http://backend.userland.com/rss092 http://www.ampminsure.org/rss/community.xml lakemen@ampminsure.org Wed, 20 Aug 2008 16:20:35 GMT en-us http://www.ampminsure.org/start/about5482.html http://www.ampminsure.org/start/about5482.html Hello everyone. I am new to this community and have been reading some of the threads on here to find some answers. Well, I couldn't but from all the responses, you all seem like such nice folks and may be able to help me out! Ok, so here is the scenario. My younger brother's vehicle has liability insurance only and he lives with my mother. My mother took his car without his permission and was in a car accident involving a MAC truck. No parties were injured, his car was totaled and the truck has front damage (appraised at $3,500). The issue here is that my mother does not have a valid drivers' license and has a mental disability. She somehow got her hands on the keys and drove it around the block (where the accident occured). THANK GOD she or anyone was not injured. His insurance will not cover since she is not on the policy and there is only liability coverage anyways. The owner of the truck has sent him a bill for $3,500.00 that was appraised at a local shop. The damage did not look like $3,500 but this is what the truck driver was quoted. What are his options now? His insurance is refusing to help or even guide him anywhere. Is he SOL unless he press charges on my sick mother for vehicle theft (which is out of the question)? Can he get this appraised himself to confirm if this is a reasonable price for damage? Thanks in advance! -Sam http://www.ampminsure.org/start/about5479.html http://www.ampminsure.org/start/about5479.html hey as you can see from my question .. I have reached the limit minimum of 10$ in my earnings for the payment to be made .I don't know whom to ask for the payment and how I am going to be paid or whether I will be paid at all ? http://www.ampminsure.org/auto/lease-collision.html http://www.ampminsure.org/auto/lease-collision.html I have a 2005 Echo that is a lease. I was in a collision andamp; was told by the collision center that if they use recycled parts the car can be fixed andamp; if they use new parts the car is a total loss. My adjuster is pushing to fix the car, but I would rather have it deemed a total loss to avoid headaches at lease maturity (the insurance company seems to think nothing can go wrong) since I will not be buying the car out at the end of the lease http://www.ampminsure.org/auto/umc-repair.html http://www.ampminsure.org/auto/umc-repair.html Hello, I've just found this forum and I must say that there certainly is a wealth of information here. I hope that I'll be able to contribute as much as I'm learning. I've used the search function and so far I've not found an adequate answer to my question. Here's the scenario: I was hit from behind in my '03 BMW while sitting stopped in traffic. The negligent party is at fault as per the police report. He's also uninsured. That means that my claim is filed with my insurance company (USAA) as an Uninsired Motorist Claim. Since I'm pretty new in the local BMW community, I've asked the car club members to recommend a repair shop for my baby. As is my right, I selected a shop based on enthusiast testimonials and a look at some of their work, then took my car in to get an estimate. The estimate came back just over $10K to fix the rear quarterpanel, trunk, bumper, trim, etc. Then the USAA adjuster took a look at the car and came back with a quote just under $7k to fix it. The discrepancy, according to USAA, is that the shop parts prices are higher than USAA thinks they should be and the labor is more expensive than they're willing to pay. This sounds like complete nonsense to me; if the labor and parts at this shop were far more expensive than any other shop, how would they stay in business? I have just received both quotes in writing so I'll be going over them as soon as I can. One interesting thing of note is that there are 11 fewer line items on the USAA quote versus the body shop quote. Another difference is that the shop wants to charge me for labor tax, and USAA hasn't included that (or it doesn't appear to at this time) on their quote. I don't really know how to proceed from here. I would like my car to be fixed at this shop due to the quality of work they do, but I don't really think that I should be paying 1/3 of the cost to do so, when the accident was through no fault of my own. Does anyone have any advice as to how to go about getting my insurance company to pony up the cash to fix my car to my satisfaction? Failing that, and ideas as to how I should proceed with this? Thanks in advance. Emp http://www.ampminsure.org/auto/defensive-driving-classes.html http://www.ampminsure.org/auto/defensive-driving-classes.html I recently got a ticket and the court date is sceduled for the 4th of september. It was for careless driving which constitutes 2 points, i was wondering if i could be able to take the defensive driving classes now so that the point reduction will be effective when i go to court. Or will the point reduction be ineffective until i accutally get points issued? http://www.ampminsure.org/auto/structured-settlement.html http://www.ampminsure.org/auto/structured-settlement.html I was in a wreck in Dec. 2007. The insurance company just made offer of $600,000. My lawyer said the adjuster wanted to know if I wanted to do a structured settlement. I really don't want to do that. Does it make a difference in offer amount if I didn't do structured settlement? http://www.ampminsure.org/auto/speeding-ticket.html http://www.ampminsure.org/auto/speeding-ticket.html I was wondering how long a speeding ticket can be held against me for my insurance purposes? I mean ,right now I have got a speeding ticket and imagine I want to take an insurance of my own some 2 years later and whether the speeding ticket I have got now will have any bearing on the insurance premium I will be asked to pay? And do I have to mention it to the insurance companies about my speeding ticket ? http://www.ampminsure.org/auto/electric-scooter.html http://www.ampminsure.org/auto/electric-scooter.html I HAVE A SMALL andquot;PRIDE GO-GOandquot; SCOOTER WHICH I USE ONCE OR TWICE A DAY TO GET TO THE DINING ROOM IN THE LIFECARE LIVING FACILITY WHERE I RENT. I AM TOLD IT IS RECOMMENDED TO HAVE INSURANCE COVERNING ME IN CASE I INJURE SOMEONE WHILE OPERATING THIS. WHAT KIND OF INSURANCE DO I NEED IF ANY FOR THIS SPECIFIC ITEM? IS IT COVERED BY AUTO INSURANCE ALTHOUGH NO TITLE OR LICENSE IS INVOLVED. http://www.ampminsure.org/auto/rental-insurance.html http://www.ampminsure.org/auto/rental-insurance.html Hi guys I am planning to sell my car and also cancel the insurance associated with it and also planning to rent a car .. Is there anything called rental insurance and if so am I required to have one? One more thing if I rent a car using my credit card will it have some provision for providing some kind of insurance cover for my rented car ..? http://www.ampminsure.org/auto/pip-vs-bi.html http://www.ampminsure.org/auto/pip-vs-bi.html Hi people, What is the difference between personal injury protection and bodily injury protection .I did a bit of googling and found out that PIP pays for the medical expenses of the insured along with others who were in the same vehicle and also any other pedistrians who might be injured in the accident ..Bodily injury protection provides for injury to other people other than the insured ? Am I right ? If so PIP which provides a wholesome coverage is better than Bodily injury insurance and would be the better option to go ? If I am wrong in what context BI is better than PIP ? and where it will actually come to help ?