All Questions

You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you. This is essentially a liability-only policy when you do not own a vehicle, or are between vehicle owners…

Adult sons must be listed if they live with you or have access to the carPut simply, if your son is on your insurance policy, you can be held liable for the damages he causes. You can put him on his own policy, but the rates will very likely be higher. However, you would not be liable for damages h…

In this instance, you will likely be held liable for the accident. Although you want to use your best judgment when it comes to avoiding an animal, in most cases, if an accident/collision occurs by you trying to avoid hitting an animal, you are responsible for the damages. The way that most insuran…

Unfortunately, auto insurance companies list almost all single-vehicle accidents as at-fault on your claims report, meaning that this situation would likely be considered an at-fault collision accident. This is because there is no other party at-fault and this can be seen as a failure to maintain c…

Sorry to hear about your recent troubles. Unfortunately, to dispute a homeowners claim such as this, the best way forward is to seek legal advice. Furthermore, you will need to contact LexisNexis, the company that provides the CLUE report (also known as your claims history report). This will help y…

A non-owner policy is likely the right fit for your situation, and yes, you can get one as a foreign driver. A non-owner policy provides liability coverage when you drive a car you don’t own. To qualify, you generally can’t own a vehicle or have regular access to one. Since you don’t own a car, you…

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6. If you own the outside structure, you may need a regular homeowners p…

You only pay a deductible for collision or comprehensive claims, not liability coverageIf you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle. Liability coverage does not have a deductible, …

Yes, you can have two separate policies. This can have its benefits in some cases. However, you will still need to be listed on each other's policies as household members/spouses but you can be excluded. Being excluded means you would not be covered under the policy at all. With that being said, it…

In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors. State Farm and GEICO have different loss histories and net profits, and therefore will have different quotes (with no reason or incentive to match…