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.

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Eligibility

Can my girlfriend and I save money on insurance if we bundle our vehicles together?

Thanks for your questions! I would definitely combine as much as possible. You will get multi-car and multi-policy discounts which can save you a lot of money.

General Insurance

How would insurance work for drivers hauling a trailer they don't own?

The drivers need to be insured on the policies of the people who own the vehicles that are hauling the trailer. Since the trailer is already insured, there is no additional insurance required.

General Insurance

Do I need new car insurance after separation with jointly titled vehicles?

Any vehicle that is parked and garaged at your address needs to be insured for that location. Car insurance companies use your address and zip code as a risk factor.

General Insurance

Can I insure two vehicles with the damage coverage under one policy?

There is no problem having both of your cars on one policy. In fact, most companies will give you a multi-car discount. We can quote you with several carriers at thezebra.com.

General Insurance

Can you insure a vehicle with multiple drivers on the same policy?

Most insurance companies allow up to four drivers on a single policy. Some companies may even allow a larger number of drivers than that, but four is fairly standard.

General Insurance

Do I have to insure both of my cars if I only drive one of them?

Like most states, Kentucky requires that any vehicle registered in the state must be insured. In fact, Kentucky maintains a database of all registered vehicles in the state and electronically monitors the insurance status of those vehicles.

Eligibility

Is it possible to insure three vehicles with two different companies?

You should be able to find a company that would only insure the other vehicle, if that's what you want to do. However, since there is a base cost associated with each policy it's normally recommended that you combine all of your vehicles on one policy since it's usually cheaper.

General Insurance

Can I insure multiple vehicles with different carriers?

Each company has different underwriting requirements so you should keep shopping to find one that will allow for your situation. It's best to ask carriers about this before starting a quote so you avoid wasting time with a company that will not insure your one car.

Coverage & Claims

Who is at fault in a multi car rear end accident

In a multi-car crash, fault is extremely difficult to determine so I can't tell you with any certainty if you will be held responsible for any damage. I will say that fault can be spread to multiple drivers in these situations (called comparative fault or negligence), but ultimately, fault will have to be determined by the insurance adjuster(s) handling the claim.
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