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.

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Eligibility

Can I get car insurance with just a state ID in Kansas?

Yes, there are several companies that will insure you without a license. Some companies will require you to get a license within a certain time frame so make sure to find out the details before getting a policy.

Coverage & Claims

After an auto accident where my car was totaled, can I change my coverage from full to liability only to keep my rates down?.

Yes, you can downgrade your coverage to liability only until you get a new car. It is true that you should maintain coverage if you plan on getting a new car soon in order to keep the rates down.

Coverage & Claims

Will car insurance cover replacing a window?

If the window breaking was caused by an accident, it is covered by your insurance. If it wasn't, then it is not likely to be covered even if you have comprehensive and collision coverage, as these cover damages resulting from events such as fire, theft, or vandalize, and not a malfunction with the vehicle.

General Insurance

Where can I purchase gap insurance via auto insurance?

Some companies will offer something similar to gap coverage if you cannot purchase it through your finance company. Sometimes, this coverage will pay a percentage of what you owe.

Eligibility

How long can insurance companies hold DUI against you in Kansas?

The lookback for DUI is 10 years in Kansas. The other thing your husband would need to think about is if his job requires him to drive. As that would be a commercial policy, his DUI can be weighted more heavily than another job.

Coverage & Claims

My liability only car was hit by a stolen vehicle

Unfortunately, the owner of the vehicle that was stolen isn't liable because the fact they didn't give permission to the driver negates any coverage. The individual who stole the vehicle and caused the damage is responsible.

Eligibility
General Insurance

What happens if I'm late on a car insurance payment

It depends on the policy status. If you were just late with a bill but no cancellation was issued, then you are still insured.

Homeowners Insurance

Is my deck covered by my homeowners policy?

Since the deck you recently had built is attached to your home, the structure should be covered under the "dwelling" portion of your homeowners insurance. If the deck were not attached to your home then it would be covered under the other structures portion of your policy.

Eligibility
General Insurance

What do I do if I don't have a car but am required to have an SR22 and an ignition interlock?

You should be able to purchase a non-owners insurance policy and have an SR22 attached to that policy to meet the state requirement. It would be impossible to install an interlock device if you don't have a vehicle so I would recommend contacting your probation officer or attorney to discuss your options.

Coverage & Claims

If I was driving a company van and backed into a vehicle, can I use my personal insurance to cover the damage?

Technically insurance coverage follows the vehicle so you should be filing a claim with the company that insures the vehicle you were driving. If you attempt to file a claim with your personal insurance company, they are going to investigate the vehicles involved and that would quickly lead to them denying the claim.
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