General Insurance

What is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?

The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.

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General Insurance

Do I need additional insurance if I pull a trailer belonging to a different business?

The owner of the trailer would need to add you to their policy if you will be pulling their trailer regularly. If you will not be pulling it regularly, you should be covered — but I recommend you check with your specific company for policy details to make sure. If you have any questions, don't hesitate to ask.

Coverage & Claims

Can an insurance company only cover the vehicle but not the driver?

An insurance company can deny a claim if the guilty party was not in compliance with the rules set by their insurance plan. This does not, however, mean the guilty party is off the hook.

Coverage & Claims

Does an accident appear on an MVR without a police report?

Typically, if the police are not involved, the accident will not show up on your motor vehicle report (MVR). However, the accident may show up as an at-fault accident on the CLUE report which is the report that pulls and verifies prior insurance claims.

Eligibility

How long can insurance companies hold DUI against you in Kansas?

The lookback for DUI is 10 years in Kansas. The other thing your husband would need to think about is if his job requires him to drive. As that would be a commercial policy, his DUI can be weighted more heavily than another job.

Coverage & Claims

Who pays for damage I caused while using a company vehicle on company time

Unfortunately, fault can only be determined by claims adjuster personally assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at-fault then the company's insurance would take cover the damages.

Car Insurance Costs
General Insurance

Commercial car insurance: how does it work?

That is a tricky situation. Based on what you said, it sounds like the other company would need to have a commercial policy that covers the drivers using their vehicles.

General Insurance

Can I drive an insured vehicle if I don't have insurance myself

Yes. Using the information you provided, it definitely sounds like you could be considered a covered driver.

General Insurance

Do I need a commercial or personal policy?

I would contact your current insurance and see what they say about coverage for this type of use. It's likely they will mark your policy as a "business use" under a personal policy.

General Insurance

Is this insurance fraud?

Yes, that is fraud. An insurance company needs to know what kind of risk it is being exposed to in order to accurately price the policy.

Eligibility
General Insurance

Do I need a commercial or personal auto policy?

As long as you're not transferring people or goods, your type of policy would qualify as "business use," which means you do use your vehicle in the course of your day but not for commercial use. Just call your insurance company and let them know.
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