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Coverage & Claims

What is the average cost of car insurance in Virginia?

That's a difficult question to answer. Below are some answers based on the information you have given me.

Coverage & Claims
Renters Insurance

Can I sue if a ceiling collapsed on me after repairs?

I'm sorry to hear that happened. I hope your brother is okay.

Coverage & Claims

Grace period to use newly added coverage?

It depends. Some companies will not pay a claim until the policy has been in effect for 30 days.

Eligibility

My insurance company has been insuring the wrong car for 3 years

If you have proof that the car was supposed to be changed three years ago, you should be able to get some kind of compensation. Ultimately, it is up to the insurance company on how they handle billing and policy disputes.

General Insurance

I have two vehicles, am I required by law to carry collision insurance on both vehicles?

Legally you are only required to have state minimum liability coverage on either of your cars. If you are financing either car, your finance company will most likely require you to have comprehensive and collision coverage on the car.

Motorcycle Insurance

My motorcycle wasn't covered in a non-fault accident

Unfortunately, there usually isn't any coverage provided for contents when you tow something - only for the entity with which you are towing. Meaning, while the trailer would have physical protection extended to it, the contents you were towing would need to be covered by something else.

Coverage & Claims

The driver who's car I hit won't return my calls

It would fall on the other party to file the claim. It sounds like you have done everything you can to make sure they could have resolved this.

Eligibility
General Insurance

I sold my car what do I do with my insurance?

You are not required by law to get insurance if you do not own any vehicles. What your agent is doing is protecting you from a lapse in coverage.

Coverage & Claims

Should I file a claim after I've had 2 comp claims already?

There's a couple of ways to handle this. First, you could file a uninsured property damage claim.

Coverage & Claims

How long can an insurance company wait to pay out your claim?

Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
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