How do I find out the total loss on my car insurance policy?

Most people who buy auto insurance never need to use it. Whenever a car accident does happen, however, the insured wants to know that they will be covered for the value of the vehicle. If the insurance policy has full coverage, the insurer will repair the vehicle up to its worth; if the cost of…

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Who pays for damages in a Hit-and-Run car accident?

At some point in their lives, most people have been involved in a hit-and-run collision. A hit-and-run occurs whenever a driver causes a car accident and then flees the scene without providing insurance information to the vehicle’s owner. Whether exiting a store to find damage in their parked cars or being hit on the highway…

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What is Diminished Value?

Whenever a vehicle is involved in an accident, it loses value. Even if the car is flawlessly repaired, the accident will still show up on VIN reports and potential buyers will know that the car was involved in a collision. This reduces the resale value of the vehicle and can be a major concern for…

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Will my car insurance cover car pooling?

Car pooling is a way to reduce the costs of transportation to and from work, school and other destinations. When you car pool, you travel with a group of people in a single vehicle rather than each person driving their own individual car. Because only one car is used at its full capacity, there are…

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Can I recover lost wages from a car accident?

Auto accidents are a major inconvenience, and injuries make accidents even worse. Even relatively minor accidents can cause lingering injuries to the soft tissues of a person’s neck, shoulders or upper back; these types of injuries can be very persistent and may take several weeks or months to heal completely. Injuries can quickly become expensive…

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Will my car insurance cover a repossessed vehicle?

Whenever you finance a vehicle, you do not properly own the car until all payments have been completed and the car is paid off. Whether you are leasing or simply making payments toward ownership, the financing company is allowing you to use the car on the agreement that you will pay for it incrementally until…

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Should I talk to an insurance adjuster without a lawyer?

If you are required to talk to a claims adjuster about your accident, you may wonder if you should have a lawyer present during your conversation. The decision to have a lawyer present can be a good one if you are dealing with a hostile adjuster, but is often not necessary with proper precautions. Personal…

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Insurance Adjuster Wants Recorded Statement [Comprehensive Guide]

Do car insurance companies record phone calls? Yes, many companies, including car insurance companies, record phone calls. But why do insurance companies record calls? And should you let an insurance adjuster record your phone call? Usually, the recording is for quality control purposes, but the recordings can be used for other reasons too. Insurance adjuster…

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How do I find previous car insurance claims?

If you want to find out if a car has a history of accidents or damage, one way to get this information is to find the previous insurance claims filed on the vehicle. This information may be very useful if you are trying to negotiate a price on a used vehicle; if you want to…

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Does car insurance cover vandalism damage?

Imagine you are walking out to your car one night from work and you notice that something is wrong. As you approach the car, you realize that two windows are smashed and someone has spray-painted words on the side. Vandalism! You quickly call the police, who come and make a report, but there is little…

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