Coverage & Claims

I got in an accident the same day I reinstated my lapsed policy. Will it be covered?

It depends on how the policy was reinstated. If they reinstated with no lapse, then you are free to file a claim.

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Coverage & Claims

Can an insurance company refuse payment for an accident claim by their client if I'm unable to pay their full set amount?

The full amount of damages is to be settled at the time of loss. The insurer giving you a payment option versus taking you to court is already a courtesy they are offering you.

Coverage & Claims

Will gap insurance pay out if I buy the salvaged vehicle from the insurance company?

Your gap coverage should still cover the $2,000 owed on the loan regardless of what happens after that. I would definitely check directly with your insurance company to make sure there is no stipulation that prevents this if you choose to buy back the salvage title. If you have any questions, feel free to ask.

Coverage & Claims

Can the other person still file an insurance claim against me if I wasn't issued a citation?

Yes, regardless of police involvement the other party can file a claim against you if you were at-fault. Your insurance will want to settle the claim to avoid a lawsuit.

Coverage & Claims

My car was hit by a drunk driver that ran off. Why do I owe a deductible if my car was damaged in a hit and run?

Your insurer should not at all be listing you as the liable or at-fault party in a hit-and-run claim. I recommend contacting your insurance company to ensure they are filing the claim accurately. If you're using uninsured motorist coverage for this claim, you could be responsible for your deductible; but depending on the circumstances, this could be reimbursed back to you. If you have any questions, feel free to ask.

Coverage & Claims

What is the No Pay, No Play law in Alaska? What happens if both parties in an accident are uninsured?

Unless you were under the influence, drove recklessly, acted with intent, or fled the scene in a hit-and-run, I don't necessarily think you could be charged for a felony if you've been cooperative. However, a suit could be filed against you for damages. Regardless of both parties' insurance status, if you were at fault for the accident and the other party can prove this, then you need to pay for the damages caused.

Coverage & Claims

We had an accident while towing someone else's car. Whose insurance pays for the damage?

Whose company pays for the towing damage will be very specific to which insurer you have a policy with. Many companies will not cover any type of towing equipment without a special endorsement.

Coverage & Claims
Eligibility

Does uninsured motorist coverage cover borrowed vehicles?

Sorry to hear about the accident. From my understanding of your situation, as long as you are a covered driver, his uninsured motorist coverage should apply to you.

Coverage & Claims

If my car is determined a total loss in an accident, will my gap insurance cover the down payment used to secure my loan?

Gap insurance will only cover what is left on your loan after an insurance company pays out. Gap coverage is best purchased if you are going to have a difference between the loan amount and the value of the vehicle.

Coverage & Claims
Homeowners Insurance
Renters Insurance

How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.

Coverage & Claims

Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?

Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
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