Car Insurance Costs

Can it be cheaper to have two cars on an auto policy instead of just one?

Thank you for your question. This actually happens quite often.

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Coverage & Claims

I have 2 cars insured and bought a new car but got into an accident before I could insure it. Is my accident covered?

Unfortunately, you and the vehicle were not insured during the time of the accident, and if no policy was bound at that time, then you would not have coverage for the accident. Insurance will never backdate and trying to get them to cover an accident that already occurred is considered fraud.

Will carriers see other car insurance policies in my name?

It's likely that your car insurance company will see if you have car insurance with another company. Most carriers run reports for discount purposes to see if you are already insured.

General Insurance

My two kids live at home and drive my cars. Should I give the cars to them and have them handle their own insurance?

If you want to transfer the titles, you can do that through your state's DMV. The kids would list themselves on the policy only and remove themselves from your policy since the cars are no longer under your name.

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.

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.

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.
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