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.

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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.  The process is straightforward and doesn't vary by state.

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.

Coverage & Claims

What happens after I file a car insurance claim?

So, overall, it will depend who is at-fault for the accident (which can only be determined by the claims adjusters assigned to the claim) and what coverage the determined at-fault party has. For example, if you're determined to be at-fault, you would have to use your liability coverage in order to cover the damages to the other driver.

General Insurance

I have a loan on my car but don't drive do i need insurance

Because you have a loan on the car, you more than likely will have to carry comprehensive and collision coverage as well as your state required liability insurance. This is because whoever holds the loan has a financial investment on the vehicle and if anything were to happen to it, they would be left vulnerable.

Coverage & Claims

Uninsured vehicle damaged at a car wash who is responsible

hotograph and keep accurate details of the damage. This can be a tricky situation because you are not insured and if the owner refuses to pay for the damages you do not have an insurance company on your side or to pay for the remaining damages.
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