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Auto Insurance
Auto insurance (or vehicle insurance) refers to the insurance purchased to protect vehicles against loss or damage caused by accident. It is usually a compulsory requirement in most countries for all vehicle owners.
10,288 Questions
What insurance company has the 3 digit code 240?
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
What if your parked car was hit by a uninsured driver?
You will most likely have to pursue them through small claims court.
Can one get car insurance if you do not have a car?
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!!
Why have car insurance why not just insure drivers?
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.
Does gap insurance cover repossession in the state of NY?
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.
If both vehicles in an accident are insured by state farm who pays?
the person that is found responsible ( at fault ) for the accident
What is average cost for motorcycle insurance for a 34 year old?
As 25 year old, my insurance quote for motorcycle insurance was $74/year for an Highway-grade Vespa, and for and around $348/year for Yamaha Road Star. I have a perfect driving record if that means anything. Anyway, hope that helps to give you some idea of what yours should cost.
ABSOLUTELY.
In vehicles, safety features would be seat belts, air bags, blind spot designation areas, advanced cruise control systems, collision avoidance systems, and several other new safety devices.
What is the minimum amount of insurance coverage you can have?
This depends on the state you live in. In some states it is 15/30/5. In other states it is more. You should check the DMV's website for the state you live in or check with a local insurance agent.
the owner of the vehicle is responsible for the ticket. he/she/they are legally required to at least have the minimum liability coverage your state requires.
Do you need Full Coverage if you Have Gap Insurance?
Yes you do. You need to have Collision and Comp coverage for Gap insurance to appy. Let's say that your vehicle is totalled out in a car accident and your loan is for $15000. Now lets say the insurance company offers you $10000. You would still owe the bank $5000 for your car so in this case, the Gap insurance will cover the other $5000 and pay off the loan in full once you submit all the paperwork they need to process the claim.
If you get hit by a deer and only have liability coverage would your car be covered?
No. Liability coverage takes care of any costs or damage you may do to other people and property during the course of driving, including both bodily injury to others and property damage. Collision insurance covers damage to your car when your car hits or is hit by another object, while comprehensive insurance covers losses resulting from incidents other than collision - floods, damage caused by external forces, and so on.
Can get your car out of the pound with your friends traders insurance?
No, the insurance has to be on your car not someone elses.
How do you get cheaper car insurance?
By keeping a clean driving record, and always comparing prices, I personally have found Allstate to be the cheapest you can call them at 877-834-0398 Tell the truth up front to your agent and you will get a better rate. Many times, I have had clients state that they had no tickets or accidents but after writing the policy it came back showing they weren't honest and their rates go up. I am an Independent Agent and have contracts with many different companies. Often times I could have made a better company selection if they had been honest up front.
Can you get car insurance in Canada with an international license?
You can but its expensive expect to pay around $400+ per month Ive been in Ontario 4weeks and the only place i could find is www.cooperators.ca.
I just found some insurance for $140 a month with Alberta Motor Association (AMA). I had to become a member but it was worth it! Only catch is I have to transfer to an Alberta licence within 90 days. Maybe there's a similar assoc. in Ontario?
Can you have a car in double insurance coverage?
If you are covered by two different insurance companies at the same time.
If my car get hit by an insured driver can i claim a hire car of his insurance?
UK? Yes you can. If the third party admits liability or is found to be liable they are responsible for your costs. This can include the cost of you hiring a car whilst yours is off the road. You can claim against them for any cost you would not have incurred had the accident not happened, so this could include say contents of your vehicle, time off work due to your injuries, replacing clothing etc.
Back to answering your question specifically, they are only liable for the hire car costs to the point where they settle your claim in full. So if your £1000 car is a 'total loss' they are liable for your hire car costs whilst making their mind up whether to repair it or not. Once they have decided and paid your £1000 it is up to you to buy a new car. Thus they do not have to hire you a replacement indefinately.
Who is the black couple in the progressive commercial?
The husband is Joe Clair. He was a VJ (video jockey) on BET's (Black Entertainment Television) Rap City in the mid 1990's.
Would the insurance increase if the driver has an accident with learners permit?
It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.
What does insurance grade 12 mean when buying a car?
In insurance we use all different types and kinds of symbols to represent different factions or values in calculating the rates of a policy. The 12 you speak of sounds more like a cost symbol. The cost symbol has to do with the cost of the vehicle, cost of replacement parts, and the frequency of accidents for that particular vehicle.
Do you have to accept the adjusters estimate or can you get a second adjusters opinion?
You can always and should get another adjuster's estimate. Also, don't always take it for granted that the insurance company is referring you to a reputable shop. Remember that the shop they're referring you to works for them and not you. I have had success in getting an estimate from an independent shop, even it's not one that you go to, who are experts on your type of car, such as a dealership. Lots of dealerships have them, but they may not advertise it, so be sure to ask your service advisor. Also, if the adjuster gives you an estimate for more than one of the shops you've gone to, you can take your car to the less expensive shop and have the shop pay you the difference in cash. Make sure to check out shops thoroughly. There are thousands of fly by night places that will rip you off as soon as they figure out where your knowledge ends. The best places to check are the Better Business Bureau (for registration and complaints), your Secretary of State or Corporation Commission (for corporate status, length of time in business, etc.), and even the county recorder's office to see who technically owns the property the shop uses as their business address.
