Coverage & Claims

Must I list my children on my policy if they have a learners permit or a drivers license in the state of New York?

Thank you for the question. In short, you will run into issues with your insurance company if you are not listing all household members.

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Coverage & Claims

Can you get in legal trouble if you hit a parking pole?

Whether or not you could get into hot water legally-speaking depends on a few factors: 1. Was there another party involved in the collision?

Coverage & Claims

Am I liable if I hit a tire in the road that also damaged the car behind me?

Sorry to hear about the accident. I can not officially determine fault, but by the information provided, I would expect you to be responsible for the damages caused.

Coverage & Claims

Do I need to report a claim I filed if the homeowner didn't follow up with it?

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.

Coverage & Claims

Is my excluded boyfriend covered if he's hit by another driver?

Sorry to hear about the accident. If the other person is at-fault they should cover all damages regardless of who was driving your car.

Coverage & Claims

If I cancel my insurance is there a grace period after cancelation?

Sorry about your situation. Unfortunately, there is no grace period around dates.

Coverage & Claims

I have full coverage and a non-owner hit a deer. Will insurance cover the damage?

As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.

Coverage & Claims

Do I still need uninsured motorist coverage if I have Medicare coverage?

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high.

Coverage & Claims

My car was keyed 4 months ago. Is it too late to file a claim with my insurance company?

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.

Coverage & Claims

If I backed into an uninsured car, do I still need to file a claim to fix the car?

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.

Coverage & Claims

Does insurance cover someone helping me get my keys out of my locked car?

It would be covered if you have roadside assistance as part of your coverage. If you only have the minimum amount of liability coverage, it's likely you won't have coverage for a lockout situation.
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