Auto Insurance

Simply put, it is the at-fault party's responsibility to pay for the damage caused in an accident. If you live in a no-fault state, then you and your insurance company will pay for your own injuries, but the at-fault party is responsible for property damage.

You are responsible for the damage you cause to the car. This is what the liability coverage on your policy is for. If you are wondering about the "no-fault" law in MI, no-fault laws are in place to pay for injuries, not property damage. No-fault states simply mean that you and your insurance company are responsible for your own injuries regardless of who is at-fault in the accident.

No fault insurance refers to injuries, not property damage. Being in a no fault state simply means that your injuries are payed for by your own insurance company regardless of who is at fault in an accident. Fault is still assigned for the purpose of determining who is responsible for property damage. It is always the at-fault party's responsibility for pay for the damage they cause to you. If you are going to have the damage for your car payed for under your collision coverage then you will have to initially pay for your deductible, unless you have broad-form collision. If you do pay your deductible then your insurance company will sue the at-fault party to recover the money that they payed to repair your car, as well as your deductible for you. This process is called subrogation.

Look through your canceled checks, of if someone else paid for your insurance, ask him. In most states you are required to carry proof of insurance with you, but apparently you do not have your old insurance card, or you could simply look at it.

Contact your insurance agent.

It is your responsibility to make sure the vehicle you are driving is insured. Just because a dealer allows you to leave the lot without insurance does not make you any less liable for any damage caused in an accident. In every state, except NH and WI, you are required to meet certain financial responsibility laws, the easiest way to do this is to buy car insurance.

Yes. Its called the gap. Get Gap insurance.

Because too many people drive too fast and tail-gate. This prevents a continuous traffic flow. Just one person having to break has a knock-on effect on those following.

Having any modifications to a car can make finding insurance difficult. If your lift kit is higher than 4" then it is something that you'll want to be forth coming with to your insurance company. Try contacting an "Independent" insurance agent. This can be done by looking in the yellow pages under insurance, and calling a place called something like "Smith and Associates" or "Schwartz Group". Independent Agencies represent many companies are usually helpful with finding solutions to non-traditional insurance problems. Good Luck.

in the UK Around £4000

Possibly. Insurance companies determine your rate by looking at characteristics that predict future loss. Think about this in terms of receiving a traffic ticket. If you get a speeding ticket, it doesn't cost the insurance company anything, but you can expect your rate to increase. The logic here is that behavior A has a correlation to the future probability of causing the insurance company to pay a claim. Studies have shown that people involved in not at-fault accidents tend to cause future at-fault accidents at a rate higher than those drivers that have not been involved in any accidents.

You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.

As soon as reasonably possible, if its late or you're in a hurry when you notice it, you can go to the police station the next day. They'll usually just give you a piece of paper to fill out for the report. If you know who did it, you need to get their information right away though.

depends on the company and the details of the accident. most commonly the owner of the vehicles' insurance will pay the claim and then subrogate (recover money paid out) against the drivers insurance company.

for example, let's say you have state farm and i have allstate. you are borrowing my car and get into an at fault accident that cause $10,000 in damages. allstate will go ahead and pay the $10,000 to the other party. once that is done allstate will basically send a bill to state farm for the $10,000 they paid out.

Will be very hard to make a claim under those circumstances

no

Yes, it is allowed, but generally frowned upon. It's usually helpful if you have a child going to college, and he/she is going to be in another state.

Depends on the kind of vehicle, coverage, your location, insurance company, etc. Check with some local agents for quotes specific to your specific information.

If you are still listed on their policy, yes.

smile - acknowlege - make eye contact

Ans.

CA's Compulsory Financial Liabilities Law puts minimum liability at 15/30/5 which means $15000 for bodily injury for a person in an accident; $30000 for all people involved in one accident and $5000 for property damage in an accident. You should ideally purchase additional coverage to protect your assets against probable lawsuits incase of accident where you might be found at fault. The average combined auto insurance premium in CA is approximately $969. This includes liability, collision and comprehensive. The actuals would typically vary from person to person depending on the assessment factors and rates charged by their auto insurance company. However trends do indicate that those affiliated to social groups like the AARP and other Senior Citizen clubs usually get better deals.

California auto insurance cost depends on a number of factors and is specific to the person, the limits you select and the company quoting the California auto insurance quote. The best way is to go online to a place like Netquote and get multiple auto insurnace quotes. You should carry California auto insurance to cover uninsured and underinsured motorists. Estimates are that one in four cars in California are either uninsured or underinsured. If you finance your vehicle you need to carry California auto insurance gap coverage to pay off the loan in case of a wreck.

If you do not have the financial ability to replace or repair your vehicle, you need to carry collision and comprehensive California auto insurance.

Not quite sure but I believe a wash loan is when you take a loan from your cash value life policy and pay it back with interest, most of the interest goes back into your own account with the insurance company taking a very small percentage.

it means you're covered only for a straight crash where you hit someone. no fire or theft cover etc.

You must have your license for 6 months in order to drive more than one passenger in your vehicle.

Only if you were driving too fast for conditions.