Coverage & Claims

I was driving my friend's car and his car wasn’t insured but I am insured under my own policy. Will my insurance cover it?

Your insurance policy won't cover the damage to your friend's car — it's only your liability coverage that follows you as a driver. Since you're not at fault, I recommend that your friend contact the at-fault party's insurance to get the car repaired.
Oct 6, 2019 Tampa, FL

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If my insurance company back pays upon cancellation will it look like a gap in my coverage?

Your new insurance company will not make you back pay when you start your policy. However, having a lapse in coverage does increase the rates.
Jun 14, 2019 Tampa, FL

Coverage & Claims

What happens if you total a rental car?

The answer depends on your insurance coverage. If you do not have insurance you will likely be responsible for the cost of the vehicle.
Dec 16, 2018 Tampa, FL

General Insurance

Should I register my vehicle in the state I attend college in?

It depends. Obviously, you want to get the insurance in the state that the car is registered in.
Sep 24, 2018 Tampa, FL

Homeowners Insurance

Cost of sinkhole coverage in Tampa, FL

Florida currently requires homeowners insurance policies and by extension insurance companies to offer coverage for what they call “Catastrophic Ground Collapse,” which may not actually cover damage caused by a sinkhole. Catastrophic Ground Collapse coverage differs from sinkhole insurance by requiring four standards be met before an insurance company will cover your loss: The ground collapse must be abrupt The depression of the ground cover must be clearly visible to the naked eye Structural damage must occur to the building covered on your insurance policy (this includes the foundation) The structure must be condemned and ordered to be vacated by the government agency authorized to issue such an order for that structure If you sustain a sinkhole on your property but don’t meet those criteria, you could be faced with a financial catastrophe. Your home could be damaged, but not severely enough to warrant a “condemned” status, leaving you with a huge repair bill and no coverage.
Aug 1, 2018 Tampa, FL

Coverage & Claims

If I am hit by an uninsured driver in Florida, will my insurance company pay to fix my car?

Uninsured Motorist coverage in Florida only applies to bodily injury that you and your passengers may suffer after being hit by an uninsured driver. Since that coverage only applies to injuries then your policy would have to include collision coverage to receive any payout for damage caused to your car by an uninsured driver.
Nov 6, 2016 Tampa, FL

Coverage & Claims Eligibility

Do we need to buy coverage from the rental car company or will our insurance policy cover us?

It is more than likely that your insurance policy will extend to a vehicle that you rent based on the coverage you currently carry. However, you should check the fine print on your policy or call your company to be absolutely sure.
Jun 21, 2016 Tampa, FL

General Insurance

Should I use a local agent or shop directly with an insurance company to buy my policy?

We live in a time where the world is made smaller by technology but that doesn't always mean that using that technology is the best route to go. You can purchase insurance online, but you may not understand differences in coverage or insurance jargon listed on the site.
May 2, 2016 Tampa, FL
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