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Coverage & Claims

If I hit a tire in the road, is that considered a comprehensive claim?

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.
Aug 18, 2018 Colombus, OH

General Insurance

Why won't my car insurance company give me a refund?

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.
Aug 12, 2018 Cleveland, OH

Coverage & Claims

Can I drive my mom's car to Canada?

There's a lot of things to unpack here. There's the general concerns: Are you covered to drive your mom's car?
Aug 4, 2018 Dayton, OH

Car Insurance Costs

How do i get full coverage insurance with no 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.
Jun 22, 2018 Cleveland, OH

Coverage & Claims

Do I need car insurance to drive a privately bought car?

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.
Jun 21, 2018 Wakeman, OH

General Insurance

Hit by a drunk driver without insurance

I'm sorry to hear you were struck by a drunk and uninsured driver. Do you possibly have uninsured motorist coverage?
May 28, 2018 Stow, OH

General Insurance

Can I drive an insured vehicle if I don't have insurance myself

Yes. Using the information you provided, it definitely sounds like you could be considered a covered driver.
May 26, 2018 Cincinnati, OH

Coverage & Claims

Should a file a claim if I hit a fixed object and damage us $1000 or less?

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.
May 8, 2018 Lebanon, OH

Coverage & Claims

Should I file a claim for a minor accident which cause damage to another persons property?

There are a couple of things to look at here. Your deductible only applies to your collision and comprehensive coverage - which protects your vehicle.
Apr 19, 2018 Massillon, OH

Coverage & Claims

Does my comprehensive claim affect my car insurance?

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.
Apr 13, 2018 Columbus, Ohio
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