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Insurance & Registration

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  • 10
    Upvotes of all answers to this question

    Whiplash claim?

    I was a car accident and did not seek medical attention I now believe I suffered from minor whiplash during the incident . I recorded the conversation me and the at fault driver and at the end she asks me if I’m okay and I reply no I have a horrible migraine. If this enough for the claim? Can I tell their insurance to add a whiplash claim or do I have to sue for that? She was also already determined to be at fault FYI. Another worry is that they will total out my car and not give me enough to replace it with a car since my current car value was low since it’s old. 

    11 Answers4 days ago
  • 1
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    how drave car to?

    how learn drave car?drave car necesary for going to work but how to?

    4 Answers8 hours ago
  • 14
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    Can you buy your vehicle back from the insurance company if your vehicle is totaled?

    I was in a car accident last Sunday and my car was appraised today.  There is a chance that my vehicle may be totaled.  My boss and one of my co-workers said that if the insurance company makes that decision I can use that money to buy back the car for next to nothing and use the rest of the settlement to pay for repairs.  I have never heard of such a thing before, has anyone else heard of this practice?  Better yet has anyone actually done this?  I hope someone can give me some perspective here.

    8 Answers4 days ago
  • 2
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  • 6
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    Should I get a lawyer for a car accident in which my parked car was hit?

    My car was hit and totaled because of an accident between 2 other cars (a total of 4 cars was affected 2 were parked). Right now insurance is in the process of figuring out which of the 2 cars will take liability. Insurance will not cover my rental they want me to pay out of pocket now so I can be reimbursed but I don’t have $$ for a rental. I feel as if I shouldn’t have to pay for anything since my car was totaled when I had nothing to do with the accident. Should I get a lawyer and sue or just take the payout from the insurance? Also, how am I going to buy a new car if the insurance only pays for my car loan ? Mind y’all.... this is my first car I literally just got it not even a month ago .... are they expecting me to get another down payment for another car when I just did all that for the car the totaled ? Someone plssss help this is overwhelming af ! 

    8 Answers4 days ago
  • 6
    Upvotes of all answers to this question

    Do I have a rights to change accident claims reports results a month later?

    Favourite answer:

    Even if the camera was damaged, the microSD card it records onto was still perfectly good.

    Unless there were criminal charges or injury claims, nobody other than you will now want to go through the costly process of reopening the investigation.

    If the footage shows a “crash for cash” scam where the car ahead of you had no working brake lights or even where it reversed into you if you stopped in time without colliding then that’s a totally different matter and police and insurers WILL be interested.

    5 Answers3 days ago
  • 10
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    Who is at fault for this accident that was a set-up?

    I'm waiting at the stop sign to make a left turn. A car coming from the right with no stop sign slows down and waves at you to go ahead and when you are making the turn, he accelerates and smashes into you on purpose.

    6 Answers4 days ago
  • 18
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  • 7
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    What can I do if kids scratched my car?

    I live in an apartment complex and my neighbors daughter brings all the kids from the street to play in the backyard and the front area where all the cars are parked. A few weeks ago I noticed 2 long, deep scratches on the drivers side. I asked her mom to tell her daughter and her friends to not be playing around the cars. The lady got defensive and said the kids can play wherever they want. The next day I find 2 more scratches on the passenger side. I left it alone because I had no proof. A few days later I hear my other neighbor talking to the lady about his car being scratched too, again the lady told him the same thing. Then the next day I see my neighbor from downstairs working on his car and asks me about the scratches on my car because he’s parked next to me and had scratches on his car as well on both sides! My moms car was also scratched on both sides. What can we do? I called the police and they just said to call our insurance but we still have to pay for the deductible 😒

    7 Answers5 days ago
  • 15
    Upvotes of all answers to this question

    How much will icbc pay me? ?

    Favourite answer:

    OK, so did you take out ICBC's 'Autoplan', or did you buy a more comprehensive package?  If the third party driver has accepted full liability, it should be his insurer that pays for your loss, and ICBC might make up the difference between what the other insurer pays, and what your vehicle was actually worth. However, if the accident occurred in BC, and the other driver was local, the chances are you will both be insured by ICBC, so what you get will depend strictly on what sort of cover you purchased.

    6 Answers5 days ago
  • 1
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    If I was injured in a car accident, but the other people in my car were not, will that reduce my settlement amount?

    I was recently in a car accident.  The other driver was at fault.  I was injured, but my passengers were not.  Will this call the severity of my injuries into question, in the mind of the other driver's insurance company?

       

    I did not need to be hospitalized (just went to the ER, and not by ambulance), I was conscious after the accident, and the police report says no injuries to any parties.  Will the insurance company use this to diminish the severity of my injuries?

    4 Answers3 days ago
  • 0
    Upvotes of all answers to this question

    How do car insurance payouts work?

    Curious as to how this all works.  If I get into an accident for which someone else is at fault, I understand that insurance companies make an initial offer, and if I accept it, I sign a release, and that means I can't sue the insurance company or other driver for more.

       

    So my first question is this:  How soon does the insurance company make the initial offer?  Do they wait to see if medical bills accumulate?  Or do they estimate it quickly based on initial medical bills?   But what if the damages exceed the other driver's coverage?  I imagine the insurance company will offer the full extent of the other driver's coverage, but do I have to sign a release saying that I will not sue the other driver for more?  Or does it just mean I can't sue the insurance company, but I can sue the other driver for the amount that the insurance company did not cover?   What about uninsured motorist coverage?  I have $25k of that.  Do I have to exhaust that before suing the other driver?   I imagine some of my answers will depend on the extent of injuries.  So assume the following:  No overnight hospitalization, no broken bones, no permanent disability as a result of the crash, and no surgery, but I did go to the ER without an ambulance.   

    4 Answers3 days ago
  • 20
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    Could this accident potentially exceed my bodily injury coverage?

    I rear ended someone 3 weeks ago.  I reacted too late (yeah, I know...).

       

    There were 2 people in the car that I hit - a couple in their mid-40s.  

       

    The accident was enough to cause major damage to both cars to the point where they weren't drivable, but we all got out of the accident seemingly uninjured.  The police officer who came to the scene offered to call an ambulance, but they declined.

       

    I had some minor whiplash issues in the few days after the accident, but it seems to have dissipated.  I found out that the passenger of the other car was injured, but the driver did not report any injuries.

       

    So my questions are as follows:

       

    1.  If the passenger was injured, but the driver was not, does that mean it is unlikely that the passenger's injuries were serious?  I hit them from behind, so the passenger was not any closer to the exact point of the crash than the driver was.

       

    2.  Given that the passenger did not appear injured, and that the driver wasn't injured, how likely is the passenger's injury to exceed my coverage of $25k?

       

    NOTE:  I do not want to hear a lecture about how I should drive more carefully.  I know....I also know I should have a higher BI coverage, but here we are....

    9 Answers6 days ago
  • 8
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    Who is at fault, I did the correct steps of zip merging but this old lady refused to let me in and rear-ended me?

    On the I-84, there were construction workers who blocked one lane of traffic. In my state, zip merging is required when something obstructs one lane. This video best explains what zip merging is: https://www.youtube.com/watch?v=cX0I8OdK7Tk

    There was heavy traffic, and this rude 61-year-old lady refused to let me in and she hit my rear. The got in front of her merged to the car in front of me so she is required to let me in but I honked and yelled at me to learn when I should merge. 

    11 Answers1 week ago
  • 4
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    Is it weird that you can get your driver's license without a road test in my state?

    This means you can pass your computerized exam and get a DL without ever having been behind the steering wheel. I literally have never driven before, but I have a DL.

    4 Answers4 days ago
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  • 68
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    How can I learn to drive in 2 days?

    I need to go on a 600 mile journey two days from now to see my friend, but I have never driven a car before and I don't have a license. So now I need to learn quickly in 2 days, hopefully less. If I can learn in even an hour that would be amazing. 

    Did you learn in a parking lot? Do you have a PDF I can read? 

    Thank you in advance

    18 Answers2 weeks ago
  • 10
    Upvotes of all answers to this question

    I cancelled my car insurance early but I was paying monthly.. what happens if I just ignore the company now ? I have £800 left to pay but ?

    But I’m having money problems .. if I can ignore them for a while what happens ?

    11 Answers1 week ago
  • 8
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  • 7
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