Coverage & Claims

If my husband is excluded from his sister's policy, is he still covered as a passenger?

Sorry to hear about your situation. The big question here is this: who was driving the car?

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Coverage & Claims

Does the at-fault drivers' property damage liability coverage pay for lost or damaged property that was in my vehicle?

The at-fault driver's insurance company is responsible. Their property damage liability coverage will pay for any property lost in the accident.

Coverage & Claims

Should I have uninsured motorist coverage for all of my vehicles?

Uninsured motorist bodily injury coverage will follow you for injuries you sustain from an uninsured driver. However, uninsured motorist property damage will not cover vehicles that are not on your policy.

Eligibility

The at-fault driver's insurance didn't cover all the damages

If you have uninsured/underinsured motorist, your insurance company might be able to help you. This driver would fall under the "underinsured" category, meaning they have insurance but not enough.

Coverage & Claims

What is Underinsured Motorist Conversion coverage?

Underinsured Motorist coverage pays for injuries that you and your passengers may suffer in a crash where the other driver is at-fault and the other driver does not have enough liability coverage to pay for all the injuries caused in your vehicle. It's easiest to explain this as an example: You are hit by another driver that carries the state minimum liability limit (which is $20,000 per person) and your injuries total $30,000, meaning your injuries exceed the coverage limit of the other driver's liability.
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