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General Insurance

Will an insurance company tell me if someone has paid a loan off?

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.

Coverage & Claims

I was rear-ended but the driver drove off before we exchanged information

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.

Coverage & Claims

Who is at-fault when parking spot stopper had bolts sticking out of it?

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.

Coverage & Claims

Can I file a claim with the "At fault" insurance company and have the repair check made out in my name if the car isn't registered to me?

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.

Coverage & Claims
General Insurance

Is it necessary to get umbrella insurance with uninsured / uninsured coverage?

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.

Coverage & Claims

If my son hit a deer and crashed into a ditch, should I file a claim?

If your son hit a deer and that is what caused him to go into the ditch then the accident is likely to be considered a comprehensive claim rather than a collision. Comprehensive claims generally don't impact rates as severely, if at all, the way a collision claim would if he had hit another driver.

Homeowners Insurance

Does the name on my insurance policy need to match the name on my mortgage loan and deed?

Generally speaking, that shouldn't be an issue for your homeowners insurance company. For the sake of avoiding any sort of confusion down the road, however, it may be beneficial to update your existing accounts with your mortgage provider.

Coverage & Claims

If my car was stolen and set on fire, will my car insurance cover the personal items inside the vehicle?

Your personal items would have to be claimed on your homeowners or renters insurance policy to be covered. Auto insurance does not cover personal items; only your vehicle.

General Insurance
Renters Insurance

Should my roommate and I get separate renters insurance policies?

Renters insurance is generally inexpensive, but splitting the bill may save a few dollars. Consider, however, that you will also be splitting the amount of coverage on the policy, so your personal items will both be covered at half the listed amount.

General Insurance

Who pays for the repair on a rental vehicle involved in a hit and run?

Once the deductible is paid then the insurance company covering the vehicle would complete the repair. If the $2,700 comes from "loss of use" fees, since the vehicle is out of commission and can't be rented out, then the driver filing the claim may have to pay for those fees out of pocket.
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