Coverage & Claims

Should I file a claim if I got hit and am not at fault but settled for an amount less than I actually need?

Hello, My advice would be to contact your insurance company. They can begin negotiations and work on your behalf to get your vehicle back to its pre-accident state.

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General Insurance

Can I get accident forgiveness after an accident?

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.

Coverage & Claims

My car got damaged by a hit and run vehicle that was be driven by a family member. Who pays for the damage?

This can be a tricky situation. If there is a police report and proof the vehicle was stolen, usually your claim will not be covered by the owner of the vehicle's insurance.

Coverage & Claims

If a mechanic started my car on fire and caused damage, should I alert my insurance company?

I'm sorry to hear about your accident.
There are a couple of things to think about here.

Motorcycle Insurance

Do I have to be under my wife's auto policy if I have my own motorcycle insurance?

Hello, Put short, yes, you must be listed on your spouse's insurance policy. However, if you never drive her vehicle (and see yourself doing so in the future), it's likely that you can have yourself excluded from her policy.

Eligibility

Is there any auto insurance that better suits drivers with an international driver license?

I wish insurance were that easy. There are many different factors that go into calculating your rate.

Homeowners Insurance

Is there a vacancy clause in an HO 3 form for for coverage A and C?

I'm sorry, but this is a policy specific question since the vacancy clause is an endorsement (addition) to your policy to add further coverage. You'll need to contact your insurance company for the specific answer.

Eligibility

If I'm looking to get renters insurance on a short-term Airbnb rental, what's the best way to go about it?

I certainly understand your concern, but you cannot get a renters policy for an Airbnb you are temporarily residing in. If you have a renters policy for your current address, your liability coverage will cover any damage you cause to the Airbnb (up to your liability limit).

Coverage & Claims

Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?

While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.

General Insurance

What are my options if I am paying over $700 a month in car insurance?

Unfortunately, it would appear that your girlfriend's insurance company sees her as a high-risk driver. This would explain her coverage being dropped and the new policy having expensive rates.

Eligibility

How can I enroll just my child to another insurance policy while I stay with Geico?

This can be tricky. My best recommendation is simply to contact GEICO.
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