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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.

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%.

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.

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.
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