Auto Insurance Claims: I hit a deer less than a year ago, and just found out I had comprehensive, state insurance commissioner, personal injury insurance

Question
I hit a deer last November 2005.  I thought I was out of luck because I did not have collision.  I made some repairs on my own to the front end, but there is still plenty of damage on my left side to the doors.  I recently found out that I have been carrying Comprehensive since 2/2005.  Can I still make a claim?  Is there a window or time constraint on making a claim?  In addition, can I recoup money spent on fixing the vehicle or have the proper mechanics replace parts that should have been replaced originally?  

Any help would be greatly appreciated.
Thanks,
Tony

Answer
Hi Tony,

We need our resident insurance adjuster expert to jump in here with some help becasue I am not certain of your rights.  My own policy does have a requirement that I report any accident promptly, and there is good reason for that.

One is to defend you if need be, but mostly, in a case sucn as this it is to prevent fraud.

I would check two places.  First, call your agent and ask her.  Second, call your state insurance commissioner http://www.settlementcentral.com/links.php for information.

Here are techniques to help you overcome fraud concerns.  First, every rule has a purpose.  I always try to argue that my case has safeguards that fulfill any needs and provide safeguards that satisfy any concerns.  Think of how you can do the same thing in your case.

First, tell why you did not report earlier: you just now discovered that you had the coverage.  Tell how you discovered this.  Use that person as a witness.  

Second, get anyone who is a witness to the original damage to make a witness statement for you.

Witness Statements Settle Personal Injury Insurance Claims http://www.settlementcentral.com/page0196.htm

Auto body shop witness car accident damage http://www.settlementcentral.com/page0165.htm

NO, I do not see your insurer  paying you for the work you did, but they should pay for the entire damage repair cost, less your deductible.

Thus, you will get a check for the entire amount and so long as you do not have a lien holder (the bank), you can do what you wish with the money.

Best wishes,

Dr. Settlement, J.D. (Juris Doctor)