All Questions

You should update your renters policy before moving inFor the purpose of complying with your new apartment's landlord, it's best to change the address on your policy before you move in. This will satisfy the insurance requirement for your new place. That does not me that your old apartment is compl…

A totaled vehicle is one where the cost of repairs is more than the value of the vehicle itself. If the vehicle is truly totaled, you can do what you'd like with it. There shouldn't be any legal issue with selling the vehicle if choose to do so. However, you will need to obtain a salvage title for …

It's possible that going through the rental company for the repair will help you avoid a rate increase, but there is no guarantee that they won't notify your insurance provider. I would recommend looking into paying for the repairs yourself, but if the damage is extensive enough where you can't aff…

Technically, if you have the vehicle registered then it's supposed to be insured, regardless of whether or not it's being driven. If you want to remove insurance from a vehicle you're supposed to return the registration tags to your local registration office. If you wanted to begin driving the vehi…

Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible.…

You may still need insurance after a totaled vehicle to avoid a coverage lapseThanks for reaching out to the Zebra!The decision to maintain your auto insurance coverage depends on whether or not you plan to buy a new vehicle shortly. If you cancel your policy and buy another vehicle within the next…

If you are married then there shouldn't be any issue with you insuring the vehicle. If the registration is also in her name then she will need to be listed on the policy. In fact, a married couple generally qualifies for lower rates than people listed on separate policies so it would make the most …

If you have collision coverage on both policies then it is likely that the damage will be covered. However, since you two are married your liability will not cover the damage to your husband's motorcycle since you are not unrelated third parties. This basically means that you will probably have to …

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year in 2016. Since the accident will impact her rate for 3 years, that's quite a bit more than the cost of the repair. I would recommend paying for the other driver's damage out of pocket …

You will need to report the vehicle stolen before you are able to file a claim with your insurance provider. From there, your insurance company should handle the remainder of the claim if you have comprehensive coverage. If the vehicle is recovered then your insurance company would repair any damag…