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Popular Q&A

How much is my insurance claim worth for pain and suffering and loss of consortium?
You have a trip to the ER and a follow up with your family doc...you have a sprain/strain injury and missed a few weeks of work.The ct's, xrays don't add to the value other than dollar for dollar. Since you were diagnosed with a sprain/strain, all that boat load of xrays showed is you are getting...

AUTO INSURANCE AND CREDIT REPORTS, What does one have to do with the other?
You are correct, many insurance companies are indeed checking credit reports and refusing people, or charging more for those whose credit isn't good.Personally, I think this practice should be outlawed. I don't believe that bad credit makes someone more likely to file a claim, or a fraudulent...

Car Insurance Advice - Florida Needed?
I am going to give you insurance basics 101What you have is:10/20/50 and most likely $10, 000 PIP with a $1,000 deductible that is also 80/20This is lopsided coverage and you should correct(BI) Bodily injury is for payments in an injury settlement, YOU caused, which means pain/suffering(PD)...

Does having a commercial drivers license affect my insurance rates?
no it doesn't. Your driving record, vehicles, age and whether or not you smoke will affect your cost- but not your type of license.Eighteen year professional driver in all 48 and Canada and instructor in Illinois and California. My agents have never factored my license type as a factor.

Which state laws govern an out of state auto accident?
The laws for the state where the accident happened govern how the claim will be handled. If a law suit were to be filed, it would be filed in the state where the accident happened.That being said, your policy language does not change just because the accident happened out of state. You still...