homeowners insurance claims questions
Am I covered if I drive someone \ 's vehicle in Florida?
A Yes The Florida insurance policy on the vehicle driving is primary, meaning it would pay for the damages portion of first. responsibility for a car insurance policy you have and are not driving is secondary if the primary payer of insurance is inadequate.
Am I covered if my car is borrowed from a friend or family member?
Yes.A However, if the family member is a resident of your home and / or friend is a regular operator of the vehicle that should be listed as drivers on the policy or a claim may be denied because a material misrepresentation. Â
Am I covered for items bought at the mall and robbed car?
 No.A Coverage for personal items inside your vehicle can be a homeowner or policy sure.
 Am I covered if I drive my car in a different state?
Yes, a  If necessary, your insurance Florida auto policy automatically increased the liability limits to be in compliance with other states the minimum requirements.
 Am I covered for a rental car if anyone is at fault in an accident and my car is in the body shop for repairs?
Yes, an element of the solution by the insurance company to drivers of guilt shall be the refund of a rental car while the vehicle is being repaired. If you are the driver at fault for the car rental option, and additional premium must be indicated on the declarations page of rental reimbursement Car to apply.
Am I covered when driving a rental car on vacation?
Yes to a customized vehicle insured includes a temporary substitute, like a car Car exclusion is common for this coverage when the rental vehicle is used for business or in the course of the occupation.
 Am I covered if my car is damaged by fire or hurricane, while in the garage?
A Yes and No.A If the global option was selected and shown in the declarations page, your policy will pay to repair or replace your vehicle, less any deductible. Â One of the owners or tenants insurance policy will not cover a motor vehicle under any circumstances.
 Am I covered by the attorney fees if it causes an accident and I'm being sued?
Yes a to the insurance company decide to defend or resolve any litigation which may arise against them arising from the use or ownership of your motor vehicle. is not necessary for you to retain and pay for a lawyer.
A am I covered for towing if my car is disabled by an accident?
A Yes and No.A Where fault in an accident must be collision coverage for your automobile insurance to be a tow expense. covered if you are not at fault in the accident, other drivers insurance will pay for the trailer.
A am I covered for water damage if I drive through a puddle too deep for my car?
A Yes and No.A Unlike homeowners or renters policy to separate flood insurance policy is not necessary for your car to be covered by water damage. However, the comprehensive coverage option should be selected to receive compensation for water damage.
Am I covered if my car engine catch fire?
A Yes and No.A Fire damage is paid under the comprehensive portion of your policy.  If there is no global option its coverage policy will not apply.
Am I covered for specialized equipment installed in my vehicle?
Yes and No.A If you have collision and / or completeness of the policy options that most insurance companies offer a limited amount of specialized equipment payment ($ 1,000 amount is normal). Â For additional coverage to apply may be able to pay an additional premium with your insurance company for more coverage.
Am I covered if my car was damaged while parked by a valet attendant?
A Yes and No.A You should have the option of collision coverage on your policy to cover apply. Your insurance company may take over (collect money) policy valet insurance companies to offset any money paid to repair your vehicle.
About the Author:
Author, Clifford Schimek is a graduate of Florida International University, 1980. He is President of Auto Plus Insurance, a family owned and operated Florida auto insurance agency. For additional helpful auto insurance information please visit our website at
http://floridaautoplusinsurance.com
Article Source: ArticlesBase.com – Florida Auto Insurance Claims Questions – Am I Covered?
