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If the repair costs more than the car without an accident, will it still get totaled?
Insurance won’t cover repairs if there was no accident or covered lossYour 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 repai…
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 …
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 tha…
If I have gap insurance and totaled my car, but there is no gap between insurance payment and remaining loan balance, do I get a refund?
Not all gap insurance is written in the same manner, so you may have to refer to your insurer to get more information. From my understanding, if you pay off the loan and didn't use gap insurance to do so, they will probably refund some premiums paid back to you. It doesn't hurt to call them up and …
Do I need a police report to file a claim with insurance if I damaged my own vehicle?
You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium. I would get an estimate for the damage and see if it's worth filing a claim for, and possibly pay out-of-pocket to a…
If I move to Florida from Virginia for college, would I have to change my plates and get Florida auto insurance?
Florida law states that if you are in the state for over six months of the year, you need to register and tag the vehicle there. To do so, you will require PIP (as Florida is a no-fault state) and liability insurance. Check out our page on car insurance in Florida to learn more about the state's re…
What insurance companies can I use with Turo?
I'm not sure how many companies are actively offering coverage for Turo, but I do know they have a sponsorship with Travelers that allows hosts to choose a protection plan. This protection plan covers liability and physical damage to the vehicle, but hosts can also deny a plan if they have their ow…
Can you get in legal trouble if you hit a parking pole?
Whether or not you could get into hot water legally-speaking depends on a few factors: 1. Was there another party involved in the collision? and 2. Was the collision reported to anyone?
You should report any accident you cause to the other party. If they find out you caused damages via security tap…
Will having historical plates on my car lower the cost of insurance?
Historic plates can lower insurance if the car meets age and usage criteriaIf you are going to have historical or classic plates you are going to fall into special types of plans. Personal auto plans that most companies offer will not adequately cover what you need. That, or they will charge you mo…
Do I still need uninsured motorist coverage if I have Medicare coverage?
You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high.
On the issue of property damage, you are correct. Without uninsured motorist property damage covera…
