All Questions

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. 

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:…

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.

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…

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…

Generally speaking, yes — Erie Insurance is a well-regarded company that offers many of the same core coverages as larger national carriers. That said, each insurer structures policies a little differently, so it’s important to review the fine print before making a switch. Erie offers standard auto…

Erie generally has a stronger reputation for claims than a lot of national carriers, especially in states like Ohio where they’ve been around for decades. Instead of funneling everything through a giant call center, they often work through local agents and repair shops, which can make the process f…

Rate lock doesn’t mean your bill is frozen forever. Erie’s Rate Lock is designed to keep your premium steady at renewal, even if you file a claim or if overall rates in Baltimore rise. That’s a big difference from most insurers, where you can see increases every year no matter how clean your record…

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they sh…

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know is if it would be possible to still get a police report and redo the claim. If they make you pay the higher deductible at the end of this, make sure they mark the claim "not-at…