I have an older car. Do I need to keep my comprehensive and collision? The general rule is when the value of the car is less than the deductible plus the premium. At this point, you are better off saving…
Posts Categorized In: Auto Insurance
More on Adult Kids Driving Cars
My adult son owns his own car, but lives with me. He was involved in an accident. Will they come after me? You should not face any liability if your son owns the car and was the driver. If your…
Property Damage and the $5,000 check
Someone smashed into my parked car. His insurance company sent me a check for $5,000. I say the car’s worth more. Should I accept the check and sue for the other $2,000 or do I refuse the check and sue…
Getting more than one estimate
I damaged someone’s car and they got an estimate that is high. Can I make them get another estimate? No. You are obligated to pay the reasonable cost of repairs. If someone gets an estimate from a reputable body shop,…
Property Damage: What is owed
Someone damaged my property. I want to get a small upgrade. Is the other person responsible to pay for this? You should ask whomever is going to repair your property for a letter explaining why you need what you want….
Auto Accident for Self Employed: What Policy Covers You?
I work for myself and was going to do a personal errand and a business errand when I got into an accident. I have a personal auto policy and a business liability policy. Who will protect me? If both insurance…
Insurance and Claims FAQ
This is going to be the first in a series of shorter posts based on questions I am asked on a weekly basis. I am hoping these answers will give you one-stop shopping, so to speak. I am creating a…
Must You Repair Your Car
My car was hit. Am I entitled to collect the estimated cost of repairs, even if I do not intend to repair the damage? You are entitled to collect the reasonable cost of repairs. Get an estimate from a reputable…
Getting a quote for auto insurance
It is not often that I give insurance companies “props,” so to speak. I am critical of a lot of what they do, although I do tell you when I come across something good. Well, here is another good thing….
Minimum Impact Does Not Mean Minimum Damage
I have written before about MIST cases. These are cases where the insurance company is skeptical, to put it nicely, that anyone is ever injured in these cases. The basic theory: there is not enough damage visible for someone to…