Coverage & Claims

Can someone file a claim after I paid what the body shop quoted him?

Sorry to hear about your situation. If you paid for all damages and signed off that the repairs were completed, I don't see how this person could legitimately file a claim against you.

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Coverage & Claims

Can I still file an injury claim separate from a vehicle damage claim?

You are correct. Some injuries may take a while to become apparent. If you are still within the statute of limitations — and the injury was a direct result of the accident — you can reopen the claim to receive payment. 

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.

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.

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.

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.

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.

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.

Coverage & Claims

Can I file an additional loss of use claim even after the at fault party's insurance has paid for the repairs of the vehicle?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had.

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.

General Insurance

Would I avoid the penalties of a ticket for failing to provide proof of insurance if I got insurance before my court date?

Unfortunately, you likely won't be able to avoid any penalty for not having insurance. I would still recommend going to court with insurance — your judgment might be less severe if you resolve your uninsured status versus still being uninsured by the time your court date comes around.
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