RV Insurance

Do I need to purchase separate liability coverage for my motor home if I have the state required liability insurance on my auto policy?

You would need a new individual plan to cover a motorhome. The good news is RV liability insurance tends to be very inexpensive.

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RV Insurance

Do I need to purchase separate liability coverage for my motor home if I have the state required liability insurance on my auto policy?

Thanks for your question! Yes, you would need a new individual plan to cover a motor home. The good news is RV liability tends to be very inexpensive.

General Insurance

Can I get liability insurance for a financed car, and can I get gap insurance without full coverage?

Typically, no. You don't want liability only because the car will not be sufficiently protected.

General Insurance

What is the minimum coverage I should keep on an old car that I am selling that isn’t worth much?

In Ohio, the state minimum liability requirements are 25/50/25 — comprehensive and collision are optional. If you're looking for the lowest coverage and the cheapest rate, that's the best option though this decision is completely up to you and what you're comfortable paying.

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.

Eligibility

Can I get car insurance for my vehicle if I don't have a license?

Hello, You will have to have the policy in your name since you are the owner of the car. You will also need to list any person(s) that will be driving the vehicle regularly (more than once a month) as a driver on the policy.

Coverage & Claims

Am I still covered for liability coverage if I drive my car in a parade?

Yes, you should be insured while driving in a parade under the mentioned circumstances. Many people who drive in parades tend to have classic or modified vehicles which often require different types of insurance coverage.

Coverage & Claims

If a large item falls from a truck and causes an accident, whose insurance will cover it?

This is a legal matter and I suggest talking further with your own attorney. Your insurance will not cover the claim since you only have liability insurance.

Coverage & Claims

What happens when the other driver doesn't have insurance and I only have liablity?

Thank you for your question. I would contact your insurance company.

Eligibility

If I'm looking to get renters insurance on a short-term Airbnb rental, what's the best way to go about it?

I certainly understand your concern, but you cannot get a renters policy for an Airbnb you are temporarily residing in. If you have a renters policy for your current address, your liability coverage will cover any damage you cause to the Airbnb (up to your liability limit).

General Insurance

I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?

You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
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