Q - If someone is driving my car and they have full coverage insurance but I have liability, will their insurance take care of the damage if they are at fault?

A - ​NO! Insurance follows the car, not the driver. Your insurance is the responding one and if you only have liability, then your damages are NOT COVERED. The damages done to the other vehicle are covered but for yours, no. Sorry.

​1- Your age 2- Where you live 3- your driving record 4 - your claims history 5- Your credit 6- Homeowner or renter (Bundle policies in either case) 7 - Who else is in your household that drives 8 - Year, make model of your cars (some are more expensive to repair) 9 - How you use your vehicles, basically 3 levels: Pleasure, To/From work 3–15 miles, Business use. And then every insurance company will use these factors in a different way - weigh the factor more one way than another.

Q-Hi friends! What do you normally tell your peeps when they ask about taking the insurance out on a rental car while being on vacation? I feel like it’s such a gray area. TIA!

A-It is a temporary substitute auto, so whatever you have on your car, extends to the rental. So no collision on your own car, no collision on the rental. But also things to consider:
*With no waiver, that claim now shows up as a claim on your insurance
*The rental company MIGHT get you for diminished value of the rental car
*They could demand "loss of use" for the rental car until repaired

We tell them the coverages that extend to the rental but always recommend they take the coverages from the rental company to fill any potential voids in coverages if a claim were to arise.

Every small business should have an endorsement on their insurance policy called Hired & Non-Owned auto insurance. This is coverage for your business when you tell "Sally" to run the bank deposit to the bank for you. Or you tell "Bob" to go to Office Depot to pick up more envelopes.

You see, when you ask an employee to use their own vehicle to runs errands for your business, it could put their own auto insurance in jeopardy. Some personal auto insurance policies could deny coverage for using their vehicle for business use. I've seen it happen, not often but it does happen. If you are the business owner, you don't want to see an employees auto accident get denied when doing you a favor.

So just know there is a way to not get into this mess by adding hired/non-owned auto coverage on your small business insurance policy. As you can see in the example above, it doesn't cost that much money.

Earthquake insurance is not something that is ordinarily covered on a homeowner insurance policy. It is, however, an endorsement to a homeowner policy where it can be added on for a fee. The typical earthquake coverage is approximately $125-$200 a year. This would be for a New York homeowner because in California, this would be several thousand dollar - not a few hundred.

In the Northeast, many homeowners prefer not to add this on to their insurance policy due to the infrequency of the occurrence.