I had coverage when I was 18. I then let my license lapse because I didn't need it. I've recently been relicensed and will be shopping for insurance soon.
Will they consider me a new driver at 38? Will a past policy have any bearing on reducing rates? Will my rates be as high as a 16yr old??
submitted by /u/Coompa
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
Hey all. Over the weekend, I had a driver run me off the road, causing me to jump the curb going about 40 mph. I had the right of way on a two lane road, driving in the left most lane, and this driver came out of nowhere on my right (through a yield), and turned all the way into my lane when he had his own (right lane) to turn into. Instincts kicked in and I honked and swerved, which caused me to jump onto the curb next to my lane so he wouldn't hit me. The guy showed no indication that he was going to pull over, and at this point I had no idea if he had actually hit me because of how much my car was jostled by going up on the curb. So I followed him and took pictures of his car and license plate in case there was damage. He must have seen me taking pictures, because only then did he pull over. He got out of the car and told me he did nothing wrong, and he didn't hit me so therefore there was nothing I could do. I tried to argue that he did everything wrong, by not yielding and by turning into my lane and causing me to run off the road. There was an accident nearby and I can almost guarantee he was not paying attention to his driving, but to the accident up ahead which is why he nearly hit me but of course he wasn't going to admit fault. So, I have no insurance information from him, but two scratched rims (both driver side) and a ripped tire on my new car. I filed a claim with my insurance, but they said because he didn't actually hit me, it was my fault. Is this right? Is there any way I can fight this? So apparently I should've just let him hit me instead? I'm so frustrated, and so confused so I want to make sure I really have no leg to stand on. I just find that ridiculous. I had no where to go, besides into a curb or let him hit me. Thanks for reading and any advice, even if it is to tell me there's nothing I can do.
submitted by /u/Nna5000
So this is obviously a question about dealing with car insurance. Last week, I traveling down a straight, 40mph road on my way to work. Someone in the other lane started turning (their left; so across my lane) in front of me towards a parking lot (so not an intersection). I took my foot off the gas and covered the brakes for maybe a fraction of a second before I realized they were slowing down, when I hit both the brakes and the horn. Their brake lights are clearly visible in the dash cam footage as the came to a stop in the road, where the front of my car collided with the back of theirs. (Side note: Get a dash cam. This asshole lied to their insurance and never submitted a police report. Imagine their surprise with I give their insurance not only the police report, but also my dash cam footage and a still of their face.)
Anyway, NONE of that is being contested. The problem is that their insurance says I didn't hit the brakes soon enough. This person started turning a maximum of 70 feet from me and I hit the brakes as soon as I saw they were slowing down. I don't mean to turn this into a physics lesson, but a 40mph, you have around 44ft of "reaction distance" (how far you travel before your brain goes "oh shit") and ~80ft of actual stopping distance. I feel like I was within that reaction distance.
Is it possible for me to argue them down? Even if it was only to 5% my fault, I can work with that. Right now I'm looking at $400 out of pocket.
submitted by /u/withoutacar
I made a post several days ago and since then the insurance has informed me that they cannot pay for the damages to my car because the cyclist was liable for the accident. I was in the middle lane when a car swerved into my lane and hit my car, causing $5k in damage and my car is undrivable.
Are they correct in placing no liability on the driver who hit me? My insurance adjuster initially told me that while it was understandable that the other driver would swerve to avoid hitting the bike, he was still responsible for the damages to my car. This insurance adjuster told me not to contact him any further because we weren't dealing with my policy because I only have liability. He referred me to the adjuster of the other driver (same insurance company).
I'm just trying to better understand the laws and whether my insurance company is trying to give me an excuse or if I should continue fighting this matter.
submitted by /u/berrycat14
17M recently passed my test and looking to insurance 1.4/6 golf. I knew insuring a golf at my age wouldn't be cheap but quotes I'm getting even when using comparison sites, with black box and adding my parents as additional driving have been insane. Is there any obscure insurance companies which might give me a reasonable quote?
submitted by /u/immol21
I’m from Ontario, Canada. I began driving in late 2017 to commute to and from work. As a result of being a novice driver, I’ve gotten into a fair share of fender benders that have resulted in my premiums increasing.
My monthly premium was $180 in the 2017-2018 coverage year when I started, and increased to $380 due to two at-fault collisions; in the next coverage year (2018-2019), I’ve been in two further at-fault collisions (although minor) and do not know what this will do to my premiums: either they will increase to a ridiculous amount, or my insurance provider may discontinue coverage on grounds that I’m too high risk.
I’d love to hear if you’ve been in a similar situation and what you did to address it:
- Is it possible to get any early indication from my current insurance provider as to what the new premiums (starting in November) might be or whether they intend to stop providing coverage?
- Given a driving record of four at fault collisions in two years, how easy/difficult would it be to find alternative providers? It is unclear what the criteria is for being considered a “high risk” driver.
submitted by /u/kilamansi
Located in Utah for clarification. Cross posted from r/legaladvice. Pre-thank you to anyone who can offer insight.
submitted by /u/skiptomyloumycherub
I was on a vacation in Boulder, Colorado when another driver in the oncoming lane swerved into my lane, pretty much destroying my rental car through Avis. There were plenty of witnesses on the scene that told the cops that the other driver was at fault. The police on the scene charged the other driver with failure to yield to a light, it was at an intersection.The officer told me I shouldn't have anything to worry about, because they were charging her 100% for the accident. I opted out of rental car insurance, because my credit card has rental car insurance built into it, however, they are stopping this service at the end of September (Citi), though it will still cover me. My primary New York State Car Insurance also has rental coverage.
Two days ago the woman at faults insurance called me and asked for a recorded statement. I was careful to give them the truth and not say anything that would harm myself (I've worked for many lawyers). I've read much on this topic, the community is split 50/50 whether or not you should talk to them. Anyway, I called Avis, and they told me A) If the other driver was at fault, they will go after their insurance B) They wouldn't even begin to open the claim until 30 days after the crash! I've read stories online were people rent from Avis, another driver who was at fault smashes into them. The driver at faults insurance denies the claim, and Avis comes after the renter.
I tried calling my credit card companies insurance company, but they told me not to file a claim unless I get a bill. Is this true? Should I be calling my primary at home insurance? I don't want my home rates to go up, so should I just rely on my credit card company for protection?
submitted by /u/Socrahauer