keep in mind that "total loss" only means that it costs more to repair your car than it is worth on the market. that 89 beretta that you had since highschool is probably a total loss from a monatary standpoint. but can it be fixed? of course it can. my wife had an 85 Buick skylark (x-car) that she t…
Signing a Proof of Loss Statement
You needn't do either as long as you have given the appraiser full right to negotiate your claim on your behalf. Therefore, when the appraiser signs the appraisal aggreement, the appraisal become binding. The case will be closed at that point, with the …
The applicant for insurance is responsible for providing accurate
answers to material questions on the application. Materiality
relates to facts based upon which the insurer decides whether to
issue the policy, on what terms (such as if there any exclusions or
limitations), and at what premium.
Insurance Definition of Sports CarThey usually go by horsepower, stock and aftermarket modifications (i.e. turbo or superchargers), etc. They will usually know if you have a sports car or not. You can also have a car classified as rare or collectable that might be a sports car. If a car has two door…
Insurance Coverage. The answer below is incomplete. It is true that you should check with your carrier, but keep in mind, their answer will normally will result in getting more premium. With State Farm and Allstate you as a policyholder will always be covered, unless an excluded driver uses your veh…
Insurance transfer Yes, It's normal. You just call your Insurance Agent and notify them that you are obtaining another vehicle. Your agent will ask the make and model as well as the vehicle identification number to schedule the vehicle on your existing policy.
Most companies automatically c…
Yes, It can be in your parents name if you are still a minor, a dependent or are still a household resident So long as "YOU" are also a scheduled driver on the parents policy. Failure to schedule your self as a driver is a common form of Insurance Fraud. So whether the policy is in your name or you…
Lien Holders Insurance Indemnity Clause
Yes, Your finance contract (Loan) almost always requires that the
borrower provide a Full Coverage Auto Insurance Policy on the
vehicle being financed to protect the lien holders interest in the
property until the loan has been satisfied. It's a matter of your…
It depends on which state you are in. If you are in a no-fault state, the medical provider will typically bill the no-fault (PIP) insurance provider directly. Even in states without no-fault laws, if your injuries arose from a motor vehicle accident and you have personal injury protection or medical…
Cheapest Auto Insurance
The least expensive insurance is liability, but the cost depends on
your credit score, claims history, driving record, where you live,
the company you insure with, etc. Keep in mind, price is not
everything. The cheapest may be the most expensive if you really
If you have a new address in a new state, just contact your agent and give them the new address. You can probably get cheaper insurance in your new state, however, as insurance rates vary from state to state. I moved from Texas, where I was paying $86/month with State Farm to Florida, where I'm now…
This is a very odd request from the leasor. Unless you and your friends are incorporated or considered a business, no insurance carrier would sell you this type of policy. Also, any such coverage would probably duplicate the liability coverage you already carry on your vehic…
That depends a lot on if you are military or not. USAA and Progressive are two companies that have good outside the US policies.
If you are non military / civilian, I would contact the larger carriers and find out if they also service Canada.
You get an Auto Insurance Quote from an Insurance Company that
offers Auto Insurance. All you have to do is contact any insurance
company. They will be happy to give you a quote.
There are many different ways you can get quotes, there are
different kinds and varying levels of insurance available a…
No Fault Auto Insurance No Fault Insurance, in true No Fault form, is insurance that covers a stated risk regardless of who was at fault in the event of a covered loss. There is no "True No Fault Auto Insurance" policy however in the United States. In the U.S.A. Many states have implemented a hybri…
If you are a listed insured on your siblings policy then yes, you can certainly drive it. If you are not listed then your sibling needs to contact their insurance agent and ask if you are covered or not. none is allowed to drive a car illegaly without licence or a permit of a parent/guardian, if y…
Temporary Car Insurance Yes, In the United States Auto Insurance Coverage is commonly purchased with the following available terms. 1 month Policy 3 month Policy 6 Month Policy 12 months policy Most insurance companies sell policies that cover a six-month or one-year period. But, you might wa…
Child's Learners permit and Parental Responsibility: A Drivers Permit comes with all the responsibilities of anyone who operates a motor vehicle on public roads, including financial responsibility. When you purchased your auto policy, part of the language of the insuring contract requires that you n…
It is based on your location. It's difficult to rate a vehicle being driven by a person in another state. Of course, insurance companies do it all the time for parents of college students, but even if they live in another state during the school year, would still consider their parents' homes as pri…
Changing Auto Insurance CompaniesYes, Of Course you can. Just call the insurance company of your choice and ask for a quote. It is extremely common for people to shop new rates upon expiration of the old insurance policy. Many people overpay for their insurance simply due to not shopping around at r…
Borrowed Vehicles for the UK In the UK - the general rule is that the driver's own vehicle insurance will pay for any accidents other than when the driver is driving a car with permission and is named on the car owner's policy. If the driver has no insurance the driver has a personal liability to pa…
I always add my relatives to my car insurance when they visit me
and drive mar car, even it is for a 2 week visit. I did not want to
get in a legal dispute for that little cost it could be avoided.
Some companies cover household visitors automatically, It just
depends on the type of…
More input from FAQ Farmers:
Yes they can, technically the National Highway Traffic Safety
Administration (NHTSA) requires them to do so as part of the
agreement of being a legitimate licensed insurance carrier.
Remember, anyone withheld from the policy who drives and causes a
claim they will laugh…
It all has to do with what insurance is. Insurance is the transference of risk. You pay a premium to the insurance company, it turn they agree to indemnify you, or put you back to the financial status you were previously at prior to a claim within the limits you have selected. In simple terms you hi…
If the child is a lisenced driver living in your household, the insurance company assumes that he will drive the car. It is possible to have an exclusion added to the policy (more likely to be the company's decision after the minor has had 3 or 4 claims) that states the child will not drive it.…
Should this be any more complicated than to simply keep paying the premiums on the NJ car to the NJ insurance company? I don't think they would really care where you are as long as they are told where the car is garaged and who is the primary operator.
My daughter is presently going to college i…
More input from Wiki s contributors:In all 50 states, vehicle owners are required to carry some form of financial responsibility, generally, this requirement is filled by an automobile insurance policy, although in some states it may be satisfied by a bond or other form of security. When you or a me…
Talk to any insurance agent, but I would think any business
liability insurance would cover you. Actually, the owner's
insurance would probably cover any liability to someone you hit
with his car, and if he has full coverage, his damage too. However,
that company will probably tr…
Insurance Records of previous vehicle owner Insurance Records are protected under State and Federal Privacy laws. There is no legitimate legal reason for a person to want to obtain the "insurance records" of a previous owner. The attempt to do so could constitute an invasion of that persons privacy …
Reason why you name should be listed in insurance policies of your
it's pretty standard rules for every insurance policies to say if a
vehicle is provided for your regular use and you are not listed on
the policy then the insurance company can deny coverage of your
Insurance Coverage on a Parents policy? Yes, So long as you are
also listed by name as a covered driver on your parents Policy and
your parents have an insurable interest in your vehicle.
If you are a minor or a dependent still living at home then you
might be able to get insurance cheaper through…
Auto Insurance Required for Learners Permit? Yes, you can. A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions. You can obtain your own auto insurance or you can be covered under someone else's policy such as your parents or the vehicle …
Exchange Students and Auto Insurance in the USA The same way as any other person. You contact an Insurance Agent or company who will give you a quote and offer a policy. You have to contact an Insurer and ask. There are literally hundreds of Auto Insurers in the United States that will accept a for…
Yes, I do think that insurance companies will raise the cost of insurance, because you are a teenager(well that's what I'm guessing). But, it may go up even higher when you get your driver's license because you would be able to drive by yourself most of the time without a parent. …
If they live in the household, yes.
One may generally insure the property of another if you have an
insurable interest in it. This means that you have a financial
interest in the property that may be harmed if the property is
damaged or destroyed.
Sure, you can drive the car. It doesn't matter if you're registered or not. And because you are an insured driver, that makes it even better, even if you're not insured to drive that car.Having the same insurance isn't the issue. The issue is whether or not your state follows a "family doctrine purp…
Insurance Policy fees Yes, most insurance contracts have a state approved associated policy fee and in the USA several other government mandated fees and taxes imposed by law that the insuring company must collect for your state. State mandated fees include state run vehicle anti theft programs, va…
Well, dealerships and insurance companies are very strict now, and it would depend on what dealership or insurance agency you're planning on working with. On the insurance, it may be a problem because some agencies just deal with people who have a license in that state. And because you have an inter…
Legally? "No", that would constitute Material Misrepresentation of
the Risk (fraud). The company may not press criminal charges, but
they won't pay any claims if they find out.
More information about insurance fraud:
Insurance fraud doesn't always result in criminal liability,
but under some juri…
Cancelled insurance "They cancell you" What part of "Cancelled " don't you understand? Once your cancelled, you have no coverage. any grace period would have been before the cancel date, not after it. The insurance company is a BUSINESS, if you don't pay them on time, they CANCEL you. BE an adult a…
The ssan information is for credit check (credit report checking) purposes - insurance companies equate good credit to good driving.
Why not call an insurance agent? Or two or three? Most will be more than happy to discuss your situation with you before you actually buy a policy. And there is no need to reveal that you already have an agent if you are just getting a second opinion. Also, your local license branch may be able to …
Insurance and Learners permits
Yes, All 50 U.S. states require that a driver carry the appropriate
Financial Responsibility. There is No exception of law in any U.S.
state for a learners permit.
A Drivers or Learners "Permit" is permission to drive and therefore
a temporary license with certain r…
Title Transfer Just call your states Vehicle titles and registrations office. If the car is paid off and ownership has transferred to another person who has failed to transfer the title, all you have to do is fill out a registration transfer form with that office. After you report the transfer, the…
The cheapest way to do this is just to have personal use added onto your current business auto policy. It's much more cost effective than buying a separate personal policy when not on company business.
Saving money after an accident is not likely, especially if you are with a preferred company. Because you have had an accident you are statistically a higher risk to have another accident. Generally the surcharge ranges from 15%-35% over a 3 year period. If you try to switch companies you WILL NOT…
Uninsured Drivers Yes, If your name is on the title. Get insurance. If the driver or co-owner has an accident you can both be held jointly and separately liable for all damages. Both the vehicle Owners and Drivers can be sued equally and have assets attached by a court order for damages arising out…
I believe your concern is how to keep yourself from getting caught up in a lawsuit if your spouse, you are currently separated from, has an accident. Your best bet is to ask an attorney. Laws may differ from state to state as far as liability. It really has nothing to do with insurance per say becau…
That would be comprehensive coverage.
Anonymous is wrong! It would be collision. It doesn't matter if the vehicle was occupied or parked. If something on the ground collides with your auto it is a collision claim.
If your car is hit, then, yes, collision insurance cove…
Assigned Risk Pools
Assigned Risk auto insurance is usually the Insurer of last Resort
for the highest risk drivers who have been declined by at least
three Insurance Companies. The Application for insurance is
assigned by the state to an admitted carrier in that state. The
agent submits the auto a…
If the dealer doesn't require it, probably not, but you have to decide if you want to take the chance of continuing to make payments on a car that you can't use after an accident.
You don't need auto insurance if you don't have a vehicle. Even if you were driving your parents' or other family member's car, their insurance should cover you. Every lisenced driver in the household should be listed on their policy, even if they will never drive the vehicle.
You still nee…
Insurance without a Drivers License
Yes, You can buy and insure a car without a Drivers License. You
just can't drive it off the lot.
Most states now require Auto Dealers to verify your drivers license
and liability coverage before a customer drives off the lot with a
purchase. This is to protect…
AIG International Services offers short term auto insurance for tourists in the U.S. The car would have to be licensed and registered in their name in the U.S. You can call them at 877-708-6995 or visit their website at www.aig-is.com.Yes. Most large insurance firms won't do this, however, especiall…
Depends upon the state in which you reside, as well as the company. Check with your state's Department of Insurance.
If you mean, "Will the parents' insurance go up once a teenage driver gets his/her learner's permit and begins driving," the answer is "yes." The parents insurance rates wou…
This is not an endorsement: but Progressive has built their business on insuring high-risk drivers. That's not to say your particular driving record will qualify for coverage. If you are considered high-risk and you can't seem to get coverage through the internet or an 800 number, work with an agent…
PLPD stand for public Liability And Property Damage, it is simply liability insurance with regards to physical injury along with property damage, this specific pays off when you find yourself with car accident and also cover property damage one other parties accrues on account of the actual accident…
From a retired California Insurance Broker. The question is not clear as to the issue. When you have a US car insurance policy and you drive a car not owned by the policy holder you are automatically protected as to Liabality unless excluded. Most policy does not exclude such coverage. The phycial d…
The initials PLPD stand for Public Liability and Property Damage and which is basically the same as bodily injury and property damage (BI and PD) liability coverage. The necessary conception of public charge in terms of auto insurance is it would cover you in the occasion that your car causes damage…
This would depend on the state where the car is to be insured. The best thing to do is to contact the state auto insurance bureau or DMV to see what the restrictions are for a minor to own a car and to have his/her own insurance on it. More information: Only if the parent or guardian signs along wi…
Twelve states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, New Jersey, New York and Pennsylvania have verbal thresholds. The other seven states Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah use a monetary threshold. Three states have a "choice" no…
Of course. Do you think that NO ONE ever drives without insurance? Be covered and be protected against financial ruin. If you are a person who rarely carries passengers and you have good health insurance (which would cover any injuries you might incur in an accident anyway) why do you need to carry …
If you only have liability your car insurance isn't covering your boat trailer, even full car coverage probably has small fine print limiting coverage to your car. Trailer coverage through your boat insurance provider is more likely to cover it. Additional answer If your question is regarding the d…
Medical insurance should cover any injuries substained no matter how they were caused.
Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.
Compare Home Insurance
Just contact an Independent agent. They represent many different insurance markets and are familiar with Policies available from a larger number of companies than captured agents who only represent a single insurer. An independent agent can customize a Home Owners Policy for…
There are several customer-generated pet insurance comparison sites that you should consult They can give you a sense of which companies fellow pet parents are happy with, in terms of coverage and customer care. There are about 10-12 pet insurance companies across the country, but they are structur…
Tennessee requires "Proof of Financial Responsibility" which can be satisfied by liability insurance with minimums of 25/50/10. Otherwise, a bond or other assurance of ability to pay damages is required. Proof is not required at the time of vehicle registration, but penalties are incurr…
Responsibility for Hit and Run Damage
The driver and the owner of the vehicle being driven are both
jointly and separately responsible (liable) for the damage caused.
Since it was a hit and run, I assume no coverage on their part. If
you have Full coverage Insurance or at least uninsured motorists,…
Many companies raise rates after an accident, but different companies would have their own policies, so the amount can vary. As a 25 yr Ins. Agent with the largest auto insurer in the U.S., I believe I can speak with some authority. With my company if the accident is your fault AND we pay over $750…
In the UK - determining who is legally at fault depends to a degree on the type of accident that has occurred. For example - in a RTA the Road Traffic Act and Highway code are influential in deciding who has made a driving error. In an accident at work there are regulations for manual handling and k…
When I was hit by an uninsured motorist and it was their fault, my insurance company paid to fix my car. It's my understanding that they then sued the uninsured motorist for reimbursement. I was told that I could also file a small claims suit against the uninsured motorist for the…
I was recently in an accident & had no insurance. The person that rear-ended me was 100% at fault, which he admitted at the scene, and his insurance company paid for my car (which was totalled) and my rental. At the end of the day, he was at fault.Her company did not insure your vehicle and owes…
Liability of Uninsured Drivers in the USA.
The at fault driver is always the primary person liable for damages
from any accident they cause whether licensed, insured or not.
Licensed status does not negate liability.
In the U.S. both the at fault driver and the registered vehicle
owner can be held…
Depending on how old your niece is, she may be exclsively at fault. Did you have your own insurance of full coverage? If so, and she is less than 18 or 21 years they should pay the claim unless of course you concealed her from the insurance company. Under no circumstances will …
The value of a totalled vehicle is an assessment of what that vehicle's actual cash value was prior to the loss. States vary in how carrier's assess a total loss evaluation. For instance, in NY a carrier has the option of using the "book" value such as Kelly Blue Book or NADA, doing a "ma…
If you are over twenty five and this is the only ticket on your record in the last three years it will make little difference on your auto insurance rates. Insurance companies do not necessarily review your driving record every year. It is checked when you first apply and then it depends on the poli…
Traffic Tickets in another State The answer is that "It can." It just depends on whether the insurance company checks only your state of residence or not. Most insurance companies will only check your driving record in your state of licensure but they are perfectly capable of checking your driving r…
This will depend on whether the minor was driving a car. A minor in possession of alcohol offense, albeit illegal, in itself does not affect auto insurance rates. If the minor was driving a vehicle and had an open container of any alcoholic beverages, then this is a separate offense of violating the…
It generally takes between 1-2 tickets to change your insurance rate. Redlight camera ticket in California = 1 point, increased my insurance by 38% !!
It depends upon the state laws pertaining to the operation of motor vehicles. In some states the person in the passenger seat must be at least 21 and hold a valid driver's license. In other states the passenger can be the legal emancipated age which in many states is 18 and also have a valid license…
It depends on the state. Some states issue new drivers a limited license until 18 or 21 which limits the number and ages of passengers allowed, as well as the times of day during which the driver may drive. Check the driver's handbook in the state where you license is issued for the complete rules. …
From the AAA In the US, according to the AAA, the cost of operation is an average of 56 cents per mile. AAA includes the cost of depreciation of a new car, more than $3,500 per year. The actual cost can be much higher or lower depending on type of car, new or used, and miles driven. The more miles y…
Anyone who's a licensed driver, in Texas at least.
In Michigan, the new law is with anyone with a license
In Missouri, they have to have a valid license themselves (unless you're not 16 yet, and then it's restricted to your parent/guardian) - check with your particular …
You are certainly responsible for the actions of primary to the extent of the loan. No. In no way could a person be held legally responsible for an accident on grounds that they were the cosigner of the loan that procured the vehicle.
You are neither responsible, and the other side of the issu…
An SR-22 is an endorsement (certificate) of insurance that is issued by an insurer to the Department of Motor Vehicles (DMV) or to the Secretary
of State. An SR-22 is generally required after a driver has been cited
for driving without proper insurance. It can also be required for
Rhode Island is a "no fault state". Does that mean the assets are always divided 50% to the wife and 50% to the husband in a divorce? No. A no fault divorce in Rhode Island simply means that a fault grounds are not necessary in order to obtain a divorce in Rhode Island. In other words, all the parti…
Auto Insurance Coverage
Anyone, who is legally able to drive, that you give permission to drive your car would be covered under your current rate. However, if they live in the same home you must tell your insurance agent and that may affect your rate. To be completely sure, check with your …
I'm pretty sure that cash is all you really need. As for transfering the ownership....
You can buy a car even if you don't have a license. However, in most states you must be at least 18 years old in order to enter in to a contract.
Note that the learner's permit is generally not the pro…
Gap Insurance Refunds
The answer depends on the state where Gap was purchased. In many states the refund is calculated pro rata. This means if a cancel is requested in month 30 of a 60-month loan, 50% of the selling price would be refunded.
Perhaps the most popular refund calculation …
Ask them. If they won't tell you then there may be no way to find out. Why would you need to know this anyway? You could call the insurance agent and they may or may not disclose the information. They probably won't disclose information unless you are listed as a named insured on t…
Usually a lienholder (a bank, an individual party) requires that the vehicle you purchased from them to have automobile liability insurance. Usually, they want you to carry a $250 Collision and $250 Comprehensive deductibles. They must be added as an additional insured to the auto p…
If you have all of his insurance information and a police report and the stars are in alignment, yes. The insurance company is SUPPOSED to pay, even if the driver was doing something incredibly stupid, like driving while impaired. If the drunk is insured AND has some property of his own, the chances…
Cheapest Cars to Insure
The top ten cheapest cars to insure, regardless of who you are:
Buick Park Avenue
Mercury Grand Marquis
BY THE WAY DON…
No, it actually isn't higher... The only time a vehicles paint significantly effects the price of Auto Insurance is when you have a "Custom Paint" job and you have selected full coverage. This is because in the event of damage, a custom paint job is typically more expensive to repair than factory pa…
You can't legally drive without a driver's license. But assuming
you own a vehicle that you still want to cover for physical damage
you should be able to get coverage. If you have someone else that
you want to allow use of your vehicle then you could list them as a
driver on the policy. Don't drive …
If you live in a household with an automobile that you use at all or plan on using ever, you would need to get insurance. For example, if you live with your parents and your parents are insured, you would still need to get your own insurance in order to drive their cars. If you do not, you can stil…
closed circuit camera Closed Circuit Camera is the full form of cc camera.
They do it on your demand of coverage. Car rental companies dont add you insurance in car rental amount, Its just like you book flight ticket there is option of choosing insurance or not.