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.

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General Insurance

If my dad purchased a car and put me on the insurance policy, can that be revoked when he dies?

If your dad were to pass during a term that was paid for, you would not be removed. The insurance plan would end at the expiration date and you would then need to find yourself a new plan.

Car Insurance Costs
General Insurance

My husband and I want to co-own or lease a vehicle with a friend, and we both have teen drivers. How would insurance work?

This is a unique situation, but one that you can still work around. If you finance or lease the vehicle, you will need to use the same address for the vehicle and the insurance policy.

General Insurance

Can the insurance company take the car if I owe them an outstanding balance?

The insurance company absolutely can not take a vehicle from a customer due to an owed balance. The only party that would be capable of repossession would be any kind of lien on the vehicle.

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.

Car Insurance Costs

Am I being overcharged for my policy?

Many companies require that if you are married and live with your spouse, you must list them on your policy as a driver, whether they drive your vehicle or not. Since your wife is not licensed, I would suggest shopping around for a policy with a company that does not require that spouses be listed.

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.

General Insurance

Do I have to list my spouse on my policy even if we are separated?

Depending on the state you live in, some carriers will ask that you list a legal spouse on the policy, even if you are separated. Others will allow you to exclude a spouse from your policy completely.

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.

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.

Eligibility

Can I add a driver who lives with me but is not my child to my policy?

You should have no problem calling your company and having that change made. Most companies would prefer you to combine all drivers in the same household.
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