Coverage & Claims

Do I have to disclose a claim on quotes that was handled under another party's insurance?

If the other party handled this claim on their insurance because you were not at fault, the claim should not affect your insurance rates or quotes going forward. If you decide to proceed with an application and do not disclose this claim, the insurance company’s underwriting department may find this regardless of whether you told them or not.
Jul 11, 2021 Georgetown, TX

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Coverage & Claims

Can I remove my deceased husband from my claims history?

Unfortunately, you won’t be able to remove him from the history of the policy, but if you are getting new quotes, it would be best to obtain proof that the claim was not in your name. Most insurance agents will be able to dispute a claim if they are provided said proof at the point of sale. 
Jan 6, 2021 Lawrenceville, PA

Coverage & Claims

Who files a claim if each party in the relationship has their own auto policy?

You will want to use your boyfriend's insurance to cover this claim. He would need to have full coverage for the vehicle to be fixed.
Jan 5, 2021 Union, NH

Coverage & Claims

A car sideswiped me and then filed a claim against my insurance. Is this legal?

Sorry to hear about the situation. In general, your insurance company does not want to pay out on claims, especially if there is any hint of fraud.
Dec 17, 2020 Anaheim, CA

Coverage & Claims

I backed a company van into my own car and was told that I have to use my personal insurance. Is this true?

Not being a claims adjuster, I can't say exactly how this situation should play out. However, their assessment seems fair since it was your fault and your vehicle was damaged.
Dec 16, 2020 Center Conway, NH

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

Can someone file a claim after I paid what the body shop quoted him?

Sorry to hear about your situation. If you paid for all damages and signed off that the repairs were completed, I don't see how this person could legitimately file a claim against you.
Nov 2, 2020 Waddell, AZ

Coverage & Claims

I made two claims last year. Should I file a third?

If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Jun 26, 2020 Reading, PA

Coverage & Claims

If I damaged another person's car but they waited to file a claim and I no longer have the car insurance policy, do I have to pay them?

You do not have to pay them if you had insurance at the time of the accident. They would need to contact the insurance company you had at the time, provide them with your policy information, and start the process.
Jun 21, 2020 Chicago, IL

Coverage & Claims

Can I still file an injury claim separate from a vehicle damage claim?

You are correct. Some injuries may take a while to become apparent. If you are still within the statute of limitations — and the injury was a direct result of the accident — you can reopen the claim to receive payment. 
Jun 18, 2020 Phoenix, AZ

Coverage & Claims

Do I need a police report to file an uninsured motorist claim?

For uninsured motorist claims, it's likely that your insurer would want a police report of the incident. What I don't know would be if it would be possible to still get a police report and redo the claim.
May 26, 2020 Memphis, TN
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