General Insurance

If an uninsured driver hits me with an insured car, will their insurance still cover the damages?

You should still file the claim. Unless the driver is excluded from the policy, the insurance company will still likely honor your claim against the insurance.
Dec 13, 2020 Spring, TX

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Coverage & Claims General Insurance

I have liability coverage only and I hit a highway median. Am I covered for any damages?

Liability insurance only covers damages you directly cause. It never covers your own property.
Dec 9, 2020 Fort Wayne, IN

Coverage & Claims

If my policy ended before they sent me a check for a totaled vehicle, do I still need to pay for another policy?

If you no longer have the vehicle and you don't intend on insuring a new vehicle with the same company, you should be able to back date cancel it to the day after the accident. Your best bet is to call your carrier’s customer service line and see what they can do for you.
Nov 24, 2020 Broomfield, CO

Car Insurance Costs

Should senior citizens carry collision insurance?

Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most cases.
Aug 23, 2020 Somerset, NJ

Coverage & Claims

Can you get in legal trouble if you hit a parking pole?

Whether or not you could get into hot water legally-speaking depends on a few factors: 1. Was there another party involved in the collision?
Dec 18, 2019 Cambridge, MD

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.
Oct 14, 2019 Lexington, SC

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.
Jul 9, 2019 Atlanta, GA

Coverage & Claims

Is a hit and run a comprehensive or collision claim?

It would be covered under collision coverage. Collision covers damages anytime the car collides with another object. Comprehensive coverage will cover other damages to the car that does not involve a collision such as, fire, theft, or vandalism.
Jan 12, 2019 Denver, CO

General Insurance

I have two vehicles, am I required by law to carry collision insurance on both vehicles?

Legally you are only required to have state minimum liability coverage on either of your cars. If you are financing either car, your finance company will most likely require you to have comprehensive and collision coverage on the car.
Oct 4, 2018 Yorktown, VA

Coverage & Claims

Should I file a claim for damage to my car caused by my husband?

There are a few things to consider. First, whether you file a claim or not, most insurance companies require you to report every accident.
Sep 19, 2018 Terry, MS

General Insurance Homeowners Insurance

Can I use my car insurance to damage to garage door?

Your car insurance would not cover the damage to the garage, only the damage to your vehicle if you have collision coverage. As for your second coverage, I would recommend paying for the damage out of pocket.
Aug 24, 2018 Orlando, FL
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