Coverage & Claims

Can an excluded driver claim bodily injury if they're at fault?

I would file a claim on their insurance. Excluded drivers are exempt from coverage.
May 13, 2020 Los Angeles, CA

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Most Recent

Coverage & Claims

What comes next after a total loss?

If your insurance company has deemed your vehicle to be a total loss, you can expect them to pay you the actual cash value of your car minus your deductible. See more about total losses in car insurance here.
May 12, 2020 Los Angeles, CA

Car Insurance Costs Eligibility

How can I stay insurable with three accidents?

Sorry to hear about your situation. It's not easy to find competitive rates with that many at-fault accidents.
Mar 5, 2020 Los Angeles, CA

Homeowners Insurance

What kind of insurance do I need for a short term rental property?

Thanks for your question. It sounds like you would want a standard HO-3 homeowners policy that would allow for short term rentals.
Jan 7, 2020 Los Angeles, CA

Car Insurance Costs General Insurance

DMV shows my license being suspended for 3 months because paperwork was submitted late. My insurance has skyrocketed, how can I correct this?

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.
Nov 25, 2019 Los Angeles, CA

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.
Nov 13, 2019 Los Angeles, CA

Coverage & Claims

Someone attempted to steal my neighbor's vehicle and wrecked my van, how do I handle insurance?

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report.
Nov 5, 2019 Los Angeles, CA

Coverage & Claims

I scraped my car in a parking garage and it's a $1600 repair. Should I pay out of pocket or file an insurance claim?

I would not file a claim. With your $500 deductible, your insurance company would pay out $1100 for the damages — but in California, your premium could also increase by 42% over three years if you're cited for an at-fault collision (which this would be considered as).
Jun 26, 2019 Los Angeles, CA

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.
May 23, 2019 Los Angeles, CA

Coverage & Claims

If I pay the other driver's insurance, will it impact my driving record?

Since the car insurance companies are involved it is highly likely that it will be listed on your CLUE report and impact your insurance premium. You should contact your insurance company and let them handle the claim since it will likely be reported either way.
Apr 25, 2019 Los Angeles, CA

Driving History

Can I say I haven't gotten a ticket if I've been driving school and gotten ticket removed?

Most of the time, if you have taken a driving class, the ticket is taken off of your record. You can click "No" on the driving history question.
Sep 24, 2018 Los Angeles, CA
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