Auto Insurance

The state of NY is not going to pay for damages to your car if you hit a deer. You need to make a police report and contact your car insurance agent.

7 days

In the past 10 years I have seen the rates range anywhere from 10-15%, depending upon the contract and volume of policies sold.

Insurance will extend from current auto insurance up to 14 days of purchasing the vehicle. After 14 days you must purchase insurance for the new vehicle

Auto insurance is a kind of insurance that helps you cover the costs resulting from a car accident or auto problem. Every state in the U.S. requires drivers to carry at least some auto insurance, although the exact amount varies by state.

There are two basic kinds of auto insurance: insurance that covers first party damage (which is damage to your car or injuries to people in your car) and insurance that covers third party damage (i.e., damage or injuries to another driver's car or passengers, or any property you damage in an accident which doesn't belong to you.) Most insurance policies contain both of these types of coverage.

I am looking for the phone number for colonial county mutual - the policy# 78g103794 Can you help?

When my son was old enough to drive solo and have his own car at age 18, the cost of auto insurance was about $290.00 per month. That figure may be lower or higher than other parts of the country.

Of course you are. This is no different than "Am I at fault for seeing a car coming and jumping in front of it from the sidewalk." Look before you leap.

If an excluded driver is driving any vehicles on said policy there is effectively no coverage. This means no liability/property damage/collision. The driver is At Fault in the accident regardless of circumstances. They are responsible for 100% of damages, medical and property even in a No-Fault state. They will also be required to file an FR 22 for a period of years. It will cost a minimum of thousands of dollars for the excluded driver and the insured.

Example: Excluded driver is involved in a collision with a teenage driver who runs a stop sign. The teenage driver needs to be hospitalized and cared for due to intensive medical problems. The parents of the driver sue the excluded driver and the owner of the vehicle for all medical costs. $300,000.

-Insurance Agent P&C

New York

This is often a means for the insurance company to cash in on both sides of the claim. If the uninsured driver caused the collision then they need to be charged by the police or the party who was hit needs to request charges pressed against the party at fault and this needs to go through court, in the mean while the insurance company needs to be told that they cant proceed until the trial is completed and a judgment handed out by the courts.

In the case of one State or Province having one insurance company this is often done to settle claims faster and double end the cost to two drivers or two insured parties. There is no such thing as a no fault motor vehicle incident, someone is always at fault and the police should be involved so that no one gets hosed by the insurance company. Dont settle call a lawyer

This depends on the insurance policy. Usually your car is covered, no matter who is driving it. However, if you are driving a car and the owner doesn't have insurance, then your insurance would pay if you got in an accident.

Since you were not driving legally and had no legal right to be where the accident took place, the insurance company may deny the claim.

You would likely win in court, but that doesn't get your car fixed now..

Probably not but it always seems like it anyways.

Normally the term wreck is used to describe a situation when two objects, at least one being a vehicle, try to occupy the same space at the same time, also known as an automobile accident. "Wreck" can be when two vehicles collide with each other or if one vehicle collides with another object such as a tree, ditch, house, telephone pole, etc.

centimetre cube

CC (cubic centimeter) is refered to the cylinder capacity of the engine. For example, if you say 500cc engine, then the sum total capacity of the cylinders will be 500 cubic centimeter

Well. You can show up at your court date, and plead "no contest", and then try to tell the judge why you shouldn't have the points added. No guarantees there, but it might work. Otherwise you're SOL.

An insurance carrier is the company that holds and supports the policy that you purchase from them. It is the company that issues and upholds the risk associated with an insurance policy. There are many insurance carriers with wide rages of polices and coverages.

The annual out of pocket maximum refers to the actual amount of money you will pay for your medical cost before an insurance plan pays 100% of your bill. For example, if you have an "80/20" plan with a deductible of $2000.00 and a maximum out of pocket of $5000.00, you would be responsible for paying the first $2000.00 of the hospital bill, then the insurance company would pay 80% of the bill and you would pay 20% of the bill. Now, you've already paid $2000.00 so you have $3000.00 of your max out of pocket to pay. Once your 20% of paying that bill reaches the balance of that $3000.00, you would have paid your maximum out of pocket total of $5000.00 and the plan would then pay the remainder of the bill 100%.

Selective insurance

applying the brake

If you are driving with a cast, particularly if temportary, your coverage or rates are not affected. While your insurance provider cannot exclude coverage if you are driving with a cast, state law require that you be able to drive safely and unimpeded. If the presence of a cast precludes this, you should not be driving. If you do, are involved in a collision, and it is found that you were careless, you may be found negligent in any civil claim that results. In turn, depending upon the payment that your insurer is required to make to the claimant, your rate (from which premium is derived) may increase.

Yes as long as your policy has uninsured motorist coverage on your policy.

The David Attenborough-type nature guy in the Geico ads is an actor by the interesting name of Leszek Burzyncki. Sure hope its not a stage name!