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Would a roof rack affect a quote if it only carries renovation supplies now and then?
Would a permanently installed roof rack affect a personal car’s insurance quote or eligibility if it’s only used occasionally for renovation supplies? I’m also curious whether insurers distinguish…
Do occasional supply runs change a car’s stated use?
If a personal car makes occasional trips to pick up lumber, paint, or other renovation supplies, should those miles simply be included in the annual mileage estimate? Do…
Does roadside assistance use up claims on a policy?
Roadside help sounds convenient as an add-on to auto insurance, but I’m unsure how it compares with a standalone auto-club membership for occasional road trips. Do insurers count…
Who covers damage to a car while it’s at a repair shop?
If a car is parked at a repair shop for scheduled maintenance, what coverage might apply if it’s damaged before pickup? I’m wondering about the difference between something…
Does OEM coverage still apply when manufacturer parts are back-ordered?
If a repair is covered and the shop says aftermarket parts are available, but the vehicle manufacturer’s parts are requested, how does an OEM-parts endorsement usually affect the…
Do higher UM/UIM limits change the cost much?
How much difference do people see in a quote when bodily injury liability limits go up and uninsured/underinsured motorist limits are raised to match? I’m curious whether the…
How do shops document damage that wasn’t on the first estimate?
When a body shop uncovers additional accident damage during disassembly, what documentation usually helps the insurer review a supplement? I’m especially curious whether photos of the exposed damage…
Comprehensive and collision can still leave a loan balance
Comprehensive and collision cover damage to the car, but they don’t necessarily pay off the loan after a total loss. How do insurers generally calculate the settlement against…
Don’t let a pending injury claim run out a health-plan deadline
When accident-related medical bills are still being reviewed by the auto insurer, is it usually better to submit them to health insurance rather than wait for a liability…
Does an occasional family borrower need to be listed on the policy?
If a family member borrows a student driver’s car now and then, how do insurers usually distinguish an occasional loan from someone who drives it regularly or has…
