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Coverage & Claims

Am I at fault if I swerve to avoid my neighbor's cat but hit his car?

In this instance, you will likely be held liable for the accident. Although you want to use your best judgment when it comes to avoiding an animal, in most cases, if an accident/collision occurs by you trying to avoid hitting an animal, you are responsible for the damages.

Coverage & Claims

If I hit a rental car, can I pay the damages out of pocket?

In this particular instance, it really depends on how the rental car company wants to handle the situation. I would recommend contacting the rental company to see what options you have.

General Insurance

Why am I being asked for my personal information for a car insurance quote?

According to our data, the average cost of minimum liability car insurance in California is $573 per year. Below are some additional coverage options you can consider: State Minimum — Liability Only $573 State Minimum — $1,000 Comprehensive/Collision $1,297 State Minimum — $500 Comprehensive/Collision $1,481   That said, this is based on a 30-year-old male driver with no accidents or violations and good credit.

Coverage & Claims

If I pay the other driver's insurance, will it impact my driving record?

Since the car insurance companies are involved it is highly likely that it will be listed on your CLUE report and impact your insurance premium. You should contact your insurance company and let them handle the claim since it will likely be reported either way.

Coverage & Claims
Eligibility

Can my husband be liable for his ex-wife's uninsured vehicle?

In this situation, yes - your husband and his ex can be held liable for the damage. It's important to note that liability insurance follows the driver, not the car.

Coverage & Claims
Eligibility

Can I use my roadside assistance if I'm in my friends car?

When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in.

Car Insurance Costs

Do I have to add a vehicle to policy immediately after buying?

You can get the insurance either before or when you are at the dealership. I recommend doing the following: Shop around and get quotes for the make/model you want.

Coverage & Claims

How does a DUI affect my claim?

You definitely need to tell your insurance company exactly what happened. Depending on the specifics of the situation, some companies will not cover accidents caused by driving under the influence.

Coverage & Claims

Is there roadside assistance options for my house?

This can depend. AAA does provide home locksmith options if you're a premier member up to $100.

Eligibility

Can I drive off the lot with just an SR22 in California?

No, you need to have comprehensive and collision coverage to drive off the lot if you are financing the car. Comprehensive and collision coverage protects physical damage to the car.
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