Coverage & Claims

Do I still need to pay my monthly premium if my car was totaled?

Sorry to hear about the accident. You should have no need to insure the vehicle further.
Jun 17, 2020 Richmond, KY

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Car Insurance Costs

Why are my parents' driving records affecting my premium?

You should be able to get your own plan. Because you are in New Jersey, all people in the same household must be on the policy unless you can show proof the other people you live with are insured elsewhere.
Feb 10, 2020 Palisades Park, NJ

Car Insurance Costs General Insurance

My insurance company sent me a non-renewal notice. Will this affect my premiums going forward?

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.
Feb 3, 2020 Jacksonville, FL

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.
Jun 28, 2019 Boston, MA

Coverage & Claims

Will using Med Pay increase my insurance premiums

As a general rule, any claim that is filed with your auto insurance company can increase your rates, even if it's just medical payments. If you are interested in finding out more about Med Pay, have a look at our article for more information.
May 15, 2019 Eau Claire, WI

General Insurance

Does moving from one insurance company to another raise your insurance premium?

Switching insurance companies won't necessarily raise your rates as long as it doesn't result in a lapse in coverage. Accidents and violations can stay on your record for up to five years, so your past infractions from six years ago should not affect your rates.
May 7, 2019 Roebling, NJ

Car Insurance Costs Coverage & Claims

Will requesting roadside assistance impact premium increases in the future?

Unfortunately, using your roadside assistance is considered a claim since you are using coverage on your policy. Most insurance companies will allow you to use your roadside assistance three times.
Apr 6, 2019 Madison, AL

Coverage & Claims

Can Hanover insurance raise my premium for an at fault claim if I decide not to pursue it and nothing is paid?

Your agent is correct. Reporting a claim will still impact your rate for up to three years.
Jan 15, 2019 Kalamazoo, MI

Coverage & Claims

What happens to the rest of future premium if policyholder dies?

The estate should get a refund on the prorated premium that was paid for before the policy canceled. You will need to contact the insurance company right away to cancel the policy.
Dec 30, 2018 Cincinnati, OH

Coverage & Claims

Will a hit and run impact my car insurance premium in CA?

Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
Sep 30, 2018 Perris, CA

Car Insurance Costs

Which sedans are considered sports cars?

All cars are rated differently with each company. There is no definitive answer as to which cars will be rated higher or lower based simply being a sedan.
Sep 27, 2018 Tyler, TX
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