Coverage & Claims

Am I able to buy insurance now and use it to file a claim for a not-at-fault rental car accident?

Insurance never works retroactively; it goes by the effective date stated on the policy. Any incidents that happened prior to the date of binding will not be covered.

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Coverage & Claims

Are excluded drivers covered if they're not at fault for the accident?

If the excluded driver was driving but another party hits them, the at-fault party is still responsible for paying for the damages. Had the accident been caused by an excluded driver, the insurance company is under no obligation to honor that claim.


What company will issue me an SR-22 with 2 PIP claims?

I'm unaware of a specific company that will insure you with 2 PIP claims, but if you can't find an insurer, you can look into the Florida Automobile Joint Underwriting Association (FAJUA). They help people get insurance when they have no other options.

Coverage & Claims

Do I need to file a claim if the other driver's insurance is taking care of it?

Since she will be filing a claim, you do not need to file a claim. Her insurance company will be the one that pays for the damages.

Coverage & Claims

Do I need to inform my insurance or can I just call at-fault party's insurance?

Most insurance companies require you to inform them anytime there is an accident. Typically when someone backs into you, their insurance will pay for the damages.

Coverage & Claims

Why is my CDL license being penalized for an accident I was not involved in?

If the policy was in your name when the accident occurred, the accident will show up on your claims history as an at-fault accident. The reason this shows up is your responsible for claims that are paid out on behalf of your policy.

Coverage & Claims

Not at fault accident on commercial policy affect my personal policy?

Typically when you are hit from behind you are found not at fault in the accident. Since the accident will be listed under your companies insurance policy, it should not impact your record.

Coverage & Claims

Why did my premium increase if there was no claims payout?

There are many different reasons that your insurance rates can increase. Sometimes there is even more than one reason the rates go up.

Coverage & Claims

Will my premium go up if I file a claim where other guy was at fault.

When your insurance pays out on a claim, it can impact your rates for up to five years. Since he was at fault, they may not go up as much as they would if you were at fault. Here is more information on the insurance laws for Michigan.

General Insurance

Do I have to be paid out of pocket for an insurance claim?

To answer your first question, it is not too late to file a claim. The statute of limitations for property damage claims in California is two years.

Coverage & Claims

Can I file a car insurance claim on someone else's policy?

Although you might not have to file a claim with your insurance company, you will probably have to report the accident to your insurance company. Most insurance companies outlined in their policies that all accidents need to be reported - regardless if a claim isn't filed.
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