Coverage & Claims

Do I have to use the repair shop my insurance company recommends?

No, you do not have to use the garage or body shop your insurer recommends. In fact, many states have laws on the books specifically stating that an insurer cannot require you to use a certain shop.
Oct 11, 2021 Las Vegas, NV

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General Insurance

If I go through The Zebra to get insurance, will I receive the proof of insurance today?

Whether you decide to purchase insurance through The Zebra online or over the phone, you will receive your proof of insurance before you hang up. As long as your down payment is received, your policy can become active and documentation can be generated.
Sep 16, 2021 Lake Charles, LA

General Insurance

Do rates include the discount offered for drivers who have taken the defensive driver course?

The quotes you see online do not reflect you and your wife taking defensive driving courses, since not every carrier gives a discount for completion of the course. You are more than welcome to call into our agency and speak to one of our Licensed Insurance Advisors to see what carriers we have that offer that discount.
Sep 16, 2021

Eligibility

Can I insure a car with a rebuilt title?

To get insurance on a vehicle with a rebuilt title, you need to find the proper insurer since not every company does. It’s important to note that most carriers will only insure vehicles with salvage or rebuilt titles for liability coverage only.
Sep 16, 2021 Garfield, OH

Homeowners Insurance

Is it a requirement in Georgia that you have full rebuild coverage & 50% of that for personal property for a home with a mortgage?

When it comes to rebuild coverage, limits are completely up to the mortgage company you go through and depend on what they require. Most insurance companies will not insure the home unless it is at full replacement cost.
Sep 15, 2021 Cumming, GA

Coverage & Claims

Can I still file PIP claims for accents that happened years ago?

Florida is a no-fault state, meaning that in most cases you are responsible for your own medical care after an accident, regardless of who is at fault. Your PIP coverage should cover the most recent injuries (up to your policy limit which is typically $10,000 in Florida).
Jul 25, 2021 Ocala, FL

Eligibility

If I borrow a car am I responsible for insurance?

In general, the insurance follows the car and not the driver. If you plan to continue driving the vehicle, insurance will of course need to be current.
Jul 22, 2021 Cumberland, MD

Coverage & Claims

Can an insurer make me file multiple claims for a single accident?

Sorry to hear about your accident. Every company is going to have its own rules and regulations, so this is going to be up to them ultimately.
Jul 21, 2021 San Francisco, CA

RV Insurance

How do I insure the space my RV occupies?

Unfortunately, we do not insure RV spaces. We can insure your motorhome but not the land it resides on.
Jul 20, 2021 Grants Pass, OR

Homeowners Insurance

Does insurance cover water damage from a leaking shower?

Most homeowners policies cover water damage unless that coverage is specifically excluded. Look at your policy to see what coverages are included.
Jul 19, 2021 Beaverton, OR

Coverage & Claims

Am I covered if a friend wrecked my rental car?

I'm sorry to hear about the accident, but I would not attempt to make a claim on an insurance policy purchased after the fact. Insurance is always bound for the current time and forward.
Jul 18, 2021 Neenah, WI
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