by Guest » Sun Jan 24, 2010 09:14 pm
Hello,
I was in a car accident the other day, going through an intersection a drive in oncoming traffic made a left hand turn in front of me. They were sighted for failure to yield at a left hand turn (and carrying more passengers than the vehicle accommodates.)
The accident is clearly the fault of the other driver (according to Arizona State Law). I filled a claim through my insurance company and they are providing me a rental car. The front drivers side and mid section of my vehicle are completely damaged and the car is not drive-able. The insurance company appraiser stated that the vehicle is repairable. Due to the amount of damage I believe it should be totaled.
According to KBB.com the car is worth approx 9k, prior to the accident. I am trying to figure out (but I can't find it anywhere online, or at the Department of Insurance for Arizona) what the legal OTL is. I'm assuming it is around 80%. Does anyone know, or can help me find what the percentage of Obvious Total Loss is in Arizona?
No, I'm not here to commit insurance fraud (I read some of the other posts on this forum and some people like to do silly things apparently). I just want to make sure my insurance company doesn't try to repair the car if it should be totaled.
Thanks,
Weylin.
I was in a car accident the other day, going through an intersection a drive in oncoming traffic made a left hand turn in front of me. They were sighted for failure to yield at a left hand turn (and carrying more passengers than the vehicle accommodates.)
The accident is clearly the fault of the other driver (according to Arizona State Law). I filled a claim through my insurance company and they are providing me a rental car. The front drivers side and mid section of my vehicle are completely damaged and the car is not drive-able. The insurance company appraiser stated that the vehicle is repairable. Due to the amount of damage I believe it should be totaled.
According to KBB.com the car is worth approx 9k, prior to the accident. I am trying to figure out (but I can't find it anywhere online, or at the Department of Insurance for Arizona) what the legal OTL is. I'm assuming it is around 80%. Does anyone know, or can help me find what the percentage of Obvious Total Loss is in Arizona?
No, I'm not here to commit insurance fraud (I read some of the other posts on this forum and some people like to do silly things apparently). I just want to make sure my insurance company doesn't try to repair the car if it should be totaled.
Thanks,
Weylin.
Posted: Mon Feb 08, 2010 07:42 pm Post Subject:
Nor do I want to pay them as I decided not to repair the vehicle and I made a verbal agreement with the owner not to repair the vehicle without further notice.
That's going to be tough. They have in writting your authorization to repair it. There is nothing in writting that told them to stop. However, if you told them to stop they should have, the car should have been removed from a technicians stall, and or you should have made arrangements to move the car the same day you told them to stop. Whats the reason(s) you did not make those arrangements?
Posted: Tue Feb 09, 2010 07:04 am Post Subject: Car accident
There is nothing much to do at this point. You do need to pay the repair shop before they release your car. They cannot be held liable in any way. A written authorization cannot be canceled verbally.
Posted: Thu Mar 21, 2013 11:37 am Post Subject:
Insurance goes with the vehicle, not with the driver. Renewing the insurance on your current car will not do a thing towards coverage on your new one. No, you can't drive it off the lot without insurance in place. Just let your insurance know you are buying a new car, when you pick out the one you want, contact the insurance and they can get the needed information to fax you over a card so you can drive it off the lot.
Posted: Fri Mar 22, 2013 12:47 am Post Subject:
Insurance goes with the vehicle, not with the driver
100% wrong!Auto insurance is called "PERSONAL AUTO POLICY" for a reason. It covers all insured persons under the contract, regardless of the vehicle they drive. Premiums for collision and comprehensive are factored for the insured vehicles.
contact the insurance and they can get the needed information to fax you over a card so you can drive it off the lot.
At the moment of purchase, this is unnecessary if a person has existing insurance.When a person purchases a new vehicle (additional or replacement), they have limited coverage for that vehicle under their existing policy. You don't need to obtain the new/additional coverage before you drive off the lot. It will be necessary to provide that information to the insurance company within a limited number of days for coverage to be continuous.
[Actually, I think this is a spam post. It is not responsive to the thread, but seems to provide relevant information that is incorrect.]
Add your comment