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Coverage & Claims

Is my son covered if he got into an accident before being added to our policy?

Sorry to hear about your situation. It's hard to say if your insurance company is wrong to deny the claim without knowing your specific policy details.

Coverage & Claims

Within what timeframe does an insurer typically drop or penalize you for multiple (two) accidents?

Sorry to hear about the accidents. If you were to move to a new company they would probably start the policy reflecting these accidents.

Coverage & Claims

What do I do if the party at-fault claims insurance first?

I'm sorry to hear about your accident, but I'm glad that you took pictures. It is hard to say if the police will show in some areas for a minor accident.

Coverage & Claims

Do I need a police report to file a claim with insurance if I damaged my own vehicle?

You do not need a police report to open a claim. Since it was a single-vehicle accident, you will be charged as at-fault if the claim is paid, which would result in a higher premium.

Coverage & Claims

My insurance company wants to deem my car totaled. Can this be disputed?

Typically, an insurance claims department will do whatever ends up the cheapest for them. Unfortunately, they will almost never negotiate the claim type or even how they pay out on it.

Car Insurance Costs
Coverage & Claims

How will my rate be impacted by opening a comprehensive claim? How is fault decided?

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Coverage & Claims

Will comprehensive insurance cover damages caused by road debris?

Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.

Coverage & Claims

I got into a minor car accident and agreed to pay out-of-pocket, but today I learned they filed a claim against me. What should I do?

Unfortunately, if you're at-fault and the other party wants to file a claim against you, that is within their power to do so — even if you previously agreed to pay for the damage out-of-pocket. If you had already paid for the damage, make sure to tell the claims department when you speak with them and provide proof if you have it.

Coverage & Claims

My car is titled under my boyfriend's name and is now totaled but he's in jail. What do I do?

The claim payout for the total loss will only go to the lienholder or owner and not a third party. Your boyfriend will need to somehow sign the check or the vehicle over to you so you can remedy the situation.

Coverage & Claims

Someone hit me while pumping gas and I only have the license plate. What do I do next?

The damage from the hit-and-run would be covered if you have UMPD (uninsured motorist property damage). In California, you need to file a police report for the accident to be deemed a hit-and-run in most cases.
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