Coverage & Claims

In the past five years, we have had four claims. I recently had an accident in my garage where I hit my own car. Should I file a claim?

Given your claims history, I would pay for the damages to both vehicles out-of-pocket. You are correct that having any more claims added will likely make it very difficult to find coverage — not to mention when you do, it's going to cost even more than your current bills.

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General Insurance

Do I need additional insurance if I am working DoorDash as a side job?

When you're delivering food, you're effectively using your vehicle for a commercial purpose. Most policies do not cover you to do a side job, such as rideshare or food delivery, without a special endorsement.

Coverage & Claims

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.

General Insurance

My 23-year-old daughter owns her vehicle and has insurance on it. Should I keep her listed as one of our household drivers?

It depends on a few factors. If she lives in your household, the insurance company may require she be listed on your plan as a driver.

Coverage & Claims

Can I transfer my insurance coverage from my car to my mom's car?

You cannot "transfer" insurance coverage. While you can try adding your mom's car to your insurance policy (your insurance likely won't question you adding a vehicle, and assume it's yours) in the event of an accident, there could be complications as to how the payout would be handled.

Coverage & Claims

If I have full coverage and gap insurance, which one pays out if I total my car?

Sorry to hear about your accident. Your auto insurance plan will pay out the actual cash value as determined by the adjuster—minus any deductible you have.

Eligibility

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.

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

Can I get liability insurance for a financed car, and can I get gap insurance without full coverage?

Typically, no. You don't want liability only because the car will not be sufficiently protected.

General Insurance

Can I get insurance for a car with an accident report?

Yes, you can buy a vehicle that has been in an accident. If the car has a salvaged title, you may not be able to add "full coverage" (comprehensive and collision coverage) so make sure to check with the company you decide to go with.

General Insurance

How do I choose a car insurance deductible?

When it comes to selecting your deductible you have to know what you can afford, and if you could cover the claim or damages with a high deductible. If so, high deductible + good driving = a lot of savings but a lot of people can't fork over 1k-2k in the event of an accident.
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