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.

Compare auto insurance rates and save up to $670 per year!

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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.

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.

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.

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.

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.

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.

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.
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