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How long do I have in Illinois to add a new vehicle to my current insurance policy?
Typically, you have up to 14 days to add a new vehicle to your policy. Every company is different so always check with your specific insurance company for their guidelines. However, if you do not add the car to your current insurance and happen to get into an accident before your new policy starts,…
What's the difference between HO-2, HO-3, HO-4, HO-5 and HO-6 policies?
HO-1 through HO-6 policies differ in covered perils, property types, and protection levelsGood question! These numbers correspond to either home, renters, or condo insurance. Here is a simple breakdown:HO-1: Basic form — this only covers you from 10 named perils. "Named-peril" means that your home …
Can someone else register and insure a vehicle I finance?
Regardless of where you live, if you are financing a vehicle you need to have it registered in your name. You can put the car insurance in someone else's name but insuring a vehicle you don't own can be challenging and you would still need to be listed on the policy. You will also need to list your…
Can I get an SR22 and non-owners with an IID?
An IID, or ignition interlock device, is usually only required if you own a vehicle. I would contact a lawyer because I (an insurance agent) cannot answer this for you. You might be able to get your IID requirement waived if you submit a declaration of non-ownership. This states you do not own a ve…
Will requesting roadside assistance impact premium increases in the future?
Unfortunately, using your roadside assistance is considered a claim since you are using coverage on your policy. Most insurance companies will allow you to use your roadside assistance three times. This may be why your insurance rates will go up after the third claim. Since having roadside through …
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…
What insurance do I need for driving for DoorDash?
You will actually need to get commercial insurance as a delivery driver. This type of policy is specifically designed for vehicles tied to a business or otherwise used for business purposes.If you were going to drive for a rideshare company like Uber or Lyft, you could simply get a personal auto po…
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 …
