Coverage & Claims

Do I have to use the repair shop my insurance company recommends?

No, you do not have to use the garage or body shop your insurer recommends. In fact, many states have laws on the books specifically stating that an insurer cannot require you to use a certain shop.
Oct 11, 2021 Las Vegas, NV

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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

Coverage & Claims General Insurance

Will commercial car insurance cover my personal use?

You will need to check the exact terms of the policy when it is written, but most commercial plans will cover personal use in addition. 
Jan 11, 2021 Akron, OH

Car Insurance Costs General Insurance

My husband and I want to co-own or lease a vehicle with a friend, and we both have teen drivers. How would insurance work?

This is a unique situation, but one that you can still work around. If you finance or lease the vehicle, you will need to use the same address for the vehicle and the insurance policy.
Dec 28, 2020 San Francisco, CA

Car Insurance Costs

Does the length of time you've owned your car affect car insurance quotes?

It can come into play for some companies. It is usually a very small rating factor if they look at this.
Dec 14, 2020 Las Vegas, NV

General Insurance

I have to move my car from New York to Ohio; can I get insurance with temporary tags and a New York license for the journey?

You should have no problem getting insurance for Ohio with these circumstances. Having an Ohio license would likely help, but is definitely not a requirement to find a company that will insure you.
Nov 25, 2020 Cleveland, OH

Coverage & Claims

I just recently lowered my coverage deductible from $2000 to $250. When does that change go into effect?

Unless otherwise requested, changes on insurance policies go into effect right away. As long as you requested the change sometime before you began your trip, the deductible change is in effect as soon as you request it from your insurance company.
Nov 22, 2020 Victoria, TX

Coverage & Claims

Does my personal auto policy cover a company construction vehicle?

Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy.
Nov 9, 2020 Canton, OH

Car Insurance Costs Insurance Companies

What are the best car insurance companies for drivers over age 65?

Drivers over the age of 60 are often seen as responsible drivers by insurance companies. Because of this, they often pay $683 less per year than the average driver for car insurance.
Nov 9, 2020 Philadelphia, PA

General Insurance

Can insurance be force-placed if we did not have coverage on the new vehicle for three months last year?

Yes, many lenders have this written into their agreements and you will get charged for any time not insured. In most cases, they will force-place insurance on the vehicle of their own and charge you for it unless you can provide proof that you were insured during those months.
Jun 29, 2020 Billings, MT

General Insurance

I signed up for a new insurance policy, but why doesn't the quote doesn't match the policy I signed up for?

The first thing you'll want to do is to check your policy's declaration page to see the exact coverage that you currently have. This may be a physical document or, if your insurer has an app, could be electronic. If you find that your coverage is insufficient, you should start shopping for a new policy or look to add coverage from your current insurer.
May 27, 2020 Vancouver, WA
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