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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 …
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…
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…
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…
Will a hit and run impact my car insurance premium in CA?
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…
Will my State Farm car insurance cover damage to a person's balcony?
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…
Does State Farm require you have a police report to file a claim?
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…
Should I register my vehicle in the state I attend college in?
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…
