Eligibility

Is my 18-year-old son covered on my car insurance if he still lives with me?

If your son is living in your home, he needs to be listed on the policy as either a driver or an excluded driver. An excluded driver means they are not covered to drive the car at all.

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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.

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.

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.

Car Insurance Costs

Comprehensive coverage cover damage to paint

Unfortunately, your insurance would not cover this type of damage. collision and comprehensive coveragee are considered the "full coverage" portion of your policy.

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.

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.

General Insurance

Can an insurance agent ask a driver if they have a disability if they think it may have contributed to a car accident?

Normally if a driver has a medical condition that makes it unsafe for them to drive, their doctor will notify the DMV and their driving privileges will be limited or revoked for safety purposes. A handful of insurance companies do require that their agents confirm or inquire about medical conditions of any drivers listed on the policy that may make them unsafe on the road.

Car Insurance Costs
Coverage & Claims

If my daughter caused less than $1,000 in damage to another car, should we still file a claim or pay out of pocket?

I would agree with your assumption. In Kentucky, an at-fault accident impacts rates by an average of $917 per year (page 58 of the report).

Car Insurance Costs

Why do some jobs get insurance discounts and others don't?

Insurance companies analyze a lot of information to better forecast risk (customers). This basically means that they try to determine how likely it is that a person will file a claim and charge that customer accordingly. Companies have found that drivers with higher levels of education and certain jobs are less likely to file a claim and offer a discount for being in a lower risk category. Each company rates drivers a bit differently so it may be time to consider shopping around for a new insurance company.

Coverage & Claims

Will my insurance company pay me directly for a claim?

Unless your vehicle was totaled, the insurance company normally pays the repair facility directly after you pay your collision deductible. You would have to speak with them about making other arrangements for the claim payout. As far as whether or not you should file a claim?
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