comprehensive

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.

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.

When it comes to selecting your deductible you have to know what you can afford, and if you could cover the claim or damages with a high deductible. If so, high deductible + good driving = a lot of savings but a lot of people can't fork over 1k-2k in the event of an accident.

This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision.

While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.

No, you would need to get a new policy since every policy needs to have the state minimum liability for Illinois and then you would be able to add comprehensive and collision coverage. Keep in mind, because of the age of the vehicle, there are some companies that will not add comprehensive and collision coverage. The Zebra can quote you with several different companies.

It depends. Some companies will not pay a claim until the policy has been in effect for 30 days.

It would be covered under collision coverage. Collision covers damages anytime the car collides with another object. Comprehensive coverage will cover other damages to the car that does not involve a collision, such as, fire, theft, or vandalism.

You need to report to the insurance company, that the car was recovered right away. The insurance should cover you for any damage that was caused, like having the keys stolen.