Hi Barry! My insurance company and I can't agree on what constitutes a 'collision.' If you frequently visit a gated community and one day, the (swinging) exit gate that regularly opens for your car--and stays open for a couple minutes--as you safely exit, suddenly malfunctions, opening as you exit then immediately closing on you mid-passthrough. scraping the passenger side of your car, is the damage covered under collision or comprehensive? (I know it's really the HOA's responsibility, but that's a whole other story). Thanks so much in advance!
Hi, I really don't know. That's more a claim for the insurance adjuster. It's just outside the scope of anything I deal with. Sorry I can't be more help on this one.
My car insurance (SAFEWAY AUTO in AZ ) is not fighting for me at all i was found to be 51% at fault and when i asked about my car getting repaired he said " you can't you where found at fault" ..when i mentioned the letter i received a from the adjuster saying i was found to be 51% at fault . He just repeatedly said i was at fault and hung up ? Now im at a lost and not sure what to do ? If the other driver was 49% at fault shouldn't i be able to file a claim against him for his part in the accident?
Thank you for the information. What happens when a stolen car totaled your car and the drivers flee the scene? Do you sue the other car legitimate owner? They have been victims of theft, and their car was totaled as well. My car insurance claimed that I had comprehensive insurance that didn't include collision, or car rental. I don't recall ever buying insurance that doesn't include car accidents. Why would I? What do I do now? I have no car, and on top of that I am incurring fees at the impound lot...Please help!
Morning. I responded to your other comment. I strongly recommend consulting with a local attorney about this. If you let me know where you are I may know someone. However, just fyi, a p.i. attorney will only get involved if there are injuries suffered in the accident.
@@LawFull Thank you for your response. I appreciate you taking the time to respond. The injuries we sustained were superficial , bruises, swelling, whiplash but thankfully no broken bones, and/or head injuries. We were driven to the ER and had x-rays and CT scans to eliminate internal bleeding and broken bones. We are stiff and aching all over but Thank goodness we are very fortunate to come out of it alive. Things could have turned out much worse.
My son had a Geico driver turn in front of him causing an accident. Police report, violations for other driver, and statements show the Geico driver at fault. And Geico still sent us a denial letter. I have an attorney friend who recently sent Geico a pay up in 30 day ($5500) letter or go to court. What are your thoughts on us getting a payment?
Hi, I honestly couldn't tell you at this point. If they don't respond or still deny the claim you'll have to file suit. If the other driver is at fault sounds like you should prevail. But there may be something else going on like perhaps the driver didn't pay his premium or he won't cooperate with them doing their investigation. So it's just impossible for me to guess whether you'll recover at this point. I'm sorry I can't be of more help on this one.
Hi - that is a better question for a local attorney. But very generally speaking, I would think you could still recover despite the fact that your registration was suspended. There may be other ramifications etc. But I would think you'd still be able to recover. Did you file a claim with their ins co? What are they saying?
You can try but its tough. You can get your own appraisal and try to show that the value of the same car that hadn't been in an accident was worth more. That's the basis of your claim.
I have a license, I was borrowing a family members car for 1 day and someone cut infront of me in traffic and we hit and they took off and left the scene. I was hospitalized I was not on my brothers insurance policy or own a car…. The police report shows it was a hit and run and the other driver was cited but the location of the vehicle accidnet shows otherwise “ I’m fault” how would I handle this I suffered life long injuries, missed 2 months of work , mentally I am not ok still…
I strongly suggest that you speak with a local attorney about your rights. If you want, you can email me. I may know someone near you who can help. My email is in the video description.
I had a small accident where the guy was in the middle of the road with his hazard lights on. I went into the other lane to pass him and sure enough he moved without checking his mirrors and hit me. He apologized and offered to pay cash on the spot to not involve insurance. He only offered 750 cash for something worth maybe 2.5-3k. I took no cash and just said I will be calling his insurance. After 2 weeks of me calling their insurance and them saying we haven’t been able to contact our insured so we cannot take responsibility…they finally call me back after getting both statements and say that after the investigation I was at fault…what am I to do!?
If they denied your claim, you can either 1. Go through your own insurance to get your property damage fixed or 2. File a lawsuit against the other driver.
My car insurance accepted my claim to fixing my Toyota Corolla but after I got it back I heard a noise in the wheel bearing I took it back the mechanics inspected it and said it was the wheel bearing and now my insurance is denying the supplement what can I do?
I received a notice from the dmv that my address was requested and released pursuant to vehicle code section 1808.22. After a google search it says hit and run. But I never hit a car, what can I do.
Morning, to be honest, I don't know. I haven't dealt with the DMV much. This is kind of outside what I have done in the past. I would contact the DMV and see what's up I guess. Sorry I can't be more helpful on this one.
Hi, when you say "car accident insurance attorney" do you mean you're having trouble with an ins co? The only attorneys I really know are personal injury attorneys - and they get involved in cases where there is a dispute over injuries. I don't know anyone personally in Miami. However, once, I was referred to a firm down there. I cannot say whether they're good or not, but you could give them a call if you wanted: Stewart, Tilghman, Fox, Bianchi, and Cain
So is there anything we can do if we we’re denied for the last reason and accidentally put something inaccurate on our application when we signed up. They are trying to deny us because they said my mom said she owned one of the cars on the policy but she don’t
I see. Now your other comment makes a little more sense to me. You need to appeal the decision. Watch the video on how to appeal an insurance claim denial. Get a copy of the policy immediately and act immediately. Dont' delay. See what you need to do to appeal.
Hi, I honestly don't know. That is not the type of work I do. I would assume that it depends on what type of insurance coverage you have. Have you checked with your ins co yet? Barry
Reference is made to the above matter. Please be advised that having checked the insured's policy and reviewed the investigator's findings, the information received shows that the Insured was operating the vehicle outside the scope of the terms and conditions stipulated by the insurance policy Based on the foregoing, we regret to inform you that no indemnity will be granted from the policy. We trust that you understand our position and will be guided accoridngly. Yours faithfully, AutoSMART Insurance underwritten by General Accident Insurance Company Jamaica Limited
Hi, if you suffered any other injuries, I would consult with a local attorney to represent you. PTSD claims are tough to recover for - but if you legitimately suffered PTSD and received treatment for it - a good attorney can help you recover for it.
Hi, very generally speaking, if the policy was in effect at the time of the accident, there should be coverage. But check your own state laws for more specific information.
I've never done a bad faith claim before or know much about them. But I'd assume they have an obligation to act in good faith all the time. Though what that means is fuzzy.
Thanks. A Saturday market vendor hit me. The city owns the property and is covered by each vendors policy. Each vendor is required to carry 1 million in product liability and 1 million in injury liability. My injuries are well over their coverage. If the insurance company offers maximum liability, 1 mil, can i still go to litigation? Happy Thanksgiving!
Hi my insurance company declined my claim. Claims said policy was late.called insurance agent said only thing that dropped was my renters insurance. claims said they need confirmation from agent to honor claim. Help I dont dont know what do from here.
I was making a right on a green light the guy who hit me was making a left and hit me and his insurance denied the claim cause no witnesses, no police report and it’s my word against his is what they said. How do I handle this?
Morning. If they denied your claim you can either 1. use your own ins to get your prop damage covered or 2. file a lawsuit against the other driver (probably in small claims court if the $$ amount qualifies) and get your day in court. Do you have coverage to get your own prop damage fixed?
@@sandralomeli927 I was afraid of that. Well, if you really think the other party was at fault, your only other option is to file a lawsuit against him. Research the small claims court rules in your jurisdiction. You can probably find them on your local county court clerk's website.... Sorry you're dealing with this.
I haven t heard from anybody and its been a week...my insurence company is sending out an adjuster and are willing to help because we have uninsured motorist for the other party...and on the police report the other driver was at fault because he went over thw double yellow lines while trying to avoid hitting the guy that was behind me...all I was doing was turning left onto my road and the guy straight up hit me!....instead of going into the ditch to avoid hitting the back of the truck that was behind me he went around onto oncoming traffic and hit me while I was turning onto my road!....i asked the insurence company to send me a copy of there policy that says they wont cover a person that is not on the policy!...but the father of the guy that hit me said his son was coverd on there insurence but he also said he called his insurence company and they had his birthdate wrong on file so they had to change it!...i dnt know what to do...ive seen reviews for southern general insurance and there all bad reviews...
Sorry you're going through this. Good though that you are using your own insurance because if the other guy really does have lousy ins they could drag it out forever....
@@LawFull I heard georgia law to accept or deny the claim was 40 days...our insurance said that we were covered even tho we only have liability we do have uninsured motorist and geico said they would go after southern general for repayment if they fixed my car for me
Hi - I'm not really sure. That's not a situation I used to deal with. I did accidents etc. Not stolen vehicles. I'm sorry I can't be more helpful on this one.
Hi. I'd really like to help you. But stolen trucks and title are really outside anything I know about. Sounds like a question for your DMV or Dept of Transportation. I'm sorry I can't be more helpful on this one.
@@LawFull so our insurance said they would cover our damage since we do have like 100,000 in uninsured motorist and that I think they said they would go after southern general for the cost of having to repair my car!...ia that something insurance companys do to those that dont cover the claim even tho there policy holder was at fault?
@@LawFull ok yea thats what geico said they would do...there giving the insurance company 10 days to give them proof of coverage and if they dont give them what they ask for they will go ahead and fix my vehicle and get me into a rental till my car is fixed and go after the other company!...this southern general should not be in buisness...ive already filed a complaint with better buisness buraeu about there reviews on google...i Keanu so many people are saying the same thing that they either wont pick up the phone or call the people back and there denying the claims and telling them to file on there insurance!
Mice got under my hood and chewed up the wires. This is covered in my policy. It is an act of nature like a tree falling on your car. How should i go about filing a claim? This seems to give my insurance company an awful lot of wiggle room. After all, you can't sue God.
"Coverage has been denied due to Vanessa V*****z an undisclosed driver on the policy ********** and she was the operator of the insured vehicle at the time of the loss. This falcon policy is a named driver policy." "warning A named driver policy does not provide coverage for individuals residing in The insured's household that are not named on the policy." I received this denial letter on December 23, 2019. I live in Texas. The driver was Driving her mothers SUV with permission. When she clipped my driver side tail light spun me out of control and I hit the middle concrete barrier at 65 mph on interstate 10. Front airbags deployed broke my nose, suffered a minor concussion, and fractured my 4th, 5th and 6th ribs. Needless to say my truck was totaled and my 11 hour stay at the emergency room cost over $21,000. If I'm not mistaken I thought Texas had already did away with named driver policies back in 2014 and required an excluded driver that was specifically named on the policy was allowed at that time.....? HB 259 came too late for my passenger & I🤬
Hello Crystal, I'm sorry you're dealing with this. I don't know Texas law. I could refer you to an attorney down there but that's about all I could do in that regard. I'm sorry I can't be more help on this one. Barry
Was your car insurance claim denied because of one of these reasons? Tell us about it in the comments section below.
This guy is so helpful. I couldn't find any lawyer Willing to help or give me any consultation.
Barry you’re awesome! Please make more videos, no matter how small.
This man is genuine!
Thanks very much for the comment. I appreciate the INcouragement!
Hi Barry! My insurance company and I can't agree on what constitutes a 'collision.' If you frequently visit a gated community and one day, the (swinging) exit gate that regularly opens for your car--and stays open for a couple minutes--as you safely exit, suddenly malfunctions, opening as you exit then immediately closing on you mid-passthrough. scraping the passenger side of your car, is the damage covered under collision or comprehensive? (I know it's really the HOA's responsibility, but that's a whole other story). Thanks so much in advance!
Hi, I really don't know. That's more a claim for the insurance adjuster. It's just outside the scope of anything I deal with. Sorry I can't be more help on this one.
My car insurance (SAFEWAY AUTO in AZ ) is not fighting for me at all i was found to be 51% at fault and when i asked about my car getting repaired he said " you can't you where found at fault" ..when i mentioned the letter i received a from the adjuster saying i was found to be 51% at fault . He just repeatedly said i was at fault and hung up ? Now im at a lost and not sure what to do ? If the other driver was 49% at fault shouldn't i be able to file a claim against him for his part in the accident?
Thank you for the information. What happens when a stolen car totaled your car and the drivers flee the scene? Do you sue the other car legitimate owner? They have been victims of theft, and their car was totaled as well. My car insurance claimed that I had comprehensive insurance that didn't include collision, or car rental. I don't recall ever buying insurance that doesn't include car accidents. Why would I? What do I do now? I have no car, and on top of that I am incurring fees at the impound lot...Please help!
Morning. I responded to your other comment. I strongly recommend consulting with a local attorney about this. If you let me know where you are I may know someone. However, just fyi, a p.i. attorney will only get involved if there are injuries suffered in the accident.
@@LawFull Thank you for your response. I appreciate you taking the time to respond. The injuries we sustained were superficial , bruises, swelling, whiplash but thankfully no broken bones, and/or head injuries. We were driven to the ER and had x-rays and CT scans to eliminate internal bleeding and broken bones. We are stiff and aching all over but Thank goodness we are very fortunate to come out of it alive. Things could have turned out much worse.
@@aligned4good Hi, I responded to your other post. Thanks, Barry Z
thank you for the info and thank you for the mindful links to the related topic in the description
My son had a Geico driver turn in front of him causing an accident. Police report, violations for other driver, and statements show the Geico driver at fault. And Geico still sent us a denial letter. I have an attorney friend who recently sent Geico a pay up in 30 day ($5500) letter or go to court. What are your thoughts on us getting a payment?
Hi, I honestly couldn't tell you at this point. If they don't respond or still deny the claim you'll have to file suit. If the other driver is at fault sounds like you should prevail. But there may be something else going on like perhaps the driver didn't pay his premium or he won't cooperate with them doing their investigation. So it's just impossible for me to guess whether you'll recover at this point. I'm sorry I can't be of more help on this one.
If a person it not at fault but registered is suspended would the at fault driver insurance company cover the damage
Hi - that is a better question for a local attorney. But very generally speaking, I would think you could still recover despite the fact that your registration was suspended. There may be other ramifications etc. But I would think you'd still be able to recover. Did you file a claim with their ins co? What are they saying?
I had a brand new car and someone hit me the car got repaired but I got no money for diminished value on the new car anything I can do?
You can try but its tough. You can get your own appraisal and try to show that the value of the same car that hadn't been in an accident was worth more. That's the basis of your claim.
Hi, can you sue the other party in a small claims Court ? Do you sue the person directly or the insurance company?
The other party
I have a license, I was borrowing a family members car for 1 day and someone cut infront of me in traffic and we hit and they took off and left the scene. I was hospitalized I was not on my brothers insurance policy or own a car…. The police report shows it was a hit and run and the other driver was cited but the location of the vehicle accidnet shows otherwise “ I’m fault” how would I handle this I suffered life long injuries, missed 2 months of work , mentally I am not ok still…
I strongly suggest that you speak with a local attorney about your rights. If you want, you can email me. I may know someone near you who can help. My email is in the video description.
I had a small accident where the guy was in the middle of the road with his hazard lights on. I went into the other lane to pass him and sure enough he moved without checking his mirrors and hit me. He apologized and offered to pay cash on the spot to not involve insurance. He only offered 750 cash for something worth maybe 2.5-3k. I took no cash and just said I will be calling his insurance. After 2 weeks of me calling their insurance and them saying we haven’t been able to contact our insured so we cannot take responsibility…they finally call me back after getting both statements and say that after the investigation I was at fault…what am I to do!?
If they denied your claim, you can either 1. Go through your own insurance to get your property damage fixed or 2. File a lawsuit against the other driver.
My car insurance accepted my claim to fixing my Toyota Corolla but after I got it back I heard a noise in the wheel bearing I took it back the mechanics inspected it and said it was the wheel bearing and now my insurance is denying the supplement what can I do?
Ask them how to appeal their decision and do it as soon as you can. Normally it's set forth in your policy how to appeal....
I received a notice from the dmv that my address was requested and released pursuant to vehicle code section 1808.22. After a google search it says hit and run. But I never hit a car, what can I do.
Morning, to be honest, I don't know. I haven't dealt with the DMV much. This is kind of outside what I have done in the past. I would contact the DMV and see what's up I guess. Sorry I can't be more helpful on this one.
What if I accept liability and insurance demands I pay and I can not
Hi Barry, could you refer me to a car accident insurance attorney in Miami? Thank you!
Hi, when you say "car accident insurance attorney" do you mean you're having trouble with an ins co? The only attorneys I really know are personal injury attorneys - and they get involved in cases where there is a dispute over injuries. I don't know anyone personally in Miami. However, once, I was referred to a firm down there. I cannot say whether they're good or not, but you could give them a call if you wanted: Stewart, Tilghman, Fox, Bianchi, and Cain
Can you be denied if you allow someone to drive with valid license ? But not on your policy ?
Hi, it all depends on what it says in your ins policy. Get a copy of the policy and see or tell them to show you where in the policy it says that....
So is there anything we can do if we we’re denied for the last reason and accidentally put something inaccurate on our application when we signed up. They are trying to deny us because they said my mom said she owned one of the cars on the policy but she don’t
I see. Now your other comment makes a little more sense to me. You need to appeal the decision. Watch the video on how to appeal an insurance claim denial. Get a copy of the policy immediately and act immediately. Dont' delay. See what you need to do to appeal.
Hi Sir, my car roof got hit by garage door resulted to scratches and dent do you think cases like this will be approve by my insurance company
Hi, I honestly don't know. That is not the type of work I do. I would assume that it depends on what type of insurance coverage you have. Have you checked with your ins co yet? Barry
@@LawFull not yet Sir Im trying to get an idea from videos like yours as to what is the best approach to make, thank you
Reference is made to the above matter.
Please be advised that having checked the insured's policy and reviewed the investigator's findings, the information received shows that the Insured was operating the vehicle outside the scope of the terms and conditions stipulated by the insurance policy
Based on the foregoing, we regret to inform you that no indemnity will be granted from the policy.
We trust that you understand our position and will be guided accoridngly.
Yours faithfully,
AutoSMART Insurance underwritten by General Accident Insurance Company Jamaica Limited
What if you have the same insurance company how do you report for both
Hey, this happens often. Just call your insurance company and report it and ask them how to handle it from there. They'll know. No worries.
post trama suffering how to not have such claim denied
Hi, if you suffered any other injuries, I would consult with a local attorney to represent you. PTSD claims are tough to recover for - but if you legitimately suffered PTSD and received treatment for it - a good attorney can help you recover for it.
If the policy was cancelled after the accident because the car is not useful can we still claim for the damage?
Hi, very generally speaking, if the policy was in effect at the time of the accident, there should be coverage. But check your own state laws for more specific information.
Does an insurance company have to act in good faith when the driver admits fault and negligence?
I've never done a bad faith claim before or know much about them. But I'd assume they have an obligation to act in good faith all the time. Though what that means is fuzzy.
Thanks. A Saturday market vendor hit me. The city owns the property and is covered by each vendors policy. Each vendor is required to carry 1 million in product liability and 1 million in injury liability. My injuries are well over their coverage. If the insurance company offers maximum liability, 1 mil, can i still go to litigation? Happy Thanksgiving!
Hi my insurance company declined my claim. Claims said policy was late.called insurance agent said only thing that dropped was my renters insurance. claims said they need confirmation from agent to honor claim. Help I dont dont know what do from here.
Not sure I understand but I'd work with your agent to get this resolved. Not ssomething a lawyer can help with.
I was making a right on a green light the guy who hit me was making a left and hit me and his insurance denied the claim cause no witnesses, no police report and it’s my word against his is what they said. How do I handle this?
Morning. If they denied your claim you can either 1. use your own ins to get your prop damage covered or 2. file a lawsuit against the other driver (probably in small claims court if the $$ amount qualifies) and get your day in court. Do you have coverage to get your own prop damage fixed?
@@LawFull I only have liability coverage.
@@sandralomeli927 I was afraid of that. Well, if you really think the other party was at fault, your only other option is to file a lawsuit against him. Research the small claims court rules in your jurisdiction. You can probably find them on your local county court clerk's website.... Sorry you're dealing with this.
@@LawFull Thank you ☺️
I haven t heard from anybody and its been a week...my insurence company is sending out an adjuster and are willing to help because we have uninsured motorist for the other party...and on the police report the other driver was at fault because he went over thw double yellow lines while trying to avoid hitting the guy that was behind me...all I was doing was turning left onto my road and the guy straight up hit me!....instead of going into the ditch to avoid hitting the back of the truck that was behind me he went around onto oncoming traffic and hit me while I was turning onto my road!....i asked the insurence company to send me a copy of there policy that says they wont cover a person that is not on the policy!...but the father of the guy that hit me said his son was coverd on there insurence but he also said he called his insurence company and they had his birthdate wrong on file so they had to change it!...i dnt know what to do...ive seen reviews for southern general insurance and there all bad reviews...
Sorry you're going through this. Good though that you are using your own insurance because if the other guy really does have lousy ins they could drag it out forever....
@@LawFull I heard georgia law to accept or deny the claim was 40 days...our insurance said that we were covered even tho we only have liability we do have uninsured motorist and geico said they would go after southern general for repayment if they fixed my car for me
@@ClassicCityMinistry To be honest, I really don't know anything about Georgia law in specific....
Can I get my check from my insurance company after my car was Stolen and I can't find my title
Hi - I'm not really sure. That's not a situation I used to deal with. I did accidents etc. Not stolen vehicles. I'm sorry I can't be more helpful on this one.
Dealing with car insurance companies is the worst. They don't respond to voice-mails. You have to persistently call them to get anything done.
Yes, dealing with ins co's is very difficult.... Sorry you're going through this.
Do I need to have the titles in my name if my truck got stolen
Hi. I'd really like to help you. But stolen trucks and title are really outside anything I know about. Sounds like a question for your DMV or Dept of Transportation. I'm sorry I can't be more helpful on this one.
I got hit by a guy who has some dinky drink insurance company who is saying that there having an issue with coverage
Happens all the time unfortunately. . . These substandard ins co's are the worst to work with.
@@LawFull so our insurance said they would cover our damage since we do have like 100,000 in uninsured motorist and that I think they said they would go after southern general for the cost of having to repair my car!...ia that something insurance companys do to those that dont cover the claim even tho there policy holder was at fault?
@@ClassicCityMinistry Yes it's common. They'll pay for your damages and go after the other ins co for reimbursement....
@@LawFull ok yea thats what geico said they would do...there giving the insurance company 10 days to give them proof of coverage and if they dont give them what they ask for they will go ahead and fix my vehicle and get me into a rental till my car is fixed and go after the other company!...this southern general should not be in buisness...ive already filed a complaint with better buisness buraeu about there reviews on google...i Keanu so many people are saying the same thing that they either wont pick up the phone or call the people back and there denying the claims and telling them to file on there insurance!
@@ClassicCityMinistry Yep - substandard ins co's - they're the worst....
They denied my claim because they said I’m not disabled smh I was in a Uber
Hi, I would need more info about this. I don't quite understand. What type of case was this? Thanks, Barry
Mice got under my hood and chewed up the wires. This is covered in my policy. It is an act of nature like a tree falling on your car. How should i go about filing a claim? This seems to give my insurance company an awful lot of wiggle room. After all, you can't sue God.
"Coverage has been denied due to Vanessa V*****z an undisclosed driver on the policy ********** and she was the operator of the insured vehicle at the time of the loss. This falcon policy is a named driver policy."
"warning A named driver policy does not provide coverage for individuals residing in The insured's household that are not named on the policy."
I received this denial letter on December 23, 2019. I live in Texas.
The driver was Driving her mothers SUV with permission. When she clipped my driver side tail light spun me out of control and I hit the middle concrete barrier at 65 mph on interstate 10. Front airbags deployed broke my nose, suffered a minor concussion, and fractured my 4th, 5th and 6th ribs. Needless to say my truck was totaled and my 11 hour stay at the emergency room cost over $21,000. If I'm not mistaken I thought Texas had already did away with named driver policies back in 2014 and required an excluded driver that was specifically named on the policy was allowed at that time.....? HB 259 came too late for my passenger & I🤬
Hello Crystal, I'm sorry you're dealing with this. I don't know Texas law. I could refer you to an attorney down there but that's about all I could do in that regard. I'm sorry I can't be more help on this one. Barry
nice
Can I get my check from my insurance company after my car was Stolen and I can't find my title