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Auto Accidents and Insurance Claims
Total questions 10100
If you are involved in an accident with a person who has no insurance and they are at fault does your insurance pay for repairs to your vehicle if you only have liability insurance?
No, Liability Insurance is just as it says, Liability only pays for damage you cause to another. It will not pay for damages to...
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Can you sue an uninsured person in an auto accident if they were at fault for your deductible and doctor bills?
you can sue anybody for anything . the magic question is can you win , if you do can you collect and will it cost less to win...
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How do you dispute a police report regarding a rearend collision not based on in-depth investigation measurements or angles with only one prejudiced witness?
1 or 2 things you can do. 1) ask the insurance company to get an independent adjustor/investigator to review the facts. 2) Hire...
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If someone changes lanes in front of you cutting you off and you hit them in the back who is at fault?
depends on if they changed lanes safely or not(used their turn signals and changed lanes when safe to do so ) If they did you are...
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What are your options if your private property was damaged by someone else during an auto accident?
file and pursue a claim or dont. If you do file , file a police report, get a copy of the report and have your property...
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Will you be liable if your 17-year-old son is at fault in an accident?
It's not so much that you're "liable" as it is a question of how this will affect the ratings on your insurance policy since...
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If a friend borrows your car gets in an accident does your auto premium increase?
It could, depending on the seriousness of the accident, payments made, past history, etc. Since insurance follows the car,...
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Are you required to fix the body damage after collecting the insurance settlement?
Usually "no," unless... 1. You have a lienholder/bank on the draft, at which point they'll probably want it repaired before...
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If you get in an accident while driving a friend's car will her car insurance go up or just yours?
In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the...
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If a highway construction worker waves you into an intersection and you are struck by cross traffic is it your fault?
There are a lot of scenarios here and you have given very little information. I am not an attorney but generally speaking either...
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If your uninsured boyfriend was driving your insured car when another driver hit you will the other driver's insurance still cover the damage to your car?
They should I'm going through a similar situation right now and the other guys insurance co. is dragging their feet. We obtained...
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Does the towing company's commercial insurance cover a customer's vehicle if it is on the bed of the tow truck and an accident occurs that is the tow driver's fault?
normally yes if your car is damaged as a result of the accident while the tow companies driver is operating the tow truck, and...
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If your insurance has agreed to a settlement but you feel the dollar amount is not enough can you refuse the settlement?
You may want to try and sue the party first, if you except what the insurance company offers you then that is an admission of...
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If you are at fault and the insurance company totals the other driver's car for five hundred dollars but the repairs would cost two thousand do you have to pay the other fifteen hundred?
Usually not.
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If someone hit your car in a parking lot and left do you have to pay a deductible?
yes if you are paid under the collision coverage or uninsured motorist property damage coverage (only applicable coverages for...
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Does a totaled car have to be taken to an insurance's total loss department to be assessed and valued?
Insurance companies send claim investigators to wherever the car might be. The agent takes pictures and makes out a report, that...
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After being involved in a hit and run how do you find out if the vehicle's owner has insurance and who the carrier is?
Your own insurance carrier & the police will handle this. Of course if they never find out who hit you, then you will have no way...
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If your car spins out and hits the divider on the freeway then a minute later a taxi cab hits your car who is at fault?
You are responsible for the first collision, the taxi might be responsible for being unable to control his vehicle but that would...
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If your auto is damaged in a hit and run while parked in the driveway should you use the personal property rider on your auto insurance to cover it?
That would be considered a hit and run which would fall in the comp/coll portion of an insurance policy
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If you are rear-ended and forced to hit the car ahead of you who is responsible in California?
The vehicle behind you. Even though your car made contact with the front vehicle, if you're forced into the front vehicle, you...
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If your girlfriend gets into a wreck while driving your secondary car are you responsible if you do not have insurance on that car?
Yep. Both of you are, in fact: her as the driver, and you as the owner. And if your state requires you carry liability...
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Who is 'at fault' when car A rear-ends car B if car B is in reverse on a highway?
Car A will be to blame unless they can manage to get strong proof that car B was going in reverse along the highway. The cops go...
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If your parked car was involved in a hit-and-run with damage less than your deductible and you filed a police report do you have to notify your insurance?
No. But they won't pay for it of course. =)
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How would you file an insurance claim when you only have the name number driver license and license plate of the woman who was driving her friend's car?
1 File a police report and ask the police for a copy of the report requesting the name and address of the owner, the insurance...
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After a car wreck can you pay for an appraiser to appraise the value of your car 'prior to the wreck' so as to get more money from the insurance company as the car's value is significantly higher than the blue book value?
Well, when you get an high priced or classic vehicle insured, the insurance company will usually ask for an appraisal or...
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If you hit someone jaywalking who is at fault?
It sounds like it would depend on the circumstances of the accident. I noticed you used the word "jaywalking". I assume that...
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Does no fault Insurance apply to medical claims only or is the collision damage 'no fault' also?
No fault medical coverage means only that the coverage will pay for an insured's injuries no matter who was at fault for an...
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If both drivers in Alabama are uninsured and no one was injured and only citations for no insurance who pays for car damage?
You both pay for your own damage.
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If you totaled your car and were arrested for DUI will insurance pay for your car in Texas?
Probably not. You damaged it during the commission of an illegal act (DUI). If you hadn't totalled it, the state would have...
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Can one party sue another if an auto accident was on private property and no police report was filed and no statements were signed admitting fault?
You can sue, but it really will end up being a "he said" "she said" scenario and may end up that everyone has to pay for their...
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Will comprehensive cover the damages to your car from hitting a deer?
If you hit a deer, that's a collision and is paid out from your Collision coverage. Comprehensive is for Physical damage done to...
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If you are not at fault and the police report and witnesses prove this do you still pay your deductible?
You do not have to pay the deductible if the other person's insurance is paying the claim. If you put the claim through your...
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How do you prove that your car was damaged when it was hit by an SUV if the insurance company claims otherwise?
Assuming either your insurance carrier or the other carrier has already inspected both vehicles to obtain measurements, evidence...
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How can you find out if the person who hit you has insurance?
Call your local DMV
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Who is responsible for an accident if a 24 year old insured driver is teaching a 15 year old how to drive?
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If you are driving without insurance and have an accident in which the other driver is at fault can you claim damages from his insurance company?
Yes you can. You may still receive a citation for not having insurance, however, the legal liability for the accident does not...
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How does a 21 year old with a learner's permit get insurance after failing to yield and causing a major accident?
Don't worry it is still possible for you to get insurance. As to how or how serious your charge is depends on the...
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Do you have any legal recourse if you were hit by an unlicensed and uninsured driver?
You always have legal recourse in situations like this. If you carry Uninsured or Underinsured motorist coverage, you can atleast...
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Who is at fault when a person opens their car door into traffic?
According to DMV vehicle Code 22517, it is obviously the fault of the guy opening door to the traffic. No matter the door is...
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What can a person do to pay for a vehicle damaged in an accident while their insurance was lapsed?
start making payments
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Who is at fault if car one has been pushed from a service ramp onto the main highway by car two?
Sounds confusing, but there seems to be a fair amount of fault all around. Was car #2 pushing a disabled vehicle onto the...
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How is it that a person could give a false name on a police report?
When we take a report, we don't always require positive ID. Of course, that depends on the nature of the report. When I arrest...
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Does the balance of PIP go to the policy holder if the injured party gets medical attention on there own policy?
No, I don't think so, but your claims rep will be able to answer this, it is state specific.
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Is it required either by law or insurance company to file a police report on an accident?
I can speak for the State of Indiana on this one. When two parties are involved in an accident and the TOTAL of damage to BOTH...
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If you rear ended someone and was arrested for DUI will your liability cover the damage and injury caused to the victim?
DUI Accident Liability Coverage Actually it depends on a lot of different circumstances. Was the insurance current without...
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Who is at fault if a car hit yours while you were backing up and tried to squeeze past you going too fast for you to stop?
Typically the person in the aisle has the right of way and vehicles backing out of a parking space are to yield to those in the...
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If you are a passenger in an uninsured driver's vehicle does that mean that you are not covered either if he has an accident?
If you mean are your medical bills covered -- and assuming your state requires medical coverage on auto insurance policies --...
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If you are injured in an incident that was the other driver's fault should you go to your insurance company or to the other driver's insurance company to file a claim?
This would depend on which state you live in, and whether or not your required by state law to carry medical coverage (PIP) on...
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Does simply reporting an accident to your carrier result in a 'strike' on your insurance record?
Probably not, particularly if your carrier doesn't pay anything out on the claim. Each carrier is different, however, and...
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If your friend is covered on your auto policy are you personally liable for any amount above what the insurance will pay?
both you and your friend are responsable whoever has more assets will most likely be the one who will have to pay the excess....
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If your underage child takes your car without permission and gets into an accident will your insurance cover it?
If you file a claim, I'd expect an increase in the premiums. It's not likely that the policy would be cancelled, unless this is...
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If your insurance company does not want to give you Fair Market Value for your totaled car is there anything you can do to make them pay FMV?
Insurance companies will not give you the book value for a vehicle, the will give you the market value. Which means they search...
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If your loaner car was totaled and you do not have insurance what should you do?
get a good job............you will (assuming you are at fault for this loss) be require to pay for the totaled vehicle.........
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What information or documentation is needed to file a third party claim for diminished value?
you must prove that there is true diminished value....contacting many (at least three) dealers for opinion, amount of damage, age...
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When a car is totaled which reference book should be used to determine the retail value of a car?
ACCORDING TO STATE FARM INSURANCE, THEY USE: EITHER WWW.NADA.COM OR WWW.EDMUNDS.COM BUT MAKE SURE WHEN YOU TALK TO THE TOTAL...
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If your auto is hit by a stolen vehicle who will pay for losses like deductibles and other expenses?
You/your insurance company. Let's be realistic, if someone is driving a stolen vehicle they are hardly the poster person for...
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If your car is worth 12K but you owe 20K on it will the insurance company pay it off if it is totaled in an accident?
You can only collect the fair market value or retail book value depending on the regulations as established by your state's...
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If you got rear-ended and got driver's license and plate numbers but you didn't get insurance info or phone number what should you do?
Contact your local DMV Answer Go to your local police station and make out an accident report. Also give the information to...
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After settling with the insurance company for a totaled car do you keep the car or does the insurance compnay?
Totaled vehicle Legally, if the company pays you for the totaled vehicle, it belongs to them. You can offer (if they don't)...
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Does collision insurance cover hitting a dead deer in the road?
We hit a dead deer once and then at another time a deer ran into the side of our van. Our insurance covered the damage but our...
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Can a person be awarded a settlement for injuries if they were at fault for an accident?
No Fault Insurance See the following Web site for a complete answer: http://en.wikipedia.org/wiki/No_fault_insurance
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Who is liable if you are driving straight down a parking lot aisle and someone hits you traveling right to left through the lot?
Without more specifics, it's difficult to answer your question, but here are some things to consider: 1. Were you traveling...
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If fault for property damage is admitted to by an uninsured unlicensed driver is there any remedy other than suing in civil court?
You can allow your insurance carrier to handle the damages to your vehicle -- assuming you have collision coverage -- and your...
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If your underage child has an accident and an extensive amount of property damage is done can you be sued for the damages?
Most likely, which is why it's nice to have high liability limits on your policy. If your son is insured on your policy, your...
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Does PLPD cover health bills for injuries related to an auto accident?
Ok, let's break it down: PL = Public Liability; PD = Property Damage. Payments that result from the use of these coverages are...
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Is the driver who rear-ends another car always at fault no matter why the front car stopped?
In most cases yes. It is based on an individual basis. For free insurance quotes. Visit www.Insurance4lessdirect.com. For home...
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Can you make a claim on your Personal Injury Protection if you had an accident in an auto that has no PIP if your other auto on the same policy does?
Yes, I think you can, (subject to state laws and policy exclusions), turn the claim in for the answer.
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If you hit an object and need your insurance to repair your car will your rates go up?
Depending on the size of the claim, it may.
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If a car that was reported stolen hits your car why would the stolen car's insurance company refuse to pay for damages?
Probably because the owner did not exercise normal precautions and by leaving the keys in the vehicle actually participated in...
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If you are a victim of hit-and-run accident caused by a rental car driver can you claim the damages from this rental car company directly?
You can only claim against the rental company if the driver took out their insurance. If he has his own separate insurance, that...
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If your tire blows out and you hit a telephone pole how much would it cost to replace that pole without going through insurance?
alot telephone poles are like $20,000
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What happens if someone borrows your car and wrecks it without a license?
Find your answer here: ciia.com Answer When it doubt, ALWAYS ASK to see a valid driver license before handing them the...
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What happens if you are hit by an uninsured person?
If you have "Uninsured motorist" on you policy, that should cover it. It should be as much as you are allowed to have becuase...
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What do you do if you are uninsured and rear ended by a company vehicle and the driver does not want to contact their insurance company?
Call the police and/or the company that owns the vehicle
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How do you get your insurance company to repair a new vehicle with new original parts instead of used and aftermarket parts?
It is illegal for a body shop to repair a car with used or reconditioned parts, unless the owner of the vehicle gives written...
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What can you do if you have only liability insurance and your parked car is hit by an unknown driver?
Unles your daughter has collision or UMPD coverage on her policy, there's nothing the insurance carrier can do for you. In a...
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If a car stops to avoid hitting a cat and you rear-end it are you 100 percent at fault?
That's pretty much the way it goes unless you can show that the other car cut in front of you AND stopped. You are always...
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Who is at fault if driver A spins out on freeway in heavy rainstorm and a speeding driver B loses control to avoid A and collides with Driver C?
Based on my experience investigating traffic collisions in Ca. I'd make the following conclusion based on the limited info...
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If you have liability insurance only in a no-fault state and you were rear-ended and vehicle totalled who pays for the replacement or repair of the vehicle?
Michigan's no fault law is really a pain. If you only had liability insurance, even if you weren't at fault, you're responsible...
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If someone drove your car without permission or a valid driver's license and hit another car and totaled your car will the insurance company cover it?
Yes, in most cases, but have mercy on the person that took your car. The insurance company will go after them
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Will your insurance company pay for the damages from hitting a deer if you have PLPD?
The only intitlement of monies will go to that deer, for the deer is someones property(state)and your insurance company may have...
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If a driver changes lanes and causes you to run off the road to avoid hitting him and possibly causing a pileup is he responsible?
Possibly. It depends on the circumstances of the incident. When you ran off the road did you hit anyone else? If you did...
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Do premiums increase when you have a comprehensive claim?
generally no , unless you were negligent and your negligence led to a comp loss-for example if you left your keys in the car and...
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If you drop your insurance does the insurance company have to keep you insured under a special pool if you let them know you'll be driving uninsured?
Absolutely not. If you aren't payin' you aren't gettin'! You are uninsured. There's no such thing as a "special pool". ...
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Who is at fault if backing out of a parking lot space and a speeding car clips your rear corner?
What part of your rear did they hit? Side ? where from the rear wheel in front or behind? Or flat on the bumper? You will still...
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What can you do if you are involved in an accident was not your fault and the other driver has no insurance?
if you have collision coverage file under that then your company will subrogate the uninsured driver...if no collision coverage...
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How do you negotiate with an insurance company after a vehicle is totaled?
Knowledge is power! Do you home work, know what your vehicle is worth prior to discussing a settlement with your insurance...
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Is the driver at fault insurance company responsible to fix your car at a body shop of your choice using only OEM parts?
You will have to check your state law on this. If it is a no-fault state. Then your insurance will repair your vehicle and then...
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Are parking lot accidents fifty fifty?
That's a pretty general question and laws vary from state to state, but in Florida (and I believe in general), any accident that...
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When driving with a learner's permit and involved in an accident whose record does the accident go on?
The actual driver. Unfortunately, if the driver is your kid, and you're adding your kid to your insurance policy, it could...
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Who is at fault for insurance purposes if the driver you hit has no license and is charged with hit and run for leaving the scene?
If you caused the accident, you owe for the legal liability, the other matters are civil & not involving the liability portion of...
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If you crashed a company vehicle because they hadn't changed the worn brake pads and tires whose fault is it?
The vehicle belongs to the company, and so does the liability that arrives out of it. It was your fault for driving the vehicle...
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How much damage does there have to be to classify a car as totaled?
Usually over half the price of what ever the car is in blue book.
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Are you liable for anything if someone hits you and runs away?
Unfortunately yes, if you werent able to get the plate # or anything identifying the other driver. You would then go to your...
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Will your car be covered for a total loss if you are the passenger in the car and the driver gets into an accident and you have full coverage?
It will definetely be covered if the person had a drivers license and insurance on their own vehicle...but it should be covered...
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Are you entitled to compensation for pain and suffering and depression when there was no other vehicle involved and it was ruled an 'Act of God'?
One, do not seek legal advice here and expect to get quality advice. And two, the question is too general. I have to know what...
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How do you find out the depreciation of a car that was involved in an accident earlier?
Was it repaired to pre-accident condition? If so then really no depreciation right? There is a lot going on now with respect to...
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What happens if the insurance company issues a check to you the owner of the vehicle rather than to the body shop or the lienholder and you spend the money thinking it was a refund of the diminished value?
Then you have to pay for the repair.
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Does a co-owner of a vehicle who has never driven the vehicle have accident liability if his only reason for being on title was to get the vehicle financed?
You bet. If the other owner of the vehicle doesn't carry insurance on the vehicle -- or lets it lapse -- and has an at-fault...
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If your insurance company says your car is a total loss but you want to have it fixed can they charge you a salvage fee to keep your own car?
Any vehicle, whether a total loss or not, has a value. A totaled vehicle, of course, has a significantly lesser value (assuming...
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