Coverage & Claims

Lying about the primary driver on a car insurance policy wrong

It is considered illegal to lie about who the listed primary driver is and who actually drives the car most frequently. Depending on the situation, it can either be classified as a misdemeanor or a felony.
Jul 13, 2018 Detroit, MI

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Coverage & Claims

Should I get gap insurance or is full coverage enough?

Gap insurance is designed to work with your comprehensive and collision coverage, not as a substitute. Basically, gap insurance will kick in if you total your vehicle and the amount you paid out by your insurance company isn't enough to cover the value of the loan.
May 12, 2018 Detroit, MI

Coverage & Claims

How long will I be charged for an accident in Michigan?

For Michigan, you will be rated (i.e., charged) for 3 years for this type of claim. In Michigan, an at-fault accident will raise your premium by about 47% according to our 2017 state of insurance data.
Mar 5, 2018 Detroit, Michigan

General Insurance

I was rear-ended, will my insurance increase?

Because of the nature of Michigan's, each driver is responsible for damage to their vehicle so when you file a claim with your insurance company, your rate very well could increase. It will depend on their underwriting department.
Jan 17, 2018 Detroit, Michigan

Insurance Companies

What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?

While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
Mar 14, 2017 Detroit, MI
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