Coverage & Claims

What can I do if I was in a not-at-fault car accident without insurance?

Sorry to hear about your accident. Regardless of whether you had insurance or not at the time of the accident, the at-fault party must pay for the damages.

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Coverage & Claims

Can I be sued for damages I caused in a rental car?

Hello and thanks for the question. If you have liability insurance, the other party should be collecting from this.

Coverage & Claims

Can an insurance company only cover the vehicle but not the driver?

An insurance company can deny a claim if the guilty party was not in compliance with the rules set by their insurance plan. This does not, however, mean the guilty party is off the hook.

Coverage & Claims

Can I wait to file an auto insurance claim if it takes me a year to save up for the deductible?

Thanks for your question. In most cases, you can file a claim for up to two years after the loss. However, I would recommend that you go ahead and start the process as soon as possible.

Coverage & Claims

If I'm uninsured and the person at-fault for the accident is insured, how do I get my car fixed?

Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.

Coverage & Claims

How can I get points off my license?

Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.

Coverage & Claims

What do I do if a person hit me from the back and now is claiming to their insurance that I hit them?

Sorry to hear about your situation. From what I can gather, it appears that she hit the rear of your car while you were waiting at the gate of your apartment complex.

Coverage & Claims

My car was impounded and everything in it was stolen, does my car insurance cover my car's contents?

It depends when the items were stolen and why the car was impounded. If the items were stolen while under the possession of a company or the city, I would feel they are responsible for the recovery.

Coverage & Claims

Should I file a claim if I got hit and am not at fault but settled for an amount less than I actually need?

Hello, My advice would be to contact your insurance company. They can begin negotiations and work on your behalf to get your vehicle back to its pre-accident state.

Coverage & Claims

Does car insurance cover love bug damage?

Insurance will not cover cosmetic damage to your vehicle — even with full coverage, insurance is meant to cover sudden and accidental damage. See the differences between collision and comprehensive coverage and what they cover here.

Coverage & Claims

My insurance company held me 10% responsible for not taking "evasive action." Will the 10% charge likely cause a higher rate elsewhere?

Anytime you are found liable in an accident it will impact rates. In this case, you were only found 10% liable, so it will not impact your rates as much as if you were 100% liable.
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