Coverage & Claims

My car was keyed 4 months ago. Is it too late to file a claim with my insurance company?

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.

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Eligibility
General Insurance

How do I get insurance if I'm a Canadian student moving to NY?

You can still find car insurance without a social security number, but it may be more difficult without a US driver's license. Many insurers will not offer policies for non-licensed drivers.

Homeowners Insurance

Will home insurance cover a robbery claim after my policy was canceled?

This entirely depends on the date of the loss, i.e. when the home burglary happened.

Coverage & Claims

If I backed into an uninsured car, do I still need to file a claim to fix the car?

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.

Eligibility
RV Insurance

Do you offer insurance for conversion vehicles?

It will be difficult to find insurance for your modified vehicle. Unfortunately, The Zebra does not offer any insurance carriers that will cover your converted van.

Eligibility
General Insurance

Can my 16-year-old daughter have a non-owners policy and drive my car?

In short, a non-owners policy is for someone who doesn't drive a vehicle on a normal basis, doesn't own a vehicle, and doesn't have access to one. So if your daughter only rents cars, then non-owners insurance may be a better fit.

Coverage & Claims

Does insurance cover someone helping me get my keys out of my locked car?

It would be covered if you have roadside assistance as part of your coverage. If you only have the minimum amount of liability coverage, it's likely you won't have coverage for a lockout situation.

Coverage & Claims

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.

Eligibility

What does an insurability score of 813 mean?

We have an article that breaks down the insurance score here. In short, a high insurability score means insurance companies should be very competitive in rates and you are an ideal — or "preferred" — customer.

Car Insurance Costs
General Insurance

DMV shows my license being suspended for 3 months because paperwork was submitted late. My insurance has skyrocketed, how can I correct this?

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

Eligibility

Which insurance companies will insure a driver without a license?

You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
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