General Insurance

Can I drive a truck I'm buying across state lines, without plates, to get it home?

I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated.

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Homeowners Insurance

Can my insurance company replace part of my roof with shingles that don't match?

Insurance companies (depending on your policy and whether you have replacement cost valuecoverage) 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.

General Insurance

Does moving from one insurance company to another raise your insurance premium?

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.

General Insurance

What insurance do I need for driving for doordash?

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.

Coverage & Claims

Who pays for hit and run damage if there's no UMPD coverage in NY?

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.

Eligibility

Does the name on the title affect car insurance rates?

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.

Coverage & Claims

Can my brother use his insurance for damage he caused to my vehicle?

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.

Homeowners Insurance

Does homeowners insurance cover re-stain after claim?

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

Eligibility

How do I handle car insurance for my 40yo daughter?

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.

Coverage & Claims

Will a non-owners cover damage to my mother's vehicle?

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.

Eligibility

Does a vehicle need car insurance if its in storage in New Jersey?

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.
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