new york

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.

You really need to contact MVAIC to ask what is considered acceptable proof. The police should be able to provide you with a police report.

Having a lapse in coverage and an accident will likely cause a high increase in your premium. Once you've had insurance again for six months, without a lapse, your rates will start to get better.

Your renter's insurance policy only covers your personal property and personal liability - not the property or displacement due to an issue with the dwelling. Since it is an issue with the dwelling, your landlord should have coverage for this type of issue on their policy.

Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.

Waiting until you're 30 will not really impact your rate. The bigger rating factor will be your lack of insurance history.

When there is an animal involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car.

Unfortunately, as long as the car is registered and still has plates, you have to maintain insurance on the car. There really is no way around it.

There are several companies that will insure you with an International driver's license. Keep in mind most company will add a surcharge onto the policy because they will not be able to verify your driving history.

Every insurance company is different when it comes to home claims. Any claim that is filled will impact their rate and as you mentioned you can even be dropped by your insurance company.