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This does mean that they are commming after you. However, because you have nothing, what is there to take? Some insurance co are agressive, other might go away, Good Luck!

I am not familiar w/PA law, but I can give you some suggestions. 1. You have to file against their insured, per the policy they will have to defend them to the policy limits. 2. Provide them with comparables in you local area for evidence of actual cash value of vehicle. 3. We...

Suggestions Your friends insurance coverage will apply if he can confirm permissive use. Even if the vehicle is not primarily driven by him and your not listed on the policy, you are still covered under his policy. You need to file a clain throught the other persons carrier. Just find out...

The insurance company is not going to pay. They insure you, not the thief. Your insurance company should have made you fill out a bunch of paper work such as an affidavit of theft ect, and file a police report. All of that should have been done to prove to the property owner and the court that...

Check your insurance policy that was is effect on the date of loss and see if you have med pay or bodily injury coverages, if you do turn it into your insurance company. Statute of limitations vary, but where I am from its three years. Your insurance company should have taken care of this for...

Straight up First of all, I have handled the same type of claims that you have. Your medical bills would be covered under med pay coverage, and if the insured didnt by that, they have to have some sort of bodily injury coverage. Simply put this is a policy limits issue. Your claim might exceed...

liability This I believe would fall under garage keepers liability insurance. The vehicle was in their care and custody. If the shop was neglegent in the way that they stored your vehicle, they would be liable. Ask them who there insurance company is and try discussing this with them. If you...

I have no clue as to the detail on flood insurance or claims. In the claims world that I am in, we routinly obtain property damage releases AFTER the owner of said property has been properly indemnefied. When you sign a release you are saying that you will not hold that person or business...

Generally uninsured motorist only covers bodily injury, not property damage. Try to get a copy of the other persons insurance policy to vewrify. That will also state the process they use to collect damages from the uninsured. So your son would still be on the hook for the damages to the car he...

I am not a lawyer but I would disagree with the attorney on the pictures. Pictures of the vehicle would be necessary to prove point of impact, severity and the movement of the human body due to the impact. Damage to a vehicle is very telling of how somebody was injured. Therefore, I dont...

The driver might have been operating the vehicle under "permissive use" from your daughter. Check you local laws regarding the scope of permissive use. Your insurance company should have settled the total loss according to the language in your policy and state laws. Generally the will either...

recourse I assume that you do not carry comp/collision coverage on your insurance policy, do you have UM/UIM coverage? If you had collision coverage, you could turn the claim into your insurance carrier and they would pay for your damages according to state law and policy, and would go after...

I would start off writting a letter to the adjuster stating that you do not believe that you are at fault for this accident at all. The road conditions were snowpacked and icy, you were exercising extreme caution due to you being familiar with the road and the road conditions. The other party...

A few questions. How far out in the road was the rear of your vehicle? Is this the road both of you travel on a regular basis? What amount of damages are you claiming for the vehicle and how did you get to that number? Are there any witnesses? I think I remember you saying no. Who is...

I would call progressive and request the time and date that the policy application went in, trust me, they have to know for the exact situation I described above. Call them and see if they will email, fax or regular mail the info. I think that if you can show that you applied for insurance...

When did you actually appy for the insurance coverage? If you can show that you applied for coverage before the citation, the judge might be nice enough to let it go. The code that you are reffering to might not apply. Read your progressive policy and see what it says about a non-owned vehicle...

proof of insurance Scooter is exactly right. Take in the receipt for your payment for proof. An insurance company should upload the policy to the company right after they recieve your payment. Find out what time you made that payment and what time they uploaded the policy to the company...

I still have not seen one shred of evidence that you were negligent in any way. Were you accused of speeding? It looks as if you realized that there was a potential for an accident and did the best you could to get out of the way. I am going to guess at what mabe comming into play. I am...

I worked in a major collision repair facility for a long time, so I have delt with this exact situation many times. I am not sure what your local laws are, but I can give you some advice. The warranty on the rear end (part) would not be the responsability of the shop, but of the seller of the...

Ask away my man, I am more than happy to help as much as I can. I usually dont get to post until late at night after the kiddies are in bed, so bear with me. I cannot determine by the photos and what you are telling me any sort of liab. In real life I would take her side of the story into...