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Will insurance cover a leak in my car's sunroof?
Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim. If the leak was caused by wear-and-tear, your insurance will not cover it.While your first compr…
Can an insurance company recant liability and ask for a refund one month after paying me for damages to my vehicle?
I have not heard of a claim decision being reversed and asking for the claims payout money back. They should be providing you with evidence of why they are refusing to pay the claim — if you haven't asked for this already, you should demand it. I strongly advise getting help from someone who is an …
Does it cost more to insure a turbo engine vehicle than a non-engine car?
Most insurance companies will charge more for a turbo engine if the VIN identifies it as such — since it has more power and speed, the risk of a claim is going to increase. The same goes for luxury or modified vehicles. Some companies may even refuse to quote it depending on the make and model. If …
Can a dismissed ticket affect my insurance?
A dismissed ticket generally won’t affect your insurance ratesThe only scenario in which a dropped or dismissed ticket would still affect you would be if there was an accident involved. If the ticket was dropped but your insurance company paid out to any party for a claim, the accident would still …
Is it legal to change homeowners insurance policies without the approval of all parties on the deed?
As long as you're on the deed, you generally do not need permission from all parties to make changes to your homeowners insurance policy. Each person listed on a deed has what's called an "insurable interest" in the property, meaning they have a legal and financial stake in it and can insure it ind…
Can I still get insurance if I just found out that my car has structural damage?
Sorry to hear about your accident and the resulting damages. This is a tricky situation. If the car was fixed and deemed safe by your car insurance company, I'm not exactly sure how Carfax is finding it to be considered otherwise. My advice would be to contact your insurance company.If the car does…
If you get a speeding ticket in Tennessee going 67 in a 45 and you opt to pay the ticket, will it show up in North Carolina?
Every state shares all info when it comes to driving records. The speeding ticket will show up on your license when insurance companies run your MVR — which is used as a reference in all 50 states. See our guide to get an idea of how much that speeding ticket will affect your premium.If you have an…
What does "walls out" coverage mean in an HOA policy?
Walls-out HOA coverage protects the building exterior, not your interiorI believe they are saying that since the damage is to the interior of the condo, then it is the unit owner's responsibility to get any damages covered — whether they need to pay out of pocket or use their own condo insurance. T…
What happens if someone makes a false car insurance claim against me?
Thank you for your question. After an accident, I recommend taking pictures and recording as much information as possible. If the fault is difficult to determine, call 911 and file a police report. If you have any of this information currently, it can be helpful.At this point, I recommend contactin…
Are insurance proceeds taxable?
Thanks for your question! In general, insurance proceeds, or money you receive as part of a claim or settlement, are not taxed. This is because insurance payouts are not actually making you money, but bringing you back to your previous status. The IRS only taxes income, while these proceeds are jus…
