car insurance company
car insurance company questions and answers
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Q: How does a car insurance company know how often I use my car?
I know that the less I use my car, the less the car company will cost me. But how can they know how often I use my car?
If I buy car insurance claiming that I always use public transportation to work, will they believe it?
A: They will believe you until you get into a serious accident (not just a fender bender) That's when they check everything. And if they think you've been fibbing, they may not pay for anything.
Q: Car Insurance for the newly retired. Do insurance companies take account of drivers of company cars ?
I have been driving for about 44 years and have had a company car for the last 20 or so. When I retire, will an insurance company take account of this with no-claims discount for a car of my own?
I do own a classic car on a special classic car policy but as it is very cheap with limited mileage (1500 miles) applying there is no ncd.
A: You can ask your ex employer for a letter saying that you have have driven their vehicles for x years without a claim, which should go towards a few extrs years NCB form your insurance.
Good luck and enjoy your retirement.
Q: If I make a claim using my company car insurance, does that affect my personal insurance reputation?
I recently got into a little fender bender using my company car. The other driver wasn't present, so I left a note. He called, and I followed through by filing a claim with the insurance company. I'm worried, though, that my personal insurance reputation/rating is going to be affected because of this claim with my company car. Any information you can provide would b helpful.
Got an expert response. Expert Response:
Thanks for the note. Many insurance companies have different guidlines and underwriting criteria. This claim should have been on your commercial carrier (through work) and not your personal auto insurance policy. Commercial claims are usually not carried over to your personal insurance policy. You will have to check with your current carrier to see what their policy is.
A: I don't think it would. the claim is NOT against your personal insurance so they don't even find out about it probably (how would they?). Now your company that insures the car they provide to you - their rates may go UP. That may not make your boss happy!
Q: What is the car insurance company that offers 40% off for teenagers?
What is the car insurance company that offers 40% off for teenagers if they dont use the car later than 11.00 at night , ive heard eople go on about it but cant find it! Or if you no any other ways can get cheaper car insurance , im 18 and they all seem to cost a bomb!
A: hi stacie!
that insurance scheme using a tracking device to verify whether you will use it between certain hours or base it on the number of miles and roads used, was piloted by Norwich Union and has not yet been released publically, to my knowledge!
I believe it is called PAY AS YOU DRIVE
Anyways, to save money on insurance:
Buy a 1.2Litre or below
Value of car under 2k
If you want to save money in the long run then pay heavy now and build up your no claims bonus so that by the time you can afford an expensive car insurance will be the least of your worries!
If you want to save money now, and expect to earn so much taht when you get a good car insurance will be affordable... then be the 2nd driver (not main) and possible use DIRECT LINE for this purpose!
Finally, try confused.com to search for the best quote for you!!!
Hope ive helped!
Q: How do I get the Car insurance company Responsible to pay my Medical Bills?
A guy backed into my car. It was parked to sell it. So no insurance policy on it. My BF and I were sitting in the car out of the rain writting out a new for sale sign.
My BF and I were injured. The medical people are refusing to bill the insurance company responsible. They wanted me to pay up front and get rembursed later or have some other insurance cover it. I used my work health insurance, but I will have to go after the Car insurance company to pay the bill. How do I do that?
A: get a lawyer
Q: Is a car insurance company entitled to the money from a judgment in court?
The insurance company paid me for the damages to my car and then I sued the person that did the damage. Is the insurance comany entitled to the money I was awarded in court, even though they did not participate in the court proceedings? In fact, I gave the insurance company information on the case and they did nothing to reclaim the money on their own.
A: Technically, if you recover from the other driver you must repay the insurance company up to the amount they paid. If you collect more it belongs to you.
However, if the insurance company had a chance to go after the other driver and didn't then you'd have a good argument for keeping the money.
Q: What company offers a good affordable rate for car insurance in the state of Maryland?
I'm just moving out of Virginia into Maryland and I am very overwhelmed by the high premiums that I will have to pay oppose to the lower premiums that I was paying for 2 cars in Virginia.
Does anyone know a good cheap car insurance company?
Thanks!
A: Maryland has VERY high rates, if you're looking for something to compare to the VA rates . . you're not going to FIND it. There are just more losses, more traffic, and more lawsuits, that's all there is to it.
Your best bet is to go to one or two independent agents, ask them to get you 4-5 quotes EACH, and compare that way. But they're ALL going to be in the same ball park.
Q: Would my car insurance company give me any problems if I get a 2nd car?
I am the only driver in my household but I plan to get my son a car and register it under my name and put it on my insurance. He has a license and lives at a different address. Would the insurance company get suspicious about anything?
A: Yes, they will want to know why you have 2 cars and only 1 driver listed. It would be in your best interest to add your son to your policy bc what would you do when he gets into an accident in your car and your insurance won't cover it?
Q: What do I do if a car insurance company refuses to contact me after one of their insures hit my car?
My car was backed into while it was parked at a gas station. It has bee a few months and the guys insurance company wont answer my messages or call me at all. I've never had to deal with anything like this and im not sure of my rights.
A: You should have contacted your own insurance company. They would have done all of the work, you "hired" them to do when you paid them premiums. Call them now !
Q: What can i do if a car insurance company refunds your money?
What can i do if a car insurance company tells you they will refund your money when you get in a accident, and your car is the one who needs to be fixed?And you were covered by them at the time?
A: You left out a lot of details and we don't know where to start.
Either you are covered by a policy, or you are not. If you are covered by a policy, it would be in writing, unless it was cancelled retroactively due to non-payment.
If your car is the one that got damaged, only "collission" insurance (i.e. comprehensive) will cover your own damages.
So include some details.
Q: Anyone know any car insurance company's that can offer cheap car insurance for a 18 year old?
I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me $3000 a year. Thats $250 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?
A: Cheap and 18 is an oxymoron. Add CA to the mix and it gets worse. Then factor in an almost new car...
If you live at home, get added to your parents insurance. If you don't, talk to an independent agent to see if you can do any better.
Q: What should I do about my car insurance company?
My car was stolen last year around New Years (December 2006). My Insurance company sent someone out to investigate the area where my car was and whent over what happen. The problem is it has been over 30 days and they have not done anything. I still pay for the car every month which I dont have and I always call for an update on what they are doing and what I should do about paying, but the person in charge of my claim ever answer.What should I do?
A: Looks like you are going to have to get a lawyer!
Q: What does your car insurance company do for you?
If you are not at fault in an accident, what will your insurance company do in order to get your car fixed? How much help will they give you, or are we supposed to settle everything, make the calls etc. with the other carriers insurance. I was hit from behind while I was stopped at a yield sign. The other drivers fault ( a no-brainer). Yet I am getting different information from my agent, the other drivers agent, and even the auto-repair shop !!! Any feedback will help greatly.
A: To answer the main question, the insurance company's responsibility is to indemnify you or another party in accordance with the coverages you selected and the terms and conditions of your insurance policy.
If you are rearended and your vehicle is driveable, you have the option of going through the other person's insurance for your damages. However, they must complete an investigation of the accident and will not pay for anything until they have done so. They may require you to meet an appraiser to view your vehicle. They may also wish to take a recorded interview. Cooperating with their insurance company will just make matters easier.
If you are not happy with the settlement, and provided that you have collision coverage with your carrier, you may choose to use your carrier to handle the damages minus your deductible, and they will pursue the other carrier through a process called subrogation. Your job is basically done.
Q: Anyone ever heard of a car insurance company called The Electric Company?
I called them and got a really great quote on car insurance.
Has anyone ever used this company and is it a good company to go with?
A: Another of the many braches of GE.
Our Electric Roots
If you’re wondering how we got our name, you’re not alone. How does a company that sells auto, homeowners, condo, renters, umbrella, and special lines insurance end up with “Electric” in its name?
Well, if you guessed it has something to do with one of the world’s largest and most respected companies, you’re correct. The Electric Insurance name comes from GE, as in General Electric, and that’s where our story begins.
Back in 1927, our former parent company, EMLICO, was formed to provide GE with Workers’ Compensation insurance in Massachusetts. By the 1950’s, it was doing such a great job that it began providing coverage nationally for GE. At the same time, EMLICO expanded its product offering to include general liability and commercial auto.
Q: How do i make i my insurance company to pay my car accident bills?
somebody hit my car and did some damage to my car,i had some repair and some rental car bills my insurance company wanted me to go to certain body shop which i did not like so i went to my known body shop well the repair bills they paid only cover some of total bills which i do not mind but i had two rental bills they only paid one one $141 other $ 777even though my coverage is for 30 days they did not pay $ 777 bill . my insurance sued the other car insurance company and arbitrator judge in my favor the other insurance repaid to my insurance but i am still out $ 777 now none of insurance co. answer my phones for the rental bill for $ 777 in state of new york what is my option to cover rental , small claims say i can not sue insurance co can complain to NY insurance commissioner or what can i do. Thanks
A: Well, you have a LIMIT OF COVERAGE on the rental. Usually it's $15 a day, or $25 a day. What's the limit? The policy doesn't pay for more than you bought. AND it only pays for actual repair days - not the waiting time until your body shop can "get around" to doing your car.
What does your AGENT say? They're the first line of help for you. YOUR AGENT. They should be the first person you call for help and explanations.
Regarding small claims court. Of COURSE you can file and sue. But likely you won't win, if the policy is only paying out the limits. So you're wasting your time & money, and risking a countersuit for the legal fees of them sending their lawyer to defend. THAT'S probably what they mean.
On the body shop issue . . . if they have shops that do the work for $35 an hour labor, and you choose to take your car to a shop that charges $70 per hour for labor, YOU have to pay the difference. Again, YOUR AGENT can explain this to you.
It's HIGHLY possible that you either 1. got a more expensive car than you had coverage for 2. kept the car longer than the actual repair days 3. added "extras" to the rental bill, such as their collision damage waiver, etc, none of which you mentioned, none of which EITHER insurance company is responsible for.
OF COURSE you can complain to the NY insurance commissioner. Then they'll ask your insurance company for an explanation of HOW they arrived at the amoutn they paid you (and your adjuster should have already explained this to you), and if it's legal and right, well, that will settle the complaint.
Go talk to your agent.
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