Coverage & Claims

What options does my daughter have if she had an accident without being listed on her wife's car insurance?

Since your daughter was driving her wife's car, a claim that is filed will likely be denied because you must list your spouse on the insurance policy. You have to list your spouse because they have regular access to the vehicle and you share financial responsibility.

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Coverage & Claims

If I have only the minimum insurance, PIP & liability and have an accident not involving any other cars, will my car’s damages be covered?

Unfortunately, your insurance company is correct. Since you only have liability, your insurance company would only pay for damages to others.

Homeowners Insurance

In a state of emergency, does my insurance company have to help me if I have flood damage but no flood insurance?

If your home and basement were damaged by water that wasn't attributed to an actual flood then you will likely be covered by your company. Unfortunately the declaration of a State of Emergency doesn't mean that your policy applies any differently; especially since flood insurance is provided by FEMA and not a part of your actual homeowners insurance policy.
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