All Questions

Unfortunately, if you did not have collisioncoverage on the vehicle at the time of the accident, your damages will not be covered. Insurance cannot be backdated. Liabilitycoverage will only cover the damages you cause to others. You will be responsible for the loan. I would contact the finance comp…

There are a couple of things to think about. With the value of damage and your deductible, the most you would save by filing a claim is 2k. However, most companies will increase your rate after you file a claim. For California in 2018, rates increased an average of $660 per year after an accident. …

The answer depends on your insurance coverage. If you do not have insurance you will likely be responsible for the cost of the vehicle. If you do have comprehensive or collision coverage, check with your insurance company. The company may cover the damages.An insurance company may extend your colli…

You need to report to the insurance company, that the car was recovered right away. The insurance should cover you for any damage that was caused, like having the keys stolen. Either way, you need to notify your insurance company right away. Not reporting that the car was recovered, and accepting t…

Unfortunately, renters insurance only covers your personal property and personal liability - not the property itself or displacement due to an issue with the dwelling. Since it is an issue with the dwelling, your landlord should have coverage for this type of issue on their policy. I would check wi…

To get the most accurate answer, you'll need to contact State Farm directly, but generally, most insurance companies will allow up to four cars on a policy. However, keep in mind that some companies have rules about how many cars you can list per number of drivers. For instance, if you only have on…

If you hit a raccoon, that would be considered a comprehensive claim. Your deductible would apply. You need to get an estimate for the cost to repair the damage. Once you have that you can decide if it is worth filing a claim considering your deductible. You also want to consider your claims histor…

This isn't fun, but at least they were honest and left their information! Start by documenting everything about the incident. Take photos of the damage, the note, your vehicle’s position and anything else that helps show what happened. It is also a good idea to jot down the time, date and location …

You can exclude your husband from the policy if he is not driving the car. This means he would not be covered to drive but his driving history and status would not impact your rates. Sometimes there is an additional fee for having an excluded driver but that will vary by company. We can quote you a…

The short answer is yes, your sister can insure your car, but she will need to make sure you are listed as a driver as well as an additional interest. An additional interest is someone who has a financial stake in the car, and since you own the car you are financially invested in it. If you need, T…