Archive for the ‘Insurance Registration’ Category

Car Insurance problems?

Tuesday, November 24th, 2009
adidas_freak_71 asked:


My 2005 Saturn Vue was almost completely under water. I lived in Bridge City, Tx when Hurricane Ike came. I had full coverage insuurance, now my insurance company is trying to claim that we had 60,000 miles on the car but the mileage is digital so there is no way they could know. My husband changes the oil so we have no receipts that show the true mileage which is around 45,000 miles not 60,000. They are only offering 10,500 dollars for the total loss of the car. The blue book value, which my insurance company says they do not go by, is 13,800 dollars. I dont know what to do I have called a lawyer and they told me if I have no way to prove the mileage, then basically we are screwed. The problem is that we still owe around 14,000 for the car. I just lost everything I own in the hurricane, my house got 5 to 6 feet of water inside it. I don’t need this crap right now. So if anyone has any legal advice or personal experience it would be appreciated.
We have gone to several websites and looked up cars exactly like ours with the same mileage and they are all around 13,500 or more. We collected all that info and faxed it to the insurance company. And we have gone to edmund’s and we got the same prices.

Just booked a car rental in Orlando. Original cost: $215. After insur: $451.How can I minimize insurance fees?

Thursday, November 19th, 2009
dragon52 asked:


What’s the bare-bone insurance I really need t’have? I’m traveling with wife and 2 kids. AmEx covers CDW only.
I live in China, so I don’t have my own insurance when I’m in the States for 2 mths. Guess I have t’pay, huh! Is it possible to get car insurance just for 2 mths’s use, for use only with car rentals? If so, with whom? Got a website?

is insurance co. trying to get over on me?

Tuesday, November 17th, 2009
empire asked:


my car was stolen and totaled. the insurance co. is giving me 4 grand under blue book value. is this the way all insurance companies operate or am i getting a bad deal?

What to do now that wife got rear ended by drunk driver and no insurance?

Tuesday, November 17th, 2009
Isaac asked:


Las Saturday my wife was rear ended by a drunk driver with no insurance and a suspended license. She is fine, but the car is a total loss. Our insurance company hasn’t given us a settlement yet but have told us it will be totaled out. We have uninsured motorist insurance.

I check Kelly Blue Book and it looks like we still owe quite a bit more than the car is worth. Luckily we have gap insurance on the car. What I want to know is, is there any way we could get money on top of what we owe in order to put down on a new car?

Everywhere I’ve researched (besides asking our insurance company directly) it looks like we’d only get the value of the car. Couldn’t we at least get what we put into the car?

If anyone knows how this would work in Texas, please let us know. Also, would it make sense to hire an attorney in this situation?

Thanks in advance.

Red Book v. Blue Book Discrepancy?

Saturday, November 14th, 2009
Rex asked:


For a fully loaded 2003 Mitsubishi Galant (Model GTZ) , 4 door, V6, with 74,100 miles, the Red Book gives a retail value of approximately $10,900 while the Blue Book gives a value of $13,060.

How could there be such a large discrepancy? For those in the insurance industry, is the Red Book and Blue Book usually consistent?
Not that big? It’s 20%!!!

Auto insurance?

Saturday, November 14th, 2009
twocute4u asked:


When someone has and accident and their car is total and they have full coverage insurance on the vehicle, does the insurance company only pay the blue book value of the vehicle to the lender? Does the insurance company pay you anything once paying the lender off? How does it really go when a vehicle is total?

where can I obtain the value of a salvage vehicle?

Friday, November 13th, 2009
drngo asked:


I have a ‘99 lincoln navigator which was stolen and recovered. The insurance company is making it a salvage vehicle due to the repairable damage being 70% greater than the worth of the vehicle. They say sellable salvage price is $2130. I’d like confirmation on that price and find out if I can claim it for less. The insurance company is only paying the vehicle off and leaving me with nothing extra even to purchace another vehicle. So basically I am ending up with nothing. They also say blue book is not used by insurance companies to place a value on a vehicle so actually I owe more to the bank than the vehicle is worth.

Had new car stolen and they totaled it, how will insurance co determine what they will pay ?

Wednesday, November 11th, 2009
DT asked:


Will they use suggested retail from blue book or trade in value?

if i get a warning and im 16 and in the process of filling out the steer clear book with state farm?

Friday, November 6th, 2009
neon_stars_flicker asked:


then will my insurance company know about it and will it keep me from being in the program because the book says no moving violations. also in the state of fl if that matters