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Coverage & Claims

How long can you wait to file an auto insurance claim?

Each state has varying statutes on how long you have after damage occurs to file a claim. In Maryland, you actually have up to 3 years to file a property damage claim, although I would not recommend waiting that long as it can be difficult for your insurance company to properly assess the damage.
Oct 6, 2017 Lusby, MD

Homeowners Insurance

Will homeowners insurance cover a collapsing ceiling?

It really depends on what is causing the collapse of the ceiling, but it is very likely to be covered unless the collapse occurred due wear and tear or negligence. Ultimately that decision is going to be up to your homeowners insurance company based on the terms and coverage of your policy, so you will need to contact them directly the inquire about your coverage.
Oct 4, 2017 Columbia, MD

Eligibility

If I am taking over payments on my brother's auto loan and leaving the car in his name, can I insure it?

You may be able to add the vehicle to an existing policy, but the registration and insurance will be in the name of two different people, which can create an issue with the state. I would recommend adding your brother as a second named insured on your policy, which means he has the same rights on the policy as you, and then add the vehicle.
Aug 21, 2017 Pasadena, MD

Coverage & Claims General Insurance

What should I do if I was hurt in a hit and run accident in Maryland?

If your auto insurance policy includes full PIP coverage then you should be covered up to your policy limit for medical bills. Uninsured Motorist coverage is also required in Maryland so, even if the other driver fled the scene of the accident and you don't have full PIP, your insurance policy should still cover your injuries.
Aug 14, 2017 Baltimore, MD

Coverage & Claims General Insurance

How does my insurance company handle a claim if I hit a car that was already damaged?

After any sort of collision, it's always recommended that you take pictures at the scene. Pictures should be taken of both vehicles, the location of the crash, and the other driver's info and license plate.
Jul 6, 2017 Upper Marlboro, MD

Coverage & Claims General Insurance

What should I do if I hit another driver and can longer reach them?

If you can't come to an agreement, or if the other driver won't return your calls, the only other alternative would be to report the incident to your insurance company and let them deal with the other party. Sometimes filing a claim is unavoidable due to the other party not being cooperative in your attempt to pay for the damage out of pocket.
May 26, 2017 Prince Frederick, MD

Coverage & Claims

If I scratched a rental car, can I pay for the paint repair out of pocket?

It's possible that going through the rental company for the repair will help you avoid a rate increase, but there is no guarantee that they won't notify your insurance provider. I would recommend looking into paying for the repairs yourself, but if the damage is extensive enough where you can't afford the cost then you'll have to file a claim.
May 20, 2017 Bethesda, MD

General Insurance

If I returned my car because it was a lemon, will I get a refund on my insurance policy?

Each company is a bit different in how they refund policies. However, since your vehicle was returned, you might be eligible for a full refund if you submit some sort of proof to the insurance company that your vehicle was defective.
Dec 23, 2016 Baltimore, MD

Coverage & Claims General Insurance

Does car insurance cover my passengers?

In the state of Maryland, drivers are required to carry at least $2,500 in PIP coverage, as well as $30,000 per person and $60,000 per accident worth of uninsured motorist coverage in addition to liability. So, if you were hit by another driver and someone in your vehicle suffered injury, the other driver's liability coverage would pay for the injuries suffered inside your vehicle. If the other driver happens to be driving without car insurance, you and your passengers would still be covered by your policy because of the state-required uninsured motorist coverage.
Jun 17, 2016 Baltimore, MD
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