General Insurance

Will a non-owners policy be cheaper and right for my daughter?

A non-owners policy is cheaper than a standard policy. To qualify for a non-owners, your daughter cannot own a car or have regular access to a specific car.

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Eligibility

Am I legally required to insure my son's car?

Yes, everyone that lives in your household that is of legal driving age needs to be listed on the policy. The reason is they have access to the car.

Coverage & Claims

What model car can I pick to get the cheapest insurance rates?

The cheapest type of car to ensure is typically an early 2000's four-door sedan. You want it to be a car that you are not making payments on that way you do not have to carry comprehensive and collision coverage.

Eligibility

Can my daughter keep her vehicle insured under my name?

There's a couple of things to think about here. Does your daughter live with you?

Car Insurance Costs

Rate hike after fender-bender and cell-phone use ticket

There are a few things to consider here. First, getting a ticket for "use of cell phone" will be reported on her motor vehicle report (MVR).

Eligibility
General Insurance

Can my adult children who don't live with me be on my car insurance policy?

Although you are all living in the same state, insurance is rated at the zip code level. So, in this scenario, they would need their own policies.

Eligibility
General Insurance

Can I still be on my parent's car insurance?

Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. Because of your age, you might have some difficulty finding car insurance, so here is our guide to shopping for car insurance for 22-year-olds.

Coverage & Claims

If my son intentionally punched his leased car when he was upset, can I file a claim?

Outside of a vandalism claim, auto insurance policies do not cover intentional damage caused to a vehicle. If you are actually the owner of the car then you may be able to claim that your son vandalized it, but the decision to provide coverage for the damage will ultimately be up to your insurance company and repairs already made to the vehicle may or may not be reimbursed.

General Insurance

What is the difference between liability vs uninsured motorist vs comprehensive coverage?

Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance.

Coverage & Claims

What coverage do I need if I hit a deer?

Normally when you are driving and hit something in the road then the damage would be covered under collision. However, hitting a deer (or any other animal) is considered a comprehensive claim since it is an unexpected variable and falls under the category of an "act of god," much like hail damage or vandalism.
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