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Questions About Auto Insurance & Accidents

4422 messages,  Last post on Dec 04, 2009 at 6:46 PM

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#41 of 4422 If you saw by zoomzoom79 Mar 20, 2002 (9:19 am)
him coming back why didn't you put your car in reverse and back up? If you had time to honk you had time to move your car.
#42 of 4422 zoomzoom by hungrywhale Mar 20, 2002 (3:24 pm)
He came out of the spot very fast. I saw him put on his reverse lights and stopped so he could see me. He then shot out of the space backwards and hit me going about 10-15 mph - way too fast for a parking lot.   It wasn't your typical person slowly backing out of a space.
#43 of 4422 Will my insurance go up? by mateyo Mar 21, 2002 (1:16 pm)
A few months ago I walked out to a parking lot to find my car had been hit by another car. No witnesses, no note, no nothing (other than $1,300 in damage). I filed a claim with my insurance, paid the deductible, and they paid the rest. Unfortunately I didn't carry uninsured motorist coverage at the time (now I do). Will my rates go up when I renew this summer, and tarnish my record for the next 3-5 years? The insurance co. will not give me a straight answer.
#44 of 4422 Car Determined Not Salvageable by phoenix6 Mar 21, 2002 (4:21 pm)
I had an accident 2 weeks ago. The man who hit me was not only a "red light runner," but was also an uninsured motorist. My car was a 2000 Suzuki Esteem GL (bought in Maryland). I am concerned that I will walk away with nothing at all. I understand my lienholder needs their $$ (they list their buyout at $9,600).   My insurance company said they will pay nothing more than face value for the vehicle. Does this mean that the insurance company will settle with the lienholder and leave me without any money to buy at least a second-hand vehicle, or will they offer me a small settlement amount for my unfortunate state?   Thanks for your help.   Just call me,   Not Wanting to Walk in 115 degree heat at 50 years old.
#45 of 4422 Mateyo: Because you filed a police report to support the hit and run by kinley Mar 22, 2002 (12:13 pm)
your premium will not increase due to the claim, but it will go up as the market is hardening making all premiums go up. It helps to increase you deductibles at renewal time.
#46 of 4422 phoenix6: Naturally, the loss payee gets their money first. by kinley Mar 22, 2002 (12:17 pm)
When the value, thus insurance payment, is more than the payoff, the remainder goes to you. If you are upside down, you still owe the loss payee for the difference they receive from the company and the loan payoff.
#47 of 4422 Depreciation by admc Mar 27, 2002 (4:25 pm)
An insurance adjuster told my husband that we could file against the other insurance company for depreciation of my 2001 Rodeo (only 8000 miles) from my accident(I was rear-ended) due to a new law that was passed. However, I cannot get anyone to give me an idea of what the depreciation would be. How do I go about finding out? We have had it completely repaired by the dealership and they said they had no idea.
#48 of 4422 Great Board! Hi All by azgainers Apr 21, 2002 (10:28 pm)
I'm also an insurance adjuster w/a major carrier (don't know if I should say!)in Arizona. I handle Prop Dmg and Bod Injury, but have a multi-line background w/everything from Products liab, GL, to Professional liab. I would be happy to offer my "personal" opinions on any ?'s w/the understanding that these are "OPINIONS" and do not necessarily reflect the views of this station....etc.etc.etc. You get the idea. My 'opinions' aren't always right (though they should be), because if they were I would never lose a case in Arb! PLEASE PEOPLE (esp in AZ) RAISE YOUR UNINSURED MOTORISTS LIMITS!!!
#49 of 4422 What Next? by pamo May 03, 2002 (7:11 am)
My daughter was rear ended last week through no fault of hers (this is not at question). My car has an estimated $l0,800 worth of damages, including a bent frame (2001 Honda CRV). I do not want the car repaired - I feel the value of my car after this major repair is severly compromised. My agent is saying he would like to repair the car. I want it totalled, and I want full market value. What are my options?   Thanks, Pam
#50 of 4422 Pam: Trade in your wreck and the insurance check for by kinley May 03, 2002 (10:45 am)
a new car. Be prepared to pay some difference. The dealer makes a sale,it's body shop gets some business, the other insurance company saves on car rental expense, & you get a new ride. Were I the other adjuster, I'd offer to split the rental expense which would help to offset some difference you will pay in going from an 01 to an 02. Diminished Value enters the negotiations also with the adverse adjuster. No injuries? Good Luck.

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