General Insurance

How do I determine if I need an umbrella policy?

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.

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Coverage & Claims

Do I have to pay the 2% plus my standard deductible if I had a house fire?

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

Coverage & Claims
Eligibility

If I give my daughter in Texas my car, does she need full coverage or liability?

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.

Homeowners Insurance

How soon after switching home insurance policies can you make a claim?

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.

Car Insurance Costs
General Insurance

Will an unreported car accident affect my premium?

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.

Condo Insurance

Who is responsible for installing a handrail in a strata condo complex?

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.

RV Insurance

Can I insure an RV bought from a friend if the loan is in her name?

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

Eligibility

Can I rent a car for my grandson to drive?

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.

Coverage & Claims

Should I file a claim with their insurance company or mine?

In this case, if they opened a claim on their own insurance they are likely admitting fault. I would also open a claim against their insurance.

Eligibility

Do I need to report a fix-it ticket when applying for new auto insurance?

As long as your license wasn't suspended as a result — or other violations that affect your driving record — you do not have to report fix-it tickets to your insurance company. Insurers typically will only rate against moving violations that show up on your motor vehicle record (MVR).

Coverage & Claims

Is it illegal to carry liability insurance rather than full coverage on a financed vehicle?

Though it's not illegal, you will be violating terms of your loan if you change the breadth of your coverage in favor of liability-only. Your lienholder will then force-place collateral protection insurance to your monthly payments.
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