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@sazzyv1010 Is there a weather event happening in CA? Temp restrictions can be the result of incoming weather. Otherwise just have her ensure that she’s including both of these incidents with as much info as possible when she builds the quotes, not just making the insurance company do all the...

@davidbill They’ll typically open up the coverages that could come into play, think of it like they are primed and ready to hear if she has medical costs. If no such receipts are communicated then it would just close at 0.00. That said, the “going to hurt tomorrow” could have just been more of a...

@smiles917 It’s because there are a lot of rules about what they can’t base price off of, that they’ll cling to any factor they’re still allowed to discriminate based on.

@here2helpyou Yeah same difference, reach out to several companies and try going directly through the big companies rather than using a middle-man agent/broker.

@here2helpyou The length of the lapse could make a difference, but it’s negligible at best. If you’re going to get a car sooner than 6 months I’d just take the first 6 months knowing that it’s going to be the highest premium you see, as continuous insurance builds up quickly. Don’t hesitate to...

@here2helpyou It won’t do much unless you maintain it for 6 months but then it will make a big difference when you get quotes.

@here2helpyou They won’t care if you were driving or not necessarily. They will only care about the lapse of time you didn’t have insurance, whether you had a vehicle or not. That said, many of the companies are going to put 2 and 2 together to realize you had an accident during that lapse. That...

@bobf1009 If you have receipts to justify payments for loss of use then submit them, you’re going to have a hard time receiving money through LOU for being the person that’s been driving her around as you likely can’t produce a receipt for cost incurred like you could a rental receipt from...

@cobondservant You didn’t get a point on your driving record which contributes to the suspension or loss of your license eventually. You did get a seat belt violation though, the cop didn’t have to tell you anything but he was likely defusing you while documenting your infraction. Insurance...

@brandon05w Yeah lol there’s no way an insurance company could justify charging almost the value of your vehicles combined per year just to protect them up to their value if something happened. Glad to hear you found a better (or just a realistic) set up.

@brandon05w Keep shopping other insurance companies for a better rate. 9200 for a year with your fleet seems extreme, unless someone in your family has a colored driving history.

@mmtb34 Seems like a reasonable price, you have a new car warranty coverage on there as well.

@readercuthbert because Car A travels more distance. Either way you'll have to go through your insurance because what is happening is Car A is saying "i stayed in my lane" and Car B is saying "i stayed in my lane" so the insurance for Car B sees no reason (and no evidence) to assume their Car B...

@readercuthbert It’s more likely that Car A crossed over, being that people do that all the time. As a result it’s on Car A to prove it’s not what happened, because Car A is trying to convince Car B’s insurance.

@readercuthbert Assuming this southbound road is a 2 lane road, Car A crossed over into the right lane of the two (maybe not all the way but also perhaps didn’t see Car B so ‘barely crossed over’) but ultimately struck Car B that was turning right which is assumedly closer to them. The left...