Coverage & Claims
General Insurance

Insurance increase due to increased cost of parts and labor?

There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.

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Coverage & Claims

I got into an accident with my company's vehicle. Will this affect my personal auto insurance?

Any citations you are issued are a part of your personal driving record. However, unless you are planning to switch companies in the near future, it's unlikely your personal auto insurance company will find out about it.

General Insurance

If my Alabama registration tags expire, do I still have to carry insurance?

Alabama requires that registered vehicles must also be insured. If your registration tags expire and you want to renew them then you must have active auto insurance before the new tags will be issued.

Coverage & Claims
General Insurance

What do I do if I am hit by another driver and they refuse to provide me their insurance information?

Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally in the event that the police are called and a report is written the information of both drivers is documented, including insurance information.

Car Insurance Costs
Coverage & Claims

Will my rate go up if a police officer writes an accident report but I never file a claim?

Any time a police report is written after an accident, it gets listed on your motor vehicle report (MVR); impacting your rates with other insurance companies for at least 3 years from the date of the accident. Your current insurance company is unlikely to re-run your driving record since you're already a customer, but if you ever decide to leave for a new provider then the accident is likely to negatively impact your rate.

Insurance Companies

Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?

This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill.

Coverage & Claims

Should we go through our insurance to fix my brothers car?

You should check your insurance policy to see if that vehicle has collision coverage. If it does, your insurance company is very unlikely to deny the claim simply based on these details.

Coverage & Claims
Renters Insurance

What happens if your car gets broken into at home?

You would file a claim with your auto insurance company for the damaged window and anything stolen from inside the vehicle that was permanently attached like a cd player/head unit or navigation system. For anything stolen from your vehicle that were personal items, not permanently attached to your car, you would have to file a claim with your renters/homeowners insurance company.
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