Auto and Car Insurance

is there a grace period for insurance in california on a new vehicle? How long can you go without insurance after purchase of a new vehicle? I know it should be done immediately but I have other things going on right now and dont have time to get quotes currently. If there is no grace period I just wont drive until I get insurance.

Do you have to have a valid drivers licence to register a vehicle in California? Also, can you get insurance (in California) on a vehicle? Just THE vehicle, doesn't matter who's driving?

Is there a grace period on car insurance coverage after a cancellation for California with Mercury insurance? Had coverage with Mercury insurance. Expired 12/05/07, but renewed it on 12/07/07. During the on day lapse was hit by an uninsured vehicle and now Mercury insurance states there is no grace period, so I wanted to know if there is a California law that states other wise?

Can insurance change your vehicle designation? repairs on my motorcycle which included frame change were authorized by my insurance. However the new frame came w/o a vin # which I had to get stamped for a new title. Now I have a "specialty constructed vehicle", which is not for resale in California. is this legal?

Can you ride a motorcyle off the lot without insurance in the state of California? I am originally from Florida, there it is a crime to drive any vehicle off a lot without insurance. My boyfriend bought a motorcycle here in California and they never mentioned anything to him about it. He was involved in an accident shortly after purchasing the bike and he did not have insurance, can we go after the dealership for not making it a requirement? If of course it's the law in California?

Does uninsured driver insurance cover a hit and run in California? Hi! My car was smashed by a hit and run driver (fortunately I was not in it). Unfortunately, it seems unlikely that the police are going to find them. I only have liability insurance. I have found several anecdotal accounts of people in California having their uninsured driver insurance, included in liability, cover damage to the vehicle caused by a hit and run. A lawyer also told me this is the case (he was not soliciting my business but happened to be passing by when I found my wrecked car). My insurance company told me that in California, uninsured driver insurance only covers KNOWN uninsured drivers, and if they don't know who hit you, you're out of luck. Does anybody know if there is some legal loophole I can throw at the insurance company or anything? Or is this kind of thing at the insurance company's discretion? I don't know how other people could have gotten paid for their cars in this situation if it's really not required by law. Thank you. Additional info: I do have uninsured driver insurance, for both bodily injury and property damage...my company includes it in liability.

what happens in california if you are stopped without car insurance? I read recently that 47 % of cited / stopped Drivers in California have NO License, NO Insurance, and NO Registration for the vehicle (of that 47 %, over 92 % were illegals). I am just wondering what the penalties are if you are caught driving without car insurance?

can I drive a vehicle in California with a salvage certificate until I get it reregistered? despite some minimal body damage to my car, the insurance company of the guy who hit me has determined the vehicle to be a total loss and so I have to obtain a salvage certificate. Can I obtain a certificate and then drive the car around for a few days so I can get the requisite inspections done to get the car reregistered?

I was involved in a car accident there was no insurance on the vehicle I was driving.? But I do have full coverage on my primary vehicle. What will happen? I live in California. I had a tire blowout. One vehicle t-boned me on the passenger side and the first vehicle i hit.

Can you have 2 different auto insurance policys in california? If you already have one through another company for your vehicle and then you purchase another, do you have to stick with the same company for both or can you have 2 different ones??? I live in Cali. Thanks I have never heard of "cali" as a negative connotation, but i haven't been to the east coast, nor do i know anyone from the east coast. As far as collecting on 2 policies, that isnt the case. I'm not trying to commit insurance fraud. I am currently the primary driver on a full coverage vehicle, and am on a policy with my fiance. He is the primary on another vehicle, but it only has the legal bare minimums. He has tickets so thats why he is on the less expensive vehicle, but if i were to get another full coverage vehicle, he would be primary on one of the 2 with full coverage, which would cost a lot more than me getting a seperate policy. Does this make more sense now?

Does anyone know where on the Internet to find California vehicle codes? I WAS BACKING INTO MY DRIVEWAY WHEN A LADY HIT THE FRONT OF MY CAR. MY INSURANCE SAYS I MAY BE AT FAULT

Who is California Insurance Comany? MY BOSS WAS IN AN ACCIDENT RECENTLY, WHEN THE INFORMATION WAS EXCHANGED, THE OTHER PARTY WROTE DOWN CALIFORNIA AUTO INSURANCE COMPANY AND A POLICY #, NO PHONE NUMBER, HER NAME, MAKE OF VEHICLE, MODEL AND VIN#. HOW CAN I FIND OUT THE PHONE NUMBER WITH THIS INFO. ONLY?

how do you become a licensed truck/auto insurance agent fot the state of california? i'm interested in becoming an insurance agent/broker for commercial vehicles. How do i get started?

Moved from Oklahoma to California. Do I need to change license/plate/insurance? I'm an out of state student at California and because my Oklahoma license is going to expire in a month, I need to figure out quick. I'm trying to either renew my Oklahoma license or get a new california license... Do i have to take the test again if I'm an out of state driver? (over 18) Also if I renew my oklahoma license, can I still get a california license plate (i need to get insurance and i don't know if my company will give me california insurance if my car's still registered in Oklahoma) ORR can i get california insurance although my car's registered in Oklahoma? And How does vehicle registration go in California? I'm confused and I have nobody to help me so I'm confused. Did anybody ever move to california from another state with their car? can anybody tell me how that went? I'm sooo confused.

How much is the expected fine in California for driving with stolen tags, expired registration, no insurance? Recently a friend was driving in Stanislaus County using apparently stolen vehicle registration tags, an expired registration, and no insurance what so ever. What is his approximate fine for these infractions?

Can I use a rented car to take the driving test in California? Can I use their liability insurance? I think Enterprise-rent-a-car does not allow the use of its vehicles for driving tests. I need a license to get insurance and (liability) insurance to get a license. Is there a way out?

Do I have to always have my vehicle registration with me even if I have insurance papers? (California) Someone broke into my car and I'm afraid they'll do it again as I haven't beefed up the alarm. I don't want them to take anything important so I don't keep the registration in the car anymore. Do I always have to have registration with me or will insurance papers do? I carry an auto insurance card with me at all times so I figure if I get pulled over I can go with "license and insurance" rather than "license and registration". Do you guys know if this is okay? Thanks!

Have you heard of a car insurance company that will help pay for vehicle registration as well? My family is having some financial problems...we really need to get insurance for our car and also get it registered. I live in California and my husband said he saw a car insurance company that will also help you get your car registered with the DMV. But he can't remember the name of the company. Does anyone know of what I am talking about and which company?

Vehicle Registration Canceled in Los Angeles California? My vehicle registration was canceled 4 months ago because i didn't have insurance. I just purchased insurance and want to restate my registration. what should I do and about how much do I have to pay?

In California can an injured party collect pain and suffering if he had no insurance? His car was totalled, he was severely injured and the other driver was arrested because she was a drunk driver. He had no insurance on his vehicle yet.

Buying and Registering a Car + Insurance under 18 at DMV without parental consent. CALIFORNIA DMV? Well, I have been looking through insurance sites, and have found that it is pretty simple to sign up for your car and insurance, and easily pay online. I don't think I'll have a problem with insurance, but just in case. Anyways, my friend told me that two of his friends have registered cars that their parents don't know about, and I might be able to as well. They did not use their friends over 18 to get it. Is this really possible for a minor to purchase a vehicle, and register it through DMV? Same goes for buying insurance. I have a bank account with a few grand, also got a debit card and paypal account for online purchases. Got my DMV license as well. Please post sources if possible, this question is URGENT.

Multiple auro insurance for vehicles in different states? Me and my fiancee are relocating to different states for new job. I am moving to south Carolina and she is moving to san diego, California. We have multiple vehicle insurance discount now. If we move is it better to register both vehicles in one state to save on insurance , title and registration. I heard it is expensive to register vehicles in california. Can I register the vehicle in my name in south carolina. she is going to be there working at UCSD and the stay is temporary (max 2 years) or is it against the law? she will be working full time. I am on the title with her. thats why i am thinking about registering in south carolina in my address.

should vehicles coming into california be checked for smog like the rest of us.how about liability insurance?

Can you report someone who caused a traffic accident in california while driving without insurance? Long story short - The individual in question caused a traffic accident which destroyed my vehicle. He provided a valid California Driver's License and insurance information to the police at the accident scene which had lapsed over nine months prior, and therefore was driving uninsured. I have heard from someone that it's possible to file something with the California DMV informing them that this individual caused an accident while driving without insurance, and the DMV subsiquently penalizes the driver. Does anyone know if this is true, or what the process is to report it? I did not have uninsured motorist coverage, and am now suing in small claims court. The police aren't doing anything, because they only needed to see the paper proof of the insurance at the scene, but that policy hadn't been valid in months. They don't attempt to verify the legitimacy of the insurance at the scene, and they won't do anything after the fact.

Is there any way to get around having to have insurance to register my truck? I live in California. I have a 1987 Bronco that has expired tags on it that I want to sell. I would like to get the tags current before I sell it, but it seems in order to register it I must have insurance on the vehicle. It just seems like a waste of money to insure something I'm just going to sell right away. Any suggestions? Thanks.

When does health insurance expire when you move out of state? Suppose you have health insurance in New York, and you plan to move to California. Before the actual move, you drive a vehicle across country, get a California license, register your vehicle, and register to vote. Then you fly back to New York for four months. You go to the doctor, and your NY insurance pays up. But then you get a letter from the insurance company, sent to the CA address but forwarded to NY, saying they heard you'd moved, so your insurance will be cancelled. You write back, telling them their information is premature, and that you'll change insurance when you complete the move. After four months, you complete the move to CA, and two days after your arrival, you start feeling woozy -- feverish with occasional headaches -- requiring bed rest and lots of fluids. If this doesn't clear up in a day or two, you'll want to see a doctor. Will you be covered by the NY insurance, given that you haven't had time yet to get CA insurance? For Mountaintop & others. Was in CA only 3-4 days the first time, just to register, etc. Seems to me your residence is the primary place where you sleep, and that just (recently) changed from NY to CA. Comment? For mbrcatz & others. The health insurance in question is a Medicare HMO. I think the govt. pays the carrier. If they take the money, does that matter? And if they say residence changed upon registration, and they refund the premium, who gets it? The government? And if the NY coverage was cancelled, there's always original Medicare, isn't there?

Will AAA of southern Ca raise my insurance rates for a no-fault accident? I have AAA of southern california auto insurance. While my car was parked in a parking lot, a vehicle hit and damaged the front end of my car and then left (I was not present at the time of the accident). Will it raise my insurance rates to report this accident and then have the damages repaired?

Got into a Rear End Collision in California? I got into rear Ended and the Calfornia Highway Patrol blamed me in the report that I caused the traffic collision in a violation of California Vehicle Code section 21658(a) VC- Unsafe lane change. I believe it was not at all my fault and the other party gave a wrong statement. What can I do in this case. Will my insurance go up??? Well I got hit by a Toyota Tacoma Truck... Also I have a left lane signal and I was coming out of the Santa Monica Blvd ramp and was merging with the traffic... Well I agree what linlyons said... but in the report it said that the other party (she) looked down to turn down her radio and looked up again and I was entering in the lane #5 in front of her which didn't giver her time to react... so now what do you say in that regards...

california statute of limitations on a lien on a vehicle? A lien was put on a vehicle in 1998. The lien was due to "insurnace" that was supposedly not paid. Then, the "insurance due" was tacked onto the end of the loan. The lien was for approx $10k. The owner of the vehicle passed away in 1999. The vehicle has been sitting ever since. I have been given the opportunity to own this vehicle for free (the current vehicle value is less than $1500), however I cannot get the bank to release the lien. I would think that 8 years later the bank might release a lien on a vehicle worth nothing. Is there a statute of limitations on how long a financial institution can hold a lien? Chris

Can I donate a vehicle and have my father claim the deduction? Hello, I have a car I am considering donating before I move out of California. My dad (who lives in Pennsylvania) bought me the vehicle several years ago, and put me under his insurance, but it was not registered in his name. Since I may not benefit from the tax deduction (I heard it's better for people with mortgages or other expenses), would I be able to donate it and give the proper forms for my father to claim? Would it matter that my dad lives in a different state than me? Thanks in advance.

What are some suggestions you can make regarding insurance settlement? My son bought a brand-new car just 6 weeks ago, and a week ago, the car was badly damaged in a hit & run accident. We got word from the insurance co. that the car is being considered a total loss. The amount that the insurance company is offering is about $2,500 less than what we bought the car for (purchase price plus tax, license and registration only, not including the finance charges). They claim that the car lost a significant value when it was driven off the lot, but we can't buy a replacement with similar options with what they are offering. What's the best way to research and negotiate a reasonable "comparable replacement vehicle" value? They definitely want to low-ball us and I want to make sure we will settle for an appropriate amount that will allow us to easily replace the car in the shortest amount of time. If it makes a difference, I live in California and am dealing with UniTrin Direct auto insurance. FYI: I found a comparable used car with the exact same features as the one we lost. The only difference is that it has 6200 miles on it, whereas our car had only 4100. The used car is selling for $15,500. I've also shopped around the local dealerships and have quotes that are less than that for a NEW car to replace ours. I guess the problem is in how you define the Actual Cash Value. There seems to be some misinterpretation of just what I'm expecting here, so allow me to clarify so that I can get the most appropriate answer to meet my needs: I am NOT expecting to receive a NEW car here. Prices I've found for the USED car that matches my make, model, year, and options are still higher than what I'm being offered. According to the Department of Insurance, I'm entitled to receive the amount equivalent to a comparative replacement at it's current market value. The confusion is what constitutes a fair market value for my car prior to its accident. What I have been offered won't even come close to buying a USED version of my car with the same options as my wrecked car. That value should take into consideration the diminuation in value when the car was driven off the lot, but it seems it would still cost more to buy the used version of the same car. Good news! Got comparable quotes from the insurance company from about 100 miles away from me. Got my own comparable quotes from 40 miles or less away from me. They have since raised their settlement offer to a number that is getting dangerously close to appropriate, enough to actually get a replacement vehicle.

Are there any business besides the DMV that allow you to pay vehicle registration and that issue tags? I have in advertantly forgot that my vehicle registration was due by the 26th of April and AAA is closed on Saturdays and they have my insurance policy is there a business here in San Jose California that allow you to pay registration and that issue motor vehicle tags?

I have a provisional license in California and do I need to get insurance if my parents are already insured? I am under 18, and I have a provisional license in CA. The law requires that you have proof of liability when you drive. Can I use my parents' insurance/liability on the car when I drive it? or do I need to get separate insurance for myself? I've been getting mixed results from my friends, some who say that you need to get separate insurance for the vehicle, to some who say that you can "add" insurance for yourself under your parents' name. Thank you in advance! =D Yes, they own the vehicle. Right now, the vehicle is solely insured by my dad. Does this mean that I need my dad to add me to his insurance? Or can I just drive using his insurance card (without taking any extra steps)?

What do I need to register my vehicle for a template until I can get stickers for it? I live in the state of California and just bought a car from a friend. Unfortunately they allowed thier plates on the car to expire and I need to get my car tested for smog. Now what I would like to know is if any one has bought a car from a private party and needed to get templates before registering the vehicle, what they needed to bring in with them to the DMV. I have the title to the car and proof of insurance, also my drivers license. Do I need anything else in order to get templates. If you work for CA DMV or you know what I need, please let me know, Thanks for your time.

When to add insurance a newly purchased used car? I'm purchasing a used truck from a relative of mine for pretty cheap and I'll have to drive the vehicle back down, about 130 miles, to my city by myself. My question is do I have to purchase insurance for the truck before I go up there? Or do I have a grace period where I can drive the truck (say 5 days) without insurance and then once I have the title and other paperwork in my name, go and get insurance? I'm in the state of California, if that helps.

Can I insure my car in California if it is registered in Oklahoma? I currently have insurance in Oklahoma. My permanent address is in Oklahoma but I am stationed in California and California doesn't require military personnel to register their vehicles there.

How do I get on vehicle registration in California if the vehicle is financed in another persons name? I went through a divorce and was awarded our Chevy Truck. It is financed in my ex-wifes name. I am currently on her policy as an additional driver but I would like to get my own policy. The vehicle can't be refied because mileage and year. An insurance company told me that I need to be on the registration to do so. How can I get this done? Any help would be appreciated. I already checked with the DMV, they were know help. I emailed the lender and am waiting. I figured this has happened to someone before so I am hoping they will have an answer.

How do I register my vehicle in Mexico? I retired to Baja California in 2007. My Nevada registration is now expiring. Can I register my 2003 Toyota Corolla in Mexico and get BC plates? (no J vin) If not, do I need to renew my registration in Nevada and purchase US insurance? I don't plan on driving there anymore. I guess I need to register it somewhere but where? I know I cannot sell the vehicle in Mexico.

how do you become a licensed truck/auto insurance agent fot the state of california? i'm interested in becoming an insurance agent/broker for commercial vehicles. How do i get started?

Temporary auto insurance for move? I'll be moving to Oakland California from Phoenix Arizona and I was wondering if there is such a thing as temporary auto insurance. My vehicle is not currently insured, but I can get a temporary registration from AZ DMV. That would allow me to drive my car for my move. I will be pulling a small utility trailer. I don't want to get a full 6 month insurance policy because as soon as I get to Oakland, I won't be driving the car at all. Are there any insurance companies that offer a really short policy (2 days, or maybe a week) ? I only need insurance for those two days, and so that I can get temporary registration from the DMV. Does anyone know if such a thing exists, and if so what company?

Car accident and lapse of insurance...? Alright, this is part two of my question. To recap, on March 25 I was in a two car motor vehicle accident in California. I had no idea that my insurance had lapsed because I had moved before the notice was sent out. Therefore, I told the police that I had insurance under my current holder. Both parties feel the other person was at fault for this accident. My car was totaled while his only had minor damage. Myself and my passenger were hurt, while the other car's passengers werent. Now, my questions are as follows: 1. Do I need to call the police and let them know that I had no insurance, but just reinstated it yesterday? 2. Will I be facing jail time or just fines? I am willing to pay anything in order to clear this up. 3. Will I lose my license? 4. What other steps do I now need to take to resolve this issue? I've never had a wreck before and I have a clean criminal record, so I am a newbie to this process. Please help me!

Auto Insurance Rate after an accident??? I just got into a pretty bad car accident (I estimate $5-10 grand in damages total to both vehicles) while driving my friend's car. Because I was driving her car, her insurance is the one that is covering everything. My question is how bad do you think her rates will go up? She is a female in her mid 20's, with a good driving record, living in California, the vehicle at hand is a 2005 Honda S2000, and she is insured with State Farms. From what I've been reading, some companies (such as State Farms) have an accident forgiveness but those that have had their accidents forgiven were insured with the company for a certain time frame. Also, if the rates do go up they usually stay up for a period of 3 years. If anyone has any answers or comments I would greatly appreciate it. I just want to figure out roughly how much I will be paying because I feel bad about the entire situation.

If you open your car door and another vehicle hits it, whose fault is it? I was parked in a residential street, I looked in my mirror and as I opened the door to get out, my door was hit by another vehicle. The driver seem to be speeding and didn't even attempt to swerve. I live in california. Are here any arguments I can use to at least have their insurance pick up the repairs on their end...?

trying to decide which auto-insurance to purchase in bayarea, California, in terms of $$, ease of claims etc.? In terms of best value for money, ease of claim, service. Got 2 vehicles : 2005 model and 2003 model. AAA quote = $720/6mth, Farmers quote = $690/6mth.

How do I transfer my vehicle title , which is currently under my corporation, to an individual? To be more specific, I'm transferring the title to my wife. Would it be considered a family transfer? The insurance for a corporate car is getting too expensive. I'm in California. Also, would I have to pay a use tax?

What to do when in accident with vehicle from Mexico? Here in Southern California there are cars driving around with Baja California license plates. Unfortunately these drivers drive with their own sets of rules and with disregard with safe driving common driving considerations. Today, I witnessed an accident involving a pickup truck from Mexico. That driver of the Mexico registered truck did a hit and run and I followed him. I got the plate numbers and a description. I called the police and followed him but he ran through a red light (through a busy intersection almost hitting a pedestrian) so I stopped following. I called the police, went back to the location of the accident and found the victim. I gave her the information, but we don't know how to proceed to get this resolved. The lady could only afford liability insurance so unfortunately no help from the insurance company. The police say they don't get involve unless there is a serious injury. Any one know what to do?

Can I drive my friends truck to take the California drivers license test? His families insurance is supposed to cover whoever it is that drives their vehicles.

Can I get TWO tickets in california for the same thing? I just received a fix-it ticket for no proof of insurance and a cracked windshield. I just purchased the car a few days ago! If I continue driving this vehicle, will it be legal for an officer to give me another ticket for the same thing?... Thanks alot yahoo!

Can I get on to Ft. Leonard Wood without the registration to my vehicle being in my name? I drive my mom's truck, but we are both on the insurance. The registration is solely in her name. We are getting it changed but there is a delay on her side with the bank that is financing it. Does the registration need to be in my name as well for me to get on post? Or is it enough that I am on the insurance and her name is on both? By the way she lives in California so I can't take her in to explain it to the gate personnel.

Do I have to have auto insurance when driving a uhaul? Ok so My boyfriend and I are planning on renting a uhaul in a few months for our move from Florida to California. We currently do not have auto insurance. If we get pulled over will they ask for proof of insurance? Do we need insurance to drive a rented vehicle? Also does uhaul offer insurance? What does it cover and how pricey is it? I told my bf that you probably dont need insurance to drive a rented vehicle but he disagrees with me. So if you can help me prove him wrong I'd greatly appreciate it. Mr. Robinson: You do not have to bring it make where you rented it from. theres over 1400 uhaul location in the us all you have to do is drop it off at the local dealer that you choose when you reserved the truck. Thanks for the quick responses! Thank Billy And yes I know Im from there. This is my second road trip move so far. The first was in sept '06 From Cali to Florida. Now were going back and we can afford the rental truck. Last time we packed a car full of shit, I'll never do that again. How much is the insurance they offer?

Behind the Wheel Test at DMV in Torrance, California (Insurnace Question.)? I'm 23 years old and going for my Behind the Wheel test at the Hawthorne DMV in Torrance on Monday. My question pertains to that of needing insurance. What I wanted to know is do I (as the person who is going to be taking the test. Right now I have no insurance on myself whatsoever.) need to have any type of insurance before I take the test, or does the car itself have to be insured? Right now my mother wont let me use her car for this test, but a friend of mines who is insured is letting me use his (he'll be going with me when I go to take it. What I wanted to know, would this be enough to allow me to take the test, or do I literally need to be under the vehicle insurance to be able to use the car for the test itself? I was looking at the question posted here http://answers.yahoo.com/question/index?qid=20060730222633AAhHm3Q And it seems that as long as the vehicle is insured, then there is no problem, but I wanted to get it all cleared regardless. Thanks to whoever can answer

My Vehicle Registration is Suspended. How can i get it reinstate??? I receive a letter from the Dmv said they will suspended me, and to avoid this i must send proof of insurance. i faxed and mailed the request document to the Financial Responsiblity so and so one month before the Suspension take place. Then come my time to renew my registration, and my local dmv said my vehicle is suspened and that i need to call this # (Financial Responsibility so and so) for further info. i did call, and they said it is clear, and that i going to take a few days to take effective. 3 days later i came back to my local dmv and it still suspended. so icall them again. and they tole me to wait. i call them 5 times and went to my dmv 5 times. each time they said my vehicle is clear, but my local dmv doesn not. the renewal date is coming soon, wut must i need to do to get my vehicle reinstated, and the sticker for my car (i'm from California)

Our California home sustained property damage from a car collision driven by an uninsured, unlicensed driver.? The registered owner of the car is now reporting the vehicle as stolen, however the driver involved in the accident is a friend of the owner, was partying with the owner on the evening of the accident, and the DA is not pressing charges for an auto theft because the two parties knew each other and the car was not taken under force. The registered owner's insurance company is denying our claim for our property damage. What recourse do we have?

in california how long can your car policy be lapsed? Im was in the middle of changing insurance and my previous ins. lapsed, that being said how long can your vehcile be uninsured before your car finance company can add ins. to your vehicle??? And shouldnt the finance company let you know before they add their insurance to your vehcile...thanks for the feed back in advance

Why do i need 2 vehicle inspections from 2insurance companies? Last week i got in a small car accident. It wasn't my fault. The other lady merged into my lane and hit my back drivers door. I went to a vehicle inspection place that my insurance recommended, and now the lady's insurance company (Allstate) wants me to go to their vehicle inspection place so they can take a look at the car. Why does Allstate want to see it?? they said that they want to see the damage first before paying for it.(they already accented that it was that lady's fault) But my question is why??Are they going to tell me " this dent could not have been made by our driver" and blah blah?? I really don't want something stupid like that. do they need to looks at it to just see how much its worth?or to investigate it?Anyone know? anything would help. thanks PS. I LIVE IN CALIFORNIA

Car insurance claim appraisal? I was recently in an an accident where the other party claimed fault. My car was totaled, and I have been in touch with the other party's insurance. They sent me an appraisal which was low, and doesn't seem to have included the following: - Lo-jack - Extended warranty on the vehicle - Trim of the car Also, the zip code on the appraisal was wrong (maybe intentionally so) When I check on Edmunds or KBB, the private party value is at least 3K higher. I am going to talk again with the insurance company, but any tips on how to proceed with this? I cannot go to an appraiser it seems since I do not have comprehensive insurance. I am based in California. Thanks

Vehicle Totalled, 24 yr brother not insured, no DL & DUI? Can someone advise how the insurance company will handle this? Incident occured in California. Brother 24, does not have a DL, this will be the 2nd time he is caught driving without one. To make matters worse he totalled parents car & may have been driving under the influence of alcohol. This happend last night and we are on our way to visit him at the hospital. We understand the DUI laws have become tougher and we understand he may have to serve some jail time plus fines if he's convicted of the DUI. My question is, will the insurance pay for the damages to the vehicle and or hospital bills. he doesnt have health insurance and was not listed as a driver in our parents policy (no DL). To my knowledge my parents did not let him borrow the car. My parents have full coverage and we are getting ready to call them to report the claim BUT can someone advice how they will handle this? we obviously want the insurance company to pay for the damages. any advice will be appreciated.

HOW MUCH can my insurance rate rise up after hitting another car? backing up i hit the front right bumper/ligh I live in California and I have full coverage on my vehicle currently I am 26yrs old and have about 6 yrs with my Dirvers license and NO accidents or tickets on my record. BUT a lot of people mention that my insurance rates will go really high whn an accident happens. I hit the car behind me it donsnt seem to me a a major accident, but a small one. I need help just an advise to know what to expect, please!! maybe in an expert can advise.or other personal experience by someone?

car accident (i have insurance) but no registration? Hi. I am in California and I've bought a car around July. The vehicle did not pass smog so I couldn't get it registered. However, I purchased insurance from Progressive just so that I can drive it to get it fixed smog wise. Delayed it forever and I just drove it recently and got into a car accident. I was wondering if anyone can tell me if my insurance is still effective even though i delayed the car registration.

Taking my vehicle!? I had miss a payment on my car, and I had problems with AAA auto insurance. Since I didn't have any auto insurance, but now do, and start trying to make up for the back payment for my car. My ower which is California Bear Credit Union, want the car back, My monthly payment is $328.00 and I had paid them $300.00 in 2/08 and $400.00 in 3/03; A total of $700.00 This $700.00 was not deducted from my vehicle, nor didn't they refund it or sent me a notice "We just want the vehicle back, and we're refund your $700.00. They got some hill billy attorney out there is TX, that calls me and talk to be in a bad brutality and disrespectful cruel way, tells me that he's going to file a Breach Of Contract case against me, Etc. I tried to correct this issue, but they just want their car back. But there's absolutely nothing said about my $700.00 refund. And how could you file a breach of contract against someone that's now pay what's owed and have auto insurance now? What must I do now?

Insurance premium increase of 50%? I had an accident with my RV that was about $1,200.00 on my side and very minor on the other vehicle. The accident was considered my fault and being 1 point and my first ever in over 32 years of driving. My insurance company now has increased my premium about 50%. I am in California and would like to understand the criteria for this increase. It looks like the company will recover the full amount paid in the next premiums. Where can one go to understand this? Thanks