Car Insurance Forum *Now Open for New Questions!

• Is it a better idea to deal with the other driver's insurance company by myself?
• Why should I have to pay a $500 deductible and put this through my own insurance company?
• In Alabama, what is the penalty for not having auto insurance when you get stopped by the police?
• Do you know of a bond that allows you to drive any car without auto insurance?
• Can my boyfriend drive my car in emergency situations if he has no auto insurance?
• Now I am stuck with a wrecked SUV that I don't want — can they force me to take it back?
• I made a payment by mail five days ago to cover my final payment for my auto insurance policy. When I called the insurance company, I was told I had been canceled.
• Our auto insurance policy has been canceled due to a minor accident my husband had while parking. What are our options?
• Do I need to add her to my auto insurance policy, or should she get her own policy?
• Who would a person contact if they are being given the runaround by an insurance company?
• Can you buy auto insurance that covers the driver in any vehicle he or she drives?
• If you hit a deer, does your comprehensive or collision insurance pay for the damage to your vehicle?
• Do I have the right to ask for compensation from my insurer for the depreciation of my vehicle that was damaged in an accident?
• I hold the title to a vehicle, but another person is the primary driver. Whose name should be on the auto insurance policy?
• I need to buy auto insurance in order to take my road test for my driver's license.
• I was recently convicted of a DUI for the first time. Should I write to my insurance company with an explanation of the circumstances before they learn of the conviction?
• What happens if I report more information on my driving history than what shows up on my record?
• I was in a two-car accident in which I was issued a DUI. Can my insurance company deny my claim because of the DUI?
• I live with someone that recently had a DUI and now my insurance company will not renew the policy for my vehicles.
• I was recently arrested for a DUI and my car was seized. Will my auto insurance rates go up as a result of this?
• My retired mother no longer drives, but she wants to insure a car in which friends and family can drive her around.
• My 22-year-old son took my husband's vehicle, without his consent, and was involved in an accident in which my son was determined to be at fault.
• Should I contact a lawyer or try and settle out of court with the trucking company?
• Do I have a basis to ask my insurance company for more money?
• How could my policy have been canceled?
• I was recently in a car accident and the other driver was at fault. His insurance company doesn't want to pay off my car that he totaled.
• How is it that when my car was totaled, the insurance company would only pay me the car's market value?
• Do most insurers cover glass under comprehensive or is this usually separate coverage?
• Are there any other ways to recoup money from a hit and run driver?
• My rental car was hit while parked. The person at fault has no insurance but promised to pay for the damage.
• Another driver hit my car while it was parked in a shopping mall parking lot and neglected to leave a note.
• Does Kansas law require that my auto insurance pay for the damage done to the three cars that I hit or is the person who hit me responsible?
• Am I obligated to tell potential insurers about these claims?
• How long can you go without a payment before an insurance company can cancel your insurance?
• What is the standard car insurance that dealers require when you lease a vehicle worth around $25,000?
• How can I recoup lost wages and pain and suffering damages?
• Are passengers in my vehicle covered from injuries if I just have liability insurance?
• Is there anything she can do to be compensated for her pain and suffering?
• I only have liability, so my insurance cannot pick up the repairs. What can I do?
• What is the difference between the medical payment amount ($1,000) and the liability amount?
• What part of auto insurance coverage handles cases of vehicular manslaughter or negligent homicide?
• My health insurance and auto insurance companies want auto insurance information from the vehicle owner before they will pay anything.
• Currently I have Personal Injury Protection, residual property damage, residual uninsured motorist, special tort liability, property protection, comprehensive, and collision. Do I need all these coverages?
• To what extent will the size of the claim affect his insurance rates?
• Do I have the right to demand original equipment manufacturer parts since it's the rear bumper being replaced?
• Can we include the sales and registration of the new car in our claim to the insurance company?
• Can I be compensated for non-permanent injuries in an accident in which I was not at fault?
• What happens when the medical benefits on our auto insurance policy run out?
• Recently I was given a ticket for having no liability insurance in Illinois.
• I was dropped from my auto insurance company in June 2007. Since then, I have not had auto insurance, and now I am considered high-risk. Why can't I find an insurance company that will sell a policy to me?
• Will my premium be higher because of the accident?
• What type of insurance, if any, should a person carry if he or she does not own a car but has a driver's license?
• Under coverages, one insurer states liability amounts for each "occurrence," while another states amounts for each "accident." What's the difference?
• If you've been in an accident and your car has been repaired, how can you find out if the repair to your bumper was made with an original equipment manufactured (OEM) part?
• We were recently in an accident that was not our fault. Do we have to accept non-original equipment manufacturer (non-OEM) parts instead of OEM parts?
• Do insurance companies raise rates if the accident was the fault of a person other than the insured who had the accident?
• How do adjusters come up with a settlement amount for pain and suffering after a car crash?
• I want my car fixed right without paying anything. Who do I talk to?
• If I back up into a car that is illegally parked in a "no parking" area, am I liable for the damage to the car?
• Will she be able to get insurance with just a permit, or can we put her on our policy without her car being in our name?
• Can a person with only a learner's permit buy auto insurance in New York?
• The medical bills totaled $2,000. What is a fair amount to expect for his personal injury claim?
• My insurance company told me that after looking at my prior coverage, which was the state minimum, the company raised my rates.
• We have an attorney, but he says we now fall under Proposition 213.
• My insurance company paid for the damage, but they have since increased my premiums by 50 percent. Can they do this?
• Can I demand they repaint the whole vehicle? Can I demand a new bed if they can't align the current one?
• I have received a "reservation of rights" letter from my insurance company.
• Her total yearly premium came to $7,000 with a well-known insurance company. Where can we turn to get a lower rate?
• Are we covered if we get into an accident while driving the other person's vehicle?
• Can I submit a claim for sales tax and registration fees, or any other fees involved in buying a new vehicle after mine was totaled?
• He wants me to settle the case with him privately, so there will be no record of the accident with our insurance companies, the police, or the registry of motor vehicles.
• If my son has his own car and his own car insurance and has an accident, but the damages exceed his liability coverage, can the assets of the parents then be attached to cover the claim against the son?
• If a corporate vehicle is covered by a commercial insurance package, can a spouse of an employee be covered as a driver for the corporate car?
• How can I protect myself from problems when I accept my "repaired" submerged vehicle from the repairer?
• Is my auto insurance claim check taxable?
• I had to sign a waiver saying he will not drive the vehicle to avoid paying the extra money. Any ideas on why the premium is so unbelievably high?
• Can your insurance company charge you more when your son receives his learner's permit, or do they have to wait until he gets his driver's license?
• State Farm will not let me take my 17 year old daughter off of our auto insurance policy, is this common?
• We had our car stolen and the thief caused a great deal of property damage, do we have to pay for all the damages?
• When your car is stolen, how long does it take to get money for a comprehensive insurance claim?
• I was in an accident, but a police report was not filed, im clearly not at fault but how can I prove it?
• Is my liability insurance responsible for paying the person I hit even if it was not completely my fault?
• My body shop says it will cost about $11,000 to fix it, but now my insurer is talking about totaling my car. Why won't they fix my car?
• However, the other driver wants the repairs done and does not want to total the car, can he do that?
• Do I have any grounds for getting a good retail value for my van?
• My car was totaled in a car accident and my insurance company is offering me below blue book value for it, what can I do?
• Should they not be required to restore my car to the condition it was in before the accident or replace the car?
• How do insurance companies calculate your car's value when they total it?
• Should the insurance company reimburse me for some of the recent repairs I have made?
• Due to bad weather, a tree by the parking lot of my apartment fell on my car, crushing it and causing extensive damage, what can I do?
• Should we increase our auto and homeowners coverage rather than get an umbrella policy?
• Suppose the arbitration agreement is higher than his coverage? What happens then?
• What happens if I'm hit by a person who has no insurance and the vehicle that hit me is still being paid for?
• Do I need uninsured motorist/underinsured motorist coverage if I already have comprehensive and collision coverage on my auto insurance?
• What happens if I get into a wreck and do not have car insurance?

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