General Insurance

Do I have to list my spouse on my policy even if we are separated?

Depending on the state you live in, some carriers will ask that you list a legal spouse on the policy, even if you are separated. Others will allow you to exclude a spouse from your policy completely.

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General Insurance

It’s my first time getting my own insurance policy after being covered under my parents’. What do I do?

If you were listed as a driver under your parents’ policy, you would be considered covered by insurance for however long you were on their policy. Be sure to shop around for your new policy before your parents remove you from theirs to avoid a lapse in coverage.

General Insurance

How do I determine if I need an umbrella policy?

If you have assets you are trying to protect and have maxed out your liability limits, I would recommend getting an umbrella policy. They tend to be very inexpensive and will offer more robust coverage.

General Insurance

Do I have a legal three-day window to drive to NY in my new car without plates?

There is no legal window where you can drive without the plates. If you are buying through a dealership they should be able to assist you on behalf of the state of Virginia in obtaining a temporary plate.

General Insurance

Can insurance be force-placed if we did not have coverage on the new vehicle for three months last year?

Yes, many lenders have this written into their agreements and you will get charged for any time not insured. In most cases, they will force-place insurance on the vehicle of their own and charge you for it unless you can provide proof that you were insured during those months.

Car Insurance Costs
General Insurance

Will an unreported car accident affect my premium?

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

General Insurance

Can there be different deductibles for comprehensive and collision?

Some companies will allow you to have different deductible amounts for collision and comprehensive — and some people prefer to have a smaller deductible for comprehensive than collision. If you have any questions, feel free to ask.

General Insurance

I signed up for a new insurance policy, but why doesn't the quote doesn't match the policy I signed up for?

The first thing you'll want to do is to check your policy's declaration page to see the exact coverage that you currently have. This may be a physical document or, if your insurer has an app, could be electronic. If you find that your coverage is insufficient, you should start shopping for a new policy or look to add coverage from your current insurer.

Eligibility
General Insurance

Does DoorDash include liability coverage?

DoorDash does cover some liability for its drivers. See more info about what insurance delivery drivers need here.

General Insurance

Do I need insurance to transport a used car to the shop?

You do not need to insure the vehicle while it's in transit — especially since it's not yet registered. You'll need insurance once the vehicle is repaired and ready to be driven.

General Insurance

Can you make your child a permissive user in order to get a discount?

You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
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