Coverage & Claims

Why did my rate increase for a $25 towing claim?

Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.

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Car Insurance Costs
Coverage & Claims

Can I get a refund for premiums I was forced to pay after accident?

Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.

Eligibility

What's the difference between a vanishing deductible and accident forgiveness

Simply put: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.

General Insurance

Insurer refuses to give me my money back

I would try calling back again. It could be that the agent you spoke with was misinformed.

Coverage & Claims
Homeowners Insurance

Do I need a landlord policy or homeowner?

A homeownerspolicy doesn't apply for rented out residences as it's intended for those who live "full-time" there. If you're renting your residence out, what you should look for is a landlord policy.

Coverage & Claims

How long into getting a new policy can I file a claim?

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage.

Coverage & Claims
General Insurance

What options do I have if I had an accident before setting up my insurance?

That would be considered insurance fraud. Unfortunately, the fact that you didn't have an active policy at the time of the accident means that you won't be able to file an insurance claim.

Coverage & Claims

If my car was stolen and set on fire, will my car insurance cover the personal items inside the vehicle?

Your personal items would have to be claimed on your homeowners or renters insurance policy to be covered. Auto insurance does not cover personal items; only your vehicle.

General Insurance

Can I keep my car registered in Rhode Island, but have my auto insurance written as a New York State policy?

The problem would be with the state of Rhode Island concerning your registration. If your vehicle is no longer insured in the state then you will be expected to turn in your registration tags and get new tags in the New York.

General Insurance

Do I have to keep insurance on my car in Pennsylvania while it is in storage?

If the vehicle isn't being driven then technically you do not have to insure it. The state of Pennsylvania may suspend the registration of the vehicle when they realize that it is no longer insured so you should probably contact your local registration office to cancel your tag.
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