automobile insurance
automobile insurance questions and answers
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Q: Automobile Insurance...?
I was scaning a list of questions and the term "assigned risk" came up. What is assigned risk?
And what would you think the cost would be for car insurance with StateFarm and Geico, I as the principle driver? I know gender and maternial status make a difference, but in general.
I have looked on the site, but I am not going to sign up to any insurance unless I know what the deal is.
Thanks in advance!
A: Assigned risk "pool" is a State program that is designed to provide insurance at basic required limits for drivers that have been rejected by (normally) three or more carriers.
There is not ONE insurance company that is good for everyone - as there are too many variables to consider!
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps!
Q: what are the types of automobile insurance in USA ?
I'm doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars... a claim saying that USA's provisions are strictly applied ..i.e the son driving his father private car is not entitled to any compensation in case an accident is occurred .....because it's not the "son" car..(which at the same time is not going the same way here ...as long as the car is insured so anyone drive it is insured ..regardless of the owner of the car...and just there it is the debate point...what do you think about it ?
so ,I'll appreciate if you could feed me with any thoughts any idea any information any links concerning that or even automobile insurance in general...
A: First review this posting I made to another question a while back. In it, I listed the different kinds of auto insurance, the importance of getting more than the minimum required by law, and for a new driver the importance of getting it before taking possession of the car. I also talked about new car financing options.
One thing I did not address here, but is important. You need to get some kind of identity theft protection insurance because the act of buying a car, and registering it, are additional ways your records can be exposed to that threat. .
http://answers.yahoo.com/question/index;_ylt=AvzeSUGRZPc63UvNTBMTtIPty6IX;_ylv=3?qid=20070719151415AA3ACTP
With respect to your specific quesitons, the insurance and fault, lies with a combination of who is driving the car, if they have the permission of the owner, and the owner of the car, and what insurance is on each, and the rules of the state ... different states have different rules. I gave some links in the above answer. You also need to review fault vs. no-fault states and what requirements there are to have proof of protection with you ... some states just require proof, others require you to have the proof with you when you driving.
Suppose you have a family car and a teenager coming of driving age. Your auto insurance needs to spell out whether or not the teenage child is covered. If there is an accident with the child, the insurance company can deny claims on the grounds that you had not been paying the extra money to have the child covered by the policy. It can be very expensive to add a teenage driver to family auto insurance policy, but much more expensive to buy separate policy for the child.
Insurance rates vary with the type of car. There is the perception that kids will drive faster and more dangerously in sporty cars. There are also some brand names more favored by car thieves. This impacts risk and thus insurance rates.
I am an older driver. I have a special discount on my insurance rates by me refusing to let any person below the age of 25 drive my car. This means that when I park my car, I cannot go to those places where they have some valet or mechanic park my car, because I don't know ages of people employed there.
It is all about risk of auto accident. What you can do to reduce risk gets you lower insurance rates.
What do you mean by commercial cars .... renta-a-car at airport, have a company where car or pickup truck or van belongs to the company & various employees drive it?
If you plan on driving your personal car to another nation like across the US-Canada border, you should talk with your auto insurance agent first. The risk of having a car stolen is much higher if it is in Canada with US license plates. There's other adjustments to the risk that you want to review in advance.
You might also ask your personal car auto insurance agent about how that coverage applies to a rental car. For example, I have a high deductable on my personal car to reduce cost of insurance, and I am willing to drive around with a few dents & scratches, but I might not want deductable when using a rental car.
As for a company car driven by employee, you need to ask both your private insurance and the employer about this ... for example, I would expect that the ONLY drivers authorized by the insurance on the company car are employees of the company (not their family members or friends) or people at some auto repair place.
If company car gets in an accident, where the driver had permission of the employee of the company, the company insurance is not going to cover that, if the rules of the company and company insurance did not include drivers other than employees.
So the scenario may be legal driver, but the insurance has to be the insurance that is carried by the driver, not by the vehicle.
When you get your driver's license, you have to show proof that YOU have auto insurance.
When you get your auto registration, you have to show proof that YOUR CAR has auto insurance.
When it is only you driving your own car, then same insurance. When you loan your car to someone else to drive, it gets more complicated, depending on restrictions in your insurance (like mine does not cover driver below age 25), and state law.
Q: what is the phone number for florida automobile insurance?
i recently was in a car crash and the guy who hit me said that he has florida automobile insurance . i wasnt able to locate the company through any one. so hopefully one of you have the number and can get it to me.thank you
that is the name of the insurance the guy told the police and me
A: That's not a name of an insurance company. This is precisley why you should always call the police to the scene of an accident.
Q: How long does it take an insurance company to issue an automobile insurance policy after receiving deposit?
I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy?
P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even though I don't have the new policy, and just the "temporary" insurance card.
There has to be some type of law that gives insurance companies a certain amount of time to send out the new policy. If anyone knows please post.
A: Well for one your first payment is not a deposit. It’s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment.
Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your situation is unusual unless like someone said, the policy might be going to your agent first and the agent then has to mail it to you, but again that’s a highly unusual practice. Check with your agent. It may just be that the carrier is slow to issue policies?
Take care!
Q: Can my automobile insurance company replace my broken/cracked windshield?
I heard that your insurance company will replace your windshield if it gets hit. For example, what if the windshield is hit by a rock and makes a crack, will they replace it? I also heard that it will be free and it won't increase the price of my insurance policy. Are all of these true?
A: You need to call your insurance company or read your policy. Every company is different, and it depends what level of coverage you have. It has nothing to do with what state you're in. The minimum liability insurance that you are required to have does not cover it. Many "full coverage" plans do cover it, and the deductible will vary based on your policy. It will probably only be free if its reparable, and you'll have a deductible if it needs to be replaced.
I had this once while I was driving my dad's car. It was lucky that I was in my dad's car because his insurance covered it. I just called the insurance claims line and they told me the closest repair shop and set an appointment for me. It was a $100 deductible, and it did not affect the rates at all.
Q: If I dont pay an automobile insurance payment will it affect getting insurance in the future?
Im not sure why I owe this insurance company $75, but I blew it off since they didnt notify me until my policy had ended. Now Im recieving letters from a lawyer attempting to collect. I understand if I dont pay it that it will affect my credit score. Besides the dent in my credit, will the unpaid payment deny future insurance with another company.
A: Yes. In most jurisdictions insurance companies will check with your previous insurance company and so will become aware of the unpaid amount. It will then have an impact on your premium.
It is $75 just pay it.
Q: What is a good way to tell how much automobile insurance you need?
My insurance agent is always trying to sell me higher and higher limits, which of course cost more than lower limits. Most recently he recommended insurance that would cover up to $1 Million in liability per incident. Do I really need that much insurance? I been driving for decades and have never had an at fault accident.
A: The limits of insurance you purchase is dependent on a number of things. Lets say you purchase a policy with Bodily Injury/Property Damage Coverage of $50,000/$100,000 and Collision coverage of $50,000. This means you have $50,000 dollars coverage for any one person injured and $100,000 dollars coverage for all persons injured, and $50,000 coverage for any property damage you cause. You would be personally responsible for any injury or damage over that amount. Another consideration is Uninsured Motorist coverage. This will cover damage to your vehicle if you are hit by an uninsured driver (you don't need to use your Collision coverage, and you won't be penalized) If you have a lien holder on your vehicle and you owe more than the insurance value of your vehicle, you should consider Gap Coverage. This coverage pays any amount above what the insurance company pays in the event of a total loss. I believe your insurance agent is looking out for your interest. You should speak with him about the coverages, especially is you have large assets.
Q: Will automobile insurance pay my expenses while away from home?
I was in an accident while 350 miles from home. It was 100% the other driver's fault. My car is not drivable and has been at the body shop for 5 weeks. It should be done in the next week. In the meantime, My children and I have been staying with my mother. I was only supposed to be here for 2 weeks and I want to get home! Is the car insurance company responsible for paying for expenses, or the inconvienience of my being away from home for so long?
We live in Pennsylvania.
They have provided me with a rental car.
Thanks for all of the great answers! So, if I had driven back home, and then back here when the car was ready, and then back home again, I would have had to pay for the gas myself? I guess I was better off by staying put, even if it meant being away from home for six weeks 9 and missing Valentine's Day!)
A: riverratbilly, Home insurance is actually very flexible. I'm not familiar with all the details of my policy, but my home insurance agent is always helpful. Try calling your agent or a homeowners agent in your town. http://www.goodinternetdeals.com/Home-Insurance.html They should be able to help you.
Q: Why does it cost more for a man to get automobile insurance than it does a woman to get car insurance?
I know back in the 80s it was because men were in more car accidents, but nowadays, it's about the same, yet men pay more for their insurance than women do? At least that's the way it works in Canada.
A: men are known to drive faster and are not as cautious as woman that is what happens when you are a man
Q: Do you need any kind of special automobile insurance when crossing the border from the U.S. to Canada?
I was told you have to have an "attachment insurance" on your car insurance policy in order to cross the border......can someone plz let me know? I am planning a trip the beginning of June from Ohio, and would hate to drive that far and not be able to cross. Thanks in advance to all.
A: Ask your insurance company, they are the only ones who can tell you for sure, but usually car insurance is good for Canada and the US if you are insured in either country. Car insurance is mandatory in all Canadian provinces so you won't get in an accident with an uninsured driver unless you're unfortunate enough to come across some idiot who is driving illegally.
Q: Where can I find laws governing military personnel and automobile insurance in NC?
My son who is in the military, insurance was cancelled inNC. But his car is registered in NC. He is stationed in Kansas, and has his car with him there. The Insurance company said that while he was stationed there he would have to move his insurance there. If it is still registered here and pays taxes on it here then why does he have to insure it there.
A: Because the insurance laws in KS differ from those in NC. NC requires coverages not required in KS, and vice versa. Any vehicle operated in KS more than 6 months out of the year is subject to it's financial responsibilty laws, no exception for people in the military. Likewise, the rates in NC are based on risk in NC, whereas the risk in KS is completely different, as such so are the rates. It does NOT matter where the cars registered- the car is in KS, and is exposed to the risk present in KS. In my experience, it should be cheaper to insure there anyways- so why fight it?
Q: Where do I go when automobile insurance won't be renewed?
My wife was involved in 3 small accidents, in the space of 14 months. Total damages amounted to approximately 5,000 dollars. The company has chosen not to renew her insurance. We live in Michigan, and we had been covered by State Farm. These were the first claims that we made in 14 years with the company. Is there an insurance company that would likely accept us as customers? Is there a specific company here in Michigan that you would suggest? We live up north, near West Branch. Thank you.
A: Well I don't know if you have AAA Insurance there, but here on the west coast there great. I had farmers when my son got in a accident totaling 15,000 damages, there way of getting rid of you was to raise my rates to over $1000.00 a MONTH. So don't try them. Search for insurance quotes online. My son has a off the wall company called western united and his rates are $80 a month now. So you may want to try a company that's not popular to get better rates. Good Luck
Q: how do automobile insurance companies get their ratings?
looking for new auto insurance and some are much less than others but I was told by some that the low quotes are from low rated companies, so how do they define high rated from low rated?
A: There are several companies that rate the insurance companies. We go with A. M. Best's ratings. The look various items that say how well the company is doing and how likely they are going to have the money to pay claims. A lower rated company does not have as much money, so in the event of a lot of losses they may not have the money to pay all the claims. Example of a major loss is Katrina. Some insurance companies went out of business due to all the money they had to pay.
Q: What is the best automobile insurance for a classic car?
I have a 1953 Ford Customline, chopped. I currently have Mercury, but it is not for classic cars, so they will only pay ACV.
A: Hagerty is a good one. You can either contact an agent or go online to www.hagerty.com for a quote. They do have good rates but the best thing to do is check with an independent agency. They usually have a couple of different companies they work with for classic vehicle. Make sure that it is an agreed amount policy
Q: Whats the name of the company that offers automobile repair type insurance on automobiles under 150,000 miles?
Whats the name of the company that offers automobile repair type insurance on automobiles under 150,000 miles? Ive seen the commercial a few times but can not remember.
Its a type of extended warranty.
A: Any insurer will offer you a comprehensive policy as that's what you are talking about.
With comprehensive, whatever happens to your car they'll fix it.
Here's how Vehicle insurance works
http://www.wikipedia-english.sleekbytes.com/?title=Vehicle_insurance
and here you can get quoted
http://4ym8.com/del/car-insurance-quote.php