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My camper stays at a seasonal campground year-round. What type of insurance do I need?
Thanks for reaching out! Insurance can be extremely confusing, especially when you get thrown a bunch of insurance jargon in a contract and you have no idea what any of it means. Luckily, I'm a licensed insurance agent with over 10 years of experience, and it's my job to explain coverage to custome…
Will my insurance company drop me for not changing my address when I moved?
Insurance regulations are very state-specific which is why when you move to a different state you are required to get a new policy. Therefore, it will be up to your current insurance company to decide whether or not they will pay out on the claim. Unfortunately, if they do not you will be responsib…
Is it considered an at-fault accident if I hit a tree?
This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision. Sadly, this can sometimes mean hitting the animal. If you hit the animal it would be considered a comprehensive clai…
How many cars can I have on my progressive policy?
Hey, thanks for reaching out. Progressive may let you put multiple cars on one policy, but the exact number can vary based on your state, household, and policy details.If there is a limit, it usually comes down to the insurer’s underwriting rules. That just means the company looks at how many vehic…
I started a claim but canceled it with no payout. Why is it on my CLUE report?
A canceled claim can still appear on your CLUE reportUnfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if the…
How do I prove I am staying in the same address I reported to my car insurance company?
It depends on the insurance company, but most will accept proof in the form of a utility bill or something similar to prove where you live. I recommend calling your insurance company to find out what documentation they will require to prove your residency and reinstate your policy. Good luck and if…
If a mechanic started my car on fire and caused damage, should I alert my insurance company?
I'm sorry to hear about your accident.There are a couple of things to think about here. First, you'll more than likely have to alert your insurance company. Any time there is damage to your vehicle, they will usually require you to report it. In this case, your insurance company can be helpful cons…
Do I still have to pay a deductible for a hit and run incident?
In the case of a hit-and-run, if you filed a police report and have uninsured motorist coverage, this could be used to cover the damages. This is additional coverage that must already be on your policy. It could also be covered by the collision portion of your insurance, but keep in mind your premi…
I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?
I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as). You would save more money in t…
Am I still covered for liability coverage if I drive my car in a parade?
Yes, you should be covered for liability while driving in a parade. Many people who drive in parades tend to have classic or modified vehicles which often require different types of insurance coverage, but under your circumstances I don't think that would be required. Still, you may want to check w…
