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Will my auto insurance cover damage to a fifth-wheel camper, or should I use my RV insurance?

I'm so sorry to hear about your accident!  The best thing to do would be to contact your RV insurance claims department to see how they want to handle the claim. How this claim pays out will be dependent on the details of the accident. They can refer you to your auto insurance claims department if …
Oct 16, 2025 Leakesville, MS

Should I get my own insurance or stay on my parents' AAA policy?

If your mom has an umbrella policy through AAA, and you live in her home, she likely has to list you as a driver on her full coverage policy. That’s a common requirement for umbrella coverage. Insurers want to make sure all household drivers are accounted for.Your presence on the policy might also …
Nov 5, 2025 Danville, CA

Do I need long-term rental car insurance?

Thanks for reaching out to The Zebra. Having insurance on any vehicle you drive is recommended (whether it's a rental or personal vehicle), and wanting to carry it for 75 days leaves you with two main options.Option#1 (likely the simplest) is to buy the insurance offered by the rental company, but …
Aug 13, 2024 Las Vegas, NV

Should we keep car insurance for an elderly driver?

Non-driving elderly car owners may still need insurance coverageWith Allstate, as with most insurers, the key thing to remember is that insurance follows the car, not the driver. That means if your mom’s aide (or anyone else) drives her car with permission, your mom’s Allstate policy would provide …
Mar 18, 2026 Lake Worth, FL

What is the grace period with Progressive?

Grace periods for a new vehicle vary, so contact your insurerFor most major car insurance companies (including Progressive), you’re correct. While Oregon doesn’t give you an official grace period under state law, many insurers will automatically extend your existing coverage to a newly purchased ca…
Feb 27, 2026 Portland, OR

Can I get car insurance without a home address?

Getting car insurance coverage between homes is tricky, but there are a few options worth knowing about before you assume you have to wait. Car insurance companies use your home address as a key rating factor, and most require a stable, permanent address to issue a policy. When you're staying somew…
Sep 11, 2026 Portland, OR

How long do I have to file a property damage claim in North Carolina?

Thanks for reaching out to the Zebra. I'm sorry to hear you're going through this! An accident is stressful enough without worrying about time limitations.The statute in North Carolina for filing a property damage claim is technically three years. However, I would recommend taking care of the claim…
Feb 6, 2024 High Point, NC

Should I work things out with the at fault driver instead of going through insurance?

We are sorry to hear that you were involved in an accident. If you and the at fault driver have agreed to have them pay for the damages out of pocket, that is within your rights. However, if you're going that route it is wise to photograph all damages, keep a paper trail of your correspondence, see…
Feb 15, 2023 Minneapolis, MN

Can you file a claim on behalf of the insured if they are deceased?

First of all, we're very sorry to hear about the passing of your mother. Our thoughts are with you and your family. As to your question, you mention that you're not the official executor of the estate. Do you know if there is an official executor? If you're in contact with the person who is, they w…
Feb 15, 2023 Winter Park, FL

How do I know if I'm covered and what coverage I have if I'm not the primary policyholder?

We are sorry to hear that you were involved in an accident and to hear about your current predicament.Does the primary policy holder have the written policy so that you can see what cars are covered on it and for which coverage? If not, you may want to contact the broker that sold the insurance pol…
Aug 8, 2025 San Antonio, TX
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