Coverage & Claims

If an at-fault driver loses my insurance information, do I have to give it to them again?

There is no law requiring you to give the other party your insurance information again. With that said, when they file the claim, their company will likely find your insurance information.
May 12, 2019 Des Moines, IA

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Coverage & Claims

Will my car insurance coverage personal property damage?

I'm sorry but your insurance would not cover damage that you did to your personal property with your vehicle. Your homeowners would cover your personal property would be a deductible would apply.
Jan 9, 2019 Akron, IA

Car Insurance Costs

What happens if I get a ticket a few hours before getting insurance?

No, if you get insurance the same day as the ticket, it will not cover the ticket. Since both the ticket and the insurance policy are time-stamped, the DMV would see that at the time of the ticket your policy was not active.
Sep 4, 2018 Marshtown, IA

General Insurance

Can my bank charge me for car insurance?

Finance companies usually require you to have insurance on your car while you are making payments. Companies can back charge you for not having insurance - which is essentially called Collateral Protection.
Sep 2, 2018 Iowa City, IA

Eligibility General Insurance

Can I remove a ticket for no insurance if I get insurance now?

No - even if you had a policy begin that day, it would not help getting your ticket dismissed. Because insurance is required in your state, you will still need to have insurance.
Aug 16, 2018 Marshtown, IA

Coverage & Claims RV Insurance

Fault when I was towing someone else's trailer

This can really depend on a number of things. Fault can only be determined by a claims adjuster who has reviewed the accident and any corresponding documentation.
Aug 6, 2018 Indianola, IA

Homeowners Insurance

Tree limb snapped and damaged neighbors property who is at fault

This can be a tricky subject. If the tree was healthy and fell due to a covered loss, which considering the storm you've experienced may be the case, your neighbor would need to file a claim with their home insurance policy.
Jun 6, 2018 Des Moines, IA

Driving History General Insurance

Will my car insurance cover me after a theft

It really depends on the nature of your coverage. If you have comprehensive coverage, the damage to your vehicle and speakers can be covered.
May 14, 2018 Des Moines, IA

Coverage & Claims

Should I file a claim for $1,000 of damage?

What you should consider is paying for the claim out of pocket (so, the $1,000 in estimated repairs) is greater or less than your deductible plus the rate increase you will receive. Your insurance company will see this claim as an at-fault car accident and thus will raise your rates as a result.
Mar 7, 2018 Des Moises, Iowa

General Insurance

How do I estimate my insurance rate if I don't want to provide personal info for a quote?

We have published a state of insurance report that shows average rates for various scenarios. You can use that guide as a general rule of thumb, but ultimately the rates available to you will be specific to your information.
Feb 16, 2017 Iowa City, IA

Coverage & Claims

Will my insurance company cover my vehicle if my cousin was driving my car?

Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
Dec 20, 2016 Guttenberg, IA
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