All Questions

First off, a police report is not always necessary to file a claim, especially for incidents that only involve one vehicle.As for your second question, should you file a claim, the choice will ultimately be up to you. However, I recommend following the advice below before deciding to file a claim:G…

There are several things to think about here. One, it sounds like your vehicle is totaled. The definition of a totaled vehicle varies by state. California is what is called a total loss formula state. This means a vehicle is determined to be a total loss if the cost of repairs (your $7,000) plus th…

This can really depend on a number of things. Fault can only be determined by a claims adjuster who has reviewed the accident and any corresponding documentation. If you are at fault in the accident, your insurance will only pay for the damages you caused to the other car in the accident. The owner…

If a company policy covers the accident, you don’t need to notify your personal insurerSince the damage is being covered by the company's commercial or business policy then he doesn't have to notify his personal car insurance provider. However, the car accident is still likely to show up on his dri…

The answer to your question will depend completely on the specifics of how the damage occurred. The gas station will pay for the damage if: If your vehicle was not moving and the brushes or moving parts of the car wash damaged your vehicle then the liability would be on the owner of the wash. …

The short answer is no for two big reasons. One; that's not how insurance works. Two; financed vehicles must be insured at all times. Let's explore more. You can not temporarily cancel an insurance policy - it simply doesn't work that way. It's either active or inactive. Now, having continuous insu…

Thanks for reaching out to The Zebra about this.There are a couple of things to think about in your specific situation, and your solution will depend on how you want to handle this. Here are three scenarios to consider:If your car is registered you will need to have insurance on it, even if you are…

Florida currently requires homeowners insurance policies and by extension insurance companies to offer coverage for what they call “Catastrophic Ground Collapse,” which may not actually cover damage caused by a sinkhole. Catastrophic Ground Collapse coverage differs from sinkhole insurance by requi…

Start by reporting the accident to your own insurance company as soon as possible, even if the damage looked minor and you did not call the police at the scene. Give them the photos, the other driver’s contact information, and the insurance card they provided. Your insurer can help verify whether t…

This can be tricky. Since he doesn't live in your residence full-time, he no longer needs to be listed on the policy. But, his ability to use your car will depend on the specific conditions of your car insurance policy. Namely, do you have what's called permissive user. Permissive use or user refer…