Our old (2005) but good (20K miles) Jaguar X-Type was broadsided in an intersection by a teen girl in October 2012. The driver's father's insurance, Chubb Group, paid to have the car towed to our Jaguar dealer and to a body shop, for body work and for a rental car. After I complained about lost trade-in value, they kicked in another $650 cash. My DH was driving and suffered only sore ribs. We have not paid for his check-up at the hospital ER on the day of the accident, and he had no lasting physical probems once the bruised ribs improved. Chubb has yet to settle the personal claim. Yes, we are happy no one was seriously injured, but...this has caused us DAYS of work with the back and forth of getting the car back and the general unsettling effect of the accident. What should we be expecting from Chubb on the personal injury side of this incident?

Ahhhhh....deep breath. Thank you all for your wisdom and replies! I'm going to look into the companies you suggested as we still have time to change before our old coverage expires. Now that I'm calmer (!), I think I wouldn't have hit the ceiling if yesterday's email from Esurance had included a statement like: "Please note: if this vehicle was purchased within the past XX days, please confirm that the registration has been updated to reflect your ownership" or something to that effect. I simply opened the email and was blasted with the notice that they'd found something that we'd apparently hid from them, and my interpretation of that was that it was slamming our ethics. I'm not saying that very well, but you get my drift. I also find it terribly creepy that they put the full name of a stranger in our email. When we purchased the truck last week from a long-standing reputable dealer, never in any paperwork was the previous owner's name listed. Frankly, we're buying a used truck, and the previous owner's name is none of our business. So that email on top of the previous one that claimed we'd provided inaccurate information about a gap in our coverage on top of our current insurance agent's genial incompetence on several occasions (not that his incompetence had anything to do with Esurance!) was enough to send me around the bend. We have excellent credit and a clean driving record other than a deer hit at the end of 2009 (the deer hit last fall didn't count against us since no insurance was paid out) so this should be SO simple. Thank you all again. I'm off to do some internet research! You guys are the best!

We haven't bought a new car in many years. Always buy a 'last year's' model with a long dealer warranty. We put on very few miles, so it's the years on the warranty that count for us. Had our last car almost 10 years/42K miles. We've had some 'loverly' cars that a first owner took a big hit on for us. (My favorite was a white V-12 sedan.) Very happy with our current Jaguar X-Type 3.0 It's beautiful leather inside, small, great traction and pep, good mileage too, but with the little we drive that's not a major consideration. I'm so sorry it's been discontinued. I guess it was much too nicely priced for them to make enough profit on it. Have no idea what's next for the Jaguar brand now that it's owned by an East Indian firm: Tata.

This topic comes up quite often and is a good topic. It's often not easy to confront someone who shouldn't drive, but then again, it's also called being responsible. What I don't understand is that most people seem to have no aversion to taking someone's keys if they're drunk. (Brainwashed by MADD I suppose.) But too timid to take their keys when they're a danger by their driving. Splain that one to me Lucy... I do not agree with disabling a car. There's legal ways to do this and committing a crime is a coward's way out. Plus they'll just get it fixed. What makes a person think that's going to do anything? Working with the police is good, but you can't expect them to always be able to drop everything and send a car to search for them and follow them. You'd be better off following them yourself and call in that there's an erratic driver if that's the case. There's an independence thing, a bit of an "ego" with some, just self-pride and satisfaction that you can take care of yourself. I understand that. And I know some are more bullheaded about it than others. Age by itself doesn't bring wisdom or maturity. Sometimes they won't acknowledge that they're not what they used to be. I see a lot of older people say stupid things and throw tantrums. At the same time, age by itself doesn't mean you're a bad driver though either. I know some elderly drivers I'd ride with before riding with some younger ones. The biggest mistake IMO is people don't have their parents and others ride with them often enough to get them used to riding with others. I know I seldom ride with others, I usually do the driving or I drive myself and it's been that way since I started driving. It's a very uncomfortable feeling to not have access to a vehicle when you've been this way. For instance, if the car is in the shop it's very uncomfortable to not have it. Yes it's silly but it's true. Even with the snowstorm I was essentially snowed in until the driveway was cleared. Again, a very uncomfortable feeling and it's not that you want to go anywhere, or need to go anywhere, it's the fact that you CAN'T if you want to. With some it feels like a punishment just because they're not used to it. I hope that if I get to a point where I shouldn't drive, that I'll realize it and accept it. Better yet, some buxom young honey wants to come and drive me around and take care of me in my old age..... LOL As Red Green says, "we're all in this together". People owe it to themselves and others to stop when it's right and people owe it to themselves and others to say hey, you shouldn't be driving anymore.