Accident Claim

Questions and Answers

accident group claim ???

Q) i started a claim for a simple road traffic accident in november 2003 and they went bust but my claim stayed with the solicitors and in july this year i found out that of the £1750 i had been awarded,i get nothing because it's less than the loan amount given including the interest. can i somehow claim this from the 3rd party who is responsible or from my solicitor??? THANKS !!!

A) What loan?? Is this an insurance premium that you paid? When a personal injury claim is settled in favour of the claimant the claimants solicitors receive their fees from the losing party. Recovery of the insurance premium should be included in your damages as special damages (ie money spent by you which you would have not spent but for the accident). If the loan is an insurance premium you should be entitled to claim back around £600. (UK Courts held anything more than £600 was unreasonable)

When you are a named driver and not the policy holder and you've made an accident claim?

Q) and had to take full responsibility for the accident as you ran into them... Do you have to declare this when seeking quotes for insurance where the policy will be held in your name

A) You are legally obliged to disclose ALL accidents, claims or convictions (regardless of fault) when obtaining insurance quotations. Whether you were the policyholder or a named driver is irrelevant I'm afraid.

Would putting an accident claim in against my employer affect future promotion chances?

A) In theory, no. Pretty much all businesses have insurance set aside for these cases so it will not actually cost the employer anything and therefore no one should begrudge you being compensated for a valid claim. However it depends on the view of co-workers etc and the type of claim. Too trivial could see you portrayed as money grabbing! Good luck

how long before a car insurance accident claim becomes exempt?

Q) my wife had a bump in her car today nothing major a old guy may make a fuss were worried about losing her 3 years no claims if we dont hear anything when can we forget about it??????

A) It depends on the laws in your jurisdiction. In Manitoba you have 2 years to put in a claim, as long as nobody was injured, but a person would be crazy to wait that long. Damage is hard to properly estimate after 2 years of the elements, and memory becomes unreliable. You don't say what kind of damage, but if the "old guy" has a little damage to his vehicle, and is putting in a claim, you could check to see what it would cost to just buy it out.

Could I still tell the police and make an accident claim UK?

Q) Earlier today as I was crossing the road a car came out of a parking space saw me but carried on driving it hit me in the leg this was up to 5 miles an hour,the driver did not stop I had to call a cab to take me to casualty resulting in I am now in immense pain and have a torn cruciate ligament, can I contact the police as I do not have a reg number and do not remember the colour of the car only that it was metallic colour, it was outside a pub would they be able to get cctv footage he didn't hit me hard enough me to fall in the road, I stumbled to the pavement

A) they may get cctv, maybe not. or there could be witnesses. either way tell the police. the driver committed hit-and-run, thats illegal they still hit u, and u are hurt, report it

my car is almost total in accident, but my claim adjuster doesn't agree. Can I hire independent claim adjuste

Q) my car is almost total in accident, but my claim adjuster doesn't agring to total that car. Can I hire independent claim adjuster to challange his decision.

A) Well, if 'totalled' = 'written off', then 'almost totalled' = 'NOT written off', eh? Seems you and the loss adjuster are in agreement.

If my car is stolen and in an accident, can a claim be made on my insurance?

Q) Can victims of an accident caused by my car claim against my insurance even if the car had been stolen from me? Just wanted to add that this is a hypothetical situation that I was discussing with someone this morning... I wondered whether the fact that the thief had had an accident with the car would just make it even worse for your premiums afterwards (despite the fact that it had already been stolen)

A) You would be surprised how often this situation actually happens. If your car is stolen and the thief caused damage or injuries to somebody else your policy would not cover it. In order for your policy to cover damages either you (or somebody you give permission to drive your car) must be negligent and legally liable for those damages. Since the car was stolen and not under your control you would have no negligence or legal liability. The injured people could try suing you, but the court would toss the case out because again you would need to be legally liable. I have handled a couple stolen car claims where our policyholder left the keys in the car and somebody stole it. The thief then caused damage to somebody else. The other party then tried to claim that our policyholder was negligent for leaving the keys in the car. I denied the claim and the other party found a lawyer dumb enough to sue us. The court dismissed the case saying that while leaving the keys in the car wasn't smart it did not constitute negligence for the damages.

What safeguards are there against non insured drivers, if involved in an accident and win my claim who pays?

Q) I have been involved in a road traffic accident, and suffered an injury, the other party has no insurance. Is it possible to claim against them?

A) What you want is the "Motor Insurers Bureau". They will (eventually) pay out and try to recover the loss from the other driver. If they can't then they will just pay out. All insured drivers pay a part of the premium to fund this. You will almost certainly have to get a court judgement to start the process off.

Accident Personal Injury Claim ???

Q) After a recent accident, I'd suffered a whiplash injury to the extent that regardless of going to work for the next 2-3 days after the accident, I've come to the point where I've realised that I'm not quite in a position to continue working the my employer would've wanted. I work in the IT & hence constant exposure to monitor screen along with sitting longer hours on the chair. In addition to stiff neck along with shoulder & back pain already, with the working condition, I seem to be getting eye stress along with the severe headache at the back of my head. Although, I've had this accident reported to CIS (my insurance company), I wonder if I should ALSO report it to the Norwich Union (insurer of the drive who crashed into me). Should I go through the insurance company's legal service (since I've fully comprehensive insurance) OR should I choose an option of "no win, no fee" based company ??? Any recommendation to get me pointed in the right direction would be greatly appreciated. I'm told by my GP that I'd need Physio therapy & would've to wait 6 weeks on NHS. After FINALLY & SOMEHOW managing to get a job only recently, which I really enjoyed I feel less comfortable with throwing "sickie" (since I've NEVER did that in my decade long working life). Should I not be compensated for not being able to do this job or any job for that matter, while I wait for the pain to ease up. Surely, it'd be rather unfair for me to suffer due to the negligence of someone else ??? Are insurance based legal service more helpful & beneficial OR should I choose an option of "no win, no fee" based company. If so, which company in particular is worth a consideration ???

A) REPORT it to the other insurer immediately so you are not said to be making it up later

Can I still make a claim on my car insurance 6 months after the accident?

Q) Hi, I ran my car into a pillar in a car park just before Christmas and badly damaged the side of it. I have been trying to save up the money to get this fixed but now I realise I just can't afford it and I'm considering making a claim on my insurance as it won't cost me as much. Will they still allow me to make a claim this long after the accident though? Thanks for any advice!

A) The one to ask is the insurance company itself. If they say it's too late it's not like you're out anything, and as they won't be paying anything either your insurance won't go up. So call them up and find out.

accident claim?

Q) i am pedstrain and hit by car while i am on work i just get out from my truck fro driection instruction in my case the police officer did not give ticket to anyone because that time the car driver hit me i am edge of his line i have major surgeries on my ankel and and i lost spleen what i do i go for worker comp or i sue the other party please help me

A) Notify the other persons insurance company of your claims. (It should be on police report.) Also notify yours. If your company pays for the medical portion, they will go after the other person's insurance company. They are suppose to have control over their vehicle at all times.

Uniderinsured Accident claim?

Q) I was involved in a motorbike accident in Palo Alto, CA. I separated my shoulder during the accident. The other party barely had enough insurance to cover my medical expenses. I missed 10 days of vaction and travel plans and so I filed an underinsured motorist claim with my insurance compnay. After a month of wasting time, I'm told that I have to settle with the other company before my claim can be processed. But I would lose my rights to sue the other driver, and I have an arbitration clause on my insurance, so I can't sue them. What should I do? Is it unreasonable to ask my insurance company what they're willing to pay in this case?

A) In CA you have a 2 year statute to resolve your BI claim with the at fault driver's insurance carrier, and this includes claims for UIM. If, and only IF, your UIM limits are HIGHER than the other persons BI limits will you have a claim. Also, any bi settlement you come to offsets any settlement you may receive from your own carrier. And you have to resolve the BI claim first. BTW, your insurance company, nor the other insurance, can advise you on how to proceed--all either of them is required to do, and can do, is tell you the statute expires 30-60 days before it does expire. If you want to preserve your claim, you have to file suit against the at fault person BEFORE the statute runs out.

A car accident claim exceeds policy coverage..?help?

Q) Hi i got into an accident a while ago and now i received a letter from Allstate insurance saying that my policy coverage might not be enough to cover the claim of the other person who got injured. in the letter it says that i might want to get my own attorney. Is this letter something that the insurance companies send that gets settled and i dont have to sweat it, or is this serious. someone told me this is just something that they do to let me know that they are fighting in courts and its a regular sort of thing and i wont need to worry about it. but untill i know for sure im very nervous. my coverage was 100K per person 300K per incident and there were 2 people in the opposite car and no deaths, just neck and back problems, thats all i know. So, anybody have any experience with this? what should i do? im a college student and i dont have money for an attorney.

A) The letter you received is what is commonly referred to as an "excess" letter. It is something you must take very seriously. What they are telling you is your policy may not cover the FULL value of the claim for all injured parties involved. They are saying they are providing you with a defense up to your policy limits, however, if the claims value is IN EXCESS of your limits, you'll need to hire your own attorney to help you protect whatever assets you may own--they will not do this for you. For example, if the full value of the claim for just 1 injured party is $300K, your policy only covers $100K--you have a $200K exposure that you can either 1) contribute to out of your own pocket or 2) hire a lawyer to try to fight the remaining $200K or get at least get legal advice to protect your assets so they aren't taken from you. Keep in mind, your insurance policy only covers so much--they have a duty to YOU to inform you of what's going on...this is what they are doing and YES you must take it seriously. Again, they can only pay up to your limits--the other person doesn't have to accept it and YES they can sue you, but Allstate will only pay up to your limits & if you lose, you're on the hook for the rest.

question about pi auto accident claim?

Q) my g/f was in an auto accident last september with an uninsured driver. she had uninsured driver coverage up to $25,000. it was 100% other persons fault b/c they ran their stop sign. her car was totaled and insurance paid for that. she was also injured in the accident having lots of back and neck pain for a few months. she was diagnosed by a chiropractor with 4 pinched nerves and soft tissue damage, so she went through about 4 months physical therapy........she finished therapy and has felt alot better but still has back pain, she has been cleared by the chiropractor for her pi claim.....anyways a few of her bills were sent to collection.....shouldnt the insurance have paid these bills from 6 months ago? also her bills totaled around $15,000 because her ER bill was $12,000....so shouldnt she at least get the policy limit of $25,000 if calculated $15,000 for bills $10,000 pain and suffering?

A) Not necessarily. When insurance companies calculate pain and suffering, they do not usually include the bills from an ER visit into the equation. ER visits are almost manditory and are not an indication of real injury, or pain and suffering; especially when nothing is really done in the ER. Usually, they will consider the Chiro treatment (which is always suspect because of the high rate of fraud in this area) and will calculate the pain and suffering based on that. For four months of Chiro, I imagine that the total Chiro bill was around $2-3,000. The insurance company will probably offer to pain all the meds, plus maybe another thousand for pain and suffering. The best she could possibly get, perhaps with the help of a competant personal injury lawyer, would be the total meds, plus $2-3,000 for pain and suffering. This, of course, is an estimate, it does not include any consideration for lost wages, or other incidentals. For more details, your g/f should seek the advice of a lawyer in your area. Good luck!

question about pi auto accident claim?

Q) my g/f was in an auto accident last september with an uninsured driver. she had uninsured driver coverage up to $25,000. it was 100% other persons fault b/c they ran their stop sign. her car was totaled and insurance paid for that. she was also injured in the accident having lots of back and neck pain for a few months. she was diagnosed by a chiropractor with 4 pinched nerves and soft tissue damage, so she went through about 4 months physical therapy........she finished therapy and has felt alot better but still has back pain, she has been cleared by the chiropractor for her pi claim.....anyways a few of her bills were sent to collection.....shouldnt the insurance have paid these bills from 6 months ago? also her bills totaled around $15,000 because her ER bill was $12,000....so shouldnt she at least get the policy limit of $25,000 if calculated $15,000 for bills $10,000 pain and suffering?

A) No, insurance doesn't typically pay medical bills as they come in. When you are done with treatment and released you would add up all your bills and send a statement to the insurance so they could do something with them at that point. "Pain and suffering" is not an automatic that gets added to a claim, and that part of it would best be discussed with your agent, so do that when you bring him copies of your medical bills and the total you are out.

qustion about pi auto accident claim?

Q) my g/f was in an auto accident last september with an uninsured driver. she had uninsured driver coverage up to $25,000. it was 100% other persons fault b/c they ran their stop sign. her car was totaled and insurance paid for that. she was also injured in the accident having lots of back and neck pain for a few months. she was diagnosed by a chiropractor with 4 pinched nerves and soft tissue damage, so she went through about 4 months physical therapy........she finished therapy and has felt alot better but still has back pain, she has been cleared by the chiropractor for her pi claim.....anyways a few of her bills were sent to collection.....shouldnt the insurance have paid these bills from 6 months ago? also her bills totaled around $15,000 because her ER bill was $12,000....so shouldnt she at least get the policy limit of $25,000 if calculated $15,000 for bills $10,000 pain and suffering?

A) Did you turn the bills in to the insurance company? They can't pay them if they don't have them. What have they paid so far? Just the car? What communication are you having with the insurance company? It didn't sound like you were staying in touch with them at all. You need to gather all the bills together and call the adjuster. Do they know she's been release from treatment? Whether she gets the policy limit or not, I don't know. It's hard to say without sitting down and adding all the bills up, looking at her actual injuries, etc. But until you pick up the phone and call the insurance company and find out what's going on, you probably won't know. I do find it a bit odd that they haven't contacted you but I also have no idea what her policy says, what the police report said, what the doctors reports say, etc.

question about pi auto accident claim?

Q) my g/f was in an auto accident last september with an uninsured driver. she had uninsured driver coverage up to $25,000. it was 100% other persons fault b/c they ran their stop sign. her car was totaled and insurance paid for that. she was also injured in the accident having lots of back and neck pain for a few months. she was diagnosed by a chiropractor with 4 pinched nerves and soft tissue damage, so she went through about 4 months physical therapy........she finished therapy and has felt alot better but still has back pain, she has been cleared by the chiropractor for her pi claim.....anyways a few of her bills were sent to collection.....shouldnt the insurance have paid these bills from 6 months ago? also her bills totaled around $15,000 because her ER bill was $12,000....so shouldnt she at least get the policy limit of $25,000 if calculated $15,000 for bills $10,000 pain and suffering?

A) You need to read her policy first. Then, secondly, I'd hire an attorney. Even if they didn't have car insurance, you can still file a claim on them as individuals. Your gf shouldn't be out anything. however, her insurance policy may dictate how much per person, per accident, etc. Most attorneys don't cost anything for the initial evaluation, or will the case is on-going. They collect their money after a settlement is made, and there advances come out first, then they get a percentage of the remainder, usually 30-40 percent. If the person who was at fault, you can put a lien on their house, garnish their wages, all sorts of things. Talk to an attorney. And don't wait...in most states, there is a time limit for filing a claim.

is there a deadline to file an automobile accident claim?

Q) my daughter was involved in an accident in which she was hit from behind. The other driver was at fault and admitted it and a police report was filed. Since the accident was minor she never pursued a claim. Is there a time limit for filing a claim? It has been about 6 months since that happened. I would like for her to get the car repaired.

A) Not to answer your question, with a question....but why did you wait so long??...Also, IMMEDIATELY contact YOUR insurance company, and ask them, about any statutes, of limitation, for claims, regarding your OWN, coverable insurance. Your insurance company, itself, may have a deadline, to file a claim, but you should be o.k., as far as sueing the offending party, for damages.... Many insurance companies, give policyholders, a LIMITED amount of time, to file a claim....because...a fender-bender, 6 months ago, is hard to determine, if the car has been hit, or damaged, since then...they don't want to pay any more, than they have to.....I don't blame them, but you should report ANY accident/fender-bender, IMMEDIATELY....along with any police report.

What costs would I incur if I cancelled my car insurance accident claim?

Q) I snapped a coil spring on the front shock absorber of my car as a result of crashing into a speed ramp and the car is no longer drivable. I tried to do the job myself but was unable to do it. I have now made an insurance claim and the insurance companies recommended garage gave me a quote to replace both front shock absorbers which is quite expensive. My no-claims bonus is protected. Since making the insurance claim, I have found a garage that said he could finish the job I started at a reasonable price.I am now thinking I would like to cancel the claim end get my car back unrepaired. Is this advisable and would my insurance premium still be affected at renewal time. Also, as my car wasn't drivable after the accident and the garage had to collect it from my house and will have to bring it back.

A) Not sure where you’re located but in most States you have the right to have your auto repaired at any shop of your choice. But to answer your question about if you should stop your claim? No, unfortunately the claim has been filed and it will go on your CLUE report regardless (if you’re in the US). So at this point I would just let the insurance company take care of the repairs. Now how this will affect you at renewal time is anyone’s guess. Just be ready to shop rates when you get your renewal bill. Who knows it may not be that bad and if your current carrier treated you well with the claim process a little increase in premium might not be that hard to swallow especially if they took good care of you. Sorry about your mishap, hope everything works out well and good thing no one was hurt. Take care.

How long does it take insurance companies to settle a minor auto accident claim?

Q) I was in a fender bender halloween night. The accident was "allegedly" my fault. The cops showed up got our info and we both reported to our insurance. I track my claim online and it says the case is closed but I have not recieved any info on if I have to pay or if I do not. It has been closed for over a month. I am more worried about my deductible, not about paying directly for the other car.

A) You must be insured with Geico....sounds too familiar. Has your insurance company provided you with an estimate of your damages? If so, it will show you what they are paying or not paying. Chances are if you are damages are over your deductible you're paying your deductible. If the damages are under your deductible...you're paying for the repairs yourself. This means....you received the info on if you have to pay your deductible or not. The deductible applies period,. One more thing...your deductible only applies to YOUR car, not the other person. If they haven't given you an estimate, why haven't you had it inspected?