Coverage & Claims

What do I do if I scratched a person's car, agreed to pay out of pocket, but can't agree on the cost of the repair?

Unfortunately agreeing to pay for damage out of pocket without involving your insurance company can lead to issues like this. He does not have to agree with your offer and can attempt to get you to pay more than the actual cost of the repair.

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Coverage & Claims

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.

Coverage & Claims
Eligibility

Can I file a claim if my transmission went out?

Auto insurance is intended to cover your vehicle in the event of damage from a crash or other incidents listed on your policy. Wear and tear is generally covered by a vehicle warranty and not by your insurance company.

Coverage & Claims

If my car was damaged at a gas station due to bad weather, who pays for the repair?

For damage caused to your vehicle by objects other than a vehicle, comprehensive coverage would normally pay for your repair. This type of damage would have to be covered by your own insurance company unless you have proof that the item that caused damage to your vehicle came from a specific source, i.e.

Coverage & Claims

Can I file a claim with the "At fault" insurance company and have the repair check made out in my name if the car isn't registered to me?

You would file the claim since you were driving at the time of the accident. Unless the vehicle is totaled, however, there won't be any payout from the insurance company to anyone other than the repair shop.

Coverage & Claims
General Insurance

Can I file a claim with my insurance company if I've already paid for repairs to my vehicle?

Even if you have paid for the repairs on your vehicle, your insurance company should cover the damage you caused to the other driver if your policy was active at the time of the crash. I would recommend not paying the other party anything until you've contacted your company to start the claims process.

Coverage & Claims
General Insurance

Can a person I hit force me to pay more for their damage than the actual cost of the repair?

If the two of you can't come to an agreement on the dollar amount then she is well within her right to file a claim for the damage. If you do decide to pay out of pocket I would highly recommend documenting the transaction somehow; either through a receipt, written check, or photo of the transaction.

Coverage & Claims

Should I file a claim to repair my Tesla?

Our State of Insurance report (page 58) shows that an accident in New Jersey has an average impact of $1,228 in additional premium per year. Since accidents will impact rates for 3 years, it may make the most sense to cover the damage on your Tesla out of your own pocket.

Coverage & Claims

Should I file a claim to fix a chip in my windshield?

Each company handles glass repair a bit differently, so I would be cautious to assume you would not have to pay anything out of pocket. If your company is willing to cover the repair then it may be worth the claim. Keep in mind, however, that filing multiple claims with your company within a 3 year window can cause them to non-renew your policy.

General Insurance

How long do I have to file a claim in Nevada?

You should keep in mind that you will have to pay your deductible if you decide to file a claim. Since you hit a curb, it will be considered an at fault accident and your rate will likely be increased.
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