Ohio

I am sorry for your loss. In terms of handling the auto insurance, every company handles this transitioning period differently.

Most companies, including Progressive, usually bill you ahead of time. Meaning, if you pay your bill on the 1st for the 1st-31st and cancel on the 10th, you would get the remaining days of the months of premium back.

Within your rental insurance is something called Loss of Use Clause, otherwise known as Additional Living Expenses, which might be what you're thinking of. However, this is designed to cover your additional living expenses after a covered loss.

I recommend checking the verbiage of your policy. Some policies have a requirement for forcible entry, while others do not.

There's a couple of things you should consider with renters insurance. First, it not only covers your personal property but also your liability.

Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.

The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.

Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.

You would file the claim since you were driving at the time of the accident. Unless the vehicle is totaled, however, there won't be any payout from the insurance company to anyone other than the repair shop.

Umbrella insurance provides additional liability coverage above and beyond what you have on your auto and homeowners policies. This protects your assets in the event that you are sued for injury or damage that you may have caused to another party for which you are liable.