General Insurance

I want to get my own car insurance, but my mom won't let me.

Because your mother has an umbrella policy through AAA, she is likely required to have you rated as a driver on her policy. This is a common requirement with insurance carriers who offer umbrella insurance.
Jul 21, 2022 Danville, CA

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General Insurance

I live with mom and we have an umbrella policy and a car insurance policy. I want to switch companies but mom says I can't.

When it comes to having an umbrella policy, anyone is able to purchase one. However, there are certain qualifications you are going to need in order to purchase one.
Jul 13, 2021 Danville, CA

Coverage & Claims

If my policy ended before they sent me a check for a totaled vehicle, do I still need to pay for another policy?

If you no longer have the vehicle and you don't intend on insuring a new vehicle with the same company, you should be able to back date cancel it to the day after the accident. Your best bet is to call your carrier’s customer service line and see what they can do for you.
Nov 24, 2020 Broomfield, CO

Coverage & Claims

Does my personal auto policy cover a company construction vehicle?

Since you were driving your company’s vehicle, your personal auto policy would not apply. A company vehicle like a backhoe or other construction vehicle should be covered under the company’s commercial auto policy.
Nov 9, 2020 Canton, OH

General Insurance

It’s my first time getting my own insurance policy after being covered under my parents’. What do I do?

If you were listed as a driver under your parents’ policy, you would be considered covered by insurance for however long you were on their policy. Be sure to shop around for your new policy before your parents remove you from theirs to avoid a lapse in coverage.
Nov 9, 2020 Jacksonville, FL

General Insurance

How do I determine if I need an umbrella policy?

If you have assets you are trying to protect and have maxed out your liability limits, I would recommend getting an umbrella policy. They tend to be very inexpensive and will offer more robust coverage.
Nov 3, 2020 Austin, TX

General Insurance

If my girlfriend and I get auto insurance together (we live together) does it matter who the main owner of the policy is?

You will both need to be listed on the insurance policy to be eligible drivers. I would put the main policyholder as whoever will be the titleholder and registering the vehicle.
Dec 22, 2019 New York City, NY

Eligibility

If I buy a car right before I move states, do I have to get an insurance policy in the state I bought it?

If you will be registering and living in South Dakota, then you will want to get an insurance policy for the address where you'll be living in that state. Insurance needs to be in the state that the vehicle is registered in.
Oct 22, 2019 Prescott, AZ

Car Insurance Costs

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.
Aug 14, 2019 Boston, MA

General Insurance

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
Aug 12, 2019 Miami, FL

Coverage & Claims

How many cars can I have on my progressive policy?

Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Jul 14, 2019 North Chesterfield, VA
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