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Do I have to file a claim with my renters insurance company if my apartment was flooded by an upstairs neighbor?
For the purpose of getting your belongings replaced as quickly as possible, I would definitely recommend contacting your renters insurance provider immediately. While your neighbor will likely be considered liable for the water leak, your insurance company should be able to act quickly to replace y…
Who insures a teenage driver after a divorce?
Generally speaking, in a divorce the parent with primary custody should insure the child on their policy. The tricky part would be if your son will be driving your vehicle while at your home and then his father's vehicle when he stays with him. In that instance, it would be best for you and your ex…
Does homeowners insurance cover damage to interior walls?
It's very likely that your insurance company would cover the damage, however, it may not be worth your deductible or the hit to your insurance history to file a claim if you can afford to pay for the repair yourself. I would recommend getting a repair estimate before contacting your insurance compa…
Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?
This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill. Long story short, they only have to repay the portion of your premium that extends past the cancellation date; i.e. y…
What coverage do I need if a deer runs into my car?
Animals cause all sorts of damage to vehicles, and not always because someone hits them with their car. Luckily, car insurance companies don't discriminate over you hitting a deer or a deer hitting your car, so in cases of damage caused by animals – with the exception of hitting a dead animal in th…
Whose insurance is liable if my car was broken into at a tow yard?
If your personal items were stolen then you'd have to claim that on your home or renters insurance policy. If you're trying to hold the tow company liable for the loss of your items, you may have to hire an attorney. I would recommend contacting your auto company first and then your renters or home…
Do I have to pay a deductible if I hit someone but my vehicle is not damaged?
In a case where you are considered at-fault in an accident, in Virginia, your deductible should only apply if your vehicle was damaged and you want it repaired by your insurance company. The only other time you should be subject to a deductible in Virginia would be if you are filing an uninsured mo…
What do I do if someone hits me and provides false insurance information?
Your best bet would be to contact your insurance company for assistance. If you had collision coverage on your policy at the time of the accident then your company should cover your damage anyway. Either your insurance company eats the cost of the claim, minus your deductible, or they will subrogat…
In the state of MA, can I suspend my car insurance for a few months?
While the state does not actively monitor drivers' compliance with insurance laws, Massachusetts does require that vehicles be insured while driving on the road. Compliance monitoring is done through traffic stops, after accidents, and at the time of registering or renewing the registration on a ve…
Should I file a claim for damage that I caused to someone's bumper?
I would recommend having the other driver get an estimate first. This way, you can decide if the repair costs are affordable enough to pay for the damage yourself. If the repair costs are not feasible for you to pay on your own then you would need to file a claim with your insurance company. And wh…
