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Answers to Common Insurance Questions

Erase any doubts you might have about what insurance coverage is right for you.

Whether you’re a new driver, a new homeowner, or are looking to earn extra income as a Lyft driver, you have questions. AAA is here to give you the answers to help erase your insurance doubt.

When I get my car, can my friends drive it?

If you lend your car to someone who is not on the policy and something happens, your insurance is the primary coverage. If your car is in a collision where the driver is found liable, your insurance will be the first to pay the damages, in most cases. The coverage is dependent on the levels of liability and collision coverage purchased on your policy. Therefore, be careful and use your judgement when lending a vehicle to a friend, especially if they are a new driver.

What if I decide to become a rideshare driver?

While rideshare companies typically cover the portion of a trip when the passengers are being transported, there is a coverage gap for the time between accepting a call and picking up a passenger. Your personal auto insurance alone does not cover this gap. A Transportation Network Company (TNC) endorsement covers this gap and keeps you covered.

Do we have to have insurance before we buy a house?

Yes, in most cases before a lender will fund your loan, you will be required to obtain a homeowners policy to secure a mortgage.

Does homeowners insurance cover our wedding rings?

Homeowners and renters insurance have limited coverage for jewelry, such as wedding or engagement rings. Not to worry: To protect these investments, speak with your insurance agent, who can provide coverage for specific pieces of jewelry that you want to protect.

What happens if our house is in a flood zone?

Homeowners insurance does not cover against flood damage. If you live in a flood zone, it's a good idea to invest in separate flood insurance coverage. Ask your agent for more information.

Can age affect a premium?

Yes, age is a factor in determining risk and pricing for insurance. As new drivers, teenagers have a higher likelihood of being in an accident, which could result in higher premiums. Members can receive a discount for their teen drivers by having them complete an online TeenSmart driving education program. Ask an agent for more information.

Are my glasses covered under my homeowners policy?

It depends. If the glasses are misplaced, they are typically not covered under a homeowners policy. Coverage for broken glasses would only be covered if accidental damage coverage is selected. In cases where they are covered, such as theft, the cost of the glasses will be lower than the deducible so it would just be worth buying a new pair. For very expensive glasses, your insurance agent can help you identify which situations they should be covered. Ask an agent for more information.

The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent. Insurance products in California offered by AAA Northern California Insurance Agency, License #0175868, in Nevada by AAA Nevada and in Utah by AAA Utah. Insurance provided by CSAA Insurance Group, a AAA insurer.