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.

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Condo Insurance

What does "walls out" coverage mean in an HOA policy?

I believe they are saying that since the damage is to the interior of the condo, then it is the unit owner's responsibility to get any damages covered — whether they need to pay out of pocket or use their own condo insurance. The HOA "walls out" policy generally means that it will cover damage to the exterior walls, roofs, and other property contained inside the exterior framing, but not anything inside the unit.

General Insurance

Do I need additional insurance if I pull a trailer belonging to a different business?

The owner of the trailer would need to add you to their policy if you will be pulling their trailer regularly. If you will not be pulling it regularly, you should be covered — but I recommend you check with your specific company for policy details to make sure. If you have any questions, don't hesitate to ask.

General Insurance

Do I need to register or insure my car in Washington if I have insurance that covers me from Canada while working?

You will need to contact the Department of Motor Vehicles for the state of Washington for information on registration. If you are required to register your car in Washington, then you would likely need a Washington insurance policy with your Seattle address.

Eligibility

I live in a rural area but my zip code is for a town 10 miles away. Could I get insured using my PO Box zip which is only 3 miles away?

Unfortunately, insurance companies cannot use a P.O. Box for a garaging address — the garaging address is where the vehicle is located or parked most of the time.

Coverage & Claims

Can the home owner be sued if their tenant caused damage to someone else?

No, the driver/owner of the car would be held responsible. If you have uninsured motorist coverage, you can have the damage to your car covered and you can file a claim on your homeowner's insurance for the damage to your garage door.

General Insurance

How does insurance work if my vehicle is totaled before my renewal?

When a car is considered totaled, the insurance company takes possession of the vehicle. You can offer to buy the vehicle back or choose to not accept the payment for the vehicle.

Car Insurance Costs
Coverage & Claims

Should I file a claim if I only have a learners permit?

I'm sorry I'm not an insurance adjuster. I can not tell you how much it will cost to repair the damage.

General Insurance

Can I insure a car in one state but live another?

Because car insurance is regulated at the state level, you have to have insurance specific for the state you are residing in the majority of the time. You can buy a vehicle in another state but it will need to be registered and insured for your state.

Eligibility

Can my brother in law use my car for a week?

He should be covered to drive your car as long as you have permissive use coverage. This means that someone can drive your car that does not live with you, as long as they have permission and it is not a regular occurrence.

Coverage & Claims

Damage to fog light insurance claim

So there are a few things to consider before you file the claim. How much does it cost to repair the damage to your car?
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