new jersey

Insurance companies (depending on your policy and whether you have replacement cost value coverage) are obligated to bring your property back to its previous state, but no better. This, in theory, means that it should be no worse as well.

Switching insurance companies won't necessarily raise your rates as long as it doesn't result in a lapse in coverage. Accidents and violations can stay on your record for up to five years, so your past infractions from six years ago should not affect your rates.

You will need to get a commercial policy since you will be a delivery driver. If you were going to drive for a ride share company you could get a personal auto policy with an endorsement to drive for ride-share.

Uninsured Motorist Property damage is not a coverage that is offered. If the policy has collision coverage you can use that coverage to have the damages repaired.

No, your rates should not change by putting the car in your son's name if he is already listed on the policy. Who the car is registered under does not impact the rate at all.

Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.

Your homeowner's insurance will typically pay to repair the damage to the property. They don't pay to make sure the stain matches.

Since she lives with you and will be driving your car, you will want to add her as a driver to your current policy. This is typically the most cost-effective as well since you already have a policy established.

You can get a non-owners policy if you do not own a car and do not drive a specific vehicle. Since you drive your mom's car specifically, you would need to be added as a driver to her policy.

Every car that is registered needs to have insurance in New Jersey. Since you are not driving you can keep the state minimum liability on the vehicle.