Eligibility
Do I need to report a fix-it ticket when applying for new auto insurance?
As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR). If you're looking for new auto insurance, you can start comparing quotes instantly here. If you have any questions, feel free to ask.
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Eligibility
How do I get insurance if I'm not the owner of the car I'm driving?
Many companies will still insure you even if you're not the owner of the vehicle. However, they will likely want your father to be listed on your policy as an additional interest since he is the owner.
Eligibility
How do I get insurance for making deliveries if I'm borrowing a car?
A non-owners insurance policy provides liability coverage for drivers who don't own a car. However, if the vehicles aren't insured and registered by your mother-in-law, you are still not going to be legal on Colorado roads. As for making deliveries, you will need a personal policy that also covers your business-use.
Coverage & Claims
Eligibility
Does uninsured motorist coverage cover borrowed vehicles?
Sorry to hear about the accident. From my understanding of your situation, as long as you are a covered driver, his uninsured motorist coverage should apply to you.
Eligibility
Am I still considered high risk if I have not had my own insurance for years, but have been covered and driving on my job's company insurance?
Not having a personal auto policy doesn't necessarily always categorize you as high-risk, but potential insurers will see your lack of one as a lapse — which will, in turn, make your rate more expensive. Learn more about how a lapse can affect your premium here. Generally, insurance companies will not accept business or commercial insurance as proof of prior insurance.
Eligibility
General Insurance
Can I be listed on my boyfriend's car insurance?
If you both reside at the same address you should have no problem getting added to the same plan as your boyfriend. While this could possibly raise the rate that he is currently paying, it will likely come out as cheaper on the whole.
Eligibility
Can I still get insurance on my car if the previous owner still has it insured?
Yes, you should get insurance on your vehicle immediately; the previous owner's existing policy will not affect the insurability of the car. The previous insurance on the vehicle does not apply to you, especially once the vehicle is handed over and sold.
Eligibility
Can I add a non-licensed, non-U.S. citizen to an auto policy?
Thanks for the question. The first thing that I would say is that you should consider having them get their drivers license beforehand.
Eligibility
Do we need to add our nanny to our auto insurance?
I would strongly advise not letting your nanny drive your kids without insurance. If she were to get in an accident, no coverage would be in place and she would have to foot the bill for damages to all vehicles and potential injuries for your children. Your nanny will need to get insurance for her personal and business use to adequately protect herself and your family. If you have any questions, feel free to ask.
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.
Eligibility
Can a handicap permit from another country be used in the US?
It appears the following states will allow you to use an out of country placard: California, Illinois, Louisiana, Nevada, and Texas. If she'll be visiting other states, you may need to contact the state's DMV for additional information. If you have any questions, don't hesitate to ask.