texas

If the other party handled this claim on their insurance because you were not at fault, the claim should not affect your insurance rates or quotes going forward. If you decide to proceed with an application and do not disclose this claim, the insurance company’s underwriting department may find this regardless of whether you told them or not.

You can file a renters insurance claim without receipts, but you should keep an up-to-date inventory of your personal belongings with photos and get an appraisal for big ticket items. Your insurance company will let you know what all would be covered under your policy and if you would be reimbursed actual cash value or replacement cost for property lost.

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.

Sorry to hear about that. It sounds like you would only pay the 2% deductible and insurance should handle the rest.

Per state requirements in Texas, you only need liability to be legal. If the vehicle has significant value or is newer, I highly recommend getting comp/collision to protect her vehicle as well.

Hopefully, you will not need to file a claim, but insurance will follow the effective date. If your policy takes effect January 1st, 2020, then that is the first date that a claim would be honored.

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.

If it's part of a common area, the homeowners association (HOA) would be responsible for maintaining those areas. Since this is a safety issue, I'd bring this up with your HOA about making improvements.

This situation could cause a few issues. You cannot insure property that you do not own.

It's not likely that any rental company will allow this. Most car rental companies require drivers of their vehicles to be at least 25 years old.