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What Coverage Applies if you Hit a Deer (Dead or Alive)?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/29/2011

Hitting a dead deer or an alive deer is all covered under the same coverage.

Any time you have a run in with an animal, whether they run into you or you run into them, it is covered under your comprehensive coverage on your insurance policy. This includes if the animal that you hit is dead.

So if you are driving and you hit a dead deer that was laying in the road from someone hitting it earlier, your insurance company is going to repair the damages under your comprehensive coverage. This also means that your comprehensive deductible applies, not your collision deductible.

If I Cancel a Policy that I Paid in Full, Do I Get a Refund?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/29/2011

Unless an insurance company has thrown in a cancellation clause, any unearned premium has to be refunded to you.

In most cases, if you have paid in full for your insurance term you are owed a refund if you cancel your policy at any time before the renewal date. Insurance companies cannot keep the money that you paid to them if they do not provide you with insurance.

For example, if you pay for insurance for January 1st though June 30th and cancel March 31st; you are owed a refund for April 1st through June 30th. The insurance company is not extending you coverage for this time period so you owe them no money for this period.

The only exception to this is if your insurance company has put in a cancellation clause on your policy. Most of these clauses state that if you cancel your policy within the first 60 days you still owe them a minimum of the 60 days of insurance. If your insurance company has something like this they will (or at least should) tell you when you first purchase your policy.

Why Does My Former Insurance Company Still Want Money When I Cancelled on my Billing Due Date?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/24/2011

Cancellation dates and insurance coverage dates may not coincide, but if you are on a monthly payment plan your insurance should have been paid in advance.

Sometimes the billing on your policy is just not calculated correctly by the company.

How insurance companies calculate your monthly insurance billing can be very confusing.  First, they usually want you to pay for two months down when you start. This is because with monthly billing plans the insurance company is going to have you pay a month in advance. 

Second, your billing due date will most likely not coincide exactly with how much insurance you have purchased.   For example you may make your payments on the 1st of the month, but your monthly insurance coverage may run from the 20th to the 20th if each month.

Still, being on a monthly payment plan you should be paying in advance.  If you have cancelled your insurance and the insurance company is saying that you still owe them money then one of two things may have happened.  One, the billing system does not have the correct or current cancellation information.  Did you get a cancellation notice from the company to verify cancellation and what date did it have on it?

Two, the billing is not accurate.  You need to contact the insurance company and ask why you are still being billed for a cancelled policy.  If they tell you that you owe them for insurance coverage prior to your cancellation date, challenge them on it.  Make them provide you with a breakdown of all the payments that you have made and the time period of coverage that the payments covered.

Do Car Insurance Rates Go up for First Speeding Ticket?

Written by Michele Wilmonen. Posted in Ask An Insurance Question, Research Last Updated: 09/16/2011

Your first speeding ticket can increase your car insurance rates depending on two important factors.

Yes, your insurance could very well go up after your first speeding ticket. Whether or not it does depends on a number of different factors though.

First, it all depends on your insurance company. Some companies forgive the first speeding ticket that you receive, others don’t. The only way you will know is if you ask your insurance company or if you wait for your insurance company to find the speeding ticket on your driving record.

Second, the type of speeding ticket that you receive will also determine if it is counted. Did you drive 38 mph in a 35 mph zone? If this is the case, your insurance company may be more forgiving than if you were doing 60 mph in a 35 mph zone.

Which Insurance Company is the Cheapest?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/01/2011

Getting insurance quotes would be much easier if we already knew which insurance company was the cheapest.

As much as I would love to tell you exactly who you can get the cheapest insurance from, I can’t. There are too many factors involved in putting an insurance package and rates together that the cheapest insurance company will vary from person to person.

First, your rate depends on the location in where you live so the cheapest company for your neighborhood may be different in someone else’s neighborhood. Second, what you drive and how you drive will also determine who your cheapest insurance company is.

Insurance companies even sometime specialize in certain markets also. They may offer better rates to bad drivers or even drivers of high performance vehicles than other companies do.

So as you can see there is no one cheapest insurance company because insurance is not a one-size-fits-all product.

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