Can I be billed retroactively by the insurance company because I didn’t declare my 21 year old son on my insurance policy when he got his license? If your son has not been involved in an accident in your car, you can simply tell your insurance agent that your son is licensed… → Read More
Are there laws in Indiana that state when a vehicle should be a total loss? Normally, if the cost of the repairs exceeds the damage to the car, then the car is considered totaled. There are even instances where if the… → Read More
no proof of insurance but do have insurance under parents policy for other vehicles If you are stopped in someone else’s car, they should have proof of insurance in the car. If they don’t, you will receive a ticket… → Read More
I was involved in a car accident with a guy driving a rental car (hertz). If you have an auto accident and the other party is responsible, then the other insurance company is obligated to pay for the repiars to… → Read More
Can my insurance company tell me they charged me the wrong premium halfway through the policy term and demand that I pay them back? Asked to see your orginal application for insurance. It is not unheard of to have an agent write something different or input into the computer something… → Read More
Why am I being asked to show my cell phone records to my insurance company on a car theft claim? We get questions all the time with regard to insurance companies asking for cell phone and landline phone records during the investigation of the theft of… → Read More
Does a “Possess Open Intoxicants in MV-Driver” charge affect insurance premium? In some states, yes. It really depends on the insurance company and how their underwriting looks at and the weight that the give to this… → Read More
Is it ok to lower my deductible before i file the claim for pymt? If you have already had an accident in your car, you cannot legally reduce the deductible before filing the claim. If you do so you… → Read More
Can Infinity Insurance require I pay a 20% co-pay when choosing my own body shop? Never heard of an insurance company requiring you to pay 20% co-pay on a repair just because you did not have a car repaired at… → Read More
If property loss in an auto accident went thru subrogation and came back at 70/30 does the payout on injury portion of the claim go by this % as well? Yes, it would extend to the injury portion of the claim. Arizona has a pure contributory negligence law. Presently, thirteen (13) states follow a pure contributory… → Read More
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