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Auto Accidents and Insurance Claims
Total questions 10100
How do you find insurance records from a previous owner of a car?
Insurance Records of previous vehicle owner Insurance Records are protected under State and Federal Privacy laws. There is no...
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How does a speeding ticket affect your auto insurance?
poo on your head
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Whose auto insurance will cover you if driving another person's car?
Insurance Coverage in someone else's vehicle As a general rule and with permissive use. The liability, uninsured motorist and...
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How do you decide who's at fault in an accident?
Here's a link for advice on determining who is at fault in a car accident. Answer Besides the website recommended...
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Will insurance pay to replace a windshield that has become so pitted and cloudy that it is hard to see if you have complete glass coverage?
Insurance Coverage for Glass This is considered "normal wear and tear", which is never covered by auto insurance companies,...
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How much money do you get if your car is totaled?
Totalled Vehicle Value You will receive the fair market value for your vehicle. An insurance company is only required to...
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Does company insurance or Workman's Comp cover car accidents while working?
If you were truly injured you probably are covered by your employer. Your car is a different matter though, and workmans...
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What is PLPD auto insurance?
PLPD is Public Liability and Property Damage. It satisfies your obligation to the state, and offers no coverage to your vehicle's...
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What is the value of a totaled vehicle?
The value of a totalled vehicle is an assessment of what that vehicle's actual cash value was prior to the loss. States vary in...
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Do you have to report all car accidents to your insurance company?
Yes, auto insurance policy states that you are required to report all accidents (losses) immediately. There are a few reasons...
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Is there a formula the insurance companies use to determine a pain and suffering settlement.?
Yes, pay you as close to zero, as possible. Always ask for 3 times the amount when filing an insurance claim . Typical initial...
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How many cars are currently in the US?
Number of Cars in the US According to the gentleman I spoke with at the U.S. Department of Transpotation Statistical Records...
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Is it necessary to carry uninsured motorist coverage in a no-fault state such as Florida?
Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin. Answer...
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Who is at fault when someone backs into you while driving in a parking lot?
Parking Lot Accident There are several things to consider in a parking lot accident like this one: Where is the...
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What rights do you have if you didn't report an accident to the insurance company right away?
One, the other driver is clearly liable for your son's damages. Even if your son's car was illegally parked and unoccupied, he'd...
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What does an insured driver do when hit by an uninsured driver?
Uninsured drivers When I was hit by an uninsured motorist and it was their fault, my insurance company paid to fix my car. It's...
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How much do rates go up after an accident?
I just had an accident and I have Allstate insurance. I'm fighting the citation I got so I have no points as of yet, but they...
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How much money should you get from a car accident for pain and suffering?
first of all it depends on what type of treatment you are doing and for how long. and it is not incorrect to say that the...
Popularity: 168 • Tools: Recategorize
Whose insurance pays if you are driving another person's car with them in the vehicle?
Car insurance As always, a lot of it depends on your aunt's auto insurance. But unless your aunt has a very restrictive...
Popularity: 164 • Tools: Recategorize
Who's responsible for hit and run damage?
The question is, 'who's responsible for hit and run damage?', The 'runner' would be responsible of course, but if they 'ran'...
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Can you repair your car if the insurance company declares it totaled?
Repairing a totaled car You don't mention whether or not it's your own carrier or the carrier for another at-fault driver...
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Who is at fault in an accident when backing out of a parking space?
Backing out of a parking space The person backing up is at fault, they have a greater duty the fact that the person is driving...
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What happens to a car that's declared totaled by the insurance company?
If you want to keep a totaled car, the insurance company will determine the salvage value and deduct that from your settlement...
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What happens if an uninsured and unlicensed person has an auto accident?
If an unlicensed driver is involved in a automobile accident, they are, by default, responsible due to the fact that they are not...
Popularity: 153 • Tools: Recategorize
What if a driver with a learner's permit has an accident who is responsible for damages and injuries?
Depending on how old your niece is, she may be exclsively at fault. Did you have your own insurance of full coverage? If so, and...
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If you are in an accident and you have no insurance what will the bank do when they find out your car is totaled?
The lender has several options but the one you will be concerned with is: SUE YOU for the money. Depending on how long you didnt...
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How do you handle the insurance after a 'hit and run' when you took down the license plate number?
from a General Agent There are no ifs ands or buts,, You should always make a police report after a Hit and Run incident. a Hit...
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What happens if you have no insurance but the other driver was at fault?
No Insurance, But Other Driver at Fault Generally, the same thing that would happen if you did have insurance. Although every...
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If you rear-end a car that brakes suddenly who is at fault?
You were at fault in this accident. You are required to maintain control of your vehicle at all times, regardless of road and...
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If an insured driver wrecks an uninsured vehicle who pays?
I was recently in an accident & had no insurance. The person that rear-ended me was 100% at fault, which he admitted at the...
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How can you get someone's auto insurance information if they are at fault in an accident and refuse to give it to you?
I'm assuming there was no police report filed, so you will have to do the work yourself. Get a lawyer and an investigator and...
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What is an 'at fault' accident?
It means that you are literally at fault for damages incurred from the accident, including other vehicles, municipal/state...
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Are you at fault if your car was forced to hit another car?
At-fault accident No, if the facts of loss occurred just as you described them, you wouldn't be considered at fault. The key...
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Who is at fault when someone backs into an illegally parked car?
The driver is responsible for the full damages. Your car is motionless. A prudent driver driving reasonably should look into a...
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Will insurance companies pay a claim if the insured driver did not have a valid drivers license?
Yes, my daughter had recently given her boyfriend permission to drive her car. He had an expired lerners permit. He had also...
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How do you deal with an insurance adjuster after an accident?
Insurance Adjusters Here's a funny, yet very wise interpretation of how to deal with an insurance...
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Who is at fault when you are backing out of a parking lot space?
Parking lot accidents often make insurance adjusters roll their eyes and say, "Everyone's at fault." This is unfortunate, but...
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How do you appeal a claim against you by your own insurance company's claims dept when you can prove you were not at fault?
Something similar happened to me. My own insurance company was actually going to just pay the other person's insurance company...
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How do you make a hit-and-run driver's insurance pay when they can't find the driver?
You would need to provide the other carrier with enough evidence -- police report, witness information, etc. -- to convince them...
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Will your insurance premiums increase if you make a claim after an accident that wasn't your fault?
Insurance premiums This is a difficult question to answer, because really it depends on your carrier and, possibly,...
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What do you do when the other driver's insurance company refuses to pay?
Gather up all your documentation , then file a small claims case against the driver in the county they live in . If the courts...
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Who is at fault if a car is rear-ended while backing up?
According to state farm, the person backing up has the greater responsibity to make sure the road is clear before backing up (I...
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Will your insurance rates go up if you file a claim for damage that's entirely not your fault?
With most companies, yes. Answer I disagree with the first answer. If your claim for damage is the result of an accident that...
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Does a passenger in a car accident have to file a claim with their own insurance company?
When a passenger is injured in an automobile accident, and the driver of the automobile of which he/she is the passenger of, is...
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How can you obtain a rental vehicle after an accident that wasn't your fault?
It sounds like you are starting to get the insurance adjuster run around. Of course it is the responsibility of the driver that...
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If you drive on a learners permit without an adult in the car and get in an accident will insurance pay for the damages?
No, insurance will not pay if your parents have not placed you on the policy yet. You may also want to check your state laws. ...
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Can you get another new car instead of repairs if your brand new car is in an accident?
That depends mostly on how much coverage you elected, and with the average ammount for such a new vehicle you described if the...
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Does the at-fault driver with full coverage insurance pay for the other car?
No Answer The person who is at-fault is responsible for your damages. His insurance will pay for everything. Tow, rental,...
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How much will your car insurance go up if you damage someone else's car?
It really depends on the amount of damage, your past driving record, any extenuating circumstances (like driving under the...
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Are you responsible for an accident if you own the car?
Mostly it depends on the responsibility laws in your state, and whether or not you're required to carry liability insurance on...
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How long after an injury does an insurance company have to pay for lost wages?
That should have been noted in the release forms that all insurance companies require an injured person to sign. If it was not...
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What do you do when the driver at fault later denies being at fault?
If you have comprehensive coverage, you should have collected from your insurance company. Then the two companies can argue...
Popularity: 128 • Tools: Recategorize
Whose insurance is responsible in a three car pile-up hit and run?
I have been in multiple car pile-ups twice. The first time I was the car in the middle of three cars, and the second time I was...
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What do you do when the at-fault drivers insurance company will not call you back?
Answer Get a different lawyer. Call the Insurance Commissioners Office for the state in which you live and file a complaint....
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Who is at fault if both drivers make mistakes?
I would fight anything less than 100% in your favor. Simply going against the layout doesn't reach the level of negligence, in...
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Can you appeal a police report if they didn't consider your view of the accident?
Without full coverage on your vehicle, it looks like you're going to be doing all the footwork for your accident. But, even...
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Are you at fault when you run into someone while you are making a left hand turn?
It depends on if you are making a left turn at the intersection with a green arrow or not. Oncoming traffic always has the right...
Popularity: 125 • Tools: Recategorize
Is it legal to not get your car repaired after the insurance company paid the claim?
It is legal as long as you don't have an outstanding loan on the vehicle, if your insurance company paid the claim, and you keep...
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Do you need an attorney if the other party was at fault and they have auto insurance?
In most cases you do not need an attorney where there is only property damage and there is no dispute over which driver was at...
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Are you responsible if someone borrows your car without permission and gets in an accident?
The owner's insurance will pay if he has collision coverage. It Doesn't matter who was driving. the owner will have to pay the...
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Should you report an accident that wasn't your fault if you do not have insurance?
Of course. If, as you say, the other driver is completely at-fault, that driver's insurance would still owe for your damages,...
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If you are not wearing a seatbelt are you responsible for your injuries in an accident that wasn't your fault?
The other driver may be 100% liable for the damage to your vehicle, but not wearing a seat belt contributed to your injuries, so...
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Who is responsible if your vehicle is stolen and then chased and hit by the police?
If you did not purchase comprehensive coverage you are out of luck. I'm no lawyer but I suppose you could sue the parents of the...
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Does your insurance company need to inform you when you've been found to be at fault for an accident?
Perhaps some states require such notification but I have never been required to notify insureds of my liability determinations. ...
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How can you get cleared if you are not at fault in an accident but the other driver's insurance company claims you are?
If you are not satisfied with the insurance companies, then you will have to go to court, which can be very time consuming and...
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Can an unsubstantiated claim of hit-and-run change the liability?
Insurance companies are funny about "phantom vehicles." Some ignore them entirely, while others base their entire liability...
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If another driver has an accident in your car will your insurance company add that driver to your policy?
The other driver is not "added to your policy". However, the other driver will be covered by your policy for this accident...
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How do you get auto insurance without a license?
You can't legally drive without a driver's license. But assuming you own a vehicle that you still want to cover for physical...
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Will your premiums go up if you were involved in an auto accident but were not at fault?
No. The person is only penalized when they are the one at fault. It will not affect your insurance coverage. Answer...
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If someone backed into a truck in a parking lot who is at fault?
"Since she backed into me and was moving is this her fault or both our faults because the parking area is to small for my...
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Are you liable if a third party has an accident in your car?
This question causes more arguments between policy holders and insureds than you'd believe. But, yes, your insurance would cover...
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Can you get a second quote on a car that's declared totalled?
Yes, but the terms of your policy probably clearly state that the insurance companies decision is final and binding. So to get...
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Do you need to go through your insurance company if the other driver was at fault?
Without more specific information, it's difficult to answer all of your questions. But, here we go: 1. If the other carrier...
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What do you do if the driver who hit you does not agree to contact their insurance company?
If you have their driver's license number or the license plate number from their car, you can call the Division of Motor Vehicles...
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How long does it take to determine who is at fault?
It is difficult to determine liability in parking lot accidents. There are often no clear lanes of travel, traffic controls or a...
Popularity: 109 • Tools: Recategorize
Will your insurance cover an accident from before you owned your car?
No, it's highly unlikely your insurance company would cover damages to your vehicle that occurred prior to your policy's...
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Can your insurance premiums be raised in a tort liability system if you are not at fault?
Doubt it. Contact policy services for your company, or your states dept. of insurance.
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What is the definition of negligence?
The legal term is "failure to use a reasonable amount of care when such failure results in injury of damage to another". An...
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If you own the car but do not drive it are you liable for accidents?
Your situation could result in a lot of quirky scenarios, so you're being very smart to ask these questions before...
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Who pays in a no citation car accident?
The insurance company for the first car that spun out of control will not be liable to either of the cars involved in the...
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How do you start a title insurance company in New York City?
First and foremost you need money - anywhere from one hundred thousand dollars to two hundred thousand dollars. But more than...
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If your car is parked and your passenger opens the door right into a truck attempting to go around you who is at fault?
This type of claim can go either way. It could be said that the passenger should have looked before opening the door. It could...
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How do you file a claim to collect for damages if the responsible business has gone bankrupt?
Even if the company is now bankrupt they probably had insurance when they were in business but you will have to find out the...
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If you have an accident with an unlicensed uninsured driver what precautionary measures should you take?
Well assuming the driver wasn't taken to jail you do have legal rights. Contact an attorney to discuss your options pertaining to...
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Does the insurance of the party at fault cover damages if the other party does not have a valid drivers license?
Yes, the claim will be paid. While your brother may receive a ticket, he is still entitled to compensation for the loss.
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If you were driving your friend's uninsured car and he was in the car too who is responsible for damages to the car you hit?
You are. If the insured person chooses to make a claim and the claim is paid. The driver is still responsible to reimburse the...
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How do you find a hit-and-run driver's insurance information knowing his plate number and drivers licence number?
You give it to the police and they will deal with it. Or your insurance company will deal with it.
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Are you entitled to 'pain and suffering' from a rear-end accident that caused injury?
Yes, a person who is not a fault and was rear-ended by a huge soft drink trunk to the point that it drove into the trunk and back...
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What can you do if the other driver's insurance company is low-balling the value of your car?
You have rights, unfortunately you have to prove that your car is worth more than what they are offering. Low miles, clean...
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If you hurt yourself inside of your car but the car is in your driveway and not even running do medical claims go through car or health insurance?
I would say health insurance. And before if not, then maybe home owners or renters insurance. Car insurance would be the least...
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What can you do if the person at fault in an accident claims to have no insurance?
If your insurance company pays you, they will sue the at-fault driver and hopefully collect or force them into bankruptcy.
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Who is liable for damages above the maximum limit on your policy when you are not the driver?
The driver of the vehicle would be considered as secondary. Say you own a car, and are insured with company X. You let a friend...
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Do you have to pay taxes on money you received in a car accident settlement?
General guidelines: If the money you receive is to replace taxable income - loss of wages, for example - then there is a...
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What can you do if you got hit and it wasn't your fault but the other person didn't have insurance?
You can take the other person to court and hopefully get a judgement against them. But even this is no guarantee you'll ever get...
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How do you fix a vehicle immediately after an accident while waiting for the claim to be processed?
It depends on what kind of coverage you got, and what your policy says the insurance obligation is. Answer Be sure to...
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If someone runs into your car do you have the right to have it fixed with all new parts?
Really genius? I work for a carrier and that's not true. If you're car is a 1997 why should we pay for new parts when your car...
Popularity: 74 • Tools: Recategorize
Who is at fault if you are in a parking spot and another car pulling in hits your door when you open it to get out?
Yours. There is no way for the other car to anticipate you exciting your vehicle, but you could have checked if a car was...
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If you hit a parked car do you file a claim or does the owner file the claim on your insurance?
In most cases, either of you can make the claim. Liability is clear here, so most likely your carrier will take the information...
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How does the insurance company decide whether to total or repair the car is there a formula?
I would like to piggyback on this question with some details of my own. Is there any damage that would automatically total the...
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How do you start a lawsuit after an auto accident?
You should see a lawyer because it can be quite complicate and you can suffer from your injuries further down the road. Pick...
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