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Homeowners Insurance

In a state of emergency, does my insurance company have to help me if I have flood damage but no flood insurance?

If your home and basement were damaged by water that wasn't attributed to an actual flood then you will likely be covered by your company. Unfortunately, the declaration of a State of Emergency doesn't mean that your policy applies any differently; especially since flood insurance is provided by FEMA and not a part of your actual homeowners insurance policy.
Jun 28, 2017 Midland, MI

General Insurance Renters Insurance

If I use my parents' house as my permanent address but live in an apartment, can I get renters insurance?

You would need to use the address of the apartment you are planning on renting. In the event of a claim, let's say a fire, your renters insurance provider will notice that the address listed on your claim doesn't match your policy paperwork.
Jun 20, 2017 Lansing, MI

Coverage & Claims

Will my boyfriend be covered while driving my vehicle if he isn't listed on my policy?

In Michigan, each driver is responsible for damage to their vehicle so the person who was hit would need to file a claim with their own insurance company. Unless your vehicle is also damaged and you want it repaired, you wouldn't need to contact your insurance company as the other driver would have to file a claim with their company anyway.
Mar 22, 2017 Westland, MI

Insurance Companies

What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?

While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
Mar 15, 2017 Detroit, MI

Car Insurance Costs

Will my son's insurance rates automatically go down when he turns 20, or does he need to call his agent?

There is no guarantee that his rate will decrease, but on average, rates decrease as drivers get older. Calling his agent might help, but only if the agent works with multiple insurance companies since his current company is unlikely to make adjustments to the rate in the middle of the policy term.
Dec 14, 2016 Garden City, MI

General Insurance

Is there a way to get car insurance quotes without having a car first?

You don't have to physically own or possess a vehicle to get a car insurance quote, but you will at least need a year, make, and model of a vehicle you're interested in purchasing to get a quote. The great thing about TheZebra.com is that it's easy to get updated quotes for any vehicle you may be interested in purchasing.
Oct 25, 2016 Southfield, MI

Car Insurance Costs General Insurance

Will auto insurance companies ever give you a lower rate if you threaten to leave and go with another carrier?

You can haggle a lot of different services, but insurance just isn't one of them. It is possible to notify your current insurance provider that you are shopping for a lower rate and they may offer a review of your policy to see if you qualify for any additional discounts or completely re-write your policy to take advantage of your most recent favorable rating factors, but there is no guarantee that this will result in a decrease to your rate.
Jun 6, 2016 Kalamazoo, MI
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