All Questions

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage. The damage caused by the rat would fall under your comprehensive coverage so you will just have to pay your deductible. You wo…

If you're planning on selling the vehicle and have no intention of filing a claim for the damage, you don't need to tell your insurance company about the incident. You can just remove it from your policy. In terms of the DUI ticket, you're not technically required to tell your insurance company. If…

It is unlikely that the other driving contacting the police days after the accident will result in any citation. Unless they were called to the scene, they probably won't even be able to write an accident report. In the majority of rear-end crashes, the driver in the back is normally considered at-…

Unfortunately, you would be filing a collision claim which would be categorized by your insurer as an at-fault accident. This will likely cause your rate to increase. And since you have damage to two different areas of your vehicle that came from separate incidents, your insurance company will requ…

Unfortunately agreeing to pay for damage out of pocket without involving your insurance company can lead to issues like this. He does not have to agree with your offer and can attempt to get you to pay more than the actual cost of the repair. In all actuality, filing a claim for something this mino…

It's very likely that you will be covered, assuming that your homeowners insurance policy is active and in good standing. Learn more about fallen tree damage and home insurance. Each insurance company has different stipulations depending on whether you have a named-peril or open-peril insurance po…

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…