Auto Insurance

insurance is the coverage that is offered to you by the insurance company or organization in return for premiums paid. For auto insurance, auto insurance companies cover your vehicle or group of vehicles against breakdowns and accidents. The insurance policy offered to you depends on many factors

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Well they can check you're license when they want to, but I never heard of them checking car insurance.

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Texas is NOT a no-fault state for auto accidents. You can, however, purchase uninsured motorist coverage.

No, clearly not.

There are many different forms of government, including monarchies, aristocracies and meritocracies. The US government is a democracy, in which all citizens can vote for their leader.

You pay all of the expenses out of pocket. Medical, car, everything. Also get a lawyer because if you cannot afford to make the repairs you can get sued by either the other driver or there insurance to get the money back from you not having insurance.

The ticket probably wasn't for no insurance, it was for no proof of insurance.

Depending on your state, you should be able to just go to the county clerk (or just attend the court date on your ticket) show the judge proof of insurance.

Yes. My car was stolen not once, but twice within a one month period. I just moved into a new apartment and I accidentally left my keys hanging outside still in the lock. I awoke the next morning and immediately discovered that not only my keys were missing, but my car as well. They recovered it 3 days later totally wrecked. I luckily had full coverage, and they paid for all repairs & even a rental car until I got it back. They didn't change the locks or alarm on my car as I requested, and you guessed it, a day later my car was gone again. The insurance company gave me 2 weeks, then finally wrote the car off as a total loss, and paid me for the blue book value at the time. I only lost out $896 on the total value.

Insurance premium costs vary by a number of factors, location, age, driving record, model and make of car. You need to check locally

It depends on where you are when you get the ticket. The fines and associated punitive fees for driving without insurance are determined by each jurisdiction.

Generally you can read the back of your citation for contact and payment for your jurisdiction.

Mandatory penalties include automatic loss of license for one year, $300.00 fine and a period of community service to be determined by the Municipal Court. N.J.S.A. 39:6B-2 There are also court costs and insurance surcharges of $250.00 per year for three years. Failure to produce at the time of trial an insurance card or insurance policy covering the date of the offense creates a rebuttable presumption that the person was uninsured when charged with the offense.

If you don't have insurance then there will be no one to pay for an accident. If you are hit by someone who doesn't have insurance your own insurance policy may pay for damage to your vehicle as well as bodily injury within your policy or state limits

Depends on location, your age, driving experience, type of car, tickets/accidents on your report, zip code, and what you put as deductibles . Varies between states, cities, and regions.

Statistics show dark color cars (Black or Blue) are more likely to be involved in an accident than a light color car (White or Yellow)

I would start with the car and then move to the homeowners.

No. For example if a driver stops at green light and the driver to his rear hits him, it is the driver in front's fault.

Heavy rain.

I imagine that by "cheap" you mean "inexpensive". This is not a site on which the contributors advertise. Therefore, this response will not refer you to a particular insurer.

The cost of auto insurance depends upon several factors, including:

1. The amount of insurance that you purchase (the "policy limits");

2. Your driving record;

3. The make and model of the car;

4. Where the vehicle is primarily kept;

5. The age and gender of the primary driver and other drivers in the household;

6. The insurance company involved, as rates differ by company.

Do not be lured strictly by low rates. The financial stability of the company and the manner in which it handles claims should be your major concerns.

I will take a stab at this and say about another $40. bucks.

Yes

I heard from my USA auto insurance provider, Liberty Mutual, that the average "American" (I guess meaning USA citizen?) locks their keys in their car twice a year. I guess I'm about average! Thank goodness!!! ... for a moment, I worried that I was below average. ;-)

Once a car is totaled it is gone. Usually the insurance company takes the car for them to sell and get some extra money and if it is claimed as a totaled vehicle I would not recommend driving it on the street where you can hurt yourself or someone else.

$650 a month

It depends which state you live in. In most states you can.