Eligibility

How do I get insurance for making deliveries if I'm borrowing a car?

A non-owners insurance policy provides liability coverage for drivers who don't own a car. However, if the vehicles aren't insured and registered by your mother-in-law, you are still not going to be legal on Colorado roads. As for making deliveries, you will need a personal policy that also covers your business-use.

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General Insurance

If my vehicles are all insured, can I get uninsured motorist coverage on just one car?

Uninsured and underinsured bodily injury coverage is a policy-wide coverage. If you add it to one vehicle, it will be on all of them.

General Insurance

If the repair costs more than the car without an accident, will it still get totaled?

Your insurance company will never get involved in helping you repair your vehicle if there was no accident or other loss that caused the damage. Since there was no accident, you are on the hook for paying for your vehicle's repairs.

Eligibility

What are my options if I need SR-22 insurance in Colorado but don't own a car?

I wish there was an easy answer, but I would suggest discussing it with an agent. It is true if you have access to a vehicle most companies will be hesitant to give a non-owner plan.

Coverage & Claims

Can I wait to file an auto insurance claim if it takes me a year to save up for the deductible?

Thanks for your question. In most cases, you can file a claim for up to two years after the loss.

General Insurance

Do I have to keep car insurance if I don't have a vehicle or title?

You do not have to have insurance if you do not own or are driving a car. However, having a lapse in insurance will cause your rates to be higher once you do start a new policy.

Eligibility

Can a foreigner get a short term car insurance when renting a vehicle from a private person?

Hello, Getting car insurance can be quite complicated for foreign drivers, especially with short-term car rentals. Since you are renting the car from your host I assume that you will be living at their address.

General Insurance

How do I decide if I my mother is fit to drive?

Hello, This is a common problem with many drivers of advancing age. It's really impossible for anyone other than your mother's doctors to determine her ability to get behind the wheel.

General Insurance

Do insurance companies run a soft or hard credit check?

Insurance companies run a soft credit check when they run your credit. We can quote you with several carriers at The Zebra. Good luck and if you have any questions, don't hesitate to ask.

Coverage & Claims

Do I need to inform my insurance or can I just call at-fault party's insurance?

Most insurance companies require you to inform them anytime there is an accident. Typically when someone backs into you, their insurance will pay for the damages.

General Insurance

How do I correct my MVR?

To dispute your Motor Vehicle Report (MVR) you will need to contact the Department of Motor Vehicles. The MVR comes from Colorado's state records of violations.
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