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If you don't have a receipt for goods, do renters still get paid for property loss?
You can file a renters insurance claim without receipts, but moving forward you should keep an up-to-date inventory of your personal belongings with photos and get an appraisal for big-ticket items.If you reach out to your insurance company, they will let you know what all would be covered under yo…
Will my insurance company reimburse me for a window I paid to replace?
I'm sorry to hear about the damage (and the sweater!). The good news is that since you are in California, glass claims should not impact your premium. In most locations, it's up to the discretion of the insurer to raise rates based on glass claims but in California, specifically, not-at-fault claim…
Is accident forgiveness with Nationwide a good idea?
Accident forgiveness, which Nationwide offers as an optional add-on in many states, can keep your premium from going up after your first at-fault accident. However, it's the lease that makes things more complicated. With a leased car, the main thing is that you’ll usually need full coverage (liabil…
Is a tracking app worth it if I hardly drive?
SmartMiles is Nationwide’s pay-per-mile program, and it’s designed for exactly the situation you’re in — people who don’t drive much. Instead of paying a flat premium, you pay a smaller monthly base rate plus a per-mile charge. For someone driving only around 4,000 miles a year, it can often be che…
How much is food truck insurance?
The cost of your food truck insurance is going to differ depending on a number of factors, so it's very hard to even give a range. Progressive notes that general business liability coverage sold through their Advantage Agency in 2020 averaged around $53 per month. Of course, you'll need coverage fo…
Do I need personal or commercial auto insurance to tow my flatbed trailer and hauling machinery?
Even though your vehicle is used for personal use, your vehicle itself is made for business use. If you want it insured then you will need to get commercial insurance, especially if your son-in-law has an equipment company.
Do I pay a deductible for a liability claim?
Good question! With Safe Auto (and most insurers), deductibles only apply when you have collision or comprehensive coverage. Since you only carry liability insurance, your own vehicle isn’t covered in an at-fault accident, which means there’s no deductible to pay.Here’s how it breaks down:Your car:…
I have liability coverage only and I hit a highway median. Am I covered for any damages?
Liability insurance only covers damages you directly cause. It never covers your own property. If the state seeks damages and the insurance was not active you do open yourself up to potential lawsuits for them to collect their damages.
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. You would likely just need to show insurance at the point of sale to get that done. If you are…
Do I qualify for USAA if my brothers are active military members?
USAA membership isn’t extended to siblingsUSAA (United Services Automobile Association) offers some of the most competitive insurance products on the market, but membership is limited to a specific group of people. If you're considering USAA for car,home, or life insurance, it's important to unders…
