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Thomas Said:

how to make complain about car insurance?

We Answered:

You must do what Old Know it all says first and if that produces no joy then pregress to UCANTSEEMEs advice.

Shane Said:

Car insurance coverage question?

We Answered:

A. Comprehensive means, stuff that happens to your car, that is NOT you driving into something, or something driving into you, and is also NOT flipping the car. Examples are fire, theft, vandalism, broken glass, and in some states, collision with an animal. If you have a loan on your car, the bank will require you to carry it. I carry it, because it's very easy to get a cracked windshield, which can cost a lot to replace.

B. Collision is when you run into something with your car, or another car (or shopping cart, or bike) runs into your car, or you flip your car.

C. Uninsured coverage is when you are hit by someone else who does not have insurance, and you have bodily injury - it pays medical bills, and pain and suffering. It also covers you as a pedestrian, and covers you for hit-and-run injuries.

D. Underinsured - this is when you're hit by somebody who has some insurance (usually state minimum limits), but you have A LOT of injuries. This pays the difference between how much coverage he has, and how much you bought. Example: You have $100,000 UIM. He has $20,000 bodily injury. He hits you, you have two broken legs, are in traction in the hospital for 6 weeks and need a month of rehab afterwards. Your hospital bills are $120,000. His policy pays $20,000, and your policy pays $80,000.


Your agent should be explaining these things. If they can't/won't, you need a new agent.


By the way, there is no "acts of God" in the insurance world. It's not written into any policy. It's not a proper insurance term. Also, flood damage to your car IS covered under comprehensive. NO CAR DAMAGE IS EVER COVERED BY A HOMEOWNERS POLICY, contrary to what someone above posted.

Gordon Said:

What is the process to claim when the car is at fault for my car's damage?

We Answered:

Mobile phones are life savers as most have camera's in them, take photos of all damage to both vehicles, wide shots of where they came to rest, and exactly where they collided.
Get the names and numbers of any witness's.
Then allow the other person to bay for your repairs, if they can't, or refuse, it's on to small claims court, or regular court if the damage is over the allowable amount for small claims

Edwin Said:

Car insurance claims process - how does this work?

We Answered:

That's why you have insurance. Notify them and let them sort out the details.

Kristen Said:

If you need to claim on your car insurance, what things do they check from your application?

We Answered:

Any statement made by you will be checked by the Insurance Company but, and this is the major point, if you have an accident or make any claim, they might just have the whole truth on file and your 'grain' might just invalidate the claim. Watch out!