General Insurance

Can there be different deductibles for comprehensive and collision?

Some companies will allow you to have different deductible amounts for collision and comprehensive — and some people prefer to have a smaller deductible for comprehensive than collision. If you have any questions, feel free to ask.

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Coverage & Claims

My car was hit by a drunk driver that ran off. Why do I owe a deductible if my car was damaged in a hit and run?

Your insurer should not at all be listing you as the liable or at-fault party in a hit-and-run claim. I recommend contacting your insurance company to ensure they are filing the claim accurately.

Car Insurance Costs

I receive SSI and SNAP benefits as well as income from work and just got my driver's permit. Does my state offer low-income insurance?

Unfortunately, Oregon is not one of the few states that offer special insurance programs for low-income individuals and families. The average annual premium in Oregon was $1,463 — a tad lower than the national average of $1,548.

Coverage & Claims

Does insurance cover someone helping me get my keys out of my locked car?

It would be covered if you have roadside assistance as part of your coverage. If you only have the minimum amount of liability coverage, it's likely you won't have coverage for a lockout situation.

General Insurance

Can force-placed auto insurance be removed/refunded from a loan? If so, to what extent?

Yes, you should be reimbursed if you were actively insured during that time. I would call the carrier you had and make sure the lien info is listed correctly, and then obtain all declarations and a letter of experience.

Coverage & Claims

Is it considered an at-fault accident if I hit a tree?

This is considered a single-vehicle accident which is considered at-fault. Unfortunately, in this instance, insurance companies would prefer that you not swerve to avoid a collision.

Eligibility

How can I get my daughter removed from my insurance?

Thanks for your question. Since she is receiving her mail at your address, that is considered her residence.

Eligibility

I'm listed as the primary driver instead of my wife, but I've never driven or had license in 71 years. Should I be charged as a driver on the policy?

Hello, Your wife should most definitely be listed as the primary insured on the policy since she is the primary driver. Since you do not drive, you can be excluded.

Coverage & Claims

Should I file a claim for raccoon damage?

If you hit a raccoon, that would be considered a comprehensive claim. Your deductible would apply.

Coverage & Claims

Will my insurance cover my vehicle to be towed out of a hill?

This can depend. Do you have roadside assistance?

Coverage & Claims

Why did my rate increase for a $25 towing claim?

Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.
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