Ask An Agent
All Questions
Compare auto insurance rates and save up to $670 per year!
If I accidentally drove my car through a neighbor's fence, will my insurance company pay for the damage?
The liability portion of your policy is intended to pay for damage that you cause to another vehicle or property. This should include fixed objects like street signs, fire hydrants, and in your case, a fence. The process to file a claim is pretty simple. Just contact your insurance company and let …
Is my deck covered by my homeowners policy?
Since the deck you recently had built is attached to your home, the structure should be covered under the "dwelling" portion of your homeowners insurance. If the deck were not attached to your home then it would be covered under the other structures portion of your policy. It's important to note th…
If I am buying car insurance and already have motorcycle insurance, will I be eligible for a prior insurance discount?
With the majority of companies, a prior insurance discount for auto coverage is based on being previously insured under an auto policy. Unfortunately, most companies won't consider an existing motorcycle policy to be sufficient to qualify for a continuous insurance discount. It may be possible that…
If I'm in between apartments, when do I need to change the address on my renters insurance?
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…
Can I sell my vehicle if it is totaled?
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 …
If I scratched a rental car, can I pay for the paint repair out of pocket?
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…
In the State of Minnesota, does a registered vehicle have to have insurance if it is not being driven?
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…
Will I be able to get a new car after an accident?
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.…
If my vehicle was totaled in an accident, do I still need to pay my insurance bill?
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…
Can I insure my wife's car if the title is in her name?
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 …
