Auto Insurance

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.

There are 4 category's of domestic vehicle write off, here in the UK. Category D covers vehicles recovered after the claim was settled. It also covers cars with minor damage that were still not worth fixing.

You can expect a third off the value due to the uncertainly this brings. When you come to insure the car they rarely ask for a vehicle report though, unlike with higher category's.

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.

Usually if the car is a total loss, the insurance company will pay you and take the car. They then sell it for parts/salvage. If they let you keep the car, all you have to do is check on the current status of your policy and see if it is listed.

Why would you sue your own insurance?

It's not that simple. All depends on car, you and your license. An option for one person will not be same to the other. If you are new driver with fresh license and old car - by default you will face high premiums. The most average and approximate sum on 2010 I can name you - is $1500/year.

To find a good offer, you have to put a nice effort.

First of all, you need to understand, that there are many different factors and options that customizes you final insurance price. You and only you can manage them correctly and according to your own needs.

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 car is insured and covers other drivers, the damage will be covered to the limits of the policy. If not, they're on their own.

Yes, you can register a car if the title is in someone elses name. The title is a record of the owner - the registration is a record of the driver - and in many cases these may be different people, for example, a mom letting her son borrow a car for college, borrowing a friends car for an extended time, husband and wife, etc.

Different states require different things to do this, in my state, I borrowed a friends car for over a year and walked right in to the DMV and registered it no problem. Some states require a signed document by the title holder, or some states require the registrant and title holder to go to the DMV together. Some states will allow more than on registrant on a car registration, such as a husband and wife or two roommates sharing a car.

You don't. Let your friend register his own vehicle.

If your friend has auto insurance that covers other drivers, you're fine. If not, she will have to pay for the damage or sue you in civil court.

It really depends on the state that you live in.

Yes, provided you have comprehensive coverage or can claim it on your homeowners or renters' insurance; but, as this would be an act of vandalism, you may be required to provide a police report.

The rules and laws of insurance vary from state to state but generally speaking it is the automobile that is insured not the driver. So if your friend allows you to drive her insured car and you are involved in an accident you are covered under her policy(((IF her insurance policy does not stipulate restrictions banning unlicensed drivers from operating the vehicle))) in which case her insurance may not cover damages done to her vehicle or injuries to the unlicensed driver.

Yes, but it varies by the state and insurance companies can extend the amount of time to pay claim, such as if they need to investigate fraud.

$10, at least that's what I got.

Not at all. Many agencies, like insurance companies, have total access to your driving history.

An added charge. "Sur-" means "over and above."

GRANITE STATE INSURANCE COMPANY
(888) 244-6163
PO Box 85041
Phoenix, AZ 85072-2041

The codes are listed here: http://www.ins.state.ny.us/dmvindex.htm

I believe the only ways to do it are to help design the car, or be of someone of great imprtance in society that someone wants to use your name.

Or, Legally change your name to Koenigesgg.

NJ Manufactures ins codes is 426

Only for the unpaid portion of the first insurance policy. For example, if the first policy covers 80% following a $500 deductable, you can file for the remaining 20% and the deductable on your insurance policy.

If the driver of the vehicle who crashed into you has insurance, you would file a claim with his or her insurance company, not your own, and this should not jeopardize your no claims bonus. However, if the driver is uninsured, and you elect to seek redress from your own company, this may jeopardize the bonus. Check with your agent to be sure: policies vary from company to company and sometimes from policy to policy.