All Questions

Dispute incorrect accident records with your insurer or CLUEI would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle. If the comp…

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out. Most companies will allow you to dispute the claim if you have proof on hand that shows it i…

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…

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 …

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…

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 …

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…

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…

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…

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…