I got my license, im 17. My dad went to the insurance people and he told me that I cant take the car until the bill comes in the mail. Its been over a week and it still didnt come. We got a discount on good grades and then drivers ed so now my dads saying thats why it hasnt come and it has to get approved by the office and all this crap. I think I am being bullsh*tted.

I dont understand why you would have to wait for a bill to come in the mail. I know tons of people that got on the insurance policy right after they got their license it didnt take a week. I dont know how this insurance stuff works so is it true you have to wait to get it approved or you are uninsured?

ok, i was involved in auto accident earlier this week & it was not my fault at all… i was at a complete stop waiting for oncoming traffic to pass so I could make a left hand turn. I had my blinker on & was sitting at a complete stop for about 10-15 seconds & this woman struck me at full speed from behind. She has no insurance at all, expired tags, & driving on a revoked license. I, on the other-hand, have full coverage insurance but I just found out that I do not have uninsured motorist property damage, but I have uninsured motorist bodily injuries. Since I have full coverage, my co. will take the responsibility of the damages but I have to pay my 0 co-pay. So, is this woman going to walk away sky free from the responsibility of the damage to my car since I don’t have UMPD? The appraiser came out this a.m. & said my car is probably totaled but here is another issue, I owe more than what the car is actually worth! So, I’m going to be stuck paying the difference from what the company totals my car out at & what I actually owe!! What can I do? I’m unsure if I have Gap insurance… any advice would be greatly appreciated!!!

got my license, im 17. My dad went to the insurance people and he told me that I cant take the car until the bill comes in the mail. Its been over a week and it still didnt come. We got a discount on good grades and then drivers ed so now my dads saying thats why it hasnt come and it has to get approved by the office and all this crap. I think I am being bullsh*tted.

I dont understand why you would have to wait for a bill to come in the mail. Cant you just pay in the office? I know tons of people that got on the insurance policy right after they got their license it didnt take a week. I dont know how this insurance stuff works so is it true you have to wait to get it approved or you are uninsured?
I think my parents are doing it purposely so I cant drive. They make a big deal out of everything.

I have American Family if that helps at all.
I figured I was. Wow that really makes me mad.

Auto insurance claims?Total my 06 tundra. I owe the finance co. 26,000.insurance co ofers 22,000 am i screwed? I got gap insurance. another offer was to to let me keep my truck and get 16,000 from the insurance co. I am financed thru toyota and my interest is 21%. my truck is a total loss. I am pretty confused about the hole thing. I purchased the truck in 2006 for 30,000. payed more than 15,000. on it already. and my pay off was still high. i had no credit and i needed to build some, so i got the truck. any advise on dealing for a better settlement? or is the offers they told me about fair? any advise? thanx.

I hit a tire that was in the road. When I got home I looked under the car and I was losing transmission fluid. After about 40 minutes, it stopped dripping completely. The next morning I called my insurance company and there wasn’t much of a conversation. They pretty much said I could take my car anywhere I wanted to get fixed and that I would be contacted by the "adjusters". So I was like oooooooooooook.

I had my car towed to a transmission shop. They said I needed a new oil pan(transmission fluid pan, not motor oil). I got my car back that same day. The amount was 7. My deductible is 0.

Here’s my question. Since the amount I paid was less than my deductible and I paid out of pocket, will my insurance be affected at all? I have State Farm. Does it affect your rates just for **the mere fact you made a claim**? What about discounts? For example, the Accident Free discount. Would that be lost? If so, how long before those discounts are reinstated?