Do I need personal or commercial auto insurance to tow my flatbed trailer and hauling machinery?
Even though your vehicle is used for personal use, your vehicle itself is made for business use. If you want it insured then you will need to get commercial insurance, especially if your son-in-law has an equipment company.
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Do I have a legitimate loss of use claim?
Loss of use clauses in renters policies typically cover up to $1,000. It is best to contact your renters insurance company to see how much they cover for loss of use as specified in your policy.
Will a comprehensive claim on my motorcycle affect my car insurance rates?
Your comprehensive claim will show up on your reports for auto insurance even if it was done for a motorcycle. The good news is if this is your first comp claim, it's considered not-at-fault, and most companies will not adjust your rates.
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.
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.
Are insurance proceeds taxable?
Thanks for your question. In general, insurance proceeds are not taxed.
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.
Can Hanover insurance raise my premium for an at fault claim if I decide not to pursue it and nothing is paid?
Your agent is correct. Reporting a claim will still impact your rate for up to three years.
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.
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.
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.