Auto Insurance Forum

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Share your doubts about auto insurance, its coverage types and policies and get expert advice for free.

Backed into
by Guest »
Guest

Hi, new user here, but had a question about a claim. On july 16th of this year, I had total shoulder replacement, cut from shoulder blade to chest, not arthroscopic. But a week after the surgery, on my way to therapy and in the therapists parking lot as i pulled in, a man was stopped and on his phone. I stopped about 30 feet behind him and was going to go around when he jammed the gas, striking the drivers front of my vehicle with his passenger rear. He must not of realized he hit something because he gunned it again and literally lifted my truck up off the ground.

Cheap car insurance
by Guest »
Guest

Hi,
Insurance is the recovery of the life. Now insurance us all type life insurance, medical insurance but here i am for discussing about auto insurance. You all people know about that how important a vehicle insurance. The vehicle insurance provides you recovery arr the damage of the vehicle i an accident or other. if you have car insurance then you can get the claim of you car or motorcycle which helps to recovered your loss. and you again live a confident life. so [link removed per TOU] is the company which provides you all auto insurance.

what does 70% after deductible mean?
by Guest »
Guest

In the plan that I'm looking at, it says "$30 copay for 3 visits, then plan pays 70% after deductible". Does that mean that I will have to pay the full doctor's office price for visit 4+ until I have paid all of my deductible -- then after I have paid all of my deductible of say $3000, then the insurance company will pay 70% of doctor visit costs?

Car does not qualify as a pre certified after unibody repair
by Guest »
Guest

Hi,

I was recently involved in an accident in my Mercedes C300. The other party did a left turn right in front of me and I t-boned her. There is substantial damage to my car including unibody damage (driver side rail). The other party's insurance company have accepted 100% liability. I am located in California.

The adjuster is currently saying that it is not considered a total because the current damage only comes to 57% of the value of the car. I worry that the car will never be as safe and that it will have a diminished value.

Totaled cars - Dealing with unfair adjusters
by Guest »
Guest

If you are not satisfied with how the insurance company is determining your car to be totaled, you need not panic. There is definitely a recourse from this.

When is a car considered totaled?

When your car gets involved in an accident that may or may not be your fault, it can be termed totaled if:
  • The cost of repairing the damage is more than the value of the car
  • The car cannot be repaired after the damage incurred from an accident

In such a case insurance companies usually offer to pay you the actual cash value (ACV) after subtracting any deductibles that you have.

Some companies total cars at 51% of its actual worth while there are others who total a car at 80%.

Can you have your totaled car back and get it repaired?

The answer to this could be both 'yes' and 'no'. While buying insurance you sign a contract with your insurer that you cannot compel them to pay you more than what your car is worth. However, you can request your insurance company to give you back your car. They will still pay you for the car and in this case you will get the ACV of the car minus the deductibles and salvage value they would have got at the yard. What you can do on your part is that check out with different repair shops about the actual cash value of your car. This way you can make a comparison and see if the car insurance company is being fair in determining the ACV of your car.

If you want to buy back a totaled car, it is your responsibility to get it repaired. This may not always be a wise decision to make because the cost of repairing a car can be huge and the money you receive from the insurance company for your damaged car may not be sufficient. Some states may require you to buy a special salvage title or may simply want you to have an inspection done on your totaled car after repairs. Some companies may even refuse to let you have the car because it will fetch them handsomely at the yard.

So, if you want to have your car back you must take a quick decision and ask the company to return the car to you. Once the car goes off to them you may have a hard time recovering it.

Can you insure your totaled car after repairs?

Mostly insurance companies do not seem eager to insure a totaled car that has been fixed. But some insurers do agree to have your car insured for a high price only after the repair has been done and the car is back on the road and has passed the DMV inspection.

What if the insurance adjuster wrongly values your car?

In many cases you may feel that the adjuster has put the wrong totaled car value on your vehicle. In this case you may hire an independent appraiser and get him/her to do an inspection of your car. The costs of hiring must be borne by you. Ask the appraiser to get you everything in writing and you can place that in front of your insurance company.

If you disagree with what the insurance company determines as the value of your car, you may seek from amongst the 2 options:
  1. Arbitration
  2. Litigation

In arbitration you and your insurance company can place the facts in front of a third-party arbiter. If it is a binding arbiter then the decision of the arbiter will be final. If not then you can still take your insurance company to court.

Related readings

Hi I have a very unique case. I own a very unique car and I am very attached to the car. It is not replaceable, otherwise I love to start refresh.

Damage is actually not bad, but due to cost of parts for exotic cars. The insurance adjuster declared the car total loss due $44k estimated repair bill. I believe they have overestimated the bill. The repair quote I got from other shops are nearly 50% of that. Their argument is that they have to use all brand new oem parts. I have AAA insurance.

My daughter has uninsured insurance through Geico. She was d
by Guest »
Guest

My daughter has uninsured motorist insurance through Geico. Today she was driving her brother's car and had a wreck. The police officer fined her $500.00 because there was no insurance coverage on the car. Since she does have insurance, won't this cover the accident? Her brother was on his way to get insurance, but the tag agency was already closed. What do we do now?

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