Coverage & Claims

Can I transfer my insurance coverage from my car to my mom's car?

You cannot "transfer" insurance coverage. While you can try adding your mom's car to your insurance policy (your insurance likely won't question you adding a vehicle, and assume it's yours) in the event of an accident, there could be complications as to how the payout would be handled.

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Homeowners Insurance

Will I still be able to get insurance if I have made three home insurance claims?

Previous claims can affect your ability to get homeowners insurance. Particularly, it will affect your rates.

Coverage & Claims

Are insurance proceeds taxable?

Thanks for your question. In general, insurance proceeds are not taxed.

General Insurance

If I purchase a policy through The Zebra, am I able to get covered the same day?

Yes, we are able to start a policy with an insurance carrier for you right away. Coverage would take effect immediately.

General Insurance

How do I handle car insurance after my husband's death?

I'm sorry to hear your husband has passed. Every company is different when it comes to their process when a spouse passes away.

General Insurance

Does subrogation vary from state to state?

Subrogation occurs when an insurer pays an insured for a loss caused by a third party. The insurance company is then “subrogated” – or steps into the shoes of the insured – to sue that third party for the loss suffered by the insured.

Homeowners Insurance

Claims that would be covered under a HO3 and not covered HO2?

One example of an HO2 claim that would not be covered under an HO-2 would be any water damage relating to water backup, foundation, or slow leaks. As you mentioned, the HO-2 is a named peril policy.

Coverage & Claims

Should I file a claim for damage to my car caused by my husband?

There are a few things involved here. First, whether you file a claim or not, most insurance companies require you to report every accident.

Car Insurance Costs

Liability coverage or comprehensive coverage for 04 Nissan Altima

There are a few things to consider when selecting coverage. The age of the vehicle is one of them.

RV Insurance

Home insurance liability cover injury on my camper trailer?

There's a couple of things to think about here. It sounds like you have your travel trailer bundled with your auto insurance policy because more often then not your travel trailer needs a separate policy.

Car Insurance Costs
General Insurance

Commercial car insurance: how does it work?

That is a tricky situation. Based on what you said, it sounds like the other company would need to have a commercial policy that covers the drivers using their vehicles.
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