Comments for Your Auto Insurance Questions

Comment on Found a Great Auto Insurance Site With Free Quotes by JudyT1961

JudyT1961 — Thu, 11 Mar 2010 01:25:56 +0000

Just what I’ve been looking for. My car insurance was unreal, this site saved me $546 and it was so easy to do. Thanks! (One tip though, get more than one quote. My 3rd quote was the one that saved me a ton : )

Comment on Has anyone had personal experience with Progressive Auto Insurance? by la428282

la428282 — Wed, 10 Mar 2010 11:36:41 +0000

Picking one of the largest companies is always good. Plus, they are very fast with thier claims service and its not impossible to get in hold with your adjuster (some companies it seems you can NEVER reach them!)

Comment on Has anyone had personal experience with Progressive Auto Insurance? by quiteunique7

quiteunique7 — Wed, 10 Mar 2010 05:16:29 +0000

There all the same. you’re going to get screwed. So you might as well get the lowest price.

Comment on I canceled my auto insurance policy mid month how long wil it take for them to reimburse the prorated premium? by Randy

Randy — Wed, 10 Mar 2010 04:20:39 +0000

You are better of comparing different insurance companies to get the best rate. You can check out if you want

Comment on Can anyone answer my question about my auto insurance policy? by AD

AD — Tue, 09 Mar 2010 21:37:03 +0000

Apparently your insurance company was not able to get the claim with the other party settled and the other party elected to file a law suit.

If it was a minor accident – the other person may have gotten a bit crazy with the medical treatment and run up a bunch of bills that your insurance company does not think are related to this accident.

The other person can not sue the insurance company. The law suit can not read “John Doe vs. XYZ Insurance Company”. The law suit has to be filed against you since you are the negligent party. You are the one who caused the damage/injuries.

The law suit also has to be served on you – not the insurance company. This is usually done by process server or certified mail. As soon as you get the suit papers -call the person who wrote you the letter – ASAP! The insurance company has a limited time to get an answer on file and the clock starts when you get the papers. Failure to get the answer in on time results in a default judgement against you (not good for you).

The insurance company will need to know when you got the papers and how. They will need the original papers but can give you a copy for your records.

Your insurance company will hire an attorney to defend you.

You can choose to hire an attny of your own at your own expense but you don’t need to. The defense attny that your insurance company will hire will be very competent.

You will need to cooperate with the insurance company and the defense attny. They will need to get information from you to answer the law suit. At some point, depositions will be taken and mediation may even happen. Very few lawsuits go to trial.

Most likley – the adjuster sent you the letter to give you a heads up that suit papers may be coming. I send those letters out when the plaintiff attny is really yelling threatening suit. The adjuster expects that the letter will prompt you to call them.

So call the adjuster – he/she will be able to give you more detail on what’s happening and how they will handle it.

Comment on Can anyone answer my question about my auto insurance policy? by Eddie J

Eddie J — Tue, 09 Mar 2010 09:50:32 +0000

If your ins. comp. is a reputable one, they have to notify you of any activity concerning your policy. They will consequently “go to bat” for you when it comes to lawyers and court hearings. So it would be best for you to contact your agent Whit any questions concerning this matter. As I stated, if your insurance carrier is reputable, you should not have to worry. You may find that the statute of limitations has expired depending on your state or country which you reside.

Comment on Do i need auto insurance to rent car through Hertz? by BestYahooAnswers

BestYahooAnswers — Tue, 09 Mar 2010 09:49:23 +0000

i don’t think that they might charge some thing special for their insurance. Anyway the fee would be for all.For fuel, driver, insurance ad for other expenses too.

Anyway its better to ask from them directly.otherwise you will get in to a huge problem as you thinks like this.all the bets.

Comment on Do i need auto insurance to rent car through Hertz? by Suri

Suri — Tue, 09 Mar 2010 07:27:25 +0000

You can check for details.

Comment on Can anyone answer my question about my auto insurance policy? by la428282

la428282 — Mon, 08 Mar 2010 19:55:14 +0000

Um.. clearly you didnt have enough coverage.

Lets say you choose state minimum coverages (lets just pretend your states minimum are 10k for property damage.. and 10k for bodily injury) If you choose state minimum.. you put yourself in this situation and there is only so much insurance can do.

If there damages were 15k for their car.. insurance will pay the 10k.. and you will be responsible for the rest.

If there medical bills etc were 25k…. and your insurance paid 10k.. your responsible for the rest.

Understand now? IF you have really high coverages… and your insurance SHOULD be covering you.. maybe they dont know your being sued. call them asap and they will defend you to the best of their ability.

Comment on Has anyone had personal experience with Progressive Auto Insurance? by Pato Bermudez

Pato Bermudez — Mon, 08 Mar 2010 17:59:21 +0000

According to a friend whose cars are insured through Progressive, it’s a decent company, and they have actual people (not recordings) answer your calls when you have a question or concern. I use Mercury, it’s cheap but it’s a hassle dealing with them. It’s almost impossible to talk to a real human being when you have an issue.