Coverage & Claims

Will my insurer honor a claim if my ex-husband took the car?

Sorry to hear about the situation. If needed, the claim will still be honored because the insurance was in effect at the time of the loss.

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Coverage & Claims

Can someone file a claim after I paid what the body shop quoted him?

Sorry to hear about your situation. If you paid for all damages and signed off that the repairs were completed, I don't see how this person could legitimately file a claim against you.

Coverage & Claims

Do I have to pay the 2% plus my standard deductible if I had a house fire?

Sorry to hear about that. It sounds like you would only pay the 2% deductible and insurance should handle the rest.

Coverage & Claims

I made two claims last year. Should I file a third?

If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.

Coverage & Claims
Eligibility

If I give my daughter in Texas my car, does she need full coverage or liability?

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.

Coverage & Claims

Will insurance cover damage to the computer of a leased car?

I'm sorry to hear about the situation. Unless the damages were the result of vandalism or an accident, your insurance company will not get involved in the issue.

Coverage & Claims

Who gets the settlement check if I don't own the insured car?

The claims payout would go to the vehicle owner. Insurance companies will not pay a different party without permission.

Coverage & Claims

If I damaged another person's car but they waited to file a claim and I no longer have the car insurance policy, do I have to pay them?

You do not have to pay them if you had insurance at the time of the accident. They would need to contact the insurance company you had at the time, provide them with your policy information, and start the process.

Coverage & Claims

Can I still file an injury claim separate from a vehicle damage claim?

You are correct. Some injuries may take a while to become apparent. If you are still within the statute of limitations — and the injury was a direct result of the accident — you can reopen the claim to receive payment. 

Coverage & Claims

Will PIP pay for my medical bills?

Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.

Coverage & Claims

Do I still need to pay my monthly premium if my car was totaled?

Sorry to hear about the accident. You should have no need to insure the vehicle further.
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