General Insurance

Can I drive a truck I'm buying across state lines, without plates, to get it home?

I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated.

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Coverage & Claims

Can an insurance company only cover the vehicle but not the driver?

An insurance company can deny a claim if the guilty party was not in compliance with the rules set by their insurance plan. This does not, however, mean the guilty party is off the hook.

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.

General Insurance

I got in an accident and my insurance company hasn’t really done anything to fix it, do I have to continue to pay?

You definitely have the freedom to shop around for a new insurance company during your policy period. As long as you had insurance at the time of the accident, you can cancel your policy at any time. Make sure to ask if there are any penalties and that you have insurance set up with another company before you switch.

Coverage & Claims

Will my insurance cover my vehicle to be towed out of a hill?

This can depend. Do you have roadside assistance? If so, your winching and extraction coverage would probably be able to help you, depending on the specific details of the coverage.

Coverage & Claims

A vehicle that was being towed was totaled

I'm sorry to hear your car was totaled. This is what I would recommend.

Coverage & Claims
RV Insurance

Non US resident trying to insure my truck camper without a permanent address

Nearly all insurance companies require an address for insurance purposes. If you have a friend's address where your mail will be forwarded, this could work.

Boat Insurance
Coverage & Claims
General Insurance

How will my insurance handle a claim where I backed my boat into another truck at the dock?

The simple is, yes, you will have to file 2 claims. The damage to your boat would have to be claimed on your boat insurance policy. The liability from the vehicle you were driving is actually what will pay out for the other party's damage, and not the boat insurance liability, since the boat was out of the water at the time of the accident.

General Insurance

If my dump truck is damaged in an accident, will I be paid for not being able to use it?

The insurance company of the at-fault driver should be providing a replacement vehicle until your truck is repaired. You might even have coverage for a replacement on your existing commercial policy so it might be a good idea to contact your insurance provider to ask.

General Insurance

Do I have to keep insurance on my truck it is is only driven on the farm?

If the truck is paid off and is only driven on your personal property, you are not required to insure it. The state will require that you register and insure it if you plan to put it on the road, but you won't need to until that point.

Eligibility

Where can I find coverage for a 1953 GMC pickup?

The problem with quoting pre-1981 model vehicles is that automakers at the time didn't use a standardized VIN format. Since insurance is all about risk, most insurance companies want to know as much about the vehicle as possible before offering a rate.
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