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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…
Can I file a claim if my insurance policy is canceled but was active at the time of an accident?
You may still file a claim if your policy was active at the time of the accidentIt will depend on how long ago the accident happened. You can use our chart on time limits for filing claims by state and see if you still have time to file a claim. If the accident happened in Florida, you have 4 years…
Will my down payment be refunded if I cancel my insurance during the first month?
You can cancel and switch car insurance providers whenever you choose, even the same month you signed up; there's no minimum time you're required to stay with a carrier.But before you cancel, reach out to your current carrier to ask about cancellation fees and refund eligibility, since this varies …
Can I insure a car that is being financed by someone else?
Insuring a car you don't own can be tricky. If you're lucky, you should be able to insure the vehicle under your own policy without any issue from your insurance company. However, not every carrier offers this type of policy (called a non-owners policy) so you may need to do some research on what y…
What do I do if a tree falls on my car?
That's frustrating! The good news is that if you have comprehensive coverage, then there should be no issue filing a claim with Travelers and getting your vehicle repaired in a timely manner since you've already been waiting on the other insurer. Even when damage isn't your fault, sometimes it's wo…
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, insurance requirements are tied to vehicle registration, not the title itself. Under Minnesota Statute 65B.48, the requirement to carry insurance applies to vehicles that are registered "during the period of time in which operation or use is contemplated," so if your vehicle is inoper…
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…
