General Insurance

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. Learn more about collateral protection insurance here.

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. If you have any questions, feel free to ask.

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.

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.

DoorDash does cover some liability for its drivers. See more info about what insurance delivery drivers need here. When it comes to using a rental car for deliveries, they will not provide any physical protection for the vehicle.

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. If you have any questions, feel free to ask.

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.

It could be tough for your daughter to insure the leased vehicle if insurance companies see that she is not the owner. In addition, your lease agreement likely states that you have to be insured on the vehicle, and they may not be okay with your daughter being both the primary driver and out of state.

If she plans on using a vehicle for business-use and transport people to and from different locations, most personal auto plans will not accept the risk if they know the vehicle was used for work purposes and not disclosed. She'll need to look into a commercial policy or, if available, adjust her current personal auto policy.

We generally recommend basing your liability needs on your assets. From the information you've given, I would say that maxing out your liability limits and getting an umbrella policy is probably a wise decision since you own your home and vehicles and have a high net worth.