Can I file an insurance claim without a police report?

It can be troubling to be involved in a car accident, no matter how big or small. If you’re in this situation, you need to know what to do next, and if your vehicle has sustained some damage, how to get it repaired and back on the road.  Yet, if insurance is involved, what’s the…

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Does auto insurance cover key replacement?

If you’ve ever lost your car keys, you know how stressful it can be to get a new set. Unfortunately, the stress of replacing lost or stolen car keys can multiply if you have to get a new key fob, which can cost hundreds of dollars. Depending on the type of car insurance coverage you…

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Are auto insurance accident proceeds taxed?

After a vehicle accident, you may receive compensation. If this happens, one of your next actions should be determining whether you received taxable insurance proceeds. The Internal Revenue Service (IRS) has specific guidelines in place to determine which insurance proceeds are taxable. The IRS considers each type of payment to have specific purposes, so the…

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Can your auto insurance company drop you after a claim?

Whether you are wondering if you can cancel car insurance or if an insurance company can drop you after an accident, the answer is yes to both. You can cancel car insurance whenever you want, even after an accident. You may have to pay a cancellation fee if you cancel before the end of your…

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Auto Insurance for Drivers With Accidents (2024)

If you spend enough time on the road, you’ll likely be in an accident at some point. While your driving record and claims history affect your rates, you can still find cheap auto insurance after an accident. One way to save money on insurance after an accident is to look for coverage with accident forgiveness….

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How do insurance companies value totaled cars?

Learning that your insurance company won’t foot the cost of repairs following a car accident can add insult to injury in an already stressful situation. Unfortunately, insurers deem damaged vehicles “Total Losses” all the time. When they do this, they offer vehicle owners an amount that is equal to or less than the Actual Cash…

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Is it worth claiming a scratch on your auto insurance?

With the cost to repair some scratches going into the hundreds or even thousands of dollars, it is easy to understand why car owners would want to file a car insurance claim for a scratch. However, because filing claims may cause your insurance rates to increase, there are times when it may be better to…

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Can I cancel an auto insurance claim after filing it?

If you’ve recently been in an accident but then decided to cover the damage from your own pocket instead, you might be unsure if you can now cancel the auto insurance claim. You’re probably wondering what would happen to your insurance rates if you cancel the claim and whether it will still show on your…

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How to Get a No-Claim Bonus (NCB) Auto Insurance Discount in 2024

Auto insurance carriers are known to raise rates on a regular basis. As administrative costs rise and the cost to settle claims go up, insurance companies file new, higher rates with the state. If you have car insurance without a no claims bonus and are a safe driver, you’re probably paying more than you should….

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Do auto insurance companies drug test?

Insurance companies don’t require a drug test for a client to obtain auto insurance. An insurer for an automobile policy will also never request a drug test when you file a claim. So if you were worried, and asking questions such as, “Does Farmers Insurance drug test potential customers?” or, “Will I have to get…

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Can I keep my car if the insurance company totals it? (2024)

If my car is totaled, can I keep it? You can keep your car if the insurance company totals it and your state laws allow you to keep it with a salvage title. However, your state may not allow you to drive or sell vehicles with salvage titles. You’ll also get a smaller insurance payout…

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How to Dispute an Auto Insurance Claim in 2024

Getting into an auto accident and going through the process of filing an auto insurance claim can be a major headache if you don’t have all your ducks in a row. Even worse is finding out you won’t have the coverage you need, and your claim is being denied. Claims can be denied for a…

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How to Pay Your Auto Insurance Deductible in 2024

Your deductible is basically the amount that you agree to pay out of your own pocket in the event that you file a claim through your auto insurance company. The amount of your deductible is only paid out in the event that you file a claim for property damage under your auto insurance policy. Enter…

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What is a fair settlement for an auto accident?

If you’ve been in a car accident, the last thing you want to worry about is getting a fair insurance settlement. But, what is a fair settlement for an auto accident? Many vehicular accident victims should be adequately compensated for damages relating to personal injuries, including pain and suffering, and property loss. People coming out…

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Does auto insurance cover broken car windows?

If you wake up one morning to find that someone has broken into your car through a side window, one of your first worries will be the expense of fixing the damage. You may wonder if car insurance covers broken windows. Read on to learn how it works. Compare coverage options with many companies side-by-side….

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Can my auto insurance company sue me?

Many people fear being sued, and rightly so, as being involved in a lawsuit is an expensive and time-consuming process. If you’ve been involved in an accident, you may even worry that your auto insurance company might sue you. It can cause you to wonder “can my insurance company sue me?” Could you face a…

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If someone hits my car, do I call my insurance or theirs?

If you are in a car accident, you may be in shock and not know what steps to take. Even in you think you know who is at fault, you may wonder whose insurance company you should call. You have exchanged information with the other driver and gotten their insurance company’s phone number. Although you…

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Does auto insurance cover stolen vehicles?

Does auto insurance cover stolen vehicles? If you only have your state’s minimum liability insurance coverage, you will not be eligible to get a stolen car insurance payout in the event of a theft. Instead, you will need to have full coverage insurance that includes comprehensive auto insurance if you want your stolen car covered….

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Does a denied claim affect auto insurance rates? (2024)

Any auto insurance claim, whether it was accepted or denied, may have an effect on your rates. While it may seem as if a denied claim should have no effect on your rates, that is not always the case, according to the Texas Department of Insurance. Even a denied claim may raise your rates because…

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Top 7 Factors That Affect Auto Insurance Rates (2024)

The top factors that affect auto insurance rates include shopping for quotes, coverage choice, and much more. For example, while liability insurance costs around $45/mo on average, you’ll pay $119/mo for full coverage. Read More: Cheap Full Coverage Auto Insurance While understanding that great auto insurance could save you from financial ruin is one thing,…

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How to File a Complaint Against Your Auto Insurance Company in 2024

When you first signed up with your auto insurance company, you took the time to compare and contrast the different companies and their policies very carefully. Even though you did your best to choose the best auto insurance company, there still might come a time when you don’t quite agree with a way they handle…

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What to Do if Your Auto Insurance Company Won’t Pay a Claim (2024)

If you’ve been in a car accident, it can be helpful to know that your auto insurance policy will help cover the cost of repairs to your vehicle. But what happens when your car insurance company won’t pay your claim?  Unfortunately, there are many instances in which car insurance companies refuse to pay for auto…

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Top 5 Tips for Avoiding Highway Hypnosis (2024)

Imagine you’ve finished up work for the day, and you’re heading home. You get into your car and start down the same route you always take. Before you know it, you’ve pulled into your driveway. You don’t remember anything, not even if you followed traffic laws. Highway hypnosis might sound mystical, but it’s a common…

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The Consequences and Dangers of Speeding (2024)

There are many surprising statistics about speeding in America. You probably don’t know which car model has the highest rate of ticketing or just how dangerous going over the limit really is. Below is a collection of speeding data to get you up to speed about driving fast. Read through the speeding statistics, speeding facts,…

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