Coverage & Claims

Do I have to use the repair shop my insurance company recommends?

No, you do not have to use the garage or body shop your insurer recommends. In fact, many states have laws on the books specifically stating that an insurer cannot require you to use a certain shop.
Oct 11, 2021 Las Vegas, NV

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Coverage & Claims

Can I still file PIP claims for accents that happened years ago?

Florida is a no-fault state, meaning that in most cases you are responsible for your own medical care after an accident, regardless of who is at fault. Your PIP coverage should cover the most recent injuries (up to your policy limit which is typically $10,000 in Florida).
Jul 25, 2021 Ocala, FL

Coverage & Claims

Can an insurer make me file multiple claims for a single accident?

Sorry to hear about your accident. Every company is going to have its own rules and regulations, so this is going to be up to them ultimately.
Jul 21, 2021 San Francisco, CA

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.
Jul 18, 2021 Neenah, WI

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.
Jul 11, 2021 Georgetown, TX

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.
Jul 8, 2021 Midwest City, OK

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.
Jan 13, 2021 Williamstown, KY

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. 
Jan 11, 2021 Akron, OH

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. 
Jan 6, 2021 Lawrenceville, PA

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.
Jan 5, 2021 Union, NH

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.
Jan 4, 2021 Hamilton, OH
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