Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About New Driver Car Insurance Advice

June 12, 2013

Sharon asks…

I was driving out of state in Maryland in January when I was hit buy an insured Maryland driver (rear ended).?

I was driving out of state in Maryland in January when I was hit buy an insured Maryland driver (rear ended). Although I was not seriously injured I do have medical bills i can not pay, i have missed work, and I can not continue my PT because my co-pay was too high. Can I for pain and suffering? I have a Maryland lawyer working on my case but he is unable to answer my questions. I have limited lawsuit threshold car insurance.
The other driver was driving on a suspended license, and was charged with leaving the seen of the accident but later charged. The owner of the car has full coverage on her car.

Administrator answers:

You probably wouldn’t have needed a lawyer. All you would have needed to do was to file a claim against the guy who rear ended you. He or his insurance company would have made you whole. You could have also sought advice from and/or used your own insurance for your repairs and medical care. But instead of that, you apparently ran out and hired a lawyer. Because there is now a lawyer involved,any settlement that would have normally taken a couple of weeks or a couple of months (at the most) will now take a couple of years and your lawyer will end up with the lions share of any settlement that he may be able to get for you. Since you have a lawyer that you hired to advise and to counsel (they are called “counselors” for a reason) you, how is it that “he is unable to answer” you? Why aren’t you demanding answers from this lawyer? Why are you asking for advice from us rookies?

There are times when a lawyer may be able to help in an accident but despite what so many people think, those times are few and far between. 95% of the time a lawyer is not needed and only screws things up and makes him (not you) rich.

John asks…

How long does it take to get a check from insurance company after estimate is done?

I was rear ended, which automaticaly is the other drivers fault and she has accepted fault for the damage to my bumper. Her insurance company sent me to get an estimate for the cost of repairs for my car, and it was faxed to the adjustor. All I am getting for it is the cost of repairs for my car. How long will it take to get my money sent to me? is it faster if i just get it direct deposited? is there anything else that has to be done or is the check just going to be sent out? we have agreed to the amount that i am going to receive i just want to know if anything else needs to be done or if my check is just going to be sent out or if it will be faster to direct deposit it and how long will this take to get? its almost christmas i could use the extra cash. PLEASE HELP!!!
IT IS SUNDAY I CANNOT CONTACT MY AGENT UNTIL TOMORROW AND WOULD LIKE TO KNOW NOW. THANK YOU.
thank you everyone for your answers, since my insurance company adjustor is not available until tomorrow…. i would REALLY like to just know if my check will get to me faster if i have it direct deposited STRAIGHT INTO my account and not mailed at all? thats my real question here. thank you.

Administrator answers:

First of all, stop with the caps. No reason to yell at people if you want their help.

Most insurance claims offices have 24/7 service. Call them and ask if the check has been issued. If it has, expect it to arrive 5-7 business days from the date of issue.

Since we don’t know you, or know what conversations you had with the unknown insurance company, that’s the best advice we can give you from here.

Charles asks…

Can i sue the other driver or thier insurance?

This past Friday I was in a bad car wreck in which, the front of the car I was driving was completely destroyed. The police found the other driver at fault and he quickly complied. Aside from my left forearm bruised and cut and having lower back pain, I’m Ok. His passenger wasn’t wearing a Seatbelt and he suffered broken arm, the driver was fine. Here’s where it gets tricky…the car I was driving belongs to my wife and she and I are separated, and plan on divorcing . I was planning on buying the car from her but she said she’ll collect what settlement the other driver‘s insurance pays her, since it’s her car and her insurance and I’ll get nothing. But am I entitled to nothing? Can i sue the other drivers insurance? A friend this morning said I should hire some attorney she saw on a commercial who won an accident victim lots of money…but I’m not too crazy about those kind of lawyers. But if I am entitled to money then there’s not much I could lose. So any legal advice is what I’m seeking. Can I really Sue the other driver‘s insurance even if they pay my wife for the damages for her car? If so what can I Sue for and who should I talk to? Where do I go from here?

Administrator answers:

Your wife can take the cash for damage for her car.
Any compensation for your injuries though are payable to you, not your wife.

Donald asks…

Do you think porsche 911 appropriate for 17 yo girl?

I want to suprise her with this car for her birthday,any advice please?

Administrator answers:

This is a really controversial question.
It would all depend on your daughter and how you want your daughter to grow up.
If your daughter is responsible and trustworthy, it shouldn’t be a huge issue. Beware that there is a huge responsibility in owning a car at that age, let alone a Porsche 911. If you are willing to spend so much money on a car (i’m assuming its a new 911), then you should be prepared to spend a load of money for insurance. But besides all this, the biggest con (problem) in buying your daughter a 911 is the sheer power and speed the car goes, and the unpredictability of a fast car around corners. These are extremely powerful toys and can be very dangerous if they fall into the wrong hands. The safety of your daughter should be your first priority, so if you think even the slightest bit that she may misuse the car, do not buy it for her. But if you trust her fully and she has gained the trust as a teenager and as a driver, then it shouldn’t be a problem. Just be aware that there are so many other car options available that would be just as good as a 911 for a 17 year old girl. You could get her a BMW 3 series or something similar…

Good Luck!

Ruth asks…

Can i sue him or claim from his insurance?

This past Friday I was in a bad car wreck in which, the front of the car I was driving was completely destroyed. The police found the other driver at fault and he quickly complied. Aside from my left forearm bruised and cut and having lower back pain, I’m Ok. His passenger wasn’t wearing a Seatbelt and he suffered broken arm, the driver was fine. Here’s where it gets tricky…the car I was driving belongs to my wife and she and I are separated, and plan on divorcing . I was planning on buying the car from her but she said she’ll collect what settlement the other driver‘s insurance pays her, since it’s her car and her insurance and I’ll get nothing. But am I entitled to nothing? Can i sue the other drivers insurance? A friend this morning said I should hire some attorney she saw on a commercial who won an accident victim lots of money…but I’m not too crazy about those kind of lawyers. But if I am entitled to money then there’s not much I could lose. So any legal advice is what I’m seeking. Can I really Sue the other driver‘s insurance even if they pay my wife for the damages for her car? If so what can I Sue for and who should I talk to? Where do I go from here?
Some of you will see that I’ve asked this question twice, and though I very much appreciate all your answers, there’s still important I’m seeking and not getting. For starters, the passenger was in the other car…the guy who wasn’t buckled. If his insurance settles with my wife(who I have to add prefers to keep all the money), How could I find out if any money paid to her was for my bills and injuries. Would there be an itemized list of what they’re paying her and can I legally see it? Also my lower back has been in pain and ive had a,bad headache since yesterday and I’m going to the Dr right after work about it.
And as far as pain and suffering go, I mean, her insurance does not cover rentals so I’m carpooling to work, I am unable to workout like i normally do cause my back hurts not sleeping.

Administrator answers:

As a former auto claim adjuster and also answered in prior question, will try and explain some things.

Auto insurance is usually in 3 parts. (EXAMPLE GIVEN BELOW)
10/20/10
10/20 means injuries in thousands ($10,000/$20,000)
last number 10 is property damages (car, pole, bike etc) $10,000

These are also known as liability coverage which in most states are required. In other words, pay for OTHER peoples damages/injuries if found at fault.

Unknown what state you live in, but the liability could be higher/lower.
25/50/10, or 7,500/15,000/7,500
It varies in each state what the law states you must buy.

Since 2 car accident, the last number shown pays for the other persons car (wife).

But since you and the passenger are injured, then the 1st 2 numbers come into play.
$10,000 is max they can pay 1 person
$20,000 is max they can pay per accident.

Guy with broken arm, if he has surgery and rehab etc, then $10,000 is all that they can get. If your injuries are only worth $1,000, they pay you $1,000, so the total they would pay in this scenario would be $11,000 for you and the other passenger. If the damages to your wifes car is less than $10,000, they pay her.

They will have your wife go to a body shop, or, they will have someone write an appraisal of how much it will cost to fix the car. She can take that check and fix it, or take the check, cash it and not fix it, which will be her choice. IF, she chooses to fix, they will pay for a rental for her to use while the car is in the shop for repairs. Remember it is HER car, not yours and that is who the insurance company will issue a check to, your wife as legal owner.

How you and your wife work out your divorce settlement and this car, will be between your wife and you and the judge. Since you have not bought from your wife yet, she is still the owner and also allowed to make a decision on how she plans to either fix or spend the check.

Since you was injured, then any check the insurance company settles with you on injuries, is YOURS, since you was injured.

BUT, that is based on state law where you live, and in some states, (UNLESS) seriously injured, would not be entitled to a injury settlement.

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