There is no meaning in questioning the car insurance company.

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PostPosted: Thu May 22, 2008 11:39 am   Post subject:   

Yes, you have buy collision and comp they are not required by any state, but all lein holders require them...Agents will ask you...and you don't buy an amount on these coverages, the amount is the ACV (actual cash value) of the vehicle, you do chose the deductible...

Quote:
"torque" that
I think you maybe meant 'tort' some states require this decision....all states are different but it pretty much means you either retain or give up your right to sue the other party.


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PostPosted: Tue Jun 03, 2008 11:37 pm   Post subject:   

I ofetn wonder why a person carrying insurance would for go full tort. I elarned this lesson a while back. Is there much of a price difference in insurance if you opt for full tort?

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PostPosted: Wed Jun 04, 2008 10:05 am   Post subject:   

Yes, as I understand it there is a HUGE difference in premium..



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PostPosted: Wed Jun 04, 2008 10:48 pm   Post subject:   

After what I have been through I will never go without it again. Sometimes a person thinks just because they are a cautious driver nothing could happen to them. Most usually find out at one time or another accidents can happen to anyone. Just recently changed my own med coverage. Living and learning something new everyday...sometimes the hard way.

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PostPosted: Sat Sep 27, 2008 3:40 pm   Post subject:   

Where the customer should ask all the questions, there are many times that they simply don't know what questions to ask.



A good insurance agent will explain every bit of your policy to you.



Also, you still haven't told us if the uncle had insurance - like someone said, no proof of insurance doesn't mean no insurance. Plus, even if the driver didn't have insurance but the uncle did, there is still insurance.



What else has your insurance company done besides send you a check?



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PostPosted: Sun Sep 28, 2008 6:24 pm   Post subject: hi  

i think thats your fault that u didn't take the health insurance at time time of car insurance that most of the policy takers make a mistake.

it's just like keeping ontiment after burning.

nothing u can do i think so.



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PostPosted: Mon Sep 29, 2008 10:54 am   Post subject:   

Yes, I agree with him. There is no meaning in questioning the car insurance company. It is your fault, moreover I don't know what made you to take emergency room. For your health benifite go get a health insurance.



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PostPosted: Mon Sep 29, 2008 11:16 am   Post subject:   

hi kiran and simplosys, you both are right on the account that its was the fault of the policy holder not to carry health insurance for his benefits , however, its not true that he can't get any benefit from the auto policy. If its clear that the other driver was at-fault, he may receive compensation for his medical expenses from the other driver's insurer. Also if he has the PIP coverage, you can seek coverage under his auto coverage provider. I don't understand his necessity to sue the insurance company though.

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PostPosted: Wed Oct 01, 2008 11:07 am   Post subject:   

If you are from the State of PA and even if teh accident wasn't your fault your auto coverage has to pay the medical bills and when that runs out it goes against your own personal health insurance. Your health insurance can then turn around and ask the at fault party for reimbursement if you sue the other driver. It can get really expensive especially if you have serious injury.

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PostPosted: Wed Dec 09, 2009 9:58 pm   Post subject: Auto Ins.  

I was in an accident, not my fault. Other person did not have ins. My insurance company offered very small amount. Although my car was 5 years old was in excellant shape with only 58,000. 2004 Grand Am. They sent me an amount based on what they said my car looked like and listed that it had been repainted, headliner torn, dashboard cracked, burn holes, tires no good. etc which not one of these is true. I work at a car dealership and they had seen my car, wanting to purchse it from me to resale as it was in such good shape.

I had just put new tires on (have receipt) and had it in at the dealership where I work for oil change where they said it was in good shape. The insurance company told me that they did not use dealers or kelly blue book to get a car value figure. They told me they used the Greensheet (newspaper where people sell things to get quick cash) They also did not look at my car for 10 days after the accident and it had been moved by them 3 different times to other locations. They also told me that the value of my car was based on the area where I live, but instead of using the cars from this area sent me another list (dealers this time) from every other llocation except where I live.The list of what they have tried to pull goes on and on but this is the basics. I have kept all documention and have had to pay someone to use their vehicle. I now want to sue for all damages and money I've spent

THANKS FOR ANY HELP SORRY THIS IS SO LONG


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PostPosted: Thu Dec 10, 2009 1:18 pm   Post subject:   

Ok, well this statement

Quote:
was in excellant shape
does not jibe with this statement
Quote:
they said my car looked like and listed that it had been repainted, headliner torn, dashboard cracked, burn holes, tires no good. etc
These are really black and white items...
Quote:
which not one of these is true.
It either has these condition problems or it does not...I can't imagine them saying, deducting value on these condition issues, and not being true...what possible reason would they have for that? You can bet they've taken multiple photos of this damage.



It's been my experience that people rarely pay very close attention to their vehicles and the vehicles condition until something happens...I've had people tell me the same thing..then I ask them to meet me at the car, I show them these condition issues..and half the time they act surprised, but usually they say things like, 'well those 20 cig. burns in the seats don't lower the value' Yes, I'm afraid it does...are you going to pay more or less for the same vehicle if the headliner is falling down or if it's fine? Of course the vehicle with the damaged headliner is worth less...



Ask them to send you the pictures of this unrepaired prior damage or better yet, meet them at your car..



I'm not familar with this 'green sheet' approach to determining a vehicles ACV. No carrier is going to use KBB, some use NADA..others have different computer programs (ie ccc etc). You need to verify they have your vehicle and it's options correct. Then verify the comps they've provided.



I think your first battle needs to be to get this prior damage off the evaluation if what you say is true, and these 'issues' are not on your vehicle..(i'm sorry I really find that hard to believe..if you're right and they aren't on the vehicle..be sure you have a copy of their prior damage estimate..because this is severe bad faith)



How or why would you vehicle have been moved three times?



What state are you in? Some states have statutes in their insurance regulations stating how an ACV must be determined..


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PostPosted: Thu Aug 12, 2010 5:49 pm   Post subject: accident  

I was injuried in a car accident, i was the passenger. The car i was in was at fault. I had to be rush to the ER in a ambulance with lower back pain. My bill was 1500 dollars I dont have health insurance. I haven't been able to work cus of the injury, don't have enough money to go to the doctor. Can i sue?


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PostPosted: Thu Aug 12, 2010 8:08 pm   Post subject:   

Before you "sue" anyone, have you filed a claim with the vehicle owner's insurance company? Until you've done that, and been denied, you cannot sue.



If the owner of the vehicle in which you were a passenger did not have any auto insurance, then you must first make a demand for payment from that person, then you can sue if the demand is not answered.



If you have incurred medical expenses and lost wages, that's what you may claim as damages. What is the diagnosis and prognosis for your injury? Are you going to be permanently disabled? Did the ER doctor take you off work (unlikely, normally they refer you to your own physician for that)? Did your physician take you off work? Or did you just decide on your own that you can't work?



If a physician has not taken you off work, and you simply decided not to work because you were "hurt", your lost wages may be water under the bridge -- that is, uncollectable.



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PostPosted: Thu Aug 12, 2010 8:10 pm   Post subject:   

sure you can, after all it's America, land of the free, home of the brave, and we sue everybody!! But why would you need to? Have you not turned in a claim to the drivers insurance company? If not you need to...



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PostPosted: Sun Aug 22, 2010 2:23 am   Post subject:   

i was in a car wreck the other person hit me while i was on a red light turning left she was turning right however it was determine she was at fault her insurance company stop paying for my rental and my cal is not ready it is still in the shop what should i do rental company wants me to pay for the rental


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