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Coverage & Claims

Will my insurance company pay for damage that I caused if my policy is cancelled?

If your policy was active at the time of the accident then they should still provide coverage for the damage. You can contact your insurance company or just wait for the person who owns the damaged property to contact your insurance company for repairs.

Driving History

Should I file a claim with my insurance if the other driver was entirely at fault?

You can file a claim with your insurance company, but you may have to pay your deductible up front. Then your company will reimburse your deductible after they have completed subrogation with other driver's insurance company.

Coverage & Claims

Who is at fault in a multi car rear end accident

In a multi-car crash, fault is extremely difficult to determine so I can't tell you with any certainty if you will be held responsible for any damage. I will say that fault can be spread to multiple drivers in these situations (called comparative fault or negligence), but ultimately, fault will have to be determined by the insurance adjuster(s) handling the claim.

Coverage & Claims

Should I file a claim or pay out of pocket?

Our new State of Insurance data release shows that an At-Fault accident in Colorado will increase rates by roughly 38% annually. Also consider the fact that accidents affect your rate for three years from the date of the occurrence.

Coverage & Claims

Does car insurance follow the car or the driver?

The rule of thumb is that the insurance coverage on the vehicle you are driving is primary in the event of an accident. Since you will be borrowing a vehicle, your car insurance would provide secondary coverage in the event that you are involved in an accident.

Coverage & Claims

What is full coverage car insurance?

Full coverage is a broad term most people use to describe an auto insurance policy that includes comprehensive and collision coverage. Full coverage means different things to different people because it's not an actual insurance term and, therefore, does not specify individual coverage like roadside assistance or rental car reimbursement.
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