Hit/Skip Accident in Avis Rental Car Insurance |
- Hit/Skip Accident in Avis Rental Car
- State Farm contact me about accident decision, why?
- How Fucked Am I?
- Long Term Care Insurance
- How do I start an independent brokerage as a brand new agent?
- Insurance agent said my parents need to be on my policy as non-drivers?
- Car insurance quotes
- Newly Married - Car Insurance Meshing Advice!
- Help!
- CPT UCR
- Question on auto insurance
- Mom got in an accident and is under my policy
- California townhouse. Neighbor's pipe in a shared wall burst causing them a few hundred dollars in plumbing work but thousands of dollars of damage on our side. HOA CC&R says we're on our own? (x-post from /r/legaladvice)
- Loss Control Internship Questions
- Query on Term Insurance India
- [CA] Hit and Run today - caught on dashcam - what to do?
- Help fighting not-at-fault total loss auto claim
| Hit/Skip Accident in Avis Rental Car Posted: 02 Mar 2019 06:45 PM PST Currently renting a car from Avis, and was hit by a driver on the highway who didn't stop (I didn't even see the car that hit me - 6 lanes of traffic - my insurance company told me there was no point in filing a police report.) The car is driveable, but there is considerable body damage (I would guess around $10K worth). My personal auto insurance policy will cover the collision damage (I have a claim number from them), but I have been doing some research, and it sounds like Avis charges a number of fees in addition to the cost of repairing the vehicle (loss of use, admin fees), and they can add up to several thousand dollars. I don't have coverage through my credit card. Has anyone been in this situation with Avis? I am wondering what to expect next, and what, if anything I can do to minimize costs beyond the collision damage. When I called to notify Avis of the accident, they told me they don't handle the billing and couldn't give me any guidance beyond documenting the incident. I plan to stop by the location where I rented the car from tomorrow to at least get paperwork started (I assume there will be paperwork) and try to find out next steps, but would appreciate any firsthand experience. Are there any specific questions I should ask? TLDR: A hit/skip driver hit my Avis rental car; personal auto policy covering collision damage, but I am worried about loss of use and admin fees totaling to several thousand $ (based on online horror stories). Looking for firsthand experiences dealing with Avis and advice on what to ask when I visit rental location tomorrow. [link] [comments]  |
| State Farm contact me about accident decision, why? Posted: 02 Mar 2019 10:18 PM PST California My Insurance isn't State Farm and I have filed a claim with my insurance for this guy backing up into my front passenger door when I was driving down a parking lot. I was stupid to give State Farm a recorded statement and they were very quick to make a decision; and then informing me of it. I'm confused and stressed out. Why the hell would they called and then later sent me a letter about their decision of the accident. Shouldn't they be dealing with my insurance? After all, my insurance is still investigating the case and I just took my car in for inspection and repair. And it was a huge dent, costing up to 3k and probably more of there were minor inside damage to the door. They base it off my statement and their driver's statement, but they took my statement entirely out of content. Did they do this because they found something in my statement to defend their driver? The driver from my last accident, which wasn't my fault and was rule not my fault, was also under State Farm—yet they didn't even bother to contact me or inform me of their decision. Did they think I have no insurance? I don't think they mention anything about my insurance. The guy who called said if I was unhappy with the ruling, I should contact my insurance as if I haven't done it. [link] [comments]  |
| Posted: 03 Mar 2019 03:33 AM PST TIA. I'm going to refer to drivers by their cars. Second accident. I was going about thirty on a main thoroughfare when a Kia pulled into the intersection perpendicularly to me. Even though I had the green, I braked, and still ended up crushing my front and her door. I pulled into the street she came out of, and the black sedan that had been behind her remarked that she had blown through a red light. She followed on foot, and the truck in the turn lane on the opposite side came with her. The black truck told the black sedan that he would be a witness for the cops, so the sedan took off. It turns out the Kia and the truck knew each other - the truck greeted her by her first name when he got out, ("Hey [other driver's first name], are you ok?") and even asked about her parents, ("Are they still over on [nearby street name]" He apparently knew her enough to lie for her - he stated to the police that he was behind me and I tried to blow the red. The cop didn't believe me when I said that he wasn't, and that it was a silver Prius. (I notice any silver Prius from around the 05 era, because that was my dad's car when I was growing up. It was the only new car my family ever bought. My dad would match his clothes to the damn thing. I can't pick my Hyundai Accent out of a line of similar looking cars, however I notice a Prius from twelve yards away. I digress) My dashcam is a passive one that I made - basically, it has an impact sensor that goes underneath the brake petal, an old webcam from like 2005, and a battery. There is one in the back window too, however I don't think that one worked. What is supposed to happen is if I hit the brakes too hard (like, punching it) the impact sensor will trigger the webcam to start recording. What actually happened is that the webcam didn't record a video, just a JPEG when I initially started breaking when I saw the Kia pull in. You can kinda see the black truck in the turn lane, however I couldn't zoom it in far enough to get a look at the license plate. https://imgur.com/a/ONMHUeY Realistically, how fucked am I? I have collision and comp, however that's not going to help me if I'm deemed at-fault. I was going the speed limit, and I slammed the break the second I saw her pull out into the intersection. [link] [comments]  |
| Posted: 02 Mar 2019 02:37 PM PST |
| How do I start an independent brokerage as a brand new agent? Posted: 02 Mar 2019 07:57 PM PST Currently, I have a captive client base because they are my family and close friends. I am not worried about meeting the minimum "quota" (writing, requirement??) because they are more than well off. I know it's quite hard for me to dive right in, but is it possible? [link] [comments]  |
| Insurance agent said my parents need to be on my policy as non-drivers? Posted: 02 Mar 2019 01:49 AM PST I recently got quoted through an independent agency for auto. I still live with my parents at the moment (I'm 25) and the agent said I need to provide my parents names and driver's license numbers. They apparently need to be on my policy as non-drivers? Is this normal just because we're all living under the same roof? My current insurance company doesn't have my parents listed on my policy as non-drivers... Sorry if this is a dumb question, I know nothing about how insurance works. :P [link] [comments]  |
| Posted: 02 Mar 2019 12:59 PM PST Are the quotes ever accurate or does the price always increase when you actually buy? [link] [comments]  |
| Newly Married - Car Insurance Meshing Advice! Posted: 02 Mar 2019 01:37 PM PST My husband owns his vehicle and is a very safe driver. He's been with AAA for his truck and State Farm for his motorcycles. I lease my car which is new. I am currently with State Farm through my parent's agent but not on their policy. TBH I don't know much about my current plan since they have just handled it since I was 17. With that, I'd like to have joint car insurance with my husband. We've called AAA and State Farm (his agent) to get quotes so far. With that I just wanted to ask if the community if you have any advice. Do y'all have recos for type of policies we should ask for? Tips for a lower rate? From what I understand joining our policies should be less expensive correct? [link] [comments]  |
| Posted: 02 Mar 2019 09:40 AM PST |
| Posted: 02 Mar 2019 12:20 PM PST Does anyone know what the UCR for CPT 00811 should be? Units = 17. I'm in a long battle between the provider and the insurance carrier over price and have no idea what this actually goes for. Provider billed over $1,000 for it. Carrier paid less than $100. I have no idea who is trying to screw who in it other than me by being the middle of it. This is an out of network claim which is why I am in the middle of it. [link] [comments]  |
| Posted: 02 Mar 2019 11:55 AM PST I recently hit someone in a very minor fender bender. They got an estimate for repair of $1025 to replace the bumper. Is it better to submit a claim through insurance or just eat the cost. I plan on upgrading my 2010 Corolla to a Tesla model 3 with the prices being lowered. I don't have an accident on my record so it's fairly cheap. I am afraid in the long term I'll pay more via increased premiums than I will for just eating the cost. What's your opinions? [link] [comments]  |
| Mom got in an accident and is under my policy Posted: 02 Mar 2019 11:45 AM PST My mom has got in an accident in 2017 under my policy. She has her own vehicle and this is the one she crashed. 2017 was a minor crash she dented the other persons car and my insurance paid for it. This week she also got in an accident and it was her fault because the driver had right of way. I had been planning to take her off my insurance for a few months because I recently got married and wanted to get my insurance with my husband. If she is under my policy now and gets off my insurance will my insurance go up? Or would she carry this onto whichever insurance she goes with? [link] [comments]  |
| Posted: 02 Mar 2019 11:26 AM PST I was told to try bringing this here. Original text: Note: CC&R and question at the bottom. My wife, roommate, and I are all teachers that rent a two story, two bed, 2.5 bath townhouse that my parents bought before the market went crazy in California. Last week we came home and our garage was flooded with 1/2" of hot water, all of the windows in the house were steamed up, and yellow water was dribbling out of all of our heating vents and steam was coming out of some of them. The leak appeared to be coming from around our hot water heater (which sits next to our central heater) but everything was bone-dry around it. I shut off the water and gas at the water heater plus the water to the house. We discovered hot water flowing from beneath a 12" sheet-rocked platform that the heaters sit on. We called the the local branch of a national 24-hour plumbing chain. The plumbers arrive and it's a four-plumber job: they tear open the sheet-rock platform the heaters sit on and then have to dig into our garage wall that we share with the neighboring townhouse's garage. It turns out that a pipe in the foundation has burst, but the fact that it's still flowing suggests that it's not our pipe. I attempt to contact the neighbors but they're not home and I don't have their phone number. The water is shut off to their unit and the leak stops immediately. The plumbers set up eight blowers connected to our heater vents around the house (the heater is new and was sucking up steam and blowing moisture throughout the house) plus two blowers and a massive dehumidifier in our garage. One neighbor comes home and says he's just a renter and gives the lead plumber and I his landlady's name and phone number. With the water shut off, our neighbors get a hotel. Because the leak is from our neighbor's water supply, the plumber says they'll be going through that owner's homeowner's insurance and that they're unfortunately going to have to charge us the cost of one plumber for one hour at night to have an open ticket on the books (versus four plumbers for about two hours at night.) The blowers are hooked up to our heater for a week (meaning no heat in the house with a temperature in the high 40's / low 50's) and they have to take out our water heater, rip open the wall on our side and a bit on the neighbor's side, jackhammer the concrete, and repair the leak. The wall is also filled with mold and they have to tent it to treat it. Work slows because the plumber says that the landlady for next door and her insurance company won't call him back. One week after the initial event I get a call that they're regrettably taking back all of their equipment and not going to repair anything that was ripped out because the landlady's insurance claim was already closed (and apparently she only claimed the work on her side and never even mentioned our side.) We would like to seek monetary compensation for:
The neighbor's landlady calls our landlords (my parents) and says that she's not paying us nor them anything. My parents call their homeowners insurance and they say that they can't go after the landlady or her insurance and that my parents are stuck with all costs (up to their $2500 deductible) because of a CC&R (Covenant's, Conditions, & Restrictions) that our complex's HOA (Home-Owner's Association) has that says,
Does this really mean that even though a neighbor's pipe burst causing no damage to their side but thousands of dollars in service and damage to ours that we're entirely on the hook for costs / future costs between us and our landlords' deductible? Is there anything we can do? [link] [comments]  |
| Loss Control Internship Questions Posted: 02 Mar 2019 11:14 AM PST Hi all, This summer I will be starting an internship as a loss control/risk management specialist for a major insurance company. I have a general idea as to what the expectations for me will be based on what the recruiter I met at a job fair explained to me, but I would like to hear from anybody here who works in loss control what my day to day job might look like. I have a general understanding about compliance, EMR rates, accident investigations, motor fleet plans, HVA and ERPs, and industrial hygiene plus a good understanding of HR, accounting, and management. Any hints, tips, or tricks would be helpful as well as any books that you might recommend to help me become familiar with common concepts I might not know of yet in the industry Thanks for taking the time to read! [link] [comments]  |
| Posted: 02 Mar 2019 06:33 AM PST I am 30 years now, planning for a term insurance plan. Can somebody help me here on understanding what is term insurance plan. How different is it from whole insurance plan. Can we have multiple term insurances? If insured guy crosses the insurance term, will there be any payout? [link] [comments]  |
| [CA] Hit and Run today - caught on dashcam - what to do? Posted: 02 Mar 2019 01:12 AM PST So my friend got into an accident today - he was sideswiped on the freeway and the car immediately floored it and exited the freeway (there was too much traffic to go after him/her safely). Luckily, he bought a dashcam and the whole event is crystal clear and the license plate is also very apparent. Unfortunately on his car, he only carries liability insurance. He called the police who directed him to the CHP who said to come in to make a report. Im wondering what the next steps are? Since he only has liability insurance will the police actually do anything in determining who the driver was? Should he contact his insurance for anything as they aren't going to cover it due to liability so I'm not sure if they'll even go after the offending driver. [link] [comments]  |
| Help fighting not-at-fault total loss auto claim Posted: 01 Mar 2019 10:35 PM PST I apologize in advance for the TL;DR, but my experience is getting crazier by the day. I'm located in Texas. Last week, my car was hit by a postal truck. He moved over into my (left) lane from the middle lane and impacted the front passenger quarter panel, knocked the rearview mirror off, and scraped the shit out of the door and a little of the rear quarter. Pretty bad, but not debilitating and the car was driveable afterward. There were no injuries and I don't require a rental so those costs never enter the equation going forward. Per the driver, USPS policy says he has to call his supervisor and the police to the scene. While waiting for both to show, I called my insurance (USAA) and opened a claim on my side. FWIW, the driver and supervisor acknowledged fault at the scene. The police came and didn't do much other than give us the report number, which will presumably contain relevant info whenever it's actually filed/uploaded. My insurance company informs me when taking the details of my car's age, mileage, damage, etc, that it may be a total loss claim. My car is a 2009 make/model that has just tipped over 100K but short of 105K. I go home and research what the criteria/ threshold for total loss is in Texas, and it's 100%. I am inititally relieved, because I think there's no way the damage surpasses the value of the car. I search KBB and poke around for other same year models on sale nearby and come to the conclusion that $7K is a fair value. The next day I take my car to a shop I trust for an estimate and it comes to $4,600. He uploads the estimate and pictures to my insurance and they respond within minutes that the car is a total loss and they are sending an appraiser out to estimate the damage and ACV. I protest, but can't do much at this point but wait for the report. Before he shows up, I have the shop rerun their estimate, swapping out some OEM parts for used/recycled to see if he can shave it down closer to $4K as a contingency. Appraiser comes back with a slightly lower damage estimate of $4,350 and a slightly higher FMV/ACV than I expected of $7,250 because mechanical and interior are VG. And they still want to call this a total loss. I spoke with him at length as he ran through the numbers and options, which were pretty much limited only to: take the full settlement of $6,750 (ACV less $500 deductible); or a payout of $4,300 and change (ACV less salvage value of $2,223, deductible, and TT&L) with which I can fix my car and (obviously) have to get a salvage title. I'll skip a LOT of details of many, many phone conversations with USAA that yielded often conflicting information about WTF is going on. (At one point I was told that even if I take the owner retain payout, I won't actually have to get a salvage title because the cost to repair was <100%. This was a straight-up lie, after a follow-up conversation with the DMV). But, one key point that took longer than you'd think to wring out of them is that a ratio of repair cost/ACV of 65% is their internal threshold for what kicks it over to a total loss claim. I get it. 65%-75% is the threshold in most states and is a good general ratio to use. But in Texas, it's explicity laid out that the car is not considered a total loss until the cost to repair meets or exceeds 100% of the FMV of the car immediately before the accident. $4K, $4,350, $4,600, doesn't matter; we're not even in the ballpark of $7,250, which is THEIR valuation, not mine. Here's where it gets really fun. I consider just closing the USAA claim and going it alone against the post office. They want two estimates, pictures of the damage and the federal Form 95 claim report they pointed me to. It's unclear what happens at that point, because I can't get them back on the phone after one convo with the person in claims whose number I got from the supervisor at the scene. I want to know if they accept fault, do they just give you the lower of the two estimates? Do they send out their appraiser and I'm potentially fighting this same battle on two fronts. The problem is, even if I were to do that and it worked out in my favor, when USAA closes out that claim, even if I took no action, they have to file a report with the DMV, the vehicle will be flagged as a total loss/salvage and I'll have to get a salvage title. This is what the DMV told me. USAA at first tried to deny this, but when confronted with what the DMV said, backpedaled and said, yeah, that's what happens. Even if I DON'T TAKE THE MONEY. Which just seems insane for a not-at-fault collision on a totally repairable vehicle. I've been getting increasingly frustrated with each successive call to USAA and after the last conversation, they've agreed to send out a "damage expert" to the shop to reassess the damage. This could go one of two ways obviously: he estimates more than the $4,350 of the first guy and they double down that it's a total loss. He comes in closer to the shop's second estimate of $4K and it gives them an out to downgrade from a total loss claim to a regular claim. $4,850 (USAA estimate + ddl)/$7,250 (USAA ACV) = 67%. This is presumably what triggered their internal measure of what's considered a total loss. If he were to arrive at even $4,150, the ratio drops to 63% and would hopefully kick it back to a regular claim. $200. I've been going around and around in circles with these assholes over fucking $200. Why are they so hell bent on getting me to take the settlement, either the full payout or the partial owner retained vehicle payout? Especially since this is initially the more expensive option for them. But, assuming the PO takes responsibility, they're not going to be out a dime in the end. Am I totally off base that even with three estimates, soon to be four, floating around, none of them come close to 100% ACV of the car, which is the requirement in Texas for a vehicle to be declared a total loss? Another phone call to the DMV essentially told me to tell USAA to get bent, DMV's 100% threshold trumps USAA's 65% and that they should know better. I'm considering threatening arbitration/legal action on the next phone call, regardless of what the second appraiser comes back with. And I'm almost certainly going to take our house/cars insurance bundle elsewhere no matter how this shakes out, and plan to let them know that as well. If they're going to give me this much shit over $200 on a not-at-fault collision, I can't imagine the shitshow if say, the house were to burn down. Any thoughts/advice if you've made it this far? [link] [comments]  |
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