What can i do to my car and not pay excess on my insurance? Read On Please…?

I Was going to paint the chrome V grille on my new corsa red and add a fake carbon fibre sticket to the side of the window on the door about 70cm tall and 12cm wide sticker, i will tell my insurance, but will i have to pay more for a sticker and some paint?
Sorry, you know carbon fibre? that look on a viynl, so its like one big carbon fibbre (fake) sticker to go at the side of the window on my door, and im paiting the chrome v on the front of the corsa the same color as my car.. red ??

When did health insurance stop being “insurance”?

I have car insurance in case I get into something bigger than what I can pay for. Something big and unexpected. I don’t have it so that it pays for my gas, my oil changes, my car washes, my bumper stickers, my new radio, or the Christmas tree than hangs from my rear view window.

When something big, expensive, and unexpected happens, I still pay a small portion of it while the insurance company picks up the lions share.

Health care hasn’t worked this way for a very, very long time. When did it stop acting like actually insurance?

Car Insurance Claims Adjusters – What to expect? Should I get my damage appraised at a body shop?

Just had an accident. Someone rear-ended me, and it bent my frame, broke some lights that were brand new, messed up my bumper totally also, and also, bent in my trunk lid, so now the light is on.
And yeah, the person that hit me made my car fly at someone elses car and there is also damage at the front bumper.

I wanted to know if I should go on ahead and get an auto body shop to give me an expensive appraisal for all the work to be done to my car to get it repaired.

Well, I am anyways, but what else should I dooo… hint hint wink wink..?

I’ll be cleaning the crap out of it thats for sure. I’m a professional auto detailer in cosmetics and interior only.

Scratch remover pen
Windows clean
Tires shined
Wheel wells painted
Stickers removed
All that jazz.

So tell me, what else would you do to add value to their “Estimated Value”

Also, what type of prices do they compare to?

Honda Civic EX (1 year before 1999, hint hint)

if you didn’t have any car insurance would the insurance company take back your tags?

i have seen people on the road driving with expired tags from last year color of the sticker. the sticker that goes in the window i thought had to be posted also when you get the car inspected was not on the car and people seem to drive like it do not belong on the car. the reason why i ask is because i had canceled my insurance on a car that no longer works and i had to turn in my tags. well what would happen if they got stopped by the cops?

can i total my car and still recieve a check from the other driver’s insurance company?

My daughter was hit by another driver. His insurance cut me a check for repairs. Meanwhile, I called my insurance company to let them know about the wreck. They sent out an adjuster, he totaled my truck and cut me a check as well. Now the other guy’s insurance company sends me a letter telling me that they have stopped payment on the check because my insurance totaled the truck! I’v already used the money and bought a replacement! Did I break the law?!

I am being sued by state farm for an accident in which i had no insurance. What can I do?

I rear ended an elder lady because she stopped on the highway suddenly. The truck i had was insured but i was not on the policy. 9 month later i get a letter that i am being sued for all the damages by their insurance company. What will happem next I am only 20 yrs old so i dont really know too much about this

If an automobile accident is my fault, can I still present a claim against the other person’s insurance?

I recently backed into a large truck with my little Dodge Omni. The damage to the truck was merely a cracked tail-light, but my tail-light was completely shattered and back driver’s side corner of my car was dented in really badly.

At first I assumed I would have to cover the repairs to my car myself, since it was my fault. But I have since received a letter from the other guy’s insurance company which vaguely stated that they acknowledge receipt of my claim and that i should keep my expenses to a minimum. I took this to mean that his insurance would cover the damage to my car after all. The thing is, I’ve been unable to get in touch with his insurance agent to find out how to proceed.

I’d like to just get the car fixed and then mail them the receipt for reimbursement. The thing is, if they’re not going to cover my expenses, I wouldn’t bother getting the body work done. The Omni’s days are numbered anyway, so I’d just fix the light.

What should I do?

Should I file a claim against our property insurance?

Last July, our builder parked a work truck on the street blocking our driveway and we had our landscape trailer parked IN our driveway. While it was parked there and his men were working in the driveway, somehow it rolled down the driveway and hit the gate of the truck with the top of the trailer frame, scratching the truck’s paint. The builder said, “Don’t worry about it”, but of course we didn’t get a release signed. In December, we made a large claim against our new home warranty. Lo and behold, we just received a copy of a repair estimate for $500 for the truck, and a letter from the builder requesting payment. First of all, the estimate contains $200 of charges listed as “misc” beyond the paint and labor costs. Second, it seems excessively high. We are really upset at this and are fairly certain that the builder has used this as a way to recover some of the costs for our home repair and get revenge. Should we file an insurance claim? Request an estimate from another shop?

What does it mean when insurance company deems a total loss?

My dad got hit about 2-3 weeks ago by some guy who ran a stop sign and the damage was really bad. I don’t know the full details but I do know my dad sent his truck into a body shop to fix the damage. We received a letter today from the insurance company saying that his truck has been deemed a total loss and to move his truck from the body shop it is at. What does this mean and are we going to get money for the damages?

Car Accident Insurance Settlement?

How long should it take for an auto insurance to offer a settlement? I was in an accident in July 2007–wrapped up treatment in the fall, and all of the final bills were received by the responsible parties insurance in December 2007. They have ignorned my calls since and I’m wondering how long I’ll have to wait to get a settlement offer.

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