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The other driver's insurance company denied my claim because they couldn't contact him. What can I do?
I was at a stop light when another car rear-ended me. We exchanged insurance info and driver's license info. I didn't call the police because the damage seemed minimal. I reported it to my insurance company 21st Century Insurance and my adjuster contacted the other driver's insurance company Reliant General Insurance. After a couple weeks the Reliant adjuster said that they couldn't contact the other driver and would deny the claim after 30 days of the date of the claim unless a police report was filed or if there was a witness. So I filed a police report, which the police department said was fine to do even a couple weeks after the accident. The officer who did the report even said it looked like the other driver's fault, since I was rear-ended at a stop light. And he couldn't understand why my claim would be denied just like that too. Both insurance companies knew I had filed the police report, but well after 30 days Reliant still said they'd deny the claim because they can't contact and speak with their insured client/driver. The damage is minimal, but is still estimated at approximately $900, possibly a little more. Plus there's the cost of a rental car. My adjuster said that I could pay the $500 deductible and have the repairs done, in which they would pay for the rest beyond the $500 deductible, except for the car rental for 3 days (because that's not on my policy), and then they'd go after the other driver in collections. But that there would be a chance that I don't get the $500 and the cost for the rental car back. I called the California Department of Insurance and they said I could do what my adjuster suggested or try to take the other driver to small claims court. And that person said that cases like mine unfortunately happen in California often. This just doesn't seem right. I've been paying for my car insurance for years and when I need to use it it seems like my car insurance company isn't trying hard enough to help me out in a case that isn't my fault. Plus the other driver is a paying client of the other insurance company and we have his information. But the other insurance company can deny my claim just because they can't contact him and speak with him, because that driver isn't cooperating. So I either forget all about this and deal with the damages on my car (while it worsens and cracks more over time) or I pay the $500 deductible and the cost for a car rental for a few days and risk the chance of not getting reimbursed for that, or I spend possibly even more money to try to take the other driver to small claims court (including maybe more if I need to get an attorney or need consultation services). Are there other options that won't cost me about $600 or more? I'm definitely switching to another insurance company after this. My adjuster doesn't seem to care about my claim case. I kept having to contact him to try to get status updates instead of him contacting me. And it's been over 3 months now since the accident happened. What upsets me more about all this is that people and insurance companies can get away with things like this. While honest insured drivers have to deal with these hassles and costs."


What are the pros and cons of health insurance?
health insurance why buy it


"Can I get affordable life insurance for 200,000 or more?"
Can I get affordable life insurance for 200,000 or more?"


Whats the cheapest car insurance company for young/newly qualified drivers in the UK?
I have just passed my test and have a car, but the insurance is ridiculously high, around 3,300. There has got to be cheaper quotes out there. Please help, thanks!"


Car insurance problem? who pays for damages the uninsured or the owner of the car?
I got rear ended yesterday and got whiplash. Just got the police report, turns out the driver had a canceled license and no proof of insurance. The car was a lease and im thinking that the driver is not the owner since her licence was canceled and no insurance. My question is who has to pay for my car damages or replacement? I am going to have to sue the other driver or does the owners car insurance compensate me?"


Pregnant and uninsured...?
So I am 14 weeks pregnant...me and my husband joined his companies insurance during open enrollment so I could be covered for my pregnancy. We signed up for the best plan we could get, and it's expensive. I go to my baby appointment on Friday and they say my insurance doesn't cover any kind of prenatal or pregnancy. What the hell do I do now?"


High risk auto insurance?
Guys, Please what is the Best Option Online for High risk auto insurance, i am looking for One Just In Case Thanks"


"My truck got totaled, now the insurance wants to give me crap for payout. Can I negotiate?"
I'm not saying my truck was in good condition due to my parts and stuff. The truck ran perfect, and had no paint flaws or dents. The motor was new, trans was new, rear end was new, suspension was new. Nothing fancy. Just an older truck with brand new running gear and a nice factory interior. I've checked the market for this type of vehicle, and the value is around $9000."


Car insurance way too expensive!?
Hi im 17 no licence need car insurance so i can get my licence all the places i have tryed have cost way to much my car is a 1995 vauxhall vectra 1.8 ltr help please from the uk


What is the cheapest car insurance provider in florida?
What is the cheapest car insurance provider in florida?


What is a cheap car insurance 4 an independent 21 year old male?
What is a cheap car insurance 4 an independent 21 year old male?


Can you tell me which car insurance is cheap in uk.?
Karamjit singh


"When you have a deductible with car insurance, who do you pay the deductible to after getting into an accident
I was in a car accident with a hit and run driver and I have collision with a 500 deductible. So when and to who do I pay my deductible to? And who does my insurance pay their portion to; me or the repair shop for the repairs on my car??


How much does car insurance for a 17 years old cost in UK ?
How much does car insurance for a 17 years old cost in UK ?


How much have your insurance rates gone down since the affordable care act (0bamacare) has passed?
My parents have been having a good ol' time trying to find providers that will even accept Medicare since all the cuts that have been made.


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Car insurance question.?
Can I have a car loan under my name and have the title under mine and my parents name as a main cosigner? Then have insurance under my parents name? Is it possible to have the title under my name with no cosigner and insurance under parents? I just want cheaper insurance that's all.


Which insurance policy is good?
reliance health insurance or star health insurance if any one is ok for you please tell me why please help me to make a correct policy.


What are the average car insurance rates in California?
More specifically, if you live in California, how much do you pay? I'm buying insurance for the first time and I want to get the most basic coverage at the cheapest rate."


How expensive is car insurance under my own name rather than my Mom's name?
My mom's car insurance covers me...but they are threatening to take me off her insurance over something stupid. Does anybody have any idea of how much more expensive it is if I get my own car insurance under my name instead? I'm 23, male, in Ontario, Canada."


Question about car insurance?
I live in philadelphia with my mom, and I live with my dad in quakertown on most weekends. Even though my permit is registered under my mom's address, can I go on my dad's car insurance since it's way cheaper? I mean I do live with him part time, just as I live with my mom part time. I'm 18."


"Good/nice looking first cars for 17 year old boy, cheap to buy, cheap to insure?"
Good/nice looking first cars for 17 year old boy, cheap to buy, cheap to insure?"


"Annual group insurance cost is $8,200.00-?"
Annual group insurance cost is $8,200.00 The company pays 20%. You get paid every month. What amount is deducted? A $107.31 B $83.46 C $4834.60 D $546.67"


How much will I get back in the settlement from the Car Insurance company if...?
I have a 98' honda civic, 4 door, silver, perfect paint, moon roof, all options automatic locks, windows, mirrors, new tires, 153,00 miles, automatic everything works! I was in a car accident (guy hit me) my car is totalled according to the adjuster... How much will I typically get as a settlement, dont they have to give me enough to be able to atleast replace the vehicle with a similiar or same model w/ same options? i looked up on NADA, KBB & Edmunds... and for my car which is in GOOD condition, not excellent, not fair, not poor, GOOD it runs (based on figures from all 3 web sites) anywhere from $2800-3600... what can i expect so i can start to look around for what i can afford, because im probably just going to buy a car outright like i did w/ this one...I dont want payments, yet."


Question about car insurance?
I'm hopefully buying a car next month and my brother has agreed to look after it for me as he has private land with his property so I can leave it with him uninsured and then I will insure myself before I go to uni in September and then collect my car. My brother says he will take it for a spin now and again to keep it warmed up which is fine by me but I'm worried as their will be no insurance listed for that car. Although my brother has his own car and his own insurance policy which says he can drive anyone else's car, I would be the legal owner of the car and have no insurance so was wondering if it would be possible for him to be accused of driving without insurance? Hope that makes sense. Also if a car needs an MOT does it have to be the legal owner that takes the car for MOT test or could my brother do it on my behalf (my brother lives 100 miles from me and I wouldn't have the insurance to drive it there). Thanks in advance."


Do i qualify for VA insurance?
I just found out that i am pregnant last week and we don't qualify for state insurance because we make too much. But my husband just got out of the marine corp in August so does anyone know if we can get insurance through the VA even though he's already out even if we have to pay a little a month. Or if anyone knows of any insurance i can get for cheap, by the way i don't know if it helps but my husband is unemployed right now. Thank you."


"Health insurance company says I don't owe anything to provider, but provider is still trying to collect?"
The in-network provider I went to failed to file a pre-authorization for any of the dates of service and that's the health insurance company's justification for denying all the claims. The provider though is still sending me bills and threatening collections. Here's an excerpt from the letter the health insurance company sent me: According to the provider's in-network contractual agreement with Empire you may not be balance billed for the services they failed to preauthorize. The claims have denied with $0.00 liability to you. The only way that you can be held liable for the charges is if a waiver form was signed. If there was a valid waiver signed the provider would have to submit proof to us. Once a copy of the waiver is on file a review would be completed and a decision would be made if the waiver was valid. A new Explanation of Benefits would be mailed to you and at that time you would be able to file a grievance because they can hold you financially responsible."" I don't recall signing a waiver"


What happens if I'm an uninsured driver and I get into an accident?
Im 16 years old and I live in California and I am licensed. I recently got into an accident (rear ended someone) and it is my fault. Now, we have car insurance of course and my father and I thought I was insured but we found out today that I was never insured. My father never finished the process of insuring me. He called our insurance company when I got my permit to insure me but he didn't know he had to call again when I got my license. I've been driving my car uninsured and I rear ended someone. Now I don't know what happens or what this means. Please someone who knows a lot about this or even experienced this themselves help me. I don't know what happens next. Does this mean my father or I will get in trouble or get a violation or a fee or something? Will I ever be able to be insured now? Someone please give me an accurate answer thanks so much!"


Your salary vs buying a car?
What percentage of your salary goes into buying a car? Ofcos no-one uses 50% of their salary on a car, thus what percentage do you or have you spent in buying a car? Then please go on to my first question found under my profile name which is a fun question as I hope the average percentage of all the answers to this question can be used to actually help answer that questions. thanks"


Why is Geico Home Owner's Insurance So Much More Expensive Than other Companies?
I have had my home owner's insurance through Liberty Mutual and I pay $865.00 per year for about 110,000 in dwelling coverage plus other coverages as well. However, I just decided as I wasn't doing anything today to check on the competition and I called up Geico. Get this.. Here it is... Geico, for the EXACT SAME COVERAGE I am paying Liberty Mutual $865.00 per year gave me a quote for $4,200.00 per year. WITH ALL COVERAGES BEING EQUAL. I was shocked... The lady told me because I had one claim for roof damage which cost $4,000.00 that justified the increase in coverage. Plus Geico had a higher deductible of $1,500.00. First I don't know anyone paying $4,000.00 for a one year home owner's policy for $110,000.00 in coverage. But does anyone know why Geico is so ridiculously expensive?"


What to do about auto insurance policies...?
My husband has auto ins. w/Geico but he recently left for deployment. Since I'm not on the policy yet at Geico I know I have to send in the Power of Attorney to even have access of any information or to make pymts, ect. I also know that once you are married most or all auto insurance companies require that the husband and wife are on the same policy. I was told that if I am already covered w/another auto insurance company then all I have to do is send something in to Gieco. I am still listed w/my parents' auto ins. coverage w/ USAA b/c they still have the title of the car & stuff that I'm driving in their name(s). But I give them $ for all the pymts (trying to get all that changed to my name if I can) Even if I am still listed w/them, I'm still covered for everything so could I just get a copy of the insurance and registration for my car and give that to Geico then be on the same policy with my husband and not get charged for it. Or what exactly would I have to do?"


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"I was rear ended, question about insurance?"
I was rear ended, and since it was completely the other guys fault my insurance company (allstate) said I could just call his insurance company to file the claim, as they would be paying for everything. So I did, and they sent out the adjuster to assess the damages (basically scratches) and said they will be sending me a check based on the adjusters findings. So... what if when I go to get it fixed it costs more, or what if they find out something is bent or jacked up underneath? Can I go back and ask for more money if that happens?"


**Pros and Cons of South America?**?
Just wanted to gather some opinions on Latin America, I wanted to travel there and wanted to know some more info about it. Any pros/cons? For instance I heard the people are far friendlier and women more outgoing and friendly. But I also heard living conditions are poor, which is bad IF YOU LIVE THERE. Any opinions/experience? PS. I am in Canada atm and see a huge difference between people here and the rest of the world."


How Much is Insurance/Tax For Fiat Cinquecento?
hello , I am pondering around for a first car and i have come across a nice little beginners one , I am not driving yet , but i do plan on getting this fiat , i was just wondering how much is tax for the car (Per year) and how much would it cost to insure a beginner in Ireland , thanks for any help!"


Inexspensive insurance for a first time under 21 car buyer?
I'm 18, plan on purchasing a car soon. Honestly, which car I purchase is based off my monthly insurance payment. Im young & back in November I recieved my first speeding ticket, I paid it instead of going to court.. Worst choice ever. Anyways, Does anybody know good cheap insurance for a driver like myself? Below are a list of cars that are on my list.. 1. 2004 BMW 745LI 2. 2002-2003 BMW M3 3. 2004-2005 Audi A8L 4. 2007 Jeep Wrangler (4-Door) Please help. Thanks!"


Motorcycles and insurance?
right now i have a bull blast and i want to upgrade to a faster bike that is better above 60 mph and riding 2 up. the problem for me is that i am 19 and insurance for me with the little buell is 200/yr. i want to get a gsxr 600 or a 600 ss but they are over 600/yr and thats too much. the only bikes that are still in the lower insurance bracket is a ninja 500 and 650 or an sv650. are there any other bikes that are cheap on insurance? or what are your opinions on these bikes?


Firebird insurance question easy best answer?
Im 16 years old with a 2.2 gpa and liberty mutual insurance... Uhh I am getting a 96 firebird with ttops and it is red... Can anyone find out about how much my insurance would be?


How can I get dental and medical insurance?
I turned 18 back in 2011 and now I'm not on my mom's dental or medical insurance. How do I get dental and medical coverage?


Affordable health insurance?
I need to find health insurance that I can get pretty soon? Mostly looking for dental.I have a lot of work to get done on my teeth. I work 32 hrs a week,and make 9.25hr not bad but really hard to pay bills,and afford dental on that. Any ideas on what health insurance is best? *I live in oklahoma."


What will my insurance do?
So the other day a car slammed on their brakes and I hit their bumper. It was a Mercury Sable.Not sure the year right now...prob 98-02. It was a young girl and her 4 friends. They were obviously under the influence of weed. They of course did not want to call the cops. I said ok because I did not want a ticket or my ins rates to go up. We exchanged names and numbers. She called and my husband and I arranged that we would pay for half of the damages. Today she called and said her estimate was $870!! I only cracked her bumper...what should I do? Can I still file a police report? What will my insurance do if I go through them now?Thanks!!


"Property Theft Claim, Insurance is taking forever?"
Thank you to the other contributors, other than the one mentioned above. I also work in insurance, but it's Underwriting, and I've never dealt with claims personally or professionaly. We're told and held to a very strict timeframe, and the adjuster from my company told me that he's required to respond to phone calls, and close claims within 30 days whenever possible. Maybe I'm wrong in holding another adjuter to that standard. And maybe it's just ticking me off that he's not even emailing me a quick reply with the progress. Correct me if I'm wrong, but I'm the customer of that company, and a little upset that I have NO IDEA what my status is, but I've had to run all over and provide all sorts of papers, and research prices, etc."


Can the auto insurance company pay me directly and not pay body repair shop?
So about 3 weeks ago some guy backed into my car and it was his fault... His insurance company said take my car to a body shop repair and they will pay the repair shop only.. I wanna take my car to different shops and get few estimates and have the insurance company pay me.. I wanna decide weather to fix the car or keep the cash (maybe sell my car and get a better one)... It's my car and I have the title for it.. Why should the damn insurance company control what to do with own my car or control how the repair process goes!!! it's a 1995 nissan 240sx... Please tell me if I can make the insurance company to write me a check. thanks!


"Can anybody suggest an affordable health insurance company for a low income, young man?"
I would really like to have the ability to go to the doctor when I need. But, I can't seem to see the necessity of having health insurance. Being it so expensive, and that I so rarely need to seek medical attention. On the other hand, the clinic in town will not schedule appointments for anyone without insurance. I would like to be more concious about my physiological self with the advice of a medical practitioner. But, not at the cost of hundreds of dollars a month, which I can't afford. Its just not in the cards. HELP!"


Court for No Auto Insurance.?
On the back of my ticket under the insurance box it says when I appear in court I have to show proof of insurance or my license will be suspended. I didn't have insurance when I got the ticket because I was driving the car home as I just bought it today. -.- what I'm wondering is since I have insurance now (hours after receiving the ticket) once I show it in court will the judge likely still suspend my license? I'm a first time offender, as I just got my license."


Who accepts lahc health insurance?
Who accepts lahc health insurance?


"In search of a home insurance company that does not cost an arm and a leg (or better yet, a whole body, lol!) that has good customer servic?"
In search of a home insurance company that does not cost an arm and a leg (or better yet, a whole body, lol!) that has good customer servic?"


print a pennsylvania insurance license