Auto Insurance

for the respect of all agents and confidentiality in dealing with staff members this question should in all fairness not be posted on the internet for all to see.

Oh I disagree people need to know why would you want to hide this answer. The reason the company does not want prospective agents to know is they would have an extremely difficult time recruiting agents if they knew the truth about the current contract and how many lives it has ruined. You should contact. NASFA if you are considering being an agent with this company. NASFA is an organization of agents that work for this co. , but are not controlled as what they say by the co. The co. will tell you that they are just a group of angry agents that are against to co. The truth is just the opposite they are a group that wants to see the co. prosper. but will be open and honest about the current situation aka contract where new agents are barely able to make a living and many do not. You need to know what you are doing if you leave a good career for this opportunity because it is in most cases a job that you will never make over $50,000 many makes much less than that.

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Depends on many things mostly which contract they are on. Currently there are three contracts and it depends on when the agent was hired. Agents on the first two contracts make high incomes and most are in the top 1% of income earners. The current contract is highly in favor of the company and most new agents which is agents hired 1-1-2004 or later make less than $50,000 many go so far in debt they never recover and they file bankruptcy. The new contract is a terrible deal compared to industry standards. The agent gets about 1/2 the commission an Independent agent makes and the agent has to pay all expenses. The company is not be clear to new agents how much they will make. You start on a one year contract & at the end of that year you either sign your long term contract or are terminated. Many new agents are being terminated just before it is time to sign the long term contract without and advance warning that they are not so to speak making it. The company is leaving these new agents with debt. long term leases and expensive office furniture packages and then they start threatning the agent about the do not compete clause in their first year contract. So the new agent is forced to file bankruptcy.

This is not a good opportunity IMO and should be avoided. There are a lot better situations for someone that wants to offer Insurance and or financial products to the public. You do not own the business with this company. They have no retirement plan. Their pay is at an industry low and 2-3 times as many agents fail as they did 10 years ago on the previous contracts. Many make negative amounts the first 2-5 years and have to borrow every dime they need to live.

You handle it just like any other insurance claim. However, you (or your insurer) will talk to the rental company in charge of the vehicle rather than the person driving it. Still get all of the other drivers information though. Don't worry, most legit rental companies have fleet insurance that covers their cars. The driver of the rental car may be held liable for damages to the rental if they didn't purchase insurance on the rental themselves. Keep in mind, this IS NOT insurance on the car. When a driver purchases insurance on a rental, they are simply paying a fee to avoid any damages to the rental car should they be at fault in an accident or not.

yes

depends on the state you live in. most states give you 30 days to apply for a lisence if you have moved from one state to the next and plan on taking up permenant residence there. if you are in state for buisness or college you can keep the one you have but may need to get a state id card for that state. most banks and local government will give you a hard time with out of state id. hope this helps

you can see if a car is insured if they have a a sticker with a house on the window that has a bda house on it and their b-day card is changed.

Then the court and insurance companies will decide. Get all the information you can, take photos, anything and everything about the incident and reasons why you aren't at fault. If you can, also hire an attorney.

Pretty much the same thing except you pay monthly premiums on liability policies and bonds are usually a one-time deposit of money to your local DMV (Usually around $35,000 dollars) and they stow that money away and pay it out should you need to pay out damages for a crash.

If someone wit no insurance crashes into my car and they have no insurance

Your own insurance company would pay to have your vehicle fixed and pay for any physical claims you make. They would then attempt to recover the funds through the person that crashed into you.

Keep in mind, insurance companies always look for a way out of paying so in this case, be sure you call the police, document everything and try to have witnesses. That way, they can't say you were party at fault.

If you are insured for 'full coverage' or possibly 'uninsured motorist', yes. In a standard liability policy you would probably not be covered.

Rachel Grates is her name.

I might say it depends. trucks=NO sedans=maybe ------------------------------------------------------------------------------------------------------------ ...but i would not let an 8 yr old drive a car.

They hit you. There is a reason you never cross a double yellow line.

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.

at least 1 per minute

Lien holder is paid first, any balance goes to registered owner.

You can get an accident report at the police station.

Uninsured motorist coverage is a type of first-party auto insurance that compensates one if he/she is injured in a collision due to the negligence of someone else who does not have bodily injury liability coverage. Essentially, it pays the same sort of damages as the at-fault party's bodily injury liability coverage would have paid if it existed. It only pays for compensable bodily injuries--not property damage.

In many States, uninsured motorist coverage must be offered in the same amount as one's liability coverage. However, the insured usually has the right to select lower limits or reject it altogether.

NONE it is against their policies and state policies!! Try to make friends with someone who sells auto insurance that is your best bet.

Comparative or Contributory Negligence, is used to calculate the actual amount of damages to which each party in a dispute is to receive.

In Law, an Accident Claim, is regarded as such a Dispute.

The driver of the other vehicle. You were moving and they were stationary, hence they didn't yield right of way to you. Chance are, the parking space was private property, so a citation wouldn't be issued. Laws in your state may vary.