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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.

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.

Coverage & Claims

Who pays for ticket when you drive someone else's car

At the end of the day, the ticket will still need to be paid. It is great that you have insurance, which should've covered you in an accident.

Eligibility
General Insurance

Car insurance with a suspended license

Your best bet for finding insurance is to speak with a local independent agent. These agents are licensed to write unique policies and might be familiar with companies in your area that will issue suspended-license car insurance.

Coverage & Claims

Can someone file a claim if it’s been 4 days and there are no pictures from the accident?

The statute of limitations for property damage claims in Oklahoma is 2 years. So, yes she can.

Coverage & Claims
General Insurance

If I hit my own car with a vehicle I was borrowing, should I pay for the damage out of pocket?

Normally when you borrow a car and have an accident, the insurance on the car you were driving is what pays for damage that you cause. What makes the situation more complicated is that you own the vehicle that was hit.

Coverage & Claims
General Insurance

Will I be able to get a new car after an accident?

Unfortunately the license and insurance status of a driver does not play any factor in determining fault after an accident, so your insurance company should be the one covering your damage. If your vehicle was totaled then you should receive a payout for the value of your car minus your deductible.

General Insurance

Do I have to keep insurance on my truck it is is only driven on the farm?

If the truck is paid off and is only driven on your personal property, you are not required to insure it. The state will require that you register and insure it if you plan to put it on the road, but you won't need to until that point.

General Insurance

Do I have to file a claim if I was not at fault in an accident?

You still will have to file a claim; it doesn't automatically happen. If the other driver is accepting fault then you can contact their insurance provider to begin the claims process.
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