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Coverage & Claims

I was driving my friend's car and his car wasn’t insured but I am insured under my own policy. Will my insurance cover it?

Your insurance policy won't cover the damage to your friend's car — it's only your liability coverage that follows you as a driver. Since you're not at fault, I recommend that your friend contact the at-fault party's insurance to get the car repaired. Note that if the vehicle is uninsured but registered under your friend's name, the state of Florida can suspend his license once they check for insurance. If you have any questions, don't hesitate to ask.

Coverage & Claims

What happens if someone makes a false car insurance claim against me?

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible.

Coverage & Claims

Are insurance proceeds taxable?

Thanks for your question. In general, insurance proceeds are not taxed.

Coverage & Claims

If my husband is excluded from his sister's policy, is he still covered as a passenger?

Sorry to hear about your situation. The big question here is this: who was driving the car?

Coverage & Claims

Can I file an additional loss of use claim even after the at fault party's insurance has paid for the repairs of the vehicle?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had. For future reference, I recommend using the initial claims payout for what it was meant for — your car's repairs, first and foremost.

Coverage & Claims

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

Coverage & Claims

Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?

Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.

Coverage & Claims

MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

Coverage & Claims

My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?

If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.

Coverage & Claims

What can I do if I was in a not-at-fault car accident without insurance?

Sorry to hear about your accident. Regardless of whether you had insurance or not at the time of the accident, the at-fault party must pay for the damages.
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