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

$355 dollar of damage and $250 deductible should I file a claim

I would pay out of pocket. The rate increase from an at fault accident against her would increase her rates for 3 years.
May 11, 2018 Council Bluffs, 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

Car Insurance Costs

How do I decide if the insurance policy covering my 2007 Acura MDX should be liability only?

There are a few things to consider when deciding between a "full coverage" or liability only policy:   Determine an estimated fair market value of your vehicle. While Kelley Blue Book may offer useful estimates, I recommend using NADA guide since most insurance companies use them to determine a vehicle's value at the time of a claim.
Aug 11, 2017 Iowa City, IA
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