Car Insurance Costs

I canceled my insurance after two weeks. Am I owed a refund?

You should be able to get your payment back, providing that you check with your insurance company to see if there are any fee disclosures. I would contact them and see what they can do to rectify the situation. If you have any questions, don't hesitate to ask.

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Car Insurance Costs

I canceled my insurance after two weeks. Am I owed a refund?

You should be able to get your payment back, providing that you check with your insurance company to see if there are any fee disclosures. I would contact them and see what they can do to rectify the situation. If you have any questions, don't hesitate to ask.

Coverage & Claims

Someone hit me while pumping gas and I only have the license plate. What do I do next?

The damage from the hit-and-run would be covered if you have UMPD (uninsured motorist property damage). In California, you need to file a police report for the accident to be deemed a hit-and-run in most cases.

Homeowners Insurance

What kind of insurance do I need for a short term rental property?

Thanks for your question. It sounds like you would want a standard HO-3 homeowners policy that would allow for short term rentals.

Eligibility

If I'm Canadian, can I purchase a 4-month temporary car insurance policy in California?

Thank you for the question. It's likely that you'll be able to get coverage in California with a foreign license.

Coverage & Claims

Am I liable if I hit a tire in the road that also damaged the car behind me?

Sorry to hear about the accident. I can not officially determine fault, but by the information provided, I would expect you to be responsible for the damages caused.

Coverage & Claims

Do I still need uninsured motorist coverage if I have Medicare coverage?

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high.

Car Insurance Costs
General Insurance

DMV shows my license being suspended for 3 months because paperwork was submitted late. My insurance has skyrocketed, how can I correct this?

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

Car Insurance Costs

Will my girlfriend's bad driving record follow me to another car insurance company?

Sorry to hear about the situation. It is possible for claims to follow you elsewhere.

Eligibility

How do I get temporary insurance for an RV if I have a foreign license?

As a foreign driver, you can get insurance pretty easily in most cases. However, it makes it a little bit trickier because it's RV insurance that you need.

Renters Insurance

Does the unit I want to rent need to be a legally registered residence in order for me to get renters insurance coverage?

Most likely, an insurance company is going to want the address to be verifiable before they offer coverage. If the unit doesn't have an address, you should list the main residence's address on your renters insurance and the same rules would likely apply.
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