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What is the difference between liability vs uninsured motorist vs comprehensive coverage?
Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance. There is no such thing as "full coverage" but people normally use that term to describe comprehe…
Do I need storage coverage for my vehicle if it isn't running?
In Minnesota, if the vehicle is inoperable then you don't have to carry insurance. Storage insurance would provide physical damage coverage so your vehicle is protected while it is being stored, but it does not provide coverage to drive on the road which wouldn't make you legally compliant anyway. …
If I hit an object in the road, can I claim this under my comprehensive coverage?
Hitting an object in the road is usually a collision claim, not comprehensiveInsurance companies consider hitting an object in the road to be an accident. Unfortunately, that means you will need to use your collision coverage, the incident will be considered your fault, and you'll likely see an inc…
If my car was hit by a family member, can I claim the damage with my insurance company to help them avoid a higher rate?
You could claim the damage as a hit-and-run, but that's technically not what happened so I would avoid lying to your insurance company. I would recommend getting a repair estimate first so you can factor that into your decision. The only way to avoid causing an increase to your family member's poli…
If I backed into my neighbor's expensive vehicle, should I file a claim or pay for the damage out of pocket?
I would recommend waiting to hear back from your neighbor about the estimates. That's really going to be what helps you make your decision. If the repair costs are reasonable, you might consider paying for the damage out of your own pocket. Our 2016 State of Insurance Report shows that, in Florida,…
Is car insurance mandatory in New Jersey if a person no longer uses their car to drive?
New Jersey doesn’t require insurance on a car you no longer drive, but you must return the platesIn New Jersey, you aren't required to maintain insurance coverage on a vehicle you are no longer driving, but the tags for your vehicle will need to be returned to the state. We recommend contacting you…
How many cars can I list on my State Farm policy?
Most insurers cap policies at four vehicles, requiring a second policy for moreMost insurers, including State Farm, cap a single policy at 4 drivers and 4 vehicles. But if your household includes more—like a few teen drivers and multiple cars—don’t worry. It’s common, and there’s a simple solution.…
Is there a way to get car insurance quotes without having a car first?
You don't have to physically own or possess a vehicle to get a car insurance quote, but you will at least need a year, make, and model of a vehicle you're interested in purchasing to get a quote.The great thing about The Zebra is that it's easy to compare quotes for any vehicle you may be intereste…
Can another driver file a claim on my insurance if they were hit by someone else driving my vehicle?
Since insurance coverage follows your vehicle then your policy would pay primary for damage caused by your car even if someone else was driving. That being said, it is possible that through the details of the accident the other driver could very well be considered at fault, in which case, the other…
What is a reinsurance facility?
Sure! In North Carolina, the reinsurance facility is basically a non-profit organization that allows insurance companies to pool the risk of high-risk drivers to keep rates low for consumers and create less risk for insurance companies themselves. Since car insurance rates in North Carolina are cap…
