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Questions About Auto Insurance & Accidents

4409 messages,  Last post on Nov 29, 2009 at 5:58 AM

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#4400 of 4409 Re: slow starting [anitaa] by oldfarmer50 Oct 12, 2009 (12:31 pm)
Replying to: anitaa (Oct 12, 2009 10:31 am) Wrong forum anitaa. Look to the right side of the screen where it says "Browse by Vehicle" and plug in the info for your make and model.   You should get some advice there.
#4402 of 4409 My Corrola 2010 got hit by dkvn Oct 16, 2009 (4:20 pm)
My Corolla 2010 (bought brand new, only 2000 miles) got hit in the back. The back bumper was destroyed. I have ins. with $1000 deduction. The person who hit me has ins. with Liberty Mutual. I don't know what I should do, claiming with my ins. or with LM ins. My ins. told me they will fix it then working with LM to get back their $ but we may have to deduct $1000.   Also my wife has to call the doctor now and will definitely have to visit her doctor next week even though she was OK by the time of accident in this morning. Should we call a lawyer? Any advices are appreciate . Replies to this message: mikefm58 (Oct 17, 2009 4:22 am) imidazol97 (Oct 17, 2009 6:13 am) Mr_Shiftright (Oct 17, 2009 9:53 am)
#4403 of 4409 Re: My Corrola 2010 got hit [dkvn] by mikefm58 Oct 17, 2009 (4:22 am)
Replying to: dkvn (Oct 16, 2009 4:20 pm) Call LM and open a claim, leave the attorneys out of the picture, give LM a chance to fix things, your car and your wife's injuries. If you're in an "at fault" state, your policy will pay your wife's medical bills, and since there were injuries, you are also required to notify your ins. company, which it seems you already did.   In the grand scheme of things, your accident is quite minor and there shouldn't be any problems getting LM to pay things. I take it the police were called and an accident report was issued?
#4404 of 4409 Re: My Corrola 2010 got hit [dkvn] by imidazol97 Oct 17, 2009 (6:13 am)
Replying to: dkvn (Oct 16, 2009 4:20 pm) Don't be distracted by the concept that you are only dealing with the insurance company for the person at fault. You are not bound by what their insurance policy pays or doesn't pay. The person who hit you is at fault and their hold all responsibility for your damages. So after a brief chance to set things right, you talk suit to go after what hasn't been covered, including your wife's injuries.   If the person is a deadbeat who has been allowed to drive without financial responsibility then it's up to your state to take away their license and registrations. In Ohio when getting license plates for a vehicle you have to sign that you have financial responsibility in place, whether it's your own personal wealth that you can use to pay damages or you carry insurance. The state of Ohio regularly sends out letters for proof to those not listed as holding insurance in of Ohio.   Your claim is small and your own insurance company may not want to go after the person for the $1000, since it is your money, if LM doesn't fork up.
#4405 of 4409 Re: My Corrola 2010 got hit [dkvn] by Mr_Shiftright HOST Oct 17, 2009 (9:53 am)
Replying to: dkvn (Oct 16, 2009 4:20 pm) also, you can (and should) settle the car damage and the medical issues separately.   If you are going to claim medical injuries, you almost have to file a claim, make out an accident report, etc.
#4407 of 4409 I think the term is "blindsided"............. by ezshift5 Nov 27, 2009 (7:06 am)
Insurance!! My 6-month renewal increased 54 %. No accidents/citations in 8 years. Calling the company got the ".....and we are reevaluating our rating structure in CA. Our losses are exceeding our premium revenue.........."   Realizing that CA does have social issues, flake factor, LA LA land concerns et al...........I called about 15 other companies (and lo and behold - - - none of these companies are in the same ballpark)...........   What does my present company know that 15 others apparently do not?   Today I meet with the lizard. I'd like to close with "Season's best" (but I am actually big time annoyed)..........   ez..... Replies to this message: euphonium (Nov 28, 2009 8:44 pm) ezshift5 (Nov 29, 2009 5:58 am)
#4408 of 4409 Re: I think the term is "blindsided"............. [ezshift5] by euphonium Nov 28, 2009 (8:44 pm)
Replying to: ezshift5 (Nov 27, 2009 7:06 am) When the lizard or any other company quotes a premium, that quote is based only on the underwriting information you give them. The new company will get an underwriting experience report from your old company. They have 60 days from the inception to stay on you or cancel mid term due to additional information".   Usually, the company person will not mention your having taken bankruptcy, spent a night or two in jail, or a credit problem all of which can cause your rate to increase. Is there a new driver in the household that is less than sterling in all areas? What have your neighbors told the field underwriter when he came knocking? Replies to this message: ezshift5 (Nov 29, 2009 5:58 am)
#4409 of 4409 Re: I think the term is "blindsided"............. [euphonium] by ezshift5 Nov 29, 2009 (5:58 am)
Replying to: euphonium (Nov 28, 2009 8:44 pm) ..appreciate the feedback/additional info, EU   As I'm the sole operator, the neighbors must factor here. Perhaps they reported seeing a spaniel driving my little VW diesel PU.   season's best, ez....

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