All Questions

Insure the car at its primary garaging addressThanks for reaching out to The Zebra!I understand that you want to keep the car's warranties, but it's also important to keep the vehicle insured correctly (and insurance is mandatory in 49 out of 50 states). The short answer to your question is that yo…

This can be a tricky situation. Usually, someone will try to avoid insurance companies for two reasons: they either don't have any insurance or they want to avoid their rates going up. If the damage is small, this is generally encouraged. You can simply go to a mechanic you trust and get the estima…

While it is not illegal to pay for someone else's policy, you might run into issues if she's on your policy as well. Car insurance is regulated at the state level and priced at the zip code level. So, if she's on your car insurance policy but not living at your residence, you will probably run into…

I'm sorry you had this happen, I can imagine how frustrating the situation is! The short answer for what happens next is that it depends. Usually, the moving vehicle is found at fault for damage to a stationary vehicle, as you're required to be in control of your vehicle at all times. However, the …

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure. The tricky thing has to do with the value of the assets. If your musical eq…

Each policy is going to have different guidelines as to what they will and will not cover. You will definitely want to check with your specific company to find out if your policy will cover the damages. With that being said, typically, your insurance would only cover damage that you caused to other…

Furthermore, even if you aren't at fault in a crash, your insurance company can still be liable for your injuries or damage to your vehicle through your uninsured motorist coverage. This coverage is designed to cover you in the event the at-fault driver does not have any coverage or enough cover to…

Unfortunately, the owner of the vehicle that was stolen isn't liable because the fact they didn't give permission to the driver negates any coverage. The individual who stole the vehicle and caused the damage is responsible. I would contact the owner of the vehicle to get the police report informat…

The tricky aspect about this has to do with the loan and registration. Because the vehicle has a loan in your name, you will most likely be violating your loan contract by not having the insurance policy written for you. Moreover, because the vehicle is registered to you but not insured by you, you…

In my experience, it's always the rule that car insurance follows the vehicle, not the driver. So, although the person who hit your daughter wasn't the owner of the vehicle, their car insurance would still apply in this situation. Meaning, your daughter would be contacting their insurance company t…