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Coverage & Claims

Someone jumped into my car on purpose

This can be a tricky area. Although the parent's admitted fault to you, they might not to an insurance company or on a police report for fear of what might happen to their child.
May 22, 2018 Jersey City, NJ

Eligibility General Insurance

Does roadside assistance cover people not on your policy

I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
May 10, 2018 Jersey City, NJ

Eligibility General Insurance

Will my farmers insurance cover my towing off the the NJ turnpike

Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
May 3, 2018 Woodland, NJ

General Insurance

Do I have to add my son with a permit to our insurance

I would recommend speaking with your insurance company regarding their specific rules. But, given him using the vehicles often, I would imagine they will require him to be an added driver to the policy.
Mar 30, 2018 Somerset, New Jersey

General Insurance

I didn't tell my insurance company I was ridesharing and got into an accident

If you do not have a rideshare endorsement on your policy, they might deny the claim. Insurance companies like to know all the risks they could potentially be exposed to and ridesharing presents a big one.
Mar 26, 2018 Jersey City, New Jersey

Coverage & Claims

What to do if fault can't be determined in a car accident?

Fault can only be determined by the insurance company. So, in this situation, the only way for the damage to be repaired would be to contact both insurance companies and handle it through their claims department.
Mar 19, 2018 Randolph, New Jersey

Coverage & Claims

Will my insurance company total my vehicle after damage

For New Jersey, a vehicle is determined to be a total loss if the cost of repairs plus the scrap value of the vehicle is greater or equal to the actual cash value of the vehicle. Because you know the value of the repairs, your next step would be to determine the value of your vehicle.
Mar 15, 2018 Linden, New Jersey

Coverage & Claims

I don't have enough money for damages I caused

If you cannot pay for the $600 out of pocket, your only other resource is calling your insurance company. This would be considered an at-fault accident and will most likely raise your rates.
Jan 19, 2018 Morristown, New Jersey

Coverage & Claims

Does hitting a fixed object cause my premium to rise?

This type of claim would be considered a collision claim, which usually causes your premium to rise. In New Jersey, at-fault collision claims caused premiums to rise by an average of $1200.
Dec 16, 2017 Dumont, New Jersey

General Insurance

What can I do about fixing incorrect information on my driving record?

It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
Sep 24, 2017 Swedesboro, NJ
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