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In Michigan is there a grace period to get insurance on a vehicle when you buy it?
He would need to get insurance to before he drives the vehicle. There is no grace period in Michigan. If he already has insurance he would typically have 14 days to switch out the vehicle but he would need to check with his specific company. Good luck and if you have any questions, don't hesitate t…
If I'm the victim of a hit and run will my rate increase?
A hit-and-run can increase your rate even if you’re a victimThe accident will show up on your record. How it appears on your record depends on what coverage paid for your repairs. If you have uninsured motorist coverage (which covers a hit a run) and this coverage was used to pay for the damages, t…
Can I use my Mercury roadside assistance in my friend's car?
No — Mercury’s roadside assistance only applies to the vehicle listed on your policy. If you’re locked out of a friend’s car, their insurance or roadside provider would need to step in. If you want more flexible coverage that follows you no matter whose vehicle you’re in, you might consider program…
Does my insurance cover the damage to trailer even though I wasn't hauling it?
The claim should be covered by your insurance company as long as your policy includes permissive use. Permissive use means that claims will be covered if you give someone (who doesn't drive the vehicle regularly or lives with you) permission to drive the vehicle. Keep in mind, when a claim is paid …
Stated value vs replacement cost?
Stated value coverage is typically used for vehicles worth more than their Kelley Blue Book value, like classic, custom, or collectible cars. It's the amount your insurance company uses to calculate your premium, but it's not necessarily what they'll pay you if the vehicle is totaled. Most stated v…
Why was a hit and run listed as an at-fault accident on my insurance?
A hit-and-run can be considered at fault for a few different reasons. First, you must have uninsured motorist property damage coverage for the accident to be listed as not at fault. If your collision coverage pays for the damages, then it is listed as an at-fault accident. Lastly, if you have unins…
If I am leasing a car and die before the end of the lease term, can I buy insurance to cover that?
For this situation I'd actually recommend getting a life insurance policy if this is something you are concerned about. To my knowledge, there is no type of auto insurance coverage that would help with the death of a policyholder.In general, dealing with car insurance when a policyholder dies can b…
What happens if I stop paying for my SR22?
If you stop paying for the SR-22, the insurance company is then required to notify the state that the policy has been canceled. Typically, the state will suspend your license and you may have additional fines as well. Keep in mind that license suspensions show up on your motor vehicle report which …
Can I sue if a ceiling collapsed on me after repairs?
First off, I'm sorry to hear that happened and I hope your brother is okay.In that situation, you would want to seek legal advice given there are several variables at play. The fault might be shared by both the landlord and the repair company but an insurance adjuster would be the one to determine …
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information. If they are not wanting to provide coverage, you can seek legal advice to see if you have any other options. Good luck and if you have any questions…
