General Insurance

How do I get a copy of my MVR?

An MVR wouldn't show accident claims, it will only show your past tickets or citations. If an insurer paid out for a claim, the most likely report they're using is called a CLUE report.

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Coverage & Claims

Is the penalty for an insurance claim equal no matter what the offense was?

Unfortunately, it's not that simple and there are many reasons to file a claim not necessarily as a result of reckless driving or other risky driving habits. Insurance companies do not look at the reason for the accident, they look at whose company paid the claim and what it cost them.

Coverage & Claims

If I backed into another person's car (which was sitting in their driveway), should I file a claim if repairs are estimated to be $2,500?

Hello, Since there is no damage to your vehicle, you would not need to file a claim. However, the person that you hit has the option to file a claim.

Coverage & Claims

Should I take cash for a not-at-fault accident?

If you choose not to go through the insurance company, then it is between you and the other party to work out the details. It is your choice as to how the claim is handled.

Homeowners Insurance

I started a claim but canceled it with no payout. Why is it on my CLUE report?

Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.

Coverage & Claims

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.

Coverage & Claims

I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?

I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as).


Coverage & Claims

How long do I legally have to get the car fixed after making a claim?

Hello,
You are correct about how long you have to file a claim. However, each company is different, so you need to contact your insurance company for specific information relating to your repairs.

Renters Insurance

How do I dispute a renters insurance claim while I was in prison?

LexisNexis is the company that maintains the insurance claim database. If you are disputing a claim, especially if you're the victim of identity theft and you did not file it, you should contact them about getting it removed.

Homeowners Insurance

How do I dispute a homeowners insurance claim?

Sorry to hear about your recent troubles. Unfortunately, to dispute a homeowners claim such as this, the best way forward is to seek legal advice.

Coverage & Claims

Will using Med Pay increase my insurance premiums

As a general rule, any claim that is filed with your auto insurance company can increase your rates, even if it's just medical payments. If you are interested in finding out more about Med Pay, have a look at our article for more information.
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