Coverage & Claims

Should I file a claim with their insurance company or mine?

In this case, if they opened a claim on their own insurance they are likely admitting fault. I would also open a claim against their insurance.

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Coverage & Claims

My car was a total loss. Will the other insurance send the money to my lienholder?

Sorry to hear about your situation. I would check with your gap coverage provider.

Homeowners Insurance

Can I keep the contents of my house after insurance paid out for them?

Your insurance company is likely going to pay for debris removal. Removing certain things while doing so may come with additional cost and typically insurance is not going to allow that.

Car Insurance Costs
Coverage & Claims

How can an insurance company add an accident to your record that never happened?

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim.

Coverage & Claims

If the driver is not licensed, does it affect their ability to file a claim?

Most insurance companies do have access to a driver's background when they quote and insure them. Not having a driver's license is usually an issue for insurers but it's not impossible to find insurance for an unlicensed driver, and that seems to be the case in this situation.

Coverage & Claims

In the past five years, we have had four claims. I recently had an accident in my garage where I hit my own car. Should I file a claim?

Given your claims history, I would pay for the damages to both vehicles out-of-pocket. You are correct that having any more claims added will likely make it very difficult to find coverage — not to mention when you do, it's going to cost even more than your current bills.

Homeowners Insurance

Will I still be able to get insurance if I have made three home insurance claims?

Previous claims can affect your ability to get homeowners insurance. Particularly, it will affect your rates.

Car Insurance Costs
Coverage & Claims

Can I sell a car if a windshield replacement claim hasn't been completed yet?

Thanks for the question. I would not sell the vehicle while the claim is still open.

Coverage & Claims

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

Coverage & Claims

What do I do if a person hit me from the back and now is claiming to their insurance that I hit them?

Sorry to hear about your situation. From what I can gather, it appears that she hit the rear of your car while you were waiting at the gate of your apartment complex.

Coverage & Claims

Does my dad have to file a claim if I totaled his car?

Yes. Your father will need to file an insurance claim unless he plans to pay out of pocket for the damages to the other vehicles and not be compensated for his vehicle.
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