Coverage & Claims

What are the coverage limits on comprehensive and collision?

Thanks for the question! This is because the limits for these coverages are variable. At the point of a claim, the maximum an insurance company will usually pay is the actual cash value of the vehicle unless stated otherwise. 
Jun 3, 2020 Omaha, NE

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Coverage & Claims

If I have a gap in insurance, is it better to join my girlfriend's car insurance?

It's certainly possible that being added to your girlfriend's policy could be cheaper. For instance, if you live with your girlfriend and she has an established policy (and a good driving record) she will likely have a better rate for having continuous insurance.
May 15, 2019 Omaha, NE

Coverage & Claims

Garage doors damaged

Only file a claim if the damages are so bad that you can't pay out of pocket to get the car and garage fixed. If you file a claim, you will get stuck with an at-fault accident on your record for 3 years.
Jul 4, 2018 Omaha, NE

General Insurance

What does Personal Injury Protection really mean?

Medical payments will pay for your injuries no matter who is at fault in the accident and can pay for the injuries of the other passengers in your car as well. Typically, you will only be paid for the cost of the injuries within the limits of the other person's liability limits.
Jun 24, 2018 Omaha, NE

Coverage & Claims

Should I contact the police and insurance company days after I rear ended a car?

It is unlikely that the other driving contacting the police days after the accident will result in any citation. Unless they were called to the scene, they probably won't even be able to write an accident report.
Dec 5, 2017 Omaha, Nebraska
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