General Insurance

If I buy a car from someone who has let their insurance lapse am I responsible for paying for their insurance lapse at all? Or am I responsible for their penalty?

If you are buying a vehicle then you are not required to cover past lapses. You are required to get your own plan upon taking possession. 
Dec 15, 2020 New Bern, NC

Compare auto insurance rates and save up to $670 per year!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
Most Recent

Coverage & Claims

Can I add coverage after hitting a deer?

This is actually considered insurance fraud. You can get in serious trouble if you are found claiming an event that occurred prior to you having coverage.   
Dec 10, 2020 Toledo, OH

Motorcycle Insurance

My policy was never updated when I moved and I didn't realize. My motorcycle was stolen, do I have any coverage?

I would open up the claim with the insurance and see what they say. Likely if you haven't been moved for a long time they will still honor the claim.
Dec 7, 2020 Charlotte, VA

Coverage & Claims

I just recently lowered my coverage deductible from $2000 to $250. When does that change go into effect?

Unless otherwise requested, changes on insurance policies go into effect right away. As long as you requested the change sometime before you began your trip, the deductible change is in effect as soon as you request it from your insurance company.
Nov 22, 2020 Victoria, TX

Coverage & Claims Homeowners Insurance

Should I file a claim to have a tree removed but not have the damage to the covered structure repaired?

Typically, an insurer would prefer to handle any and all damage incurred as to avoid any unnecessary future risks of property damage or bodily injury caused by the damaged structure. This is a claims-related question that would be uniquely handled by the claims department of your insurance provider.
Nov 17, 2020 Albany, NY

Coverage & Claims

Does my personal auto policy cover a company construction vehicle?

Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy.
Nov 9, 2020 Canton, OH

Coverage & Claims Eligibility

If I give my daughter in Texas my car, does she need full coverage or liability?

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.
Jun 24, 2020 Dallas, TX

Coverage & Claims

Will insurance cover damage to the computer of a leased car?

I'm sorry to hear about the situation. Unless the damages were the result of vandalism or an accident, your insurance company will not get involved in the issue.
Jun 23, 2020 Ilion, NY

Coverage & Claims

What are the coverage limits on comprehensive and collision?

Thanks for the question! This is because the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually pay is the actual cash value of the vehicle unless stated otherwise. 
Jun 3, 2020 Omaha, NE

Coverage & Claims

I own my car but it's still insured under my dad. Will his insurance cover my accident?

I would reach out to your dad's insurance provider to see if you can be covered. They may be willing to cover the accident since the policy is still active.
May 14, 2020 Denver, CO

General Insurance

How much car insurance coverage do I need and should I get umbrella insurance?

We generally recommend basing your liability needs on your assets. From the information you've given, I would say that maxing out your liability limits and getting an umbrella policy is probably a wise decision since you own your home and vehicles and have a high net worth.
Feb 11, 2020 Long Beach, CA
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question