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.

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Coverage & Claims

Can the other person still file an insurance claim against me if I wasn't issued a citation?

Yes, regardless of police involvement the other party can file a claim against you if you were at-fault. Your insurance will want to settle the claim to avoid a lawsuit.

Coverage & Claims

What is the No Pay, No Play law in Alaska? What happens if both parties in an accident are uninsured?

Unless you were under the influence, drove recklessly, acted with intent, or fled the scene in a hit-and-run, I don't necessarily think you could be charged for a felony if you've been cooperative. However, a suit could be filed against you for damages. Regardless of both parties' insurance status, if you were at fault for the accident and the other party can prove this, then you need to pay for the damages caused.

Coverage & Claims

We had an accident while towing someone else's car. Whose insurance pays for the damage?

Whose company pays for the towing damage will be very specific to which insurer you have a policy with. Many companies will not cover any type of towing equipment without a special endorsement.

Car Insurance Costs
General Insurance

My insurance company sent me a non-renewal notice. Will this affect my premiums going forward?

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.

Coverage & Claims

Am I able to buy insurance now and use it to file a claim for a not-at-fault rental car accident?

Insurance never works retroactively; it goes by the effective date stated on the policy. Any incidents that happened prior to the date of binding will not be covered.

Coverage & Claims

Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?

Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.

Driving History

Why is my ex's accident following me around in my insurance quotes?

Claims tend to be attached to the driver that was at fault. If you were the policyholder at the time, some companies will see this and still charge you for that at their discretion.

Car Insurance Costs
Coverage & Claims

How can an insurance company add an accident to your record that never happened?

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this 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

What do I do if the party at-fault claims insurance first?

I'm sorry to hear about your accident, but I'm glad that you took pictures. It is hard to say if the police will show in some areas for a minor accident.
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