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. However, I would recommend that you go ahead and start the process as soon as possible.

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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.

Eligibility

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

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

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. Here is what to expect when filing your claim.

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.

Homeowners Insurance

What is a landlord policy?

A landlord policy usually includes the same type of protection as your usual house insurance, such as cover for buildings and contents in the event of a range of circumstances.   As a landlord, you can buy additional coverage, such as rent guarantee insurance, natural disaster insurance, employer liability insurance and landlord contents insurance to cover your personal property items such as furnishings or carpet in the rental property. HO5 insurance policy is an open perils policy. This means the policy does not list the perils for which your home and personal property are covered; instead, it lists the perils your home and personal property does not cover.

Homeowners Insurance

Is it possible to get loss assessment coverage on a HO-3 policy?

Yes, you can add loss assessment coverage to your HO-3 policy. Not all companies will offer this type of coverage so you will need to contact several companies to get the best quote for this coverage with your HO-3policy.

General Insurance

How can my insurance company check for a lien if I'm in another state?

Your insurance company would not verify a lien. The insurance company would need to add a lienholder to the policy.
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