All Questions

Unfortunately, you don't have a lot of options here unless you had specifically asked for collision and comprehensive coverage and your insurance representative never applied it or charged you for it. Collision and comprehensive is the coverage that offers physical protection for your vehicle where…

Thanks for reaching out to The Zebra! There are a couple of things to think about here.First, your parent's insurance won't be affected until the next renewal. That's usually when your insurance company will pull your Motor Vehicle Report (MVR) which will show your ticket.Second, your parents can d…

I'm sorry to hear about the hit-and-run! That is a very frustrating situation. Uninsured motorist property damage coverage usually comes with a deductible, much like your collision coverage would. However, unlike collision coverage, an uninsured motorist property damage claim won't raise your premi…

Whether Progressive covers the damage depends on whether you live with your mom. Insurance companies typically require anyone of driving age living in the household to be listed on a policy. This is because sharing vehicles within the same household is common, and insurers want a clear understandin…

Your premium can change when you update your addressInsurance is zip code specific, so moving from one zip code to another can cause your premium to change. Especially if you move into a more crowded urban area (like a downtown area) because there are new factors of risk your insurance company has …

Thanks for reaching out to The Zebra!This is a fairly common question, as USAA is well-known for its customer service and often lower-than-average insurance rates. The downside is that USAA requires its members to be active, retired, or honorably separated officers of the U.S. military. Suppose you…

Yes — if you’ve added Emergency Roadside Service (ERS) to your GEICO auto policy, lockout assistance is included. That means if you accidentally lock your keys inside your vehicle, GEICO can dispatch someone to help you get back in. However, it’s important to understand how the benefit works so you…

Although you technically do not have insurance, the other driver is still at-fault for the damages and thus has a legal obligation to pay for the damages caused. You might be ticketed for driving without insurance but that shouldn't impact your parent's ability to have the other driver pay for the …

Thank you for reaching out to The Zebra!First of all, your insurance policy and your driver's license (as well as your vehicle registration) should use the same address. Depending on which insurance company you have, that will determine how quickly you should get this taken care of, but generally i…

Although their driveway was what caused the damage, it is the driver's responsibility to navigate slowly over bumps to avoid damage. So, in this case, the owner of the driveway wouldn't be considered at fault or responsible for the damages. What I do recommend, however, is getting an estimate for t…