comprehensive

Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.

Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.

Hitting an animal is almost always covered under comprehensive coverage. Unless something else had happened, I would seek additional assistance with this claim because they should not be denying it.

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report. If you have comprehensive and collision, you should be able to get your car fixed.

A comprehensive claim can affect your insurance rating. However, most carriers are alright with allowing one such claim per three year period.

Hello, Unfortunately, there is no way to instantly remove demerit points from your license since there was a collision. In a case where an animal is involved, insurers typically rule it to be safer to hit the animal than to swerve trying to miss it.