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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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Will my auto liability policy cover the driving of an exchange student?
Will my auto liability policy cover the driving of an exchange student?
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How is the deductible for comprehensive or collision coverage applied?
How is the deductible for comprehensive or collision coverage applied?
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What is a verbal threshold?
Under a verbal threshold, there is no specified dollar amount that determines the cases to be litigated. Rather,the threshold for suing - instead of accepting a no fault settlement - is described in words. For example, an accident that results in a p
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What is a dollar threshold for no fault?
What is a dollar threshold for no fault?A dollar threshold for no fault coverage lets the dollar amount determine whether cases are litigated or not. Claims that fall below the threshold are quickly disposed of through the no fault mechanism. Claims
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May I sue for damages caused in a car accident in a no-fault state?
May I sue for damages caused in a car accident in a no-fault state?
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What is no fault car insurance?
What is no fault car insurance?The theory behind no fault car coverage is that most claims can be settled without litigation and without determining who is at fault. According to the no fault theory, this would eliminate major costs and speed settlem
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Can I add insurance coverage for a motorcycle to my auto policy?
Can I add insurance coverage for a motorcycle to my auto policy? vehicles in an existing auto insurance contract. In addition to motorcycles, those vehicles can be mopeds, motor homes and dune buggies.
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My car is old, And not worth much?do I need collision coverage?
My car is old, And not worth much?do I need collision coverage?If you have an older car that is not being financed, you can probably save money on your monthly premium by dropping collision coverage from your car insurance policy.
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What is the difference between uninsured and underinsured motorist coverages?
What is the difference between uninsured and underinsured motorist coverages?Underinsured coverage provides bodily injury coverage when the negligent driver has some insurance, but it is insufficient to cover your bills. Underinsured motorist coverag
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What are the basic types of auto insurance coverage?
1. bodily injury liability, which provides coverage for bodily injury claims from the people you might injure in an accident.2. property damage liability, which covers any property damages to third parties -- such as another person's car you damage
Most Popular Articles
- What is the difference between "split-limit" liability car coverage and "single-
- Does property damage coverage fix my vehicle if the other driver is at fault and
- Does bodily injury damage coverage apply even if I drive someone else's automobi
- Does my bodily injury coverage cover me while I am a passenger in someone else's
- Does bodily injury damage coverage apply even if I drive someone else's automobi
- If I already have health insurance, Do I need to carry medical payments insuranc
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