Coverage & Claims
Homeowners Insurance

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim. If you want to fight it off your record, you'd need to look up your CLUE report from LexisNexis and open a dispute regarding that claim.

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Coverage & Claims

Is my insurance still responsible for my vehicle theft after I canceled my policy?

As long as the claim happened during the duration of your policy, it is covered. You have no obligation to keep insurance until the payout occurs, so even if you've canceled it, your insurance is still responsible for processing the claim. If you have any questions, don't hesitate to ask.

Coverage & Claims

I own my car but it's still insured under my dad. Will his insurance cover my accident?

I would reach out to your dad's insurance provider to see if you can be covered. They may be willing to cover the accident since the policy is still active. If you have any questions, feel free to ask.

Coverage & Claims

Can an excluded driver claim bodily injury if they're at fault?

I would file a claim on their insurance. Excluded drivers are exempt from coverage.

Coverage & Claims

What comes next after a total loss?

If your insurance company has deemed your vehicle to be a total loss, you can expect them to pay you the actual cash value of your car minus your deductible. See more about total losses in car insurance here. If you have any questions, feel free to ask.

Coverage & Claims

Should I file a claim with their insurance company or mine?

In this case, if they opened a claim on their own insurance they are likely admitting fault. I would also open a claim against their insurance.

Coverage & Claims

My car was a total loss. Will the other insurance send the money to my lienholder?

Sorry to hear about your situation. I would check with your gap coverage provider.

Coverage & Claims

Do I have to pay the deductible for the damages I caused while driving uninsured?

Sorry to hear about the accident. You are not responsible for their deductible, but you are responsible for all damages caused.

Coverage & Claims
Eligibility

Will my car insurance company drop my son from our policy after a wreck?

Sorry to hear about the accident. Unless your son has other serious infractions on his record, I doubt that an insurance company would drop a driver for one loss.

Coverage & Claims

Can another insurance company find out about my at-fault accident if I pay for my own damage?

Sorry to hear about the situation. There are a few things to think about here.

Coverage & Claims

Should I file a claim through State Farm?

These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record, an accident will typically increase your rates by about 20 to 30%.
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