Detroit

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.

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.

Although you are retired, you are still required to carry the state's minimum insurance limits - which include PIP coverage. Because Michigan is a no-fault state, your occupation status unfortunately does not matter here.

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.

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.

It really will depend on what you mean by "car loan" insurance. If your finance company added comprehensive and collision coverage to your monthly car payment because your insurance policy canceled then you'll likely be covered only for the remaining amount on your loan.

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with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.