Can you have Uninsured Motor Vehicle Property Damage Coverage, WITHOUT having Uninsured Motor Vehicle Coverage (bodily injury)?

Puffy Lux
Better water better life

According to the State Farm form, I can't have UMVPDC (Property Damage) unless I have UMVC (bodily injury) too. Is this true? Is this just a State Farm thing? I want the UMVPDC (property) in case my car incurs damages while parked (by vandals, etc), however I do not wish to pay for the UMVC (bodily damage). But, if I'm reading the form correctly, I cannot have the property damage coverage unless I get the bodily damage one as well. I wanted to know if that is common.

Wiper Blades USA

Thanks

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Don’t Forget Your Pre-Trip Vehicle Inspection!

Puffy Lux
Better water better life

HUB carinsurancemyths

It’s that time of year again…end of summer break! Some parents try to squeeze in last-minute vacations with their kids before the break comes to an end. Or maybe, school just started, and it’s time for the fall sports season, which means more traveling to regional schools for away games. It’s a busy time of year for many families, so it’s easy to forget to inspect your vehicle before taking off on a road trip. Here are a few important things to check on your vehicle before speeding off to your destination.

Wiper Blades USA
  • Windshield wipers – Make sure your wipers are working properly and don’t leave streaks that impair your vision.
  • Lights – Verify all lights on your car are working. This includes headlights (low beam and high beam), tail lights, brake lights, turn signal lights, reverse lights, and hazard lights.
  • Brakes – Brake pads should be at least 5 mm thick.
  • Fluids – Make sure your coolant, oil, and brake fluid levels aren’t low and check the ground beneath where your car is parked to ensure nothing is leaking.
  • Tires – Tread depth should be checked, along with tire pressure.
  • Spare Tire – Make sure you have a spare tire that’s fully inflated and a car jack and lug wrench to remove a tire if the spare is needed.
  • Steering – Take your car for a quick test drive down the road and see if your car heavily pulls to the right or left when you let go of the steering wheel. If so, your alignment may need to be corrected.

Of course, you always hope your trip goes well, but in case something does go wrong while on the road, you’ll also want an emergency kit that includes items like a flashlight, jumper cables, a first-aid kit, blankets, extra phone chargers, etc. Roadside Assistance is also a great tool that many insurance carriers include in their auto policies. Talk to your local independent insurance agent to see if your auto policy includes Roadside Assistance, to learn more about it, or to add it to your policy!

Safe travels everyone!

Here’s a video from Central for more tips:

https://www.wheels24.co.za/News/10-things-you-need-to-check-in-your-car-before-your-road-trip-20171221-2

https://www.bryantmotors.com/car-buying-guide/road-trip-maintenance.html

Copyright © 2019 Central Mutual Insurance Company. All rights reserved.

Total loss vehicle…. repaired, then total loss again the same day as it was repaired.

Puffy Lux
Better water better life

submitted by /u/ChiBears7618
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Illegal items in a vehicle during claims process

Puffy Lux
Better water better life

Please settle an argument for me. If stolen goods, contraband, drugs etc are fount in a vehicle during the claims process, the insurer has the right to repudiate the claim, even though this wont be in the contract?!

submitted by /u/CharmingM4n
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Why would insurance offer me more money than requested to total my vehicle?

Better water better life
Puffy Lux

The at-fault insurer is offering to total my vehicle or for me to withdraw my claim and receive nothing.

LA Series

I am requesting an amount less than the ACV based on the most recent repair estimate. I wish to keep my car and repair it. I do not want the title history affected.

Per my state law, the car is a total loss if the insurer pays me 100% of the value to replace it or 100% of the value in repairs.

Why would the insurance company want to pay me more money? All it appears to accomplish is negatively impact the title history and make me file for a rebuilt title. Every time I explain what I would like and how it is within the law, they just resend the offer or say "the offer is final." There isn't any discussion or negotiation.

submitted by /u/sidescrollin
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Allstate changed their minds about insuring my vehicle after 6 months

Better water better life
Puffy Lux

So here's the situation –

Roses

Back in January we needed to upgrade our large family SUV to accommodate the arrival of our 4th child. We had rented minivans in the past and knew the space was super limited when trying to pack the kids, dogs, and all the fixings in for a weekend camping trip. Knowing this we had our eyes on the bigger vans. So down to Carmax we stroll and at the end of the line of minivans we see a Ford Transit 350 XLT. Alright! Test drive goes good, no issues, low miles, well within our price range, and I'm qualified(first loan I've taken out in ten years). Call up Allstate, give them the info on it, alls well, we sign on the lines.

Fast forward 6 months later, I get a letter in the mail from the DMV that my insurance had been canceled two weeks ago! Knowing they had definitely taken my money this month I called to find out what was going on only to be told that when my policy was up for renewal, they decided since the transit is a 15 passenger, it needed commercial insurance, so they canceled my policy. I received no notification, no phone calls, and have apparently been driving for two weeks without insurance.. idk about the rest of the country but in NY they would tow my vehicle and arrest me if I had been pulled over.

On top of that I purchased the vehicle under the assumption it was covered under my auto policy.

My question is, do I have any legal recourse to this? Can they be held responsible? I financed the vehicle only after allstate agreed to insure it on my policy. Can they just drop me without warning and put me at risk of legal action? I drive for a living, having a suspended license due to this is detrimental to my family.

submitted by /u/SerDuncanonyall
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Following a Collision with an Automated Vehicle

Puffy Lux
Better water better life
Collision with an Automated Vehicle

Following a Collision with an Automated Vehicle

Following a Collision with an Automated Vehicle, What Do You Do?

Seven out of ten drivers wouldn’t know what to do

Drivers today share the road with automated vehicles* more and more, with tech companies like Amazon, Apple, Google, Intel and just about every automaker developing and testing self-driving cars and trucks. Auto manufacturers are phasing automated vehicle technologies into new models, including adaptive cruise control, collision avoidance, blind spot cameras, parking assistance and lane departure warning systems. These semi-automated technologies are the first steps toward a fully-automated vehicle future.

Full automated vehicle adoption won’t happen overnight, as these vehicles are only expected to account for five percent of all vehicles sold by 2030. Companies are testing their technology around the country, and government agencies are working diligently to study and implement regulations governing the use of driverless vehicles.

As this transition takes place, there will still be car collisions, and many will involve automated and old-fashioned human-controlled vehicles. Typically, drivers involved in a collision exchange vehicle and insurance information with one another. But what does one do when there’s no driver in the automated vehicle?

A 2018 nationwide study conducted by Mercury Insurance revealed that 70 percent of Americans wouldn’t know what to do if they were involved in an accident involving an automated vehicle. Even more perplexing is what to do if an automated vehicle hits you or your vehicle and drives away from the scene – a recent incident caught on video during the 2019 Consumer Electronics Show in Las Vegas shows this exact scenario and it’s a potential problem both manufacturers and consumers need to prepare for as we get closer to self-driving vehicles becoming a mainstay on the nation’s roadways.

“Drivers involved in a ‘hit-and-run’ incident with an automated vehicle should proceed the same way they would if there was someone behind the wheel,” says Kevin Quinn, Vice President of Claims and Customer Experience at Mercury Insurance. “Try to get the license plate, make, model and color of the vehicle and call the police. We can identify the vehicle from the plate, but whether you get the plate or not, call the police and report a hit and run accident immediately.”

Mercury Insurance recommends taking the following actions if you’re ever involved in a collision with an automated vehicle:

  1. Move to a safe area immediately. If you are unable to move the vehicle, turn on the vehicle hazard lights to warn other drivers. If you have road safety flares, use them.
  2. Park your vehicle and get out if you can. First, turn off the engine and then make sure it is safe to exit your vehicle.
  3. Ensure everyone involved in the collision is okay. If someone is injured, call 9-1-1 immediately. Calling law enforcement to the scene is also recommended whether someone is injured or not.
  4. Gather as much information as you can, including the year, make and model, plus the license plate number(s) and vehicle identification number (VIN) of all vehicles involved. “The key is to get a photo of the VIN, license plate, and make and model of the other vehicle, if safe to do so,” says Quinn. “Smartphones make it easy to take photos of the accident scene and the vehicles involved. A photo is ideal but writing down the information works, too.”
  5. Get the names and contact information of any witnesses, and be sure to note the date, time and location of the accident. Record which direction each vehicle was heading at the time of the crash. “The more information you’re able to provide to police or your insurance company, the easier it will be for them to reconstruct exactly what happened and determine who’s at fault,” says Quinn. “In the case of colliding with an automated vehicle, take photos and video of the weather conditions.”
  6. Get the badge number of responding law enforcement officers when they arrive, and be sure to find out how and when you can obtain a copy of their report. The officer may be able to give you an accident report number at the scene.
  7. Call your insurance company to file a claim as soon as possible. Note the name of the insurance adjuster handling your claim, date and time of the call and your claim number. They will need the same information provided to the police. Even if you’re in a minor fender bender, report it so you’re protected against unforeseen or future claims, because sometimes injuries and damage aren’t readily apparent. You should also make your personal insurance agent aware of the accident, as he or she can help spot red flags and help resolve problems.

If a hit-and-run incident occurs, it’s still important for the driver to contact their insurance company because they may be able to provide assistance in identifying the owner of the automated vehicle and will take legal action against the other carrier (or manufacturer) if warranted.

Quinn says this advice also applies to pedestrians or cyclists who are involved in a hit-and-run incident or collision with an automated vehicle.

* Editor’s Note: Many terms have been used for self-driving cars, including autonomous vehicles, connected cars, driverless vehicles, highly automated vehicles and self-driving cars. We have elected to follow the lead of the U.S. Department of Transportation, which refers to these cars and trucks as automated vehicles. For reference, visit https://www.transportation.gov/AV.

My vehicle is totaled from hail. I’m still making payments on it. Insurance (Travellers) is saying they are taking it from me. Is there a way around this? Can I keep it if I’m still paying it off?

Better water better life
Puffy Lux

I have never dealt with this before and not sure how it all works. It seems wrong that they would just leave me with out a car.

Roses

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When buying a car, do I need to put my moms name on the title/registration of the vehicle if I will be using her insurance plan?

Better water better life
Puffy Lux

I’m already listed as a driver on her insurance plan for the car that we share. So can I buy the car by myself and put the title/bill of sale other dmv paper work and registration in my name or will my mom have to be there for all of that to put her name on those??

LA Series

submitted by /u/Adilla_tha_Ki114
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[MI] My legally parked vehicle was hit by an independent contractor for a predominant dog walking app. They’re claiming they are not responsible to cover the damages.

Better water better life
Puffy Lux

submitted by /u/ellenbrook
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