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Coverage & Claims
Motorcycle Insurance

My motorcycle was in the back of my friend’s truck, which flooded and went downstream. Would his insurance cover the motorcycle?

I'm sorry but your friend's insurance company would not be responsible for your motorcycle since car insurance does not cover the contents of the vehicle, which is what the motorcycle would be considered. If you have comprehensive coverage on the motorcycle, your insurance company will likely cover the claim.

Coverage & Claims

Should I take cash for a not-at-fault accident?

If you choose not to go through the insurance company, then it is between you and the other party to work out the details. It is your choice as to how the claim is handled.

Coverage & Claims

I just bought a new car for my daughter, but she had an accident with it before it was added to my current policy.

Thanks for your question. This can be tricky.

Coverage & Claims

If a large item falls from a truck and causes an accident, whose insurance will cover it?

This is a legal matter and I suggest talking further with your own attorney. Your insurance will not cover the claim since you only have liability insurance.

Eligibility

Do I need to get a non-owners policy if I'm borrowing my mom's vehicle?

Hello, If you live with your parents and drive their vehicle more than once a month, they will need to add you to their policy. If you do not live with them and/or you do not drive the vehicle more than once a month, you would be covered under what's known as permissive use (provided you have your parent's permission to drive their car). Good luck and if you have any further questions don't hesitate to ask.

Coverage & Claims

How long do I legally have to get the car fixed after making a claim?

Hello, You are correct about how long you have to file a claim. However, each company is different, so you need to contact your insurance company for specific information relating to your repairs.

Coverage & Claims

What happens when the other driver doesn't have insurance and I only have liablity?

Thank you for your question. I would contact your insurance company.

Coverage & Claims

Will my rate go up if I file a claim for a damaged side mirror?

Put simply, any time you file a claim, there is usually a rate increase. Since you don't know who it is that hit you, you would have to go through your own coverage.

Coverage & Claims

Is a police report required when a parked car is hit?

Texas law states you must file a police report if the accident resulted in physical injury (or death) or property damage exceeding least $1,000. If your daughter is filing an uninsured motorist claim (i.e., a hit and run), I recommend filing a police report.

Coverage & Claims

What options does my daughter have if she had an accident without being listed on her wife's car insurance?

Since your daughter was driving her wife's car, a claim that is filed will likely be denied because you must list your spouse on the insurance policy. You have to list your spouse because they have regular access to the vehicle and you share financial responsibility.
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