Car accident with no insurance?

I was stopped at a red light behind two cars. Both cars started to go and so did I the next thing I knew I had hit the car in front of me. The car in front of me hit the car in front of him. We all pulled over my car isnt to bad but I drive a suburban, the car in front of me was a smaller car so his looked a little worse. Nobody was hurt, and all cars were drivable, so we decided to not call the police we just all exchanged information. After we had finished and they left I immediately called my insurance lady to let her know what happened. I am not super clear on this next part, we have been going back and forth with our insurance since that call and will continue to fight it. When I called the insurance lady she said I wasnt covered. She said that they had received the last payment much later than it was due (not sure how because it was mailed the same time as always) but because of that our insurance had been cancelled. A couple of weeks ago they had chased our check, she said we were reinstated as of yesterday (the day of the accident) but because it was the same day they werent liable to pay the damages. We are going to keep fighting them because I dont think its fair. Even if they decide that they wont pay we can afford to just pay for the damages to the rear end of the car in front of us, because know matter what happened I am at fault for following to close. We cant afford to pay out of our pocket also for his front end and the rear end of the first car. Shouldnt those damages be covered by the car I hit because he was obviously following to close to the car in front of him? Im a little freaked out with all this, this is the first accident I have ever been in and we have always had insurance, so we thought. The insurance company did say they mailed us a cancellation notice but if they did we have never received one.

BEST ANSWER: Try this site where you can compare quotes:salecarinsurance.xyz

RELATED QUESTIONS:

Car Insurance! I dont get it!?

I dont understand how it works, i have looked online for some quotes for a Proton Persona 1996, insurance group 12 and i get these results. Annual Premium 1800 total excess 250 ...show more

Ways to lower my insurance rate?

Hey, Im in highschool at the moment and im not reaching my car dilemma Im a male at the age of 16 (not looked well upon by insurance companies I hear) and I am insured by Statefarm. I was wondering if someone could help me out by telling me how i could lower my monthly insurance rate. The car im getting has side airbags and good crash test ratings, and im going to be adding mods to it (either rsx type-s or volkswagon golf gti) and i would most likely be installing rollover bars. Would this help my insurance rate go down? What other steps could I take? Thank you!

Can I get onto my parents insurance?

I don't have a car yet but i want to buy one in a year... I was wondering if I could join my parents insurance and if yes how much do you think ill have to pay monthly (Progressive) for a '65 Chevy C10 Custom?

How is 18yr old meant to get car insurance?

I live in London and passed my test in February. I own Renault Clio 1.2 And the cheapest quote i got so far is 305 pounds per month, which is way too much for me. What companies are cheap? What can i do to start driving legally, searching for insurance is frustrating Dont say price comparison websites they suck cheapest quote there was 8k per year

My friend has no car insurance..?

He was driving and its raining outside so the street is slippery. He braked and avoid hitting anyone but it didn't help. He has no car insurance and just hit a car right now. What happens when you have no car insurance and you hit someone's car? I don't think the person will sue, but will my friend have to pay damages and a ticket? Any jail time or suspended license? Anyone experienced that? I know its illegal to be driving without insurance. This is in Florida. Help me out with some good advice or suggestions. Thanks.

How long does insurance company have to respond to a claim?

Was in wreck w/semi-truck in Oct.. Driver took pic of wreck and brought back w/him. His insurance will not respond to lawyer. How long to they have to respond. If anyone knows, about average amount a trucking company will pay. They found out I have nerve damage to right leg-may not ever be able to return too work. Thanks for any input.

Buyer wants to buy my car but has no driver license & insurance?

Hello, I listed my car on craiglist a week ago and now just got a buyer who wants to buy it. The problem is this person has no driver license and proof of insurance. He's only 19 years old. I have the pink slip with me and also written a bill of sale. What should I do? I don't want to be liable if this buyer gets into car accident or traffic tickets. I was told to remove the license plates and notify the DMV ASAP. I'm from California by the way. Thanks

How much do insurance adjusters cost?

I am fighting with my insurance company regarding fixing my motor on my boat. The insurance company already denied my claim. So now, I asked them for a second opinion and was told by the claims representative that I would have to pay for the second adjuster to come out. However, her boss did not tell me that I would have to pay out of my pocket for a second adjuster to come out and look at my boat. So I was wondering how much will it (might) cost me to have the second adjuster to come out.

Question about car insurance/registration in Connecticut?

I live in Connecticut, and I just got a car. I am only 17 so the car cannot go in my name because I am not 18. My dad bought the car, but I live with my mom (my parents are divorced), and my license says my mom's address. Is there any way for me to have to car garaged at my mom's house but it be in my dad's name/can I go on my dad's insurance? Reminder: this is for Connecticut!!! I really can't find this information online anywhere, so if anyone knows the answer/ has had this problem please let me know! Thanks!!!!!!

I want to buy a Mazda RX8 with 69xxxx miles. is it a good car and how much does insurance cost for these cars?

How come i don't see many of these cars around?

How can I get a lower price for car insurance?

I'm 20 years old and I'm about to get my car this weekend (hopefully) as well as my license hopefully by the 3rd week in may. And what insurance companies would you recommend?

Does anybody know any type of affordable car insurance (South.CA) for a teen who just got his driver license?

Do you know any car insurance that is not too bad (that covers stuff) yet not too expensive (lets say somewhere less than $500 a month)? And could you also please site a reference site? Thank you.

Do I qualify for federal health insurance?

My parents don't get insurance through their jobs, and they can't afford private insurance. My parents and I are currently enrolled in an assistance program through our local hospital. I go to a private university that requires for students to have some type of health insurance. If the student doesn't have health insurance, the school charges the student $1,000 for the school insurance. Since I am 19 years old, I no longer qualify for CHIPS, which I've had all my life. I am a full time student, I am a U.S. citizen, I am in Texas, my parents are low income, I don't have proof of a job (I'm a nanny and get paid in cash). Online resources are confusing. But is there any federal insurance program that I may be eligible for?

Will my insurance raise if neither party gets paid damages?

I got in an accident and it is my fault. I traded info and immediately told my insurance company. It turns out that the other party tried to commit fraud on the case, got caught, and will not get a claim now. Though I do feel bad as it is ultimately my fault, my car has no damage so if neither party gets collision claims will it go on my record or raise my premium? It seems like it shouldn't but I feel like it will. Thank you.

What will insurance on this car cost for me monthly?

Hi, I'm going for my G2 end test today, so hopefully I pass and get my G. Here's a bit of information you should know in order to answer this question assuming I have my G license: - I'm 23 - Male - I live in Ontario - I got a DUI in December 2008 as a G2 driver, however it wasn't a criminal offense since I only blew .02 (one drink) - I plan on putting the insurance on a 2004 Hyundai Accent, still in excellent condition - I will be a secondary driver on this car, my girlfriend being the primary I think that's all you need to know, If I missed anything that might help, ask, and I'll edit this question! - Thanks!

Car insurance?

I purchased a car worthy 2000 and I purchased a comprehensive insurance policy. Some of my friend said that we will not claim (1) losing no claim bonus (2) the car compensation only say 500. They suggest me to increase the excess to $1020 in return for the refund of 94. Is it worthwhile?

Different car insurance for Ford, etc?

I have to write a bunch of articles for my job based around van insurance for people with occupations that require a van. One article has to be called Ford Van Insurance another has to be Toyota Van Insurance. I can find info about Ford vans. I can find info about van insurance. But I can't find anything on Ford Van Insurance.

How much should I expect to pay for flood insurance in michigan?

I am purchasing a cottage for about $60k in Michigan. It is on an inland lake and is in an AE flood zone. How much should I expect to pay in flood insurance?

How Much Would Insurance Cost On A Mitsubishi Lancer Evo?

What would be an approximate range on insurance cost for me? I was considering buying a mitsubishi lancer evo and need to factor in the cost of insurance. It would most likely be a 2003. Model: Mitsubishi Lancer Evo Car: Year 2003 Age: I am 16 soon too be 17 State: Oklahoma Occupation: Student (3.5 gpa+) Other Info: I would most likely only drive to school and the gym 5 days a week, less than 10 iles a day round trip. I would be able to pay a higher deductable if need be. Live: with parents Background: Father is a Radiologist - Income: easily 300k+ Although I come from a very affluent family my parents are making me pay for most of my car If I am lucky they will give me a 10k allowance max.

What's a cheap car insurance company for drivers with alot of points.?

What about your Gas Millage and Insurance on the 2006 Toyota Prius?

I Have a new Prius with about 4000 miles. I get 44-45 miles/Gal What do you get, What is your insurance rate for 6 Month. I have a friend who say she has driven 30 miles at 70 mph on the electric motor after running out of gas. What About this ??? Can that be done

Where can I find affordable health insurance?

My husband and I are both self-employed and need to find affordable health insurance. Neither of us has any pre-existing conditions, and are in good health, but we'll be trying for a baby w/in the year. I have no idea where to even start looking!!!

What are some health insurance that is affordable?

I am a 17 year old female and i want to know what are some affordable insurance that include dental, eyes, and a regular doctor.

My car insurance policy are affordable because it base on a old 000 Toyota. I sold the Toyota but not reporti?

To insurance, is it legal

Can i switch my health insurance policy -?

hello, i work for a small consulting firm , < 10 employees..on their w2. they provide me a group health insurance for my family (me ,wife and < 1yr old kid) and i pay around $900 every month without vision and dental coverage..all my contribution..and it is with united health care group now - with this new obamacare what options do i have 1. if i switch , will i get a cheaper coverage ? 2. what is that policy exchange ..i hear this a lot these days 3. if i had to switch my policy.who should i approach.. what would you advise for me..pleae advise me on getting a cheaper coverage

Car accident with no insurance?

If I got a car insurance while on a Provisional license, could I still use it when on a full license?

I've got a provisional UK drivers license but I'm hoping to get my full UK drivers licence soon, but insurance is very expensive. I've seen insurance whilst on provisional is cheaper than on a full license, if I got that would I still be able to use it whilst holding a full UK drivers license? Also what are some other ways to save money on car insurance? Thank you!

Why can you 16 years old own cars in America?

Hello, So when I'm watching MTV or whatever television program here in the Netherlands I'm noticing that so many 16 year old drive a car. But where do you guys get the money from? Because a really crappy cheap car cost about 1000 euro's and than you need to pay a 390 euro (507 dollars) a month. I'm 16 too and with my 40 hours of work in a month I make 200 euro (260 dollars), so I can't afford a car now. (at least not paying every single month 390 euros) Nevertheless in the Netherlands you must be 18 years old to drive a car, but even when I'm 18 I think I won't make a 390 euro a month (only for my car). So do your parents pay? Don't you have to pay taxes or whatever? Thanks. David Calculation: Cheap car = 1000 euro Good cheap car = 3000 euro Average insurance 18 year old = 100 euro a month Can't find translation but road taxes = 80 euro a month cost of maintance = 80 euro a month Average driving 1000km a month with 7/100L = 70 * 1,80= 126 euro We pay 1.80 euro a liter (benzine) = 1 gallon = 3,8L = 6,84 euro's = 8,9 dollar per gallon so: 390 euro = 507 dollars a month

Where can I Find Reliable Cheap Life Insurance Quotes?

I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where can I find a good life insurance quote site that is unbiased or gives me quotes from a wide array of services? Also, are there any good tips for saving money buying life insurance for small business owners?

Will I have to switch my car insurance if I buy a new or used car from a dealer?

My current car is just costing far too much money in repairs for it to be worth it to keep piling money into. I'm a college student, so money isn't exactly plentiful, but its looking right now like I just need a new car, period. I have a decent job, and I could probably afford a car payment of around $200 a month just fine, however I am very concerned about any hidden cost with insurance. My dad told me that if I buy a car from a dealer, then I will have to switch my insurance to full coverage (I'm currently just on my dads insurance, and I only have to pay about $50 a month) but he says that if I get a new or used car from a dealer, I will have to change my insurance coverage and it will cost me more around 150-200 a month in insurance. And if you pair that with a car payment, I simply couldn't afford it and still be able to make rent and whatnot. So I came here to see if he is correct in this. I know there will be taxes, dealer fees, registration costs etc. but Its the insurance part of it that might make it impossible. Also, do I have to have my credit established for a certain amount of time before I can buy a car? I tried to avoid credit cards for as long as I could, so now Im still kind of new in the whole credit game.... Anyways, thank you for taking the time to read my question and hopefully answer it!! It is much appreciated!!

What is a good car insurance for florida state for a 23 year old female?

Help.

Female 19 year-old-, non-owner, occasional driver, Florida. Insurance premium increase?

Okay, here are the details: My sister (who is 5 years older than me) got her first car 6 years ago at the age of 18. She didn't get her license until AFTER she bought the car. It was a '94 Blazer SUV. My parents' insurance went up about $800/year when she and the car were added. Then, she got married in 2002 and was removed from my parents' policy. Not much has changed since then; they are still paying pretty much the same premiums. So, since I also decided to wait until I was at least 18 to get my license due to the increase of insurance premiums, last fall I started inquiring with my parents' agent about how much it would be for me to be added. I turned 19 in December 2007, and was quite sure it would be less for me to be added considering I am a year older than my sister was when she got her license, and I do not own a car of my own. (Continued below...)

Why is it so difficult for me to get health insurance?!?

Im 23 yrs old in Maryland and Im trying to buy my own health insurance for the first time. I havent been to the doctor in so long so Ive been having issues lately with my seasonal allergies. During this past year I went to an ENT specialist without insurance to get medication/prescription for a sinus infection and paid cash. The ENT specialist recommend I get sinus x-rays if the medication didnt clear up the problem. I am still having issues with it so I decided to apply for insurance so I could afford further treatment. However Ive applied to 2 places, both companies called me for an interview where they asked me a bunch of questions over the phone about any treatments I received or have been recommended to have. I have been declined twice with them saying get the recommended treatment done then reapply WHY??? OMFG I dont have a serious ongoing illness why are these people giving me such a hard time???? =( What do I do?? Thanks.

How much insurance do you guys pay for a Harley (v rod)?

I am planning on buying a hd v rod soon and I'm 21. I've been driving my car for almost 6 years and have a clean driving recorrect (if it matters). I was wondering how much people pay for motorcycle insurance?

2000 HONDA CIVIC CAR INSURANCE?

I'm 18 and a girl and have had my license for 2 years. My car insurance is 170$ a month, is that a lot? I don't know much about cars but it doesn't seem right. I only have full coverage for my medical and not my car. I have AAA car insurance. HELP please!

What is the cheapest individual health insurance plan in PA?

age 62, good health

If i buy a car how much car insurance does people usually pay per year? ?

if i buy a car how much car insurance does people usually pay per year?

How much does insurance cost for a 2002 mitsubishi eclipse gt for a 16 year old who went through drivers ed?

Around how much is it for insurance for a 16 yr old male in MO?

im 16 now and i was wondering what is a good estimate for how much insurance is for me and yes i know the car and provider affects the amount.

I want to by a nissan s-cargo does anyone know anything about them or what the insurance cost is?

http://www.carfolio.com/specifications/models/car/?car=131516&Nissan-quote Nissan s-cargo this is the site for my car and I love it just curious what the insurance will before I make a offer and would like to hear opinions and stories about them.

Car insurance question?

My car is currently under my parents name any under my parents insurance. It was a gift from my parents but we never bothered changing the ownership over and it wasn't a big deal since we live in the same home. I am planning on moving out soon, do I need to have the car put in to my own name to get my own insurance and to make it legal? I've heard that continuing to pay through their plan without living in there house would make it void. If I don't change my ID right away would it still count as me not living there?

How much would car insurance be for a 16 year old with full coverage?

ok well im going to get 24000 for my car and 3 years of insurance so in just wondering how much monthly car insurance would be because im thinking about 250 but i think that is a bit much please help i need to know how much the insurance would be so i can know how much i can spend on my car???????????????????????????????????????

Insurance and baby drama?

My boyfriend has another daughter that is placed on his insurance as is our daughter. Will this other kid effect my daughters benefits for being on his insurance along with the other kid?

Car insurance question?

I have a 2000 Landrover, and right now I'm on my moms insurance policy and the car is in her name. I think its stupid that I have to pay insurance when the car isnt even in my name, but everytime I ask her to put it in my name she gives me some bull about it being like $200 to transfer titles and that it if its in my name ill have to get off her insurance. Is any of that true? And if so, how much does it cost to get your own policy? My insurance is 160 right now if that makes any difference. It's kinda high because I had a wreck about a year ago.

What's the average insurance premiun for a Taxi in the US?

Best car insurance rates for male college student?

Hi, I'm buying a 1996 Corolla. It comes with VIPER anti-theft. I'm a male with one speeding ticket. How would I go about finding the best deal for car insurance? The best deal I got was from geico, the bare minimum plan I think, for $600 / 6 months. They also gave me the good student discount. The last owner of the car payed $300 for 6 months. Any tips and tricks to lower my insurance rate? Any other discounts that I can ask for? like a good student discount etc? I attending a University in Omaha, Nebraska, but live in Hawaii. Thanks

How does car insurance work?

I'm a 17 year old girl and I recently got my license. Yesterday my dad bought car insurance for me, but I don't have a car. So i'm assuming that this insurance is for his car, but can that same insurance be transferred if I get my own car? Or did my dad just put my name on his insurance? I don't really understand.

Is they liberal comparison of medical insurance to car insurance flawed?

under obamacare,i cannot be refused because of a pre-existing condition...great right?...i dont have to get health insurance...the fine from the IRS will be cheaper...i can just wait till i get sick to enroll...would some one explain to me how car insurance would work if i waited until the day of the wreck to get insurance..???...

Im 17 and got a DUI, will this affect my insurance when I turn 18?

I realize this was the dumbest decision me and my buddy have made in our lives. Trust me I dont want to be near a vehicle for a while. I have lost my license for only 90 days, the cops were very respectable about, and did not criminally charge me, although they were good at scaring the **** out of me. It will also cost me 500$ to get my license back after the 90 days, and my car has been impounded for 30 :(. I live in British Columbia, Canada and the car I was in is my parents and I am registered under them. Again, I feel ******* terrible about it and glad I didnt injure anyone, especially someone not in my vehicle. - The drinking age is 19, he didnt charge me for under age thankfully. - Im not considered an adult until I turn 18, you sure this will stick with me?

Affordable Health Insurance?

I am a 19 year old college student. I have always been on soonercare but I stopped being covered when I turned 18. I take over 20 hours in college and live with my fiance so I am unemployed. I need health inaurance so I can go to the dentist and eye doctor but everything is way expensive. My fiance is covered by his work but they dont offer family coverage so even when we get married a year from now I will still need my own health insurance. Ive tried getting some quotes but I cant pay $200-$300 a month. Is there somewhere to get afordable coverage that I am over looking?

Cheapest Scooter Insurance for 16 year old?

I just turned 16 and want to get a scooter The actual license and scooter isnt too expensive 50 for provisional, 89 for CBT, bout 20 for the thory and 60 for practical However, insurance is a pain!! :/ does anyone know who the cheapest insurer is for a 16 year old? I would love to be able to drive on the scooter but insurance is too much. Also, what is the best scooter to get. By best i mean a scooter which has the cheapest insurance? THanks a lot!!

Car accident with no insurance?

Does car insurance tranfer to your new car?

I just traded in my car for a new one. I only had the car for five months and I took out a six month insurance policy on it. Will the insurance that I had on my old car transfer to the new car or will I have to take out a whole new coverage and pay a whole new down payment for a new policy? How does this work. I read that car insurance is supposed to temporarily transfer to the new car. Does this apply to every company and if it does, does this temporary transfer happen automatically or should this be done through my insurance company before I go pick up my new car? My insurance company won't be open until Monday for me to ask these questions. Im looking for answers/advice to prepare.

What is the best car insurance that you don't have to pay much in any state?

I live in NJ and paying half as my car cost...

If you pay late on your insurance, how quickly will an insurance company drop you?

Aren't there always other reasons to drop people from insurance? Loopholes, loopholes.

240sx insurance?

will the cost of insurance for a 1995 nissan 240sx be high or low?

Is Car Insurance paid Monthly or Yearly?

I was reading an article about the Toyota Prius and it said insurance is about $1400. Is that $1400 a month or a year?

What does it take to commit a minor and how do you afford it if you don't have health insurance?

My uncle and aunt are struggling with my 16 year old cousin who suffers from anorexia and she will go up to 3 weeks without eating anything. I am not kidding she only drinks water and then she will slowly puree some fruit into her water again for about a week or two before she binges for a few days and then goes back to this cycle of starvation. She looks pale and has no energy. Her eyes are sunken in and she hides in her room unless shes on a binge and she cries and says shes ok when they tell her lets go see a doctor. My aunt and uncle are immigrants and they don't speak english that well. They don't have a lot of money or health insurance and I have no idea what to do but they are asking me to help! I've never dealt with this type of situation before and I'm just thinking they should call an ambulance and maybe they'll commit her to some state institution? I've been googling this and I come across all kinds of conflicting information. How can she get help in the state of California and is there any way if they are not insured to pay for her treatment? Is there any state aid related to extreme cases of anorexia?

I have a question about health insurance?

I have a 4 year old daughter,I have joint legal custody,my daughter has health insurance with her mother,is possible to have a secondary health insurance?

Car insurance question ? And leasing a brand new car question HELP!?

im planning on leasing a brand new bmw 08 , but the lease says $357. Ok, in the end what do i have to pay? im talking about after paying the down payment.. how does the insurance work? Every month do i actually pay 357 or is there taxes including, and insurance.. im confused about the insurance part cause do u pay with bmw insurance or lik for example geico..... i dont get it.. someone help.. how ddoes it all work wat are the final costs of a monthly leasE?

I own a car and am selling it to a guy. He is the only driver. He refuses to get insurance.?

I have given him 3 months to get insurance, but he hasnt gotten it yet. I have kept the vehicle on my insurance until he gets it, but he still hasnt gotten it. And now he is complaining that I should stop insuring it so that he doesnt have to reimburse me for it. My questions are: What would happen if i dropped the insurance and he got pulled over or in a wreck? Who would be responsible, me or him? Could my rates be raised? Could I personally get into trouble with the law for allowing an uninsured driver drive an uninsured car that I own? We're in the process of getting a temporary title for him so that I won't be responsible, but in the meantime I need to know the consequences. I live in Ohio.

Will private insurance companies still exist after Obama care is implemented?

will govt be the health insurer once Obama care is implemented

Do you need private insurance?

if you have to go in a nursing home for a long time does medicare cover this,permatently or do you have to have longterm care insurance.we pay-out 1600.00 dollars every 4 months.please some answer thanks.iam 89 spouse is 86 thanks

Camera insurance for not professional?

I would like to buy an insurance for my camera. Please write only the link for not professional. Thank you so much! USA

Are we going to have to have a secondary health insurance to insure against the newly sky-high deductibles?

About old car insurance?

i want to buy a 99 honda acoord and i need to know how much shuold i pay for insurance ?

How many Health Insurance Companies in Sault Ste.Marie?

How much would they charge ? My brother is going to Algoma University this year, the University asks them to buy a Health Insurance, but the University's health insurance is too expensive. So, is there any other health insurance companies in Sault Ste.Marie ?

Health insurance question?

Had COBRA insurance, terminating, looking for health insurance. One health insurance has turned me down. Am on SSDI and have a condition that needs outpatient surgery monthly. Anyone have any suggestions?

I am 17 and looking to buy a muscle car in ontario, how much would insurance cost?

I am rather new to driving but have one year of experience and have my G2, I don't plan on being under my parents my insurance. Also im not looking for an extremely power full v8. Just something like a 1999-2004 mustang that I can put a bit of money in to and add some pony's. How much would that cost in insurance? I also have a clean driving record and took my driver's ed, are their any other classes that could lower my premium?

How much will my insurance go up?

I was trying to merge onto the freeway when the lady in front of me made an inexplicable complete stop on the on ramp. I slammed on my brakes and rode the ABS down to about 15MPH when I hit her. Turns out she was on heroine, and CHP arrested her at the scene. The chippy's were really cool and said my situation was totally understandable , but said my insurance may not see it that way. (the damage to the crack head's car was minimal, and she was not injured) I'm not going to claim the damage to my car. I can fix it myself. So lets say with a little paint and body work, her repair cost is $1000.......how much will my insurance go up? I am 23, and have a flawless driving record until today.

If i use third party Car insurance do i build up an insurance record?

Hey, i'm looking at buying a first car, however quotes for Comprehensive insurance are up over $2,000, but i want to build up an insurance record. Does using third party cover build me up an insurance record, or do i need comprehensive insurance? cheers

Pay out of pocket for my car or go through my insurance company?

I live on a hill. Last week, in a quirky weather situation, the street I live on got super-slick just long enough for my 2000 Toyota Camry to go into a 300' free-slide down the hill and crash into a curb and a tree. It was a one-car accident, no one was injured. The repairman can only give me a rough estimate at this time but he thinks it'd cost about $1500 to repair using old body parts, although he says it could cost more if he finds more damage as he goes along--in that case he thinks it might cost up to $2,000 to patch it up out of pocket. I asked him about the pros and cons of paying out of pocket vs. going through insurance in my particular case. He said that if I chose to go through insurance--which would mean getting a USAA adjuster out and all--that he was thinking it would probably cost $2500 to repair, maybe more if it turned out there was more damage that he could see at this time. But he pointed out that I'd have to pay the deductible (which I think is $500 for my car, not sure) and that my insurance rates would go up. But then you'd end up with a new-looking car. [as opposed to a patched-up looking car]. My husband absolutely wants to pay out of pocket--he does not want to involve our auto insurance company, saying, The insurance company is only for the big accidents. But I'd like to keep this car for several more years if I can because there's no car out there that I like better, so I'm wondering if maybe it might be worth going through the insurance company. Here's a little more information: My 2000 Toyota Camry has 115,000 miles on it and has been very reliable over the years. The motor wasn't damaged and, in fact the car is already driving well again except that one headlight and blinker are broken. There is, of course, body damage to the front and hood, plus a 6 crack over the left back tire (not very deep), which occurred when I backed out of the tree, slid again, and hit the curb on the opposite side of the street. Re: Our insurance situation? We (me and my 3 driving age children) had a string of costly minivan accidents in the 1990s: 1. one in 1997 when my daughter totaled my van, and got sued for injuries by 2 people in the other car (the lawsuit was settled many years ago but it dragged out for years). 2. one by me, a one-car accident, no injuries, our insurance company paid for the damage minus the deductible 3. 2 accidents caused by other drivers, so my insurance company didn't have to pay any damages--I don't know if USAA takes accidents caused by other people into consideration or not. 4. My son totaled my van in 2000 [which is why my current car is a year 2000]. So we have not called upon our insurance company for any expenses for almost 11 years now. Regarding traffic tickets? I got one 3-4 years ago for speeding--35 or 40 mph in a 25 mph zone-. If my points from this ticket have expired by now (not sure), then there are no other points on our record. Our children are now out of the nest and only one of them borrows our car when she comes to visit once every month or two. I put less than 10,000 miles/year on my car for work and vacations. We live in PA. So my question is this: Given the age of the car, amount of damage, etc., is it worth going through our insurance company to get the car fixed rather than pay OOP--or would going through insurance raise our insurance premiums so much that it wouldn't be worth it?

Auto insurance rates question?

How is it when you buy a newer car, your rates increase, while there is no decrease as your car ages? Pure greed on the company's part?

Why is it that girls can get cheap insurance?

i passed my test a year now payed a grand for my insurance at first then had to another one as it ran out and had gone down to 400. my bf has been driving for 4 years now and his insurance on his car is 2 grand just for fun he put into see how much it would cost to me to drive his car and came up as a grand lol he was really peed off lol his car is a 1.8 t and mine is a 1l corsa 53 plate and for fun again he went ot see how much i was for him on my car it was a grand lol. how come girls can get it soooooo cheap. so next year am getting my golf gti mk4. am sick of having my slow corsa.

Does an insurance company have to insure a rebuild title?

for a car that has been rebuilt does the company have to insure it?

How much would insurance cost for me?

i'm an 18 yr old female driving a 86' camaro

How can I change my insurance plan in Covered California?

I enrolled in Covered California last December. I just realized that I am not happy with my Kaiser plan. How can I upgrade it? I tried to call but I waited on hold for more than an hour and when I was finally able to speak with a representative, she hung up on me. I plan to stay with Covered California but I want to change/upgrade my plan without being kicked out of the system. I am worried because it is only 4 days to the end of open enrollment.

Car accident with no insurance?

Do you need insurance in florida to drive with a learners permit? with a liscence?

In florida do teens need insurance to drive their parents cars with a learners permit? once you get a liscence can you drive their car without being included on the insurance as long as theyre in the car? the car has insurance im just not listed on the policy

Insurance company not paying for car repair that isn't my fault?

I was in an car accident. I was in the right hand side of the parking lot and I was backing out of my parking space. I was in the middle of the parking lot, and a guy pulling out of his parking space on the left hand side of the parking lot. While I was in the middle of the parking lot, the guy back his car into mine (In a hurry). After this accident happened, this guy admitted that he hit me and the accident was his fault. The police showed up and we told our stories and he admit to the police that the accident was his fault and it was on the police report. After the accident, we went our separate ways. I talked to my insurance company and they told me that since the guy that hit me admitted that he caused the accident, I had to take it up with the guy's insurance company. I called the insurance adjuster from the other insurance company and gave my statement and he told me that he viewed the accident as both our faults and would not pay me to have my car fixed. And I told him that his client admitted to the accident and he said it didn't matter. I would have to go to my insurance company to have my car fixed. I have arbitration. Also, the adjuster said that I can go through arbitration. I don't know what to do. What can I do about it?

Auto insurance rates?

hi there. I'm doing a project for school that requires us to find the auto insurnace rates for people of the following categories: >a male just getting their licence (who has taken driver education classes) >a male just getting their license (who has not taken driver education classes) >a 25 year old male (who has taken driver education classes) >a 25 year old male (who has not taken driver education classes) >a person convicted of driving while intoxicated

Medicaid health insurance? for pregnant teen?

I am 17 years old. i recently found out i was pregnant and i am under my moms health insurance. unfortunitly i am currently unemployed and my boyfriend's job isn't that good. with my mom's insurance i have to pay $20 every time i go for an appt. and the bills are kind of high. i need better insurance for me and my baby on the way and someone mentioned medicaid. any idea how to apply? also if anyone has a good insurance for them and their baby i will take any advice!!

Car Insurance when selling Car?

Ok the situation is as follows: I am selling my car for a new one. I have asked my current insurer to transfer my policy to the new car which is fine. However I then questioned about temporarily insuring my old car under the policy and they wanted a ridiculous amount of money for a week - I also do not know how long it will take to sell the car. I questioned the amount and asked what customers generally do when they wish to keep an old car insured. I was told that I could drive my old car on a 3rd party basis as my policy going forward covers me fully comprehensive. I thought fantastic - but then I was shocked when I was told that if I drive the car it is insured 3rd party only but as soon as I park it up somewhere it is uninsured and could be towed away by the police. I have since read my policy document which claim that I can drive any other car 3rd party providing I do not own the car and that there is already insurance in place? Can anyone clarify the above or provide advice. I am so confused and unfortunately are unable to call my insurer back now or over the next couple days? Thanks in advance

Which is the best health insurance company (policy) to cover all expenses in India ?

Best insurance company for Health insurance policy: An individual, 55 years old to cover all expenses (Eg. Hospitalization, Consulting fee, Medicine expenses, Room rent, Surgery, Post hospitalization and related expenses).

Will buying a salvage title car make my insurance go up? ?

The car is in mint condition now I got a mechanic o look at it it's fully restored but if I buy it will it effect my car insurance

How can I get my medications without insurance in California?

I've been taking Citalophram (Celexa) daily and Alprazolam (Xanax) as needed for the past 5 years. They've truly helped me with my depression, social anxiety, and even bipolarity believe it or not. I lost my job in February of this year and so far have been unable to find work for myself. I've been trying so hard to find work but unfortunately, i haven't had much luck at all. My medications are running out and I'm completely broke. Where can I get assistance in securing my medications? I'm afraid I'll hurt myself once I run out of both meds. I am in California. Anyone know of any places and/or public assistance agencies that can help me out?

Best car insurance company to use?

I am 22 and just traded my 2003 VW beetle for a 2010 honda civic LX (which is being financed). I use 21st Century and they're going to raise my rate by a couple hundred dollars per year. I pay every 6 months. I feel like this is too much. Even though I'm not yet 25, it seems a little excessive. Are there any suggested insurance companies with a more competitive rate? BTW I'm in California if that makes a difference...

What is the best Dental Insurance for North Carolina??

I need to purchase dental insurance for myself because I know I need to go get a cleaning etc. What is the most affordable insurance to purchase that covers the most & gives me options on which dentist I would like to go to? I know I have atleast one cavity so I need insurance that won't break the bank but will keep my teeth looking good. Thank you in advance!! Easy 10 points for best answer!!

Is it normal for a doctor to tell you you have to pay $90 a year if you use health insurance?

I live in Colorado and I got a letter from my doctor today telling me I have to pay $90 a year to use insurance with him. He also said that every time they have to send a request for authorization for something and they get it back and have to ask again they will charge you $75. This is kind of bothering me because I am waiting to have surgery and am not working and can't afford much more than just a co-pay. Does this sound normal for a doctor to ask for this?

Why is health care so expensive in the U.S.?

I know, I know -- look at other yahoo! answers first... But what I'm wondering is, why is it so much MORE expensive? Is health care really of a much lower quality in other countries? Do their governments regulate it more? Thanks in advance. :)

Advantage of auto insurance?

please provide me some information about auto insurance.

Which color and style cars are the most expensive in insurance??

I looking at getting myself a chevy cobalt, I want a black, white or red coupe style but I know that they can be a little more in insurance and I just want to know what colors and styles are the most.. By the way I'm a 22 year old female in Chicago, I know that might make a difference in the cost as well.. Any info would be helpful..

Car insurance in New York

I am a new driver i just got my license. I need to get car insurance on my ride. How much will it cost for a new driver? How quick of time can I get it? How much will it cosh me monthly? Spec about insurance please. thanks for your time

Insurance price on harley-davidson?

what would be a good estimate for yearly cost of insurance on a harley? -92 heritage softail classic

What's the cheapest full coverage Insurance?

I want to buy a car from carmart but I need full coverage insurance it's a 06 Chevy silverado...I'm 22 I've never been in a accident or had a ticket around what will insurance cost???

My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?

He is receiving student aid in the form of scholarships and the pell grant for low-income families. I don't want him to be without insurance coverage. His only income is back child support that will end in a few months. What are my choices? Please help. Thank you. I only receive disability income from social security disability.

Good insurance companies for 17 year old passed my test!!?

ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)

Question about speeding ticket/insurance?

I had a speeding ticket for going 55 in a 45 mph, would that make my insurance rates go up?

Why are car insurance quotes sexist for young drivers (females are always cheaper)?

Just because they presume that since your a lad/guy your very likely to crash. And girls won't? Its not the Victorian era there's a lot of young women that are into cars & are racers. There just as likely to crash imo. It shouldn't be stereotypical that boys will wreck there car. Yes I love cars but I would never take risks in my first few years. It suck that I cant get an affordable insurance quote for my mothers 1.2 VW Polo. Yet a female friend of mine of the same age (18) can get covered on a 1.6 mini cooper for 1700. Thats not even her first car! When she was 17 she was driving a mercedes kompressor! I cant even get a quote below 2500 & I live in outside of Edinburgh City near the country side :( Plus theres insuramce companies out there that exist just for woman (Shielas wheels etc) that offer cgeap quotes to women! Its discrimination in my opinion.

Getting SR-22 Insurance with new policy.?

Basicly... last year... my mom and I were required to maintain an SR-22 for 3 years. we got our first one with Mercury insurance.... which was our existing provider then they said they wont renew the policy with us anymore... and we had to find another company chose allstate... as they were the only ones willing to give an SR-22 for NEW policies. we have had all state for 6 months... their rates are pretty expensive though... with or with SR-22... we got quotes from statefarm... they are really good... about 40% savings.... but they refuse to give SR-22s with new policies. but then they also said...they also refuse to give it with Existing policies as well... is this even possible? we have 3 cars. we were thinking of keeping one vehicle with allstate... maintaining the existing SR-22... and transfering the other 2 vehicles over to statefarm... and after a month or 2... once we become existing customers request for an SR-22... and transfer the allstate vehicle to statefar

Insured driver drives uninsured vehicle and crashes into my car. Is her insurance responsible?

Basically a woman who has her own insurance drove her friends uninsured vehicle and crashed into two parked cars including mine. Will the drivers insurance par for the damages or will they get out of paying? I have my own insurance, but I don't want my rates to go up because of this moron which is why I would rather have the drivers insurance pay for it. Any advice would be appreciated.

Can someone explain the difference between Health Insurance and any other Insurance?

I don't understand why people act like health insurance is so radically differently than other insurance. Is it? Insurance is a form of risk management to hedge against loss. Auto, Life, Homeowners, Unemployment and Health are among the types of insurance you can buy. I'm generally not required to buy any of those insurances. If I have the title to my home, I'm not required to have homeowners insurance. If I don't drive a car, I'm not required to carry auto insurance. Why should I be forced to buy health insurance? If I want to take that or any gamble by not buying insurance, isn't that my choice? I will admit that by not purchasing health insurance, I could be putting a burden on others if I was admitted to the ER and couldn't pay, that burden of payment would fall on others. HOWEVER, that burden would be there whether I was forced to carry insurance or not. If I don't make enough money to buy this mandatory insurance, then the gov't will give me tax credits to purchase insurance. Who's paying for those tax credits? All of the tax payers. So either we pay the providers/insurance companies via higher premiums to cover loss, or we pay the gov't via taxes. Forcing (perhaps unconstitutionally) citizens to purchase health insurance won't solve anything, it will just move where the cost is incurred. But please, explain why people are treating health insurance so differently.

Where do I look for Health Insurance?

In a month I'll be 18. I don't smoke and I'm enrolled in college. I want to find something affordable and simple, but mostly affordable. Who do I talk to and how will I know its a good deal? Another question is when I go to a hospital, do I have to pay it all upfront or can I make payments over time? (In two weeks I'll be getting the Implanon and its been set for about four months and my mother never bothered to tell me we lost out insurance. And the implant can be $400-$800 and I dont know the cost of a visit to a OBGYN at a hospital.) What else do I need to know about insurance?

Car accident with no insurance?

https://www.linkedin.com/pulse/what-most-popular-cost-effective-family-medical-insurance-isaiah-mays/