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8 Things You Should Know About Auto Insurance
Help control the price you pay, just ask American Insurance Association executive Dave Snyder. For example, Snyder notes that half of your auto insurance bill covers liability
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2006 Auto Insurance Pricing Report: Car Insurance Rates on the Decline
We've seen a trend towards lower cost auto insurance over the last couple of years and the Insurance.com's 2006 Pricing Report supports this conclusion.Based on data drawn from the lowest average auto insurance rates.
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10 Most Expensive 2006 Cars & Trucks to Insure
They say ignorance is bliss, but there are some exceptions. One occurs during the car-buying occasion - a time when emotions run high and thoughts of insurance premiums take a back seat to visions of new-car power and performance.
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How your car model affects your insurance rates
Insurance rates are certainly affected by the type of car you drive, but probably for different reasons than you think. Most of us think that if you drive a sports or high performance car
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Will my auto insurance rates change if I buy a new automobile?
Financed cars require more insurance. Clearly, the amount of insurance you buy will affect the price of your policy. New cars that are financed through a bank will require you to carry a certain amount of comprehensive, collision and liability insura
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Discussing your car insurance claim with an insurance adjuster
If you have had an automobile accident, you will likely want to file an auto accident insurance claim with your own car insurance company, the other driver's insurance company, or both. Once you make a claim, a Claims Adjuster, Insurance Adjuster
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Online insurance policies and settling an auto accident claim
Generally speaking, negotiating settlements with an insurer is the same whether you purchased your policy from an agent or online. The largest insurers offering online policy purchasing
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Settling an auto insurance claim:how long should it take?
State insurance laws dictate whether insurers have specific deadlines in which to settle your claim.
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The initial steps in settling your car insurance claim
Before you think about settling, you should collect all of the documentation you need to prove your claim. Chances are, the adjuster has taken or will take a recorded or written statement from you about the facts and location of the accident
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Evaluating your own car insurance claim
As lay people, we're not trained to evaluate accident claims¡ªadjusters are. But if you are handling your own insurance claim, you must become educated in evaluating such claims or you can easily be taken advantage of and not get the compensation to
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Car accidents and the claims process
After you've submitted your claim to your insurance company, a claims adjuster will usually be assigned to your claim to investigate. You should receive a phone call
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Filing a lawsuit after settling an auto insurance claim
Generally speaking, once a claim is settled, it's settled, and there's no filing a lawsuit at that point. During the settlement process, your insurer will likely have you sign a settlement agreement that
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Do I need to contact an attorney after a car accident?
Generally speaking, it depends on what happened and what injuries were suffered, and to whom. If you and your family members have not been hurt, the answer is probably no. If you or anyone you care about has been injured in the car accident, especial
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I live in a state where I can elect either no-fault coverage or traditional tort
It depends on how you feel about potentially being unable to sue for pain and suffering damage if you are in an accident (no-fault). Some no-fault states, however, have low thresholds for suing, so, in those states,
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My state has a comparative negligence law. How does that work? Who decides how m
The fault for an accident is not always placed squarely on one participant; one party is not necessarily held totally at fault and the other totally blameless. After determining the percentage of fault by each party, the compensation by the insurance
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Is it true that auto insurance rates have been falling across the U.S. In the la
Yes. After many years of rate increases, the cost of car insurance fell slightly, by 0.3%, in 1998, and another reduction is expected for 1999. The total reduction was estimated to be 2 or 3% after dividends on policies issued by mutual companies are
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What is the difference between "split-limit" liability car coverage and "single-
Split-limit coverage uses three numbers to specify the limits for: 1. bodily injury liability for each person 2. bodily injury liability for a single accident (regardless of how many people are involved)3. property damage liability
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Does property damage coverage fix my vehicle if the other driver is at fault and
No. Collision insurance pays for damage to your car resulting from an auto accident. It does not matter who was at fault. If the other driver was at fault, your company may try to recover the amount they paid for your damages from the other driver or
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Does bodily injury damage coverage apply even if I drive someone else's automobi
No. Bodily injury liability insurance covers damage resulting from an accident involving any of your covered autos, for which you are responsible. Members of your family and others with permission to drive your car are also covered. Likewise, if you
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Does my bodily injury coverage cover me while I am a passenger in someone else's
No. Your bodily injury liability coverage pays for losses resulting from death or injury in an accident that is your fault. For it to be your fault, you must be driving.
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Does bodily injury damage coverage apply even if I drive someone else's automobi
No. Bodily injury liability insurance covers damage resulting from an accident involving any of your covered autos, for which you are responsible. Members of your family and others with permission to drive your car are also covered.
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If I already have health insurance, Do I need to carry medical payments insuranc
If you are not in a no-fault state, you are probably not required to have medical payments insurance. Medical payments insurance pays medical expenses that result from an auto accident, regardless of who is at fault. It covers people riding in your c
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I financed my car through a bank and at that time could not afford comprehensive
Yes. If you finance or lease a vehicle, the bank or leasing company will expect you to have enough comprehensive and collision insurance coverage to protect their interests. If you did not have such insurance and the vehicle was severely damaged or s
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Does collision and comprehensive cover mechanical breakdown or normal wear and t
No. Collision covers damage to your car resulting from an accident. Comprehensive covers damage to your car from a variety of causes, including theft, storm damage, and vandalism.
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Will my personal car insurance policy provide coverage if I use my vehicle for b
Business use is just one of the factors that affect your insurance premium. If you have properly reported to your agent how you use your car and the number of miles you drive.
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Does rental reimbursement provide coverage if I take my car to a shop for mechan
No. Rental reimbursement is for cars that are being repaired as a result of accidents or other insured damages (storm damage, etc.).
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Rental car companies sell collision damage waiver (cdw) coverage which shifts li
In most cases you can save money by declining the CDW coverage. But before you act you should make sure that you have adequate coverage. Your own auto policy may cover you adequately -- check your policy or ask your agent.
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I do not own a car, But occasionally rent one for my vacation. Do I need to purc
You probably do not have car insurance since you do not have a car. Even so, you might have alternatives to purchasing CDW coverage. For instance, if you are going on a business trip, company insurance could be in effect. And if you charge the rental
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Will my policy provide coverage if my teenage son, Who does not have a license y
Yes. In general, your policy covers you or other family members and friends who drive your car. Your son may have a problem with the law for driving without a license, but he should be covered.
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If I go on vacation and rent a vehicle, Does my auto insurance policy provide co
Yes. If you are renting a car on vacation, your personal car insurance policy will cover you.
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What happens if I am driving someone else's car and become involved in an accide
You are covered by the car owner's insurance while driving his or her car. So the car owner should contact his or her insurance company and file a claim.
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If I rent a truck to move my pesonal property, Will my car insurance policy prov
If the vehicle is a van or pickup, you may be covered under your car insurance policy. If it is a truck, you will need additional coverage, which you can purchase from the rental company.
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When I buy an additional car, Is it automatically covered by my car insurance po
No. You should notify the insurance company as soon as possible. It is usually advisable to talk to your agent and get an estimate of the price of the new coverage before finalizing the purchase of the car. The price of the insurance could be a facto
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I'm enlisting in the military after high school. Does my california car insuranc
Yes. However, if you eventually become a permanent resident of that state, you should get a driver's license, registration and insurance from your new state.
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Does my auto liability cover another driver doing something criminally wrong whe
If someone steals your car and wrecks it or injures someone, they are responsible for the damages ¨C not you and not your insurance company.
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My former spouse and I have joint custody of our teenage son who will be getting
This is something you should decide with your former spouse. The one with the greater financial resources would be the most likely choice to add your teenage son to the car insurance policy.
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Can my daughter or son, Covered under my auto policy, Drive someone else's car a
Any time your son or daughter is driving someone else's car, they are covered under the car insurance policy of the person whose car they are driving.
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In buying or leasing a new car, How can I be confident I will be able to insure
Call your insurance agent and ask. Give your agent all the information and get a quote on the premium. If it looks like there will be a problem getting affordable insurance, you will be happy you found out before you made the purchase.
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If I drive through a state that has no fault or has higher coverage requirements
You probably are. Most policies have provisions that make your insurance comply with the insurance laws of the states you visit.
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Am I covered if I use my car in a car pool?
Am I covered if I use my car in a car pool?
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Is my personal auto policy good if I drive to Canada or Mexico?
Is my personal auto policy good if I drive to Canada or Mexico?
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If I lend my car to a friend, Is he or she covered by my car insurance policy?
If I lend my car to a friend, Is he or she covered by my car insurance policy?
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Will my car insurance policy pay for a rental car for me if my car is stolen?
Will my car insurance policy pay for a rental car for me if my car is stolen?
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What is gap insurance?
What is gap insurance?GAP insurance provides coverage in the event the car is totaled. It pays for the gap between the amount due under the lease and the actual cash value of the car at the time of the accident.
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What kind of car insurance do I need for a leased car?
What kind of car insurance do I need for a leased car?
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My son has left for college. Do I still have to include him on my policy?
My son has left for college. Do I still have to include him on my policy?
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Can I get liability insurance if I don't have a car?
Can I get liability insurance if I don't have a car?
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Who pays for the rental car while my car is in the body shop?
Who pays for the rental car while my car is in the body shop?
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Does my car insurance policy pay for damage to a rental car?
Does my car insurance policy pay for damage to a rental car?
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What does rental reimbursement insurance provide?
What does rental reimbursement insurance provide?
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Most Popular Articles
- 8 Things You Should Know About Auto Insurance
- 2006 Auto Insurance Pricing Report: Car Insurance Rates on the Decline
- 10 Most Expensive 2006 Cars & Trucks to Insure
- How your car model affects your insurance rates
- Will my auto insurance rates change if I buy a new automobile?
- Discussing your car insurance claim with an insurance adjuster
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