Coverage & Claims

I got into a minor car accident and agreed to pay out-of-pocket, but today I learned they filed a claim against me. What should I do?

Unfortunately, if you're at-fault and the other party wants to file a claim against you, that is within their power to do so — even if you previously agreed to pay for the damage out-of-pocket. If you had already paid for the damage, make sure to tell the claims department when you speak with them and provide proof if you have it.
Jan 14, 2020 Brookshire, TX

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Most Recent

Coverage & Claims

My car was keyed 4 months ago. Is it too late to file a claim with my insurance company?

The statute of limitations on property damage and injury claims in Ohio is two years — so you are well within the time frame to file a claim. The car being keyed would count as an act of vandalism, so your comprehensive coverage should cover the damage.
Dec 4, 2019 Dayton, OH

Coverage & Claims

If I backed into an uninsured car, do I still need to file a claim to fix the car?

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.
Dec 3, 2019 Arcadia, FL

Coverage & Claims

Can I be sued for damages I caused in a rental car?

Hello and thanks for the question. If you have liability insurance, the other party should be collecting from this.
Sep 3, 2019 Germantown, MD

Coverage & Claims

Does car insurance cover love bug damage?

Insurance will not cover cosmetic damage to your vehicle — even with full coverage, insurance is meant to cover sudden and accidental damage. See the differences between collision and comprehensive coverage and what they cover here.
Aug 14, 2019 Tallahassee, FL

Coverage & Claims

Who pays if a lawnmower threw a rock and dented my car?

Hello, Sorry to hear about your situation. If you do file a claim, be aware that it will impact your rates as a comprehensive claim.
Jul 30, 2019 Spartanburg, SC

Coverage & Claims

Do I need the not-at-fault driver's insurance information?

The next step will be to contact your insurance company. They will handle the claim for you.
Sep 15, 2018 Hudson, FL

General Insurance

When do I have to pay my deductible

Simply put, no. Your deductible only applies to your car through your collision and comprehensive coverage.
Jun 25, 2018 San Antonio, TX

Coverage & Claims

What do I do if I scratched a person's car, agreed to pay out of pocket, but can't agree on the cost of the repair?

Unfortunately agreeing to pay for damage out of pocket without involving your insurance company can lead to issues like this. He does not have to agree with your offer and can attempt to get you to pay more than the actual cost of the repair.
Oct 11, 2017 Atlanta, GA

Coverage & Claims

Is it worth filing a claim for a scratch on my car that happened when it was parked?

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair.
Oct 9, 2017 Boston, MA

Coverage & Claims

If my husband backed into a parked car and put a tiny dent in a bumper that was already severely damaged, is he liable for the entire bumper?

Your husband should only be liable for the damage he caused. However, your insurance company will ultimately decide what they will and won't cover regarding the repair or replacement of the bumper.
Aug 26, 2017 Lynchburg, VA
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