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If I backed into my husband's motorcycle, will we have to pay two deductibles?
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 …
If my daughter caused less than $1,000 in damage to another car, should we still file a claim or pay out of pocket?
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 …
Can I file a claim for a stolen car if my son gave his friend permission to drive my vehicle?
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…
What do I do if I don't have a car but am required to have an SR22 and an ignition interlock?
You should be able to purchase a non-owners insurance policy and have an SR22 attached to that policy to meet the state requirement. It would be impossible to install an interlock device if you don't have a vehicle so I would recommend contacting your probation officer or attorney to discuss your o…
Why do I have to pay a deductible if I was hit by an uninsured driver?
Unfortunately, recovering the cost of your deductible, if the other driver is uninsured, is up to you. I would definitely recommend asking to speak with a supervisor at your insurance company to see if you have any other options available, but you may have to pay the deductible simply to start the …
If my girlfriend is moving in with me, should we get separate renters insurance policies?
Here is a good article on sharing renters insurance with a roommate. In my personal opinion, sharing a policy with any person who isn't a spouse is not a good idea. The amount of coverage on the policy is split in half and any claim made by the other party will also be attached to your insurance re…
Is there an age limit for a good student discount?
There is no way to say for sure outside of asking your specific insurance company. Most insurance providers that offer good student discounts have stipulations that may make you ineligible due to your age or the fact that you aren't covered on your parent's policy. Your best would be to contact you…
Will my renters insurance pay for me to stay in a hotel if my house is damaged?
Renters insurance is extremely valuable since it is often inexpensive and provides lots of coverage when things go wrong. Specifically in your situation, your renters policy should include a "loss of use" provision that would cover temporary living expenses if you weren't able to live in your home …
Do car insurance companies price match?
Insurance companies use a complicated math equation, called an algorithm, to determine how they price their coverage. This means that each company prices their coverage differently since they don't share this information so rates will differ depending on your personal information. While your compan…
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is…
