You can take them to court and sue for the damages you may have incurred. The possibility of winning against an insurance company with an army of legal eagles at their disposal is slim to none.
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
The only thing you can do is pay for all your damages out of pocket. After all it was your decision to drive without insurance.
An insurance agency represents the insurance company. This is the decision of the client, not the agency or the company. This has no bearing on the fault of the accident...unless they have not inspected the vehcile yet...when in most cases the vehicle is stored at a facility.
In most cases, the adjuster would talk to everyone involved to hear their "version" of what happened. They would talk to any independent witnesses (someone who saw the accident that neither party involved knows) and form a decision based on that information as well as the location of the accident and where damages are on the vehicles.
The decision of who is at fault in an accident is generally decided by the police officer who is investigating the scene. If you don't agree with his/her decision you can always speak with their supervisor at the police department and give our side but it is very rare that these decisions are overturned. You only other point of appeal would be to your insurance company. The insurance companies take the police report as well as statements from both parties and make their decision as to who is at fault.
The very first thing you do is report it to the police. Whether the car is "totaled" or not (a decision typically made by insurance adjusters), a police report is required for any automobile accident.
The Aflac website is the best place to get authentic information about the Aflac hospitalization insurance. It is also useful to read consumer reviews about an insurance provider before making the final decision.
what do you disagree with? amount of repair or total? liability decision? there are many different avenues dependant upon what the disagreement is about.
Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
What is decision to err according to the accident/incident theory
The answers a,b, and c are correct.
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