Wow, this was pretty clear cut and forward. Thank you. I was just in an accident myself, and it’s very confusing. I do have medical as well as a property claim for my car… the other driver was at fault. I had ER visit, specialist for my arm, and ongoing chiropractor for at least a month. The hard part is to tell if I NEED a lawyer, or if they are doing what I can do myself. Do I take my bills and submit them to them? How do I know if I’m getting screwed? The lawyer option is great… but what if the total payout is 5000$ and the lawyer takes a third?
Sometimes you need an attorney, and you need to be aware the process will be slow, and they will get paid 1/3 to 1/2 of the total. If you have injuries, you can file on your health coverage first or your employers workers compensation if employment related. Both case they will try to recover from the other party. On property damage, you can file on your collision if the other party is not accepting fault. You will have to pay your deductible, but the company will try to get that back for you too. To make sure you are not getting cheated: 1. The other party should pay you your wages and other expense if it is a result of the claim 2. They other party should pay all medical costs 3. They should repair or replace your car with like and kind. Not new for old. 4. They should provide a rental car while yours in not available. Understand this is all subject to the policy limits of the other party. All liability policies have a limit they will pay. This is something you decide how much you want to buy. Common limits are $25,000 $50,000 You can buy as high as several million. scenario: Policy limit is $25,000 Your damage is $30,000 The policy will pay $25,000 you will need to try to get the other $5,000 from that person or pay it yourself. Yes, that sucks,
This has definitely not been my experience, my wife was in an accident where someone rear-ended her 2021 MB GLC 300. We filed a claim through the other person's insurance who had Geico, they didn't give her the same style vehicle or similar because they said the state of TN doesn't have to so she was stuck with a compact car from a SUV. Next, they didn't cover the full cost of repairs for her vehicle claiming that the repair shop we chose has higher rates than what they pay out and the remainder of the bill is on us. I am currently still fighting this fight with Geico.
I am sorry to say that Geico does not have the best reputation for claims. I do not, nor would I represent them. We are very selective about the companies we represent. Regarding the rental, most companies will try to put you in a similar vehicle, with limitations to availability and state law. Right now rental inventory is very low. Regarding the repairs. All companies will only pay what the "standardized" rates are. The industry provides a list of what those should be. Some body shops will not adhere to those, which does not bind the company to those rates. Keep in mind that most body shops accept these standardized rates and have a healthy profit margin. These standardized cost structures are there for the protection of you the consumer. It could be that the body shop you used is overcharging.
@@bonmam9511 Not always, but in a not-at0fault accident, it is more likely. Don't go to that option to fast as you may slow the process down. Also, if you have Uninsured Motorist coverage, report to your company and they will represent you.
@@joshs9066 it is a system where another person (insurance company) agrees to take on your financial responsibilities for a fee. There has to be limit and exceptions to what they are willing to pay or there would not be a way to price the product. It is a two way street. Any sort of property insurance is optional. You do not have to buy it. You can opt to buy a bond in many states to meet your insurance legal obligation or you can buy very low liability limits and then represent yourself legally and pay for financial obligations yourself. These are options.
unfortunately, a few companies are very tight to pay. But this is not typical. Also, We do not work with companies that have unfair claim practices. If you work with an agency that does, you might need a new agent.
You’ll almost need an attorney every time to get YOUR insurance company to pony up.. So in the end, you’ll likely be spending money on the policy + attorney fees + deductible of course.. This is why I strongly see auto insurance as a scam.. I live in FL and I stick to my basic PIP insurance.. I try my best to drive safely and I’m prepared to fix any minor damages on my own.. The only reason I have car insurance is because it’s required by law.. I likely minimize my expenses this. Convince me otherwise!
Exactly! I got my corvette totaled by State Farm and they did a comp for 15k and then told me it they didn’t add mileage and it was worth 22k and then repairs came at 14k and still won’t repair it ! They’re trying to take the vehicle and make money off it !
my son was rear ended. got police report and forwarded info to our provider. The gave 3 shops available for estimates. we chose one and dropped vehicle off. We called a week later and was told "we just had to order parts and we are waiting for them to arrive." Later that day we received an email from our provider stating that the vehicle is a total loss and we are being offered a settlement. Moments after receiving the email, we received a call from Copart stating they were ready to come tow the vehicle and needed the keys. This all seems shady and I don't want to learn the hard way. He still owes on the vehicle.
I would talk with the adjuster to see what is the case. Also, they will have you sign a form releasing the auto before it is totaled. have you received this?
Thanks for the informative video, it was clear & educational. However, a situation that did not seem to be covered is, what should someone do (who was in a vehicle accident that was not their fault) regarding a vehicle accident, where the vehicle (owned by the person who is not at fault) is determined a total loss by the insurance company (that insured the "at fault" individual), & that insurance company offers a "payout" for the "total loss" vehicle that doesn't meet established market value (determined by "Blue Book" valuation, & other reputable vehicle price guides) for the "total loss" vehicle? I suppose the answer probably is: "Obtain the services of a lawyer."
That is where I am at. Hit while at the red light, waiting to turn ( 20-25 cars ahead of me ). 2004 truck 292k, great condition ( with receipts ) engine replaced. Claim advisor, ( mine ) said it would probably be a total loss once I mentioned that the rear differential was damaged ( along with bed, tire well ,tire ,leaf springs) , and all was well until that was mentioned. " Well that's another whole animal." was his reply . EVEN IF it is truly totalled , KBB is below the value of THIS truck ( based on the fact that the estimate is drawn from the condition of the vehicle PRIOR to the accident ). 7k in receipts that show in the performance and mileage (200 mi. IN CITY ! ) , and appearance. A paint job wasn't a priority. Yet , the paint is far from horrendous. Looking on how to dispute , what I am confident , will be a low low offering .
My agent said it isn't their responsibility. I am dealing with a company who manages claims for a self-insured national corporation whose on duty driver hit me. Their adjuster finally decided to total my car (after 3 weeks). They only covered a rental for 2 weeks. They are not willing to pay an amount that I can use to actually replace my car. They told me to call my own insurance if I don't like their offer. I haven't even submitted medical bills yet. Absolutely a nightmare. My only option is to beg my insurance agent to get involved or file a complaint with my state insurance board and wait months for arbitration where I could still get the short end of the stick.
Sorry to hear the claim is going so poorly. You can report to your insurance company directly and skip your agent. Then find a new agent. You need to report the medical bills to them to get them to take care of that. If the car it totalled, they will limit the time they will pay for rental. 2 weeks seems fair to me. Regarding the value, you can get a second opinion on the value and submit to the adjuster, but a better route may be to file under your collision coverage.
I just had a DRUNK 18 year old hit 4 parked cars and 2 of them were mine. My insurance company is lowballing the value of my vehicles. I am not in a position to take out a loan nor incur thousands in expenses. I have no one to help me. Thanks for your video
We talked to the adjuster 1 time of the other driver’s insurance about the crash. He has never returned a call. 4 people have tried to call him about getting a rental car. That includes car rental place, our insurance agent, and myself and wife. He said they don’t direct billing in the first call. He stated they only give us $30 a day. He will not return the car rental’s call about making a reservation. We’ve been waiting for 2 weeks. Our agent says he should just handle it since the other insurance won’t respond to anything. We sent this guy and his supervisor the police report. Still no response and the report shows their driver was at fault. The only thing the insurance company of other driver wanted us to get and agree to was a injury check for 2 of the passengers. That literally got to us. The crazy thing is that we did get a letter a week later from the adjuster that we would be responsible for the storage that we sent our car to until they picked it up after the accident. The funny thing is they towed it from the other wrecker service a couple of days after the wreck but sent us that letter. I called him and left a message of course letting the adjuster know that the car is no longer at the place since they took it to some car auction place. After the phone call, someone disabled the tracking device since I knew where it was. They have never updated us where our car is or if the car is totaled or not. Should I sue them?
I recommend that EVERYONE gets gap insurance at the back so that they’ll never be upside down if their vehicle is totaled. My brand new motorcycle got totaled and I would be upside down if I didn’t get that gap insurance.
How should you deal with diminished value in this situation? My car was a certain value before the accident but even if it is repaired the vehicle will be permanently less valuable and/or desirable for resale.
There are some rare endoresements you can add to your collision insurance to help with this. But it is rare. If liability from another parties insurance is paying, then push for the diminished value from them. You can get your car appraised post accident and pre-accident then present those numbers to the company.
@@BeauxKnowsInsurance what is this "diminished value" you speak of? Are you saying that in addition to the at fault person's insurance paying to have my car repaired, I can also receive money for the loss of resell value because my car has been in an accident?
@ maybe. This is going to depend on the insurance companies policy language. I think you should ask for it and try to provide something to prove the difference. I would ask for it and think you deserve it. You may not get it, but it does not hurt to ask for it.
What about when you’re going through the other insurance company of the driver who hit my car and damaged a few others? It’s been a month and I have no rental and my car is still not fixed. They are saying they can’t do anything until they have all the amounts for each car or whatever saying they only have 25k for payout. I’m sure they have more they can dip into they are bugging. As of right now my damages are 5k - I was the first one to call and the first one to get an estimate. She said to get a rental and keep records but if they are saying they might not be able to pay how am I suppose to get a rental when they are saying they might not even cover all my costs. They want me to pay out of pocket and reimburse me later but they are saying they might now have enough. So wtf am I suppose to do. This is so frustrating.
The company will want to speak to everyone first, but there has to be a limit to how long they will wait. It can't go forever and a month seems long enough to me. I would push them on this and the rental car. If you can't get anywhere with them and you have collision insurance on your policy, you can file there and let your insurance company take care of dealing with the other insurance company. If the limit is $25,000, that means the company will not pay more than $25,000 TOTAL for all damages for all parties. If your's are $5,000, I would think you should be okay.
@@BeauxKnowsInsurance I was rear-ended by a Peter Built TRB ( 18 wheeler commercial truck), and I have experienced some soft muscle and cervical injuries. I use to work as an independent Catastrophe Property Adjuster for 20 years, and I don’t know much about vehicle insurance. It makes me feel like a fish out of water. This towing company has accepted liability. I have an attorney and the accident happened 3/25/24. I just want to get better and have my vehicle repaired. I was left with some residual PTSD because the truck hit me and it just continued. Thank God I had the wherewithal to turn my wheels as he moved my little chevy on the curb. The witness saw everything and told me that he was afraid for me because it appeared as if he was going to run over me. All I see is the large grill when I think about it. The vehicle is still drivable but the trunk will not close and the back is bent inwards like a soda can. I have my first chiropractor appointment tomorrow.
@@DoItWrightRo Wow! So sorry to hear and hope you heal quickly. Follow the advice of the attorney you have and make sure he understands any medical issues you are having. Make sure to have a good conversation with your doctor as well to make sure you will not have any prolonged health issues from this event. State laws are usually in place to ensure trucking companies have large liability limits, so your medial and property damages should all be taken care of. If there is a way I can help, let me know and ask it here.
Love your channel, so informative! My car was totaled i wasn't at fault, and my adjuster has worked out a settlement and rental up until they reached sett. However the other persons insurance claim dept. Continues to call leaving messages curious about property damages or rental needs.. is it possible to recieve compensation & reimbursement from their party as well? Not sure if this is potential 'double dipping'?
It is possible as long as there are limits still available and expenses are to be paid. Clear up something for me. Did your insurance pay or the other person’s?
@@BeauxKnowsInsurance well we dealt with our insurer through the whole process; so assuming they went and collected from the at fault parties insurer. I believe it's called subrogation? Not sure
Sorry, I thought I replied. Yes, called subrogation. Potentially there may be money to be collected from the other part still. You want to check in with your company to be sure they recovered everything they paid, that they paid any deductibles you have on your collision or medical insurance. You nor your insurance companies should be out of pocket for anything. Then you can talk to the other company about diminished valued to your auto. since it was damaged, it will be worth less. They should pay for that. If you have any other expenses due to the claim (lost wages, fuel expense, etc) the other company should pay that too.
Thanks for this video. It was very informative ! I recently got my license and haven’t started driving yet. If you could make a video about best auto insurances and practice for new drivers, it’d be great. I live in nyc.
Thanks for the video. I was bumped and the person stated they want to pay out of Pocket. I didn't call cops but retained all intimate info. Could I still file without police report?
I was in a wreck a few weeks ago. Other party is at fault. My car was totaled. My insurance is only willing to offer me about $10,500 for it. I've been trying to get more for it as I think that's a little low. It's a 2012 honda civic exl with only about 106k miles. Will the at fault insurance be responsible paying my insuarance back whatever they pay me for my totaled car? Will I also get back the 10k of my own money that I'm out now to get a used car. A 2016 Honda Civic EX with only 14k miles on it. I also had a rental car that my insurance paid for that's on my policy. Had that for 10 days until I was able to get my own car. My insurance paid 80% & I paid 20% per day to have that. I want back every penny & I hope my insurance gets it back for me.
You will only get the value of the car. If it is low, check with some online dealers like autoteader.com and cars.com with the same vehicle, miles, year, etc. See what that comes up too. if this is different, present a few of them to the insurance company. If your company pays first, they will try to recover the money back as well as your deductible. If you are making payments on the car, the company is required to pay them first.
How do people without insurance renew their plate and registration every year? Do their DMVs not ask for it at renewal? Also, if a cop spots them while driving and stops them for having an expired tag, do they impound the car and report it to the DMV? It seems to me that uninsured drivers always get away scott free no matter how much damage they cause and those of us responsible drivers are suckers for having insurance and paying outrageous rates to cover up for their recklessness! I think the system is rigged against the injured party and protects the reckless drivers who know that and that's why they disregard the law.
Some states are better at regulating this than others. In Louisiana, insurance companies report to the state when a registered owner has an insurance lapse and then flags the persons registration and license as well as fines then. The fines are a lot in Louisiana.Then if they get stopped by police, their auto will get impounded. Also, they can not renew their their license plate or drivers license until they prove insurance and pay the fine.
There are ways to get fake proof of insurance, that is what alot of people do. Honestly you can't blame some people especially young drivers because they want $400+ per month for car insurance. That is enough money to buy a brand new car
Hi, I’m wondering what can be done when the accident occurred on “private property” (gas station lot), and the cops refused to come to the scene of the accident. I live in a fault state and the other driver who was at fault totalled my car. I am now not only left with a $500.00 deductible to my insurance company, but also not getting nearly as much as my vehicle is worth in a settlement. We have video surveillance footage that could be potentially accessible, is it worth contacting a lawyer?
I am so sorry to hear about your accident. In some states, the police will file an "incident report". Not the same as a "police report". it has less data, but they may not do that there. I am assuming if you are paying a deductible that their insurance did not pay and your insurance did. . Can you clarify this for me? If that is the case, why did the at-fault driver's insurance not pay?
Recently in a car accident, the at fault driver never reported te crash. My insurance has been trying reach her but to reply. Her OWN insurance has been try to contact her for a statement and Still nothing. I found out shes a deputy sheriff, what should i do now?
Our car was a total loss after we had a car accident but it was not our fault. My insurance paid off the remaining balance on the car but that's it. That is not fair for me and my family!
The insurance company for the person who hit you should have paid the value of your car based on market value. Did they not do this? You mentioned "my insurance paid". Did they just pay the loan balance after the other company paid the market value?
@@ladjkaoz the only way you can get loan pay off is if you buy either GAP insurance from your dealer or Loan Payoff from your auto insurance company. Typically you can only do this at the time of purchase of the auto.
Help? Please 🙏 I was involved in a accident 9/8/23. Due to a driver who didn’t stop a red turn light and as I crossed the intersection he pulled out with out stopping and hit me going over 50 and in the process turned into my lane with out a blinker and hit my passenger side. I laid into my horn but he didn’t even bother to move due to how fast he was going. The impact pushed me into the median in the shoulder lane and damaged my whole driver side. My air bag went off when he first hit me and my car stalled out when it got pushed to the median. My car was dragged along the median curb to a stop where he separated and kept driving down the road to where I though he leaving. I couldn’t get out of my car at first since my driver door was stuck or something. My head hit the side pillar by the seat belt retainer during the impact. The air bad blew out next to my right ear. My left leg and arm/elbow is still in pain. I still getting bad headaches and random gas smells. Not sure from fumes of airbags. I check the other driver was okay. We exchanged info. I called my insurance for tow but was before business hours. So I called AAA. When I got done UCI police showed up. Female cop asked me what happened, but then Irvine pd showed up. So when I asked for the police report. They said no took one since the property lines were undetermined whos agency it was. Newport? Uci? Irvine pd? So I was like what? Meanwhile the uci female cop was rushing the tow guy and me to leave the site. I wish I recorded it but my hearing was ringing so loud and my head was pounding alone with my adrenaline. I was in shock that was wasn’t seriously hurt. AAA guy said my car flipped then started to charge me 350$ to drop my car when I got home I said no, the agent said I’m covered since I have premium. He said told me because of broken axel. But put on the report the car flipped?? Hmm then as I’m on the phone he hands me his card and took my car to the yard. I said no out my car down. He said nope and took off even though the insurance agent said not that they have a private yard. But yeah. I guess this yard has issues and have my insurance adjuster a hard time even cussed him out and hurried him up. So now a month later. My rental time is up. Due to work I haven’t been able to go to chiropractic and I don’t have real health insurance just medical and every doctor place ask for charge and I literally can’t finance me to go since I’m already broke. Lol Ive never really been in a accident like this let alone a side movement accident. Man this really hurt and sucks man. The other insurance and my own insurance has Declared the other driver %100 at FAULT. Now I’m being told the other insurance wants to hear my story again while I’m still waiting for a check to go get another car because I need one to work and can NOT AFFORD TO MISS WORK. I feel like I’ve missed out some other info but yeah. That’s mostly it. Any ideas? I’ve been hesitant to get an attorney because I feel like I’m gonna get robbed like I’ve have in the past when I was a lot younger in my last accident over 10 years ago. Help?
@@BeauxKnowsInsurance yes, they are but only as far as rental and not really helping me much. I’m suppose to hear from my claims adjuster today actually. So we shall she what she says. But she had told me to call the other insurance and ask them to cover it. I’m thinking ? Isn’t that your job? That’s why I filed a claim? Am I wrong?
The insurance of the other found their insured at fault, came up with an estimate, and when i took to my car to the body shop got a different estimate. I requested a check for payment made out to me for the amount of the estimate of my preferred bodyshop and now they are refusing to pay.
The other driver ran into passenger side, and fled the scene. I have full coverage and insurance only wants pay for “recycled parts” not original parts. Any recommendations, should I flight this? Police report and my insurance agreed I was not at fault for accident.
Many policies will provide for aftermarket parts as an alternative or required unless not available. I've never seen a policy that states you have to use "recycled parts". If this is what your body shop told you, they are mistaken or trying to mislead you. Again, I have never seen a policy require you to use used or recycled parts. Regardless, there is no harm in having that conversation with your adjuster. My advised is always ask, no harm in it and you might get a yes.
My car was hit yesterday while it was parked in the parking lot. The culprit fled the scene. I noticed it when I came from work in the evening. I reported it to the police and they straight away told me that they would not bother to go through the whole 8 hours footage if there is any (as I could not see any cameras pointing towards my car) while it was parked. Also the insurance company is asking me to pay $1000 deductible even though I am not at fault. Please suggest what can be done on this. I am really frustrated.
So sorry to hear it. Unfortunately, if you are filing under your insured, there will be a deductible. How large is the claim amount? if not very much, you may be better paying out of pocket. I am sorry to break that to you. Reply and let me know, I will give you advice on that. If you have Uninsured Motorist, you can file there and the deductible is usually $250. If there are cameras, maybe you can view the footage yourself. Worth an ask. I might also report the issue to the chief of police, I don't think they can't investigate a crime. Which is what you have.
@@BeauxKnowsInsurance I still need to go to the body shop to get the estimate. I am deciding on where to take it from the list that the insurance Company has sent me. The parking lot authorities would not give the footage out to public. Its so pathetic, whats the point of having cameras when no one would bother to go through the footage. At this point, $1000 is a lot for me to pay out of pocket thats why trying my best to get a footage by looking around.
@@ranjansharma2564 So sorry this is not going well. Was the accident in their lot? Get two estimates, and see what they look like before you make the next step. have you already reported the claim to your insurance company?
@@BeauxKnowsInsurance yes the accident was in their lot. I already reported it to the insurance company. So I guess its now in their records. And I hope it’s not going to increase the rates of my insurance moving forward
@@ranjansharma2564 I would try to push the comapnmy to ask for the footage. Maybe they can get a copy of it. They would have more ability to do that. But depending don't he claims amount, They may not do that.
What if I’m going on a month of driving a car with a damaged car and adjuster is not returning my calls, at fault driver, and my insurances calls. I was given a ticket for the missing mirror on my car… what do you advise?
Ask for the supervisor. If no success there, move up the line. You can also report to the Department of Insurance. They usually respond quickly. Who is the insurance company?
What if you didn't get a police report. Just traded information. The information they gave you is expired. But you have the vin number. And Driver license of employee driving the company car.
That makes it tough. You may need to file under your insurance and hope that the insurance company can track down this person. If the person is an employee in a company car, contact that company. They should have a person that can handle the claim for you.
Can you give me some insight on my situation. My truck is fully covered including gap and kbb only rated it as 56k however it’s not even two years old and I paid 84k for it. It’s a 2022 Silverado 2500HD LTZ Z71 fully loaded. My wife, kids, and I were involved in a traffic collision where the other driver is suspected to have been intoxicated and 100% ran his stop sign and we hit him in the intersection. We were on the highway and we did not have a stop sign. We were going the speed limit he was as well. I have obtained a lawyer because someone is going to be buying me a new truck to replace my 84K truck.
If anything tell your insurer just so they know what is going on. They will have a much easier time defending you if the other driver tries to sue you or or tries to lie about what happened. Please don't think your agent is going to be annoyed with you for telling him about it. If anything not telling them is what might annoy them when they find out later. Also if you have any dash camera video showing it make a few backup copies and give one to your insurer. Maybe these days they have a special website it can be uploaded to and you just have to fill out a short form to tell them who is sending it. Also If they do they should ask for vehicle specific information on your vehicle or maybe some sort of PIN preset for this. This way someone can't send stuff claiming to be you for any reason.
Great content! I have a quick question, would you recommend getting a MRI done even if you're not sure you need one, will the at fault insurance pay for it?
I think this depends on the severity of the accident. If you struck your head or had a jar that left you stiff or sore, then yes. The insurance company of the at-fault party would decide if they will pay or not, but they should. Also, your health insurance will pay upfront and will try to recoup from the other insurance company. If you go this route, you will have to pay your deductible, but your health insurance company will try to recoup that and the expenses.
Police wont always come out or do a police report. 1/2024 - I was hit w/damage in back, called police, who balked at sending a cop out, but did. Even the 911 guy acted irritated! The guy from out of sdtate who hit me did not have an insur card & took him 1 hr to get it digitally! The cop said she'd only file a compalaint if he did nt find his insur info! I called his insur co & filed a claim. Germania Insur called the next day. He didnt even call them till 2 days later!
My car was just hit today and the tow company confirmed upon arrive it’s totaled. Absolutely can not drive it anymore. I have a lawyer and we have filed a claim thus far, waiting for the adjuster to call back. What really pisses me off is the drive clearly wasn’t sober but was let go 😢. I would have been badly injured if I was inside. He hit my parked car then his car flipped over. Ridiculous
The tow company does not have the authority to decide that. The insurance company that accepts responsibility for the damages will. decide that. Understand it you have an attorney, the insurance company (adjuster) will not be able to talk with you since the attorney will require you to sign to accept them as your representative. This likely will slow down the process. I just want you to be aware. Is the other party's insurance company accepting responsibility for damages to your auto?
@@vir70eli72 I just got off the phone with them right now. They are accepting responsibility and they have set me up for a rental. They are also picking up my car to inspect damage and what’s to be determined.
@@Tevs91 that’s good. And yeah he has Geico I’m going through them but there was multiple vehicles involved. They told me to just get a rental and be reimbursed but they are also saying they might not have enough to cover so why should I come out of pocket for that while I wait on them to decide and they are saying they aren’t sure if they’ll cover everything. BUT THEY SHOULD, THEIR STUPID DRIVER DID THIS NOT ME. It’s very frustrating. I’m glad at least you’ve got that resolved. I hope I also get everything resolved and I don’t have to pay for anything because my car was parked minding its own business when he came barreling into it.
Got blindsided with a T-bone accident, the other party has State Farm reached out to me and stated that their party is at fault. They are claiming that my car is totaled but haven’t physically assessed it yet and are lowballing me with a check to replace my car not to mention only approving me a rental for three days and stating that they would only start covering my medical expenses after the first $10,000 because of PIP. I feel like I’m getting the short end of the stick. What should I do?
You can get a couple of estimates from dealerships or look up a car similar to yours on a site like Cars.com or Autotrader.com. State Farm is supposed to pay what it costs to buy another just like your car. If you can't find one, then prove it to them and they will need to adjust. Regarding medical, if they accept liability, then they have to may medical up to policy limits. The exceptions on medical are usually related to state laws that could be in place. Example: In Louisiana if you do not have insurance, you can not collect the first $15,000 in medical. Your state may have a similar law. What state are you in?
Scenario One: NJ (no fault state) I own three cars. I decide to drop my collision coverage completely. BAM! Accident- the other guys fault. Who pays for my damaged vehicle/replacement or totaled? Scenario Two: NJ I own three cars. I decide to drop my collision coverage completely. BAM! Accident- my fault. Who pays for the other guys car's damages or replacement? (I know I'll have to pay for my own vehicle) Does this qualify me for being "Underinsured"?
Sorry, you will need to ask a NJ agent on this one. No fault could mean a lot of different things in the state. I suggest googling Auto Insurance and see who has the highest google ratings, call them, or call your agent. If you have a 800# agent, I would suggest calling a local agent, as they are usually more knowledgeable.
It could be that one is not available depending on where you live, or the company may have some policy language that would limit them from doing so. If this is the case, the owner of the policy, the person at fault for your damage, has a responsibility to take care of this for you. If that is not the case, they have to provide you with something that can keep you able to do your job, as well as lost wages, if that is the case. Ask for the supervisor is my next suggestion. Then the other person's agent.
So I got paid a check from my insurance but they want me to go to their auto shop. Do I take the check to them? I wasn’t at fault and they said they won’t close the claim until I get the repairs done so they can send the full price to the other parties insurance.
it is your decision. But insurance companies make agreements with some body shops, they usually call them pro-shops or preferred shops. The benefits of using their preferred shop is greater warranty on the work being performed and if additional damage is found, the body shop can work directly with the insurance company without any hassle to you.
That could be a real problem. If you are in an accident, try to take pictures of the scene of the accident as well as how the cars are at the time of impact. Also, pictures of driver's license, ID cards, and license plate. This should help.
I was hit from behind and I wasn’t at fault the impact was so strong it made me rear end someone in front of me smh 🤦♂️ like where do people get there licenses from?
What do i do in my situation? I was a passenger in a parked vehicle(my driver was not in the vehicle, as i was waiting for them). Someone backed into the vehicle i was waiting in, they gave me their insurance info but im not sure what to do as i was injured as a result from this accident
What happens if I don’t have insurance but it wasn’t my fault can I make a claim with their insurance will it go through even if I don’t have insurance?
You not having insurance typically does not eliminated an insurance companies responsibility to pay. Only instances is if you are in a state that requires you to have insurance if you own a vehicle. In those states, if you own and auto but don't have insurance you may be limited on what you can collect.
@@chargrave3792if they are willing to talk with you, get the insurance information and report. if not, then use the police report to find the information. It will be on that report and you can report the claim. it may have the insurance company name but not phone number. So just google the company.
My wife and I were hit by a drunk driver and their insurance flat out said they’re not paying either of us for the hospital bill or vehicle. The drunk driver was found 100 percent at fault but lawyers won’t help because we only went to the hospital once when the wreck initially happened. What can we do?
if the other party was at fault, them being drunk does not negate their responsibility. For vehicle damage, you can file under your collision and allow your company to pursue the other part. If you are seeking medical, your heath insurance company will try to recoup those costs from the other part. If you are seeking other damages, a lawyer is what you will need. If the attorneys you talked to are declining, then it is either because: 1. There is not enough money in it 2. They don't think there is a good enough case 3. They don't understand the circumstances I would call the other insurance company back and demand they show me where the policy says they don't pay because the driver was drunk. I am pretty sure there is not an exclusion for that. Regardless, the other party, sill is at fault, it is just a matter of getting them to pay.
The thing I worry is that there is a driver a lady rear ended me but the problem is the lady won’t accept alibality until their client answers and as well the lady driving wasn’t even on insurance cover
If you have a police report, you can report to the other parties insurance regardless. That company will want to talk with both of you, but it is not necessary. It may not matter that the other person is not listed on that policy as long as she is not excluded. If that lady is excluded, there will be no coverage under that policy. Then you will need to do one of 2 things: 1. fille under you insurance, or 2. hire an attorney to file suit against that lady and the car owner. This is one of the few instances I suggest hiring an attorney.
My 2010 Kia Soul is old with 290,000 miles. Had a minor front accident im not at fault But insurance don’t want to fix my car. They want to cover the value of the car. But I just recently had installed birth sides axles kia brand 1,000 I paid from kia. I have proof. In the accident that’s exactly what they broke all How can i make them also cover my new axle and not just the value of the car. I had invested in my car Even after accident. Engine still turns on and no problems not heating. Can can be fixable.
they should include the value of the axels is you provide proof, it will not be in addition to what the axel cost would have been for stock. They would pay the additional for the upgrade and the less age. A copy is going to pay the lessor of the repair or market value of your car. The value of your auto is greatly affected by age and miles.
@@BeauxKnowsInsurance IF THAT THE GAME THESE INSURANCE COMPANIES PLAY AFTER YOUR CAR GETS A CERTAIN AGE THEY SHOULD ONLY CHARGE YOU FOR LIABILITY, NOT FULL COVERAGE LIKE ME, AGE DOES NOT HAS A DARN THING TO DO WITH ANYTHING WHEN YOU HAVE REPLACED PARTS WITH NEW ONES
Thanks. Yes i have proof of the axle and was only used for 3 months so practically new kia oem brand 960$ for both sides. As long as they adjust my offer i get by the adjuster
Is their a time limit on when the at fault driver insurance/adjuster have to get back to you with information? I emailed them all details about the accident 3 weeks ago including pics and videos and I’ve called and emailed them 2-3 times a week only to get a response last week that they’re waiting to hear back from their insured client who’s at fault.
In most states, 30 days is what is required by law. 3 weeks is too long. We usually see a timeline of from when the claim starts to when the vehicle is in the shop is about 2 weeks. Then you are at the mercy of the shop. I would ask for a supervisor.
@@vir70eli72Hey I need some piece of information today morning I met with an accident and that guy coming from the community which is blind spot and he came directly into the two way road and I hit him police said it's not your fault. Cai get the same in report or they also ask the other guy what's happen I need to know
What do you do when the insurance company totals out your car ? I had paid for extra coverage, and now everyone is trying to get out of it. My wife is disabled and we had a special seat put in for her, I also had a tow hicks put on to Cary her med equipment and my ins is avoiding me and the other person company is avoiding me to. I don't know what to do
You need to get your agent involved. They can help you with this. The special seat and any other equipment would have had to be added to get paid for that. Otherwise, the policy will only pay for originally installed equipment. You mentioned you paid for extra coverage. What did you pay for?
The seat that was installed, I even took the car to my insurance agent and showed them how it worked, so they know that I was not kidding about it, and now they are dancing around it, and no one is giving me anything kind of a answer about it
Don't let them total it, my car has medium damage, the lady side swiped me, traveling ing a turning lane, first thing out their mouth, IT'S 18 YEARS OLD, WITHOUT LOOKING AT IT, MY SUV HAS NEW EVERYTHING NEW ON IT, MY INSURANCE COMPANY TOLD ME NOT TO EVEN TURN IT IN ON THEM, WHAT
In an event of getting your “Parked” car mashed in from the front end of the bumper to the fenders…what do I do if I am NOT insured & the person at FAULT do have insurance ❓❓❓
have the police respond so you can have a record. Ask for the other person's insurance insurance and report the claim. Understand that some states have laws that will prevent an insurance company from paying part or all of your damages if you do not have insurance. What state are you in?
I was sick I let my friend drive my car, he dropped me off, and parked the car, when he went to get the car from the parking lot he got involved with the small accident hit the bumper from the back whic has small dent, I wasn't in the car in that moment. The police got involved old lady said doesn't need ambulance and everything was fine. Till I heard she is claiming with her insurance medical claim also, she was fine and refused to have ambulance and said to the police she is ok. Unfortunately now they are getting ready to claim medically, I am very disappointed, out of nothing they are trying to get advantage. This issues happening in New Jersey. My insurance company Travellers, also my insurance company said won't renew my policy, please advise
Is Traveleres not renewing for this one incident? I am surprised, they are a very good company, but it could be that they are leaving for other reasons. They may be leaving that area or agent. Ask your agent to help with this and to explain this to you. It is best to file this with your insurance company and let them fight it for you. They have the best resources and will represent you.
I was hit in the side of my car while crossing the street which ran parallel to the train tracks I had just came over. The other driver admitted to the police that she was at fault. My insurance provider said that I was on my own since I didnt have collision. The other drivers insurance provider kept blaming me for the accident for over a month and a half, until I threatened them with a lawyer. Could I have sued my insurance provider?
if you do not have collission insurance, then no, you can't sue your insurance provider. You don't have the coverage necessary. Your insurance agent can give you advice; there is nothing they can do past that. If you have any witnesses, if might be time to bring them into the claim.
I was hit by drivers door while it was parked. And while trying to get out the car the on coming vehicle did not see me and hit my car. My vehicle was not in motion and I’m ok. They want to pay it out of pocket, however the person they chose is charging $550 and they say they would just fix the door panel and paint the rear door a little to match. I’ve been to other mechanics who say I need a whole new door. Should I go through insurance? Will they cover the whole cost of my repair?
that is hard to say. Two things: 1. If more than one auto body shop with strong reviews said you need a new door, then I would push for that. 2. It is possible that the company would pay for a whole new door. I understand the other party wants to pay out of pocket; they do not want a liability claim on their insurance, but they need to be fair. The body shop that said $550: What are they going to do? Do they have good reviews? Many times the company will put a "skin" over a door to repair it. If the integrity of the door or the function is really affected, then you need a new door and insurance should pay for that.
@@BeauxKnowsInsurance So right now it’s been been since 10/12 I have text messages and witness proof that she is at fault, however I do not have a police report. I just got all her information like her DL, and Insurance information So what should I do next? Should I just call her insurance on Monday to provide my proof or get a police report as well. Also does an adjuster come out to me, to see my car and would they still want to talk to her even though I have text messages of our exchange of her being at fault?
Also based on 3 other mechanics who work with insurance claims they said that the used door are actually the same price as the new doors. All in a 1,049 price range.
@@BeauxKnowsInsurance the body shop that said $550 said they would be fixing in the in door panel and doing a paint job. Also the integrity of the door is compromised. The door does not close properly. You have to slam to hard for it to close. And there is a slight gap closure between the driver side fender and doors. I have a 2022 Honda Accord Sport SE so the door is also a smart door and connect to my key fob. I want to make sure that is also not comprised
@@CelestineAboagye yes, you do exactly as you said. Since you have the info and a witness, this should be good. Share the text and witness info along with estimates. Good work!
What if the person that was hit didn’t have insurance, but the trucking company was at fault? And now the police are saying it’s both parties fault. 2nd) how can she get insurance now? It’s been 2 months. She had a couple of insurance in the past. But went to collections because they kept raising the cost she couldn’t third anymore
I was in accident on the 27 t boned they ran a red light I broke my ankle 3 fractured ribs vehicle is totaled I got lawyer about the second week. The others ppl. Insurance. Totaled it out and. I been to therapy now. What’s next process I was told I was to receive pip but lawyer. Said it would be all together in claim I kinda need that now
You will have to wait on the legal process now since a lawyer is involved. Do not try to deal with the insurance company directly as they legally cannot. They have to deal with the lawyer. If the lawyer does not pursue the PIP, you will need to hire another lawyer.
Someone hit my parked car in my apartment it’s new 2023 Honda the whole in front part are damage I contacted their insurance and submitted some pictures and video but the guy told me he will call me at the end of the day but he didn’t now it’s been a week what should I do? Do I need to contact my own insurance? And yes I first called to my insurance agency and they told me to call them first.
Call the adjuster back. It may be that he called but the number showed up as a robo call or something. Call them first. Adjusters spend a lot of time on the phone, so if you miss them, try again.
I don't know but What do you say about if you file a claim on the at-fault parties claim but they blame you and deny your claim. I'm now having to go through my insurance to pay for my car. What are my other options?
Very sorry to hear of the difficulty. In your situation, you are doing the best thing you can do. Your insurance company will do their best to re-coup any cost and your deductible from the other part or other party insurance company. If you can't get anywhere and you know they are at fault, you could hire an attorney. Are there any witnesses or video footage available? Maybe a dash cam?
If your company has your license plate, they should have reported it to the state. If they are not returning your calls, call your agent. They need to know this and step in for you.
@Beaux Knows Insurance - Reed Insurance I had to keep hounding insurance but found my tags with a junk yard. One was missing, but I got it cancled with MVA.
My car was hit in my work parking garage and the person took off. My work has own police department and are checking the camera recordings. Im waiting to see if police will find the car who hit me from recordings. Should i tell my insurance? I will have to pay $500 deductible. Or the whole thing if we dont find person.
Sorry to hear about the trouble. If I were you, I would file the claim on my insurance, unless you think the police have a good lead on the perpetrator. As it may take some time to catch the person.
I was hit on my bike, the bike was damaged and I went into the hospital for x-rays and an MRI. Does my car insurance company need to get involved? Havnt heard from the drivers insurance company going on 6 days. What do I do?
So sorry to hear. Hope you are getting better. If you have Uninsured Motorist, then you can report there. If you have a police report, you can report the claim yourself to the insurance company of the person that hit you. If you need help from there. Your agent will probably help you get a claim reported to the other party's insurance company.
yes, it can. Potentially though, you may have an issue where the value of repairing the damage from the airbag is greater than the value of the car. In that case, the car would be considered a total loss. You then have the option to repair it still, but you would have to negotiate with the company to buy the auto as a "salvage auto". Hope that helps.
A drunk driver hit my uninsured parked car. My brother n law bought it from me and was in the process of transferring the plates to his name to have it insured. It’s not an expensive vehicle but now he out of a car. Should he file the claim with the offenders insurance or should I, considering the vehicle is registered to me?? Would this impact my current rates for my other vehicles? Thoughts? Thank you. We’re in the state of Illinois. Thanks again.
If you can file against the offender, do that. That is who should pay. If you cannot, then your brother-in-law may be able to do so. If they have an auto policy now with another auto on that policy with Collision Insurance, then you may be able to file there. Your brother-in-law would have some automatic coverage oh his auto policy.
@@BeauxKnowsInsurance wouldn’t the offenders insurance company want to know who the vehicle is insured with? It has no insurance and the vehicle is registered to me. Would that be claim held against my record?? Sorry for all the questions I’m just wondering if i should take the L and move on.
No apologies needed. they will want to know who owns it as well as proof. If registered to you, you will need to state that and have you be paid. If their insurance pays it will not negatively impact your insurance. I am not sure if they will ask about your insurance. That is different from state to state. But it should not matter. To sum it up: * I would file a claim against the other persons insurance * tell them it is your auto, legally it is. * if they ask if you have insurance, just state who your liability insurance is on your other cars. * this claim will not affect your insurance.
The shop belongs to the owner of that business. The insurance company has an agreement to work with them and accept the suggested repairs as directed by the body shop.
Hello, this is the Garcia family. We had a driver who ran the stop sign and we collided with him. He has State Farm and his insurance is a 250,000 gap our vehicle was totaled. They paid the vehicle off. They gave us a rental. my wife has expensive medical bills due to broken sternum And fractured ribs we have a lawyer and it’s now going to sue State Farm is trying to give us a lowball offer our lawyer is doing a litigation do u think we will get at least something out of this ?
I think you will get something out of it, but historically speaking, you usually come out about the same with how much you recover. The total settlement will be more, but the attorney will get 33 - 50% of the total claim amount. It will also take longer. expect this to go for 3 - 9 months. depending on the case and legal climate of your area.
Question I was not at fault in an accident and the car was totaled A. Does my insurance company pay the remaining balance on my car loan if totaled ? And the at fault driver insurance company also cut me a check ? B. Or does the car just get paid off and I don’t receive any money to buy a new vehicle ?
A. The policy will pay the market value of the policy unless you have added additional coverage to your policy. Usually, this is called Loan Lease Payoff. If the at-fault driver has insurance, they will pay the market value of the auto, but both will not. if you have Loan Lease Payoff on your policy, you could file under your policy for that portion. B. The only way you will have money left over after the claim is settled is if you have equity in the car, meaning your car is worth more than your loan balance. The goal of insurance is to put you back where you were financially pre-claim. Does this answer your questions?
Who do we need to contact. To complain about the insurance company that knows iOS not your fault but don’t want to pay can u take insurance company to court without a lawyer
Some states you can represent yourself in court, but I would not suggest that. You would find yourself fighting against an attorney, and might not do well. You could file a complaint with the states insurance commissioners office. You can also file with your own insurance and let them fight for you. This would be contingent on you having collision insurance of your own.
Only way then if if you can track them down or file under your insurance. Report to the police, maybe they can track the person down. Options under your insurance are going to be: Collission or Uninsured Motorist Property Damage Both have deductibles but would take care of paying to fix your car. Uninsured Motorist would also provide money for medical bills for you and anyone in your auto.
I had a rental car and somebody hit me in the back and I fixed the rental car and brought it back and they didn't even recognize the the car was damaged I have an insurance they have insurance the people that hit me and can I go to their insurance and get paid
@@RickyLandon-y5v it will be difficult after the repairs have been made, but you may be able to do that. Present photos, paid invoice, police report and any eye witness reports, you might be able to recover your money.
I should have gotten a lawyer. Lady rear ended me, jumped through hoops with adjustor.. now 6 months later I received a bill yesterday from the hospital I had x-ray exam due to soreness beginning just days after the accident. The hospital says the at fault driver's insurance has denied responsibility. Make this make sense please anyone..
@@zslots6657 If they accepted liability for damages then they would have to for the medical also. However, it could be that they limits were maxed out on their policy. Every auto policy has a maximum limit that they will pay up to. You select this limit when you buy your insurance. If may be that the limits were used up. If this is the case, you may be able to file the additional property damage under your policy. Ask your agent. Also you can file the medical under your health insurance. Other option would be to pursue the person for the remainder of the money on your own or through an attorney.
What about if you file a claim on the at-fault parties claim but they blame you and deny your claim. I'm now having to go through my insurance to pay for my car. What are my other options?
Great point. I need to make a video about that. One option is to do as you are and file on your own insurance then ask them to “surrogate” against the other insurance company. Meaning, your insurance company will pay for your damages then defend you try to recoup the cost from the other insurance company.
@@BeauxKnowsInsurance That comforts me. Now, If the police gives the other partie a ticket and finds them at fault but their insurance says you are 51% at fault. Would I have gave greater chance in winning in abritration? Since I didn't get a ticket nor was I found at fault before the police. Logically I'm innocent and they should pay up.
Even though the officer gave the other part a ticket, the courts will not allow this to indicate guilt or innocence. I know this does not seem right, but the courts decided decades ago that this would not be giving people their right to “due process”. It is the court’s responsibility to prove guilt, and the police officer does not have that authority. I think most prudent people would arrive at the same “logical” conclusion you did. I know that does not solve your problem, I’m just explaining what the ticket itself does not decide fault. Some other options you have would be to see if you can find witnesses to the accident or also any video footage. Both of these could be used to help prove your innocence and their guilt. You can also review the accident report and verify it is accurate. If not accurate, you can ask for a correction. Your best option at this point would be if you have some witnesses that could collaborate your story. I hope this helps and I am sorry to see you having such a difficult time.
@@BeauxKnowsInsurance Ok, Thanks. I do have a witness. Is there a legal hoop that you have to go through to get video from a gas station or else where? I do have info that might could use that you can't travel the median.
For the video footage, I would suggest you bring this up to your claims adjuster with your insurance company to see how they suggest you to move forward. Each state will have different laws regarding using recordings of people as evidence without their permission.
My GF was hit shes offered 20k and the jeep is still going for 30k. She owes 13k so their saying she will only get 7k. Hows it fair to be upside down when not at fault. (Both have insurance)
I would suggest getting some valuations on the Jeep. Try looking up the Jeep with same model, miles, package, etc at Autotrader.com and Cars.com. Show the company these numbers and tell them they need to pay more because the value is not right. Understand that in the scenario you mentioned, the company will pay off the 13k in debt, so she will not owe that anylonger. The company can't pay that $13,000 to her due to the lien against the car.
i agree, the court would be the final decision-maker if it went that route. If you have a report, you can use that to open a claim with an insurance company. However, the insurance will still need to discuss with all parties and decide on fault.
Rental depends on your policy as an insured or a claumant. Huge problem the in the business. Theres is no get 3 estimates after 1995. Lol. Depending on state law, you go to the shop of your choice. Any injuries, get a lawyer
@@brianlogan4243 Rental will depend on your policy because you have an option to either pay for this or not. Some do not want to pay for it. If the other party is at fault, their insurance will provide the rental car. You pay for the option only for your own policy to provide this to you. Liability is always included. Part of your statement about 3 estimates is true. Only that it is not necessary. Insurance companies work with preferred shops that will fix your auto, these shops are typically independently owned shops and they work for you, the auto owner, not for the insurance company. You are not required to use the preferred shops. In some cases an adjuster will come inspect the car to write an estimate. Regardless, I encourage all claimants to get an estimate from at least one other shop. There is no law against this nor does the insurance company have a problem with a person do this.
@@vir70eli72 I would suggest you check in with AllState. Even as a claimant, they do not pay it forward for rental, it works on reinbursement now. Rental or the lack of it, is easily the most often forgotten expense when involved in a repair. Most shops are not very interested in writing an estimate when they are not going to be doing the repair. Maybe in your state it is different? but in the Northeast, unless the vehicle is not driveable it is the youscan system. Claimants use the insureance app to take their own pictures and a desk review appraisal is done, usually missing much of the damage. The always overlooked challenge on the insurance and repair facility side as well as the owner, is THE CLOCK. Everyone wants it done asap at the lowest cost and no one allows for down time or supply issues or volume. What is the point of getting multiple estimates if the insurance company is only going to pay from the estimate under their protocol? All most likely will require supplements.
a 25 year old crashed into me (tbone) and says he has better car insurance than me and it was my fault, turns out his insurance isnt better than my state farm, he said "oh no, your such a bad driver, your rates are gonna go up, you gonna lose ur licence
I would not take advice from the 24 year old. Sounds like they were trying to intimidate you. Report to your company and let them deal with the accident and claim. You should not loose your license either. Your rates will not be affected if the other part was at fault.
What do I do if the driver who hit me fled before cops came, & we identified him to the police and they towed his car to the impound& he lied to his insurance & says he wasn’t driving his car when it hit our parked car & his insurance is stalling to fix my car
so sorry to hear this. One thing you can do is present the police report to the other insurance company; this may speed it up. Next you can file under your collision coverage and allow your company to recover the money from the other insurance company or the other person. Lastly, you could contact an attorney. I would do this as a last resort. But it may be necessary. As a side note, potentially, there may be some camera footage somewhere that would validate that the person in question was driving.
I sent his insurance the crash report and they are stalling to pay. I have no vehicle for 5 weeks now and his insurance won’t even get me a rental car. We identified the driver to the police, they questioned him and he lied saying his car was stolen. My boyfriend confronted him when he hit my car, he fled & his car was impounded to the police pound. It’s a horrible mess. I can’t even make my doctor appointments & I have health issues. This is soo stressful.😢
What supposed to happen and what actually happens are tow entirely different things. My daughter was rear ended, ended up in the ER nad was hospitalised for 8 days. I had to call the at fault (progressive) adjuster and they began giving me the run around. Could not get a car rental , could not get an adjuster to come to do an estimate on the car, was bullied, coerced, screamed at etc. Wrote the CEO a firm email detailing what had been going on with names, dates and times and Conversations. They set up a time for their adjuster to show up and he simply never did. The CEO was sent a total of 4-5 emails within a 11 day period after which i hired an attorney. Now they are tying to send me information and call me. I refer all there emails to my attorney, i take none of their calls and I have filed a claim against them with the Insurance Commissioner. It’s a serious nightmare dealing with any insurance company. They have zero moral, tactic, ethics or value for anything besides screwing over people.
I am sorry to hear you are having so much trouble and I hope your daughter is doing well now. This is not the usual for Progressive. Prayers for your daughter.
@@iablueprint thank you so much. I was informed today by the insurance commissioners office that they will close my case as the only person who can file the claim against progressive is their own insured and not a third party and it is not my insurances job to help with the accident. I was so surprised. This is why these insurances do what they do, there is zero accountability for them. Thank you so much for your response and your prayers. It’s very kind of you.
this is true for your policy to pay you. If you are involved in a not-at-fault accident, the other insurance company is required to provide a rental car if you need one.
@@BeauxKnowsInsurance this happened earlier this year after I was in an accident which wasn’t my fault but the other party took liability within 24 hours. all the at fault insurance did was reimburse me for rental receipts after rental was returned. I had to pay up front, they refused to book the car. So technically did they provide one? Genuine question I’m also dealing with this same issue now unfortunately after another accident, got hit from someone running through a stop sign. the at fault party won’t accept liability as of today, after 30 days because they can’t get in touch with their insured. Any suggestions? The driver for BOTH accidents didn’t have driver licenses but the vehicle was insured. Frustrating
@@ryanengh1 So sorry to hear. If you have an accident report from the police or sheriff report, this should help. Any witnesses would help, too. The company does need to give its customers an opportunity to give their side of the story, but 30 days is too long. You can push back on the company and ask them to move forward. It is not your fault that their customer will not respond. . The fact is you were involved in an accident with a vehicle insured by them. Another option would be to file under your collision insurance, and then your insurance company would deal with the other party and the other party's insurance company. Understand you will have to pay your deductible, but your company will take care of this for you. Another option would be to file under uninsured motorist property damage if you have this.
They sent me to Enterprise. Enterprise took my credit card info. They then billed both State Farm and My Bank!!! I disputed it and lost. Thank you for being awful and greedy. Fascists, corporate greed.
do you work for an insurance company? adjustors are not your friend and are not trying to help you. they are trying to protect the company's bottom line by denying, delaying and defending all claims. full stop.
I am an insurance agent. A go between the company and the customer. Unfortunately, there are companies that are difficult to deal with, but we do not work with companies like that. If you have had that type of experience it could be that you have a poor agent that does not value your relationship and therefore does not care about the quality of companies they represent.
@@BeauxKnowsInsurance since you were talking about the process of dealing with insurance agents i just wanted to share what myself and many others are going through when it comes to a claim. i'm going through a lot of headaches from a guy that purposely hit my lexus and then drove away quickly. USAA is giving me a hard time with wanting to put aftermarket parts on my lexus suv.
I have a issue where i got in a accident last month and it wasnt my fault. I got a claim # from the other party thinking they would pay for the damages they cause. I ask for a claim # through my insurance from this accident but they say that they dont have a claim since im going to get my car fixed from the other party. Anyone can answering me why my agent dont have a clue why i dont get a claim # from my agent to keep track of this accident???? I got my attorney on the phone with my insurance company and my insurance company agent say they dont give a claim number? My attorney needs a claim number so they can put a lawsuit against the other insurance company. The agent got upset and defensive and said that they will get there boss to resolved the issue i have. This claim number request is from my lawyer
The claim number would be provided by the insurance company that is going to pay. If that is not your agent, then they would not have one. Agents do not produce claim numbers nor would they necessarily keep track of the claim status if another parties insurance company is taking care of the claim. That is how it is intended to work and there is no way for your agent to be aware without you updating them. The other insurance company will not communicate with your agent. The reason for this is the insurance company represents their customer, not anyone else. When the insurance company communicates with a claimant, it is on-behalf-of their client. This is the same thing your insurance company should do for you. If I am misunderstanding something here, please let me know.
Im fighting liberty mutal they are refusing to come out to look at the car and i have a police report that shows the other driver at fault and they are giving me a run around talking about the other driver stating road rage there was no road rage the guy hit me and fled the scene i got the guys plate number the cops went to the guys home and the adjuster is refusing to come out to look at the car and the case is escalated to a pannel review board
90% OF YOU WHO DON'T HAVE INJURIES won't RELATE TO THIS VIDEO BECAUSE UNLESS IT'S A MINOR DENT OR SCRATCH ON a 60,000 + DOLLAR VEHICLE ; BECAUSE THE ADULT POPULATION HAS EXPLODED AND BODY SHOPS ARE SO BEHIND AND CANT GET PARTS FOR WEEKS OR MONTHS , SO THE INSURANCE TOTALS 80% OF THE TIME NOW , AND SCREWS ALMOST EVERYONE ESPECIALLY IF YOU ARE STILL PAYING ON YOUR CAR .
100% incorrect. Body shops that are run well are not backed up. 80% of claims are not totaled The adult population has not exploded. Insurance companies are not in the business of screwing people. Don't know what you are saying in the before the ";"
RUclips Folks, what's the heck wrong with all of you ? Are you bringing some valid content and discuss a serious issue or playing a concert - music like on the radio ? Is it even possible to hear speaking someone on the subject without hearing some ***ucking disco in the background ? All the best.
![Digital Circus Episode 4 [TRAILER]](http://i.ytimg.com/vi/abZtsmMUbJo/mqdefault.jpg)
Wow, this was pretty clear cut and forward. Thank you. I was just in an accident myself, and it’s very confusing. I do have medical as well as a property claim for my car… the other driver was at fault. I had ER visit, specialist for my arm, and ongoing chiropractor for at least a month. The hard part is to tell if I NEED a lawyer, or if they are doing what I can do myself.
Do I take my bills and submit them to them? How do I know if I’m getting screwed?
The lawyer option is great… but what if the total payout is 5000$ and the lawyer takes a third?
Sometimes you need an attorney, and you need to be aware the process will be slow, and they will get paid 1/3 to 1/2 of the total.
If you have injuries, you can file on your health coverage first or your employers workers compensation if employment related. Both case they will try to recover from the other party.
On property damage, you can file on your collision if the other party is not accepting fault. You will have to pay your deductible, but the company will try to get that back for you too.
To make sure you are not getting cheated:
1. The other party should pay you your wages and other expense if it is a result of the claim
2. They other party should pay all medical costs
3. They should repair or replace your car with like and kind. Not new for old.
4. They should provide a rental car while yours in not available.
Understand this is all subject to the policy limits of the other party. All liability policies have a limit they will pay. This is something you decide how much you want to buy.
Common limits are
$25,000
$50,000
You can buy as high as several million.
scenario:
Policy limit is $25,000
Your damage is $30,000
The policy will pay $25,000
you will need to try to get the other $5,000 from that person or pay it yourself. Yes, that sucks,
i'd get a lawyer
I'm in physical pain but this video made me feel better
This has definitely not been my experience, my wife was in an accident where someone rear-ended her 2021 MB GLC 300. We filed a claim through the other person's insurance who had Geico, they didn't give her the same style vehicle or similar because they said the state of TN doesn't have to so she was stuck with a compact car from a SUV. Next, they didn't cover the full cost of repairs for her vehicle claiming that the repair shop we chose has higher rates than what they pay out and the remainder of the bill is on us. I am currently still fighting this fight with Geico.
I am sorry to say that Geico does not have the best reputation for claims. I do not, nor would I represent them. We are very selective about the companies we represent. Regarding the rental, most companies will try to put you in a similar vehicle, with limitations to availability and state law. Right now rental inventory is very low.
Regarding the repairs. All companies will only pay what the "standardized" rates are. The industry provides a list of what those should be. Some body shops will not adhere to those, which does not bind the company to those rates.
Keep in mind that most body shops accept these standardized rates and have a healthy profit margin.
These standardized cost structures are there for the protection of you the consumer.
It could be that the body shop you used is overcharging.
Now you need a lawyer 💯
@@bonmam9511 Not always, but in a not-at0fault accident, it is more likely. Don't go to that option to fast as you may slow the process down. Also, if you have Uninsured Motorist coverage, report to your company and they will represent you.
Insurance is a system of people who owe you money deciding how much they owe you. What could possibly go wrong? 🤔
@@joshs9066 it is a system where another person (insurance company) agrees to take on your financial responsibilities for a fee. There has to be limit and exceptions to what they are willing to pay or there would not be a way to price the product. It is a two way street.
Any sort of property insurance is optional. You do not have to buy it.
You can opt to buy a bond in many states to meet your insurance legal obligation or you can buy very low liability limits and then represent yourself legally and pay for financial obligations yourself.
These are options.
Lol insurance adjusters don't wanna pay anything ,needed a lawyer to deal with them
unfortunately, a few companies are very tight to pay. But this is not typical. Also, We do not work with companies that have unfair claim practices. If you work with an agency that does, you might need a new agent.
I can’t find lawyers that won’t help with out injury
You’ll almost need an attorney every time to get YOUR insurance company to pony up.. So in the end, you’ll likely be spending money on the policy + attorney fees + deductible of course.. This is why I strongly see auto insurance as a scam.. I live in FL and I stick to my basic PIP insurance.. I try my best to drive safely and I’m prepared to fix any minor damages on my own.. The only reason I have car insurance is because it’s required by law.. I likely minimize my expenses this. Convince me otherwise!
Exactly! I got my corvette totaled by State Farm and they did a comp for 15k and then told me it they didn’t add mileage and it was worth 22k and then repairs came at 14k and still won’t repair it ! They’re trying to take the vehicle and make money off it !
Going through that now. I just hired a Lawyer!
my son was rear ended. got police report and forwarded info to our provider. The gave 3 shops available for estimates. we chose one and dropped vehicle off. We called a week later and was told "we just had to order parts and we are waiting for them to arrive." Later that day we received an email from our provider stating that the vehicle is a total loss and we are being offered a settlement. Moments after receiving the email, we received a call from Copart stating they were ready to come tow the vehicle and needed the keys. This all seems shady and I don't want to learn the hard way. He still owes on the vehicle.
I would talk with the adjuster to see what is the case. Also, they will have you sign a form releasing the auto before it is totaled. have you received this?
Thanks for the informative video, it was clear & educational.
However, a situation that did not seem to be covered is, what should someone do (who was in a vehicle accident that was not their fault) regarding a vehicle accident, where the vehicle (owned by the person who is not at fault) is determined a total loss by the insurance company (that insured the "at fault" individual), & that insurance company offers a "payout" for the "total loss" vehicle that doesn't meet established market value (determined by "Blue Book" valuation, & other reputable vehicle price guides) for the "total loss" vehicle?
I suppose the answer probably is: "Obtain the services of a lawyer."
That is where I am at. Hit while at the red light, waiting to turn ( 20-25 cars ahead of me ). 2004 truck 292k, great condition ( with receipts ) engine replaced. Claim advisor, ( mine ) said it would probably be a total loss once I mentioned that the rear differential was damaged ( along with bed, tire well ,tire ,leaf springs) , and all was well until that was mentioned. " Well that's another whole animal." was his reply . EVEN IF it is truly totalled , KBB is below the value of THIS truck ( based on the fact that the estimate is drawn from the condition of the vehicle PRIOR to the accident ). 7k in receipts that show in the performance and mileage (200 mi. IN CITY ! ) , and appearance. A paint job wasn't a priority. Yet , the paint is far from horrendous. Looking on how to dispute , what I am confident , will be a low low offering .
My agent said it isn't their responsibility. I am dealing with a company who manages claims for a self-insured national corporation whose on duty driver hit me.
Their adjuster finally decided to total my car (after 3 weeks). They only covered a rental for 2 weeks.
They are not willing to pay an amount that I can use to actually replace my car. They told me to call my own insurance if I don't like their offer.
I haven't even submitted medical bills yet. Absolutely a nightmare. My only option is to beg my insurance agent to get involved or file a complaint with my state insurance board and wait months for arbitration where I could still get the short end of the stick.
Sorry to hear the claim is going so poorly.
You can report to your insurance company directly and skip your agent. Then find a new agent.
You need to report the medical bills to them to get them to take care of that.
If the car it totalled, they will limit the time they will pay for rental. 2 weeks seems fair to me.
Regarding the value, you can get a second opinion on the value and submit to the adjuster, but a better route may be to file under your collision coverage.
I have fairly regular MRI and CT scans and there are multiple different kinds of each but mine range between $7000-18,000.
Very expensive! Thanks for sharing.
I just had a DRUNK 18 year old hit 4 parked cars and 2 of them were mine. My insurance company is lowballing the value of my vehicles. I am not in a position to take out a loan nor incur thousands in expenses. I have no one to help me. Thanks for your video
So sorry to hear about the claim. It is important to have an agent that you know at times like these.
If I can help, let me know.
Look up Collision Safety Consultants, they'll help you out.
We talked to the adjuster 1 time of the other driver’s insurance about the crash. He has never returned a call. 4 people have tried to call him about getting a rental car. That includes car rental place, our insurance agent, and myself and wife. He said they don’t direct billing in the first call. He stated they only give us $30 a day. He will not return the car rental’s call about making a reservation. We’ve been waiting for 2 weeks. Our agent says he should just handle it since the other insurance won’t respond to anything. We sent this guy and his supervisor the police report. Still no response and the report shows their driver was at fault. The only thing the insurance company of other driver wanted us to get and agree to was a injury check for 2 of the passengers. That literally got to us. The crazy thing is that we did get a letter a week later from the adjuster that we would be responsible for the storage that we sent our car to until they picked it up after the accident. The funny thing is they towed it from the other wrecker service a couple of days after the wreck but sent us that letter. I called him and left a message of course letting the adjuster know that the car is no longer at the place since they took it to some car auction place. After the phone call, someone disabled the tracking device since I knew where it was. They have never updated us where our car is or if the car is totaled or not. Should I sue them?
i would say yes but im not an expert lol
Hell Yeah
Sounds like they stole your car.
Definitely sue! At least for small claims
I recommend that EVERYONE gets gap insurance at the back so that they’ll never be upside down if their vehicle is totaled. My brand new motorcycle got totaled and I would be upside down if I didn’t get that gap insurance.
@@aaronclark4790 This is good advice. You can buy it through you insurnace policy for less than through the dealer. Ask your agent about it.
How should you deal with diminished value in this situation? My car was a certain value before the accident but even if it is repaired the vehicle will be permanently less valuable and/or desirable for resale.
There are some rare endoresements you can add to your collision insurance to help with this. But it is rare.
If liability from another parties insurance is paying, then push for the diminished value from them.
You can get your car appraised post accident and pre-accident then present those numbers to the company.
@@BeauxKnowsInsurance what is this "diminished value" you speak of? Are you saying that in addition to the at fault person's insurance paying to have my car repaired, I can also receive money for the loss of resell value because my car has been in an accident?
@ maybe. This is going to depend on the insurance companies policy language. I think you should ask for it and try to provide something to prove the difference.
I would ask for it and think you deserve it. You may not get it, but it does not hurt to ask for it.
What about when you’re going through the other insurance company of the driver who hit my car and damaged a few others? It’s been a month and I have no rental and my car is still not fixed. They are saying they can’t do anything until they have all the amounts for each car or whatever saying they only have 25k for payout. I’m sure they have more they can dip into they are bugging. As of right now my damages are 5k - I was the first one to call and the first one to get an estimate. She said to get a rental and keep records but if they are saying they might not be able to pay how am I suppose to get a rental when they are saying they might not even cover all my costs. They want me to pay out of pocket and reimburse me later but they are saying they might now have enough. So wtf am I suppose to do. This is so frustrating.
The company will want to speak to everyone first, but there has to be a limit to how long they will wait. It can't go forever and a month seems long enough to me.
I would push them on this and the rental car.
If you can't get anywhere with them and you have collision insurance on your policy, you can file there and let your insurance company take care of dealing with the other insurance company.
If the limit is $25,000, that means the company will not pay more than $25,000 TOTAL for all damages for all parties. If your's are $5,000, I would think you should be okay.
Great information!! Thanks for sharing!
Glad it helped.
@@BeauxKnowsInsurance
I was rear-ended by a Peter Built TRB ( 18 wheeler commercial truck), and I have experienced some soft muscle and cervical injuries. I use to work as an independent Catastrophe Property Adjuster for 20 years, and I don’t know much about vehicle insurance. It makes me feel like a fish out of water. This towing company has accepted liability. I have an attorney and the accident happened 3/25/24. I just want to get better and have my vehicle repaired. I was left with some residual PTSD because the truck hit me and it just continued. Thank God I had the wherewithal to turn my wheels as he moved my little chevy on the curb. The witness saw everything and told me that he was afraid for me because it appeared as if he was going to run over me. All I see is the large grill when I think about it. The vehicle is still drivable but the trunk will not close and the back is bent inwards like a soda can. I have my first chiropractor appointment tomorrow.
@@DoItWrightRo Wow! So sorry to hear and hope you heal quickly.
Follow the advice of the attorney you have and make sure he understands any medical issues you are having. Make sure to have a good conversation with your doctor as well to make sure you will not have any prolonged health issues from this event.
State laws are usually in place to ensure trucking companies have large liability limits, so your medial and property damages should all be taken care of.
If there is a way I can help, let me know and ask it here.
Love your channel, so informative! My car was totaled i wasn't at fault, and my adjuster has worked out a settlement and rental up until they reached sett. However the other persons insurance claim dept. Continues to call leaving messages curious about property damages or rental needs.. is it possible to recieve compensation & reimbursement from their party as well? Not sure if this is potential 'double dipping'?
It is possible as long as there are limits still available and expenses are to be paid. Clear up something for me. Did your insurance pay or the other person’s?
@@BeauxKnowsInsurance well we dealt with our insurer through the whole process; so assuming they went and collected from the at fault parties insurer. I believe it's called subrogation? Not sure
Sorry, I thought I replied. Yes, called subrogation. Potentially there may be money to be collected from the other part still. You want to check in with your company to be sure they recovered everything they paid, that they paid any deductibles you have on your collision or medical insurance. You nor your insurance companies should be out of pocket for anything. Then you can talk to the other company about diminished valued to your auto. since it was damaged, it will be worth less. They should pay for that. If you have any other expenses due to the claim (lost wages, fuel expense, etc) the other company should pay that too.
Thank you for explaining in detail!
Thanks for this video. It was very informative ! I recently got my license and haven’t started driving yet. If you could make a video about best auto insurances and practice for new drivers, it’d be great. I live in nyc.
Thanks for the video. I was bumped and the person stated they want to pay out of Pocket. I didn't call cops but retained all intimate info. Could I still file without police report?
you can; you will need the other party to collaborate or provide some other form of proof, though. Otherwise, it is your word against their word.
I was in a wreck a few weeks ago. Other party is at fault. My car was totaled. My insurance is only willing to offer me about $10,500 for it. I've been trying to get more for it as I think that's a little low. It's a 2012 honda civic exl with only about 106k miles. Will the at fault insurance be responsible paying my insuarance back whatever they pay me for my totaled car? Will I also get back the 10k of my own money that I'm out now to get a used car. A 2016 Honda Civic EX with only 14k miles on it. I also had a rental car that my insurance paid for that's on my policy. Had that for 10 days until I was able to get my own car. My insurance paid 80% & I paid 20% per day to have that. I want back every penny & I hope my insurance gets it back for me.
You will only get the value of the car. If it is low, check with some online dealers like autoteader.com and cars.com with the same vehicle, miles, year, etc. See what that comes up too.
if this is different, present a few of them to the insurance company.
If your company pays first, they will try to recover the money back as well as your deductible.
If you are making payments on the car, the company is required to pay them first.
How do people without insurance renew their plate and registration every year? Do their DMVs not ask for it at renewal? Also, if a cop spots them while driving and stops them for having an expired tag, do they impound the car and report it to the DMV? It seems to me that uninsured drivers always get away scott free no matter how much damage they cause and those of us responsible drivers are suckers for having insurance and paying outrageous rates to cover up for their recklessness! I think the system is rigged against the injured party and protects the reckless drivers who know that and that's why they disregard the law.
Some states are better at regulating this than others. In Louisiana, insurance companies report to the state when a registered owner has an insurance lapse and then flags the persons registration and license as well as fines then. The fines are a lot in Louisiana.Then if they get stopped by police, their auto will get impounded. Also, they can not renew their their license plate or drivers license until they prove insurance and pay the fine.
FACTS ❤
There are ways to get fake proof of insurance, that is what alot of people do. Honestly you can't blame some people especially young drivers because they want $400+ per month for car insurance. That is enough money to buy a brand new car
They don’t ask for that in most states
This comment is me right now
Hi, I’m wondering what can be done when the accident occurred on “private property” (gas station lot), and the cops refused to come to the scene of the accident. I live in a fault state and the other driver who was at fault totalled my car. I am now not only left with a $500.00 deductible to my insurance company, but also not getting nearly as much as my vehicle is worth in a settlement. We have video surveillance footage that could be potentially accessible, is it worth contacting a lawyer?
I am so sorry to hear about your accident. In some states, the police will file an "incident report". Not the same as a "police report". it has less data, but they may not do that there.
I am assuming if you are paying a deductible that their insurance did not pay and your insurance did. . Can you clarify this for me?
If that is the case, why did the at-fault driver's insurance not pay?
Recently in a car accident, the at fault driver never reported te crash. My insurance has been trying reach her but to reply. Her OWN insurance has been try to contact her for a statement and Still nothing. I found out shes a deputy sheriff, what should i do now?
Our car was a total loss after we had a car accident but it was not our fault. My insurance paid off the remaining balance on the car but that's it. That is not fair for me and my family!
The insurance company for the person who hit you should have paid the value of your car based on market value. Did they not do this?
You mentioned "my insurance paid". Did they just pay the loan balance after the other company paid the market value?
so true, hear of many Insurances paid the balance of the loan but what about the down payment and all payments done. 🤷♂️
@@ladjkaoz the only way you can get loan pay off is if you buy either GAP insurance from your dealer or Loan Payoff from your auto insurance company.
Typically you can only do this at the time of purchase of the auto.
Help? Please 🙏
I was involved in a accident 9/8/23. Due to a driver who didn’t stop a red turn light and as I crossed the intersection he pulled out with out stopping and hit me going over 50 and in the process turned into my lane with out a blinker and hit my passenger side. I laid into my horn but he didn’t even bother to move due to how fast he was going. The impact pushed me into the median in the shoulder lane and damaged my whole driver side. My air bag went off when he first hit me and my car stalled out when it got pushed to the median. My car was dragged along the median curb to a stop where he separated and kept driving down the road to where I though he leaving. I couldn’t get out of my car at first since my driver door was stuck or something. My head hit the side pillar by the seat belt retainer during the impact. The air bad blew out next to my right ear. My left leg and arm/elbow is still in pain. I still getting bad headaches and random gas smells. Not sure from fumes of airbags. I check the other driver was okay. We exchanged info.
I called my insurance for tow but was before business hours. So I called AAA. When I got done UCI police showed up. Female cop asked me what happened, but then Irvine pd showed up. So when I asked for the police report. They said no took one since the property lines were undetermined whos agency it was. Newport? Uci? Irvine pd? So I was like what? Meanwhile the uci female cop was rushing the tow guy and me to leave the site. I wish I recorded it but my hearing was ringing so loud and my head was pounding alone with my adrenaline. I was in shock that was wasn’t seriously hurt. AAA guy said my car flipped then started to charge me 350$ to drop my car when I got home I said no, the agent said I’m covered since I have premium. He said told me because of broken axel. But put on the report the car flipped?? Hmm then as I’m on the phone he hands me his card and took my car to the yard. I said no out my car down. He said nope and took off even though the insurance agent said not that they have a private yard. But yeah. I guess this yard has issues and have my insurance adjuster a hard time even cussed him out and hurried him up.
So now a month later. My rental time is up. Due to work I haven’t been able to go to chiropractic and I don’t have real health insurance just medical and every doctor place ask for charge and I literally can’t finance me to go since I’m already broke. Lol
Ive never really been in a accident like this let alone a side movement accident. Man this really hurt and sucks man. The other insurance and my own insurance has Declared the other driver %100 at FAULT.
Now I’m being told the other insurance wants to hear my story again while I’m still waiting for a check to go get another car because I need one to work and can NOT AFFORD TO MISS WORK.
I feel like I’ve missed out some other info but yeah. That’s mostly it.
Any ideas?
I’ve been hesitant to get an attorney because I feel like I’m gonna get robbed like I’ve have in the past when I was a lot younger in my last accident over 10 years ago.
Help?
So sorry to see you are having such a hard time.
Is your insurance company involved?
@@BeauxKnowsInsurance yes, they are but only as far as rental and not really helping me much. I’m suppose to hear from my claims adjuster today actually.
So we shall she what she says. But she had told me to call the other insurance and ask them to cover it. I’m thinking ? Isn’t that your job? That’s why I filed a claim? Am I wrong?
The insurance of the other found their insured at fault, came up with an estimate, and when i took to my car to the body shop got a different estimate. I requested a check for payment made out to me for the amount of the estimate of my preferred bodyshop and now they are refusing to pay.
The other driver ran into passenger side, and fled the scene. I have full coverage and insurance only wants pay for “recycled parts” not original parts. Any recommendations, should I flight this? Police report and my insurance agreed I was not at fault for accident.
Many policies will provide for aftermarket parts as an alternative or required unless not available.
I've never seen a policy that states you have to use "recycled parts". If this is what your body shop told you, they are mistaken or trying to mislead you. Again, I have never seen a policy require you to use used or recycled parts.
Regardless, there is no harm in having that conversation with your adjuster. My advised is always ask, no harm in it and you might get a yes.
My car was hit yesterday while it was parked in the parking lot. The culprit fled the scene. I noticed it when I came from work in the evening. I reported it to the police and they straight away told me that they would not bother to go through the whole 8 hours footage if there is any (as I could not see any cameras pointing towards my car) while it was parked. Also the insurance company is asking me to pay $1000 deductible even though I am not at fault. Please suggest what can be done on this. I am really frustrated.
So sorry to hear it. Unfortunately, if you are filing under your insured, there will be a deductible.
How large is the claim amount? if not very much, you may be better paying out of pocket. I am sorry to break that to you. Reply and let me know, I will give you advice on that.
If you have Uninsured Motorist, you can file there and the deductible is usually $250.
If there are cameras, maybe you can view the footage yourself. Worth an ask. I might also report the issue to the chief of police, I don't think they can't investigate a crime. Which is what you have.
@@BeauxKnowsInsurance I still need to go to the body shop to get the estimate. I am deciding on where to take it from the list that the insurance Company has sent me.
The parking lot authorities would not give the footage out to public. Its so pathetic, whats the point of having cameras when no one would bother to go through the footage. At this point, $1000 is a lot for me to pay out of pocket thats why trying my best to get a footage by looking around.
@@ranjansharma2564 So sorry this is not going well. Was the accident in their lot?
Get two estimates, and see what they look like before you make the next step.
have you already reported the claim to your insurance company?
@@BeauxKnowsInsurance yes the accident was in their lot.
I already reported it to the insurance company. So I guess its now in their records. And I hope it’s not going to increase the rates of my insurance moving forward
@@ranjansharma2564 I would try to push the comapnmy to ask for the footage. Maybe they can get a copy of it. They would have more ability to do that. But depending don't he claims amount, They may not do that.
What if I’m going on a month of driving a car with a damaged car and adjuster is not returning my calls, at fault driver, and my insurances calls. I was given a ticket for the missing mirror on my car… what do you advise?
Ask for the supervisor. If no success there, move up the line. You can also report to the Department of Insurance. They usually respond quickly.
Who is the insurance company?
What if you didn't get a police report. Just traded information. The information they gave you is expired. But you have the vin number. And Driver license of employee driving the company car.
That makes it tough. You may need to file under your insurance and hope that the insurance company can track down this person. If the person is an employee in a company car, contact that company. They should have a person that can handle the claim for you.
Can you give me some insight on my situation. My truck is fully covered including gap and kbb only rated it as 56k however it’s not even two years old and I paid 84k for it. It’s a 2022 Silverado 2500HD LTZ Z71 fully loaded. My wife, kids, and I were involved in a traffic collision where the other driver is suspected to have been intoxicated and 100% ran his stop sign and we hit him in the intersection. We were on the highway and we did not have a stop sign. We were going the speed limit he was as well. I have obtained a lawyer because someone is going to be buying me a new truck to replace my 84K truck.
How did that work out for you?
If anything tell your insurer just so they know what is going on. They will have a much easier time defending you if the other driver tries to sue you or or tries to lie about what happened. Please don't think your agent is going to be annoyed with you for telling him about it. If anything not telling them is what might annoy them when they find out later. Also if you have any dash camera video showing it make a few backup copies and give one to your insurer. Maybe these days they have a special website it can be uploaded to and you just have to fill out a short form to tell them who is sending it. Also If they do they should ask for vehicle specific information on your vehicle or maybe some sort of PIN preset for this. This way someone can't send stuff claiming to be you for any reason.
good advice
Great content! I have a quick question, would you recommend getting a MRI done even if you're not sure you need one, will the at fault insurance pay for it?
I think this depends on the severity of the accident. If you struck your head or had a jar that left you stiff or sore, then yes.
The insurance company of the at-fault party would decide if they will pay or not, but they should.
Also, your health insurance will pay upfront and will try to recoup from the other insurance company. If you go this route, you will have to pay your deductible, but your health insurance company will try to recoup that and the expenses.
Police wont always come out or do a police report. 1/2024 - I was hit w/damage in back, called police, who balked at sending a cop out, but did. Even the 911 guy acted irritated! The guy from out of sdtate who hit me did not have an insur card & took him 1 hr to get it digitally! The cop said she'd only file a compalaint if he did nt find his insur info! I called his insur co & filed a claim. Germania Insur called the next day. He didnt even call them till 2 days later!
My car was just hit today and the tow company confirmed upon arrive it’s totaled. Absolutely can not drive it anymore. I have a lawyer and we have filed a claim thus far, waiting for the adjuster to call back. What really pisses me off is the drive clearly wasn’t sober but was let go 😢. I would have been badly injured if I was inside. He hit my parked car then his car flipped over. Ridiculous
The tow company does not have the authority to decide that. The insurance company that accepts responsibility for the damages will. decide that.
Understand it you have an attorney, the insurance company (adjuster) will not be able to talk with you since the attorney will require you to sign to accept them as your representative. This likely will slow down the process. I just want you to be aware.
Is the other party's insurance company accepting responsibility for damages to your auto?
@@vir70eli72 I just got off the phone with them right now. They are accepting responsibility and they have set me up for a rental. They are also picking up my car to inspect damage and what’s to be determined.
I’m dealing with something similar right now. A drunk drive over day after Christmas hit my parked car.
@@TheRealVivia hopefully they have insurance and you filed a claim. Luckily for me he had insurance and I’m now in a car thankfully. I received 15k
@@Tevs91 that’s good. And yeah he has Geico I’m going through them but there was multiple vehicles involved. They told me to just get a rental and be reimbursed but they are also saying they might not have enough to cover so why should I come out of pocket for that while I wait on them to decide and they are saying they aren’t sure if they’ll cover everything. BUT THEY SHOULD, THEIR STUPID DRIVER DID THIS NOT ME. It’s very frustrating. I’m glad at least you’ve got that resolved. I hope I also get everything resolved and I don’t have to pay for anything because my car was parked minding its own business when he came barreling into it.
I just got rear ended by a city worker in a city vehicle..what to do
Got blindsided with a T-bone accident, the other party has State Farm reached out to me and stated that their party is at fault. They are claiming that my car is totaled but haven’t physically assessed it yet and are lowballing me with a check to replace my car not to mention only approving me a rental for three days and stating that they would only start covering my medical expenses after the first $10,000 because of PIP. I feel like I’m getting the short end of the stick. What should I do?
You can get a couple of estimates from dealerships or look up a car similar to yours on a site like Cars.com or Autotrader.com. State Farm is supposed to pay what it costs to buy another just like your car. If you can't find one, then prove it to them and they will need to adjust.
Regarding medical, if they accept liability, then they have to may medical up to policy limits.
The exceptions on medical are usually related to state laws that could be in place. Example: In Louisiana if you do not have insurance, you can not collect the first $15,000 in medical.
Your state may have a similar law.
What state are you in?
Great explanation
Thank you
Thank you. Yes this was extremely helpful. Excellent
So glad to hear.
Scenario One: NJ (no fault state) I own three cars. I decide to drop my collision coverage completely. BAM! Accident- the other guys fault. Who pays for my damaged vehicle/replacement or totaled?
Scenario Two: NJ I own three cars. I decide to drop my collision coverage completely. BAM! Accident- my fault. Who pays for the other guys car's damages or replacement? (I know I'll have to pay for my own vehicle) Does this qualify me for being "Underinsured"?
Sorry, you will need to ask a NJ agent on this one. No fault could mean a lot of different things in the state.
I suggest googling Auto Insurance and see who has the highest google ratings, call them, or call your agent.
If you have a 800# agent, I would suggest calling a local agent, as they are usually more knowledgeable.
@@BeauxKnowsInsurance ok, thanks
What if I drive a commercial vehicle and the adjuster refuses to rent a truck (box truck)?
It could be that one is not available depending on where you live, or the company may have some policy language that would limit them from doing so.
If this is the case, the owner of the policy, the person at fault for your damage, has a responsibility to take care of this for you.
If that is not the case, they have to provide you with something that can keep you able to do your job, as well as lost wages, if that is the case.
Ask for the supervisor is my next suggestion. Then the other person's agent.
Thank you so much 🙏🏻
@@omarr6875 Hope it all goes well.
So I got paid a check from my insurance but they want me to go to their auto shop. Do I take the check to them? I wasn’t at fault and they said they won’t close the claim until I get the repairs done so they can send the full price to the other parties insurance.
it is your decision. But insurance companies make agreements with some body shops, they usually call them pro-shops or preferred shops. The benefits of using their preferred shop is greater warranty on the work being performed and if additional damage is found, the body shop can work directly with the insurance company without any hassle to you.
Thanks, I wandered what happened if they gave you the wrong information such as Dr license and policy numbers are fake.
That could be a real problem. If you are in an accident, try to take pictures of the scene of the accident as well as how the cars are at the time of impact. Also, pictures of driver's license, ID cards, and license plate.
This should help.
How much would the car value decrease since the door was damaged and due to an insurance claim fixing the door. Would it go down significantly?
it should not affect it much at all. The history will show a small amount of damage, and it will be minimal.
I was hit from behind and I wasn’t at fault the impact was so strong it made me rear end someone in front of me smh 🤦♂️ like where do people get there licenses from?
haha. Yeah. Lots of people distracted driving.
Sorry to hear of the accident and hope you are doing well.
nice explain sirrr
Thank you.
What do i do in my situation? I was a passenger in a parked vehicle(my driver was not in the vehicle, as i was waiting for them). Someone backed into the vehicle i was waiting in, they gave me their insurance info but im not sure what to do as i was injured as a result from this accident
@@ladiidreamsz9848 Go to your doctor to get check out and call the insurance company to explain the situation and open a claim with them.
What happens if I don’t have insurance but it wasn’t my fault can I make a claim with their insurance will it go through even if I don’t have insurance?
You not having insurance typically does not eliminated an insurance companies responsibility to pay.
Only instances is if you are in a state that requires you to have insurance if you own a vehicle. In those states, if you own and auto but don't have insurance you may be limited on what you can collect.
@@BeauxKnowsInsurance im in texas what do i do this happened to me two days ago
@@chargrave3792if they are willing to talk with you, get the insurance information and report.
if not, then use the police report to find the information. It will be on that report and you can report the claim.
it may have the insurance company name but not phone number. So just google the company.
My wife and I were hit by a drunk driver and their insurance flat out said they’re not paying either of us for the hospital bill or vehicle. The drunk driver was found 100 percent at fault but lawyers won’t help because we only went to the hospital once when the wreck initially happened. What can we do?
if the other party was at fault, them being drunk does not negate their responsibility.
For vehicle damage, you can file under your collision and allow your company to pursue the other part.
If you are seeking medical, your heath insurance company will try to recoup those costs from the other part.
If you are seeking other damages, a lawyer is what you will need.
If the attorneys you talked to are declining, then it is either because:
1. There is not enough money in it
2. They don't think there is a good enough case
3. They don't understand the circumstances
I would call the other insurance company back and demand they show me where the policy says they don't pay because the driver was drunk. I am pretty sure there is not an exclusion for that.
Regardless, the other party, sill is at fault, it is just a matter of getting them to pay.
The thing I worry is that there is a driver a lady rear ended me but the problem is the lady won’t accept alibality until their client answers and as well the lady driving wasn’t even on insurance cover
If you have a police report, you can report to the other parties insurance regardless. That company will want to talk with both of you, but it is not necessary.
It may not matter that the other person is not listed on that policy as long as she is not excluded.
If that lady is excluded, there will be no coverage under that policy.
Then you will need to do one of 2 things:
1. fille under you insurance, or
2. hire an attorney to file suit against that lady and the car owner.
This is one of the few instances I suggest hiring an attorney.
@@iablueprint any good attorney in Charleston sc u would advice me to go?
My 2010 Kia Soul is old with 290,000 miles. Had a minor front accident im not at fault But insurance don’t want to fix my car. They want to cover the value of the car. But I just recently had installed birth sides axles kia brand 1,000 I paid from kia. I have proof. In the accident that’s exactly what they broke all How can i make them also cover my new axle and not just the value of the car. I had invested in my car Even after accident. Engine still turns on and no problems not heating. Can can be fixable.
they should include the value of the axels is you provide proof, it will not be in addition to what the axel cost would have been for stock. They would pay the additional for the upgrade and the less age. A copy is going to pay the lessor of the repair or market value of your car. The value of your auto is greatly affected by age and miles.
@@BeauxKnowsInsurance IF THAT THE GAME THESE INSURANCE COMPANIES PLAY AFTER YOUR CAR GETS A CERTAIN AGE THEY SHOULD ONLY CHARGE YOU FOR LIABILITY, NOT FULL COVERAGE LIKE ME, AGE DOES NOT HAS A DARN THING TO DO WITH ANYTHING WHEN YOU HAVE REPLACED PARTS WITH NEW ONES
Thanks. Yes i have proof of the axle and was only used for 3 months so practically new kia oem brand 960$ for both sides. As long as they adjust my offer i get by the adjuster
@@sheliafarmer That really is a decision the consumer has to make. No insurance company will replace an old auto with a new auto.
@@gmm1904 Present that to them, that should increase your payment offer.
Is their a time limit on when the at fault driver insurance/adjuster have to get back to you with information? I emailed them all details about the accident 3 weeks ago including pics and videos and I’ve called and emailed them 2-3 times a week only to get a response last week that they’re waiting to hear back from their insured client who’s at fault.
In most states, 30 days is what is required by law.
3 weeks is too long. We usually see a timeline of from when the claim starts to when the vehicle is in the shop is about 2 weeks. Then you are at the mercy of the shop.
I would ask for a supervisor.
@@vir70eli72 ok that was my thought on my next step, will do Thank You!
@@vir70eli72Hey I need some piece of information today morning I met with an accident and that guy coming from the community which is blind spot and he came directly into the two way road and I hit him police said it's not your fault. Cai get the same in report or they also ask the other guy what's happen I need to know
What do you do when the insurance company totals out your car ? I had paid for extra coverage, and now everyone is trying to get out of it.
My wife is disabled and we had a special seat put in for her, I also had a tow hicks put on to Cary her med equipment and my ins is avoiding me and the other person company is avoiding me to. I don't know what to do
You need to get your agent involved. They can help you with this. The special seat and any other equipment would have had to be added to get paid for that. Otherwise, the policy will only pay for originally installed equipment.
You mentioned you paid for extra coverage. What did you pay for?
The seat that was installed, I even took the car to my insurance agent and showed them how it worked, so they know that I was not kidding about it, and now they are dancing around it, and no one is giving me anything kind of a answer about it
Don't let them total it, my car has medium damage, the lady side swiped me, traveling ing a turning lane, first thing out their mouth, IT'S 18 YEARS OLD, WITHOUT LOOKING AT IT, MY SUV HAS NEW EVERYTHING NEW ON IT, MY INSURANCE COMPANY TOLD ME NOT TO EVEN TURN IT IN ON THEM, WHAT
@@iablueprint MY INSURANCE COMPANY STABBING ME IN BACL POS
@@dougvanausdal3162 MAKE YOU INSURANCE WORK FOR YOU YOU PAY THEM
In an event of getting your “Parked” car mashed in from the front end of the bumper to the fenders…what do I do if I am NOT insured & the person at FAULT do have insurance ❓❓❓
have the police respond so you can have a record. Ask for the other person's insurance insurance and report the claim.
Understand that some states have laws that will prevent an insurance company from paying part or all of your damages if you do not have insurance.
What state are you in?
@@vir70eli72 Georgia but the accident happened on a FedEx ground private property
I was sick I let my friend drive my car, he dropped me off, and parked the car, when he went to get the car from the parking lot he got involved with the small accident hit the bumper from the back whic has small dent, I wasn't in the car in that moment. The police got involved old lady said doesn't need ambulance and everything was fine. Till I heard she is claiming with her insurance medical claim also, she was fine and refused to have ambulance and said to the police she is ok. Unfortunately now they are getting ready to claim medically, I am very disappointed, out of nothing they are trying to get advantage. This issues happening in New Jersey. My insurance company Travellers, also my insurance company said won't renew my policy, please advise
Is Traveleres not renewing for this one incident? I am surprised, they are a very good company, but it could be that they are leaving for other reasons. They may be leaving that area or agent. Ask your agent to help with this and to explain this to you.
It is best to file this with your insurance company and let them fight it for you. They have the best resources and will represent you.
I was hit in the side of my car while crossing the street which ran parallel to the train tracks I had just came over. The other driver admitted to the police that she was at fault. My insurance provider said that I was on my own since I didnt have collision. The other drivers insurance provider kept blaming me for the accident for over a month and a half, until I threatened them with a lawyer. Could I have sued my insurance provider?
if you do not have collission insurance, then no, you can't sue your insurance provider. You don't have the coverage necessary.
Your insurance agent can give you advice; there is nothing they can do past that.
If you have any witnesses, if might be time to bring them into the claim.
@@vir70eli72 My agent just told me
I was hit by drivers door while it was parked. And while trying to get out the car the on coming vehicle did not see me and hit my car. My vehicle was not in motion and I’m ok. They want to pay it out of pocket, however the person they chose is charging $550 and they say they would just fix the door panel and paint the rear door a little to match. I’ve been to other mechanics who say I need a whole new door. Should I go through insurance? Will they cover the whole cost of my repair?
that is hard to say. Two things:
1. If more than one auto body shop with strong reviews said you need a new door, then I would push for that.
2. It is possible that the company would pay for a whole new door.
I understand the other party wants to pay out of pocket; they do not want a liability claim on their insurance, but they need to be fair.
The body shop that said $550: What are they going to do? Do they have good reviews?
Many times the company will put a "skin" over a door to repair it. If the integrity of the door or the function is really affected, then you need a new door and insurance should pay for that.
@@BeauxKnowsInsurance So right now it’s been been since 10/12 I have text messages and witness proof that she is at fault, however I do not have a police report. I just got all her information like her DL, and Insurance information
So what should I do next? Should I just call her insurance on Monday to provide my proof or get a police report as well. Also does an adjuster come out to me, to see my car and would they still want to talk to her even though I have text messages of our exchange of her being at fault?
Also based on 3 other mechanics who work with insurance claims they said that the used door are actually the same price as the new doors. All in a 1,049 price range.
@@BeauxKnowsInsurance the body shop that said $550 said they would be fixing in the in door panel and doing a paint job.
Also the integrity of the door is compromised. The door does not close properly. You have to slam to hard for it to close. And there is a slight gap closure between the driver side fender and doors. I have a 2022 Honda Accord Sport SE so the door is also a smart door and connect to my key fob. I want to make sure that is also not comprised
@@CelestineAboagye yes, you do exactly as you said. Since you have the info and a witness, this should be good.
Share the text and witness info along with estimates.
Good work!
Thanks for the video.
No problem! Hope it helped!
What if the person that was hit didn’t have insurance, but the trucking company was at fault? And now the police are saying it’s both parties fault. 2nd) how can she get insurance now? It’s been 2 months. She had a couple of insurance in the past. But went to collections because they kept raising the cost she couldn’t third anymore
I was in accident on the 27 t boned they ran a red light I broke my ankle 3 fractured ribs vehicle is totaled I got lawyer about the second week. The others ppl. Insurance. Totaled it out and. I been to therapy now. What’s next process I was told I was to receive pip but lawyer. Said it would be all together in claim I kinda need that now
You will have to wait on the legal process now since a lawyer is involved. Do not try to deal with the insurance company directly as they legally cannot. They have to deal with the lawyer. If the lawyer does not pursue the PIP, you will need to hire another lawyer.
i like how you explain things
Thank you.
Someone hit my parked car in my apartment it’s new 2023 Honda the whole in front part are damage I contacted their insurance and submitted some pictures and video but the guy told me he will call me at the end of the day but he didn’t now it’s been a week what should I do? Do I need to contact my own insurance? And yes I first called to my insurance agency and they told me to call them first.
Call the adjuster back. It may be that he called but the number showed up as a robo call or something.
Call them first. Adjusters spend a lot of time on the phone, so if you miss them, try again.
I don't know but What do you say about if you file a claim on the at-fault parties claim but they blame you and deny your claim. I'm now having to go through my insurance to pay for my car. What are my other options?
Very sorry to hear of the difficulty. In your situation, you are doing the best thing you can do.
Your insurance company will do their best to re-coup any cost and your deductible from the other part or other party insurance company.
If you can't get anywhere and you know they are at fault, you could hire an attorney.
Are there any witnesses or video footage available? Maybe a dash cam?
Just wondering when do I get my tags back so I can cancel my insurance I don't even know where my car is insurance company is not returning my calls
If your company has your license plate, they should have reported it to the state. If they are not returning your calls, call your agent. They need to know this and step in for you.
@Beaux Knows Insurance - Reed Insurance I had to keep hounding insurance but found my tags with a junk yard. One was missing, but I got it cancled with MVA.
@@stargatefever Good for you. Hate that it was a hassle.
My car was hit in my work parking garage and the person took off. My work has own police department and are checking the camera recordings. Im waiting to see if police will find the car who hit me from recordings. Should i tell my insurance? I will have to pay $500 deductible. Or the whole thing if we dont find person.
Sorry to hear about the trouble.
If I were you, I would file the claim on my insurance, unless you think the police have a good lead on the perpetrator. As it may take some time to catch the person.
I was hit on my bike, the bike was damaged and I went into the hospital for x-rays and an MRI. Does my car insurance company need to get involved? Havnt heard from the drivers insurance company going on 6 days. What do I do?
So sorry to hear. Hope you are getting better. If you have Uninsured Motorist, then you can report there. If you have a police report, you can report the claim yourself to the insurance company of the person that hit you. If you need help from there. Your agent will probably help you get a claim reported to the other party's insurance company.
Can a body shop or can a car be repaired if the airbag deployed ??
yes, it can. Potentially though, you may have an issue where the value of repairing the damage from the airbag is greater than the value of the car. In that case, the car would be considered a total loss. You then have the option to repair it still, but you would have to negotiate with the company to buy the auto as a "salvage auto". Hope that helps.
A drunk driver hit my uninsured parked car. My brother n law bought it from me and was in the process of transferring the plates to his name to have it insured. It’s not an expensive vehicle but now he out of a car. Should he file the claim with the offenders insurance or should I, considering the vehicle is registered to me??
Would this impact my current rates for my other vehicles? Thoughts? Thank you.
We’re in the state of Illinois.
Thanks again.
If you can file against the offender, do that. That is who should pay. If you cannot, then your brother-in-law may be able to do so. If they have an auto policy now with another auto on that policy with Collision Insurance, then you may be able to file there. Your brother-in-law would have some automatic coverage oh his auto policy.
@@BeauxKnowsInsurance wouldn’t the offenders insurance company want to know who the vehicle is insured with? It has no insurance and the vehicle is registered to me. Would that be claim held against my record??
Sorry for all the questions I’m just wondering if i should take the L and move on.
No apologies needed.
they will want to know who owns it as well as proof. If registered to you, you will need to state that and have you be paid.
If their insurance pays it will not negatively impact your insurance.
I am not sure if they will ask about your insurance. That is different from state to state. But it should not matter.
To sum it up:
* I would file a claim against the other persons insurance
* tell them it is your auto, legally it is.
* if they ask if you have insurance, just state who your liability insurance is on your other cars.
* this claim will not affect your insurance.
I have no insurance but my car got hit by some other company truck that is a vendor for my job. Will I still be able to get my car fixed ?
That will depend on your state laws. Some states have penalties if you don't have insurance but should.
What state are you in?
@@vir70eli72 Wisconsin
@@vir70eli72 Wisconsin
@@vir70eli72 Wisconsin
Yea right, take it to the insurance company’s shop, I’m sure they won’t cut any corners and give you a cheap repair
The shop belongs to the owner of that business. The insurance company has an agreement to work with them and accept the suggested repairs as directed by the body shop.
Can basic economic loss coverage be the final settlement ?
Hello, this is the Garcia family. We had a driver who ran the stop sign and we collided with him. He has State Farm and his insurance is a 250,000 gap our vehicle was totaled. They paid the vehicle off. They gave us a rental. my wife has expensive medical bills due to broken sternum And fractured ribs we have a lawyer and it’s now going to sue State Farm is trying to give us a lowball offer our lawyer is doing a litigation do u think we will get at least something out of this ?
I think you will get something out of it, but historically speaking, you usually come out about the same with how much you recover.
The total settlement will be more, but the attorney will get 33 - 50% of the total claim amount.
It will also take longer. expect this to go for 3 - 9 months. depending on the case and legal climate of your area.
NJ: If I’m not at fault and the other person insurance is covering the damages. Does my insurance premium still go up?
no, it will not affect your insurance.
Keep a record of the claim findings from the insurance company.
@@BeauxKnowsInsurancethanks!
Yes most likely. It goes by claim volume in your zone
No insurance means broke. They have nothing of value, plus their car is likely junk as well.
@@BeauxKnowsInsurancenot true. Claim volume in area dictates rates
Question I was not at fault in an accident and the car was totaled
A. Does my insurance company pay the remaining balance on my car loan if totaled ?
And the at fault driver insurance company also cut me a check ?
B. Or does the car just get paid off and I don’t receive any money to buy a new vehicle ?
A. The policy will pay the market value of the policy unless you have added additional coverage to your policy. Usually, this is called Loan Lease Payoff.
If the at-fault driver has insurance, they will pay the market value of the auto, but both will not. if you have Loan Lease Payoff on your policy, you could file under your policy for that portion.
B. The only way you will have money left over after the claim is settled is if you have equity in the car, meaning your car is worth more than your loan balance. The goal of insurance is to put you back where you were financially pre-claim.
Does this answer your questions?
Who do we need to contact. To complain about the insurance company that knows iOS not your fault but don’t want to pay can u take insurance company to court without a lawyer
Some states you can represent yourself in court, but I would not suggest that. You would find yourself fighting against an attorney, and might not do well.
You could file a complaint with the states insurance commissioners office.
You can also file with your own insurance and let them fight for you. This would be contingent on you having collision insurance of your own.
But what if someone hit you in and they leave the cendand they don’t have no car insurance and I do what do I do? How can I get paid?
Only way then if if you can track them down or file under your insurance.
Report to the police, maybe they can track the person down.
Options under your insurance are going to be: Collission or Uninsured Motorist Property Damage
Both have deductibles but would take care of paying to fix your car.
Uninsured Motorist would also provide money for medical bills for you and anyone in your auto.
Do they pay for a tow if you paid out of pocket 🤔
Yes they do.
How do you claim the accident when the other person gave insurance which later found out they don’t have insurance.
You can file u see your collision, uninsured motorists, or hire an attorney to file a lawsuit against them.
I had a rental car and somebody hit me in the back and I fixed the rental car and brought it back and they didn't even recognize the the car was damaged I have an insurance they have insurance the people that hit me and can I go to their insurance and get paid
@@RickyLandon-y5v it will be difficult after the repairs have been made, but you may be able to do that.
Present photos, paid invoice, police report and any eye witness reports, you might be able to recover your money.
I should have gotten a lawyer. Lady rear ended me, jumped through hoops with adjustor.. now 6 months later I received a bill yesterday from the hospital I had x-ray exam due to soreness beginning just days after the accident. The hospital says the at fault driver's insurance has denied responsibility. Make this make sense please anyone..
Did the other insurance company accept liability to repair your damages to your auto?
@@iablueprint yes totaled my only vehicle 2013 kia soul 40k miles. They gave me 9k total. 500 for medical was a joke
@@zslots6657 If they accepted liability for damages then they would have to for the medical also.
However, it could be that they limits were maxed out on their policy. Every auto policy has a maximum limit that they will pay up to. You select this limit when you buy your insurance.
If may be that the limits were used up. If this is the case, you may be able to file the additional property damage under your policy. Ask your agent.
Also you can file the medical under your health insurance.
Other option would be to pursue the person for the remainder of the money on your own or through an attorney.
What about if you file a claim on the at-fault parties claim but they blame you and deny your claim. I'm now having to go through my insurance to pay for my car. What are my other options?
Great point. I need to make a video about that. One option is to do as you are and file on your own insurance then ask them to “surrogate” against the other insurance company. Meaning, your insurance company will pay for your damages then defend you try to recoup the cost from the other insurance company.
@@BeauxKnowsInsurance That comforts me. Now, If the police gives the other partie a ticket and finds them at fault but their insurance says you are 51% at fault. Would I have gave greater chance in winning in abritration? Since I didn't get a ticket nor was I found at fault before the police. Logically I'm innocent and they should pay up.
Even though the officer gave the other part a ticket, the courts will not allow this to indicate guilt or innocence. I know this does not seem right, but the courts decided decades ago that this would not be giving people their right to “due process”. It is the court’s responsibility to prove guilt, and the police officer does not have that authority. I think most prudent people would arrive at the same “logical” conclusion you did. I know that does not solve your problem, I’m just explaining what the ticket itself does not decide fault. Some other options you have would be to see if you can find witnesses to the accident or also any video footage. Both of these could be used to help prove your innocence and their guilt. You can also review the accident report and verify it is accurate. If not accurate, you can ask for a correction. Your best option at this point would be if you have some witnesses that could collaborate your story. I hope this helps and I am sorry to see you having such a difficult time.
@@BeauxKnowsInsurance Ok, Thanks. I do have a witness. Is there a legal hoop that you have to go through to get video from a gas station or else where? I do have info that might could use that you can't travel the median.
For the video footage, I would suggest you bring this up to your claims adjuster with your insurance company to see how they suggest you to move forward. Each state will have different laws regarding using recordings of people as evidence without their permission.
good info
My GF was hit shes offered 20k and the jeep is still going for 30k. She owes 13k so their saying she will only get 7k. Hows it fair to be upside down when not at fault. (Both have insurance)
I would suggest getting some valuations on the Jeep. Try looking up the Jeep with same model, miles, package, etc at Autotrader.com and Cars.com. Show the company these numbers and tell them they need to pay more because the value is not right.
Understand that in the scenario you mentioned, the company will pay off the 13k in debt, so she will not owe that anylonger. The company can't pay that $13,000 to her due to the lien against the car.
Actually the court is the legal document the police report is heresay
i agree, the court would be the final decision-maker if it went that route. If you have a report, you can use that to open a claim with an insurance company. However, the insurance will still need to discuss with all parties and decide on fault.
Rental depends on your policy as an insured or a claumant. Huge problem the in the business. Theres is no get 3 estimates after 1995. Lol.
Depending on state law, you go to the shop of your choice. Any injuries, get a lawyer
@@brianlogan4243 Rental will depend on your policy because you have an option to either pay for this or not. Some do not want to pay for it.
If the other party is at fault, their insurance will provide the rental car. You pay for the option only for your own policy to provide this to you. Liability is always included.
Part of your statement about 3 estimates is true. Only that it is not necessary.
Insurance companies work with preferred shops that will fix your auto, these shops are typically independently owned shops and they work for you, the auto owner, not for the insurance company.
You are not required to use the preferred shops.
In some cases an adjuster will come inspect the car to write an estimate.
Regardless, I encourage all claimants to get an estimate from at least one other shop. There is no law against this nor does the insurance company have a problem with a person do this.
@@vir70eli72 I would suggest you check in with AllState. Even as a claimant, they do not pay it forward for rental, it works on reinbursement now. Rental or the lack of it, is easily the most often forgotten expense when involved in a repair. Most shops are not very interested in writing an estimate when they are not going to be doing the repair. Maybe in your state it is different? but in the Northeast, unless the vehicle is not driveable it is the youscan system. Claimants use the insureance app to take their own pictures and a desk review appraisal is done, usually missing much of the damage. The always overlooked challenge on the insurance and repair facility side as well as the owner, is THE CLOCK. Everyone wants it done asap at the lowest cost and no one allows for down time or supply issues or volume. What is the point of getting multiple estimates if the insurance company is only going to pay from the estimate under their protocol? All most likely will require supplements.
a 25 year old crashed into me (tbone) and says he has better car insurance than me and it was my fault, turns out his insurance isnt better than my state farm, he said "oh no, your such a bad driver, your rates are gonna go up, you gonna lose ur licence
I would not take advice from the 24 year old. Sounds like they were trying to intimidate you. Report to your company and let them deal with the accident and claim. You should not loose your license either. Your rates will not be affected if the other part was at fault.
What do I do if the driver who hit me fled before cops came, & we identified him to the police and they towed his car to the impound& he lied to his insurance & says he wasn’t driving his car when it hit our parked car & his insurance is stalling to fix my car
so sorry to hear this. One thing you can do is present the police report to the other insurance company; this may speed it up. Next you can file under your collision coverage and allow your company to recover the money from the other insurance company or the other person. Lastly, you could contact an attorney. I would do this as a last resort. But it may be necessary. As a side note, potentially, there may be some camera footage somewhere that would validate that the person in question was driving.
I sent his insurance the crash report and they are stalling to pay. I have no vehicle for 5 weeks now and his insurance won’t even get me a rental car.
We identified the driver to the police, they questioned him and he lied saying his car was stolen.
My boyfriend confronted him when he hit my car, he fled & his car was impounded to the police pound. It’s a horrible mess. I can’t even make my doctor appointments & I have health issues. This is soo stressful.😢
Thumbs up👍
Thank you!
THANKS ❤
You did not cover the low ball offer that add insults to injury.😂
While there are companies out there that do that, we are not in the practice of working with companies that operate like that.
What supposed to happen and what actually happens are tow entirely different things. My daughter was rear ended, ended up in the ER nad was hospitalised for 8 days. I had to call the at fault (progressive) adjuster and they began giving me the run around. Could not get a car rental , could not get an adjuster to come to do an estimate on the car, was bullied, coerced, screamed at etc. Wrote the CEO a firm email detailing what had been going on with names, dates and times and Conversations. They set up a time for their adjuster to show up and he simply never did. The CEO was sent a total of 4-5 emails within a 11 day period after which i hired an attorney. Now they are tying to send me information and call me. I refer all there emails to my attorney, i take none of their calls and I have filed a claim against them with the Insurance Commissioner. It’s a serious nightmare dealing with any insurance company. They have zero moral, tactic, ethics or value for anything besides screwing over people.
I am sorry to hear you are having so much trouble and I hope your daughter is doing well now.
This is not the usual for Progressive.
Prayers for your daughter.
@@iablueprint thank you so much. I was informed today by the insurance commissioners office that they will close my case as the only person who can file the claim against progressive is their own insured and not a third party and it is not my insurances job to help with the accident. I was so surprised. This is why these insurances do what they do, there is zero accountability for them. Thank you so much for your response and your prayers. It’s very kind of you.
Not all insurance companies provide you with a Rental car unless you have rental coverage lol
this is true for your policy to pay you. If you are involved in a not-at-fault accident, the other insurance company is required to provide a rental car if you need one.
@@BeauxKnowsInsurance this happened earlier this year after I was in an accident which wasn’t my fault but the other party took liability within 24 hours. all the at fault insurance did was reimburse me for rental receipts after rental was returned. I had to pay up front, they refused to book the car. So technically did they provide one? Genuine question
I’m also dealing with this same issue now unfortunately after another accident, got hit from someone running through a stop sign. the at fault party won’t accept liability as of today, after 30 days because they can’t get in touch with their insured. Any suggestions? The driver for BOTH accidents didn’t have driver licenses but the vehicle was insured. Frustrating
@@ryanengh1 So sorry to hear.
If you have an accident report from the police or sheriff report, this should help. Any witnesses would help, too.
The company does need to give its customers an opportunity to give their side of the story, but 30 days is too long.
You can push back on the company and ask them to move forward. It is not your fault that their customer will not respond. . The fact is you were involved in an accident with a vehicle insured by them.
Another option would be to file under your collision insurance, and then your insurance company would deal with the other party and the other party's insurance company.
Understand you will have to pay your deductible, but your company will take care of this for you.
Another option would be to file under uninsured motorist property damage if you have this.
They sent me to Enterprise. Enterprise took my credit card info. They then billed both State Farm and My Bank!!! I disputed it and lost. Thank you for being awful and greedy. Fascists, corporate greed.
That should not have happened. That sounds like an issue with that Enterprise locations. Not the insurance company.
do you work for an insurance company? adjustors are not your friend and are not trying to help you. they are trying to protect the company's bottom line by denying, delaying and defending all claims. full stop.
I am an insurance agent. A go between the company and the customer. Unfortunately, there are companies that are difficult to deal with, but we do not work with companies like that. If you have had that type of experience it could be that you have a poor agent that does not value your relationship and therefore does not care about the quality of companies they represent.
@@BeauxKnowsInsurance since you were talking about the process of dealing with insurance agents i just wanted to share what myself and many others are going through when it comes to a claim. i'm going through a lot of headaches from a guy that purposely hit my lexus and then drove away quickly. USAA is giving me a hard time with wanting to put aftermarket parts on my lexus suv.
I have a issue where i got in a accident last month and it wasnt my fault. I got a claim # from the other party thinking they would pay for the damages they cause. I ask for a claim # through my insurance from this accident but they say that they dont have a claim since im going to get my car fixed from the other party. Anyone can answering me why my agent dont have a clue why i dont get a claim # from my agent to keep track of this accident???? I got my attorney on the phone with my insurance company and my insurance company agent say they dont give a claim number? My attorney needs a claim number so they can put a lawsuit against the other insurance company. The agent got upset and defensive and said that they will get there boss to resolved the issue i have. This claim number request is from my lawyer
The claim number would be provided by the insurance company that is going to pay. If that is not your agent, then they would not have one.
Agents do not produce claim numbers nor would they necessarily keep track of the claim status if another parties insurance company is taking care of the claim.
That is how it is intended to work and there is no way for your agent to be aware without you updating them. The other insurance company will not communicate with your agent.
The reason for this is the insurance company represents their customer, not anyone else. When the insurance company communicates with a claimant, it is on-behalf-of their client. This is the same thing your insurance company should do for you.
If I am misunderstanding something here, please let me know.
Im fighting liberty mutal they are refusing to come out to look at the car and i have a police report that shows the other driver at fault and they are giving me a run around talking about the other driver stating road rage there was no road rage the guy hit me and fled the scene i got the guys plate number the cops went to the guys home and the adjuster is refusing to come out to look at the car and the case is escalated to a pannel review board
So sorry to hear of the trouble. Keep pushing on the review board. If you can find any witnesses or dash cam footage, that will help.
Get to point
90% OF YOU WHO DON'T HAVE INJURIES won't RELATE TO THIS VIDEO BECAUSE UNLESS IT'S A MINOR DENT OR SCRATCH ON a 60,000 + DOLLAR VEHICLE ; BECAUSE THE ADULT POPULATION HAS EXPLODED AND BODY SHOPS ARE SO BEHIND AND CANT GET PARTS FOR WEEKS OR MONTHS , SO THE INSURANCE TOTALS 80% OF THE TIME NOW , AND SCREWS ALMOST EVERYONE ESPECIALLY IF YOU ARE STILL PAYING ON YOUR CAR .
100% incorrect.
Body shops that are run well are not backed up.
80% of claims are not totaled
The adult population has not exploded.
Insurance companies are not in the business of screwing people.
Don't know what you are saying in the before the ";"
RUclips Folks, what's the heck wrong with all of you ? Are you bringing some valid content and discuss a serious issue or playing a concert - music like on the radio ? Is it even possible to hear speaking someone on the subject without hearing some ***ucking disco in the background ? All the best.
Don't drive through mississippi.
Got it.
YOUR IN DREAM LAND TRAVELERS THRU ME UNDER BUS, I SUING THEM AND THE DRIVER FOR RUNNING ME OVER AND PUT ME IN DANGER AND I WAS HURT
Sorry to hear of your accident. Travelers is one of the largest insurance companies in the world with an outstanding reputation.