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General Insurance

Keep coverage on truck worth 4500?

Typically when the car is eight to ten years old (and paid off) we typically do not recommend comprehensive and collision coverage. The reason is that the value of the car is less than what the insurance and deductible can be. Since the car is paid off, the decision is really up to you.

Coverage & Claims

Who is at fault if someone rear ended me and pushed me into another car

I'm not an adjuster so I'm not able to tell you who is at fault. With that being said, most of the time, the person who initially caused the accident would be responsible for the damage to both vehicles.

Coverage & Claims

My car was hit in the process of being repaired

This can be a tricky situation. Since there was damage caused by 2 different events, you will need to report both to the insurance company if that's how you want to get them repaired.

General Insurance

My car was stolen - what insurance do I need?

There seems to be some confusion on what coverage would be used to reimburse you for your stolen car! Yes, you're right: Uninsured motorist coverage would cover your car, if someone hits you that does not have insurance or in the event of a hit and run. This does not apply to a stolen car.

Coverage & Claims

Will my insurance go up for a claim where i was not a fault

This can be a tricky one. If you have uninsured motorist coverage, which isn't required in Texas, you could file an property damage claim.

General Insurance

Hit by uninsured driver, will my insurance pay me?

In New York, you're required to have uninsured motorist coverage, so you would be filing a claim under that coverage for your medical expenses. However, there isn't a legal requirement for the uninsured motorist property damage coverage - which you would use to file a claim for the damage to your vehicle.

Coverage & Claims

What are the pros and cons of using uninsured motorist vs comprehensive insurance?

You don't have an option to use your comprehensive insurance here, unfortunately. Comprehensive covers damages resulting from things that happen other than collision. So, damage from animals, theft, of vandalism.

Coverage & Claims

Do I have to prove a driver was uninsured?

Unfortunately, there isn't much you can do about not wanting to get another driver who is uninsured in trouble. At the end of the day, your insurance might require you show proof of an uninsured motorist in which case it is in your best interest to give as much information as possible to your company.

Coverage & Claims

Should I file one claim for two incidents?

There's a couple of things to consider here. In the state of Florida, a total loss threshold state, a vehicle is considered totaled if the value of the damages exceed 80% of the vehicle's value.

Car Insurance Costs

Will my insurance premium raise after an uninsured motorist claim?

Uninsured motorist property damage coverage usually comes with a deductible, much like your collision coverage would. However, unlike collision coverage, an uninsured motorist property damage claim won't raise your premium as much as a collision claim out. On average, a UIMP claim raises car insurance rates by approximately $98 per year.
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