Insurance FAQ
 

I Was In A Car Accident And I'm Not At Fault, Need A Little Help On What To Do..?

Question by Drago | Posted in Insurance & Registration

My car got hit on the rear by a lady driving an SUB in Florida, we had 4 people on the car including myself, she admitted that it was her fault to the cop and my car was in driving condition except the trunk was unusable.

The police report sI was in a Car accident and I'm not at fault, need a little help on what to do..?
My car got hit on the rear by a lady driving an SUB in Florida, we had 4 people on the car including myself, she admitted that it was her fault to the cop

Answer: She rear ended you, so liability is clear. As long as her insurance policy was in effect on the day of the accident, you should be fine. Basically, The Hartford has to verify the accident with the lady before they pay for your damages. Faxing the police report should speed the process up.

Your body shop wanted your insurance info just to make sure you don't have to buy extra insurance from Hertz. Transferrable means your insurance will transfer to the rental vehicle.

I think you will be fine. You got into a reasonable rental and you faxed the police report. Just be patient.
 
 

Any Suggestions Regarding Small Business Insurance?

Question by luvamutt49 | Posted in Small Business

I have a 5 year home-based business selling bird diapers. My work is done over the internett. It is a registered with the state of CA as a mail order business. I live in a condo that I own, and my front bedroom is dedicated to my business. I have about $25,000.00 in inventory and equiptment for my business.

I know it is important to get things insured quickly, but I am not sure who to go with and what I need. For the last week, I have been talking
with someone who just

Answer: You indeed need that coverage. If you were to experience a flood, or fire, or any other disaster that wiped out your inventory, your homeowners insurance will not cover it. Yes it may seem redundant, but you need it to cover your household items and your business equipment and inventory. Although everything is located in your home, they are separate, and should be insured separately.

Actually, that is a pretty good price for a policy.

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