how do car insurance claims work?

A girl hit my parked car last month and she now wants to go through insurance instead of just paying cash, so how does this work? I assume:

- she files claim
- insurance company asks for quote, tell them price
- insurance company pays for repair

but my main question is do they pay YOU or do they pay the shop directly?




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lol. my phone was stolen. it was the samsung rogue, and since they don’t make those anymore, i have to get the samsung reality. can i choose the color? because there’s piano black or city red. but i don’t wanna call the insurance company and be like "can i get this color of the phone" because idk, i think that would be weird lol




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I was in a car accident with another driver at no fault of my own and now the insurance company is refusing to pay for my damage. Is it possible to take a company to small claims?




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I got a home from clayton homes that I had about ten years now . A they home insurance for a mobile home is riduclious and the insurance on my home go up every year and the name of their insurance ageny that they gave me was Home first agency inc. And their insurance is too high. Is their any other insurance company that will take insurance on a mobile home.




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I don’t really undrstand how it will work out. The lawyer told me that I will leave out his office a happy lady. But I lost my car in this acident , and the insurance company only gave me the NADA value which was in poor condititon because it was totaled. So far my medical expenses range from 2720 to 2800 dollars. Can some one just please give me a little more insite. Also I’m going for my pain and suffering also. Thanks for the advice.




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My insurance company is trying to dispute a bill because I had a yeast infection. They’re claiming it’s a pre-existing condition! WTF!!! A yeast infection? It’s not like that is some serious condition that I knew about. I went to the doctor and found out I had one. What a rip off!




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Had an accident and the other driver filed a claim with my insurer.

The insurer denied the claim after talking to me and looking at my photos.

So if he sues me, is my insurance company obligated to defend me? What if he sues me in small claims court where no lawyers are allowed?

And if I were to lose the case, will the insurer pay?




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I just started working with an insurance company to make cold calls to set up appointments for the agents. What is the standard procedure for the insurance industry? How much is typically paid per appointment made & what is the typical percentage amount paid to me once a policy is sold?




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Father and Stepmother were in process of divorcing, but father died before everything was final.He purportedly changed his life insurance policy to include all of his children, not just those bore by him and stepmother. He sent the paperwork in the mail. Never heard anything and stepmother has everything because father’s new will wasn’t finalized…It’s been three years. What can I do? How can I find out which life insurance policy he had and do we stand a chance of getting any of the money if the insurance company simply didn’t process the change before he died?




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I am going to get a car soon and i want to look for an insurance company that is cheap and won’t really burn a hole in my wallet. Maybe someone cheaper than 120-150 per month? Please give me name and estimate price for which car.




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