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.

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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?

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

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.

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.

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.

Coverage & Claims

How can I get coverage after hit and run?

If you have collision coverage, your car will still be covered. You will be responsible for the deductible.

Coverage & Claims

Can I file a personal claim after a car accident if it's my fault?

If your husband does not have collision coverage, then he does not have coverage for an at-fault accident. Typically single vehicle accidents (including swerving to avoid a deer) is considered at fault.

Coverage & Claims

Is this a collision or comprehensive claim?

Since you caused damage to property, you will need to report the damages to your insurance company as soon as possible. This claim would be paid out through the property damage liability coverage.

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.

Coverage & Claims

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

There are a few things involved here. First, whether you file a claim or not, most insurance companies require you to report every accident.
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