General Insurance

I signed up for a new insurance policy, but why doesn't the quote doesn't match the policy I signed up for?

The first thing you'll want to do is to check your policy's declaration page to see the exact coverage that you currently have. This may be a physical document or, if your insurer has an app, could be electronic. If you find that your coverage is insufficient, you should start shopping for a new policy or look to add coverage from your current insurer.

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Coverage & Claims

Is my insurance still responsible for my vehicle theft after I canceled my policy?

As long as the claim happened during the duration of your policy, it is covered. You have no obligation to keep insurance until the payout occurs, so even if you've canceled it, your insurance is still responsible for processing the claim.

Insurance Companies

How does Metromile calculate the miles?

I believe Metromile charges a base rate (determined by a few of the conventional insurance rating factors like age, driving record, vehicle, etc.) and adds your cost-per-mile fee depending on your actual mileage. They track your mileage with an in-car telematics device.

Car Insurance Costs
Coverage & Claims

How will my rate be impacted by opening a comprehensive claim? How is fault decided?

If it is considered comprehensive, there would be no fault on the claim so you can take that out of the equation. Comp claims are best summed up as your responsibility but not your fault.

Homeowners Insurance
Renters Insurance

What kind of insurance do I need if I'm renting out my property?

What kind of insurance you need depends on a few factors of your rental. For insurance, a million in liability may sound like a lot but for most businesses, this is just a starting point because the risk of lawsuits and other exposures are so much higher.

Car Insurance Costs

I'm moving from TX to WA, where car insurance is a lot more expensive. Why is it so much and what can I do to lower my premium?

Insurance is regulated on the state level and every state has its own insurance laws. For example, Michigan residents are well-known to pay the most expensive premiums in the country due to the state's coverage requirements, which include unlimited medical coverage for the lifetime of car accident victims.

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.

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.

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.
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