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Coverage & Claims Eligibility

Do you have to have full coverage to drive for Uber in Illinois?

While passengers are in the vehicle, most rideshare insurance is handled by Uber or Lyft. Passengers are covered for any injuries sustained during such a ride.
Jun 2, 2020 Chicago, IL

Coverage & Claims

Is the lienholder in any way responsible in a car accident?

A lienholder would not be responsible for your accident. The lienholder would receive the claims payout for the vehicle if insurance got involved.
May 28, 2020 Anderson, IN

Coverage & Claims

Do I need a police report to file an uninsured motorist claim?

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know would be if it would be possible to still get a police report and redo the claim.
May 26, 2020 Memphis, TN

Coverage & Claims

If I ask my insurance agent about making a claim, can they raise my rates?

While your agent could certainly help advise you about whether or not to make a claim, it's possible that they could report the potential claim to their underwriters who may follow up on it. At-fault accidents can add a considerable amount to your insurance premiums, so you definitely want to be careful about filing.
May 25, 2020 Edgerton, WI

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.
May 19, 2020 Sun Valley, NV

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.
May 14, 2020 Denver, CO

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.
May 14, 2020 Lakewood, WA

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.
May 12, 2020 Los Angeles, CA

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.
May 11, 2020 Los Angeles, CA

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.
Mar 12, 2020 Grand Prairie, TX
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