Coverage & Claims

Who gets the settlement check if I don't own the insured car?

The claims payout would go to the vehicle owner. Insurance companies will not pay a different party without permission.

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General Insurance

Can you make your child a permissive user in order to get a discount?

You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.

Coverage & Claims

Can an excluded driver claim bodily injury if they're at fault?

I would file a claim on their insurance. Excluded drivers are exempt from coverage.

Coverage & Claims

What comes next after a total loss?

If your insurance company has deemed your vehicle to be a total loss, you can expect them to pay you the actual cash value of your car minus your deductible. See more about total losses in car insurance here.

Car Insurance Costs
Eligibility

How can I stay insurable with three accidents?

Sorry to hear about your situation. It's not easy to find competitive rates with that many at-fault accidents.

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.

General Insurance

What kind of insurance do you need if you'll be using your personal car for work?

If she plans on using a vehicle for business-use and transport people to and from different locations, most personal auto plans will not accept the risk if they know the vehicle was used for work purposes and not disclosed. She'll need to look into a commercial policy or, if available, adjust her current personal auto policy.

Eligibility

How do I get insurance if I'm not the owner of the car I'm driving?

Many companies will still insure you even if you're not the owner of the vehicle. However, they will likely want your father to be listed on your policy as an additional interest since he is the owner.

Renters Insurance

Does renters insurance include pet coverage?

Unless specifically stated, renters insurance extends liability coverage to your pet. This also applies to situations outside of your home.

General Insurance

How much car insurance coverage do I need and should I get umbrella insurance?

We generally recommend basing your liability needs on your assets. From the information you've given, I would say that maxing out your liability limits and getting an umbrella policy is probably a wise decision since you own your home and vehicles and have a high net worth.

Car Insurance Costs
General Insurance

As a co-borrower on a car loan, what happens if the insurance payments aren't made?

The policy would cancel if she doesn't pay the premiums. Legally speaking, this wouldn't have an effect on you if you're a non-driver.
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