Eligibility
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Will my insurance company drop me for not changing my address when I moved?

Hello, Insurance regulations are very state-specific. Therefore, when you move to a different state, you have to get a new policy.

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Insurance Companies

Can I get short-term rental car insurance for a van modified for mobility?

Hello, Unfortunately, we do not have any companies that will provide insurance for only two weeks. I'm unaware of any company that will, as most policies are six months or twelve months.

Coverage & Claims

Should I file a claim if my car was side-swiped?

Sorry to hear about your situation. There are several factors to consider before filing a claim.

General Insurance

Why do I need car insurance if my vehicle is in the garage?

Your agent is correct. Since the car is still registered, you legally have to maintain the minimum liability requirements for the state of Rhode Island.

General Insurance

My tree damaged a neighbor's swing set?

In most cases, it would be your insurance that pays for the damages. The reason being, the limb came from your tree and it's your responsibility.

Eligibility
General Insurance

Which insurance companies insure foreign licenses?

Since the car will not be registered in your name, the owner of the car will need to add you as a driver to their policy, instead of you getting your own. If your friend's current company will not accept a foreign license, then they will need to shop around to find something you can be added to.

General Insurance

I was in a zip car and got into a not-at-fault accident

If you have a police report with the at-fault party information on it, it's very likely Zipcar will contact them for the damage. However, I would check the insurance information you signed up for to see how you could be charged.

General Insurance

A drunk person fell on my car, am I covered?

The decision will really be up to you. If they want to pay out of pocket I would take it to a shop you want and trust and get the estimate.

Coverage & Claims

If I'm involved in an accident with a passenger in my vehicle, are they covered?

In the state of Rhode Island, medical coverage is not a legal requirement to meet the state insurance law so it is optional. "Full Coverage" refers to coverage for damage to your vehicle and doesn't necessarily include any other extras like rental car, roadside, or medical.
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