The company is not paying me fairly on my total loss. How do you establish a vehicles value?

Sources such as book value and dealer quotes can be considered. If the value is disputed by either you or the insurer based on those sources, the only accurate determination can be made with similar vehicles available in the market.  The condition of the vehicle, mileage and options are all used in determining your vehicle’s value.

An auto insurance company is not offering to pay 100 percent of my damages on a liability claim. Can you help?


           The States have the authority to determine if the insurer conducted a complete investigation prior              to making their determination of fault. The various departments of Insurance, do not have the                    authority to decide issues of fault in an accident. If you do not agree with the insurer’s assessment              of fault, you have to ask the courts to rule on the matter or pursue your claim under your own                      policy of insurance.

           The other insurance company won’t pay for a rental car on my liability claim. Don’t they have to?

          Not in all situations. If you have no other vehicle available, the insurer should cover the cost of a                 rental as part of your damages from the accident at least until they determine the loss on your car.             No insurance statutes exist on this issue.

Can the insurance company tell me where to have the repair work done under either homeowners or auto?

Yes, if the insurance company is willing to guarantee the work. You always have the option to       go           to the repair shop of your choice, but you will be responsible for the additional costs. Your insurance         company may only be obligated to pay for the   lowest estimate.

I’ve had an accident with an uninsured motorist. What do I do?

Contact your local Department of Motor Vehicles in your State. They enforce the financial                             responsibility (mandatory liability) laws in your State. They will investigate and, if necessary,                       enforce the statute. Also, if you were injured, you will want to report the loss under your                               uninsured motorist coverage with your company.

What does uninsured motorist coverage cover?

Uninsured motorist coverage applies to bodily injury only. Your uninsured motorist coverage will              protect you from hit-and-run drivers. It covers you for injuries sustained while in your car or as a              pedestrian when hit by an uninsured driver. It does not cover damage to your vehicle.

Do you have to buy uninsured motorist coverage on an auto policy

Many States do require this, although a few States will allow you to sign a waiver to remove it. You              will need to check with your agent to see what your State requires.

Can a finance company take out insurance on my car and charge me for it?

Yes, if under the terms of your loan, you agree to provide comprehensive and collision insurance, and       you fail to do so. The lending institution can obtain a policy to protect its interest. These policies                 typically do not offer liability insurance coverage to meet the state’s financial responsibility                         (mandatory liability) laws.


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