Car Insurance Costs

Will my personal car insurance rate increase if I had an accident that was covered by a commercial policy?

Whether or not your insurance company paid anything for your accident, the incident itself will most likely be listed on your CLUE report. If a police officer wrote an accident report then it will likely be listed on your MVR as well.

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Coverage & Claims

If I was driving a company van and backed into a vehicle, can I use my personal insurance to cover the damage?

Technically insurance coverage follows the vehicle so you should be filing a claim with the company that insures the vehicle you were driving. If you attempt to file a claim with your personal insurance company, they are going to investigate the vehicles involved and that would quickly lead to them denying the claim.

Coverage & Claims
Homeowners Insurance

Will the personal property coverage on my homeowners insurance cover my engagement ring?

Most homeowners insurance policies cap their jewelry well below the value of your engagement ring. In this case, it's not about raising the value of your personal property but rather getting specific coverage for your ring.

General Insurance

How do I estimate my insurance rate if I don't want to provide personal info for a quote?

We have published a State of Insurance report that shows average rates for various scenarios. You can use that guide as a general rule of thumb, but ultimately the rates available to you will be specific to your information.
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