185 posts tagged with insurance and car.
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Is my car going to ruin Christmas?

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]
posted by fearnothing on Dec 18, 2014 - 4 answers

What to do on the periphery of an automobile collision?

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]
posted by Bahro on Dec 9, 2014 - 8 answers

Car registered and insured in two states.

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?
posted by m3thod4 on Dec 3, 2014 - 4 answers

Home car salvage: "Totalled" old car, liability only insurance.

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.
posted by anonymous on Nov 11, 2014 - 8 answers

My poor car was the victim of a hit and run

It appears that my new car I only just got in May has it's first real injury. [more inside]
posted by hazel79 on Nov 5, 2014 - 2 answers

Should I pay off my car early so I don't need full coverage insurance?

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]
posted by bbqturtle on Oct 30, 2014 - 22 answers

New York City joint car ownership for a complete newbie

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]
posted by Neely O'Hara on Sep 4, 2014 - 3 answers

A town-owned tree fell on my car - town says they're not responsible

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]
posted by FlyByDay on Aug 10, 2014 - 11 answers

Steps for purchasing a used car?

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]
posted by daisyace on Aug 4, 2014 - 4 answers

Oh, the problems of not opening one's mail - auto insurance edition

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]
posted by heigh-hothederryo on Jul 25, 2014 - 7 answers

Neighbors, drunk driving, and car damage - what to do?

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]
posted by ch3ch2oh on Jul 9, 2014 - 34 answers

Former epileptic getting her license back in Ontario; insurance?

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]
posted by the dief on Jul 2, 2014 - 3 answers

Nannies/Caregivers/Families: how do you handle car insurance?

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]
posted by corey flood on Jun 21, 2014 - 1 answer

Car insurance for someone who doesn't drive

My mother wants to give me her car so I can insure it for her - is this insurance fraud? [more inside]
posted by chocolatepeanutbuttercup on Jun 10, 2014 - 17 answers

Two-party check from insurance co: When do I give it to the repair shop?

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]
posted by Maladroid on Jun 5, 2014 - 10 answers

Filling out an insurance form given a lot of flux

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]
posted by ch3cooh on May 20, 2014 - 4 answers

Do I need stacked uninsured motorist coverage?

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?
posted by photoslob on May 16, 2014 - 4 answers

Can and/or should I make a car insurance claim — or not?

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]
posted by anonymous on Apr 29, 2014 - 5 answers

Auto accident insurance question and diminished value

Auto accident insurance question and diminished value [more inside]
posted by anonymous on Apr 23, 2014 - 3 answers

Is there any reputable car rental to be found in Cancun?

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]
posted by speedgraphic on Feb 20, 2014 - 3 answers

Can I avoid having a salvage title (California)?

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]
posted by jsturgill on Feb 3, 2014 - 8 answers

Risks of long-term borrowing a car from a friend?

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]
posted by catesbie on Feb 1, 2014 - 22 answers

Involved in accident, at-fault party's insurance couldn't pay for all

Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [more inside]
posted by Carius on Jan 3, 2014 - 10 answers

What do I need to know about filing a car insurance claim?

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]
posted by jsturgill on Dec 12, 2013 - 7 answers

The best way to handle a car accident insurance claim against my policy?

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]
posted by lostguy on Dec 2, 2013 - 8 answers

Someone bumped into my car this morning

Her car edged forward and bumped into mine while waiting on a red. What should I have done? [more inside]
posted by mlo on Sep 17, 2013 - 13 answers

I may have admitted fault at the scene of an accident.

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]
posted by anonymous on Aug 30, 2013 - 16 answers

The car will be TOTALLY mine

How can I find out if a car really has been totaled? [more inside]
posted by anonymous on Aug 7, 2013 - 8 answers

Read ended by truck a month ago; their ins co won't make a decision

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]
posted by FlyByDay on Aug 2, 2013 - 22 answers

How to avoid getting screwed by another driver's insurance company?

A relative was recently in an accident, and the other driver is at fault. It occurs to me that car insurance seems broken, since my relative is now trying to get paid by a company whose client is the other driver. How do we make sure they have our best interests in mind? [more inside]
posted by RobotNinja on Jul 10, 2013 - 12 answers

Swapped cars + accident = insurance confusion?

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]
posted by doomtop on Jul 8, 2013 - 9 answers

Progressive is being regressive

We live in Mass and my wife got into a car accident the other day while I was out of town. How can I convince the insurance company it was not her fault? [more inside]
posted by IzzeYum on May 28, 2013 - 25 answers

Car Stolen.....Insurance Pay Out.....Car found.....

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?
posted by lloyder on May 24, 2013 - 8 answers

Not insuring our non-driving teen son.

My sixteen-year-old son got his license recently, and after a month (during which time he did not drive) we insured him for a month as we were going to be out of town and he needed the car. When we called our insurance company to remove him from our policy, we were told that the only way the company would uninsure him is if he turned in his license to the DMV. We only have one vehicle, and he won't drive. He's not the kid who is going to sneak off in the car, either. So can the insurance company just drop us or otherwise hose us over? [more inside]
posted by mecran01 on Apr 15, 2013 - 17 answers

Can I give them a copy of my insurance card?

I live in a apartment building with a floor of parking inside the building. Two days ago, a neighbor who was parking her car next to mine dented and scratched the rear of my car. The damage is fairly minimal but will require some work. She was very apologetic about the situation and left me a voicemail stating that she had hit my car and that would should sync up to exchange insurance information. Later in the day, we talked and she suggested the we exchange a copy of each others insurance card. In this situation, is it ok to give her a copy of my entire insurance card? Is there any information on this I should not be sharing? For reference, my insurance is GEICO.
posted by cm1088 on Apr 6, 2013 - 9 answers

Owning a car in Ireland as a Dual Citizen (USA and IRELAND) living in US

Is it possible for a person with dual citizenship (USA and Ireland; residing in the USA) to register and get insurance for an automobile in Ireland (the north of Ireland to be specific) if the person does not reside in Ireland? And if so, how? [more inside]
posted by aelish on Apr 1, 2013 - 5 answers

Auto insurance liability limits?

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]
posted by smackfu on Mar 28, 2013 - 7 answers

Insurance options for a seldom used vehicle?

What are my options for insuring a vehicle that won't be used very much at all? [more inside]
posted by azpenguin on Mar 3, 2013 - 10 answers

Rent or Lease?

Would it be cheaper to rent a car for 6 months or get a lease swap with short term car insurance in California? [more inside]
posted by pakoothefakoo on Mar 2, 2013 - 5 answers

Help with minor accident.

My car slid into a pole on a slippery street. What now? [more inside]
posted by futureisunwritten on Feb 6, 2013 - 9 answers

Hey! I'm walkin' here!

What should a pedestrian do if hit by a car? [more inside]
posted by threeants on Jan 16, 2013 - 25 answers

Please advise on car insurance issues after an accident.

A guy hit my car parked on the street in Cambridge, MA, causing some damage (to the car only, I wasn't around). He left a note. I called him and he wanted to bypass our insurance providers. Please advise. [more inside]
posted by A dead Quaker on Dec 16, 2012 - 35 answers

Why am I paying $10k for another person's property damage?

I got into an accident with another motorist. She side swiped my car and then hit a electric post. She failed to yield and was found to be at fault. Now the electric company is asking for $10k to repair the pole damage from me. Without having property damage insurance, and living in a no fault state, is there anything I can do?
posted by Coke15 on Nov 29, 2012 - 30 answers

Car insurance comparisons

Why do car insurance prices vary so much? [more inside]
posted by lewedswiver on Oct 11, 2012 - 9 answers

Fighting the (insurance) man!

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]
posted by kanuck on Oct 11, 2012 - 4 answers

tehloki and the angry inch

Somebody has decided to remove most of my door handle in an attempt to get into my car, or in a fit of rage, or something. Will getting it repaired through my insurance make my rates go up? Should I try and fix it myself? [more inside]
posted by tehloki on Sep 18, 2012 - 34 answers

Who insures foreign drivers in the USA?

We are on a 7 week road trip through the USA. I have a California driver's licence and own the car. My wife has an Australian driver's licence. I'm having trouble putting her on the insurance as a driver with AAA and I have contacted several other insurers who won't take on the risk. Plenty of googling has come up empty? Is there an insurer who is worth calling?
posted by dinoworx on Sep 12, 2012 - 12 answers

How much will fixing my car cost? Is it safe to drive?

My relative backed into my '09 Civic in the driveway. The front emblem and fender are bent; it appears that the radiator is bent as well. The car starts without problems. What am I looking at? Should I drive it into the shop, or have it towed? Relative doesn't have the wherewithal to fix this; should I make a claim against my own insurance?
posted by sonic meat machine on Aug 14, 2012 - 22 answers

Proper protocol after auto accident claims request?

(CA) Driver who hit me is uninsured and I've begun the claims process with my ins. co. Should I give uninsured driver a head's up? [more inside]
posted by chloe.gelsomino on Aug 6, 2012 - 17 answers

The cheaper the better

Is there an online source to tell which cars are less expensive than others to insure?
posted by yclipse on Jul 10, 2012 - 1 answer

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