All Questions

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…

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…

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 …

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…

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…

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 …