Help with Claiming Insurance on Stolen Items.?
A couple friends and I from Michigan were visiting a friend of mine down in Miami, Fl. My friend took us to a party one night, and at the end of the night, discovered that someone had stolen his car. I had left my phone in the car, and my friend from Michigan left his Zune, headphones and phone charger in the car. How can we go about claiming insurance on these items? Is it even possible for us to get them back?
You file a claim with your homeowners or renters policy.
It’s not the responsibility of the guy you were visiting, and it’s not the responsibility of the guy who owns the car.
If you have no renters or homeowners insurance, there’s nothing to claim AGAINST.
For property, you insure for your OWN property. You can’t insure for someone else’s.
Filed under auto insurance price quote by on Jul 22nd, 2010. Comment. 
If I’m not on my mom’s car insurance and another car hits me are they still responsible for paying?
I was driving my mom’s car the other day because she asked me to run to the store for her because she was sick and as i was driving through the parking lot a car backed out really fast and slammed into my mom’s car….we got estimates the next day that came out to be $1,456,but the guy that slammed into me said that he doesnt have to pay that or report it to his insurance because I’m not on the insurance for my moms car.I have his insurance information and he even signed a paper saying that he was at fault,however my moms worried that she wont be able to get the damages paid for because Im not on her insurance.She has AARP (Hartford insurance),and the guy who hit us has Mercury if that matters any.
The insurance is bought for the car,not for the driver,and any licensed driver is OK to drive if acknowledged by the car owner.Just call his insurance company and they will pay for your car damage.Even if you are at fault,your mom insurance will still pay for his damage,your name does not have to be on the policy.Nothing to worry about.
Filed under auto insurance price quote by on Jul 22nd, 2010. Comment.
I lived in KY and just moved to IN. Can one have dul residency with regard to insurance (auto and health)?
I want to keep my health in KY and Auto in IN. Also what time period do I have to transfer my individual health policy if dual residnecy is not allowed?
No, there’s no “dual state residency”. Here’s the problem – each state regulates it’s own insurance policies. Sure, Blue Cross might write policies in 48 states, but they aren’t the SAME policy. Each has to be tailored to the state insurance department’s rules and regulations. What’s covered in one state might not be covered in another.
Because of that, each policy ALSO has it’s own “preferred provider” list. If you read the small print, your policy in KY probably states something like, “we’ll only cover you for life threatening emergencies outside of KY” or “this policy voides 30 days after you move out of KY”. IN any case, you’d have to drive back to KY for all your medical services.
You have to have an auto policy compliant with the state that you’re running the tags on your car. You won’t be able to renew KY tags to an IN address, and you won’t be able to get IN tags on a KY policy. The driver’s license ALSO has to match the declared state of residence.
Sorry, you’ll have to switch your health policy over. I’d recommend you do it ASAP, as it could take a while to put in place, and you could have coverage issues in the meanwhile.
Filed under auto insurance price quote by on Jul 22nd, 2010. Comment.