General Insurance

Should I still keep my 18-year-old son on my insurance if he moved out?

If the vehicle is registered in your name I would keep it insured. Florida will suspend a license of the registered person if a vehicle isn't insured.

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Coverage & Claims

Does car insurance cover love bug damage?

Insurance will not cover cosmetic damage to your vehicle — even with full coverage, insurance is meant to cover sudden and accidental damage. See the differences between collision and comprehensive coverage and what they cover here.

General Insurance

Why did my insurance company automatically add my daughter to my policy when she has her own insurance?

If your daughter lives with you and you two share an address, your insurance company is probably assuming that she may sometimes drive your vehicle, at which point she would need to be a named driver on your policy. If she has her own car — and doesn't drive yours — it could be possible for you to have her excluded from your policy.

General Insurance

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.

Eligibility

What company will issue me an SR-22 with 2 PIP claims?

I'm unaware of a specific company that will insure you with 2 PIP claims, but if you can't find an insurer, you can look into the Florida Automobile Joint Underwriting Association (FAJUA). They help people get insurance when they have no other options.

General Insurance

Is there any type of temporary insurance that would cover me driving my mom's car for a week?

Insurance companies don't offer temporary car insurance since policy lengths are typically six months to a year. If you will only be driving the vehicle for one week out of the year and you do not live with your mother, her policy should cover you to drive under permissive use.

Coverage & Claims

Is accidental flooding covered under comprehensive coverage?

Sorry to hear about the loss. Yes, comprehensive coverage should cover any kind of flooding that occurs to the vehicle.

RV Insurance

Is there a grace period for RV insurance?

Typically, there is a grace period to add on another recreational vehicle, just like car insurance. For car insurance, you have up to 14 days to add a new vehicle to your policy.

Homeowners Insurance
Renters Insurance

How do I get reimbursed for mold damage when my landlord requires me to pay rent in cash?

Hello, Sorry to hear about your situation. This is a tough call.

Eligibility
RV Insurance

Does RV insurance count as prior car insurance coverage?

RV insurance doesn't count for continuous auto insurance coverage. On an auto insurance application, you are not currently insured unless you currently have an auto insurance policy.

General Insurance

I got in an accident and my insurance company hasn’t really done anything to fix it, do I have to continue to pay?

You definitely have the freedom to shop around for a new insurance company during your policy period. As long as you had insurance at the time of the accident, you can cancel your policy at any time. Make sure to ask if there are any penalties and that you have insurance set up with another company before you switch.

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