Hi. I'll keep it brief: recently had a crash, will most likely be found to not be my fault. In the days following I had MOT carried out, passed regardless of the damage. At the same time the Insurance Company's VDA asked me to send them photographs of the damage and they have said that the car is unsafe to drive and ubsalvably damaged and needs to be scrapped.
I want to keep the vehicle because I need it for work, and as far as I'm concerned the MOT cert proves that it is safe to drive on highways. Can a VDA really make that call from a couple of photos? Does the MOT not supercede that?
Should add: The insurance company offered me the value of the van, but I would rather keep the van and have a cash settlement because it will be less disruptive to work.
Thanks in advance.
submitted by /u/Joolay33
I bumped into my neighbor's car when I was backing up today. Only a piece of paint (< 1 cm in diameter) chips off the other car's bumper without deformation. It was a relatively new Toyota Prius. How much should I be expecting to pay?
It was also my first accident. I left a note with my contact and took some photos. Should I also call my insurance company if I am most likely paying the owner out of my pocket? What else should I do?
submitted by /u/lkh1018
I had my 1st auto accident yesterday (56 y.o. pretty good run!) 2006 toyota camry 156K miles, in great shape). Was rear-ended at a stop light. Nobody injured. I was a mile from home, and was able to drive back home. The other driver admitted fault and was cited for following too close. Adjuster came out today to inspect, and said the car would be totalled. I am assuming the auto insurance company's goal is to give me as little of a payout as possible. I do I determine what a fair amount is? Thanks.
submitted by /u/nobody102
Legal Context: I live in Tennessee, USA, where insurance is for the car not the person (from what I understand). Per custody agreement, I split time between my mom and dad, switching weekly. I am on dad’s insurance policy and he pays for my car.
Mother claims that her insurance company is going to charge her money if she can’t tell them my specific insurance information. Dad refused to tell her. After a big fight (including at one point her asking me to ignore him and give her the name of the company so she can have her company find my insurance info), she eventually said that I’m not allowed to drive on her weeks, per the insurance company.
Is this true? Can my mom’s insurance company restrict my driving if I have insurance paid by my dad? Or is she lying and punishing me for not giving her the information she wants?
Note: She has never shown me proof that the company says I can’t drive on her weeks.
Edit: Thanks for your enlightening responses! To clarify for anyone else who stumbles upon this post, I do not drive a vehicle with my mother’s name on it. My car is under my dad’s name. It definitely looks like she’s lying to me now, which clears up confusion that I had. Thanks again, wonderful reddit users!
submitted by /u/404errorlifenotfound
So, I was on short term disability for a few weeks in October 2018. In late November, at the recommendation of my doctors, went to extend my claim another 6 weeks to the second week of January, 2019. After a bunch of back and forth with the insurer, I haven’t heard anything, not collecting benefits since November 30, and it’s now early January. I call my claims manager who informs me the claim was denied and that they’ll be sending me a letter. If I want to appeal, I can, I have 180 days to do so. About a month later, I still have not received the denial letter so I call my claims manager who emails me a PDF of the letter. Meanwhile, I meet with my attorney and we’re reviewing the documents to organize the appeal. In rereading the letter, it clearly states that the insurer is “unable to pay benefits beyond November 30, 2019.” Now, clearly, they intended to say 2018, however, it seems to me that the error is on their end and that I can collect the 6 weeks of benefits they (wrongly) denied me in the first place as they are obligated to abide by their letter. Anyone have any experience with something like this? Isn’t the onus on the insurer now?
submitted by /u/WhosAnthony
Location: Southern California
Okay, so back near the end of April I resigned from my job.
Husband was going to add me to his insurance plan from his work, but my insurance coverage was still listed as active.
He asked his employer what we should do and they told us we should wait until my insurance finally terminated before asking to add me to his plan.
A month went by and strangely I continued to receive paychecks.
I emailed my former employer telling them that I thought something was wrong, that I was still receiving paychecks and my insurance was still active.
They responded and said don't worry about it, nothing was out of the ordinary.
Fast forward to late June. We finally got the notice for cobra coverage in the mail. The coverage end date listed on the cobra form was backdated to my resignation date, way back in April.
My husband tried to use the cobra letter to get me coverage with his employer but his employer wouldn't accept the letter because my coverage end date was listed more than 60 days after the qualifying life event – namely my resignation and backdated loss of health coverage.
So basically, they cut off my insurance and notified me after the window for me to apply for coverage via a qualifying life event had already lapsed.
Fast forward to today, to make matters worse, they are now asking me to reimburse them for the incorrect payments that they told me were not an error 2 months ago.
What should I do?
submitted by /u/PleaseNoMrCar
Hi all, I was recently hit by a Canadian driver in New Jersey, and the officer at the scene forgot to take down the name of the insurance company when filing the police report. The policy number starts with an "F19", which I think is the indicator of who the company is. Is anyone able to help point me in the direction of where I should look to find out what company this would be? Thanks in advance!
submitted by /u/Jm110
I already posted this in r/legaladvice with a recommendation to post here: I was recently in a t-bone collision with another diver who was driving a rental car in North Carolina. They were turning left out of a parking lot (across two lanes of traffic) and hit me as I was traveling in the lanes closest to the parking lot they were attempting to turn out of. Their insurance is threatening to deny the claim because they were driving a rental car (the driver opted out of the offered insurance for the rental). Is this a valid cause for a denial? My understanding was that auto insurance follows the driver, not just the vehicle.
submitted by /u/tjkoala
Recently someone had hit my car while it was parked, after a friend notified me, I arrived and retrieved the other person's DL, license plate, and insurance info. Then i submitted a claim through my insurance which then my adjuster submitted a claim through the other driver's insurance (Alliance United Insurance). Neither my adjuster or I have been able to make contact with the other drivers adjuster after multiple attempts. I have considered taking it to small claims court, i am wondering is there other options or ways to pressure the insurance company into responding. Thank you!
submitted by /u/thizzpill11
Someone backed into my car in a parking lot a while back and, when I reported it to my insurance company, I was surprised to be told that I was supposed to deal directly with the other person's insurance company if I wanted them to pay.
So now I've been playing phone tag with an agent from another company for over a month now. I called my agent and asked if they would deal with it and was told that they would, other than my deductible, and pay that part back once they'd gotten the deal with the other company worked out.
I could swear in the past that when other people have damaged my car that my insurance company was the only one who dealt with the other insurance company. Have things changed? Is my memory just faulty?
submitted by /u/wfaulk