Coverage & Claims

My insurance company wants to deem my car totaled. Can this be disputed?

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.

Compare auto insurance rates and save up to $670 per year!

or
Location pin icon
Most Recent

Coverage & Claims

My car is titled under my boyfriend's name and is now totaled but he's in jail. What do I do?

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.

Coverage & Claims

I let a friend use my car and it ended up totaled. What should I do?

If your vehicle is totaled, you should definitely file a claim and see if your insurance will cover it. If they refuse and your friend (the driver) has renters or homeowners insurance, he may be able to use his liability coverage.

Car Insurance Costs
General Insurance

Can I switch companies if my rates go up after an accident?

You can shop around for lower rates elsewhere as you please. But keep in mind that the accident will still be on your record for all insurers to see and rate you on — namely, it will show up on your CLUE report, which all insurance companies use to access your claims history. On average, an at-fault accident increased rates by 42% in 2018.

Eligibility

Will we have trouble registering a car that was declared a total loss?

Unfortunately, I won't be able to tell you about the registration. You will need to contact the DMV for that information.

Eligibility

Can I still get insurance if I just found out that my car has structural damage?

Sorry to hear about your accident and the resulting damages. This is a tricky situation.

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.

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.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question