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It really depends on several factors:
- Age and model of your car
- Its value
- What you owe on it
- Where you live (each state has different coverage requirements).
If your car is older, you might not need collision, especially if your deductible is higher than the value of your car. If you still owe on the car, definitely get collision and comprehensive coverage.
Choose a deductible you can afford. Don't skimp and try to save money by choosing a higher deductible if you won't be able to afford to pay it should you be in an accident.
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∙ 13y ago
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Does your insurance cover you if you crash a car while test driving?
You should have coverages available but your policy is considered secondary to the insurance that is on the vehicle.
Can you drive your friends car if you don't have any insurance?
Automobile Insurance follows the vehicle. As long as there is permission to drive by the owner (insured) the coverages that are on the vehicle will apply. I agree with the first answer.
Will you get charged for switching your insurance over from your previous car to your new car?
Most insurance companies do not charge you to switch vehicles, but the rates on the new vehicle will be different based on the year/make/model of the vehicle and what coverages you add to the vehicle.
What is the proper spelling of coverages?
That is the correct spelling of the plural noun "coverages" (usually insurance).
If you have fully comprehensive cover is the named driver on your insurance also on fully comprehensive cover?
Yes the named driver would have the same coverages. You can not split the coverage between drivers, the coverages are the same for each vehicle.
Will insurance cover on a company vehicle?
If your question concerns liability insurance, ordinarily, liability insurance on a company vehicle will apply to you if you are endorsed as an authorized driver of the car and if you are driving it on a company mission.
If a wheelchair van owner has no insurance on their vehicle what insurance coverages are covered by the fully insured drivers own insurance if they are a caregiver of the owner?
Insurance follows the vehicle. If the owner of the wheelchair van has no insurance on it, and the person who drives it, has insurance on their own vehicle.... then the wheelchair van would still be considered an uninsured vehicle. Again, insurance always follows the vehicle. The driver who is not the owner cannot use his/her insurance to cover the wheelchair van because they have no 'ownership' or 'insurable interest' in the van.
Is car insurance required in VA?
If you do not carry the minimunm state insurance coverages, then you must pay the uninsured motor vehicle fee of $500. This is not insurance but it allows you to operate your vehicle on Virginia's highways at your own risk. If you get into an accident, you will have to pay all the fees associated with the accident.
Will insurance total a 2003 Toyota Tacoma if the frame is bent but there is no cosmetic damage?
How can you bend the frame without cosmetic damage? Did you run over something? Depending on your insurance coverages, if a vehicle has a bent frame and is no longer safe to drive, then an insurance compamy would usually total out a vehicle. Otherwise, they can pay to repair the vehicle.
What types of coverage does Oasis Insurance offer?
Oasis Insurance offers a variety of insurance coverages. These include: Renter, Boat, Mexico Travel, Health, Dental, Vision, Commercial, Auto, and Motorcycle Insurance Coverages.
Will insurance cover the cost of a claim if your vehicle is unregistered and im at fault?
The registration of the vehicle has really nothing to do with the insurance. If you have valid insurance at the time of the accident, then you will have coverage for the type of coverages on your policy. If you only had liability, then the other parties vehicle will be covered as well as injuries of the other party. Your car will not be fixed under liability, you have to have physical damage coverage for your vehicle to be repaired.
What is auto insurance?
This is insurance which protects the insured against losses involving the use of automobiles. Various coverages may be bought depending on the desires of the insured. Such coverages include the liability coverages of bodily injury, property damage, and medical payments, and the physical damage coverages of collision and comprehensive.Auto insurance requirements vary. If you're not sure what's required in your home state or country, or you're moving, educate yourself on your state's or country's minimum auto insurance requirements and plan to exceed them. (If you're involved in a serious accident, carrying the minimum requirements won't cover your losses!)Auto insurance helps you to protect you and your family against financial loss in the event of an accident or other cause of loss.It covers the injuries and damages caused by an accident and for which you are legally responsible.Answer-Auto insurance is a protection that protects the owner of vehicle against financial loss if vehicle have accident. It is a contract between vehicle owner and auto insurance company. The vehicle owner pays the fix amount of premium to the auto insurance company and in exchange the insurance company pays to the vehicle owner against loss as mentioned in the insurance policy. There may be various types of auto insurance coverage such as property damage coverage, vehicle body injury coverage, collision coverage, personal injury coverage and more.
