Compare Rates From Top Providers
Save Up To 46% on Car Insurance
Enter Zip Code:

Surprise Post-accident Contact

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/20/2016

Question: A person on my policy got in his 2nd minor accident. He hit the curb and blew out his tire. No damage done to other car or person. Exchanged insurance info but both decided not to call cops or file claim. Now other party texted my friend and said their insurance is going to be calling him. What will happen because we didn’t put claim in or report anything at the time. It is now 2 weeks after accident. No pictures or police report were done.

Answer: There is really nothing you can do but wait.  You and your friend did nothing wrong as it was decided at the time to not call the police or file a claim and you exchanged information at the scene of the accident. This is not a hit and run situation. If the other insurance company calls, then your friend will need to give a statement.

Other than that, there is nothing for you to do.

Leasing and Insuring a Canadian/US Vehicle

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/20/2016

Question:  Hello, My fiancé lives in Canada and I live in the states. What’s the best way for me to lease a vehicle which we could both drive when in Canada? The car would be in Canada more often than in the US. Thanks

Answer: You are going to have to lease and insure the car in Canada.  If the car is mostly in Canada there are very few if any US based insurance companies that will insure it.  Also, you will have to make sure with your Canadian insurance if they will cover you when the vehicle is in the United States.

Rental Car Insurance in Canada

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: We will be traveling to canada this year going to lake louise. we will be driving a rental car and need to know if our usaa policy will cover us on this trip or will we need additional insurance.

A: Most likely your USAA policy will not cover your rental car in Canada.  You need to contact USAA about this and find out how far beyond the Canadian border they do cover. They may be able to offer your a special Canada coverage or you may just have to purchase the rental car insurance from the place you are renting the car from.

Car Insurance Not Needed

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: – DUE TO ILLNESSES I THOUGHT MY EFT PAYMENT WAS CANCELLED BY CARETAKER BUT IT WAS NOT I DID NOT KNOW THE EFT PAYMENTS WERE NOT CANCELLED ON A SITTING CAR UNUSED CAR UNREGISTERED SITTING CAR ….HADNT BEEN DRIVEN IN YEARS ….ITS MY MOTHERS CAR SITTING IN YARD.
ALSO HAD LICENSE SUSPENDED DURING THIS TIME – SO WAS INSURANCE PREMIUMS NON EARNED BY CARRIER – CAN I GET REFUND IF CAR WAS NOT ON ROAD ETC PLEASE ADVISE ..DO I NEED TO GET LAWYER NOW THAT I FOUND OUT INSURANCE WAS NOT CANCELLED BY CARETAKER ON NON-WORKING CAR? NON-DRIVING REGISTERED CAR THANKS

A: It is unlikely that you will be able to get your premiums back as the insurance company will tell you that it was your responsibility to verify that your insurance payments were cancelled and to cancel your insurance policy if you no longer needed the insurance. I know that you were sick, but the company is going to tell you that they still provided coverage for that vehicle and that if it was in an accident or damaged at the time they would have had a responsibility to cover it.

However, with all that being said the rules and regulations are different in each state and there may be a law that allows you to get your money back if you can prove that you did not have your license at the time and that the vehicle was not registered.. The best way to find out is to contact your insurance company.

Car insurance on Unused Vehicles

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: I have multiple cars, that the wife & i 90 percent of the time normally drive together. We have insurance through farm bureau & have to insure each car, truck or motor home separately. Is there a type of insurance that i don’t have to keep putting my vehicles in storage, so depending on the weather we would be able to drive which ever car we want?

A: Actually this is the first time I have ever heard of someone having to put their vehicles on separate car insurance policies. The motor home I can understand as it is a recreational vehicle, but not the cars. You may want to shop around with other insurance companies that allow you to keep all your vehicles on one policy.

In regards to the storage issue, in most cases by listing your vehicle as being in storage it saves on having to pay for insurance coverage that you don’t need at the time you are not driving the vehicle. If you want to be able to just jump in your vehicle and go whenever you please and not have to call your insurance company to put coverage back on your vehicle. the only option is to keep the insurance coverage on that vehicle at all times.

Save Up To 46% on Car Insurance
Enter Zip Code: