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What is the process of an insurance claim on a single car accident?

When someone has a single car accident and there is no other vehicle or person's property that is damaged, how does a claim proceed, if the owner decides to file a claim? Say a car avoided a deer or object in the road and ends up in a ditch or blows a tire and hits a tree or such and the vehicle is still able to operate. Is a police report mandatory? Does the location have to be exact if this occured in a VERY rural location? What steps would an insurance co. take after being notified? Thanks.

   








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Are employer paid medical insurance premiums considered taxable income?
Can Employers change the status of what they pay towards employees medical insurance to be taxed as income of the employee. For example, my employer pays approx. $10,000.00 per year toward my insurance premium, where I pay approx. $1000.00. Can that 10k be considered income' and be taxed as such."""


Is there a grace period for paying auto insurance in ..Nevada?
Is there a grace period for paying auto insurance in Nevada?


Auto insurance washington?
Hi, Which Auto insurance is best in washington state? I moved to WA and I need to get one.I would like to know about the services while claiming any accidents or damage? Thanks, Vinayak"


Insurance costs a fortune?
Anyone know of an insurance company that can give really cheap quotes for teenagers. UK Based


Will my car insurance rates go up?? Help!?
Pleeease don't preach about how I shouldn't have been driving. I know.


"Dealt with car accident outside of insurance company, how can I chase up the receipt?"
On Christmas Day I went out in the car to pick up some drinks from the petrol station and on the way out of the station I bumped someones car. I stopped and got out to give them my details (name, address and phone number) and then went home. In the panic of the moment I think I just wanted to get home as it was Christmas Day and I didn't hang around to take photos, ask for witnesses or discuss options with the other driver, which in hindsight I regret and realise was stupid. When I got home, the guy called me up and, again with the stupid mistakes, I said that I would rather settle outside of insurance; the driver wasn't keen on the idea at first and wanted to settle through the insurance company but I couldn't call them until the next week as they were closed for Christmas. He texted me the next day saying that he was going to get a quote from a garage and got back to me later with a quote for 400 through a 'friend of a friend's garage'. At this point I was a bit suspicious and the amount seemed very high for what I thought was not a lot of damage but at the same time he said that he either wanted to do it like that or through the insurance and I really didn't want to loose my no-claims discount as insurance for young male drivers is very high without the no-claims. In the end I decided to pay him, not without a certain bitterness owing to the fact that he was pressuring me for an immediate decision, which also made me suspicious. Having sent the cheque for 400, he kept up communications initially and let me know that he'd received it. He said that he would send me a copy of the receipt from the garage for my records but once he received the cheque I never heard back and now cannot get a reply. Bit long-winded for a question but that's the background story, my question is two-fold: 1. Can I do anything about it? It's more the principle than the money that bothers me, I know that I caused damage to his car but I now suspect it wasn't as much as he claimed. 2. Does 400 sound like too much or should I stop worrying about it? I hit the back corner of his car with the back corner of mine, and he later told me that I had cracked the rear bumper, which needed replacing. I'm not sure of the make of the car but I think it may have been a Ford Fiesta or something similar. I would really appreciate any help as it's weighing on my mind... I don't like people walking over me. At least if the amount he claimed sounds reasonable I can put it down to him being a wanker but the amount claimed being fair and forget about the whole thing."


New driver insurance question?
Hey I just passed my theory test in the state of California. I need to start practicing driving and take my driving test. I am going to buy a car and also need insurance. Will I need a different insurance package as a learner driver? When I pass my test will I have to get a new insurance package as a license holder? I moved to CA from UK where I held a license for four years.


Is there a dental insurance college students can go on?
Is there a dental insurance college students can go on?


Can you register a vehicle with a suspended license?
If you have a suspend license from unpaid tickets can you still get a car registered?


I purchased a single premium whole life insurance policy in 1984. I am confused about the tax on policy loans
Original premium- $50,000. Total loans- $66.000. Cash surrender value-$64,000. I would like to access that $64,000 so I can earn a better return than the 3.25% the insurance company is paying. I realize that i will have to pay tax on the loans I have but the company is claiming I will also have to pay tax on all the interest on these loans that has been accumulating for years at 8%!! I understood that this interest charge is a wash"" meaning I am charged 8% but also credited 8% since I am borrowing my own money from policy earnings. This total interest is well over $100"


Health insurance and filing taxes?
My company has informed me I will be getting laid off at the end of January. They are switching over to a different health care provider effective January 1st. I have decided not to sign up for it since I will be laid off within a month and I will just sign up for free health care insurance after I am laid off. Will the one month of not having health insurance affect me when I am filing taxes? I live in Massachusetts where you can be penalized for not having health insurance.


Motorcycle insurance in the UK?
My husband has just brought a new bike, a Suzuki UH125 Bergman. What is the best and cheapest motorcycle insurance??"


Opinions: affordable health care?
I think we would be better off without the insurance companies, and universal health care would not work because we already pay too much in taxes now. Years ago everyone was taking care of and insurance companies weren't in control of our well being. People with pre-existing conditions should not be discriminated against, because they are the ones who need medical care the most, not healthy individuals. It doesn't make sense for a healthy person to pay $150 or more a month because they probably only go to the doctor once a year or so and if you do the math it's cheaper to go without or just have a catastrophic plan for less. People who have to go more frequently and have labs and other test done periodically are the ones who need assistance, so it just doesn't make sense to leave those people out in the cold and spike the costs. The whole point in having insurance is to bring some relief towards costs ( discount them ) This is why our current health care system is not working and it is also the reason why so many people are winging it and going without insurance."


Affordable Care Act?
My wife is 54 with diabetes (insulin) and high blood pressure. I care about my wife and want to act to buy her what i can afford which is up to 200 dollars a month. I can not fine an insurance company that will take her. What do i do when she won't qualify for medicaid either.


Insurance cost for 2.3l fox body mustang 16 year old?
I am 16 and considering purchasing a 2.3l four cylinder mustang. These were made from the mid 80's to early 90's. They have like no power but get good mpg. I am worried that insurance companies would see the word mustang and give me a high rate. BTW my sister is 17 and pays only 50 a month on a family plan for a 1995 suzuki sidekick.


What is the process of an insurance claim on a single car accident?
When someone has a single car accident and there is no other vehicle or person's property that is damaged, how does a claim proceed, if the owner decides to file a claim? Say a car avoided a deer or object in the road and ends up in a ditch or blows a tire and hits a tree or such and the vehicle is still able to operate. Is a police report mandatory? Does the location have to be exact if this occured in a VERY rural location? What steps would an insurance co. take after being notified? Thanks.


Can my car insurance still charge me for a car I do not have anymore?
I'm confused. I no longer have this car, it got vandalised and written off. It says in my contract I can cancel I did but they have taken out another payment I haven't had the car since October 22nd Not only that in they said to me I they will take out the remaining payments from the cheque they pay me from my car, it doesn't say this in the contract so why do I have to do it? Why should I pay for a car I no longer have? And why do I have to pay my voluntary and compulsory excess if someone damaged my car and it has been reported to police and on going investigation? I will speak to them tomorrow but I am confused now and looking for answers. Thank you"


How can I find a whole life insurance policy that was paid in full by my Mom on me as a child?
How can I find a whole life insurance policy that was paid in full by my Mom on me as a child?


Are BMW more expensive to insure?
Specifically a White 2006 BMW 325i. I'm 21, never had any traffic violations, had my license since I was 17. I'm looking to get rid of my old 1994 Crappy Mustang, and getting a White 06 3 Series BMW. Will my insurance be expensive? Additional Details: I plan on financing, which means it will require me to get full coverage."


Do Canadians get in car accidents & more traffic tickets than Americans since their govt pays auto insurance?
Do Canadians get in car accidents & more traffic tickets than Americans since their govt pays auto insurance?


What is the Cost of Professional Liability Insurance for Structural Engineers?
What is the Cost of Professional Liability Insurance for Structural Engineers?


What is better option for buying health insurance plans?
I am confuse about where I should buy health insurance; directly from company or I should consult agent?


Cheap Car Insurance Help.?
I am an 18 year old boy and have recently passed my driving test, i am looking around for cars but the insurance is a joke, the cheapest i have had is 5000. Anyone know what cars are cheap to insure and what insurance companies are cheap for young new drivers?"


Can I drive my car without insurance ?
Okay, so I've had my Chevy taho 1 year, i just canceled my insurance cause I'm about to sell it I'm living in California moving to Colorado so I'm gonna sell my car...I know in cali Seller must smog the car a 2nd time, but am i taking a risk driving it to go get it smoged? also.... i have not driven it cause I planned on selling it so it's also not renewed.... and to make matters worse I lost my tile, positive honest answers please =("


My very good friend says for me to take term life insurance on him can i or just for families...?
...etc He is in his 62. Also live in Calf and I am in my 70's. He brought this up last night. Thanks


Is comprehensive car insurance cheaper if you own the car?
is it cheaper than if you had a loan out on it? why is this? thanks


Can I purchase life insurance for our family without a physical exam?
$200,000 insurance policy?"


What is the CHEAPEST CAR INSURANCE?
What is the CHEAPEST CAR INSURANCE?


Are health insurance premiums that I pay and are deducted from my paycheck paid with after-tax dollars?
My health insurance is through my employer but I have to pay part of the premium and it is deducted from my paycheck each pay period. I am filing my taxes and am being asked if the premiums are paid for with after-tax dollars. Any answers?


Best Profession For Cheaper Insurance Quotes?
sorry forgot to mention i live in the UK, where it does matter what your job title is as it shows your level of resposibility etc...."


Car insurance help.first to answer gets best answer.?
I want to get a 2003 Nissan 350z. im worried about insurance cost though. for a 17 year old with no tickets and no wrecks how much do you think car insurance would be? first to answer gets best answer.


What is the process of an insurance claim on a single car accident?
When someone has a single car accident and there is no other vehicle or person's property that is damaged, how does a claim proceed, if the owner decides to file a claim? Say a car avoided a deer or object in the road and ends up in a ditch or blows a tire and hits a tree or such and the vehicle is still able to operate. Is a police report mandatory? Does the location have to be exact if this occured in a VERY rural location? What steps would an insurance co. take after being notified? Thanks.


What type of insurance pays you a monthly cash benefit in the event you're injured and cannot work?
A.) Automobile Insurance b.) Long Term Care Insurance c.) Disability Insurance d.)Life Insurance


Are annuities good for young people?
Does anyone know if annuiites are good for young people, like in their late 20's. Starting a family and reading about many investment options. It seems like we've only heard about annuities for older or almost retired people, but with new prods that guarantee 7% yearly if your investments don't make that much...seems it's not a bad thing to add to a portfolio."


Anyone know of cheap health insurance for college athletes?
My university requires over $1800 for health insurance (the plan that provides enough coverage for athletes) and I don't have that much money right now. Any one know of any cheap alternatives? I've looked at some healthcare plans but they seem to cost much more than 1800 dollars and that's for only around 7-8 months of coverage. Thanks!


Insurance and Driver License MN?
I just started my policy with 21 insurance and I moved from home to my grandma to now to chaska. Which is closer for work. Im getting a new driver license. But I told the insurance company my old address since I didn't get the new card for driver license. Is this bad will my rate go up ? I told the insurance company I work 3 days a week and its 45 min one way. But now im closer to work.


Why do doctors/hospitals charge individuals with insurance more for their services than noninsured individuals?
I cannot afford health insurance. To get a high deductible health plan because I am a woman would cost me more than $350/month because I am single and self employed. I needed a mammogram so I went to have it done where a friend with insurance went. I asked my friend how much they charged her since I knew I would have to save up. Well, my friend said after her $50 copay the claim was filed for $300. I saved up my $300 and went to have it done. When it was time to pay, since I did not have insurance I was only charged $100. Obviously, they overcharged the insurance company which makes me mad because this is most likely why I cannot afford health insurance. The insurance companies raise their rates to match with the doctors charge them."


Can anyone tell me any health insurance companies that cover fertility treatments ?
i haven't started fertility treatments yet so i have no prob going to a new endocrinologist, gyno or clinic ect - because they will be new either way ! of coarse a insurance that covers the most fertility treatments would be best but just tell me the name and what treatments if any that you know they cover ( thanks in advance)"


"Getting a New Car, Insurance question?"
Hey, so i'm going to be getting a 2011 toyota yaris and i was wondering how much the insurance on it would be, i'm 19 years old."


Where can i find cheap car insurance?
Where can i find cheap car insurance?


Do you think good first car.?
http://images.automotive.com/reviews/ima... Tell me all about it.


"What is going on car insurance""?"""
i had a crash over a year ago, my car insurance took it to court last week due to the other party not having any evidence or produce thier side of events etc. the Judge told them they had a week to comply and they should settle 80-20 in my favour but they still are playing hard ball by saying they think i know my witness"


Where to find cheap maternity insurance?
http://proxyhide.cn/health-insurance.html


Which of these is the correct Republican opposition to universal healthcare?
A. The government can't run anything right B. Government-run healthcare will be too successful, and private insurance companies won't be able to compete As with the Obama is simultaneously a Muslim"


"My truck was keyed, will my auto insurance rate go up?"
The whole truck may have to be repainted, I think the total I'm looking at is at least $2500"


Full coverage quote $650!?!?
I got a quote online from esurance for a 2007 g6. I'm 18 and live in Michigan. I want to finance the car and was just looking at insurance quotes but this seems a little outrageous. Does it sound right to you?


Is there anyway around this massive car insurance premium?
I have seen a beautiful 2.0L Ford Focus ST170 for 4000. This is a dream car for me right now, but after checking some insurance premiums, I have found that its more expensive to insure. I'm 18 with 1 years experience and 1 year of named driver experience discount. Even with that the premiums reach +4000. Am i just going to settle with a Zetec 1.8 Focus for 1300 a year? Thats the alternative..."


What is the process of an insurance claim on a single car accident?
When someone has a single car accident and there is no other vehicle or person's property that is damaged, how does a claim proceed, if the owner decides to file a claim? Say a car avoided a deer or object in the road and ends up in a ditch or blows a tire and hits a tree or such and the vehicle is still able to operate. Is a police report mandatory? Does the location have to be exact if this occured in a VERY rural location? What steps would an insurance co. take after being notified? Thanks.