Swerved for coyote and wrecked part of my car [CA] Insurance |
- Swerved for coyote and wrecked part of my car [CA]
- I backed into someone’s front bumper and my insurance company won’t pay them
- Auto INS: Is Collision a good idea?
- How is prorated claim calculated? Am I getting a fair valuation for my car?
- Can you get a job as an adjuster without a degree?
- In general, would my homeowners insurance policy cover DIY Renos that were done in good faith?
- Can a life insurance policy take money back?
- Question about a 50/50 responsibility judgment given by Geico in California
- Trouble Finding Affordable Auto Insurance
- Hail Damage Total Loss Question
- Is it possible to file multiple diminished value claims against same insurance company for separate claims in New Jersey?
- An uninsured driver backed into me in a parking lot, am I screwed on recovering a deductible?
- Hypothetical: if someone runs into me today and another person hits that same place tomorrow, how does insurance deal with this kind of stuff?
- Insurance Cycle
- Why does some insurance companies only offer their insurance through their agents?
- Neighbors house burned down, melted my truck, and they didn't have insurance
- Rough car accident - bodily injury claim question
| Swerved for coyote and wrecked part of my car [CA] Posted: 06 Sep 2018 10:01 PM PDT Today when I was driving my car a coyote came out of some brush near my passenger side so I swerved left then over corrected to the right and hit some brush and large rocks on the passenger side of my car. I drove a little bit more up the road then got out to check the damage then got back into the car to see if I could make it home. Luckily, I was able to make it home safely (the "coolant temp warning" light came on the dashboard). Once I got home, I immediately filed a claim with my insurance, Geico. I have comprehensive but not liability. The agent I spoke with asked if I had hit the coyote and I honestly wasn't sure if I did or not. I've never gotten into any type of car accident in my 10 years of driving and was completely startled and shook up after I ran over and through the brush and large rocks on the side of the road. When I got home my car sounded like it was still on. I couldn't tell if it was the engine or the fan so my girlfriend grabbed the water hose and started spraying the front of the car off while I phoned the fire department. My question is this...the agent told me an adjuster would have to come out and look at it to determine if I actually hit the coyote or not. I'm afraid that if I did my girlfriend washed any blood or hair off with the hose. If that's the case, it won't be covered by insurance because I don't have any liability coverage, only comprehensive. I'm still waiting to hear back from the adjuster and feel awful about what happened to the car and possibility the poor coyote. Has anyone had a similar experience? What was the outcome with your insurance? [link] [comments]  |
| I backed into someone’s front bumper and my insurance company won’t pay them Posted: 06 Sep 2018 10:14 AM PDT The person whose car I hit just reached out to me telling me that my insurance company is being difficult and he wants me to pay him directly for the repair… I'm inclined to tell this person to screw themselves. I'm not really sure what to do, other than tell them I'm sorry and wait for them to take me to court. [link] [comments]  |
| Auto INS: Is Collision a good idea? Posted: 07 Sep 2018 01:09 AM PDT If you are a good driver, is it generally better to decline collision coverage? Also are these scenarios correct (assuming all parties have at least liability coverage)? In these cases I have INS but I do not have collision. Scenario 1: Other driver's fault. My insurance pays nothing. Their insurance will pay for damages to MY car. Scenario 2: My fault. My insurance will pay for damages to their car. Nobody's insurance pays for damages to my car. Cost of repairs to my car is $2000. I have a $500 deductible, but since it's my fault I will have to pay the full $2000 out of pocket. [link] [comments]  |
| How is prorated claim calculated? Am I getting a fair valuation for my car? Posted: 06 Sep 2018 06:50 PM PDT I received an offer today from the insurance company for the value of my car since it is totaled. I gave them a receipt of proof that my car had $2000 worth of services done to it 3 months ago and a set of 4 new tires purchased a month ago worth $400. The insurance claims adjuster said it'll only add $300 to the value of the car. He said it is based on a prorated calculator that is nonnegotiable. How is prorated claim calculated, and why am I only getting $300, compared to the $2,000 worth of services I spent on the car before it was rear ended plus tires? [link] [comments]  |
| Can you get a job as an adjuster without a degree? Posted: 06 Sep 2018 11:00 PM PDT I'm 21 years old and I've only got a few college credits under my belt. Since graduating high school, I've had some decent full time jobs, and now I'm working for my dad's real estate company. I really want to get my license as an adjuster and try my hand in that field.. My dad's friend does it and he loves it. Most of the job postings say that they require some sort of degree. I have a decent resume with real work experience.. If I were to get my license and shop my resume around, what are my chances of getting a call back/job offer without a college degree? Even with an "in" (my dad's friend)? Thanks in advance. [link] [comments]  |
| In general, would my homeowners insurance policy cover DIY Renos that were done in good faith? Posted: 06 Sep 2018 07:40 PM PDT Say I'm putting in a new sink in the bathroom and attach the plumbing myself. Then it leaks and floods. Would the fact that I did it myself void my insurance? [link] [comments]  |
| Can a life insurance policy take money back? Posted: 06 Sep 2018 07:34 PM PDT ATL, GA, USA If you'd like any backstory on the big situation that's been happening, feel free to look at post history. My aunt had 2 life insurance policies on my uncle that passed away. One was a small policy (very small compared to the other one) and has been paid out. Doing some research, I found that you could prove common law with another insurance policy. My aunt won't ask the insurance company for any documents pertaining to this because she's afraid they'll take the money back if they themselves don't have proof of common law. I told her that insurance money is not given on accident and if it was meant for her, they pay it out. She's afraid they'll find some reason that she and my uncle were not common law and take the money back (which has already been put towards my uncles funeral expenses). Can a life insurance company take money back if it's already been granted? [link] [comments]  |
| Question about a 50/50 responsibility judgment given by Geico in California Posted: 06 Sep 2018 06:39 PM PDT Both people involved are Geico customers. The car that stopped was moving more slowly than the other car, and had only moved a very short distance out of their parking space. If it matters, the sun was at an angle to blind the driver who actually managed to stop. The accident was judged 50/50 responsibility. It seems a bit strange to me that it would be 50/50, but I'm not a professional adjuster. It seems more like it should be at least 60/40, but probably more like 80/20 since one driver completely failed to stop, while the other driver successfully stopped before an accident occurred. Also, the 50/50 split strikes me as odd because:
Please correct me if I'm wrong. If I'm right - is there any recourse for handling this situation? It seems to me that they're not treating it like they would if it were between Geico and an external insurance agency. [link] [comments]  |
| Trouble Finding Affordable Auto Insurance Posted: 06 Sep 2018 11:42 AM PDT Beverly Hills, California So, after recently being rear-ended, I'm in the market for a new car. I really, really like the 2018 Camry and I can afford the payments, no problem.... but the quotes I'm getting on auto insurance are ridiculous! I had insurance in West Virginia on my 2013 Camry and it was $99/mo, just recently moved to California and my current company won't cover a car registered in Cali. Every company I'm calling out here is quoting me anywhere from $280-$450/mo. Geico rep told me it doesn't matter whether or not I've been at fault in a wreck, my rates will still be affected. About me: Recommendations on getting affordable full coverage? Looking to get between 100-200/mo [link] [comments]  |
| Hail Damage Total Loss Question Posted: 06 Sep 2018 03:24 PM PDT I drive a 2006 Subaru Outback (which I admittedly over-paid for - they were highly desirable vehicles where I was living) I am over halfway through my loan but still owe about $5500 on the vehicle (a little less than book value). The loan was especially high compared to the value of the vehicle because I purchased 3rd party insurance to cover all mechanical parts of the vehicle. Since I've owned the vehicle the 3rd party has more than paid for itself! I've gotten the starter and alternator replaced and the engine completely rebuilt and some other smaller repairs as well (only paid about $800 in deductibles for about $8000 in repairs over 2 years). In my mind this -should- make the resale value of my vehicle higher than most other similar cars..? So onto the real insurance question, this vehicle was in very good condition cosmetically for being an older vehicle but a few weeks ago it got hailed on. When I went to get the damage appraised, they said it would probably be a total loss and they would call me in a few days with the final offer. My car currently books for $6-7K, so that must be $4-5K in hail damage I imagine. He said based on the appearance of my vehicle and the condition besides the small hail dimples all over he would probably take the check and buy it back from the insurance company as a salvage if it were up to him. I had mentioned I had a lot of repairs to the vehicle and the agent at the "catastrophe tent" told me I should tell them that when they call. So I guess I'm not sure if I should try to "upsell" the value of the vehicle by telling them about all the repairs I've had done or just try to let them give me a low offer so it potentially won't be as expensive to buy back as a salvage. I'm really just not sure what would be the most beneficial to me! I would like to get at least enough to pay off the loan because since I've had so many repairs done we were planning on keeping this as a utility vehicle basically until it falls apart since it is in good condition and has low mileage for its age (99K). It seems like it would be impossible to get enough back to pay off the vehicle's and buy it back from the insurance company. I was never planning on getting the hail damage repaired, just pocketing the check and putting it towards paying the car off and living with the damage since it's an older car but I'm completely thrown for a loop since I've never had a car totalled by hail. Any help would be very appreciated!! Sorry for a such a long post but I wanted to make sure to include all the details. Thank you! [link] [comments]  |
| Posted: 06 Sep 2018 11:14 AM PDT I have 2 claims for separate incidents that were other drivers' fault. Insurance company has already accepted responsibility for both. [link] [comments]  |
| An uninsured driver backed into me in a parking lot, am I screwed on recovering a deductible? Posted: 06 Sep 2018 02:59 PM PDT Title says it all, I was driving, they backed into me, passenger side is scraped up from front to back. I already made mistakes handling it (it happened this morning and we live in the same apartment complex so we decided to deal with it tonight) so I'm just cutting my losses at this point and admitting I have no clue what I'm doing. [link] [comments]  |
| Posted: 06 Sep 2018 02:35 PM PDT This was just some scenario I thought of last night and it got me curious. If this violates the rules, my apologies, I've just heard about this sub. For this scenario, let's say I'm driving and someone runs into the back of my car and damages the rear bumper. No other parts are damaged except the rear bumper. Police come and determine that the other party is 100% at fault. We exchange insurance information and I continue driving while waiting for insurance to repair vehicle. A day later, another driver hits me in the exact same spot and further damages the bumper. No other parts are damaged except the rear bumper. Police come and determine that the other party is also 100% at fault. We exchange insurance information. In these scenarios, do both other parties pay for damage done to my vehicle, or just one? If both of the other drivers happen to both belong to the same or different insurance carriers, does it make any difference? Would they take into account the factors such as speed and have the one who traveled faster or the one with the bigger vehicle be responsible for the damages? Would my insurance company simply collect from both insurance carriers and have my bumper fixed? If the second driver has a dashcam and the dashcam shows that my rear bumper was already damaged before the accident occurred, is there any difference in this scenario? [link] [comments]  |
| Posted: 06 Sep 2018 10:25 AM PDT Hi I work as a traveling contractor who owns two old cars which I use for different reasons. Long story short one is in much better condition but the other one has much better mpg/fuel cost. I am wondering if there is any penalty or repercussions between cycling between cars. For instance like for a few months driving one car (and insuring that one), and then a few months after that (insuring that car and uninsuring the other one, i.e. keep in garage). I am with Geico currently btw, thanks for any advice about this matter. [link] [comments]  |
| Why does some insurance companies only offer their insurance through their agents? Posted: 06 Sep 2018 04:50 AM PDT Just curious... Recently I've been looking to switch my auto insurance company. I noticed that a large number of insurance companies that I come across only offer their insurance through their independent agents. They will not even provide a quote over the phone or the internet. Just to be clear, I have nothing against individual insurance agents, but I would like to compare premiums before I buy. Not offering quotes over the internet is a huge hindrance in my efforts to do a thorough price comparison. So why does some insurance companies only offer their insurance through their agents? [link] [comments]  |
| Neighbors house burned down, melted my truck, and they didn't have insurance Posted: 05 Sep 2018 10:02 PM PDT Ok, so this is my first post. I created this account because I don't know what to do and Reddit knows the answer to everything. Long story short, I left my truck parked at a friends house while I was camping for the weekend, and while I was away, their neighbor's house burned down! The fire was hot enough and close enough to cause some moderate, but mostly cosmetic damage to my truck (see attached pictures), even though they were able to move it shortly after the fire started. The fire report is still being put together by the investigators, but from what I've been told, the neighbor's homeowner's insurance had apparently lapsed at the time of the fire. In addition to that, it sounds like the fire is potentially being investigated as an arson (not sure if at the homeowner's doing or someone else's). I was quoted about $3300 to fix the damage at an autobody shop, and I do have full coverage insurance with $1000 deductible. I've alerted my insurance company to the situation, but I haven't filed a claim as I'd prefer to use that as a last resort. I am fine waiting to fix most of the damage, with the exception of replacing the headlight, which it sounds like I could do myself for around $150. Basically, I'd just like to know what my options are. I'll also be posting this to r/legaladvice , any advice is much appreciated! Edit: this fire occurred in Bonner, Montana [link] [comments]  |
| Rough car accident - bodily injury claim question Posted: 05 Sep 2018 08:51 PM PDT Hi all. I'll try and keep short. Incident: -got in car accident in December 2017 -head on collision, I was in passenger front seat, drivers fault -3 nights in hospital -6 weeks on disability -broken collarbone, 3 ribs, right hand, torn hip, broken foot in 4 places *I'm a marathon runner and don't plan to stop anytime soon Treatment: -podiatrist as specialist says arthritis and pain for life, can't quite determine my needs as it is a "time will tell" situation -physical therapy ongoing with no end in sight -pain on a daily basis I'm looking to purpose bodily injury claims for life long adjustments I'll have to make: avoiding running, consistent physical therapy if I do run, orthopedic shoes, etc. I don't wish to play the system, I wish to get reimbursement for the expenses I'll be incurring for the years to come. My question is how much should I be expecting? Hospital bill was somewhere around $36,000 and an additional $5000 has occurred in therapy/specialist follow up visits since the accident. I haven't paid a penny thus far, I have really good medical insurance and the car insurance company has paid what my med insurance hasn't (about $3000). I contacted the insurance agent working on my claim and he said there was a bodily claim coverage of $100,000 and that I would likely exceed that in my case. Is that accurate? What do I do? Totally new to this and unsure how to proceed. Thanks in advance! (Location: Illinois, US) [link] [comments]  |
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