General Insurance

My son is 19 and is in the service and will be overseas the next month. Is this covered by the definition of exclusion?

As long as you can provide proof of a separate address, you should be able to remove your son from your policy completely. Every company is different so you will need to check with your specific company.

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Can I avoid paying for insurance for my car while I am away for active duty military leave?

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured.

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General Insurance

How do I recover my refund if I canceled a policy the day after the renewal?

Most states have a law about recovering unearned premium from insurance providers. Meaning that if you cancel your policy after you've paid your premium, especially at a renewal, you should be able to collect a refund for any days you've paid for after the policy is canceled.

Coverage & Claims

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy: Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately. You drive frequently with passengers not covered by your health insurance - Even if you have outstanding health insurance for you and your family, that coverage does not extend to any of your passengers who aren't covered by your health plan.
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