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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.

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

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.

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
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

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.
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