Coverage & Claims

I cut down a big tree and it fell on my truck. Will insurance cover that?

Your insurance should cover the damages minus your deductible. In this case, you would file a comprehensive claim for the damage.

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Coverage & Claims

Can I dispute the payout amount my insurance company wants to give me?

Actual cash value (ACV) from your insurance is not the same as an adjusted amount — it's an estimate on their books. I would get another person to look at the vehicle and get another opinion on the adjustment to make sure it was accurate before trying to fight the claims department. If you have any questions, don't hesitate to ask.

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.

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.

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.

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.
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