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.

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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.

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.

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.

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. 

Coverage & Claims

Can I remove my deceased husband from my claims history?

Unfortunately, you won’t be able to remove him from the history of the policy, but if you are getting new quotes, it would be best to obtain proof that the claim was not in your name. Most insurance agents will be able to dispute a claim if they are provided said proof at the point of sale. 

Coverage & Claims

Who files a claim if each party in the relationship has their own auto policy?

You will want to use your boyfriend's insurance to cover this claim. He would need to have full coverage for the vehicle to be fixed.

Car Insurance Costs
Coverage & Claims

Is a claim payment to me by another company reported to my carrier?

It's hard to say with any certainty, but if your insurer was not involved in the claims process they would probably never know. If they do become involved they would likely know that a claim had gone through another company.

Coverage & Claims
Homeowners Insurance

How do I get a false renters claim taken off my record?

I'm sorry that you're experiencing this. I would get two things done.

Coverage & Claims
Homeowners Insurance

Can I get a quote for home coverage if the company offers a discount for having both home and auto?

Yes, our website has recently started allowing shoppers to see auto and homeowners bundles. You could always give our agency a call 1-888-255-4364 to speak with an agent who can help pair you with the right home and auto bundle.

Coverage & Claims
Homeowners Insurance

Is it too late to file a claim for a loss we paid for out of pocket?

If your son has coverage for this, he should still be able to file a claim, however each company has their own set of rules and guidelines. Depending on his deductible and how much he settled for, he might realize that filing a claim is not worth the premium increase.
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