Eligibility

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.

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Coverage & Claims

My insurance company held me 10% responsible for not taking "evasive action." Will the 10% charge likely cause a higher rate elsewhere?

Anytime you are found liable in an accident it will impact rates. In this case, you were only found 10% liable, so it will not impact your rates as much as if you were 100% liable.

Coverage & Claims

Does my dad have to file a claim if I totaled his car?

Yes. Your father will need to file an insurance claim unless he plans to pay out of pocket for the damages to the other vehicles and not be compensated for his vehicle.

Coverage & Claims

Can I be compensated for repairs prior to a car being totaled?

So the answer, as you might expect, is a bit complicated. If the insurance company initially set up you up with a rental and it took them 3 months to declare the vehicle a total loss, the insurance company may be responsible for covering the additional 2 months worth of rental charges.

Coverage & Claims

If I have an open claim on a totaled car, how do I handle the insurance?

There's a couple of things to think about. First, canceling the coverage on this vehicle will not cancel the claim. As long as the policy was active at the time of the accident (which it sounds like it was), you should be fine. Second, if your car is totaled, you can cancel your insurance if you are not getting another car in the near future.

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.

General Insurance

Do I have to pay insurance while my claim is being paid out?

You would not need to carry insurance on the car that was totaled. You should be able to remove the car at any time and the claim will still be processed.

Car Insurance Costs
Coverage & Claims

Can I get a refund for premiums I was forced to pay after accident?

Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.

Coverage & Claims

Do I have to tell my insurance agent about a claim?

Sounds like you've taken all of the proper steps in filing a claim. Your agent is correct, the other insurance company will handle the claim since their customer is at fault.

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
General Insurance

My vehicle was totaled and I'm five hours away from home

I'm sorry to hear you were hit and are stuck. You were right to contact the other driver's insurance company.
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