Coverage & Claims

Can an insurance company refuse payment for an accident claim by their client if I'm unable to pay their full set amount?

The full amount of damages is to be settled at the time of loss. The insurer giving you a payment option versus taking you to court is already a courtesy they are offering you.

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Coverage & Claims

What is the No Pay, No Play law in Alaska? What happens if both parties in an accident are uninsured?

Unless you were under the influence, drove recklessly, acted with intent, or fled the scene in a hit-and-run, I don't necessarily think you could be charged for a felony if you've been cooperative. However, a suit could be filed against you for damages. Regardless of both parties' insurance status, if you were at fault for the accident and the other party can prove this, then you need to pay for the damages caused.

Driving History

Why is my ex's accident following me around in my insurance quotes?

Claims tend to be attached to the driver that was at fault. If you were the policyholder at the time, some companies will see this and still charge you for that at their discretion.

Eligibility

Do we need to add our nanny to our auto insurance?

I would strongly advise not letting your nanny drive your kids without insurance. If she were to get in an accident, no coverage would be in place and she would have to foot the bill for damages to all vehicles and potential injuries for your children. Your nanny will need to get insurance for her personal and business use to adequately protect herself and your family. If you have any questions, feel free to ask.

Coverage & Claims

If I backed into an uninsured car, do I still need to file a claim to fix the car?

Even if the vehicle you backed into was uninsured, it is still your responsibility to pay for the damages if you were at-fault. If the other party doesn't want to go through insurance, then they don't have to.

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.

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.
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