missouri

Sorry to hear about the accident. Regardless of whether their insurance pays, the at-fault party is responsible for any damages caused.

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.

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

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

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

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.

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

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

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.

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.