The NY Times reported that car crashes are the leading cause of teenage deaths. According to the American Academy of Pediatrics, motor vehicle accidents contribute to the deaths of 5,500 teenage drivers or passengers each year. The crash rate among…
Posts Categorized In: Auto Insurance
FAQ: Can I get sued for more than my insurance?
Q: I have $15,000 in property damage. I caused an accident and the damage is more. Can I get sued? A: Your insurance company has an obligation to settle within your policy limits, if they can. If they do, then…
FAQ: Can I sue the other person’s insurance company?
Q: I got into a car accident. Can I sue the insurance company for my medical bills? A: Can you sue the other insurance company? No. Can you sue the driver of the other car? Maybe. Let me explain. In…
FAQ: Can I be sued for my spouse causing an accident?
Q: My spouse is an alocholic. Can I be sued if he causes an accident? A: Yes. You can be sued up to the statutory limit if you are a registered owner of the car. If, however, they can prove…
FAQ: The other person did not have enough insurance. What do I do?
Q: I was involved in an accident and my car was damaged. The other person did not have enough insurance to pay for my repairs. Now what? A: Hopefully, you have collision coverage. If you do, then you can go…
Buying Wrecked Cars
I tell my clients that once their car has been in a wreck and declared a total loss, they should give it to the insurance company. The car will never be fixed to your standards again so why deal with…
FAQ: How do I get the other person’s insurance information?
Q: I was involved in a collision. I did not get the other person’s information about his insurance company. I am injured now. How do I get the insurance information? A: When you are involved in an accident, you need…
FAQ: I am being sued for more than my insurance. Now what?
Q: I was in an accident. I have a 25/50 policy ($25,000 per person, $50,000 per accident.) I am being sued for personal injury for more than that amount. Now what? A: It depends. If the insurance company had a…
Don’t pay someone at the scene of an accident
Do not, and I mean never, ever, pay someone at the scene of an accident. Just don’t do it. Nothing good will come from it. A few situations: A – You pay someone for “minor damage.” You don’t have them…
FAQ: My HMO paid my medical bills. Do I have to pay them back?
Q: I was in an accident. My HMO paid my medical bills. I am now settling with the other party’s insurance. Do I have to pay back my HMO? A: Most likely, they can be reimbursed for money they paid…