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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
Renaye03/13/17101010I like his honesty. He also have .....
Nate03/10/17101010Thank you. Your explanation was spot on .....
kebhisha01/28/17101010Thank you for taking the time to .....
christina04/12/16101010Thank you so much for your quick .....

Recent Answers from Richard Hixenbaugh

2017-03-17 Motorcycle damage:

Hi Marcy,    This should not be a claim against your policy at all. Your claim is against the tow truck company and is therefore a 3rd party claim. You insurance company may pay the repair bill but that

2017-03-12 Car:

Hi Renaye,    Unfortunately, there is no easy answer here. The only way to determine liability is to take a statement from all drivers, examine the damage to both vehicles, question any witnesses and then

2017-03-09 Total Loss Settlement:

Hi Nate,    You are under no obligation to provide the bill of sale. It does not matter what you paid for the car. What you are owed is the market value of the car on the day or the loss. If they persist

2017-02-25 Car Insurance Effectivity:

Hi Catarino,    There is no a simple answer here.     If your daughter was added to your wife's policy after it was initially taken out, then yes, the premium is due after each month. If she was put on

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


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