My 4-year-old daughter was in a car accident awhile back with a friend who has car insurance, am I able to still file a claim through her insurance?
You should still be able to open up a claim for any injuries or medical visits resulting from an accident. Specifically, in Tennessee, you have three years to make property damage claims and one year for injury claims.
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Can an insured driver use their insurance to cover an uninsured vehicle after an accident?
No. Car insurance follows the vehicle, not the driver.
Husband is in prison, how do I handle the car insurance?
You can exclude your husband from the policy if he is not driving the car. This means he would not be covered to drive but his driving history and status would not impact your rates.
One deductible for two accidents?
Unfortunately, you would have to file a claim for this damage under two collision claims. Now, most insurance companies will continue to charge you for an at-fault accident (which these would be considered for) for 3 years.
What should I do with my insurance if my car is repossessed?
Since you no longer have possession of the vehicle then technically you could cancel your policy. It's important to keep in mind, though, that if you have been continuously insured for 6 months or more you will lose a discount if your policy cancels.
Is there any way to keep a claim off of my friend's record?
You could always claim the accident as if you were driving but I highly recommend that you avoid lying to your insurance company. If you file a claim, they are going to want to know what happened so there won't be any way to avoid involving your friend other than being dishonest.
Do I buy a car first or insurance first?
This can be a bit confusing your first time around so I should be able to help. Your best bet is to first determine which vehicle you will be purchasing.