General Insurance

How can I find info on my recently deceased mother’s Gap policy?

Gap insurance covers the difference between what your car is worth and what the insurance company is willing to pay out if it’s totaled. This only applies when the car is involved in an accident that totals it; if this was the cause of your mother’s passing, her gap insurance may cover the remaining balance.
Jul 6, 2021 Yuma, AZ

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Most Recent

Renters Insurance

Do we have to have receipts for everything in our home when getting renters insurance?

Fortunately, you do not need to keep receipts of everything you own, but it does help to have a record just in case. Most people tend to underestimate how much they have.
Jan 16, 2020 Buckeye, AZ

Eligibility

My car was bought in Mexico but the title is from Nevada. Can I bring it back to the U.S. and get it insured?

Thanks for the question. If the title is originally from Nevada you should have no issues getting insurance and registration in the U.S.
Jan 1, 2020 San Luis, AZ

Coverage & Claims

Do I need to report a claim I filed if the homeowner didn't follow up with it?

Thanks for the question. If the claim was never paid out, you don't really need to mark it down as an accident.
Dec 12, 2019 Tempe, AZ

Eligibility RV Insurance

Do you offer insurance for conversion vehicles?

It will be difficult to find insurance for your modified vehicle. Unfortunately, The Zebra does not offer any insurance carriers that will cover your converted van.
Dec 1, 2019 Phoenix, AZ

Car Insurance Costs

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.
Nov 19, 2019 Phoenix, AZ

Eligibility

If I buy a car right before I move states, do I have to get an insurance policy in the state I bought it?

If you will be registering and living in South Dakota, then you will want to get an insurance policy for the address where you'll be living in that state. Insurance needs to be in the state that the vehicle is registered in.
Oct 22, 2019 Prescott, AZ

Coverage & Claims

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.
Sep 17, 2019 Mesa, AZ

Coverage & Claims

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.
Jun 25, 2019 Phoenix, AZ

General Insurance

Is it possible to purchase insurance on a car not owned by me?

Yes, you can get insurance for a vehicle not owned by you — the best option would be to have your friend add your name to the registration before getting insurance or get your own policy but have your friend listed there as insurable interest. You can also get non-owners insurance, but you should only opt for this if you don't plan on driving the car regularly as it only provides liability coverage, so you won't get full coverage with collision and comprehensive.
Jun 25, 2019 Phoenix, AZ

Coverage & Claims

Do I have to pay a deductible if I caused an accident?

If you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle. Liability coverage does not have a deductible, meaning you will only pay a deductible to have your car repaired if your comprehensive or collision coverage pays for the damages.
May 9, 2019 Phoenix, AZ
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