Coverage & Claims

Can an insurer make me file multiple claims for a single accident?

Sorry to hear about your accident. Every company is going to have its own rules and regulations, so this is going to be up to them ultimately.
Jul 21, 2021 San Francisco, CA

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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.
Jul 13, 2021 Danville, CA

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.
Jul 12, 2021 Indian Wells, CA

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.
Jan 17, 2021 Chatsworth, CA

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.
Dec 27, 2020 Ventura, CA

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.
Dec 17, 2020 Anaheim, CA

Coverage & Claims General Insurance

Will gap insurance cover a totaled vehicle?

Likely your gap insurance would not cover the difference if you take the lower payout. Most gap plans are written in a way that requires you to take the totalled vehicle payoff and apply it to the loan first.
Dec 6, 2020 Ceres, CA

Driving History

Does my boyfriend have the right to know about the 3 points against me?

Once you or the policyholder provides your driver’s license information to the agent, the agent will run the proper reports which will include driver history and points incurred within the last 5 years. It is assumed that once personal information like a driver's license is given and reports are run, the agent has the right to talk to the policyholder about what is found. 
Nov 29, 2020 Santa Paula, CA

General Insurance

Can I get my scooter covered through The Zebra?

We can certainly help you get your scooter insured. Give one of our licensed agents a call at 888-444-8949 to go over quotes and find the right fit.
Nov 23, 2020 Sebastopol, CA

Coverage & Claims

If I sell my totaled car before an insurance adjuster sees it, will I still be compensated for the claim?

It is best to wait and confirm whether the at-fault party has insurance or not. If they do, the insurance adjuster can take a look at your vehicle and collect the necessary data to move forward in the claim process.
Nov 9, 2020 San Francisco, CA


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.
Nov 5, 2020 Santa Cruz, CA
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