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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.

Eligibility

Can I insure my daughter's car on my policy without listing her as a driver?

It sounds like she would be regularly driving the vehicle, since she will be using it to get to work, so she will need to be listed as a driver. Premium avoidance, not listing someone who regularly drives a vehicle, can cause your insurance company to cancel your policy.

Coverage & Claims

Can I file a claim for a warranty issue?

If the damage was caused by you driving into the water then you should be able to file a claim. If it is a warranty type of issue then your insurance policy won't cover it.

General Insurance

Should I buy an umbrella policy?

If you currently own your home and/or other high value assets, it's probably a good idea to consider an umbrella policy to protect yourself in the event of a lawsuit. Deciding whether or not to purchase an umbrella policy is a judgement call, but it would provide you with additional liability coverage up to a minimum of $1million.

Car Insurance Costs

Do I really have to pay 2 months in advance for my car insurance?

There is no set dollar amount for a starting payment as rates vary by company and situation. It is common that your initial payment is more expensive if you were without insurance before you begin your new policy.

General Insurance

If my license was previously suspended but has been reinstated, will this affect my insurance?

Your rate may be impacted by the prior suspension if it was within 3 years of the start date of a new policy, but each company is different so there is also a good chance that it won't have any impact. If you speak with an agent in person or over the phone you may want to mention the suspension but also note that it is currently valid to avoid any confusion since the driving report is run at the time that you purchase your policy and not when you get a quote.

Coverage & Claims

Should we go through our insurance to fix my brothers car?

You should check your insurance policy to see if that vehicle has collision coverage. If it does, your insurance company is very unlikely to deny the claim simply based on these details.

Insurance Companies

Do car insurance companies share information?

The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.

Coverage & Claims
Driving History

Can I reinstate a cancelled policy?

It is certainly possible that your insurance company will allow you to reinstate your policy, but there is likely a cut-off date so you should contact them ASAP to inquire about reinstating your coverage. Often times when a policy is cancelled for non-payment, the customer has a grace period to make payment and keep the policy active.
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