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Coverage & Claims

I broke a tooth while working on my friend's car. Will his auto insurance cover the dentist bill?

Auto insurance will not get involved in this situation unless you were injured in a car accident or something else that would qualify as a loss. If your friend is at-fault for this happening, you could file a claim against the personal liability coverage of their renters or homeowners policy.

Coverage & Claims

Is it illegal to carry liability insurance rather than full coverage on a financed vehicle?

Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.

Coverage & Claims

If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?

The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do.

Coverage & Claims

If I have gap insurance and totaled my car, but there is no gap between insurance payment and remaining loan balance, do I get a refund?

Not all gap insurance is written in the same manner, so you may have to refer to your insurer to get more information. From my understanding, if you pay off the loan and didn't use gap insurance to do so, they will probably refund some premiums paid back to you.

Coverage & Claims

Why is it fair that I have to pay the deductible when someone else hit my vehicle and ran?

Unless you had uninsured motorist coverage, paying the deductible to fix the vehicle is probably the only option in the event of a hit-and-run. So what your insurer is telling you sounds correct.

Coverage & Claims

Should I file a liability claim if I caused $650 in damage to the other car?

We have a handy guide on how to determine whether or not to file a claim here. For that amount of damage, it's probably wise to forgo the claim and pay for the damage out-of-pocket. If you go through insurance, you would be classified as at-fault in this incident and you can expect your premium to increase over a period of three years.

Coverage & Claims

If the driver is not licensed, does it affect their ability to file a claim?

Most insurance companies do have access to a driver's background when they quote and insure them. Not having a driver's license is usually an issue for insurers but it's not impossible to find insurance for an unlicensed driver, and that seems to be the case in this situation.

Coverage & Claims

I was driving and the car in front of me hit a deer and I ran over it. Why won't my insurance cover it under comprehensive?

Hitting an animal is almost always covered under comprehensive coverage. Unless something else had happened, I would seek additional assistance with this claim because they should not be denying it.

Coverage & Claims
Eligibility

If the at-fault driver hasn't added a new car to their policy, will their insurance still pay for my damages?

Sorry to hear about the accident. Regardless of whether their insurance pays, the at-fault party is responsible for any damages caused.

Coverage & Claims

In the past five years, we have had four claims. I recently had an accident in my garage where I hit my own car. Should I file a claim?

Given your claims history, I would pay for the damages to both vehicles out-of-pocket. You are correct that having any more claims added will likely make it very difficult to find coverage — not to mention when you do, it's going to cost even more than your current bills.
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