All Questions

In this situation, since you backed into someone else's vehicle and are at fault, this would go through your liability coverage, not your collision coverage (which would cover your own car). Liability pays for damage you cause to another person's property.Here's the key thing to understand: your li…

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…

I'm sorry to hear your car was totaled. This is what I would recommend.File a police report. Although I do not have all the details, it sounds like this was a hit-and-run situation. A police report will be important for step 3.Check your policy to see what coverage your mother has.If you have unins…

He should be covered to drive your car as long as you have permissive use coverage. This means that someone can drive your car that does not live with you, as long as they have permission and it is not a regular occurrence. Since your brother in law does not live with you, your insurance should cov…

Your car insurance would not cover the damage to the garage, only the damage to your vehicle if you have collision coverage. As for your second coverage, I would recommend paying for the damage out of pocket. Making a claim on your homeowner's insurance will increase your rates, most likely more th…

Hitting road debris is usually a collision claimThis accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim. What you should…