Coverage & Claims

Should I work things out with the at fault driver instead of going through insurance?

We are sorry to hear that you were involved in an accident. If you and the at fault driver have agreed to have them pay for the damages out of pocket, that is within your rights.
May 23, 2022 Minneapolis, MN

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Most Recent

Coverage & Claims

Can you file a claim on behalf of the insured if they are deceased?

First of all, we're very sorry to hear about the passing of your mother. Our thoughts are with you and your family.
May 20, 2022 Winter Park, FL

Coverage & Claims General Insurance

How do I know if I'm covered and what coverage I have if I'm not the primary policyholder?

We are sorry to hear that you were involved in an accident and to hear about your current predicament. Does the primary policy holder have the written policy so that you can see what cars are covered on it and for which coverage?
May 6, 2022 San Antonio, TX

Coverage & Claims

Do I have to use the repair shop my insurance company recommends?

No, you do not have to use the garage or body shop your car insurer recommends. In fact, many states have laws on the books specifically stating that an insurer cannot require you to use a certain shop.
Oct 11, 2021 Las Vegas, NV

Coverage & Claims

Can I still file PIP claims for accents that happened years ago?

Florida is a no-fault state, meaning that in most cases you are responsible for your own medical care after an accident, regardless of who is at fault. Your PIP coverage should cover the most recent injuries (up to your policy limit which is typically $10,000 in Florida).
Jul 25, 2021 Ocala, FL

Coverage & Claims

Can an insurer make me file multiple claims for a single accident?

Sorry to hear about your accident. Every company is going to have its own rules and regulations, so this is going to be up to them ultimately.
Jul 21, 2021 San Francisco, CA

Coverage & Claims

Am I covered if a friend wrecked my rental car?

I'm sorry to hear about the accident, but I would not attempt to make a claim on an insurance policy purchased after the fact. Insurance is always bound for the current time and forward.
Jul 18, 2021 Neenah, WI

Coverage & Claims

Do I have to disclose a claim on quotes that was handled under another party's insurance?

If the other party handled this claim on their insurance because you were not at fault, the claim should not affect your insurance rates or quotes going forward. If you decide to proceed with an application and do not disclose this claim, the insurance company’s underwriting department may find this regardless of whether you told them or not.
Jul 11, 2021 Georgetown, TX

Coverage & Claims Homeowners Insurance

Is prior insurance liable for roof damage found or is the current insurance company?

Your new insurance carrier would be the company you file this claim with. Since there was no active claim with your old company, they would not open an investigation past your policy expiration date.
Jul 8, 2021 Midwest City, OK

Coverage & Claims

I wrecked my car— is it okay if I don’t report it to my insurance company?

If you prefer to repair damages out of pocket and not put a claim on your insurance, you don’t need to file a claim with your provider.
Jan 13, 2021 Williamstown, KY

Coverage & Claims General Insurance

Will commercial car insurance cover my personal use?

You will need to check the exact terms of the policy when it is written, but most commercial plans will cover personal use in addition. 
Jan 11, 2021 Akron, OH
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