All Questions

ADOT stands for Arizona Department of Transportation, and the ADOT code identifies your insurance company to the state proving that you have the minimum amount of liability coverage. If you're curious you can read more about auto insurance requirements in Arizona.Your ADOT code should be listed on …

I would not recommend speaking with your insurance company unless the other driver refuses to pay for the damages. Because you have the police report and hopefully the other driver's insurance information, you should call their insurance company and begin the claims process. If you do not have thei…

If your vehicle registration isn't up for renewal soon, you might be able to put the vehicle into "storage protection." What this means is the vehicle is not legally allowed on the road, but will still maintain comprehensive coverage in order to protect the vehicle from theft and weather damage. Th…

Basically, this is just another way to describe rental reimbursement coverage (which is part of rental car insurance coverage). What that means is if your vehicle becomes temporarily disabled from an incident that's covered by your policy, this coverage would reimburse you for the transportation ex…

Great question! While it can vary by carrier, most car insurance companies will charge (i.e. increase your premium) for any ticket or violation within the past 3 years. You typically won't be charged for anything that happened beyond three years ago, however, insurance companies will still pull fiv…

USAA eligibility flows to spouses and children, not parents or in-lawsIt is my understanding that USAA eligibility flows "downstream" – which means you need to be a child or spouse of an established member to get a USAA policy. Therefore parents, or in your case in-laws, of USAA members are likely …

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…