General Insurance

Should my husband and I have separate auto insurance policies?

If your husband is able to get a cheaper quote due to his cleaner driving history, it would be a good decision to have separate policies. I would suggest you shop around for quotes as well to see if you can get a lower rate.

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Eligibility

Can my husband add a car that is in my name to his insurance policy?

Thanks for your question. Your husband should be able to add your vehicle so long as his insurance carrier is alright with the change.

General Insurance

I had an accidental ten day lapse between insurance carriers. How long will I be penalized for lapse?

You will have to have had your car insurance for a continuous six months in order to cease being penalized with a higher rate and get credit for having insurance — which should help your rate come down. See this guide to understand how and why a lapse in coverage impacts your premium.

General Insurance

How do you insure a car that is not being driven but is held for collateral by a bank?

Whether or not the vehicle is being driven, you still need the state minimum liability coverage — in Mississippi, the state-required liability limits are 25/50/25, meaning you are required to carry $25,000 per person and $50,000 per accident of bodily injury coverage and $25,000 in property damage coverage. In most cases, if the vehicle is used for collateral for a loan, the loan company will require you to have comprehensive and collision coverage to protect your vehicle.

Coverage & Claims

An excluded driver got into an not-at-fault accident with my vehicle

In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle.

Coverage & Claims
Eligibility

Who insures a vehicle that is shared?

It is tough to answer the question without more information. If your daughter is away from school and living there full time, she will need a policy for that address.

Coverage & Claims

I didn't call the police after an accident

There are a couple ways to look at things. You are able to file a claim with your insurance company for the damage to your vehicle, regardless if you filed a police report or not.

Coverage & Claims

Should I file a claim for damage that I caused to someone's bumper?

I would recommend having the other driver get an estimate first. This way, you can decide if the repair costs are affordable enough to pay for the damage yourself.

Insurance Companies

Why is your company called The Zebra?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Our motto at The Zebra is \&quot;Insurance in black and white\&quot;. The basic contrast of the stripes on a zebra gave us our inspiration to simplify and improve the process of shopping for car insurance while providing a user friendly platform to navigate the process.
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