All Questions

Whether a collapsing ceiling is covered by homeowners insurance really comes down to one thing: the cause of the collapse. And when the cause is unknown, that determination can go either way.Homeowners insurance is designed to cover sudden and accidental losses from a specific, identifiable cause. …

The zip code where the vehicle is primarily kept is what needs to be used for insurance purposes. Depending on your age, company, and residential state, you may have been able to stay on your parent's policy, but since you now live off-campus you will have to use the address where you live. Using a…

Filing the claim on your policy means you are going to have to pay your collision deductible and could possibly impact your rate. Personally, I would not agree to do that. The majority of rear-end collisions are considered to be the fault of the driver in the back, so it should not take them any lo…

It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history. A MVR is from the DMV and shows incidents where a police officer issued a ticket or wrote an accident report. A CLUE report shows claims filed with previous insurance…

You can’t remove a household driver without separate coverageGenerally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that mean…

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured. If you took the…

In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies. Your best bet is to contac…

Here is a simple breakdown of the process to transfer ownership of the vehicle to your son as a gift in Texas:You (the giver) and your son (the recipient) will both need to fill out and sign the "Assignment of Title" section on the vehicle's title.You will both need to fill out and sign the 130-U f…

Most, if not all, insurance companies require that any household members of driving age be listed on your policy. In most states, however, you have the option to exclude household members so they don't impact your rate and are not insured under your policy. In the event that an excluded driver is i…

Alabama requires that registered vehicles must also be insured. If your registration tags expire and you want to renew them then you must have active auto insurance before the new tags will be issued. If you let the tags expire and you are no longer planning on driving the vehicle then you would no…