Coverage & Claims

How can I get points off my license?

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.

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Coverage & Claims

Is it considered an at-fault accident if I hit a tree?

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.

Coverage & Claims

Can I file a personal claim after a car accident if it's my fault?

If your husband does not have collision coverage, then he does not have coverage for an at-fault accident. Typically single vehicle accidents (including swerving to avoid a deer) is considered at fault.

Car Insurance Costs

Can we process a claim with insurance if we did not call the police?

Since the other driver is at fault in the accident, you will want to file a claim with his insurance company. They would be the ones that will pay for your damages. Here is more information on what to expect when you file a claim.

Coverage & Claims

Should I file a claim after hitting a deer with an old vehicle?

It really depends. In Arizona, a totaled vehicle is determined via a total loss formula.

Coverage & Claims

Does state farm require you have a police report to file a claim?

Most companies do not require you to have a police report to file a claim. Double check with State Farm to make sure but you shouldn't have any problems.

Eligibility

Failure to submit a breathalyzer's impact on car insurance rates?

This can be tricky to answer. In Maine, they have a law called Implied Consent.

Coverage & Claims

Should I file my second claim?

There's a couple of things to consider here. First, your first claim is considered a collision claim but your next claim would be considered a comprehensive claim.

Coverage & Claims

If my son hit a deer and crashed into a ditch, should I file a claim?

If your son hit a deer and that is what caused him to go into the ditch then the accident is likely to be considered a comprehensive claim rather than a collision. Comprehensive claims generally don't impact rates as severely, if at all, the way a collision claim would if he had hit another driver.

General Insurance

What coverage do I need if a deer runs into my car?

Animals cause all sorts of damage to vehicles, and not always because someone hits them with their car. Luckily, insurance companies don't discriminate over you hitting an animal or an animal hitting your car.
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