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What are the options if the other drivers insurance wants to total your car?
Wiki User
∙ 18y ago
Take what they offer you, or buy back car from them, and take a discounted amount of what they offer you. I would check and find out what fair market value of vehicle is before settling, but adjusters usually are pretty good about using Kelly blue Book,,etc... You usually will be given two options. Take the offer of the insurance company and let them keep the vehicle or take a lower pay off and you keep your own vehicle. If you had collision coverage on your own vehicle at the time of the accident you may be able to file a claim under your own policy in hopes of a better result. As a last option you can contact your states insurance department for help. If you think the offer that you are getting is too low then you will need to provide evidence that your car was worth more than the offer. Be aware that the advertised prices on vehicles is not what they are selling for and insurance companies use databases that tell them what that actual average sales prices are on vehicles. This is what they are basing their offer on most likely.
Wiki User
∙ 18y ago
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Three Tips on Getting Cheap Auto Insurance in Pennsylvania?
Pennsylvania drivers should know that under the laws of the state, they must have auto insurance. Pennsylvania is different from other states because it does not require liability coverage, but only First Parties Benefits. The old name for this term was Personal Injury Protection because it refers to injuries of person(s) involved in the accident. The law requires that drivers have at least $5,000 in Personal Injury Protection insurance. Drivers must also have $30,000 insurance for accidents and $5,000 insurance towards personal property. Buying insurance in Pennsylvania is sometimes expensive, but drivers can save money on their total insurance costs.Eliminate Unnecessary CostsOne of the easiest ways to lower your auto insurance costs is by looking for costs added onto your bill. Go through your bill with a fine tooth comb and find things added to the bill that you no longer need. You might find that you are still paying for insurance on a driver who now has his own insurance, or that you are paying for coverage on a vehicle you no longer own. If you never notified your insurance provider of changes to your policy, the insurance company will continue charging you.Make One PaymentMost drivers do not realize that their premiums are simply a portion of the total insurance policy. For example, you pay $100 every month to reach a total of $1,200 in coverage for the entire year. Contact your insurance provider and ask for a discount if you make the total payment upfront. Some insurance providers offer discounts and lower insurance rates if you make more than the minimum payment. Even if you pay off your premium in six months instead of 12, you can sometimes save money.Get DiscountsMost insurance companies offer discounts, but you can only learn about those discounts by contacting your provider. Some offer reduced premiums for drivers that do not have an accident for a specified length of time and others offer discounts for student drivers. Those in high school or college can often get cheaper insurance. Cheap insurance is also available for military men, those that work in government jobs and for those working in other professions.
What is the fine for driving without insurance in Texas?
The fines and associated punitive fees for driving without insurance are determined by your jurisdiction. In Texas total fines and associated fees including Drivers License Re-instatement fees total just over $900.00
Is there any new jersey car insurance for drivers with dui?
You can get a normal insurance policy if you have been convicted of DUI in New Jersey. You however, will also be charged a surcharge of $1000 a year for a total of 3 years.
How much is car insurance in GA for new drivers?
The Office of Insurance and Safety for Georgia (http://www.gainsurance.org/ConsumerService/RateComparisons-Auto.aspx)offers a great tool to assist drivers who are seeking detailed information about various coverage types, and the costs associated with each option. The rates for new drivers will vary significantly based on many factors. The age of the driver, type of car, and type of coverage desired will all be factors that influence the total cost of a new insurance policy.
What types of car insurance can you have in Florida?
Florida, like all other state, has set minimum coverage requirements for drivers. This applies to vehicles that are not financed. If the vehicle is financed, additional coverage is required by the state and the lender to cover the value that is financed so that the lender is paid in the event the vehicle is a total loss. You can read about Florida state law regarding insurance here: www.flhsmv.gov/ddl/frfaqgen.html The rate depends on various factors, so your best bet is to contact your current agent to explore your options.
What do you do if you get a ticket for no insurance in Texas?
First Pay the Ticket. Then Pay for the Insurance that you were supposed to have. Then Pay for an Sr22 Filing fee so your Drivers License does not get suspended. Then you pay the state an extra hundred dollars a year for the next few years if you wanna keep the drivers license. Fines and fees total around a thousand dollars right now.
Can lender reposses car or lack of insurance?
Yes, if you don't have full coverage insurance the collateral is in jeopardy. In other words if you were to total your car the lender has no collateral.
Difference between insurance density and insurance penetration?
Insurance penetration is calculated as the ratio pf the percentage of total insurance premiums (in US dollars) to gross domestic product. Insurance density is calculated as the ratio of total insurance premiums (in US dollars) to total population.
What are your options if the at fault drivers insurance company does not want to total your vehicle?
There can be a lot of variables. But basically if you are close just push them to do it. I had a car that was totaled by my estimate but their adjuster came out & said no way. I asked how he came to that conclusion & I showed him my blue book & it was clsoe enough for him to go ahead & total it. But we were only about $600 apart. Were there injuries? If they still insist on not totaling your car you can always call your insirance company & have one of your adjustors come out & take a look at it.
Who determines if a vehicle is totaled?
the insurance company- if the vehicle is damaged more then it is worth- it is considered a "total lose" you will get what the car is worth at the time of the accident-not the total value of the car-other pendings vary like full compensation insurance
If we're not at fault and the insurance decides to total our car do we have a right to a rental car until we get the money?
It would depend on your insurance agreement. Some policies include free rental car in cases of accident, others don't. On some policies you can choose it as one of your options.
Are you responsible for the deductible on the insurance of the car you hit if you do not have insurance?
If you were legally at fault, you are responsible to pay all damages to other vehicle. Even if you pay the other persons deductible, that insurance co. will come after you for total amount. The person that you gave the money to for their deductible will then have to give some of that back to insurance co., if they find out that deductible was given to him (her) by you.
