General Insurance

Do I have a legal three-day window to drive to NY in my new car without plates?

There is no legal window where you can drive without the plates. If you are buying through a dealership they should be able to assist you on behalf of the state of Virginia in obtaining a temporary plate.

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Coverage & Claims

Do I have to pay the 2% plus my standard deductible if I had a house fire?

Sorry to hear about that. It sounds like you would only pay the 2% deductible and insurance should handle the rest.

Car Insurance Costs

Should senior citizens carry collision insurance?

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases. If she has been insured for a while — with a clean record — she should shop around and see if her rate is competitive.

Eligibility

Am I covered for an accident if my policy had lapsed while without an Uber passenger?

Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.

Renters Insurance

My neighbor flooded my apartment, does renters insurance cover the damage?

If you have renters insurance, your policy should cover the damage to your personal property up to the coverage limit. You'd be subject to a deductible if you were to file a claim.

Homeowners Insurance

Can my son's name be on my homeowners policy if he's not on the deed of the house?

Your son would not need to be listed in any way on the policy unless he is a part-owner. Any payouts from insurance would go to the lender and homeowner(s), so having him on there would not do anything for him.   If you have any questions, feel free to ask.

General Insurance

Can insurance be force-placed if we did not have coverage on the new vehicle for three months last year?

Yes, many lenders have this written into their agreements and you will get charged for any time not insured. In most cases, they will force-place insurance on the vehicle of their own and charge you for it unless you can provide proof that you were insured during those months. Learn more about collateral protection insurance here.

Homeowners Insurance

My homeowners insurance is canceling my coverage based on us having a home daycare. How do we get coverage?

If it was not disclosed to your insurer at the time of finalizing your policy that you're running a business out of your home, it is within the company's right to void it. While you likely won't need a home daycare endorsement if you already have separate liability insurance, every potential home insurance company will want to know that your home is also a place of business. Learn more about home daycare insurance here. If you have any questions, feel free to ask.  

Coverage & Claims

I made two claims last year. Should I file a third?

If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere. If you have any questions, feel free to ask.

Car Insurance Costs

What happens if you can't afford full coverage on a financed vehicle?

Sorry to hear about the situation. Rates for 18-year-olds tend to be high to begin with.

Coverage & Claims
Eligibility

If I give my daughter in Texas my car, does she need full coverage or liability?

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.
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