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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Eligibility

Can I get a non-owners insurance policy so that I can get a restricted license?

It's hard to give a direct answer to your question, as restricted licenses are considered on a case-by-case basis. Some insurance companies will provide such insurance, but they too would have to know all of the details surrounding your situation.

Coverage & Claims

What happens if someone makes a false car insurance claim against me?

Thank you for your question. After any accident, I recommend taking pictures and recording as much information as possible.

Motorcycle Insurance

Should I contact my insurance if I don't intend to file motorcycle insurance claim after an accident?

Sorry to hear about the accident, but glad you're alright. If the police filed a report then it's likely that your insurance company will find out about the accident at some point.

General Insurance

We will be purchasing our first car shortly before moving from WI to CA. How should we navigate car insurance?

Every state has separate laws, insurance plans, and registrations, but you shouldn't have an issue buying a vehicle in one state and moving to another state. If at all possible, I would wait and buy the vehicle in California — this way, you would only pay all the fees once.

Homeowners Insurance

What insurance do I need on a vacation rental?

Thanks for your question. First, you will need to contact Airbnb to see what type of insurance they provide while you have guests in the home.

General Insurance

Does it cost money to switch a car into someone's name when he or she turns 18 and, if so, how much is it?

When it comes to the cost of switching the title into someone else's name, you will need to contact the Wisconsin Department of Motor Vehicles (DMV). As far as insurance goes, I wish it was that easy.

Coverage & Claims

Do I still have to pay a deductible for a hit and run incident?

In the case of a hit-and-run, if you filed a police report and have uninsured motorist coverage, this could be used to cover the damages. This is additional coverage that must already be on your policy.

Coverage & Claims

Will using Med Pay increase my insurance premiums

As a general rule, any claim that is filed with your auto insurance company can increase your rates, even if it's just medical payments. If you are interested in finding out more about Med Pay, have a look at our article for more information.

Car Insurance Costs

Should I worry about carrying the minimum liability coverage on my $3000 vehicle?

You are exactly right. Since you do not have any assets and you are not financing a vehicle, you only need liability coverage.

General Insurance

How to handle car insurance when buying out of state

There are many different factors that go into calculating your insurance rate. At The Zebra, we can quote you with over 200 companies at once for your mother.
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