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Coverage & Claims

My car was keyed 4 months ago. Is it too late to file a claim with my insurance company?

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.

Coverage & Claims

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.

Coverage & Claims

I have liability and uninsured motorist coverage. Can I file a claim on a hit and run accident?

Yes, your uninsured motorist coverage would include coverage for UMPD (uninsured motorist property damage). Your deductible typically applies.

Coverage & Claims

Will insurance cover a leak in my car's sunroof?

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim.

Coverage & Claims

I agreed to pay out of pocket for an accident, but do I have to pay for their rental car if it's prohibitively expensive?

Sorry to hear about your accident. If you accepted fault for the accident you are responsible for the person's transportation expenses.

Coverage & Claims

My 4-year-old daughter was in a car accident awhile back with a friend who has car insurance, am I able to still file a claim through her insurance?

You should still be able to open up a claim for any injuries or medical visits resulting from an accident. Specifically, in Tennessee, you have three years to make property damage claims and one year for injury claims.

Car Insurance Costs
Coverage & Claims

Can I sell a car if a windshield replacement claim hasn't been completed yet?

Thanks for the question. I would not sell the vehicle while the claim is still open.

Car Insurance Costs

Will my rates go up if I file a claim for a vandalized windshield?

A comprehensive claim can affect your insurance rating. However, most carriers are alright with allowing one such claim per three year period.

Coverage & Claims

What happens if someone makes a false car insurance claim against me?

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible.

Coverage & Claims

Are insurance proceeds taxable?

Thanks for your question. In general, insurance proceeds are not taxed.
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