Coverage & Claims

I have liability and uninsured motorist coverage. Can I file a claim on a hit and run accident?

Yes, your uninsured motorist coverage would include coverage for UMPD (uninsured motorist property damage). Your deductible typically applies.

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Coverage & Claims

Can an insurance company recant liability and ask for a refund one month after paying me for damages to my vehicle?

I have not heard of a claim decision being reversed and asking for the claims payout money back. They should be providing you with evidence of why they are refusing to pay the claim — if you haven't asked for this already, you should demand it.

Renters Insurance

Does the unit I want to rent need to be a legally registered residence in order for me to get renters insurance coverage?

Most likely, an insurance company is going to want the address to be verifiable before they offer coverage. If the unit doesn't have an address, you should list the main residence's address on your renters insurance and the same rules would likely apply.

Coverage & Claims

Will a non-owners policy cover medical for the person I hit after an accident?

A non-owner's policy will have a signed endorsement on it stating the insurer will not cover any claim that results from a vehicle the named insured owns or is registered to. Many will also state if it is part of the household, they will not cover it.

Eligibility

Do I need liability car insurance at the time of an accident?

Coverage offered to unlisted drivers varies from policy to policy. You would have to check with the vehicle owner's insurance policy.

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.

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.
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