PRACTICE AREAS ABOUT US CONTACT US HOME AUTO ACCIDENTS PERSONAL INJURY REVIEWS EN ESPAÑOL Call Us First! 800-200-HURT Available 24/7 FAQ FAQ Our Car Accident Lawyers Answer Frequently Asked Questions After a traffic collision, you may have many questions about what happened and what you should do. In these situations, it helps to talk to people who have answers. Below, our lawyers provide some of these answers. Read through our frequently asked questions to become more informed before you are in an accident or to get some of the answers you are looking for after a crash. The car accident lawyers of James McKiernan Lawyers are here for you. Give us a call today for help with the motor vehicle accident claims process. General Will I receive a grace period for payment of my premium? What is depreciation? What will happen to me if I choose to drive without car insurance? What is a declarations page? Who is responsible for a mistake on my insurance forms? Can I insure another person’s car? Which states are no-fault states? What happens to my auto insurance if I am charged with a DUI offence? How does an insurance company define a sports car? How can I find the insurance records for the previous owner of a car? Can I purchase auto insurance if I have a foreign or conditional license? Can I purchase auto insurance if I have a learner’s permit? What should I do if my vehicle is totaled? How long will it take to recover my deductible? What does actual cash value mean? What happens if I forget to include some information on my driving record? What is a deductible? What is a premium? What is the main reason for requiring auto insurance? Do I have to purchase auto insurance if I own a vehicle? What is auto insurance? Claim What is the responsibility of my insurance agent in the claims process? What should I do if my company adjuster misses some information on my repair estimate? How many estimates does an insurance company require? If I am in an accident with a driver who has out-of-state insurance, where do I file a claim? How will I know the actual salvage value if my car is totaled? How do I know which representative will handle my claim? How long will my claim take to process? Will my insurance provider investigate any cases of potential fraud? Do I have to file a state motor vehicle report? Do I have to file a police report if my vehicle is stolen? Will I lose my safe driving discount if I file a claim? Can my company refuse to renew my policy if I have too many claims? If I contact my insurance company to verify whether my policy covers a loss, can they record this as a claim, even if I do not receive any money from the insurer? Coverage Will the amount of depreciation of my vehicle affect my coverage? What is gap insurance? If I sustain injuries in an auto accident as a pedestrian, will bodily injury liability still apply? Should I bother purchasing collision coverage if I own an older vehicle? What is single-limit liability car coverage? What is split-limit liability car coverage? Will my insurance cover the cost to replace a cloudy and pitted windshield if I purchased complete glass coverage? Who is responsible for any lost wages if I cannot continue working? Who will pay the remainder of my loan if my vehicle is totaled? Will my policy cover any property stolen from my vehicle? What is uninsured/underinsured motorist coverage? What is personal injury protection? What is bodily injury liability coverage? What is medical payments coverage? What is no-fault insurance? What does replacement cost coverage mean? What will uninsured motorist coverage cover? What should I do if I have an accident with an uninsured motorist? Do I have to pay a minimum amount of comprehensive or collision coverage? What kind of optional coverage can I choose? How do I know the minimum amount of liability insurance required? What is liability coverage? What is collision coverage? What is comprehensive coverage? Will my insurance company cover me if someone else sues me? Out of State Will my auto insurance policy be valid if I drive in Mexico? Will my auto insurance policy be valid if I drive in Canada? Will my auto insurance cover my relatives who have international driver’s permits? What happens if I am in an accident in another state? Policy Can my insurance company cancel my policy in the middle of a term? Does my insurance company have to advise me why they have cancelled or refused to renew my policy? Will I receive a refund if the insurance company cancels my policy? What does an assessable policy mean? Does my auto insurance policy have to contain the same name as my car loan? What should I do if law enforcement recovers my stolen vehicle? Will my spouse’s or children’s accident records affect my ability to purchase car insurance? Which household members do not need to be included on my policy? What should I do if I do not receive a satisfactory response about the unfair cancellation of my policy from the consumer affairs division? What should I do if feel my insurance company has cancelled my policy unfairly? Can my insurance company cancel my auto policy Rates Can my insurance company perform a credit check on me? Will it cost more if I choose to pay my premiums on a quarterly or monthly basis? Am I eligible for any kind of discount on my insurance policy? How can I lower my insurance premiums? How much will the cheapest car insurance cost? What are the most inexpensive cars to insure? Will my policy automatically increase after I file a claim? How do companies determine auto insurance rates? What factors affect my auto insurance rates? Rent/Leased/Shared Will my auto insurance policy cover me if I use my car in a car pool? Why do I have a harder time obtaining auto insurance if drivers in my household have a bad driving record? Why are the rates so different for different insurance providers? Will my auto insurance policy cover a rental truck that I use to move my personal property? What happens if I am in an accident while driving someone else’s car? Will my policy cover the cost of renting a vehicle while my vehicle is getting repairs? Will my auto policy cover me if I rent a car? Which individuals are considered family members? Why do I have to list all household members, even if they do not ever drive my car? Will my insurance policy cover other people if they drive my car? Do I have to purchase auto insurance if I lease a car? Risk What does assigned risk mean? What is a high risk driver? Can my insurance provider cancel my policy if I am a high-risk driver? What is a high-risk driver? Property & Vehicle Damage Who Fixes My Car? Who Pays My Deductible? Will I Get Top Dollar for My Totaled Car? Who Pays for Towing and Storage Charges? Do I Use My Insurance or the Other Party’s Insurance? What If the Other Side Is Uninsured? Do I Have to Use the Insurance’s Body Shop? New, Used, Or After-Market Parts for My Car? What About Faulty Workmanship on My Car? Who Gets the Property Damage Check? What If I Disagree with the Insurance Company? When Can I Get Paid? Who Pays What? Do I Sign A Release? Let’s WIN Your Case NOW! Let us CALL or ZOOM you. Full Name* Phone Number* Email* Auto Accident Slip & Fall Dog Bite Product Injury Brain Injury Sexual Harassment Wrongful Death Other powered by BirdEye 400 + 5 Star Reviews! Kristopher R. Chances are you’re here because you or someone close to you has been hurt. Your life has been turned upside down. The “it’ll never happen to me” mentality gets thrown out the window- No pun intended. And chances are you know someone who knows some lawyer who did a thing and blah blah blah. [READ MORE] Jamie Lee They handled my case involving a car accident. They’re extremely polite and professional. Any questions I had they addressed them immediately, I never had to wait for a reply. Everything about my experience with this firm has been the absolute best. I without a doubt recommend them [READ MORE] Charlie Criner 5 Stars! Outstanding firm dedicated to “righting wrongs” for people in need! So glad I contacted [READ MORE] Let’s WIN Your Case NOW! Let us CALL or ZOOM you. 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