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Gregory Said:

Should I claim Insurance under my own policy or another person policy?

We Answered:

Okay, here's the deal......cops don't determine negligence, and that's what car accidents are about, negligence. So forget the police report, it's not needed (unless you didn't get the info on the other parties involved and then the police report helps). As long as the other drivers verbally confirm to their respective carriers the accident happened as you say you're fine.

Now to answer whether you should go through your insurance or not......I suggest you go thru your own and here's why: the at fault CAN NOT PAY YOU A DIME until they speak with their driver/policyholder, confirm the facts of loss with them, speak to you and the front car, all the while determing if there is valid coverage for the loss. Assuming all goes well you're looking at possibly 2-3 days before they can setup repairs for you. If things don't go well, specifically, their driver/policyholder is out of town or is avoiding them for whatever reason, nothing will be done. In the event the policy is not valid you're gonna have to go thru your carrier anyway. ALSO, depending on the limits of policy and the extent of damage done they could have a limits issue and again they won't pay upfront and you'll be forced to go thru your insurance. If you go thru your insurance you can get your repairs underway asap and not have to worry about 'what's going on' with the other insurance. Sure you have to pay your $2000 deductible but that's what you agreed to pay if your car was wrecked--can't moan & groan about it now. Your insurance will subrogate the at fault & once they get paid you'll get yor $2000 back (unless there's a limits issue where you'll get a pro-rated share).

Your rates should not increase but ALWAYS ask your agent as he/she is the only one who will know.

Nicholas Said:

Voluntary health insurance: you voluntarily choose to have other people pay your bills?

We Answered:

It might indeed have been better if things had remained that way. Health insurance was, after all, quite unusual before World War II. Two of the effects of the expanding insurance industry have been (1) costs have outstripped the rate of inflation by a good margin and (2) philanthropy, with the wealthy donating entire hospitals at times, has essentially disappeared from the scene. I don't quite see how the clock could be turned back, though.

Dave Said:

Can insurance companies NOT give you pro-rated advance back?

We Answered:

Sounds like you got the "short rate" instead of the "pro rata rate" return of premium. This is very common, and I agree, it is not fair. However, I don't think there is anything you can do about it. I strongly suggest you work with a person (licensed agent), instead of using an on-line service. Usually your agent will fight for you and can sometimes get it changed for you to the pro-rata return. It is things like this that make us agents look bad. Your best recourse is to complain with your state's insurance commissioner's office. Sorry you had to learn it the hard way.

Marilyn Said:

Do you get a pro-rated refund of your premium if you cancel your car insurance?

We Answered:

Boss: Absolutely. State Farm did it for me.

Claude Said:

Insurance question about Blue Cross Blue shield?

We Answered:

Get a new e mail account just for this sort of thing. Keep one for friends and personal stuff, another for purchasing, etc.