Is comprehensive insurance necessary for teen auto insurance?
Jennifer Gaga : My car was towed to a auto repair shop due to an accident. The insurance company assessed the damage and totaled the vehicle. I have only liability coverage on the vehicle, will I be able to get the damage for the car.Also, I had a trailer hitch installed on the vehicle which is not part of the original vehicle makeup. I own the hitch assembly which is attached by 8 bolts. The shop adjuster refused to allow me to remove the assembly . My question is…can or are they allowed to deny me acquiring what I own from the vehicle? They want to charge me a tear down fee to remove it. It’s sitting on their lot. They said I can’t do “work” on their property. What should I do?
Comprehensive auto insurance is a requirement for Teen auto insurances
Response : Jennifer there are two issues to your problem one is whether you would get the auto damage coverage for your car presently when you do not have a comprehnsive auto insurance coverage. In cases like this it would depend upon who is at fault and if the opposite driver is at fault you would be paid by his insurance company for the auto insurance damage since it would fall in the dirveres third party property damage coverage. Please ring up your insurance company and ask them details about who has been at fault. If you are at fault 50% than you would be reimbursed 50% of your cost.
It is most advisable to have a comprehensive auto insurance coverage for teens or young drivers since they are more prone to accidents as per the statastics also. Secondly, if it is a new car it is better to pay a slightly higher premium and get your full coverage or comprhensive auto insurance coverage also. Once you compare auto insurance quotes online you will get cheap car insurance quotes quite easily.
Now about the shop repairer not allowing you to remove your own stuff, it would be best to ask the insurance company for support and clarify from them in writing that they give permission to you to remove your stuff. This is best since the insurance company might have already sold the salvage to the shop reparier and so he would not allow you to touch the property or work on his premises since he is responsbile. If you have coverage for the same under your home policy you can ask for a claim under your home policy.
Let me now if you have any further questions on teen auto insurance or cheap car insurance quotes.
Thanks.
Kamlesh
Teen auto insurance