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 Car Insurance for my 16 year old in Illinois. My ex husband is buying him a brand new 07 Chrysler Sebring.?
He doesn't deserve it either. My son has been living with his dad for the past 2 years. He get horrible grades and has no responsibility none whatso ever. They are asking me to look into how ...

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On April 4,2007 my husbands car was parked in the street which is in a culdesac, the neighbors daughter was dropping her off and when she reversed hit our parked car. We were told by the officer ...

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 Hows does this car insurance works?
my hubbys bro wants to take our car for a week for a trip...our insurance covers only me and hubby...so can we give it to him?and if so how can we insure him for a week?...

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I just got my permit and want to drive my moms car. Do i have to be on her insurance if i only have a permit?...

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Last week a lady filed a police report claiming I hit her parked car. I never felt anything backing out and there was no damage done to my car. After speaking with the cop I called her asking to get ...

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 Do I need to have my license to insure my car?
Im buying my first car in a month, I know I can tranfer the title without having a license, but can I insure and register the car without having one? The car isnt going to be driven for a bit, but I ...

 Is it typical for a body shop to give me money back for letting them work on my car if insurance is paying?
My parked car got hit and other party took responsibility. I want to get it fixed. If I pay for it body shops charge $3k. If insurance pays for it the body shops will "milk" the insurance ...

 Is this Insurance Fraud?
I live in NJ, but my Grandmother lives in North Carolina, can I get a license there and say I live with her so I can register my vehicle through NC and get they're insurance rates?

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 Got into an accident?
i got into an accident that had MINOR damages but it's noticeable, should i involve my insurance since the guy who hit me is being an ahole? haha .. i do want my car fixed but my dad said it'...

 I just received a parking ticket on my girlfriend's car. I'm not insured on it or registered. Am i in trouble?
I live in Ontario. I'm basically wondering if they'll actually do a background check or if I can just give her the money to go pay it. On the ticket it says "he".
Additional ...

Stephanie B
What is "Unrelated Prior Damage" on an Insurance Estimate for damage on my car?
The tow truck that towed my car that had died, did not tie it down correctly so it rolled and hit the front of the flatbed truck and caused damage to the front of my car. They deducted this unrelated prior damage on the estimate. What does this mean?
Additional Details
All the damage occured in the front and they are saying the unrelated prior damage is all the other dings on the rest of my car that was not involved with the towtruck.

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Pedro S
u may not get paid for dammage unrelated to the accident..u may have to file against the tow co

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They are saying that you had other damage to your car, and they are deducting what they feel the other damage costs are, from your current claim. If you do have unrelated damage, it's only fair that the insurance company not have to pay for that, unless a claim has been made. Also, the adjuster works for the insurance company, not you. He wants to come back with the lowest bid, for the sake of the company. If you feel you are not being treated reasonably, you can contact the Insurance Commission, and they can explain how the process works. The bottom line is, the insurance company only pays for the current damage. Your car will be valued at blue book,plus or minus condition/wear, then the prior damage estimate is deducted, then you receive the balance, unless you owe on the vehicle, then the lender gets the money.

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The car already had damage to the front prior to the mishap. I would guess that's what they are saying

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The estimate says that you had already had some damage to the car before the accident. That means that they will not pay for damage that was already there before the accident.

It will be up to you to decide what you think is fair. If the car did, in fact, have prior damage then you can accept the estimate, however, if your car didn't have the damage, then you can call the insurance company and fight it, or get a lawyer and fight it in court. good luck

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Need more facts. Did your car 'die' from a collision? Is it a total loss? Normally, only 'unrelated prior damages' are deducted from the value of the car when it's declared a total loss. 'Related' prior damage can be deducted from collision damage, (let's say your front bumper has prior damage to the left side then you have a collision and destroy the bumper. The insurance company then deducts the amout of prior damage that was already there from the cost to replace the unit).

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Jason G
Seems simple to me....unrelated prior damage is just that. It's unrelated to the loss, it's prior damage. An estimate will always list the damage on the car with a notation that it's unrelated. No one is going to pay for damage they didn't case.

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Texas Pineknot
Unrelated Prior Damage is damage that was already on your car before the tow truck dropped your car. Usually the driver does a quick inspection of your car before attempting to load it and records prior damage on his clipboard. That way you can't come back at them later and say that they caused this damage. They will only pay for what they caused when they dropped the car. You will usually not be paid for prior damage when something like this happens.

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