Coverage & Claims

Can I still file an injury claim separate from a vehicle damage claim?

You are correct. Some injuries may take a while to become apparent. If you are still within the statute of limitations — and the injury was a direct result of the accident — you can reopen the claim to receive payment. 
Jun 19, 2020 Phoenix, AZ

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Eligibility RV Insurance

Do you offer insurance for conversion vehicles?

It will be difficult to find insurance for your modified vehicle. Unfortunately, The Zebra does not offer any insurance carriers that will cover your converted van.
Dec 2, 2019 Phoenix, AZ

Car Insurance Costs

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.
Nov 20, 2019 Phoenix, AZ

Coverage & Claims

Can I file an additional loss of use claim even after the at fault party's insurance has paid for the repairs of the vehicle?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had.
Sep 23, 2019 Phoenix, AZ

General Insurance

Is it possible to purchase insurance on a car not owned by me?

Yes, you can get insurance for a vehicle not owned by you — the best option would be to have your friend add your name to the registration before getting insurance or get your own policy but have your friend listed there as insurable interest. You can also get non-owners insurance, but you should only opt for this if you don't plan on driving the car regularly as it only provides liability coverage, so you won't get full coverage with collision and comprehensive.
Jun 26, 2019 Phoenix, AZ

Coverage & Claims

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.
Jun 26, 2019 Phoenix, AZ

Coverage & Claims

Do I have to pay a deductible if I caused an accident?

If you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle. Liability coverage does not have a deductible, meaning you will only pay a deductible to have your car repaired if your comprehensive or collision coverage pays for the damages.
May 10, 2019 Phoenix, AZ

Eligibility

Is it fraud to list an ex-spouse on your car insurance for a lower rate?

If they are legally divorced then he cannot list her on the policy if she does not drive his cars. If they are not legally divorced then he will need to list her on the policy but exclude her the policy if she is not driving the vehicles.
Feb 17, 2019 Phoenix, AZ

General Insurance

Should I get full coverage from a less well-known insurer?

Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Jan 12, 2019 Phoenix, AZ

Coverage & Claims

Need an SR22 for a state I don't reside in

You can get insurance with an SR-22 for a different state since that is required to get your license reinstated. We can quote you with several different companies that will be able to help you at The Zebra.
Dec 6, 2018 Phoenix, AZ

General Insurance

Getting car insurance after buying a car on Craigs List

This can depend. Buying a car on Craig's List wouldn't impact your ability to get insurance unless the vehicle has been totaled and salvaged.
Jun 18, 2018 Phoenix, AZ
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