Coverage & Claims

I wrecked my car— is it okay if I don’t report it to my insurance company?

If you prefer to repair damages out of pocket and not put a claim on your insurance, you don’t need to file a claim with your provider.

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Coverage & Claims

Does my personal auto policy cover a company construction vehicle?

Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy.

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.

Coverage & Claims

Is the lienholder in any way responsible in a car accident?

A lienholder would not be responsible for your accident. The lienholder would receive the claims payout for the vehicle if insurance got involved.

Coverage & Claims
Eligibility

Will my car insurance company drop my son from our policy after a wreck?

Sorry to hear about the accident. Unless your son has other serious infractions on his record, I doubt that an insurance company would drop a driver for one loss.

Coverage & Claims

Can another insurance company find out about my at-fault accident if I pay for my own damage?

Sorry to hear about the situation. There are a few things to think about here.

Coverage & Claims

I got in an accident the same day I reinstated my lapsed policy. Will it be covered?

It depends on how the policy was reinstated. If they reinstated with no lapse, then you are free to file a claim.

Coverage & Claims

Is my son covered if he got into an accident before being added to our policy?

Sorry to hear about your situation. It's hard to say if your insurance company is wrong to deny the claim without knowing your specific policy details.

Coverage & Claims

Is my excluded boyfriend covered if he's hit by another driver?

Sorry to hear about the accident. If the other person is at-fault they should cover all damages regardless of who was driving your car.

Coverage & Claims

I was rear-ended, but I'm an excluded driver. Will the damages still be covered?

Typically, when you are hit from behind the other driver is at fault. In this case, their insurance company would be responsible for the damages.

Coverage & Claims

I was driving my friend's car and his car wasn’t insured but I am insured under my own policy. Will my insurance cover it?

Your insurance policy won't cover the damage to your friend's car — it's only your liability coverage that follows you as a driver. Since you're not at fault, I recommend that your friend contact the at-fault party's insurance to get the car repaired.
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