Auto Insurance

Depends how "underinsured" the person is... insurance will carry a certain amount of claim paying ability. If the medical cost is greater than the amount the person is insured for you have 2 options: 1. If you have auto insurance - contact your company and they'll pay your medical expenses through something called "No-Fault Coverage" 2. If you are under the care of your parents and they named you on their policy - the same "No-Fault Coverage" applies. These are the only good options. You can always sue the "under-insured motorist" - but that will take time and it will mean that they will have to come up with the difference personally (garnish their wages, sell assets, etc) Good luck. ANC, esq

An insurance policy gives you peace of mind. If you get sick, the insurance policy will help make sure you are able to pay your medical bills.

what is average amount of liability insurance for cars in new york

Insurance follows the vehicle, not the individual. If someone else "causes" you to crash... then that individual could be held responsible. It is likely, however, that that person's carrier would deny coverage if the personal "intentionally" tried (and succeeded) in making you crash.

I'm sure you can, but make sure the billing address is the same. If the cars are in the same zip code, it may not make any sense to split the policies since the rates would be the same and you may get a discount for a multi-car policy.

Only if this is specifically stated on your certificate, you are authorised by the vehicle owner, and generally is limited to third party cover only.

Typically Yes, this is because people who use their vehicle in the course of business present a higher risk than people who just drive to work and then drive home.

Well, Actually you don't.

The insurance company assesses the risk you present when you apply for insurance.

The company then determines the Premium and may or may not make you a offer of coverage.

You can then either accept the coverage offering or reject it.

No, you do not have to use the Adjuster your insurance company gives you for a damage estimate. You can be your own adjuster by getting 3rd party bids for repair or replacement, along with any other covered expenses, like towing and a rent car and medical bills, add it all up and present to your insurance company for payment. Instead of presenting them to your adjuster, ask to work directly with the manager of that office, or go straight to the insurance company. I work as a Public Adjuster, for the Insured, not the Insurance Company. Public Adjusters usually work on property claims and they help homeowners collect the maximum amount possible after a fire or flood.

Yes, In fact it is required by law that your vehicle be registered and insured in the state of your primary or permanent residence.

You are not required to transfer your registration nor your insurance to states where you reside on a temporary basis such as for school or Work.

will not open? are the doors jammed?

I believe the police will pull over a car that is a danger to someone else on the road or a danger to you. If the doors are stuck shut, you're probably in danger in some sense. If the car runs and you feel that you're not in danger, i don't believe you are breaking the law.

You must prove residency in the state that you are trying to register it in. In most cases they want a utility bill and a phone bill.

Japan

A repo guy is likely to say anything to get your car. If he's looking for it, you owe the money and he gets to take the car. Hiding it in the garage will keep him at bay for only a short time. Whether or not you have homeowner's insurance does not factor into the equation.

An associate underwriter is a person who is evaluating the risk that you are to the insurance company. From the time you put in an application for insurance, there is an approval process (often called the underwriting process) that is what an associate underwriter is in charge of. when the policy is issued, that means that the underwriting process was complete and you where approved for insurance. The underwriting process is very necessary and important to every insurance company. Risk is how insurance company's factor the cost they will charge you. If you are more or less of a risk than the risk class you were quoted, the company would likely adjust the premiums (payments) accordingly or possibly not issue the policy at all(if you are to much of a risk). For example lets say you are quoted a 50 dollar monthly premium for auto insurance. That cost is calculated from the risk class in which you were quoted, but lets say for example that you had D.U.I. that was not mentioned during the quoting process. A D.U.I. would probably put you in a more risky (costly) class than what you were quoted(someone with out a D.U.I.). It is the underwriters job to see that you are assigned to the correct insurable risk class so that the insurance company collects the correct premium for how much of a risk someone with your background and situation is. If the underwriter discovers you are to much of a risk for that company, they may not insure you at all. If you have life insurance and want to be sure of what you have and what all the facts are for your exact case, get a free analysis from a team of professionals, just so there is no surprises.

It is not the age of the car, but the value of the car that should determine whether or not you choose to have collision insurance on it. For example, if you own an 88 Pontiac Bonneville and it's worth $500 then it doesn't really make much sense to pay $500 per year to insure it. However if you get into an accident that is your fault and you don't have collision insurance, then no one is paying for the damages to your car. This is your choice.

First offense, $800.00 bail, plus ticket fine, plus jail time.

It's the sales person at larger auto shop chains. Mainly works the front counter and deals with the paper work/billing and explains repairs to customers. They may also order parts from local parts shops as part of their duties. They do not perform work on the actual vehicles.

You may have to add their name to the title as co-owner.

If you were both backing out at the same time, then it will be considered joint fault, sometimes called contributory negligence. That means both drivers failed to notice the other driver.

tecnically speaking, no, but if you want to think that than go ahead