Eligibility

Can I still get insurance if I just found out that my car has structural damage?

Sorry to hear about your accident and the resulting damages. This is a tricky situation.

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Coverage & Claims

Was I right to file a claim with my insurance when I was not at fault? Will my premiums go up?

Sorry to hear about the accident. I do think you made the right decision in filing a claim for your damages.

Coverage & Claims

My car got damaged by a hit and run vehicle that was be driven by a family member. Who pays for the damage?

This can be a tricky situation. If there is a police report and proof the vehicle was stolen, usually your claim will not be covered by the owner of the vehicle's insurance.

Coverage & Claims

If a mechanic started my car on fire and caused damage, should I alert my insurance company?

I'm sorry to hear about your accident. There are a couple of things to think about here.

Coverage & Claims

Do I still have to pay a deductible for a hit and run incident?

In the case of a hit-and-run, if you filed a police report and have uninsured motorist coverage, this could be used to cover the damages. This is additional coverage that must already be on your policy.

Coverage & Claims

I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?

I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as).

Coverage & Claims

What happens if the repo guy damaged my car?

I'm sorry for the difficult situation. If the towing company damaged your vehicle, then they would be responsible for paying for the damage.

Coverage & Claims

Could my parents' premium increase if I reported an accident to the insurance company but decided to repair the car out of pocket?

The claim can still show up on your insurance report but it would show that $0.00 was paid on the claim. Having said that, it can still impact your rate for up to five years.

Coverage & Claims

I was rear ended but I’m an excluded driver of the vehicle, will the damages be covered?

Typically when you're rear-ended, the other driver is at-fault. If they are found at-fault and they have insurance, their insurance company should pay for the damages and you being an excluded driver would not matter.

Car Insurance Costs
Coverage & Claims

If I backed into a pole in a parking lot, do I need a police report to file a claim?

Firstly, a police report is not always necessary to file a claim, especially for incidents that only involve one vehicle. As for your second question, should you file a claim, the choice will ultimately be up to you.

Coverage & Claims

If my car was damaged in a car wash, who pays for the repair?

The answer to your question will depend completely on the specifics of how the damage occurred. The gas station will pay for the damage if: If your vehicle was not moving and the brushes or moving parts of the car wash damaged your vehicle then the liability would be on the owner of the wash. You will have to file a claim if: If you were in control of your vehicle when the damage occurred - for instance, you drove your car into something in the process of washing the vehicle Either way, you can contact your car insurance company to begin the claims process.
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