Auto Insurance

This really depends on the company involved. I have been in an accident where the adjuster came to my house a few days after the accident and cut me a check right there he printed off of a mobile printer. The main factor in time is who has to inspect the vehicle and make any determinations of fault or coverage. Once all the details are sorted out, getting a check is usually a 1 week process.

You can't insure a driver's license. The ticket would have been issued to whoever was driving at the time the police issued it. If you had no proof of insurance with you - and that is required in most states - then you can be ticket for not having it with you.

Personal Injury protection, Also referred to as PIP, is first party medical coverage on your Auto Insurance Policy for injury sustained in an auto accident.

There are two basic types of life insurance policies - Term and Permanent.

Term life insurance usually provides protection for a period of 1-30 years, provided that premiums are timely paid and the policy does not lapse. The standard terms (duration of coverage) are 10, 15, 20, or 30 years.

Term life insurance is "pure protection", in that there is no investment or cash build up within the policy. If you outlive the term of your policy, your coverage expires. Stated otherwise, it is the equivalent of "renting" rather than "buying" the protection (as in the case of whole life, where there is "equity" accumulation by way of cash value).

Permanent life insurance usually costs substantially more than term life insurance, depending on your age and health factors.

A mix of the two types of insurance is often a good idea to account for various life stages. Because term insurance has become relatively inexpensive, many recommend "loading up" on it when one has a young family and when the need for the benefits, in case of untimely death, is greatest.

Term insurance can be purchased with a variety of options, including the option to convert all or part of it to whole life at various point in time. While the premium will increase with the conversion, ordinarily it will be done without regard to then-current health condition. Another fairly common option is waiver of premium, which essentially provides that future premium payments will be waived when the insured becomes disabled (as "disabled" is defined in the policy). There will be an additional premium for these options.

You should get in trouble because you caused the accident.

You have to provide them with your drivers license information and they get your record from the Department of Motor Vehicles.

Generally, your coverage expires at midnight on the last day of your policy. Until then, you are covered. There may be some time limit during which you must report an accident, but if it happened while you were covered, the insurance company should take care if it.

A fine of up to $10,000 and a minimum of one year jail time

If you plan on continuing the coverage on your new car then the answer is yes. If you don't get a new car then STOP!

$15,000, $30,000, $5,000

Comprehensive and your rates will increase. After all, you are a danger to invisible poles everywhere.

Yes you can purchase general liability insurance on yourself for driving. This is done in some industries like used car lots and auto auctions.

This question cannot be answered since it really depends on many factors. I would however suggest trying to get the longest term contract you can before the accidents show up on your record. Most companies do not change rates mid-term.

The best thing to do is get on your parents insurance because their premiums will raise less than you would pay for on your own. If you want to get some quotes for yourself, go ahead. I have linked an easy site that leads you through the quote process with tips for keeping your premiums low.

If you do not go to traffic school to get the ticket removed from your record then yes it can affect your rates. However depending on the length of time you have had your insurance, the company, and your specific policy, then your insurance company can choose not to change your rates.

made by Ideal mfg. in Oskaloosa Iowa

in the mid to late 60"s

This may depend on which state you live in but in almost every state the answer is yes. The weather conditions will not play a role in determining fault in an accident. The reason for this is because if the weather is poor you should have been driving slower and more cautious.

If the title is in his name, then I believe he can. Whomever s name is on the title is the owner of that vehicle. If it has both names with an "and" / "or" then you both own it equally and he can not take it back.

Well, first lets make a complete sentence out of this: Who pays for the damages if someone that has no license or insurance hits your car?

The answer is different for medical expenses and physical damage to your car. Medical expenses can be paid by your insurance company if you have "uninsured/underinsured" coverage. This type of coverage is usually very inexpensive and I recommend everyone has it. Literally a few dollars per year. For property damage, you can sue the person, or your insurance can pay for it if you have full coverage (comprehensive/collision) insurance. Then it becomes their problem if they want to sue the person or not to get their money back.

liability insurance goes with the driver, so the drivers insurance would pay for it. If the driver does not have insurance, then the owner of the car's insurance would pay if the vehicle was knowingly lent.

I use the premium (gold) AAA card. It gets 100 miles of free towing a few times per year. If you need more than that, contact an auto transportation company, some of them usually hang out at the auction but they may charge you more if you try to hire them at the last moment.

The default answer is the car that is moving is at fault unless the moving car has the right of way. However parking lots are messy and there will be no police reports unless the damage is over a certain amount ($2500 I think). The best thing to do is handle it without insurance companies.

A Broad Form covers the named insured to drive any owned or non owned vehicles (subject to restrictions). For liability insurance, be it one or twenty cars - it's the same price.

If the collision was your fault, even if you had no insurance, you are still theoretically liable for the innocent party's damages. He/she may make a decision that even in the absent of insurance, they will make a claim against you, You can either resolve the claim voluntarily, or wait to see if they will file a lawsuit against you.

If a lawsuit is filed, you must defend it, yourself or with the help of a lawyer that you hire. If you fail to, a judgment will be entered by default. Depending upon the state in which you live and where the judgment is entered, the judgment is enforceable for many years and becomes a lien on property that you own or acquire during the life of the judgment. Under certain circumstances, bank accounts can be attached, salary or wages garnished, or other forcible collection actions taken.

If you were issued a ticket and convicted, and if damages exceed a stated amount, the fact that you did not have insurance could lead to a license and registration suspension under your state's Financial Responsibility Law. If that happens, both are suspended for a period of time (often one or more years), or until such time as you make payment arrangements with the other party. You are generally also required by the state to maintain high-risk auto liability insurance for a number of years. A similar process is triggered if a judgment is entered against you (that is, a license suspension).

Another aspect of a collision without insurance is that you will be financially responsible for the repair of your own vehicle. If you had had collision coverage, the insurer would have borne that expense subject to the policy deductible.

Driver who is not included as an operator in vehicle policy but has a auto policy of his own is termed as "Deferred operator".