Ohio

This accident would actually be paid out under your collision coverage because you collided with the tire. Because you only damaged your own vehicle in this single-vehicle collision, it would also be considered an at-fault collision claim.

Every car insurance company is different and has different guidelines so I can't speak to what your companies policy on refunds are specifically. Typically if you cancel your policy within days of starting it, you would receive some form of a refund.

There's a lot of things to unpack here. There's the general concerns: Are you covered to drive your mom's car?

In this situation, you do not need to get the insurance first before you buy the car - you will do them at the same time. I would find a vehicle you are interested in and start shopping for quotes on that vehicle so you can get an idea of how much it will cost.

Yes, to legally drive any car, you must have insurance. Most insurance companies will give you coverage on your new vehicle for about 14 days.

I'm sorry to hear you were struck by a drunk and uninsured driver. Do you possibly have uninsured motorist coverage?

Yes. Using the information you provided, it definitely sounds like you could be considered a covered driver.

An at-fault accident in Ohio raised rates an average of 48% in 2017 according to our State of Insurance. Now, that increase will stay on your insurance record for 3 years - meaning, you will continue to be charged for 3 years.

There are a couple of things to look at here. Your deductible only applies to your collision and comprehensive coverage - which protects your vehicle.

This type of claim would actually be considered a collision claim. Although to answer your original question, a comprehensive claim wouldn't have as much of an effect on your premium as a collision claim would.