Coverage & Claims
Homeowners Insurance

A logistics company driving for FedEx hit my retaining wall. Should I make a claim or wait?

I would recommend waiting for the logistics company to pay for it. If you file a claim through your carrier, it may take a while for them to retrieve the money owed to you, and you will now have a claim on your homeowners insurance record.

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Coverage & Claims

A car sideswiped me and then filed a claim against my insurance. Is this legal?

Sorry to hear about the situation. In general, your insurance company does not want to pay out on claims, especially if there is any hint of fraud.

Coverage & Claims

I backed a company van into my own car and was told that I have to use my personal insurance. Is this true?

Not being a claims adjuster, I can't say exactly how this situation should play out. However, their assessment seems fair since it was your fault and your vehicle was damaged.

Coverage & Claims

Can I add coverage after hitting a deer?

This is actually considered insurance fraud. You can get in serious trouble if you are found claiming an event that occurred prior to you having coverage.   

Coverage & Claims
General Insurance

I have liability coverage only and I hit a highway median. Am I covered for any damages?

Liability insurance only covers damages you directly cause. It never covers your own property.

Coverage & Claims

My car was hit while parked outside my apartment complex. I have no witnesses but the truck parked next to mine looks like it did it. What can I do?

You can certainly open up a claim with your insurance company and see what they say. Even if it’s not totally clear this truck hit your car because there were no witnesses, they may be able to advise on next steps for what could be considered a hit-and-run.

Coverage & Claims
General Insurance

Will gap insurance cover a totaled vehicle?

Likely your gap insurance would not cover the difference if you take the lower payout. Most gap plans are written in a way that requires you to take the totalled vehicle payoff and apply it to the loan first.

Coverage & Claims
General Insurance

How do I insure a vehicle I have in another state?

Since insurance regulations vary by state, there are not a lot of options if you have vehicles in separate states. You would need to have two plans, one for each state.

Coverage & Claims
Homeowners Insurance

I bought a new homeowners policy on the 3rd and my home was broken into on the 4th. Am I covered?

Yes, your claim should be covered. As long as a policy is active, it does not matter when the claim occurs.

Coverage & Claims

If my policy ended before they sent me a check for a totaled vehicle, do I still need to pay for another policy?

If you no longer have the vehicle and you don't intend on insuring a new vehicle with the same company, you should be able to back date cancel it to the day after the accident. Your best bet is to call your carrier’s customer service line and see what they can do for you.

Coverage & Claims

I just recently lowered my coverage deductible from $2000 to $250. When does that change go into effect?

Unless otherwise requested, changes on insurance policies go into effect right away. As long as you requested the change sometime before you began your trip, the deductible change is in effect as soon as you request it from your insurance company.
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