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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…
Who pays for hit and run damage if there's no UMPD coverage in NY?
Uninsured Motorist Property Damage (UMPD) is not a coverage that is offered in New York. If your policy has collision coverage, you can now use that to repair any damages from a hit-and-run. Or if the situation calls for it, you can also take legal action against the at-fault party. For more inform…
If I have an open claim on a totaled car, how do I handle the insurance?
There's a couple of things to think about.
First, canceling the coverage on this vehicle will not cancel the claim. As long as the policy was active at the time of the accident (which it sounds like it was), you should be fine.
Second, if your car is totaled, you can cancel your insurance if you a…
Does the name on the title affect car insurance rates?
No, your rates should not change by putting the car in your son's name if he is already listed on the policy. Who the car is registered under does not impact the rate at all. You just need to make sure all drivers are listed on the policy. Good luck and if you have any other questions, don't hesita…
My insurance company has been insuring the wrong car for 3 years
If you have proof that the car was supposed to be changed three years ago, you should be able to get some kind of compensation. Ultimately, it is up to the insurance company on how they handle billing and policy disputes. You will need to contact your insurance company directly for your policy spec…
