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Eligibility
General Insurance

Should I drop full coverage on a 2011 Highlander?

Typically when the car is eight to ten years old (and paid off) we typically do not recommend comprehensive and collision coverage. The reason is that the value of the car is less than what the insurance and deductible can be.

Coverage & Claims

Get insurance involved for $1800 in damage?

The short answer is no but there's a lot to unpack here. First, most insurance companies require you to report any incident, even if a claim is not filed. If he were to file a claim, it would definitely impact his rates for the next 3 to 5 years.

Eligibility
General Insurance

How much is short term auto insurance for honda fit

There isn't really anything for what you're looking for. Most insurance policies are 6 months in duration.

Car Insurance Costs

Should I file a claim after I've been ticketed for an accident?

Based on the fact that you received a ticket for the accident, the accident will be listed on your motor vehicle report (MVR) regardless if you file a claim or not. Having the accident on MVR means that your insurance rates will be impacted even if you pay out of pocket for the accident.

Car Insurance Costs

Rate hike after fender-bender and cell-phone use ticket

There are a few things to consider here. First, getting a ticket for "use of cell phone" will be reported on her motor vehicle report (MVR).

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.

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.

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.

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.

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.
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