Coverage & Claims

Are excluded drivers covered if they're not at fault for the accident?

If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.

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Driving History

My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?

I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error.

General Insurance

Should both my girlfriend and I be on the car title?

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.

Eligibility

My "totaled" car was barely damaged. Is it still possible to get full coverage on it?

Hello, Car insurance companies typically total a car when it costs more to repair it than what the car is worth. Since it has already been totaled, it's highly unlikely that a car insurance company would be willing to give you full coverage (comprehensive and collision) for a rebuilt title vehicle.

Eligibility

Can I get storage insurance if my auto insurance is being canceled?

Most financing companies will require you to have comprehensive and collision coverage which means you would not be able to get storage insurance. Check with your finance company to see what options you have.

Eligibility

Can my girlfriend and I save money on insurance if we bundle our vehicles together?

Thanks for your questions! I would definitely combine as much as possible. You will get multi-car and multi-policy discounts which can save you a lot of money.

Homeowners Insurance

What companies insure mobile homes with extra build-ons?

You should have no trouble getting mobile home insurance to cover your home including the add-ons, and there are several companies that will insure that type of home. You will need an HO-7 homeowners policy that specifically covers mobile homes.

Uncategorized

Can I update my Michigan driver's license online or do I need to go to the DMV?

Here is a good resource from the State of Michigan regarding license information. It does look like you have to go to the DMV.

General Insurance

In Michigan is there a grace period to get insurance on a vehicle when you buy it?

He would need to get insurance to before he drives the vehicle. There is no grace period in Michigan.

Coverage & Claims

Can Hanover insurance raise my premium for an at fault claim if I decide not to pursue it and nothing is paid?

Your agent is correct. Reporting a claim will still impact your rate for up to three years.

Homeowners Insurance

How does insurance replace or compensate for damage to custom artwork?

This question is very specific to your homeowner's policy. Your agent will be able to tell you what type of coverage you have and the adjuster will be able to tell you how much they will pay to repair the damages.
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