Car Insurance Costs

Can it be cheaper to have two cars on an auto policy instead of just one?

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General Insurance

Can force-placed car insurance be removed on a car that does not work?

Most loan terms require that the financed vehicle must carry the comp and collision coverage. Even if the vehicle is broken-down and non-functioning, you still have to follow the stipulations set by your lienholder.

Coverage & Claims

Is it illegal to carry liability insurance rather than full coverage on a financed vehicle?

Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.

Coverage & Claims

I broke a tooth while working on my friend's car. Will his auto insurance cover the dentist bill?

Auto insurance will not get involved in this situation unless you were injured in a car accident or something else that would qualify as a loss. If your friend is at-fault for this happening, you could file a claim against the personal liability coverage of their renters or homeowners policy.

Coverage & Claims

If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?

The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do.

General Insurance

If the repair costs more than the car without an accident, will it still get totaled?

Your insurance company will never get involved in helping you repair your vehicle if there was no accident or other loss that caused the damage. Since there was no accident, you are on the hook for paying for your vehicle's repairs.

General Insurance

Can a lender dictate what my deductible is?

Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.

Car Insurance Costs

Will using Amazon in-car delivery raise my insurance rate?

From what I understand, using Amazon's in-car delivery should not affect your insurance rates. Because the couriers don't drive your vehicle(s) and are simply dropping items off in a parked car, I don't see any concerning factors an insurance company would worry about — unless a courier vandalizes or steals your car, which seems unlikely. If you have any other questions, don't hesitate to ask.

Car Insurance Costs
Motorcycle Insurance

Will a comprehensive claim on my motorcycle affect my car insurance rates?

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

Coverage & Claims

Should I file a liability claim if I caused $650 in damage to the other car?

We have a handy guide on how to determine whether or not to file a claim here. For that amount of damage, it's probably wise to forgo the claim and pay for the damage out-of-pocket. If you go through insurance, you would be classified as at-fault in this incident and you can expect your premium to increase over a period of three years.

Homeowners Insurance

What is O&L coverage and why do I have it?

O and L stands for Ordinance and Law. Though your agent said that it wouldn't cover code upgrades, perhaps he meant that if a code went into law, your insurance isn't going to accept claims to upgrade the home and bring it up to code — unless your home suffers a loss. What this coverage does is that if your home is damaged, you have additional funds to bring the building up to code with any new laws since the home was originally built.
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