All Questions

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…

You shouldn't have a problem doing that. Since the boat is still registered in your father-in-law's name, you might need to have him listed as an "additional interest" in the policy documentation. What this would mean, if the boat was damaged and you were to receive a payout, your father-in-law wou…

I recommend you contact your insurance company and give them all the information regarding the accident. This includes photos of the damage to your vehicle, the highway name, time, the license plate of the at-fault driver, and a vehicle description. Providing as much information as possible will ne…

Sorry to hear about your accident.  You should still be covered since it sounds like you didn't miss your payment. Sometimes, if you completely change your due date, you can miss a billing cycle. In terms of your accident, you should still be covered. Due dates are notices of bills to be paid. As l…