive it legally in Michigan?
I was in an accident in a common mid-90s sports car. Summary: Body work, broken front axle. Because of the age and damage, the insurance will likely declare the car "totaled". My insurance will likely have to pay for repairs to the other car involved. I have liability only insurance, so they're not going to pay me anything regardless. No one was injured. Does my insurance need to care about my car, if it is liability only insurance, besides assessing for "fault"? One of my family members would like to repair the car. Assuming (he has done this kind of thing before, parts are plentiful, and time is not an issue) that he can make it safely drivable again, what do I need to do to make it legally drivable again? Is there anything I can do now to make it easier to get the car on the road in the future? I'm in northern Virginia.
It appears that my new car I only just got in May has it's first real injury. [more inside]
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]
A large tree across the street fell on my car while I was sleeping and did a fair amount of damage. After getting two repair estimates as requested, the town's insurance company decided they have no responsibility as they didn't have prior knowledge of any problems with the tree. Is this the end of the story? [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]
How to get our unemployed and non-insured neighbors to pay for car damage? Our downstairs neighbors (we split a house) are borrowing an (uninsured) car from their friend over the summer. After getting super drunk early Mon, they somehow barrelled out of the garage, hitting our car and (we think) another car parked in the street. They didn't confess to hitting our car until we approached them with evidence and long after I had already filed a hit-and-run report.... [more inside]
My wife, clean from seizures for about two years, is getting her license back soon and I need to know if there's any pitfalls regarding insurance. [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]
My mother wants to give me her car so I can insure it for her - is this insurance fraud? [more inside]
I got into an accident last week, and my insurance company is mailing me a two-party claim payment check (for ~$6000) to give to the repair shop. I'm wondering when exactly I hand over the check. [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?
Our relatively young car (~1 yr) has collected a bit of damage over the past year. One bit of damage is a dent which is starting to rust, so it needs to be dealt with in a body shop. The dent was not our fault, but the result of a parking gate that closed early. We also scratched the car elsewhere in a few places. Those scratches are substantial and our fault, and they also require professional work. We would like to know if making an insurance claim is an option or if we must (or should) pay on our own. [more inside]
Auto accident insurance question and diminished value [more inside]
I'm flying into Cancun in the next few days, and since I'll be travelling south from there, I'm interested in a rental car. Please help me not get ripped off. [more inside]
My Vanagon was hit, and the other person's insurance company wrote it off as a total loss. We settled, and I retained possession of the vehicle. It's fixed and good to go--except maybe the whole salvage title thing. [more inside]
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]
Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [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]
Hopefully, this won't be an expensive lesson in car insurance practices, but I lent my car to a teenager... and she got into an accident. [more inside]
Her car edged forward and bumped into mine while waiting on a red. What should I have done? [more inside]
I got into an accident yesterday. It was my first accident so I really had no idea what to do. The other driver kept insisting it was my fault and I just kept apologizing (which is admitting fault?). How does this play in during the insurance claim? [more inside]
How can I find out if a car really has been totaled? [more inside]
I was hit by a garbage truck a little over a month ago. He had a stop sign that he decided to ignore. I was on a rte/main road with no stop sign, going with the flow of (considerable) traffic. My car was pretty seriously damaged and needs to be fixed, but so far the truck company's insurance company hasn't accepted liability, and are hanging their decision on a guy who apparently doesn't exist. In the meantime, my car's a mess. How to get a response so I can get my car fixed and not have to cover the rental myself? [more inside]