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Usually an insurance company will declare a car totaled before salvaging it. Usually they will know what to do with the car after taking initial photos and if need be pay a shop to look over internal damages if any. How long this takes is how long it takes for the shop to tear apart your car. Typically there is no "time limit" associated as far as a car sitting in a shop is concerned, but for me when I totaled my car the insurance took about 2 weeks to figure it out.

2007-02-06 10:04:36
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Can you pay your auto insurance deductile after repair work is done?

I think this depends on the insurance company. When I was in an accident (I was at fault), the insurance company required my collision deductable up front before they started repairs on my car.

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Before an insurance company can sell insurance in a certain state, it must register with the State Dept of Insurance. If the company is sold, then it must notify the Dept of who it was sold to. If it just closes down, its policies were likely sold to another company, the Dept will have to be notified of that as well. Contact the TN Dept of Insurance and inquire there.

Will gap pay if you only had the insurance for a day?

You must buy all coverages before an accident. If their is an accident, you cannot buy coverages after an accident, and try to get the insurance to pay for it.

What can you do if your insurance is cancelled the same day you get in an accident and total your car?

Depends on when it was cancelled. Before or after the accident? When did you get the cancellation notice? If you were cancelled before, then obviously you were uninsured. If the accident was your fault, then any costs are yours alone and not the insurance company's.

Will a company buy materials and furnishings from your house before it is torn down?

Possibly. Try a salvage company.

If you have an accident and then reinstate your insurance are you covered?

If the accident occurred after your policy lapsed and before reinstatement, no, it won't.

What companies in Ohio offer car insurance for bad drivers?

You can get a free quote for you car insurance from Simply select your state and fill out the application. If you have had a car accident before, or you are likely to have an accident, your premium may be higher, so you might want to choose an insurance company with a lower premium.

Is your car salvage after an accident?

It depends. Is there damage, what is damaged? What is the repair cost estimate? What is the year, make and model? What is the blue book value of the vehicle before the accident?

Difference between a deductible and a premium?

A premium is the amount of money you pay the auto/health insurance company monthly, quarterly, or biannually whether or not you get in an accident or go to the hospital. The higher your premium the lower your deductible, and the lower your premium the higher your deductible. A deductible is the amount of money after you get in a car accident or visit the hospital before your insurance company pays anything. After you have met your deductible the insurance company covers the rest of the expenses.

In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?

If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If the other party is at fault, you will bill their insurance company and will advise your claims adjuster as well. If you are deemed at fault and do not carry Med Pay, the only insurance you can bill is your medical insurance provider. Be sure your medical insurance provider does not exclude injuries caused in an automobile accident before approving chiropractic care.

What are the insurance salvage rights for homeowners contents that has been replaced?

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If you don't carry insurance on your car because it was recently totaled and a salvage title has been issued and someone without insurance on this car drives it and has an accident who is responsible?

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How long do you have to file a insurance claim from a car accident in Oregon before it is not vaild?

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Will your insurance cover an accident from before you owned your car?

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The insurance company will make every effort to put you back in the same position as your were in before the accident. in other words, they will make necessary repairs to the building and contents to as close as it was before the accident. They will probably make some effort to come to an agreement as to what the accident cost you in terms of any loss of income if any occurred.

How much do insurance comany pay for pain and suffering?

Insurance company is required to pay for actual damages. This means putting you back to where you were before the accident, not hitting the lottery to get something for nothing. There is no pain and suffering amounts.

How do you locate an old life insurance policy for a company called Commonwealth Life and Accident Insurance Co?

== == Seems it was assumed/bought by American National Insurance Company in 1994. Try 800-899-6806 for help. Otherwise, before an insurance company can sell insurance in a certain state, it must register with the State Dept of Insurance. If the company is sold, then it must notify the Dept of who it was sold to. If it just closes down, its policies were likely sold to another company, the Dept will have to be notified of that as well. Contact your State's Dept of Insurance and inquire there.

If you got auto insurance coverage and were in an accident the same day what is the coverage for a claim?

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What if my current car insurance policy is already expired?

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Can you wait until after you get insured before filing a claim from an accident that took place before you had car insurance?

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What is the difference between a Certificate of Destruction and a Salvaged Title?

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No. An insurance policy cannot be issued to pay for an accident that already happened. Why in the world would you think that an insurance company would take on a claim that happened before you purchased the policy.

What do you do if your insurance lapses during an accident?

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Is there any recourse if your auto insurance company decides not to cover you if you have an accident in a rental vehicle?

Your insurance company did not just decide not to cover you if you have an accident in a rental vehicle. You policy does not provide you with this type of coverage due to the circumstances. You could have prevented this situation by calling your insurance agent and asking this question before you rented the vehicle. If you were just renting a vehicle you could have paid the extra few dollars to the rental car company for physical damage deductible waiver coverage. There are several things you should have done before renting a vehicle that would have prevented this situation.