Auto Insurance

As you failed to tke a insurance, you will have to pay from your pocket entirely.

In California it is normally necessary for you to currently have comprehensive and collision coverage in place at the time of the accident for your gap insurance to take effect.

Yes.

As long as you are old enough to legally drive you may get any coverage you wish. However not all insurance companies offer this coverage. One more thing... this coverage you are asking about is referred to as permissive use.

Uninsured motorist coverage provides coverage for bodily injury, and in some states property damage incurred by an uninsured driver or a driver with insufficient liability limits.

Check with your states DMV. That would be the only way to get an accurate answer.

"To own a car you need a license, thus, you need one to insure a car. They check your DMV driving record when you get insurance plus they count how many years driving as part of the method to determine insurance cost."

Is the first sentence accurate? I am disabled and don't drive, but have an attendant drive me. Can I legally own a car, and have an attendant included on the vehicle insurance?

In California You can! Again depending on what Insurance company you go with.

To drive another person's car you must be a named driver on the vehicle's insurance policy.

no

You may be arrested for being involved in a "Hit and Run" for which the legal consequences are extremely serious.

Techlichney,no because you are not covered.

Probably the second one, because the first could sue YOU for trying to make them pay for damages they didn't cause. Unless the second person is your friend who wouldn't talk about it and you never bring it up again or call the police on it.

If its a US postal Money order the answer is no, they do not have an expiration date.

The online availability and any fees that may be associated with obtaining a driver's abstract varies from state to state. It is best to contact your local DMV to ask how to obtain a copy in your state. Also, your insurance company may be able and willing to you with a copy.

No, the color of a car does not affect the cost of insurance.

This question is just a waste of time and space. Why don't you think of something that can actually be answered?

If your stepdaughter lives in your home and was not on the policy, some insurance companies will add the child and you will have to pay a higher rate. It sounds like your stepdaughter was not on the policy. If she doesn't live with you then you can argue she is borrowing the car and depending on the contract you have with the company, that may be acceptable. If she lives with you and drives the car and you didn't list her then they can deny the claim based on fraud. The reason they charge you more for children is because they crash more often due to a lack of experience driving among other reasons. If you wanted them to take that risk and pay the claim but you don't want to pay for them to take that risk, then they will probably not pay.

One of the things to understand is that "cheap" is usually not "better". You should not shortchange yourself in the protection that you get, because that is just what insurance is: protection.

Depending upon the coverage involved, the protection can be against injury or property claims of other parties that arise from your careless operation of a car (liability coverage). The protection can also involve protecting you from the carelessness of another driver that results in your injury (uninsured motorist coverage and personal injury protection coverage). The protection can also involve having a source of money to repair your damaged vehicle resulting from a collision or some other covered occurrence.

Here are some ways to lower the cost of auto insurance:

1. Maintain a good driving record. Credits are often given if you are accident-free or ticket-free for some number of years.

2. Shop several companies to determine their respective rates. A rate is a cost per unit of insurance, and therefore translates roughly into the premium).

3. If possible, have your car insurance with the same company that insured your home; discounts for multiple policies are often offered.

4. If possible, limit the number of miles driven per year. That way, you are less likely to be involved in a collision, and the insurer's risk is lower. That will translate into a reduced premium.

5. Increase your collision and comprehensive deductibles. A deductible is the amount that you have to pay out of pocket for repairs resulting from a covered occurrence before theinsurers responsibility to pay is triggered.

6. If you have an older car, you may want to consider dropping collision coverage altogether.

No, liability insurance is when there are injuries involved. If you are injured in an accident when someone else is driving your car, your liability insurance would cover your medical costs. Comprehensive and collision insurance on the car you were driving should pay for damages to the vehicle.

Yes it is. I have been insured with them for the past two years and have no complaints about their rates and customer service reps. They do make life slightly inconvenient by not having an on-line payment option. They also are sticklers for minute details which can be very annoying. However I personally have saved hundreds of dollars a year on my liability coverage with them and remain a loyal but sometimes annoyed customer.

Agreed. They are a legitimate insurance company. Their prices are cheap because they are very strict with their guidelines and who they insure. You can't just call them the way you call other insurance carriers and get a policy. Because of their cheap rates you will have to have proof ready of your mileage, ownership, and etc. It is especially tough to get cheap car insurance for young drivers at TSC Direct. Because you need to have at least 18 months of continuous insurance coverage to even be given a quote.

about $650, the same amount of your mum per hour

If the police came out and made a report of it then it will be on your driving record. It will be a not-at-fault accident but it will still be on your driving record.

If the police did not come out but your insurance knows about it then it will be on your CLUE report and be a not-at-fault accident.

GAP insurance is normally offered to you when you buy a car. If it was purchased at all, that is up to you. If you do not have it then you can find someone else that offers it. A few insurance carriers offer this as part of their plan. Progressive and Unitrin offer that with their auto insurance policies.

IT DEPENDS ON THE STATE HE/SHE LIVES IN. SOME STATES ARE NO-FAULT AND THEY MAKE IT DIFFICULT FOR LITAGATION. IF THE 18 YEAR OLD IS A DEPENDANT SUPPORTED BY THE PARENTS i.e. A COLLEGE STUDENT THEN THEY COULD BE IN TROUBLE.