Will Auto Insurance Pay Medical and Car Repair Expenses?
Reader’s Question:
Hi. I’m between policies, I got hit by a car that was insured. Is it possible to charge my medical expenses and the repair of my car? This happened in Davenport, Iowa.
Dolores
Davenport, IA
What a lucky lady! You know what, Dolores, you should thank your stars you’re from Davenport, Iowa. Had you come from other states, you would have had a bigger problem. So, right now your one and only problem is if it is possible for the driver at fault who is fortunately insured to cover all your medical expenses and all the costs that the repair of the damages to your car will incur? That is an interesting question. First, I know that your apprehension is that the insurance policy of the driver that hit your car will not cover all your expenses because you are not insured yourself. Well, because you’re from Iowa, the state’s law protects you because it is not mandatory in Iowa to have a vehicular insurance. However,
I really hope you have liability coverage for bodily injuries and property damages because that’s the only requirement that the state of Iowa asks of its residents. As a matter of fact, even if it appears that you are at the losing end because of the absence of an insurance at the time of this accident, you sure can claim liability from the offending driver’s insurance policy because that’s how insurance works in general.
Car Repair Cost More Than My Insurance Company Estimate – Help!
Reader’s Question:
My wife just had her first accident, thank God nobody is hurt. At first I thought it was just a minor accident and the cost of damage for the repair is not that much. But now, I am thinking the other way around, after the repair shop in Chandler, Arizona send us the quote it was such a price and the insurance adjuster provided lesser amount telling us that this is only the collision coverage can cover for. Whew! Any idea, what else can we do?
Rob
Chandler, AZ
Let me start first with your Collision auto insurance coverage. It is a part of your total comprehensive auto insurance package. Now in your policy, if you can review it. It is agreed in there that the insurance company will carry all the damages and repairs but this is limited to the vehicle. There are times that the value of the vehicle is less than the cost of repair to the vehicle. Collision auto insurance covers the cost of damage and repairs but it doesn’t mean guarantee for replacement or replacement value.
The insurance adjuster only received the description of the damage of your car, he then seek for an estimate for repair of the said damage. Only that, it appears the estimates he had is lesser than the cost of repairs the shop provided to you. I think the amount that the insurance adjuster offered was correct.
The collision auto insurance coverage provided options for you. First, you can accept the offered amount go for the repair and shoulder the excess amount. Second, you can negotiate with your insurance adjuster, but if you are still unhappy with the outcome you can go to the third option. Third, file your complaint at the state insurance agency in Arizona. This agency will review your collision auto coverage and evaluate it with your insurance provider. Try to research online too for auto insurance options in your area. Insurance sites like this one will be able to route you to auto insurance rates comparison in your area.
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