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.

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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

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.

Coverage & Claims

Someone hit my car while it was parked. Should I file a claim?

It depends on what part of your coverage is used to compensate for the damage. See this guide on when you should file a car insurance claim.

Coverage & Claims

I just bought a new car for my daughter, but she had an accident with it before it was added to my current policy.

Thanks for your question. This can be tricky.

General Insurance

How do I get insurance on a vehicle I plan to finance?

Generally, you need to shop for car insurance before financing the car. No matter where you purchase a vehicle, dealerships and buy here pay here car lots will not let you drive off the lot without providing proof of insurance first.

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.

Coverage & Claims

Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?

While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.

Car Insurance Costs

Can a bank add insurance to my loan when I already have insurance?

This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
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