Reader’s Question:

I was in a car accident in Meriden, Connecticut where I was rear ended. The law enforcement made a report and gave the other driver ticket. I now need a rental vehicle while my vehicle is being fixed. The other driver’s insurance carrier won’t pay. How can I get them to pay?

Brad

Meriden, CT

The Connecticut Insurance Department states that, if you incur property damage to your car as a result of someone else being at fault legally, you are entitled to compensation for loss of use of your property. In such situation, you are entitled to a comparable rental car or reasonable compensation, regardless of whether you have incurred an expense for rental, for a reasonable period of time necessary to settle your insurance claim or repair your car.

So if you are making a third party insurance claim through the at-fault driver’s property damage liability coverages then according to the CID that you should receive a rental vehicle that they pay or reimburse your for or at least reasonable compensation.

If you are making a third party insurance claim through the insurance company of the person that rear-ended you in Meriden, Connecticut and they continue to refuse to reimburse or pay you for a rental vehicle then contact the Connecticut Insurance Department for consumer advise on what steps to do.

Tags: auto insurance claims, car insurance

Reader’s Question:

I have had my 2004 vehicle for ten months and I crashed it into a tree. I had let my car insurance lapse two months ago so I did not have car insurance coverage. I was hospitalized for several weeks. Should I inform my finance company in Des Moines, IA? What will happen then? Are they going to sue me?

Gene

Des Moines, IA

Your lien holder in Des Moines, Iowa requires that you carry physical damage coverage to your automobile to ensure that any damages to your car will be repaired. Since you did not have auto insurance coverage, you will ultimately be held liable for repairing your car as well as being responsible for any other damage you caused. Some lien holder’s force place insurance coverage on the car when they are informed that you do not have your own car insurance policy. If so, your car may be covered for this loss.

I am unable to offer any legal advice regarding your car insurance policy. So, you may want to consult a lawyer to know your rights as well as your legal obligations.

Tags: auto insurance lapse

Reader’s Question:

My question is, can two person be insured on one vehicle through two different insurance carriers?

Reed

West Des Moines, IA

It might be possible to have 2 separate car insurance polices for 2 different people on one car in West Des Moines, IA. Insurance guidelines vary though so you may want to check with different insurance carriers to see if what you want is possible and permitted by their guidelines.

This type of double insurance on a car typically is not necessary and may go against many insurance carriers underwriting guidelines, since normally one insurance policy would be able to cover all the drivers of the car.

So while it might be possible for 2 people to insure the same car through different insurance carriers it might be difficult to find insurance companies that would allow this.

Tags: car insurance

Reader’s Question:

How many years look back do I need to go when giving driving history for my auto insurance in Waterloo Iowa?

Watkins

Waterloo, IA

The length of years that an insurance company in Waterloo will “look back” at your driving history or the amount of years in which you will need to provide information on your driver’s record to an insurance company will differ depending upon both state laws and the internal guidelines of an insurance carrier.

Insurance companies tend to look back at your driving record or MVR for either three, five or seven years. If you are applying for a car insurance policy you will need to provide information on your driving history for the time period the insurance company requests. If you give inaccurate information it will then affect your auto insurance quote.

Tags: car insurance quotes

Reader’s Question:

What is the insurance policy for guest drivers in Dubuque Iowa?

Jenkins

Dubuque, IA

Insurance provider’s guidelines as well as individual car insurance policy terms in Dubuque Iowa vary but generally if you permit a guest to drive your car normally your auto insurance coverages will extend to this individual that you have given permission to drive your car.

To make sure that there are not exclusions within your car insurance policy that would let your insurance company to deny insurance claims arising from a friend or guests driving your car it is usually best to read through your car insurance policy as well as discuss with your insurance agent to make sure the guest can operate your vehicle and be properly covered by your car insurance.

Tags: auto insurance