Why did my car insurance claim get denied?

Most of the time, when you file a car insurance claim, the insurance company will review the information to make sure that they can cover the loss. Most car accidents and other losses that you file will be covered by the insurance company, and your claim should quickly be handled. Sometimes, however, this is not…

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Can I take my Car Insurance Company to Court?

Ideally, your auto insurance company should be your advocate and partner. They should help you get your life back on track after an accident by paying for medical expenses and repair costs, and they should help you deal with other insurance companies. Unfortunately, while this is often the case, insurance companies are sometimes at odds…

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What is a Liability Adjuster?

Once an insurance claim is reported, the company will assign an adjuster to the file. This adjuster will be the primary contact person throughout the life of the claim, and he or she will determine who is at fault for an accident and what will be paid. The vast majority of liability adjusters are hired…

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Will car insurance cover a car accident during a test drive?

Test driving a new vehicle is a necessary step in purchasing the car. Most people drive around the block in a new vehicle as the salesman sits in the passenger seat making comments; some dealerships even allow you to bring the vehicle home for the night so your family can try it. By test-driving, you…

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Will car insurance cover a Bicycle Accident?

Although most people expect their auto insurance to cover damage to their vehicles, they may not realize that insurance may be able to cover more than auto claims. Depending on the coverage that you have, your insurance may be able to provide assistance to you if you’re injured as a pedestrian or bicyclist. Your insurance…

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What is an Underwriting Referral?

Insurance companies determine the cost of policies through a process called underwriting. The insurance company will gather information about the customer and calculate their rates according to their level of risk. Drivers at a high risk of being involved in an accident will pay the highest rates, and drivers who are least likely to get…

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What is Insurance Fraud?

Fraud occurs whenever an individual misrepresents information in order to get money that they are not entitled to. Insurance companies take fraud seriously. Fraudulent claims can lead to lost profits, which will in turn cause the cost of insurance policies to increase for all customers. In order to reduce the incidence of fraud, insurance companies…

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Can I choose any body shop to repair my car?

After an auto accident occurs, most people’s first priority is getting the vehicle repaired to the condition it was in prior to the loss. Insurance companies play a vital role in this by providing the settlement payments, but ultimately it is a body shop, not the insurer, that will complete the repairs on the vehicle….

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Can I file a car insurance claim for a scratched door?

Car insurance companies decide what damage will be covered based on the cause of the damage. Whenever you file an insurance claim, the company will ask you for details regarding when and how the accident occurred. If you do not know what caused the damage, an insurance adjuster will inspect the damage to the vehicle…

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How do I file a claim for hitting my own car?

If you have multiple vehicles, you may some day have the unfortunate luck to hit one of your cars with another. This can happen easily if you keep them parked in a narrow garage or if your spouse parks somewhere you’re not expecting. Although it can be very inconvenient to have a collision between two…

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