I was involved an an automobile accident. I was injured and have medical bills. Who is responsible for paying the bills, my health insurance or the other party’s automobile insurance? Your medical insurance has to pay. They don’t have a…
Posts Categorized In: Insurance and Claims FAQ
Can they raise my rates?
One of the most popular questions I get: Can they raise my auto insurance rates for filing a claim? The answer: Only if you are at fault. The text of the law: The insurer also has the responsibility to determine…
Can A Minor Buy A Car?
Can a minor (someone under 18) buy a car without parental consent? The general rule is that a minor cannot enter into a contract. If the minor does enter into a contract, then the minor can, at his or her…
Do You Need Comprehensive and Collision?
I have an older car. Do I need to keep my comprehensive and collision? The general rule is when the value of the car is less than the deductible plus the premium. At this point, you are better off saving…
More on Adult Kids Driving Cars
My adult son owns his own car, but lives with me. He was involved in an accident. Will they come after me? You should not face any liability if your son owns the car and was the driver. If your…
Property Damage and the $5,000 check
Someone smashed into my parked car. His insurance company sent me a check for $5,000. I say the car’s worth more. Should I accept the check and sue for the other $2,000 or do I refuse the check and sue…
Getting more than one estimate
I damaged someone’s car and they got an estimate that is high. Can I make them get another estimate? No. You are obligated to pay the reasonable cost of repairs. If someone gets an estimate from a reputable body shop,…
Property Damage: What is owed
Someone damaged my property. I want to get a small upgrade. Is the other person responsible to pay for this? You should ask whomever is going to repair your property for a letter explaining why you need what you want….
An Adult Child Used My Car and Injured Someone: Will They Get My Assets?
My daughter, who is over 18 and not on my insurance, used my car without my permission. She was involved in an accident that injured someone. If I am sued, will they come after my personal assets? First, you have…
Auto Accident for Self Employed: What Policy Covers You?
I work for myself and was going to do a personal errand and a business errand when I got into an accident. I have a personal auto policy and a business liability policy. Who will protect me? If both insurance…