Coverage & Claims

If a mechanic started my car on fire and caused damage, should I alert my insurance company?

I'm sorry to hear about your accident. There are a couple of things to think about here.

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General Insurance

Am I obligated to continue insurance payment even the car is totaled?

No, you do not have to keep paying for the insurance on a car that is totaled. As long as you were insured at the time of the accident, you should be fine.

Coverage & Claims

Is it ever possible to buy retroactive car insurance?

Unfortunately, if you did not have collision coverage on the vehicle at the time of the accident, your damages will not be covered. Insurance cannot be backdated. Liability coverage will only cover the damages you cause to others.

Coverage & Claims

What happens if you total are rental car?

The answer will depend on your insurance coverage. If you do not have insurance you will likely be responsible for the cost of the vehicle. If you do have insurance with comprehensive and collision coverage, check with your insurance company.

General Insurance

How does insurance work if my vehicle is totaled before my renewal?

When a car is considered totaled, the insurance company takes possession of the vehicle. You can offer to buy the vehicle back or choose to not accept the payment for the vehicle.

Coverage & Claims

Should I file a claim after hitting a deer with an old vehicle?

It really depends. In Arizona, a totaled vehicle is determined via a total loss formula.
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