Coverage & Claims

If I backed into another person's car (which was sitting in their driveway), should I file a claim if repairs are estimated to be $2,500?

Hello, Since there is no damage to your vehicle, you would not need to file a claim. However, the person that you hit has the option to file a claim.

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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

Who pays if I'm uninsured and a stolen vehicle hit my parked car?

Sorry to hear about your accident. If you're uninsured, your only recourse is to sue the individual who stole the vehicle.

General Insurance

Will non-moving violations impact my insurance premium?

Most companies do not consider non-moving violations as a factor when calculating your rate. But every company is different so you may run across one that will rate on non-moving violations, but it is really uncommon.

Coverage & Claims

Is a police report required when a parked car is hit?

Texas law states you must file a police report if the accident resulted in physical injury (or death) or property damage exceeding least $1,000. If your daughter is filing an uninsured motorist claim (i.e., a hit and run), I recommend filing a police report.

General Insurance

Parked car insurance so I can get tags for my vehicle

There's a couple of things to think about here. First, there isn't really anything for parked car insurance.

Car Insurance Costs
Eligibility

Car insurance for vehicle stored in garage

There's a couple of things to think about here. First, there really isn't anything called storage coverage.

Coverage & Claims
General Insurance

Laws regarding storing a car in Nevada?

There's a couple of things to think about here. Liability laws: In Nevada, just like most states, if the vehicle is registered, you need to have insurance on the vehicle.

General Insurance

Someone hit my partially opened door in a parking space

This can be a tricky situation. Although we're both licensed insurance professionals, only a claims adjuster would able to handle this so that is where I would take my question.

Coverage & Claims

How should I handle a situation where I hit another car but the owner doesn't want to file a claim until next week?

While it is normally up to the party who was hit to initiate the claims process with your insurance company, you can always be proactive and contact your insurance provider to let them know what happened. You can provide pictures and the details of the incident to the claims department, but no repairs can begin until the other party decides to start the process.
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