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Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of …
Does car insurance cover trailers?
Great question! It would depend on the coverage on your policy, but the liability portion of your policy normally extends to cover injury or damage that was caused to someone else by your trailer. If your auto policy also includes comprehensive and collision (full) coverage then your trailer may al…
What is Underinsured Motorist Conversion coverage?
Underinsured Motorist coverage pays for injuries that you and your passengers may suffer in a crash where the other driver is at-fault and the other driver does not have enough liability coverage to pay for all the injuries caused in your vehicle. It's easiest to explain this as an example: You are…
Can I get car insurance without a home address?
Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address. If you are only living in a l…
What should I do if I can't afford car insurance but need my car to get to work and make ends meet?
Consider the golden rule here. If you are involved in an accident and the other person is at fault, wouldn't you expect them to pay for your damages? Drivers expect the same of you if you are going to be sharing the road. No one plans on being in an accident so when it happens it is usually a surpr…
Why does my dealership require my lienholder/bank be listed on my insurance to take my car home?
When you finance a vehicle it is owned by the bank or lender until you have paid the full balance of the loan. The bank or lender requires that they be listed on your insurance policy before you take possession of the vehicle so if the vehicle happens to be totaled as soon as you drive off the lot,…
What's the difference between an insurance carrier and an insurance agency?
Great question! The word "carrier" in terms of insurance is just a synonym for company. An insurance carrier is the insurance company that covers your vehicle and is listed on your policy (e.g. Allstate, State Farm, etc.). An insurance "agency" is a business that sells insurance coverage through on…
I swerved to miss a deer in the road, wrecked my car, and now my insurance company is saying that I'm considered at fault. Why is that?
Hitting an animal in the road falls under the category of a comprehensive insurance claim because animals do not follow road laws and can't be expected to avoid cars or roadways. It's the same general principle as hail damage. The incident changes to an at fault accident when you swerve to avoid th…
Why didn't my insurance company give me a defensive driving discount for completing the course?
Discounts vary by company, state, and situation so there is no guarantee that a carrier will provide a discount just from completing the course. Because taking a defensive driving course costs money, you always want to check with your company to see if they offer a discount before wasting your mone…
I just bought a used car and it is still insured under the previous owner. Am I covered?
When the ownership of a vehicle transfers from one person to another then the insurance coverage is no longer valid for the new owner. Even though the policy may still be active from the previous owner, you now own the vehicle and are not listed as a driver on the insurance coverage. You would need…
