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If I bought a car and the previous owner still has insurance on it, will I be able to insure the vehicle on my own policy?

Yes, you should insure the vehicle as soon as you take possession of it. You don't have to wait for the policy of the previous owner to cancel, nor should you.
Feb 17, 2017 Arcadia, FL

Coverage & Claims

If my friend damaged my car while repairing it, will my insurance cover it?

Your friend is ultimately liable for the damage that he caused to your vehicle. It is possible that your insurance company will cover the repair, assuming you have comprehensive and collision coverage on your policy, but they will go after your friend to recover what they paid for the claim.
Feb 16, 2017 Texas City, TX

Coverage & Claims

If I'm involved in an accident driving my grandmother's car, will the damage be covered?

Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At-Fault accident.
Jan 24, 2017 Buffalo, NY

Coverage & Claims

Will my insurance company cover my vehicle if my cousin was driving my car?

Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
Dec 21, 2016 Guttenberg, IA


Can I be denied certain coverage because of my credit score?

I couldn't tell you with any certainty whether or not that is the case since I don't work for that company, but it's certainly possible since each company has their own set of underwriting requirements. Either way, I can imagine that you aren't satisfied by their response, and with good reason.
Dec 15, 2016 Yadkinville, NC

Coverage & Claims

Will my insurance policy cover mechanical breakdown?

Your insurance policy isn't a warranty so it's not likely to cover normal wear and tear or breakdowns. You can always cancel the policy if you don't plan to get another vehicle for a while, but you will lose your prior insurance discount so I wouldn't recommend it if you will be getting a new vehicle in the near future.
Dec 10, 2016 Pensacola, FL

General Insurance

What is the difference between liability vs uninsured motorist vs comprehensive coverage?

Liability is required by your state to legally drive on the road. Uninsured motorist coverage covers you and your passengers' medical bills if you are hit by another driver that does not have insurance.
Dec 5, 2016 Santa Ana, CA

General Insurance

Is my teenager covered to drive my vehicle if he is not listed on my policy?

If your son is driving your vehicle on a regular basis then he absolutely needs to be covered as a driver. Avoiding a premium increase by not listing people who drive your vehicle regularly is fraudulent and could result in some extremely negative outcomes especially if that person is involved in an accident behind the wheel of your car; namely, a denied claim and a huge repair bill.
Nov 16, 2016 East Norwich, NY

Coverage & Claims

If I am hit by an uninsured driver in Florida, will my insurance company pay to fix my car?

Uninsured Motorist coverage in Florida only applies to bodily injury that you and your passengers may suffer after being hit by an uninsured driver. Since that coverage only applies to injuries then your policy would have to include collision coverage to receive any payout for damage caused to your car by an uninsured driver.
Nov 7, 2016 Tampa, FL

General Insurance

If I'm involved in a wreck while test driving a car, will my insurance cover the damage?

When test driving a car from a private seller, the liability portion of your policy is what pays for damage you cause to someone else while driving so the fact that you don't have collision coverage won't keep the vehicle you hit from being repaired. As for the vehicle you were actually driving, you may have to file a claim with the car owner's insurance company since your policy does not include collision.
Oct 5, 2016 Kingston, MA
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