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.

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Car Insurance Costs

Am I being overcharged for my policy?

Many companies require that if you are married and live with your spouse, you must list them on your policy as a driver, whether they drive your vehicle or not. Since your wife is not licensed, I would suggest shopping around for a policy with a company that does not require that spouses be listed.

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.

General Insurance

Do I have to list my spouse on my policy even if we are separated?

Depending on the state you live in, some carriers will ask that you list a legal spouse on the policy, even if you are separated. Others will allow you to exclude a spouse from your policy completely.

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.

General Insurance

It’s my first time getting my own insurance policy after being covered under my parents’. What do I do?

If you were listed as a driver under your parents’ policy, you would be considered covered by insurance for however long you were on their policy. Be sure to shop around for your new policy before your parents remove you from theirs to avoid a lapse in coverage.

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.

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.

General Insurance

What kind of insurance do you need if you'll be using your personal car for work?

If she plans on using a vehicle for business-use and transport people to and from different locations, most personal auto plans will not accept the risk if they know the vehicle was used for work purposes and not disclosed. She'll need to look into a commercial policy or, if available, adjust her current personal auto policy.

Eligibility

My car was bought in Mexico but the title is from Nevada. Can I bring it back to the U.S. and get it insured?

Thanks for the question. If the title is originally from Nevada you should have no issues getting insurance and registration in the U.S.

Car Insurance Costs

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.
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