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Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience in the area

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.


Society of Certified Auto Appraisers


Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients

My company has done work for consumers nationwide.

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Recent Reviews from Users

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
christina04/12/16101010Thank you so much for your quick .....
Zachary04/05/1610Thank you!
Edgado Bonilla04/01/16101010Thank you for the information.
katherine03/14/16101010Thanks so much for the prompt response!

Recent Answers from Richard Hixenbaugh

2016-04-11 Underinsured motorist:

Hi Christina,    I'm sorry this has happened to you.     Here is how the medical payments will go.     1) Your MEDPAY pays first until exhausted.   2) Next, nothing will be paid by the at fault insurance

2016-04-05 At Fault Accident with no Payout and no other Drivers:

Hi Zachary,    You should call Liberty Mutual to see if you can get it corrected. However, keep in mind that they may still consider it to be an at fault event even if no money is paid out. You hit the

2016-04-04 At Fault Accident with no Payout and no other Drivers:

Hi Zachary,    Even though you did not have collision coverage and no money was paid out, when you reported the collieion to Liberty Mutual it is recorded as an at fault event. It does not matter that

2016-03-31 How to become a Certified Appraiser in Florida:

Hi Edgado,    You are correct, there is no license in Florida for an auto damage appraiser. There are however, other credentials you can obtain such as ASE and or ICAR. ICAR provides training classes and

2016-03-14 Will these Accidents go towards me?:

Hi Zachary,    If she does not live with you then you did not need to put her on your policy to begin with. You can loan your car to anyone that does not live with you and they are covered as long as the


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