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Why did Liberty Mutual raise my rate after a $25 towing claim?
Insurance companies, including Liberty Mutual, base their rates on the risk of paying any claim, so unfortunately, the information you were given is true. However, five years is usually the longest you should be impacted.The good news is that most companies do not charge that much for a towing clai…
Does a vehicle need car insurance if its in storage in New Jersey?
Every car that is registered needs to have insurance in New Jersey. Since you are not driving you can keep the state minimum liability on the vehicle. Most of the penalties would be for driving without insurance but you can not have the car registered without insurance. Unfortunately, there really …
Why did my premium increase if there was no claims payout?
There are many different reasons that your insurance rates can increase. Sometimes there is even more than one reason the rates go up. Having a not-at-fault accident can impact your rates. However, it would not impact your rates as much as it would if it was an at-fault accident. The not-at-fault a…
Claims that would be covered under a HO3 and not covered HO2?
One example of an HO2 claim that would not be covered under an HO-2 would be any water damage relating to water backup, foundation, or slow leaks. As you mentioned, the HO-2 is a named peril policy. The HO-2 covers 16 perils which are: fire, lightning, wind, hail, explosion, riot/civil commotion, a…
Should I file a claim after hitting a deer with an old vehicle?
It really depends. In Arizona, a totaled vehicle is determined via a total loss formula. Meaning, your car insurance company (through their adjuster) will determine the total cost of repairs and the scrap value of the vehicle. If this value is greater than or equal to the actual cash value of your …
Parked car insurance so I can get tags for my vehicle
There's a couple of things to think about here. First, there isn't really anything for parked car insurance. What you may be thinking about is storage insurance. This coverage isn't provided by every company and usually only available if you have another vehicle insurance for at least your state's …
Is it possible to get loss assessment coverage on a HO-3 policy?
Yes, you can add loss assessment coverage to your HO-3 policy. Not all companies will offer this type of coverage so you will need to contact several companies to get the best quote for this coverage with your HO-3policy. Keep in mins, adding loss assessment coverage can be pricey so you will reall…
Can my father insure my car if I'm financing it?
In most cases, you can insure your car on your father's policy but you will have to be listed as a driver on the policy. If you will not be driving the car you will need to listed as an additional interest on the policy for your vehicle. The person driving the car will need to be listed as a drive…
How can I get a not at fault accident charged off my driving record?
If your insurance company has to pay out on a claim, it will impact your rates. If you have uninsured motorist coverage, the accident will only stay on your record for 3 years and will not impact your rates as much as if you don't. If you don't have uninsured coverage, but do have collisioncoverage…
How can my insurance company check for a lien if I'm in another state?
Your insurance company would not verify a lien. The insurance company would need to add a lienholder to the policy. A lienholder is a person/company that has a financial interest in the car. They would be paid out first if the car was totaled. You would need to contact the finance company to verify…
