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.

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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.

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.

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.

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.

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.

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.

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.
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