Expert Advice for Car Insurance Claims
All Articles on Car Insurance Claims
How Long Should You Keep Insurance Records?
You’ll want to keep your insurance records for as long as the policy is in effect or until your claims are resolved. Read more here!
Brittni Brinn
Do Insurance Companies Total Cars If Airbags Deploy?
Each state has its own threshold for declaring a vehicle a total loss—and airbags are expensive to replace. Here’s what you need to know.
Bonnie Stinson
Loss Payee vs. Additional Insured: What’s the Difference?
Though loss payees and additional insureds are both terms for third-party insurance, they have some vital differences.
Claire Beaney
Does Car Insurance Cover Door Dings?
Your car insurance will most likely cover dents or dings on your door if you have both collision and comprehensive coverage in your policy.
Kaitlin May
How to Get a Rental Car From an Insurance Claim
You can get a rental car through rental reimbursement coverage if your car is in the shop after a covered incident.
Melanie Krieps Mergen
Will my GEICO insurance go up if someone hits me?
GEICO won’t raise your premium after a no-fault accident, but you might lose your accident-free discount. Keep reading to learn more!
Jessica Gibson
Will a Hit-and-Run Claim Raise My Progressive Insurance Rates?
Depending on the size of the claim and who is at fault in an accident, Progressive might not increase your premium after a hit-and-run.
Kaitlin May
Can Someone Make a Claim on Your Car Insurance Without you Knowing?
Having a claim made by someone on your car insurance without you knowing is fairly rare, but it can happen if you were at fault in a hit-and-run.
Cameron Thiessen
Does Your Car Insurance Go Up if Someone Hits Your Car?
If someone hits your car, your rates usually won’t go up if you can file a claim against the other driver’s insurer. A hit-and-run may cost you, though.
Shannon Fitzgerald
Does a Windshield Claim Increase GEICO Insurance Costs?
Filing a windshield claim with GEICO won’t increase your premium, and repair costs should be covered if you have comprehensive coverage.
Andrea Barrett
How Long Do You Have To Submit a GEICO Claim After a Car Accident?
GEICO does not have a specific time limit for filing a claim, but you should do so as soon as you’re able to avoid having your claim denied for unreasonable delays.
Sarah Gray
Does Insurance Cover Rental Cars?
In most cases, coverage types like liability, collision, and comprehensive car insurance extend to rental cars—but check with your insurer to be sure.
Alison Daurio
What Doesn’t Car Insurance Cover?
From pet injuries and personal belongings to routine maintenance and repairs, what’s covered under insurance depends on the type of coverage.
Andrea Barrett
Can an Uninsured Driver Make a Claim?
If you aren’t at fault in an accident, and the at-fault driver has insurance, you can make a claim with that driver’s insurance company even if you’re uninsured.
Sarah Gray
What To Do If You’re In a Car Accident Without Insurance But Not At Fault In South Carolina
If you’re involved in an accident without insurance in South Carolina, you’ll have to pay some big fines—even if you weren’t at fault.
Macy Fouse
What Is a Fender Bender?
A fender bender is a minor car accident that occurs at low speeds. All vehicles can typically drive away afterward.
Shannon Fitzgerald
Alabama Windshield Replacement Law
Alabama windshield replacement laws do not obligate auto insurance companies to cover the damage in full. Here's what to know.
Tiffany Leung
What You Need to Know about Your Liability Claim
Filing a liability claim is pretty simple—especially if you ensure you collect ample evidence and information at the scene of your auto accident.
Sarah Gray
What Happens When an Insurance Claim is Made Against You?
Here’s what you need to know to protect yourself and your wallet when an insurance claim has been made against you.
Pat Roache
Will Insurance Pay for Riot Damage?
Riot damage is usually covered under comprehensive car insurance policies and standard homeowners policies. Here are the details.
Shannon Fitzgerald
What to Do if You Get Hit by a Car
If you’re hit by a car, first check yourself for injuries. Then, exchange information with the driver who hit you, call the police, and contact your insurer.
Sarah Gray
Wisconsin Car Accident Laws
If you’re involved in a car accident, you must understand Wisconsin’s car accident laws in order to properly file a report or claim damages.
Rob Shapiro
Hawaii Car Accident Laws
If you get into a car accident in the Aloha State, you’ll need to know Hawaii’s car accident laws to file a report or claim damages.
Mariza Morin
Maine Car Accident Laws
Whether you’re involved in a crash on I-95 or just down the street from work, you’ll need to file a report and decide if you need to file a claim.
Ethan Moser
Hit-and-Run Charges
Hit-and-runs are illegal and can result in fines, penalties, and even jail time.
Rob Shapiro
Head-on Collisions: What to Do and How to Avoid Them
Head-on collisions are rare, but they’re the most dangerous type of accident to be involved in.
Kaitlin May
Comparative Negligence in Ohio
Ohio implements a modified comparative negligence law. Claims can be made if the party is less than 50% at fault.
Tiffany Leung
Comparative Negligence in Oklahoma
Oklahoma’s modified comparative negligence law states you can claim damages if you are assigned less than 50% fault.
Tiffany Leung
Comparative Negligence in North Dakota
North Dakota observes a modified comparative negligence law. The plaintiff can recover damages if they are much less than 50% at fault.
Tiffany Leung
Comparative Negligence in North Carolina
Under North Carolina’s contributory negligence law, you cannot collect damages for a car accident if you’re found even 1% at fault.
Sarah Gray
All Questions on Car Insurance Claims
When do you need to file a police report in Alabama?
I recently was in an accident and I'm not sure if I need to file a police report. My car was damaged and I also had to go to the hospital for minor injuries. Do I need to file a report?
Emily Maracle
How can I find out the cost of a car insurance claim?
I am new to driving and car insurance. I’m worried about what to do if I get into an accident and need to repair my car. How would I find out the cost of my insurance claim?
Chloe Jenkins
Should I file a claim with AAA?
A wind storm did some damage to my car the other week—it’s not too bad, but I definitely want to fix it. Should I file a claim with AAA? I don't want to see an increase in my policy.
Shannon Martin
How long should you wait to file an insurance claim after a car accident?
When should you file an insurance claim if you were in an accident? I was rear-ended a few days ago but I still haven't filed a claim. I've been pretty busy and I'd like to put it off for a few weeks if I can.
Joshua Levy
How do you check insurance claims on a car?
I got in a fender bender a couple of days ago when leaving my neighborhood. How do I check the progress of my insurance claim?
Lauren Smith
How long will it take my insurance company to pay out a claim?
How long will we have to wait for my husband's claim check? He was in an accident about two weeks ago and had to have surgery on his leg. We have already started receiving hospital bills! We live in California if that helps.
Shannon Martin
How do I submit a claim off someone else's insurance?
I was in an accident on the highway. The other driver is at fault. How do I submit a claim for their insurance?
Emily Maracle
Which car insurance companies only look back three years for claims and driving history?
Are there any car insurance companies that only look back three years or less? My driving record has improved significantly in the past two years.
Sophie Newman
How do you appeal a car insurance claim?
My car insurance claim was recently denied and I disagree with my insurer's decision. How could I file an appeal for my car insurance claim?
Carlos Kirby
How long does it take for insurance to repair a car?
My son got into an accident recently and his car needs some repairs. He's driving my car for now, but we can't do that forever! How long will it take for insurance to repair his car so I can get mine back?
Liz Jenson
How do I cash this insurance claims check?
Is there a way for me to cash this check? It was sent to me by my insurance company and it has both my name and the repair shop's name listed. The bank said I wasn't able to cash it. What should I do?
Shannon Martin
What is the time limit to sue someone after an accident in New York?
"I got into a car accident 2 years ago and wasn't at fault. I initially didn't have any injuries, but now have back issues resulting from the accident.
Is it too late to submit a claim for medical costs?"
Emily Maracle
How many days do you have to get car insurance?
I want to buy my first car next month and don't know when to get car insurance. How many days do I have to buy car insurance?
Grace Cho
How do I make a car insurance claim with Progressive?
When I went out to my car this morning, someone had busted out the window. Thankfully, it doesn't look like they took anything of value, but I still have a broken window on my hands. I have full coverage with Progressive, so I think I should be covered for this—but I've never had to file a claim before and I don't know where to start. How do I make a car insurance claim with Progressive?
Eric Schad
What information is needed when reporting a claim?
How can I make sure I give the claims agent all of the information they need? Unfortunately, I was in an accident yesterday and was so frazzled that I don't think I even knew what I was saying! Is there any way I can contact them again and give them the information they need now that I’m in a better state of mind?
Shannon Martin
What can I do if an insurance company won’t pay me for my labor?
A driver crashed through a fence on my property and caused extensive damage to my fence, yard, kid’s toys, and more. The estimate to clean up and remove the debris was $1,250 that I could not pay upfront, so I cleaned it up and disposed of the waste on my own. I assumed the insurance company would compensate me for my labor, but they are refusing to pay. Do I have any options?
Jack Walsh
Does a business have to pay for damages if their property hits your car?
"A sign from a store hit my car during a windstorm. I was parked in the store's parking lot. I complained to the store and they said they aren't liable. How can I make them pay?"
Emily Maracle
Do comprehensive claims raise your insurance rates?
If I submit a claim to fix it through my insurance, will my rate rise? My windshield is cracked and I need to repair it. I have full glass coverage on my policy.
Emily Maracle
Is Arizona a no-fault state?
I recently got into a little bit of an accident while driving through Phoenix. I overheard somewhere that Arizona is considered a no-fault state, but I wanted to make sure this is true. So, is Arizona a no-fault state?
Kevin Martinez
How do I check whether a car is insured or not?
Can I check whether someone’s car is insured if they didn’t stop to trade information? Someone hit my car in the parking lot the other day and drove off. Luckily I am fine, but my car is not.
Liz Jenson
How does an auto insurance claim work after an accident?
My car was recently damaged and I know I need to file a claim. How do I do that? What are the next steps?
Jackie Whalen
How do I bill my insurance for home healthcare?
I was in a pretty bad car accident a few months ago. I had to file a claim for damage and my initial injuries. I've had to have home health care as well. How do I submit the bill for home health care to my insurance?
Emily Maracle
How is PIP paid out?
Is PIP paid out on a per person or per accident basis? My friend and I were injured in an accident. We both have $10,000 in medical bills. I have $15,000 in PIP coverage.
Emily Maracle
How can I get the insurance company to give me cash for my car?
I have wanted a new car for a while now but just can't afford one. Well, I was in an accident the other day and the damage to my car looks pretty bad. How can I make the insurance company give me cash for my car?
Shannon Martin
Who pays when a golf ball hits your car?
I can't believe the odds of this, but a golf ball hit my car when I met my friend for lunch at the golf club. It caused a dent in the front hood. Who pays for the damages?
Sophie Newman
Can an insurance company contact the police after you're in an accident?
I reported an accident to my insurance, but didn't call the police. Will my insurance company contact the police for me?
Emily Maracle
What happens if someone is in a not-at-fault car wreck?
How does it work if someone is in a wreck, but they’re not at fault, and both drivers have $50,000 in liability insurance?
Jack Walsh
How do I find someone’s car insurance policy?
Is there a good way to find someone's car insurance policy information? My son's 21 years old and he isn’t exactly responsible. He told me he bought car insurance, but he couldn't provide it to law enforcement after running a stoplight. Now, I need to find a way to look up his policy—if it even exists.
Eric Schad
How do I make a car insurance claim for damage I did to my own vehicle?
I hit a pole last night and damaged the fender—and yes, I’m still kicking myself. Luckily, I was the only person involved in the accident, but my car is pretty banged up. How do I make a claim for this type of damage?
Ben Guess
How do I maximize my car insurance claim?
My car was totaled in an accident. I want to be able to afford a new car. How do I maximize my insurance claim?
Emily Maracle
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