Coverage & Claims

Sorry to hear about your situation. It's hard to say if your insurance company is wrong to deny the claim without knowing your specific policy details.

Sorry to hear about the accidents. If you were to move to a new company they would probably start the policy reflecting these accidents.

I'm sorry to hear about your accident, but I'm glad that you took pictures. It is hard to say if the police will show in some areas for a minor accident.

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium.

Typically, an insurance claims department will do whatever ends up the cheapest for them. Unfortunately, they will almost never negotiate the claim type or even how they pay out on it.

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.

Unfortunately, if you're at-fault and the other party wants to file a claim against you, that is within their power to do so — even if you previously agreed to pay for the damage out-of-pocket. If you had already paid for the damage, make sure to tell the claims department when you speak with them and provide proof if you have it.

The claim payout for the total loss will only go to the lienholder or owner and not a third party. Your boyfriend will need to somehow sign the check or the vehicle over to you so you can remedy the situation.

The damage from the hit-and-run would be covered if you have UMPD (uninsured motorist property damage). In California, you need to file a police report for the accident to be deemed a hit-and-run in most cases.