oregon

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.

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.

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

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.

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

This can depend. Do you have roadside assistance? If so, your winching and extraction coverage would probably be able to help you, depending on the specific details of the coverage.

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

In most cases, you can insure your car on your father's policy but you will have to be listed as a driver on the policy. If you will not be driving the car you will need to listed as an additional interest on the policy for your vehicle.

In order to have a ridesharing policy with a standard car insurance company (such as Geico or Progressive), you have to have a personal policy already established. A personal policy is what the average driver in the US currently has.

There's a couple of things going on here. First, it is going to be hard to find cheap car insurance if you have a lot of accidents on your record.