Q: My car was a total loss. Can they make me keep my car? A: It depends. Sorry, I wish I had a definitive answer for you. If it is the other person’s insurance, then they can deduct the salvage…
Posts Categorized In: Insurance and Claims FAQ
FAQ: I caused an accident and have no insurance. What can I do?
Q: I was in an accident. It was my fault. I don’t have insurance. What can I do? A: You have a few options: A – You pay him the amount of the estimate. B – You ask him to…
FAQ: When do I get my money from a settlement?
Q: I settled a case with the insurance. When do I get my money? A: It depends. (Good lawyer-like answer, isn’t it?) If you settled with an insurance company, it can be anywhere from immediately to 14 days. If there…
FAQ: Don’t I get a rental car?
Q: My car was in a wreck. The insurance is XXX. Don’t they owe me transportation or a rental car while my car is being repaired without anything coming out of my pocket or whether or not I have a…
FAQ: Who pays for my medical bills?
Q: I was involved in a car crash (formerly called a car accident) and I was injured. I need medical treatment but do not have medical insurance. Who is responsible for paying the bills and providing me treatment? A: The…
FAQ: Can filing a homeowners claim be a bad idea?
This came from a reader and you can read it here. Answer: Yes. If you have a low deductible, you may think you should file smaller claims. However, as discussed in this article from United Policyholders, there is a phenomenon…
FAQ: Which insurance pays for the damage?
Q: I lent my car to someone. He got in a car wreck. Which insurance pays: his or mine or both? A: The answer is not both! You are only entitled to be paid once for the damage to your…
FAQ: What is fair market value?
Q: What is fair market value? How does it differ from the depreciated amount? A: Fair market value is the cost to replace the item in its pre-loss condition. So, if the item is a 4 year old 40″ tv,…
FAQ: Who pays my hospital bill?
Q: I was in an accident. I have a hospital bill of $5,000. Who pays the bill? A: As for getting the bill paid, you have a few choices: A – If you qualify, Medi-Cal will pay. B – If…
FAQ: My adult child was in an accident. Can I be liable?
Q: My adult child was driving a friend’s car when he was involved in a car collision. He lives at home with me. Can they sue me? A: Generally, no. In California, the owner of a car can normally be…