General Insurance

I live with mom and we have an umbrella policy and a car insurance policy. I want to switch companies but mom says I can't.

When it comes to having an umbrella policy, anyone is able to purchase one. However, there are certain qualifications you are going to need in order to purchase one.

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General Insurance

I don’t like the idea of getting car insurance from a company I’ve never heard of.

​Here at The Zebra we work with many different insurance carriers depending on your state. Not only do we work with carriers that are lesser known, but also some of the bigger name companies such as Progressive, Safe Auto and Travelers.

Driving History

I got a reckless driving charge in Indiana. Now I have a California driver's license. Do I have to report the reckless driving charge to California car insurance?

It depends on the exact rules for California and laws do vary state to state, but for the most part if your license is valid and you transfer to a new state insurance companies won't see prior activity. They will run an MVR for CA and only show info that is on that license.

RV Insurance

If I buy an RV, can I insure my adult children and their spouses to drive it? They do not live in my home.

Yes, you can list drivers on your policy that do not share your address. For drivers who will be behind the wheel frequently, I would list them by name on your RV insurance policy.

Coverage & Claims

A car sideswiped me and then filed a claim against my insurance. Is this legal?

Sorry to hear about the situation. In general, your insurance company does not want to pay out on claims, especially if there is any hint of fraud.

Eligibility

Will full coverage apply if my son's girlfriend wrecked my car?

Sorry to hear about your situation. It will be up to your insurance carrier.

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.

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.
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