General Insurance

Can there be different deductibles for comprehensive and collision?

Some companies will allow you to have different deductible amounts for collision and comprehensive — and some people prefer to have a smaller deductible for comprehensive than collision. If you have any questions, feel free to ask.

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

Do I have to pay the deductible for the damages I caused while driving uninsured?

Sorry to hear about the accident. You are not responsible for their deductible, but you are responsible for all damages caused.

Coverage & Claims

My car was hit by a drunk driver that ran off. Why do I owe a deductible if my car was damaged in a hit and run?

Your insurer should not at all be listing you as the liable or at-fault party in a hit-and-run claim. I recommend contacting your insurance company to ensure they are filing the claim accurately. If you're using uninsured motorist coverage for this claim, you could be responsible for your deductible; but depending on the circumstances, this could be reimbursed back to you. If you have any questions, feel free to ask.

Car Insurance Costs

Can it be cheaper to have two cars on an auto policy instead of just one?

Thank you for your question. This actually happens quite often.

Coverage & Claims
Homeowners Insurance
Renters Insurance

How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.

Coverage & Claims

If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?

The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do.

General Insurance

Can a lender dictate what my deductible is?

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.

Coverage & Claims

Why is it fair that I have to pay the deductible when someone else hit my vehicle and ran?

Unless you had uninsured motorist coverage, paying the deductible to fix the vehicle is probably the only option in the event of a hit-and-run. So what your insurer is telling you sounds correct.

Coverage & Claims

Will comprehensive insurance cover damages caused by road debris?

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

Coverage & Claims

Do I still need uninsured motorist coverage if I have Medicare coverage?

You may still want to carry uninsured motorist coverage to avoid complications with medical bills if you are hit by an uninsured driver. It's good protection to have in place if your bills are high.

Coverage & Claims

Can I wait to file an auto insurance claim if it takes me a year to save up for the deductible?

Thanks for your question. In most cases, you can file a claim for up to two years after the loss.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question