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Golfballs
and More
MetLife
Auto & Home® solves your
insurance issues
Follow
the links below to find answers to the questions of interest
to you -- or ask a question of your own!
[Q]
I travel a road several times a day that runs parallel to
a golf course. If my car is hit by a stray ball, should I
pull over and get the golfer's insurance information?
[A]
Technically, the golfer whose ball hit your car is responsible
for any damage. However, it's unlikely that you could positively
identify the guilty golfer, especially because you had your
eyes on the road (we hope) and not on the course. The golf
course probably has liability insurance; it may cover your
loss. The good news is that if you carry comprehensive coverage
as part of your auto insurance, you'll be covered* for physical
damage to your vehicle caused by things such as vandalism
and stray golf balls.
*See
policy for restrictions.
[Q] My son is in the military and is deployed in Iraq.
Is he required to keep his car insured while he is overseas?
There is an outstanding loan on the car.
[A]
Let's break this down into two parts: liability and physical
damage coverage. Most states require car owners to purchase
liability insurance. If your son's car will not be driven
by anyone while he is deployed, it may be legal in some states
to suspend liability coverage.
Physical
damage coverages, such as comprehensive and collision, are
not mandated by states. However, many lenders require borrowers
to carry auto physical damage coverage regardless of whether
the owner drives the car or not. That's because even a parked
car could be stolen, damaged by fire, or vandalized, and the
lender wants to make sure its investment is protected. Your
son should call the company that holds his loan to discuss
options.
Contact
MetLife Auto & Home to find out what coverages are legally
required in your state.
[Q]
While cleaning the carpet in my apartment,
I moved my stereo out in the hallway, where it was stolen.
Would my renters insurance cover the theft?
[A]
Yes. A standard renters, home, or condo insurance policy covers
the theft of your possessions not just from inside your house
but wherever they are in the world, whether they're in your
bedroom, your car, or your apartment building's hallway. There
may be limitations on expensive items such as jewelry or art.
See policy for restrictions.
HOT
TIP
Typically,
July has the highest number of home burglaries, so lock up.
About one-third of burglars gain entrance through unlocked
doors and windows, according to the Burglary Prevention Council.
Don't forget to secure pet entrances too.
Got
a Question?
Email it to us at editor@MetLifeYourLife.com.
Or, write to us at: MetLife, Your Life, Dept. LN304, 1716
Locust St., Des Moines, IA 50309.
We regret
that due to volume we are unable to respond individually to
questions.
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