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Wednesday, 17 September 2014

Cars & Transportation: Insurance & Registration: “Question: Did this 2 night do any permanent damages to me?” plus 5 more

Cars & Transportation: Insurance & Registration: “Question: Did this 2 night do any permanent damages to me?” plus 5 more


Question: Did this 2 night do any permanent damages to me?

Posted: 17 Sep 2014 09:37 AM PDT

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Update : I had two nights when I binge drank and became black-out drunk. Have I done any permanent damages to my brain or liver?

Question: How old do you need to be to drive?

Posted: 17 Sep 2014 09:13 AM PDT

depends on where you live

a permit allows you to drive with an adult when you are 15 (in my state)

a license allows you to drive alone when you are 16.5 (in my state)

Question: Auto insurance?

Posted: 17 Sep 2014 08:10 AM PDT

Auto insurance?

I have a 2001 chevrolet silverado 1500 single cab with 32,000K original miles, It has a salvage title, is putting full coverage worth it? State Farm offers full coverage on salvage titles, how does this work, do they do an appraisal? Thanks

Question: 17 inch crack in windshield and insurance company is calling us liars?

Posted: 17 Sep 2014 08:04 AM PDT

Welcome to the real world where people lie to get out of having to accept the consequences of their actions if it is going to cost a money. That includes lawnmowers and insurance companies.

Turn it in to your insurance company and let them deal with it. That is why you pay for insurance, for them to deal with problems like this.

Question: Is it too late for me to file a car insurance claim for an accident?

Posted: 17 Sep 2014 06:46 AM PDT

Wait a minute, you have front end damages, so guessing friend rear ended someone? Has the other driver of the rear end filed to have their damages fixed 2 years ago?

Yes, you might be able to file a claim on these damages with the insurance (at the time accident happened). You have a police report to document the date. But, there could be a time limit on how long you can file or not.

As a former auto adjuster, never had someone file a claim that long, unless their was an injury and our policyholder got papers from a lawyer.

But, here is the problem you will have. Insurance would calculate the cost to fix/repair by the prices of 2 years ago, and if more, you have to pay out of pocket. Then, after 2 years, can be some rust for not repairing. Now you have to pay your deductible, before insurance pays.

Insurance follows the car. Most likely you gave permission to your friend to drive and should have filed with your insurance company to fix 2 years ago.

Now, adding to this, you have a lot of problems you will be facing that will be costly.

Anytime you lease a car, they have so many "gotchas" in their contract. The mileage is a big one and after you exceed it, it is so much per mile over that, dont know, but guessing as an example 20 cents per mile.

For any wear/tear or in your case the front end damages, they subtract out for that. They use "their" body shop prices vs another body shop that could cost less.

A $36,000 lease car? I am sure you could have found a much cheaper $20,000 or less lease car.

And NO, if you file a claim on a new insurance for an accident 2 years ago, that is fraud and they will see by the rust and know that the damages are not new.

Take out that lease contract and read it very carefully. Look at all the fees they are going to charge you to turn it in early. There will also be a fee for every month you are not paying for the lease, mileage, wear/tear.

After you read it and figure out the costs, you decide what you want to do.

good luck, you will need it.

Question: What's the process of getting my drivers license? (minor)?

Posted: 17 Sep 2014 02:34 AM PDT

You'll have to follow whatever the rules are in your unnamed location, and no one will be able to help you until you include that information since each state has slightly different rules.

Generic answer is to check for a drivers ed class. If you are in school they probably offer one, which will also give you the information needed to get the permit.

Generally you need parents to sign, your birth certificate and social security card, and to pass a written test on rules of the road to get the permit, which allows you to practice driving with a licensed driver of the right age in the front seat.

In some states you only have to hold the permit for 6 months, but that varies.

You can check on line for your locations DMV and look for learners permit rules, or add location to your question.

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