Compare auto insurance rates and save up to $670 per year!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Coverage & Claims

Can I be compensated for repairs prior to a car being totaled?

So the answer, as you might expect, is a bit complicated. If the insurance company initially set up you up with a rental and it took them 3 months to declare the vehicle a total loss, the insurance company may be responsible for covering the additional 2 months worth of rental charges.

Coverage & Claims

If I have an open claim on a totaled car, how do I handle the insurance?

There's a couple of things to think about. First, canceling the coverage on this vehicle will not cancel the claim. As long as the policy was active at the time of the accident (which it sounds like it was), you should be fine. Second, if your car is totaled, you can cancel your insurance if you are not getting another car in the near future.

Coverage & Claims

What model car can I pick to get the cheapest insurance rates?

The cheapest type of car to ensure is typically an early 2000's four-door sedan. You want it to be a car that you are not making payments on that way you do not have to carry comprehensive and collision coverage.

Coverage & Claims

Is legal to file two separate claims for same injury?

When you file a claim for an injury, the party responsible for the injury would be the company to pay for the claim. If you had another injury from the second accident you will be able to file a claim.

Coverage & Claims

If I have only the minimum insurance, PIP & liability and have an accident not involving any other cars, will my car’s damages be covered?

Unfortunately, your insurance company is correct. Since you only have liability, your insurance company would only pay for damages to others.

General Insurance

Can someone with insurance cover damage caused by an uninsured driver?

Unfortunately the answer is no. The driver/owner of the vehicle is responsible for the damages.

Coverage & Claims

What is a crash form?

A crash report is specific to Texas and offers if there's an accident in which $1,000 or more of damage occurred and a police officer was not there. You do not have to file a claim.

General Insurance

How can I get a not at fault accident charged off my driving record?

If your insurance company has to pay out on a claim, it will impact your rates. If you have uninsured motorist coverage, the accident will only stay on your record for 3 years and will not impact your rates as much as if you don't.

Car Insurance Costs

Which sedans are considered sports cars?

All cars are rated differently with each company. There is no definitive answer as to which cars will be rated higher or lower based simply being a sedan.

General Insurance

Liability limits for a car accident in another state?

There is not a specific law that states the limits will be honored. However, I'm unaware of any company that does not operate this way when driving to different states.
Icon-Agent
Ask an Agent

Get free insurance advice you can trust.

Ask a Question