general auto insurance
general auto insurance questions and answers
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Q: Is Western General auto insurance any good?
I got a quote from survival for auto insurance that was better than most others. The company who is insuring me is western general. I never heard of this company and am a bit worried about how they handle accidents. Are anyone else insured by Western General? If so how are they and how do you rate them?
A: If they're cheap, I'd take it. Go with the cheapest company
Insurance companies all like to paint a rosy picture about how they handle accidents and how helpful and friendly they are in their commercials, but it's all BS.
It's the insurance adjuster's job to try to pay you as little money as possible and to slap at least part of the blame on you so your rate can be raised.
Q: who is normally allowed to drive your car under most general auto insurance policies?
A: Normally any licensed driver may operate the vehicle with the owner's permission.
There are some exceptions to this. If the driver lives in the owner's household they must be listed on the policy as an authorized operator. Additionally some policies restrict operation to non-listed drivers to over 21 or over 25. That's pretty common in the UK but rare in the US.
Auto insurance follows the vehicle, not the driver. SOME policies extend the coverage of the named insured or listed drivers to any vehicle operated by them but this is not universal. Sometimes this is restricted to a temporary replacement vehicle while yours is being repaired or is out of service due to breakdown or accident. Others cover any vehicle at any time such as a rental when you're traveling or if you borrow a car from a friend. In these cases the insurance is secondary to the owner's coverage and will only pay once the owner's coverage is used up.
Q: Has anyone heard of City General Insurance? Is it safe to get auto insurance through the phone or internet...?
I need auto insurance A S A P and I am afraid to make a mistake. And settle for just any and it end up being a mistake.
PLEASE HELP!!!
I live in California
A: Googling "city general insurance" seems to suggest that it operates only in Bangladesh! You don't say where you live, but if you're in Bangladesh, it might be OK; elsewhere I'd suggest a company you've heard of, or one recommended by friends.
Q: How good isThe General auto insurance?
AZ people unless its offered other places
A: I am not in AZ... but someone I had an accident with had that company... I think it was of no good.
My car was totaled and it took 4 weeks to get them to write the check. and then another 4 months to settle medical.
Q: I'm looking for auto insurance, is the General a good auto insurance? Are they reliable?
I have 21st century and my premium is high, so I looked into the General and they're only charging me half of what I'm used to, but in case of an accident, do they really back you up. I've heard of some crooked companies, would this be one among them.
A: hi.........
To get details regarding autoinsurance and to get more relavent information visit the web site.....
Q: If auto insurance will pay a claim when the insured is at fault, why is it different with general liabilty?
This deals with contractors and sub-contractors. If I am paying for a general liability claim why won't insurance cover damages in an accident?
A: Ah, I just sent you an email on this. Your GL policy has an EXCLUSION in it, for damage to YOUR WORK. So, if you drive into it with your car, your auto policy does NOT have an exclusion, as long as it belongs to someone else, it's covered under your property damage liability of your auto policy.
But damage to YOUR WORK, including but not limited to faulty workmanship, is specifically excluded under your GL policy.
There MIGHT be some coverage for an accident (but not faulty workmanship) under the builder's risk or installment floater in place, by the GC or the owner. On the CGL form, refer to exclusions, section j. damage to property, paragraphs 5 & 6 - excluding damage to the part of real property that you or any contractors or subs working directly or indirectly on your behalf, performing operations, if the work was incorrectly performed by you, and K & L, property damage to your product or work, including products & completed operations.
Might be TMI, if you've even read this far . . .
Q: What is non-standard auto insurance (such as Anchor General?)?
I was hit by someone insured by this company. I hadn't heard of them
and neither has my mechanic.
A: Non-standard carriers are carriers that specialize in higher risk drivers (young drivers, odten-ticketed drivers, etc). You don't hear about them as much, because they have insurance agencies sell for them. For example, Anchor General will offer an insurance agency a commission to sell their company to the public. They, in turn, will sell Anchor General to the public. This is how smaller insurance companies save on advertisement.
Companies like AAA, Allstate, Farmers, Geico, State Farm, etc are known as preferred carriers. They specialize in low-risk drivers, and offer low rates and extra discounts to good drivers.
Sometimes company names are irrelevant in claims. I've had clients tell me some of the preferred carriers are bad with claims. It's really about the adjuster you deal with.
Q: Auto insurance company that wants me to pay upfront?
I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "reimbursement" check. I don't want reimbursed for something that their insured driver did to me! I just want them to cover all costs associated with the claim! What, if any, legal action can I take to have the matter proceed in my favor?
A: File it through your ins co. You will pay the deduct but your ins will cover the costs and get reimbursement from the other ins co.
Q: In general, how much should one expect to pay for the minimum auto insurance?
I'm in NY, 22, 1 speeding ticket ever, no accidents, 94 altima. I know that's probably not enough info, but what's a ballpark number?
A: As above it is hard to estimate, since all states are different, as well as we don't know all your information (type of car ect.)
The best thing for you to do, in order to get a accurate figure, is get an online quote. Go to http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html
This will compare all companies in NY, and give you the cheapest ones.
hope that helps
Q: What Auto Insurance Company do you use and would recommend?
And have you ever heard of western general insurance company / Insure Express? They have a pretty good rate, but I've never heard of them before.
A: State Farm Insurance they are very helpful with any questions you may have
Q: Help with general terms for most auto insurance policies.?
I started working on this, but I want to double check my answeres before I submit it. Please help me.
Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response.
Help him out by doing that for each of the following items.
The cost of a medical checkup for his passenger, Ruth
The front and rear damage to his car
The damage to the car in front of him
The damage to the car behind him
The total amount of liability protection for bodily harm and property damage
A: Assuming Bob was at a complete stop when he was rearended, he would not be at-fault for the accident. Let's also say, that Bob has Personal Injury Protection because he lives in a No-Fault state and also has medical payment coverage which covers the driver and all occupants regardless of fault. This would be on the Declarations Page.
1.) The PIP coverage and/or medical payment coverage. Either of these coverages would pay for a percent or the entire amount of his passenger's check up.
2.) The damage to Bob's vehicle is covered under his Collision Coverage, less his deductible. If he is not at fault, then his insurance company will subrogate against the at fault driver.
3.) Property damage would pay for the vehicle in front of him, but given the accident scenerio, he does not have any liability.
4.) The guy in back of him was legally liable for the damage to all vehicles including his own.
5.) Refer to the Declarations page under Limits of Liability. They may read something like, $50,000 per person/$100,000 per accident/$50,000 property damage.
Q: I have a small office cleaning business, will my customers ask for proof of my auto insurance?
Will they need proof of auto insurance or just a certificate of insurance of general liability insurance to cover slip and fall cases etc.?
A: I can't think of a reason they would need your auto insurance. You're not using your car to clean their offices.
However, if you don't have auto insurance, you need to get it for your own protection. You don't want to risk losing everything you've worked for in a lawsuit should you have an accident.
The liability is to protect them from any damage you might do or cause in the course of your work. Obviously, you need to do everything in your power not to cause any damage or leave a floor covered with soapy water and cause someone to fall but they need to be protected in case something does happen.
Q: Auto Insurance?
I live in florida and had direct general auto insurance. I got a new policy with geico that is $60 cheaper per month and wanted to cancel direct, and they told me I have to come to their office to cancel. I am not about to drive 30 miles to their office in my old beater truck that goes through a quart a day, and stalls every other block, just to cancel insurance that costs more per month than my whole truck was. Will my license get suspened or will they just cancel the policy if I just abandon it and use geico?
A: As long as you have continuous coverage, meaning that you have the Geico policy in effect before you cancel (or allow to lapse for non payment) the direct general policy, the state will have no problem!
Send the agent a certified letter requesting that your policy be canceled as of the day after the geico policy starts!
Q: which is a good company to teach insurance? general life, health and auto?
A: I like the local agent associations - you can find yours at www.iiaa.org
Q: What is a typical range of costs for teen auto insurance?
I have to say - this field is RIPE for a good consumer survey that gives some general ranges of insurance by state or region. Nearly everything online - (correction - EVERYthing) on line links to get quotes from insurers (commercial sites) . Fine, but suppose a kid is in the early stages of learning about cars and parents are new to the kid driver insurance game and they just want to get a feel for ranges of prices based on region, car type, first time driver, male/female, etc. Let's assume a modest new car in the $25,000 new range and a responsible kid with middle income family - good insurance history. The new driver is added to current parent policies. Is the range $1000 to $3000? Or narrower ... $1500 - $2500.
A: I have seen insurance go up by 800-over 5,000 by adding on the first teen driver. The best bet, and easiest way to save money is to find a company that will actually let you rate the driver to the vehicle they drive and NOT the highest rated driver to the highest rated car (which is what a LOT of them do). If you can find a company that will do this, buy a car that you will not need full coverage on. This will save the most money.