Reader’s Question: What should I do if my car accident insurance expired a day before the accident took place? Blaine Washington, DC What you need to do is to confirm to your insurance agent the expiration date of your insurance. If indeed it has expired before the accident occurred, you should try to work on [...]

Reader’s Question: When an insurance company declare that my car is totaled, how the does the company cover my accident insurance and do I get to keep my car? Robert Sunnyvale, California If you have been involved in a car accident, you will inevitably have to deal with your insurance company and this situation happens [...]

Reader’s Question: I had a close friend who got into a car accident. He tried to get his insurance company to pay back the fender-bender he got, but they said some crap about ‘not reaching the franchise limit.’ What the hell does franchising have to do with accident insurance!? We’re not opening some food-chain or [...]

Reader’s Question: I’ve had it with these accident insurance company. Each time I get into an accident, they refuse to pay up, coming up with a hundred reasons not to reimburse the damage I get. I mean, if these so-called “accident insurance companies” will find one way or another to avoid for the responsibility they’re [...]

Reader’s Question: How do auto insurance companies connect an accident and insurance premiums? Is there some sort of formula that they use to come up with a premium computation? Bobby Houston, TX Getting into an accident and insurance premiums are definitely connected. All insurance companies work by making a bet: they bet that the payments [...]

Reader’s Question: I just got myself an accident insurance policy. I am just curious: what should I do when making claims in case something unfortunate happens to me? Allen Milwaukee, WI One thing you should have done, even before you bought the policy is to read the details of your accident insurance coverage. This way [...]