Coverage & Claims

After an auto accident where my car was totaled, can I change my coverage from full to liability only to keep my rates down?.

Yes, you can downgrade your coverage to liability only until you get a new car. It is true that you should maintain coverage if you plan on getting a new car soon in order to keep the rates down.

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Coverage & Claims

Can I file a claim with the at-fault driver if I started it with my company?

My best advice is to contact your insurance company and speak to an adjustor. If you're unsatisfied with the claims payout for your totaled car, you would need to dispute it with your insurance company.

Coverage & Claims

Totaled a vehicle and I wasn't on the vehicle's insurance policy

The owner of the vehicle will need to file a claim on their policy. It will be up to the insurance company to decide if they will pay out for the claim or not since you are not listed on the policy.

General Insurance

Am I obligated to continue insurance payment even the car is totaled?

No, you do not have to keep paying for the insurance on a car that is totaled. As long as you were insured at the time of the accident, you should be fine.

Coverage & Claims

Is it ever possible to buy retroactive car insurance?

Unfortunately, if you did not have collision coverage on the vehicle at the time of the accident, your damages will not be covered. Insurance cannot be backdated. Liability coverage will only cover the damages you cause to others.

Coverage & Claims

Will my insurance have to pay more than the car is worth?

This can depend. In California, a car is deemed totaled if the cost of repairs plus the scrap value of the vehicle is greater or equal to the actual cash value of the vehicle.

Coverage & Claims

What happens if my quote for repairs is higher than value of car?

There's several things to think about here. One, it sounds like your vehicle is totaled.
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