Coverage & Claims

I have 2 cars insured and bought a new car but got into an accident before I could insure it. Is my accident covered?

Unfortunately, you and the vehicle were not insured during the time of the accident, and if no policy was bound at that time, then you would not have coverage for the accident. Insurance will never backdate and trying to get them to cover an accident that already occurred is considered fraud.

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Coverage & Claims

Someone attempted to steal my neighbor's vehicle and wrecked my van, how do I handle insurance?

You would not be at fault in this case. In cases like this, it's best to get all the documentation you can, like a police report. If you have comprehensive and collision, you should be able to get your car fixed.

Motorcycle Insurance

I was rear-ended on my motorcycle by an uninsured driver. Will my auto insurance cover the damages?

Sorry to hear about your accident. I hope that you're recovering well.

General Insurance

I got a ticket driving a friend's car. I have my license but did not yet have personal insurance. I’m going tomorrow to get it, will they know?

You should be fine as far as any insurance-related issues with the vehicle go. The state checks the VIN of the insured vehicle and not the listed drivers.

Coverage & Claims

I was driving my friend's car and his car wasn’t insured but I am insured under my own policy. Will my insurance cover it?

Your insurance policy won't cover the damage to your friend's car — it's only your liability coverage that follows you as a driver. Since you're not at fault, I recommend that your friend contact the at-fault party's insurance to get the car repaired. Note that if the vehicle is uninsured but registered under your friend's name, the state of Florida can suspend his license once they check for insurance. If you have any questions, don't hesitate to ask.

Coverage & Claims

MIL dropped husband and vehicle off her policy without notifying. He was pulled over and citation given. Is he covered under our alt policy?

Sorry to hear about the situation. Unfortunately, I think your husband's failure to maintain insurance citation will still be valid.

Coverage & Claims

If I'm uninsured and the person at-fault for the accident is insured, how do I get my car fixed?

Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.

General Insurance

Would I avoid the penalties of a ticket for failing to provide proof of insurance if I got insurance before my court date?

Unfortunately, you likely won't be able to avoid any penalty for not having insurance. I would still recommend going to court with insurance — your judgment might be less severe if you resolve your uninsured status versus still being uninsured by the time your court date comes around.

General Insurance

Can my insured relative drive my new, uninsured car off the lot?

Even if your relative is insured, they cannot drive the car home without insurance. Their coverage does not extend to your new vehicle unless they choose to add it to their policy.

General Insurance

Who pays if I'm uninsured and a stolen vehicle hit my parked car?

Sorry to hear about your accident. If you're uninsured, your only recourse is to sue the individual who stole the vehicle.

General Insurance

In Tennessee can not at fault driver be blamed if they didn't have insurance?

The other party would not be responsible for the damages. They can be ticketed and have their license suspended but you can still be found at fault.
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