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Katrina Said:

State Farm House insurance same as auto insurance?

We Answered:

State Farm Fire and Casualty Company and State Farm Mutual Automobile Insurance Company are two separate companies. When one has a rate decrease, it doesn't correlate with the other. The same applies to rate increases.

You may have just experienced the multi-line discount increase which essentially means the discounts you are getting have gotten bigger, combined with the fact you're now entitled to a claim free discount...double discounts. The increased multi-line discount has recently increased in several states within the State Farm companies.

Christine Said:

do i really have to put everyone in my house on my auto insurance?

We Answered:

Insurance companies conduct a household report as part of their underwriting process, just like they run your Motor Vehicle Report and CLUE (Comprehensive Loss Underwriting Exchange) to determine "potential" exposure. In your case, it sounds like they found some people that were not listed on your application. Sometimes, these are people that lived in the house a long time ago!

Normally we will send out a letter letting you know about this and ask you to come in and sign some papers to add or exclude them from your policy. If you don't reply, we can't reply to the insurance company and they will automatically add them to your policy and make your rates go up - especially if there is a youthful driver in the house. I have seen companies that want to exclude anyone 14 and over!

In some States, the definition of insured are 1) the named insured 2) spouse and 3) residents of the household. So, if all of these folks are insured by definition, the insurance company either wants to list them on your policy (and charge an approriate premium for the risk) or exclude them.

Just tell your agent that you want to exclude these other drivers. If they don't want to do it or can't, look around in your local area for an independent insurance agent and call them. Just look in your phonebook for the PIA or Big I (Trusted CHoice) logos and you will find a professional agent there that can help you. An independent will normally have a dozen or more different companies to choose from to help solve your insurance needs.

Good luck, drive RESPONSIBLY and I hope this helps!

Christina Said:

Should auto and fire insurance companies not be able to deny people because of pre existing conditions?

We Answered:

Why not, liberals think this is the cats a*s but it will lead to exploding premium increases.

Dana Said:

Auto and House Insurance...what to ask!?

We Answered:

Okay here are some major differences in policies:
Home-
Personal property and Dwelling amount- Is this policy giving you Replacement Cost or Actual Cash Value? If your 5 yr couch was burned in a fire, Replacement Cost or RC, will give you enough $$$$ to buy a new, simaliar couch. Actual Cash Value or ACV will only give you the amount you could have sold your couch for right before the fire. RC is much, much better.
What are my limits on things like Jewelry, watches, furs, and silverware? These items are often limited in there coverages.

Are my belonings covered away from the home? If so how much?

Does this quote have any kind or sewer/water back up coverage?

If I file a claim how much will my rate go up and for how long?

How much liability coverage am I getting? This is the most important, but most overlooked part of a Homeowner's policy, check to make sure all of your hard earned assets are covered in the event of a law suit. It's cheaper than you think to increase your coverages and if you have children and/or a considerable amount of wealth, you may look into buying an umbrella liability policy.

What is my deductible? Is it a split or single deductible? Some companies offer things like a $500 ded. except for wind and hail which is 2% of the dwelling amount. While these can be more affordable, it is important to know what you're getting into.

Auto-
Again, what is my liability coverage?

Do I have Uninsured/Underinsured coverage?

How are claims handled with your company? Where do I go?

Is glass handled differently?

If I have an accident how much will my insurance increase? How long?


This is what I would ask and what I cover with all of my customers.
Also, a great non-profit site is http://www.iii.org , the Insurance Information Institute. They have tons of information.

Jared Said:

Is everyone with a license who lives in my house covered on my Auto Insurance?

We Answered:

Technically you are right. If Son has an accident it will be covered but then, if you haven't previously notified your insurance company that he has a license, they will most likely cancel you. This applies to anyone in your household who holds a drivers license. Read below


Household Auto insurance rules:

YOU MUST DISCLOSE ALL HOUSEHOLD MEMBERS THAT HAVE A DRIVERS LICENSE....WHETHER THEY WILL DRIVE THE CAR OR NOT.......!
You need to disclose all household members in your household. Each company will handle them differently. Typically, a carrier will include the driver on the policy, exclude the driver from the policy, or not rate the person on the policy.
The insurance company will ask these types of questions to determine how the person will be listed on the policy:
Will this resident be included on the policy? Depending on your answer to this question, each company will ask additional questions to determine how to rate the policy.
All the household residents, 16 (some states 15) years of age or older, and all regular operators of the vehicles need to be included on the policy. You can choose to include the resident on your policy or not and companies' underwriting will determine if you are eligible to be insured by the insurance company.
The answers to these questions will help the company include the drivers in rating or help them determine how to include, exclude, or not rate the drivers on the policy. The named insured cannot be an excluded driver.

Johnnie Said:

how much does house, auto insurance cost from allstate?

We Answered:

First you have to answer this question. Are you in good hands?

Donald Said:

Can I put a lein on the parents house if the auto insurance will only pay $50,000, the med bills are higher?

We Answered:

You can not just be granted some kind of lien on somebodies house with a lawsuit.

Before you go off and sue the parents, I assume you or attorney checked your policy for underinsured motorist coverage (UIM) That should come into play here. The attorney bailing on you tells me that you either didn't have UIM coverage or it is not enough to cover the bills and your pain and suffering. I believe UIM is required in IL so you should ask your company if they are required to provide the Illinois minimum coverages since the loss happened in IL.

Also, you need to talk to the billing people at the doctors/hospitals to see if they are willing to reduce their medical bill liens.

Suing the parents will cost you a lot of money because you will be hard pressed to find an attorney who will take on that kind of lawsuit without a retainer fee up front.

Good Luck.