Ask An Agent
All Questions
Compare auto insurance rates and save up to $670 per year!
Does a vehicle need car insurance if its in storage in Virginia?
In Virginia, a vehicle that isn't registered, isn't being driven, and is parked on private property generally doesn't need to be insured. Virginia law requires insurance before a vehicle can be registered, so if it's still registered, it's worth checking with the Virginia DMV directly to understand…
If I hit a pole at a gas station and damaged my car will my policy cover the cost of fixing it?
In this situation, your policy will need to include collision coverage in order for the damage to be covered. State laws do not require this type of coverage so it's possible that it's not part of your policy. If you're unsure whether or not you have it, we recommend contacting your insurance provi…
Why am I at fault if I swerved to miss a car that ran me off the road?
In most single-vehicle accidents, the driver involved is normally considered at-fault because there simply isn't another person on which to place blame. The situation might have very well gone in your favor if the other driver had made contact with your vehicle, but it would be next to impossible t…
Does car insurance cover a uhaul?
Renting a U-haul is much like renting a car. Consider the size of the vehicle you will be renting. Generally speaking, if the vehicle has a full 1-ton towing capacity (normally designated as an F-350 or 3500 on the vehicle) or smaller then your policy will extend to cover that vehicle just like ren…
Does car insurance cover rodent damage?
Sorry to hear about your misfortune! Luckily enough, you should be able to file this claim through your insurance company assuming that you have comprehensive coverage on your policy. Comprehensive covers most damage to your vehicle that wasn't the result of an accident. This would include things l…
Does having car insurance build credit?
You are correct that, in the majority of states, credit has an impact on your overall rate. However, maintaining car insurance and paying your bill on time will not result in a significant impact on your credit score like making timely credit card payments. Your auto insurance policy is not directl…
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…
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,…
