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.
Dec 29, 2020 San Francisco, CA

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Coverage & Claims

If I sell my totaled car before an insurance adjuster sees it, will I still be compensated for the claim?

It is best to wait and confirm whether the at-fault party has insurance or not. If they do, the insurance adjuster can take a look at your vehicle and collect the necessary data to move forward in the claim process.
Nov 10, 2020 San Francisco, CA

Car Insurance Costs

Do vehicles that have the IIHS's "Top Safety Pick Plus" award get discounted auto insurance or any other benefits?

Here is how the IIHS defines the rating differences between TSP and TSP+, according to the info found here. "To qualify for 2019 TOP SAFETY PICK, a vehicle must earn good ratings in the driver-side small overlap front, moderate overlap front, side, roof strength and head restraint tests, as well as an acceptable or good rating in the passenger-side small overlap front test.
Aug 12, 2019 San Francisco, CA

Coverage & Claims

Is there roadside assistance options for my house?

This can depend. AAA does provide home locksmith options if you're a premier member up to $100.
Jan 16, 2019 San Francisco, CA

Car Insurance Costs

Can a parent be forced to pay car insurance for adult children?

You should be able to exclude your adult children that are not driving the vehicle. However, every car insurance company has their own restrictions.
Oct 29, 2018 San Francisco, CA

General Insurance

I'm a high risk driver and can't find insurance

If you're a high-risk driver, your best bet is to shop as many companies as possible (see here). As every company has their own risk assessment department, they will view your driving record differently.
Jan 5, 2018 San Francisco, California

Coverage & Claims

Should I pay myself or file through insurance?

In my opinion, you would not benefit from filing a claim since the repair costs are so close to your deductible. Our State of Auto Insurance (page 58) report shows that an at-fault accident in California has an average impact of $899 per year in additional premium.
Nov 29, 2017 San Francisco, California

Coverage & Claims

If I damaged my car 6 months ago, is it too late to report it to my insurance company?

Your delay in reporting the damage should not keep your company from fixing your vehicle. Technically in California, you have 2 years to file a claim for damage to your property.
Jul 27, 2017 San Francisco, CA

Car Insurance Costs General Insurance

Will my insurance company give me a discount for driving a “green” car?

First, let me say that each insurance company is different. While there are many commonalities between companies, especially concerning coverage, it's impossible to guarantee that you will get a discount, much less a lower rate, for purchasing a hybrid car.
Jun 1, 2017 San Francisco, CA
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