Comments on: Auto Insurance Claims

By: Norbert

Norbert — Tue, 07 Feb 2012 03:11:46 +0000

can you help me with this problem?

By: Norbert

Norbert — Tue, 07 Feb 2012 03:08:44 +0000

I hit the median barrier and messed my car up really bad,nobody else was involved and i currently only have liability on the car at the moment,I don’t know what to do,will my insurance co. cover it ?

By: Jason

Jason — Tue, 07 Feb 2012 01:08:45 +0000

Jane,
Insurance is designed to protect family units and since policies cross into other policies of the same family, it would make sense to provide provide information if needed especially if the injuries, deaths, and property damage is a lot. It is very unusual for you to say, “since he is not covered in his family’s insurance plan” when it is likely you don’t know what a family plan or family unit is formed of.

By: Jane

Jane — Mon, 06 Feb 2012 19:29:54 +0000

I was wondering if anyone has an insight on my question? Post#666

By: Jason

Jason — Mon, 06 Feb 2012 14:54:54 +0000

Ricci,
Insurance is a business and you are a small part of it. The damage you caused is what insurance is intended for. They took car of all the hassle so you didn’t have to. You already reported it to your insurance company so they could conclude it for you. Why do you want them to continue to keep reporting it to you? As for your last question, we don’t understand what you are asking.

By: Ricci

Ricci — Mon, 06 Feb 2012 04:52:53 +0000

Hi,
I had an accident last year where I hit a motorway crash barrier. I reported it to my insurance company and nothing heard about it since.
I was in Afghanistan when it was time to renew my policy so didn’t get to see my new policy until a couple of months later when I noticed that I had 0 no claims bonus. When I emailed the company and asked why this was they replied saying I had a fault claim made against me. What I want to know is surely the company should have told me someone was making a claim and now they haven’t notified me am I able to void the policy and claim my money back that I have paid them so far or at least cancel the policy with no further cost to myself?

Ricci Parker

By: Daral

Daral — Sun, 05 Feb 2012 18:46:21 +0000

Jason,
Thanks but yeah, your response makes no sense to what I asked so super brief:
By all accounts my car is totaled. State Farm says its worth $9,000
The repair estimate is $9,400. I have GAP insurance. I owe $10,900 on the car. It Blue Books at $12,500. State Farm is saying they are NOT totalling the car and I think its because it would cost them the extra $3,000 in payments since I have GAP. Can I demand the total the car? What recourse do I have since this is clearly the only reason not to total the car?
Shorter? Better? Is that more clear?

By: Jason

Jason — Sun, 05 Feb 2012 17:18:39 +0000

To Judy and Kari,
In a sense, Kari is correct.

Judy, if you find it a common practice in your terms to, “…so are yall saying if i was driving down the road, and it was dark and i honked my horn just because and it startled another driver and they did not maintain control of their own car and ran into the median, then i would be liable?

Reasonable and prudent drivers do not honk their horn for no reason and if you do that, you would be liable every time. Luckily, most people are not so started to the point that they run into the medium or worse (flip their vehicle), but you would be the liable party in such a case. Please don’t use your horn unless it’s it’s required.

By: Jason

Jason — Sun, 05 Feb 2012 16:46:35 +0000

Daral,
That was a long post and I probably forgot half of it. You should be switching insurance and agents (yes, even if she is your aunt about every 3 years) There are about 1% or less of people who need or could benefit from GAP insurance and I’m not saying anything other than the percentage of people that don’t need it and you have it means you are part of the the 1% that are sold an insurance not needed. Based on the well written questions you provided, your general knowledge, and that you likely don’t owe more than your car is worth ($12,500), you don’t appear to need GAP coverage. Remember the general rule of thumb to look for new insurance coverage and premiums every 3 years – you’ll be surprised what you find.

By: Jason

Jason — Sun, 05 Feb 2012 16:18:32 +0000

Daral,
Please post in one or the other area. We check all areas. W. will answer over there.