General Insurance
Can a lender dictate what my deductible is?
Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.
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Most Recent
Coverage & Claims
I was driving and the car in front of me hit a deer and I ran over it. Why won't my insurance cover it under comprehensive?
Hitting an animal is almost always covered under comprehensive coverage. Unless something else had happened, I would seek additional assistance with this claim because they should not be denying it.
Coverage & Claims
My insurance company wants to deem my car totaled. Can this be disputed?
Typically, an insurance claims department will do whatever ends up the cheapest for them. Unfortunately, they will almost never negotiate the claim type or even how they pay out on it.
Coverage & Claims
Am I liable if I hit a tire in the road that also damaged the car behind me?
Sorry to hear about the accident. I can not officially determine fault, but by the information provided, I would expect you to be responsible for the damages caused.
Coverage & Claims
I have full coverage and a non-owner hit a deer. Will insurance cover the damage?
As long as the driver is covered by the policy — they don't necessarily need to be listed — insurance should cover the damage. Most policies would cover a driver, who does not reside with you, borrowing the car.
Coverage & Claims
Should I file a claim after hitting a tire in the road?
Thank you for the question. I would avoid filing a claim unless the damage is severe.
Coverage & Claims
How can I get points off my license?
Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.
Eligibility
My "totaled" car was barely damaged. Is it still possible to get full coverage on it?
Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.
General Insurance
How do I choose a car insurance deductible?
When it comes to selecting your deductible you have to know what you can afford, and if you could cover the claim or damages with a high deductible. If so, high deductible + good driving = a lot of savings but a lot of people can't fork over 1k-2k in the event of an accident.
Coverage & Claims
Is it considered an at-fault accident if I hit a tree?
This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision.
Car Insurance Costs
What's the average rate increase for a collision claim?
Sorry to hear about your accident. You shouldn't need to get a police report if you were at fault and will be filing as a collision claim.