Question 1
Does my insurance pay for the other car I crashed into?... I recently had a car accident, and apparently, my insurance will cover the damage for my car and my medical bill. However, the mother of one of the passengers in the other car called me the other day and told me that her daughter needs medical attention as well, because her daughter is having trouble physically. Should the mother call my insurance, or do I call my insurance and tell them to cover the medical bill for the daughter? And will my insurance cover the damage on the other person's car?
Answers
1) inform your insurance co and get away/they have experience in this - ken k
2) Yes by all means call your ins. co. & they will take care of everything. Your basic ins. covers the other person & his car first & the more expensive ins. covers your car & you. - clncarplz
3) You should have filed a claim with your insurance company ad she needs to file a claim with hers as well. The two companies will talk to each other and determine who is at fault and which company will pay for the expenses. Once the insurance companies are involved, you will have no need to talk to the other driver again and they will take care of everything. Be careful! - Brittani T
4) i believe so, if you have full coverage not liability, but check with your insurance agent. - Terry
5) When it comes time for renewal car insurance is a no brainer way to save a ton of money. You can get a fast estimate at websites they often give you multiple prices.
I know people who have used and recommend http://www.InsureAutoNow.info - Britney S
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Question 2
Insurance finding out about TICKETS?... My friend's tripping out about his parents founding out about his traffic ticket and his cellphone ticket through insurance. He's 19 and he has his own money to pay everything off. Is this possible?
*I always thought that it'll only show up on your insuance if you do not attend mandatory traffic school. Am i right?
Answers
1) No, you're not right.
Unless it's a first time offense, the school only removes the point. It does not prevent the report of the ticket, however.
More over, your retard friend should have been up front with his parents. His deception got him into this trouble, not the ticket itself. - Vipassana
2) Insurance companies see everything on your driving record, that includes tickets. Traffic school is only to remove point accumulated, it has nothing to do with insurance. - JOJO
3) NO your are thinking wrong on this.
The insurance has the right to see your DMV records as often as they feel.
This ticket is a ticket and they know the record stays he may be able to go to some driving course to remove the points and or if this is a ticket first or with in so many years
He should of just been up front and told his parents - Patrick M
4) Apparently, he doesn't have enough money or isn't responsible enough to have his own insurance. Now it affects his parents. He needs his butt kicked. - Pilsner Man
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Question 3
should i repair my car before insurance pay?... i had an accident before a week,, and i need to repair the car as fast as i can, i took some pictures and i took a video of the car ,, should i repair the car before my insurance company pay?
Answers
1) If they would be willing to reimburse you directly for the work done, then yes i would. There is nothing out there that says you have to give in to the wishes or demands of the insurance company. Don't let them dictate what they will & will not do. Your the customer & that's what you pay them for. - The Eagle Keeper
2) If you repair the vehicle before they have a chance to inspect it and authorize repairs, you run the risk of getting less money. They will have to go by pictures alone and you may not get fully reimbursed. - CD2007
3) Usually your insurance company will want to see the damage. It is very difficult to know if you are paying for appropriate repairs if you don't see the damages, and your photos may not show what the adjuster will need to see to assess the damages appropriately.
I would wait. - PamelaS
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Question 4
Would this be good enough for a hardship license?... My dad opens a store at 4:30 in the morn and comes back at 8:30. i have 2 other brothers and my mom goes out to help my dad with work after she drops us off at school but my dad has to leave the country before 90 days and my mom has to take that spot so we have no transportation until 4:30 to 8:30. If this gets accepted what restrictions would there be?
Answers
1) wont be/are you from texas by the way??no hardship here - ken k
2) No such thing as a hardship license. I don't know where the hell people are getting the idea they can get one. I've been driving 25 yrs and I have not heard of this crap until recently. It's crap I tell ya. - The Eagle Keeper
3) Depends on your state, but probably not. In California, for example, you are not eligible for a hardship license unless you would be the only licensed driver in your household. - gomanyes
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Question 5
Is it legal for an auto insurer to raise your rate without notification and debit that out of your account?... I reside in Texas and have auto debits monthly for my auto insurance. I just checked and they raised my rate this month without telling me and debited the new rate out of my account, but i agreed to debit monthly my rate but was on a lower rate for over 2 years and up until last month. I never got notice, is this legal? Do i have any rights to recover that extra $ they took for a new rate that i was not notified of?
Answers
1) yes it is (i think) - Olivia
2) I would say that if you have automatic withdrawal then yes they have the right as to keep you covered.
I would think as a professional courtesy that they would have notified you to the rate increase though.
Insurance rates year to year and are based on tickets, local jurisdiction and also your credit score affects your rates - Patrick M
3) I would be willing to bet money that they did send you notice.
If your rates just changed, then it was probably renewal time. You know that envelope you get every 6 months that has your ID cards in it, and how you take out the ID cards and throw the rest away?
The rest of that packet is your renewal. It notifies you if your premium is going up or down.
Don't feel bad, you are typical if you don't read it. And yes, they have the right to set the rate. They are required by law to notify of all changes at renewal and they certainly did. The fines and consequences of not doing so are severe. They are not responsible for making sure you provide them with your current address if you move and they cannot force you to read what they send you. - PamelaS
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Does my insurance pay for the other car I crashed into?... I recently had a car accident, and apparently, my insurance will cover the damage for my car and my medical bill. However, the mother of one of the passengers in the other car called me the other day and told me that her daughter needs medical attention as well, because her daughter is having trouble physically. Should the mother call my insurance, or do I call my insurance and tell them to cover the medical bill for the daughter? And will my insurance cover the damage on the other person's car?
Answers
1) inform your insurance co and get away/they have experience in this - ken k
2) Yes by all means call your ins. co. & they will take care of everything. Your basic ins. covers the other person & his car first & the more expensive ins. covers your car & you. - clncarplz
3) You should have filed a claim with your insurance company ad she needs to file a claim with hers as well. The two companies will talk to each other and determine who is at fault and which company will pay for the expenses. Once the insurance companies are involved, you will have no need to talk to the other driver again and they will take care of everything. Be careful! - Brittani T
4) i believe so, if you have full coverage not liability, but check with your insurance agent. - Terry
5) When it comes time for renewal car insurance is a no brainer way to save a ton of money. You can get a fast estimate at websites they often give you multiple prices.
I know people who have used and recommend http://www.InsureAutoNow.info - Britney S
___________________________________________________
Question 2
Insurance finding out about TICKETS?... My friend's tripping out about his parents founding out about his traffic ticket and his cellphone ticket through insurance. He's 19 and he has his own money to pay everything off. Is this possible?
*I always thought that it'll only show up on your insuance if you do not attend mandatory traffic school. Am i right?
Answers
1) No, you're not right.
Unless it's a first time offense, the school only removes the point. It does not prevent the report of the ticket, however.
More over, your retard friend should have been up front with his parents. His deception got him into this trouble, not the ticket itself. - Vipassana
2) Insurance companies see everything on your driving record, that includes tickets. Traffic school is only to remove point accumulated, it has nothing to do with insurance. - JOJO
3) NO your are thinking wrong on this.
The insurance has the right to see your DMV records as often as they feel.
This ticket is a ticket and they know the record stays he may be able to go to some driving course to remove the points and or if this is a ticket first or with in so many years
He should of just been up front and told his parents - Patrick M
4) Apparently, he doesn't have enough money or isn't responsible enough to have his own insurance. Now it affects his parents. He needs his butt kicked. - Pilsner Man
___________________________________________________
Question 3
should i repair my car before insurance pay?... i had an accident before a week,, and i need to repair the car as fast as i can, i took some pictures and i took a video of the car ,, should i repair the car before my insurance company pay?
Answers
1) If they would be willing to reimburse you directly for the work done, then yes i would. There is nothing out there that says you have to give in to the wishes or demands of the insurance company. Don't let them dictate what they will & will not do. Your the customer & that's what you pay them for. - The Eagle Keeper
2) If you repair the vehicle before they have a chance to inspect it and authorize repairs, you run the risk of getting less money. They will have to go by pictures alone and you may not get fully reimbursed. - CD2007
3) Usually your insurance company will want to see the damage. It is very difficult to know if you are paying for appropriate repairs if you don't see the damages, and your photos may not show what the adjuster will need to see to assess the damages appropriately.
I would wait. - PamelaS
___________________________________________________
Question 4
Would this be good enough for a hardship license?... My dad opens a store at 4:30 in the morn and comes back at 8:30. i have 2 other brothers and my mom goes out to help my dad with work after she drops us off at school but my dad has to leave the country before 90 days and my mom has to take that spot so we have no transportation until 4:30 to 8:30. If this gets accepted what restrictions would there be?
Answers
1) wont be/are you from texas by the way??no hardship here - ken k
2) No such thing as a hardship license. I don't know where the hell people are getting the idea they can get one. I've been driving 25 yrs and I have not heard of this crap until recently. It's crap I tell ya. - The Eagle Keeper
3) Depends on your state, but probably not. In California, for example, you are not eligible for a hardship license unless you would be the only licensed driver in your household. - gomanyes
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Question 5
Is it legal for an auto insurer to raise your rate without notification and debit that out of your account?... I reside in Texas and have auto debits monthly for my auto insurance. I just checked and they raised my rate this month without telling me and debited the new rate out of my account, but i agreed to debit monthly my rate but was on a lower rate for over 2 years and up until last month. I never got notice, is this legal? Do i have any rights to recover that extra $ they took for a new rate that i was not notified of?
Answers
1) yes it is (i think) - Olivia
2) I would say that if you have automatic withdrawal then yes they have the right as to keep you covered.
I would think as a professional courtesy that they would have notified you to the rate increase though.
Insurance rates year to year and are based on tickets, local jurisdiction and also your credit score affects your rates - Patrick M
3) I would be willing to bet money that they did send you notice.
If your rates just changed, then it was probably renewal time. You know that envelope you get every 6 months that has your ID cards in it, and how you take out the ID cards and throw the rest away?
The rest of that packet is your renewal. It notifies you if your premium is going up or down.
Don't feel bad, you are typical if you don't read it. And yes, they have the right to set the rate. They are required by law to notify of all changes at renewal and they certainly did. The fines and consequences of not doing so are severe. They are not responsible for making sure you provide them with your current address if you move and they cannot force you to read what they send you. - PamelaS
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