Coverage & Claims

MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

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Coverage & Claims

My car was impounded and everything in it was stolen, does my car insurance cover my car's contents?

It depends when the items were stolen and why the car was impounded. If the items were stolen while under the possession of a company or the city, I would feel they are responsible for the recovery.

Coverage & Claims

Someone hit my car while it was parked. Should I file a claim?

It depends on what part of your coverage is used to compensate for the damage. See this guide on when you should file a car insurance claim.

General Insurance

Do I have to add my adult son to my insurance if he'll be driving my car while visiting?

Since your son lives in his own home at college, you will not have to add them to your policy if they drive your car less than ten times per year, with most companies. Some insurance companies offer a discount if you add a college student who lives away from home and has limited access to the insured car and seldom drives it.

General Insurance

What is the cheapest car to have my teenage son drive?

With most companies, all drivers on the policy are covered to drive all cars on the policy. This means vehicles are not typically assigned to a driver.

Eligibility

Can I get car insurance for my vehicle if I don't have a license?

Hello, You will have to have the policy in your name since you are the owner of the car. You will also need to list any person(s) that will be driving the vehicle regularly (more than once a month) as a driver on the policy.

Homeowners Insurance

How do I dispute a homeowners insurance claim?

Sorry to hear about your recent troubles. Unfortunately, to dispute a homeowners claim such as this, the best way forward is to seek legal advice.

Coverage & Claims

Should I have uninsured motorist coverage for all of my vehicles?

Uninsured motorist bodily injury coverage will follow you for injuries you sustain from an uninsured driver. However, uninsured motorist property damage will not cover vehicles that are not on your policy.

Coverage & Claims

Who will the claims check be made out to after accident?

Since the insurance is in his name the check will be made out to him unless you're listed as the additional interest on the policy. An additional interest means you have a financial stake in the car.

General Insurance

Keep coverage on truck worth 4500?

Typically when the car is eight to ten years old (and paid off) we typically do not recommend comprehensive and collision coverage. The reason is that the value of the car is less than what the insurance and deductible can be. Since the car is paid off, the decision is really up to you.

General Insurance

Car insurance rate went up after leaving the country

One of the big rating factors companies look at is whether or not you are currently insured and have been for the past six months. When you canceled your policy to go out of the country, this caused a lapse in coverage.
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