Coverage & Claims

Can you file a claim on behalf of the insured if they are deceased?

First of all, we're very sorry to hear about the passing of your mother. Our thoughts are with you and your family.
May 20, 2022 Winter Park, FL

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Most Recent

Coverage & Claims

Can I still file PIP claims for accents that happened years ago?

Florida is a no-fault state, meaning that in most cases you are responsible for your own medical care after an accident, regardless of who is at fault. Your PIP coverage should cover the most recent injuries (up to your policy limit which is typically $10,000 in Florida).
Jul 25, 2021 Ocala, FL

Coverage & Claims General Insurance

How do I insure a vehicle I have in another state?

Since insurance regulations vary by state, there are not a lot of options if you have vehicles in separate states. You would need to have two plans, one for each state.
Dec 3, 2020 St. Petersburg, FL

General Insurance

It’s my first time getting my own insurance policy after being covered under my parents’. What do I do?

If you were listed as a driver under your parents’ policy, you would be considered covered by insurance for however long you were on their policy. Be sure to shop around for your new policy before your parents remove you from theirs to avoid a lapse in coverage.
Nov 9, 2020 Jacksonville, FL

General Insurance

Do I have to list my spouse on my policy even if we are separated?

Depending on the state you live in, some carriers will ask that you list a legal spouse on the policy, even if you are separated. Others will allow you to exclude a spouse from your policy completely.
Nov 9, 2020 Fort Pierce, FL

Homeowners Insurance

My homeowners insurance is canceling my coverage based on us having a home daycare. How do we get coverage?

If it was not disclosed to your insurer at the time of finalizing your policy that you're running a business out of your home, it is within the company's right to void it. While you likely won't need a home daycare endorsement if you already have separate liability insurance, every potential home insurance company will want to know that your home is also a place of business.
Jun 28, 2020 Bradenton, FL

Car Insurance Costs

Will there be a cost to remove a deceased from a car insurance policy?

I'm so sorry to hear about your loss. As far as your insurance goes, you should contact your agency and have them remove the driver.
Jun 4, 2020 Jupiter, FL

Coverage & Claims

Can the other person still file an insurance claim against me if I wasn't issued a citation?

Yes, regardless of police involvement the other party can file a claim against you if you were at-fault. Your insurance will want to settle the claim to avoid a lawsuit.
Feb 20, 2020 Hollywood, FL

Car Insurance Costs General Insurance

My insurance company sent me a non-renewal notice. Will this affect my premiums going forward?

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.
Feb 2, 2020 Jacksonville, FL

Coverage & Claims

Can my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?

Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
Jan 30, 2020 Ocoee, FL

General Insurance

Can a lender dictate what my deductible is?

Unfortunately, the terms of your loan can dictate what your coverage deductibles must be. Your lienholder may not necessarily notice right away if you change your deductible, but if they catch on they will add force-placed insurance, also known as collateral protection insurance, as a part of your monthly payments.
Jan 23, 2020 Jacksonville, FL
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