Coverage & Claims

Can I group multiple accidents into one claim?

Unfortunately, you would be filing a collision claim which would be categorized by your insurer as an at-fault accident. This will likely cause your rate to increase.

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Coverage & Claims

If my car was damaged at a gas station due to bad weather, who pays for the repair?

For damage caused to your vehicle by objects other than a vehicle, comprehensive coverage would normally pay for your repair. This type of damage would have to be covered by your own insurance company unless you have proof that the item that caused damage to your vehicle came from a specific source, i.e.

Coverage & Claims

What should I do if I damaged an old car and don't want the insurance company to total the vehicle?

You are right to be concerned about the car being totaled if you file an insurance claim, so if you can afford to pay for the repairs out of pocket then I would recommend doing that. If you were to file a claim, the car's owner might have the option to purchase is back from the insurance company but that could easily be avoided by simply covering the repairs yourself.

General Insurance

What should I do after a minor accident?

It really depends on what the repair cost will be. If the other driver gets a few repair estimates, you should have a better understanding of whether it's worth paying for the damage yourself or filing a claim.

Motorcycle Insurance

Do I need insurance coverage for my new scooter?

There are a few things you will need before you take your new scooter out on the road to be legal in Delaware. You will need a motorcycle license and you must register and title your scooter with the state.
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