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Can I sell my used car to someone with no insurance?
He can purchase the vehicle from you without insurance, but technically the car has to be insured before can legally drive it on public roads. If not, he could be ticketed for driving uninsured. Once ownership changes hands via the title of the vehicle then you can't be held responsible for anythin…
How does my insurance company handle a claim if I hit a car that was already damaged?
After any sort of collision, it's always recommended that you take pictures at the scene. Pictures should be taken of both vehicles, the location of the crash, and the other driver's info and license plate. When your insurance company investigates the crash and assesses the damage on the car that y…
If I cancel a policy less than 24 hours after starting it, will I get a refund?
The state of Florida requires that insurance companies refund at least 90% of the unearned premium paid by a customer if they receive a request to cancel. There are instances where a company may include the policy's fees within the first month so your refund can vary depending on which company you'…
In a state of emergency, does my insurance company have to help me if I have flood damage but no flood insurance?
If your home and basement were damaged by water that wasn't attributed to an actual flood then you will likely be covered by your company. Unfortunately, the declaration of a State of Emergency doesn't mean that your policy applies any differently; especially since flood insurance is provided by FE…
Does the name on my insurance policy need to match the name on my mortgage loan and deed?
Generally speaking, that shouldn't be an issue for your homeowners insurance company. For the sake of avoiding any sort of confusion down the road, however, it may be beneficial to update your existing accounts with your mortgage provider. In the event of a claim payout there could be a delay becau…
Should I file a claim if I damaged my car backing out of the driveway but I only have liability?
If you only have liability coverage then you won't be able to file a damage claim. Your policy would need to include collision coverage at the time of the incident for you to be able to get it repaired through your insurance provider. Unfortunately, you aren't able to add any additional coverage af…
If I use my parents' house as my permanent address but live in an apartment, can I get renters insurance?
You would need to use the address of the apartment you are planning on renting. In the event of a claim, let's say a fire, your renters insurance provider will notice that the address listed on your claim doesn't match your policy paperwork. It's important to use the address where you are actually …
What happens if you hit a rental car?
Good question! The claims process after hitting a rental vehicle would be the same as hitting a vehicle that is owned by another person, so you should still contact your auto insurance provider and notify them of the accident. Make sure you provide pictures of the accident and any other details or …
If I still live at home with my parents, do I need renters insurance?
Technically your personal items and liability would be covered under your parents' homeowners insurance policy while you live under their roof. However, if you had to file a claim you would be doing so under their policy. This could have negative consequences for your parents since almost any claim…
What can I do if someone hit my car and left a note but they won't answer or return my calls?
Your best bet would be to contact your insurance provider. They may even recommend that you contact the police to file a report about the incident. Your insurance provider should cover your damage, assuming you have uninsured motorist or collision coverage, and will then subrogate (negotiate to be …
