♥FMSGuRL♥ asked:


Ok…On May 30th, almost a month ago. I was in a pretty decent accident. I was driving through an area that had construction going on, little did I know there was a car off to my right (in CONSTRUCTION ZONE)-Drving!!! He tried to speed up in front of me, realizing he had no room to cut me off & (get in the right lane), he ended up side sweepeing me….all down my passenger side, causing me to hit 2 barracades!
In total, my passenger side back door is DONE,passenger side front door, passenger side fender, mirror, wheel was brand new..scuffed, hub cap is ruined, my front bumper is RUINED, my hood, my grille…
I only have liability therfore my insurance company will not be covering it…I filed a claim through them, then called the other guy’s insurance company, filed a claim. By Monday I had a call back from Dairyland where he is insured, they set up an appointment for an adjuster to come check out my car. He came took pics, he said he considered it totalled, but would have to go to his office do research and get back to me with what his conclusion was.
—-TOTALLED is what he said. He said that it would cost more than the car is worth to fix it. (Keeping in mind it is a 98′ Honda Civic)
So i said OK. He told me he would have a new agent who deals with total losses contact me, with a quote,this WAS 3 WEEKS AGO!!!!
Not only that, the lady who took my statement some young annoying attitude B!T$H said ok, now I just need to call your witness and get his statement, she said it should only take a day!-NEVER did I get a call back that was 2 WEEKS AGO!
SO! I go back to the adjuster, calling him saying hey I havent heard from either of THEM, whats going on, come to find out the girl had been on vacation for ONE WEEK, ok well what about the other week? AND AS FAR AS THE NEW TOTAL LOSS AGENT!!!!?
What is going on!? I have never been into an accident, what the HELL IS TAKING SO LONG!? This isnt my fault some dumb little BOY hit my car, and driving around with a MEESSSSSSSSSED up looking car, and theyre just going to drag their feet!!!?
what do i do?

Jonathan

MilkMan2003 asked:


I scratched some ladies car as I was parking and was wondering if I should go to my insurance to fix the scratch. Its on the front passanger door guard molding and isnt even that big. Its like a foot long and maybe half an inch wide but I was wondering if I go to my insurance to take care of it if it will raise my rate up or if they will be cool about it.

I checked around and she supposedly got a quote for $180 but I found places that will paint it for about $75 and one that will do it for $30-40 if the paint is available. I am also a student so I cant be messing around since I dont have alot of money saved up : (
The place that will do it cheaper is a national franchise and the other is owned by a big time company so why would I want to be a sucker and have her tell me where she wants it done. For all i know she could just be trying to make some money off of it. And no the scratch on her car is not that big of a thing but I would not want it on my car either.

Harold

MM asked:


I’ve had this car for 3 days and have driven less than 100 miles on it. My insurance went up to 1400 for 6 months because for a lease you have to have full coverage… the insurance the leasing place recommended quoted me at that much for a year but are making me sign power of attorney to them? Hell no. I dont want to deal with this. How do i return my car

Tanya

monkeyofstick@yahoo.com asked:


Our car was hit with a shool bus in the parking lot where my wife
worked.We gave them a printout with all the bills for the last year,mostly in the last 6 months.
They offered 1200.The car is 10 years old,but has been almost
rebuilt over the last 6 months.They have made 2 pathetic attempts
at a settlement.Both were less than our last midas repair bills.
How often can they avoid responsibility,or how many offers do they try before they give up?

Gary

alia asked:


After she did it she got a call from an acquaintance whose car she hit in a parking lot last summer. The girl decided she wanted to get the car fixed finally and her quote was $1200. So can my sister call back up and get her insurance reinstated and then file the claim for something that happened back in August? She is driving my grandma’s vehicle right now and is covered under my grandma’s policy at the moment.
By the way there was never an accident report filed. So there is no way to prove it happened in August 08 except that a mechanic looked it and gave the friend a quote back in August.

Peter

AllorNothing AKA The Black MikeT asked:


I just got off the phone because they denied me of a credit card.

They said I had too many credit report checks and other stuff. The reason I had so many credit reports is because I was getting car insurance quotes online.

And other things.

Wtf? Who the hell regulates this? Because it seems the banks have too much power they can control your life. They can decide whether or not you can own a home, or get lower insurance on your car.

But you may say you don’t NEED a credit card. But you will be working for about 15 years in order to pay for a house. The standard of living and your way of life will not be the same with out a credit card and the ability to establish credit.

Theresa

joefasho0301 asked:


i was wondering what the real world difference is between an early model fourth-gen camaro z28 versus a later model more modest car, such as a 2004 cavalier or 1999 acura CL? i have gotten quotes online but there doesnt seem to be much difference and everyone hypes the insurance for these kinds of cars so much. i am 16 and a guy so insurance is high in general. thanks.

Dora

jeb3 asked:


Recent hail damage on my car. It is paid off and older. I was considering taking the cash-out option on the insurance claim and putting the cash into repairs. I received 3 quotes from reputable body shops and they ranged from $2100 – $2400. Just came back from a meeting with the adjuster (All State) and they offered $1380. He told me if I wanted more, take it to a body shop and All State would pay the difference to the body shop. Why, if All State will pay the body shop $2100 to repair my car, will they not give me a check for $2100? I know darn well that I’ve given them more than that amount over the last 10-years as a policy holder! To make it even more pertinent – one of the quotes is from their ‘preferred’ body shops!

Can I appeal to the Texas Department of Insurance?

Thanks in advance for helping a consumer compete and win against BIG Insurance companies!

Roger

Crum asked:


im going to look for a car this week to finance but i dont have any insurance since im not driving anymore (my car broke down awhile ago and i was on my parents insurance and got taken off since i wasnt driving anymore) and so im wondering how does the insurance work? im not sure what kind of car im gonna get yet so when i go to get quotes it asks for makes and models. i know i have to have insurance before i can take the car so do i just purchase it at the dealership or what?

Eugene

plebian m asked:


i dont have insurance on my car right now, it isnt even re-registered yet. im shopping for sr22 insurance right now and there are many questions asked when trying to get a quote. some i can obviously lie about, like how many miles do i expect to drive my car in a month, how often i drive to work etc. and some not so obvious. what information can they get besides how many tickets i have had in the last x number of years?

Troy