Coverage & Claims

I wrecked my car— is it okay if I don’t report it to my insurance company?

If you prefer to repair damages out of pocket and not put a claim on your insurance, you don’t need to file a claim with your provider.
Jan 13, 2021 Williamstown, KY

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Coverage & Claims

Will my insurer honor a claim if my ex-husband took the car?

Sorry to hear about the situation. If needed, the claim will still be honored because the insurance was in effect at the time of the loss.
Nov 8, 2020 Princeton, KY

Coverage & Claims

Do I still need to pay my monthly premium if my car was totaled?

Sorry to hear about the accident. You should have no need to insure the vehicle further.
Jun 16, 2020 Richmond, KY

Homeowners Insurance

What is O&L coverage and why do I have it?

O and L stands for Ordinance and Law. Though your agent said that it wouldn't cover code upgrades, perhaps he meant that if a code went into law, your insurance isn't going to accept claims to upgrade the home and bring it up to code — unless your home suffers a loss.
Jan 21, 2020 Franklin, KY

Homeowners Insurance

Will home insurance cover a robbery claim after my policy was canceled?

This entirely depends on the date of the loss, i.e. when the home burglary happened.
Dec 2, 2019 Berea, KY

Car Insurance Costs

How do I get my ex-husband's accidents dropped from my policy?

Sorry to hear that this is following you. Unfortunately, some companies won't work around it if these claims show on your prior plans.
Nov 14, 2019 Edmonton, KY

General Insurance

How many years do insurance companies check for Kentucky?

It depends on the company. Most companies go back five years for at-fault accidents, but some only go back 3 years.
Apr 7, 2019 Louisville, KT

General Insurance

What's max amount of cars allowed on state farm insurance policy?

To get an exact answer you would want to contact State Farm directly. Most companies will allow four cars on a policy.
Dec 14, 2018 Barbourville, KY

Motorcycle Insurance

Will my rate increase from filing a claim from hitting a road hazard?

If you file a claim, your rates can be impacted for up to five years. As far as towing, that would be a question for your insurance company.
Sep 22, 2018 Fort Knox, KY

Eligibility

Why is car insurance so expensive in Kentucky?

Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance.
Apr 9, 2018 Summersville, KY

General Insurance

How far back can I be charged for forced coverage?

It depends on the terms of your loan contract. In most cases at any point of time the vehicle was not insured they will force their own coverage on the vehicle and add it to your loan.
Mar 22, 2018 Lexington, Kentucky
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