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.

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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.

Coverage & Claims

Do I have to pay a deductible if I hit someone but my vehicle is not damaged?

You only have to pay a deductible when your collision or comprehensive coverage pays for damages to your vehicle after filing a claim, so no, you will not need to pay a deductible in this case. I also recommend reading this article regarding claims to see how this will impact your rate.

Car Insurance Costs
Coverage & Claims

My son does not have insurance and has had an accident

This can be tricky because it will depend on how your policy is written. I would look at the details of your car insurance policy and see if "permissive users" and "permitted drivers" are covered.

Coverage & Claims

Garage doors damaged

Only file a claim if the damages are so bad that you couldn't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at fault accident on your record for 3 years.

Coverage & Claims
Insurance Companies

I paid out of pocket after an accident.

Since you paid out of pocket, there's no point in reporting the car accident yourself. It gets a little trickier when you consider the other party: they could still file a claim against you and you would get stuck with an accident on your records.

Coverage & Claims

Do I have to report an accident I wasn't at-fault for?

If you have a loan or lease on your vehicle, it's probably stated within your agreement to use the funds they sent you to get your vehicle fixed. Even if you don't, if you plan to resell the vehicle, it's probably within your best interest in fix the vehicle.

Eligibility

My daughter got into an accident using my vehicle, will my insurance pay for the damages she caused?

Normally the liability coverage on your policy should pay for damage caused to another driver, even if your daughter wasn't currently listed on your policy. However, some insurance companies require anyone who lives in the household be listed on the policy - either included or excluded in order for them to properly determine the risk.
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