Texas

Having prior insurance as a rating factor tells the insurance a few things. One, will you be able to maintain a policy?

There's a couple of things to think about here. First, there really isn't anything called storage coverage.

I'm sorry to hear that happened. I would feel awful as well.

Although lots of car insurance companies advertise "name your price tools," it doesn't really work that way. Your car insurance quote is based on a driving profile made of driving and non-driving factors.

There are several things to think about here. First and foremost, no - the percentage that you were at fault will not make a difference in how your insurance rates are impacted.

Although you have separate car insurance policies, your mutual assets would still be at risk because you are married. Your husband's car insurance would be the one to pay for the damages but if the damages exceed his policy limits for liability then your husband would be responsible for the remaining damages.

Unfortunately, fault can only be determined by the claims adjuster assigned to the accident. However, for the other part of your question, because you were driving your company's vehicle on company time, if you were to be found at fault then the company's insurance would take cover the damages.

There are a couple of things to think about here. First, although you have comprehensive coverage, this wouldn't apply to this situation because another vehicle caused the accident.

There are a few different factors to consider. First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed.

This can be tricky because it will depend on how your policy is written. I would look at the details of your car insurance policy and see if "permissive users" and "permitted drivers" are covered.