General Insurance

Is it possible to have long term car insurance with a foreign license?

Yes, you can get longterm car insurance with a foreign driver's license. You may need to look offline, however, and look for an insurance agent or you can call us at 888-444-8949.

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General Insurance

If I move to Florida from Virginia for college, would I have to change my plates and get Florida auto insurance?

Florida law states that if you are in the state for over six months of the year, you need to register and tag the vehicle there. To do so, you will require PIP (as Florida is a no-fault state) and liability insurance.

General Insurance

I don't have a Florida driver's license but would like to be able to drive my husband's car. What insurance does he need?

I would first check to see if his current insurance policy will support you being added as a driver. If not, you may need to get a separate policy that allows you to have a foreign driver's license.

Coverage & Claims

If I backed into an uninsured car, do I still need to file a claim to fix the car?

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.

Coverage & Claims

Will insurance cover a leak in my car's sunroof?

Insurance will only cover things that are a result of a loss. So if the leak in the sunroof was caused by a covered peril — like damage from bad weather — this would count towards a comprehensive claim.

Coverage & Claims

Can an insurance company recant liability and ask for a refund one month after paying me for damages to my vehicle?

I have not heard of a claim decision being reversed and asking for the claims payout money back. They should be providing you with evidence of why they are refusing to pay the claim — if you haven't asked for this already, you should demand it.

Car Insurance Costs

Should I stay with my care insurance company even if I'm getting a better quote from elsewhere?

It's possible that your agent is simply trying to keep your business. However, he may actually be correct.

Eligibility

My step-daughter moved to Tennessee three months ago and is still on her mother's Florida auto policy. Is this legal?

You are correct to be concerned. Car insurance will not transfer from state to state.

Car Insurance Costs
General Insurance

Can I switch companies if my rates go up after an accident?

You can shop around for lower rates elsewhere as you please. But keep in mind that the accident will still be on your record for all insurers to see and rate you on — namely, it will show up on your CLUE report, which all insurance companies use to access your claims history. On average, an at-fault accident increased rates by 42% in 2018.

General Insurance

My two kids live at home and drive my cars. Should I give the cars to them and have them handle their own insurance?

If you want to transfer the titles, you can do that through your state's DMV. The kids would list themselves on the policy only and remove themselves from your policy since the cars are no longer under your name.

Coverage & Claims

I agreed to pay out of pocket for an accident, but do I have to pay for their rental car if it's prohibitively expensive?

Sorry to hear about your accident. If you accepted fault for the accident you are responsible for the person's transportation expenses.
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