I rear-ended someone who does not have insurance?

I rear-ended someone who does not have insurance?

So i was on the freeway and the person in front of me slammed on their brakes and i ended up rear ending them for not breaking in time going about 40. My car is a lincoln aviator which recieved no damages and their nissan bumper was smushed. When exchanging information, he called his wife and later asked me if i can say that his wife was driving instead of him because he does not have insurance, it is his wifes car. I am not going to lie to my insurance and say that she was driving when he was, and i already made the claim, but i was wondering what happens in a situation like this? I have liability insurance, and his wife called me several times and texted me her insurance info and DL thinking that im going to say she was driving. She also told me that she is going to need a rental so she can go to work, but should i pay for that or have her call my insurance? Anyhing else i should do? When chp came up to us on the freeway, the guy i hit told chp we didnt need his help because we already got each others info. Not sure if its because he didnt have insurance but it wasnt reported because of that.

 

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Is regular insurance better than repricing when you ned to have surgery and the condition is considered preexisting?

 

 

Should i sue my auto insurance company?

On the morning of Sept 14, 2011 my sister woke me up at home asking me where my car was. I went outside to discover my vehicle was gone. So I call the police to come and take a report but of course there wasn't enough officers on duty to send one out so I wake up my brother to get a ride to the station. Keep in mind this is between 2:30-5:00am and the last time I actually saw my car was Sept 13, 2011 at approx 11pm. I arrive at the police station where I make a report, they take down all the info and send me home with the report. Approx 1 hour later they call me and say my vehicle was recovered in a nearby city and they gave me the number to that police station. So I hurry to call them but of course they were closed until 8am. At 8am I call them they said bring my ID and insurance info to recover the vehicle. I go down there and ask questions but they told me they weren't allowed to disclose any information about who, what, were, or when the incident occurred because of confidentiality. They told me I would have to pay the towing and storage fee to recover my car from the impound. So I left and went to the impound paid $218.00 to discover that my vehicle had been totaled. So I had it towed to my house where I called the insurance company to report this. After I reported this incident they took a recorded statement and gave me a claim number. I waited for 2days for my adjuster to call me back and he never did. about 2 weeks later my adjuster calls and leaves me a message saying he needed another recorded statement and to call him back. I call back and got his voice mail. I spoke to one of his colleagues and they said they would send him and his manager a memo to call me back..well that never happened. 1 week after that I get a packet in the mail asking for my cell phone records, keys to the vehicle, and a notarized affidavit. I sent these things back and then a detective from the insurance company calls me and said there were red flags and he needed to get a video recorded statement. I agreed and went to give the statement. A few days later a detective from the police department where my car was recovered from calls me and tells me that my youngest son's father was with some friends at a nightclub were a drive-by shooting occurred and my son's father wasn't shot but the young man he was with was and as a result of them trying to escape the scene my car was crashed. As they arrived to the scene and asked questions about what happened my son's father would not admit he was driving the vehicle, and because they didn't actually see him driving or pull him over they could not prosecute. The detective asked me did I know anything about this incident and I replied hell no! The night of the incident my son's father had came to my house around 3am but never mentioned anything of course because he knows I would have tried to kill him. He also knows I would have been pissed because I never let him drive my car for the 3 years that I have known him, he has never had a license. She ask me was it ok to list him as a suspect and I told her Yes! I let her know that he did not have permission to drive my car under any circumstances. The very next day the detective from the insurance company called me and ask me what was my son's father name and what where the numbers that where called on my cell phone records. He asked why did he call me at 2:54am, I explained he wanted to let me know he was on his way over which wasn't out of the ordinary for him to do. So then the detective tells me my story stinks and I need to withdraw my claim because on my interview I didn't disclose that my boyfriend had come to my house. I told him why did I need to disclose who was sleeping in my bed if it had nothing to do with my car. I mean we know now he had something to do with it but I didn't know then. He told me the police detective also had the keys to my car which was a lie. It clearly states on the impound record that they had no keys. Not to mention the car has broken locks and loose wires I guess he didn't read that part of the report. He also told me I was trying to cover for my son's dad to get the car covered. I told him he could arrest him for GTA for all I care. My car was stolen and no matter who stole it I'm the victim and of course I want my car covered. He then said he was denying the claim and sending the case to the Department of Insurance to see if fraud was committed. Im beyond frustrated because I have nothing to do with what my son's dad did. Should I sue?

 

 

For my first car I'm thinking about getting a 1983 Mazda RX-7 but what is the cost of insurance?

I really need to now because I found one cheap....please I need help!

 

 

1968 ford torino gt fastback insurance rates ~ 10 pts!!?

I was recently doing some quotes...I keep getting around $981*ish 6 month premium. I don't know, it's not that I couldn't afford that in the future it's that I'm hoping I can get it a bit cheaper...being that I drive 4 miles to school, will only drive it less then 2500 miles a year! 5 days a week. I don't qualify for hagerty, or any of those classic car Insurance Co.'s. I'm not sure, I guess if i talked to a real agent you think it'd decrease a bit? Because I have a junk car that I'll be using for winter and really cold days, my dads car :p. By the way the insurance company was PROGRESSIVE. I tried many other, they where all higher. Why was it when I tried other cars they skyrocketed past $900, like seriously, I tried a 1996 Honda it went from $900 to $1100!? I'm not sure if it's a messed up quote or what, haha. P.S. all this from it going from X amount to X amount that's all 6 month not 1 month.

 

 

How do you justify an insurance company raising rates by 39% for individual policies?

California insurance regulators asked Anthem Blue Cross to delay controversial rate increases of as much as 39% for individual policies, hikes that have triggered widespread criticism from subscribers and brokers -- and now from the federal government. In a rare step, the Obama administration called on California's largest for-profit insurer to justify its rate hikes, saying the increases were alarming at a time when subscribers face skyrocketing healthcare costs. http://www.latimes.com/business/la-fi-anthem-obama9-2010feb09,0,4384044.story

 

 

How much car insurance will rise after an aciddent?

I'm 23 years old, and currently paying $100 per month on my car insurance. But earlier today I crash into the guard rail by mistake. I have a clean driving (no ticket ever) record with only 4 other accident prior to it. I guess my car would take maybe $1000 to fix but I'm not sure how much my insurance rate will increase. I'm thinking that if I were to pay for the entire damage instead of paying a $500 deduction would not increase my rate.

 

 

Bussiness liability Insurance state of ga?

Looking to purchase INS. For a company that goes to car dealerships and performs work on the cars on the dealers lot . If a car has cloth they would switch it out for leather (pre made kit). No emp. Only owner. How much do we need ? Where do you buy it ? THANKS

 

 

How does a new independent insurance agent get appointed/chartered by insurance carriers?

I'm starting a new independent insurance agency in NJ and foresee difficulty getting appointed/chartered by insurance carriers. Can anyone confirm this to true? Also, if this is the case are there any other options for a new agent? I've heard of 'brokers' that will fill this void and have access to many carrier however they keep 33% of the commissions. Any other options for new agents that anyone might be aware of? - Thanks a lot for any input!

 

 

How does a new independent insurance agent get appointed/chartered by insurance carriers?

I'm starting a new independent insurance agency in NJ and foresee difficulty getting appointed/chartered by insurance carriers. Can anyone confirm this to true? Also, if this is the case are there any other options for a new agent? I've heard of 'brokers' that will fill this void and have access to many carrier however they keep 33% of the commissions. Any other options for new agents that anyone might be aware of? - Thanks a lot for any input!

 

 

How can I get prenatal insurance?

I live in Iowa and I am pregant my bday is in four days il be 18. I don't have health insurance I live with my bf. I could marry him and have insurance but I want to explore all options but I need. Health insurance what all can I do?

 

 

Getting car insurance for 17 year old... True or False?

Hi, i am 17 in just over 2 weeks, and looking at car insurance i am shocked.. Cheapest i have found is 4900 fully comp on a vauxhall corsa (1L), and all other cars are over 5k which is like a grand over the price of the cars. This is a bit pricey seeing as im not going to be using me car at all during the week when at school, but some weekends i will, but my parents are just saying i gotta accept its expensive and they dont mind paying. Anyway i heard today that if your dad owned his own business (which mine does) then you could get car insurance for like 1k on pretty much any standard car, is this true? Im the oldest sibling and therefore my parents dont really know much about getting good car insurance quotes, i know more than them tbh, so does anyone know anything about this way of insuring? Thanks for any help, been looking at black boxes too btw, dont know if i want to risk it. No rubbish comments about how im rich or whatever please. Thanks

 

 

2003 Mustang GT insurance cost?

I am looking at a 2003 Mustang GT with 93k miles on it. I am a 16 year old boy and we are looking to add this to my parent's current policy. I have good grades, we will have multiple cars and home insurance with the same company. Any idea on an approximate cost per month for insurance on this car?

 

 

Both me and my sister are new drivers. Would it be cheaper to get joint or separate car insurance policies?

We are planning to buy a car together and are looking to reduce insurance costs. Also, since i have already passed my driving test and she is yet to do so, would i get charged more for getting a single policy and then adding her onto it later when she finally passes. Or would this final sum amount to the same?

 

 

California motorcycle/moped laws?

Hello, I'm moving to california from florida in a month to start college, and I intend to sell my car here and get a moped or a motorcycle over there instead to save a little money. I don't know the laws on motorcycles there? i know in florida if its less than 50cc you don't need a motorcycle license or insurance. what about california? if you need insurance how much $/year are we talking? I don't know squat about motorcycles and I've never even rode one or understood the whole gears thing. if someone could recommend a few brands or even whether to get a motorcycle or a moped/scooter (is there a diff?) i have a tight budget (1-1.5K) any advice would be awesome!!!! <3

 

 

How good is Delta Dental Insurance and is it worth it?

My mom is out of work and needs to have some dental work done. I was thinking to get her a Delta Dental Insurance in the hopes that it will help her. If you currently have this insurance or had it in the past, could you please tell me if it's worth it. Thanks.

 

 

How much is average car insurance 4 a 17/18 year old?

How much is average car insurance 4 a 17/18 year old?

 

 

Motorcycle Insurance?

My father has his own motorcycle. I just got my motorcycle permit. Am I legally allowed to drive it (following the rules of my permit, of course) although the insurance is in his name? State: New Jersey

 

 

What are some good, reliable cars that don't have super high insurance?

I'm 18, responsible driver, clean record which will stay clean. Looking for another car still. Will almost positively be under 2005 and not a sporty one. I was looking into Acura Integra. But, kinda like maybe something like a Jeep Liberty (if insurance isn't high!) I will be on my parents insurance and both of them have clean records so that should lower it anyways. Would Audi A4 or a Suzuki or Kia sedan be fairly cheap?

 

 

How much does your car insurance cost?

How much does your car insurance cost?

 

 

How much is the fine when a cop pull you over and dont have licence,insurance and tags!?

My uncle got pull over by a cop and gave him a fine without taking his car away(he got lucky) he didnt have a license or insurance and somebody stole his tag! he's not a resident or a citizen somebody know how much is that fine????he still have to go court but i wonder how much is going to be????

 

I rear-ended someone who does not have insurance?

So i was on the freeway and the person in front of me slammed on their brakes and i ended up rear ending them for not breaking in time going about 40. My car is a lincoln aviator which recieved no damages and their nissan bumper was smushed. When exchanging information, he called his wife and later asked me if i can say that his wife was driving instead of him because he does not have insurance, it is his wifes car. I am not going to lie to my insurance and say that she was driving when he was, and i already made the claim, but i was wondering what happens in a situation like this? I have liability insurance, and his wife called me several times and texted me her insurance info and DL thinking that im going to say she was driving. She also told me that she is going to need a rental so she can go to work, but should i pay for that or have her call my insurance? Anyhing else i should do? When chp came up to us on the freeway, the guy i hit told chp we didnt need his help because we already got each others info. Not sure if its because he didnt have insurance but it wasnt reported because of that.

https://www.linkedin.com/pulse/car-insurance-your-parents-policy-russell-elliott/