Coverage & Claims

What can I do if I was in a not-at-fault car accident without insurance?

Sorry to hear about your accident. Regardless of whether you had insurance or not at the time of the accident, the at-fault party must pay for the damages.

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Eligibility

Can someone with a French driver's license obtain car insurance in California?

Absolutely, you can get insurance with non-US licenses. Many of the big-name insurance companies won't offer this kind of service, but we can help.

General Insurance

We will be purchasing our first car shortly before moving from WI to CA. How should we navigate car insurance?

Every state has separate laws, insurance plans, and registrations, but you shouldn't have an issue buying a vehicle in one state and moving to another state. If at all possible, I would wait and buy the vehicle in California — this way, you would only pay all the fees once.

Car Insurance Costs

Do vehicles that have the IIHS's "Top Safety Pick Plus" award get discounted auto insurance or any other benefits?

Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.

Car Insurance Costs

What could be the reason State Farm increased my premium?

Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.

Eligibility

My car is garaged in Tijuana. What insurance company will insure me for California only?

I'm sorry but since your car is garaged in Mexico, you will not be able to get insurance in California. Your insurance has to be in the state where the vehicle is registered.

General Insurance

If I'm already added to someone's car insurance but I need an SR-22, how would I do that?

To get an SR-22, you just need to have it added to the current policy that you are on. You should contact the insurance company and inquire about what their specific process is.

Coverage & Claims

My car was stolen and taken to Mexico. Can I just get a payout instead of getting the car back?

Hello, Sorry to hear about your situation. Unfortunately, I don't know if I can give much advice, as this is a claims-related question.

General Insurance

I have a car in my name but my sister drives it. What do we do about insurance?

If your sister is the policyholder, you will have to have her call her insurance company to access the policy information. Since the car is registered in your name, the insurance either needs to be in your name or you need to be listed on her policy as an additional interest.

Condo Insurance

How do I find a reputable insurance company to cover my condo?

The Zebra's guide to condo insurance lists some of the top insurance companies that offer HO-6 policies. Feel free to give our agency a call at 888-807-3823 and we'd be happy to assist.

General Insurance

Does auto insurance charge you based on assumption of travel?

Insurance companies will ask you approximately how many miles you drive but it is not a rating factor for premiums except in the state of California. California rates on mileage because they see it as a determining factor in how likely you are to get into an accident.
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