Does My Insurance Cover Anyone Who Drives My Car?
As long as the person driving your car has permission from you to use it then should be covered under your insurance policy. It might be best to look over your policy to make sure there are no special exceptions or anything.
What Is the Difference Between Comprehensive Coverage and Collision Coverage?
Collision coverage only covers your car when it comes to accidents. Comprehensive coverage will cover anything that happens to you car: accident, fire, theft, etc.
I've been in an Accident in the Past, Will That Affect My Premium?
Yes, your premium is based on your past driving record. Insurance companies have access to your driving records, the more accidents or tickets you have received the higher a liability you are and the higher your premium will be.
My Child Just Got Their License, Do They Need to Get Insured?
Yes. Even if they are driving your car around you will have to get them insured.
Why Are Insurance Premiums So High For Teenagers?
Teenagers are seen as high liabilities since they are inexperienced and their age groups get into the most accidents. You can get discounts on teenager's auto insurance premiums if they have good grades.
Do I Have to Have Auto Insurance?
Yes, it is illegal to not have auto insurance in the United States.
Do I Have to Have Home Insurance?
Yes and no. If you have a mortgage on your house the lending company will require you to have home insurance. If your house is all paid off then there is no requirement for home insurance.
Does Home Insurance Cover My Personal Possessions?
It can if it is in your policy. With the value of all your personal possessions you should have them covered in your policy.
Does Home Insurance Cover Floods?
No, floods are not covered in home insurance. You have to buy a separate flood insurance to cover floods.
Will My Policy Cover Vermin and Rotting?
No, most policies do not cover vermin and rotting because they can be avoided by proper up keeping of your house.
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