An insurance agency represents the insurance company. This is the decision of the client, not the agency or the company. This has no bearing on the fault of the accident...unless they have not inspected the vehcile yet...when in most cases the vehicle is stored at a facility.
Yes, you have the right to retain you car at salvage price at time of settlement.
This depends on what the settlement covers I have required the insurance company to allow me to retain ownership, this reduces the settlement. Or the if you do not specify that this is what you want the insurance company gets the car.
There is no retro active insurance. If someone is not insured at the time of the accident any penalties/legal actions are valid.
Whether or not either of you have insurance has nothing to do with determining fault. One of you is at-fault and it is the responsibility of the at-fault party to pay for the damage they caused. Regardless if you are insured or not, if you are not at-fault in an accident you should retain an attorney and sue the at-fault party.
auto insurance is generally specific to a vehicle. You can retain your policy and any benefits which you can transfer to another vehicle and cancel the old policy or retain the policy until your old vehicle is sold. As always check with your insurance company after all they do want to retain you as a customer.
The goal of economic development agencies is to retain existing businesses, attract appropriate new businesses, and help them grow. These agencies act as a facilitator, bringing together businesses, government agencies, and other resources.
It just depends on the terms of the agreement you worked out in the settlement. If you wanna retain ownership this is generally addresses during the claims settlement negotiation. For a reduced loss payment in lieu of salvage value, you can usually retain the vehicle. You can not collect for a full loss amount and then also keep the vehicle. If you did not address retention of the vehicle during the claim then you likely just have to hand the vehicle over to the insurance company because it is no longer your vehicle.
The insurance company will usually retain the vehicle. You may be able to purchase it from them, call and ask.
If you retain your license, car, and life, tremedously.
The best way to get commercial insurance quotes is to look in your yellow pages under Insurance and look for an agency that sells commercial or business insurance. Independent agencies have multiple carriers and will shop for the best deal for you with those carriers. They will try and save you as much money as possible so as to retain you as a client. According to the National Association of Insurance Commissioners: Your state insurance department is your best resource for insurance-related questions and concerns. Find information on insurance companies and agents, rate quotes and comparisons, insurance buying tips, claims filing information and much more! See the Related Links for the State Insurance Department websites.
six years
No, however, they usually will offer a "buyback" price, if you want to buy it back. Once they total, and pay for it, it is their property. This is assuming this is a full coverage issue, where they would have to fix the car. If it is a liability only issue, in other words, they have to pay for damage you caused to someone else, but not for your car, then you retain ownership.