Your state's department of insurance is there to help, so use their expertise to check on your rights as an insured driver. They're involved in the process so you don't get cheated.

my car was rear ended and totaled If you have Homeowners or Rental insurance, a “rider” might sound familiar. For a homeowner's policy, if you own expensive items, like fine jewelry, you need to add a rider to your policy. The reason – Insurance Companies won't cover those types of items as part of a regular insurance policy.

totaled van totaled More Likely to Be Stolen: Cars that thieves tend to steal will cost more to insure. This is because insurance companies have a greater likelihood of having to pay to replace these cars or to get them repaired if they are stolen.

If you have purchased Gap insurance with your current insurer, it would insure you for the difference between the loan amount on the car and the actual fair market value. But, not all insurance companies offer Gap insurance.

The Closing Costs were financed and therefore accounted for, so the only remaining factor is the Term Differences Savings. Since your current mortgage expires in 15 years, but the new mortgage is for 20 years, this is the money you would NOT have to pay for the final five years if you STAY in your CURRENT mortgage. Your CURRENT monthly payment is $1265.06 and NOT paying that for 60 months would save you $75,903.60. This number is also written in the column, but as a negative since this is a loss you realize by taking this refinance. Total up the $61,164.00 and the $0.00 and the –$75,903.60 and you'll get a FINAL total loss of –$14,739.60 after 20 years or the life of the loan.

When you lease a vehicle you are not only subject to a time period, you are also subject to a mileage allowance, which you should not exceed. In addition, you are required to pay a security deposit in case the vehicle gets damaged for tear and wear. If you return the vehicle in a good condition, you will get your security deposit back.

If you do not agree with the figure you are quoted try negotiating a better settlement. Do some research of your own. Sometimes you can talk them higher. This can be hard, but do not give up without a fight.

Recorded statement from you. The other adjuster is going to ask you questions meant to get you to say something that could allow them to deny your claim. Understand that you do not have any legal obligation to give a recorded statement to the other driver's adjuster. If you decide to grant a recorded statement, ONLY do it in the presence of your own attorney. And, you should include your attorney's bill in your insurance claim.