All Questions

Yes, when your company has to pay out on a claim, it will impact your rates. If you file a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident. Not-at-fault accidents will stay on your record for u…

This one’s a little tricky. In most cases, your State Farm auto policy won’t cover a rented moving truck, because personal car insurance typically excludes larger vehicles like U-Hauls. That means your liability coverage with State Farm probably wouldn’t apply to the balcony damage.The good news is…

You'll want to check with State Farm to make sure, but you shouldn't have to file a police report to make a claim. This is the case for most insurers, not just State Farm. It depends on the situation, though. Since only your son's car was damaged, things are slightly simpler than if other drivers w…

It depends. Obviously, you want to get the insurance in the state that the car is registered in. If the college student is not listed on their parent's policy, you would need to register the car in the state that you live in for most of the year. If they are listed on their parent's policy, they ca…

This can depend. In California, a car is deemed totaled if the cost of repairs plus the scrap value of the vehicle is greater or equal to the actual cash value of the vehicle. Meaning, if your insurance company agrees with the Kelley Blue Book value, it is likely your vehicle will be totaled. If yo…

If AAA reported something in error on your driving report, here’s a step-by-step breakdown of how to dispute it. First, pinpoint the issue. If it relates to a claim or roadside incident handled by AAA, gather any documents or communications you received from them.Reach out to AAA’s customer service…

There are a few things to consider. First, whether you file a claim or not, most insurance companies require you to report every accident. Check with your company for specific on reporting accidents. Second, if you do file a claim it will be paid under the collision coverage since both cars involve…

In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle. Your insurance company is no longer responsible if the claim was caused by an excluded driver. The good news is, in most situations when a driver is rear-e…

When there is an animal-involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car. This doesn't mean that they have to pay for the removal of the rodent. That is something that the insur…

Great question! You are correct that you will need a separate policy from your mom since you don't live together. As far as insuring the vehicle under your name, you shouldn't have a problem doing so. Here is how to handle this:Have your mom listed as an insurable interest:What this means is becaus…