Auto Insurance

Hi, Insurancecompanies each have their own formulas for rating. They typically use age, credit score, car type, zip code of garaging and other variables to determine how to rate a policy. The underwriting factors along with the insurance limits you are requesting will create the premium or amount you will pay. So.. to make a long story short not enough information. I would recommend however, shopping through an independent agent they represent more then one company and can provide choices and council on coverages.

If you are the driver of the vehicle you could face civil litigation by any other parties involved in the accident, including passengers in your vehicle. State laws vary but generally there may be additional criminal penalties including fines and jail time.

Yes they should. Did you carry uninsured motorist? The only issue is if your car had a driver that did not have a license or was living in your home and you did not tell them about this person.

To insure your car which policy we recured that is motor insurance.

You might want to check the site below to answer your question. They offer different kinds of car insurance policies at a very affordable premiums. They also give you free quotes and determine which insurance company meet your requirements.

http://www.goodinsurancepolicy.com

Yes. In many cases your insurance company may waive your deductible if the third party's insurance company accepts liability.

Yes, you can insure 2 cars but it depends on your insurance company contract. Hope it helps:)

Yes they can. But they have to list you as a driver in order for you to be isured.

Not always. It depends on the insurance company's policy, for example if it is a first ticket, or if you have a history of getting tickets. Usually, insurance will increase, particularly with a rather dangerous stunt such as running a stop sign. One way to prevent this increase is to pay a reasonable sum to attend "traffic school" (can be done online, also), pass an exam at the end of the school, then get the ticket taken off your insurance records by presenting a certificate to the Department of Motor Vehicles in the state you are in. This effectively removes the ticket from your driving record.

This question is very tough to answer well. I know in PA medical from auto insurance is the first source used to cover a medical expense. If you have a decent health insurance plan this can provide coverage over top of the medical from your auto. However,as the deductibles on health care are increasing and many policies have lifetime limits, I would suggest getting a fairly high limit if you are able to afford it, in this category. Anyone who needs assistance with insurance in PA is welcome to contact me, I work for an independent agency in York PA www.ekmcconkey.com

In ontario, The person that hits you's insurance has Accident benifits, and they will pay for your medical bills if they were at fault. But if you were drviing without insurance.. consider yourself screwed.

Pretty much the same in most states in the U.S. If they were at fault their insurance may pay for your damages but you can still be fined for driving without coverage, license suspended or revoked etc.

If you hit the deer, it would fall under your COMPREHENSIVE auto coverage (if you have it). You need deer hair on the car, at the point of impact, for it to be covered under comp. Roughly 25% of all US drivers lack this coverage and the understanding of ALL of the things that it can cover. If you avoid the deer, and crash, then it would fall under your COLLISION auto coverage (if you have it), and would count as an at fault accident, and your rate/premium could increase. However, do not listen to those who tell you Not to avoid hitting that deer. Since deer have long legs, they generally "fly" over the hood through the windshield. This can result in serious bodily injury. Sometimes the driver is even paralyzed for life.

Categorically no. The insurance relates solely to driving on company business.

In New York State, the 240 is the code for:
NEW YORK CENTRAL MUTUAL FIRE INS. CO.
WILLIAM W. COUPERTHWAIT, VP
607-965-8321
1899 CENTRAL PLAZA EAST
EDMESTON, NY 13335-1899

This information was found at:
www.ins.state.ny.us/dmvcode/dmvc2211.htm

You will most likely have to pursue them through small claims court.

I guess, if you want to pay money for no real reason...you'd be better off throwing the money out of the window. They'd be more than happy to obliege.

Ok, i don't want to edit the answer above, would like to add to it though. :)

You can in fact get auto insurance without having a vehicle, the insurance actually covers "you" in case there is an accident, also legally helps out when pulled over by our "friendly" critters on duty, i do believe that it covers the vehicle that you are driving at the time also. So, my advise is to get insurance just to avoid being bent over by the judicial system, cuz we know how much they like to see our behinds!!

You start by calling your insurance agent, who can inform you on how to proceed from there.

Yes, you must obtain a special licence for the operation of any two wheeled vehicle in Florida I don't believe that it is necessary to obtain any license for the operation of a pedaled bicycle. Even small children ride 2 & 3 wheeled pedaled vehicles without a license.

more than a thousand and less than two thousand a year with good grades and a clean record.

The 2-20 General Lines Agent License is the highest level of licensing for a FL Insurance Agent. The license enables the agent to sell all lines of insurance, except Life Insurance, which requires a separate license.

The license may be achieved by:

1. Taking a 200 hour pre-licensing course and passing the state licensing exam, or;

2. Obtaining the 4-40 Customer Service Representative license and working full-time for one year as a 4-40 CSR. After satisfying the one-year work experience, the candidate may then take the UCF/Florida Insurance University 4-40 to 2-20 Conversion Course, which is 40 hours, rather than 200 hours. Having passed the conversion course, the student is then eligible to take the state licensing exam.

NOTE: The University has a 4-40 licensing course that excuses the student from taking the state exam for the 4-40 license. It is called the Registered Customer Service Representative Designation.

That could work if the only type of insurance were liability insurance (which pays for damage to others). However, many people have comprehensive insurance (which pays for THEIR damage), and some cars are more expensive to repair than others. An insurance company faces a much greater potential loss in insuring a Ferrari Testarossa than a Geo Metro, and it only makes sense that they would charge more money for doing so.

Yes

No, GAP Insurance covers the difference between the market value of the vehicle the insurance company pays you after a total loss and what you owe to the financial institution.

California's Compulsory Financial Responsibility Law requires every driver and owner of a motor vehicle to be financially responsible for their actions. The statutory minimum limits of liability auto insurance in California are 15/30/5 which breaks down as follows: Bodily Injury for $15,000 for death or injury of any one person, any one accident and $30,000 for all persons in any one accident. Property Damage of $5,000 for any one accident. When your car is in an accident for which you are found legally liable, bodily injury (BI) liability covers your liability to others for injuries to them. Property damage (PD) liability covers your liability for damage to someone else's property. All California drivers and owners must have at least the statutory limits of minimum liability insurance or an approved alternative way to pay for injury or property damage they may cause. Penalties are very severe for non-compliance with this section of the vehicle code. for more knowledge, you can contact to a good insurance company like Raisinsurance.