Talk to your agent. If he can't get you answers that you believe call the 1-800 number for you company. They should be able to give you good advice unless it's the same company. Your second option is to look up your states insurance law. Every state has their own, some favoring the you and some the insurance companies. If in doubt call your states insurance commission. If the company is trying to beat you out of what you are they will fix the problem fast. We had a kid here who was in a wreck test driving a vehicle. He was at fault. The owner had told the kid it was insured and it wasn't. His insurance agent told him it wasn't covered. Here, at the time, insurance followed both the car and the driver. That means you don't have to have insurance if you are driving someone else's vehicle as long as it's insured and if you own auto insurance you can drive a vehicle that is uninsured on your insurance. After he was told, 2 years after the fact that he was indeed covered he called the state insurance commission and was reimbursed by his insurance company very fast. Had he called the company rather than his agent it would have been done right after the accident.
Some of the advice on here is good. Remember, insurance law varies state to state. You have to go by the laws of your state.
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Today's Featured Article - Harvestin Hay: The Early Years (Part 2) - by Pat Browning. The summer of 1950 was the start of a new era in farming for our family. I was thirteen, and Kathy (my oldest sister) was seven. At this age, I believed tractor farming was the only way, hot stuff -- and given a chance I probably would have used the tractor, Dad's first, a 1936 Model "A" John Deere, to go bring in the cows! And I think Dad was ready for some automation too. And so it was that we acquired a good, used J. I. Case, wire tie hay baler. In addition to a person to drive th
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