Auto Insurance

A lesbian trapped in a man's body. He is actually still alive, and uses the screen name Fun on AOL instant messenger

When you put on your car on the road, you will need an auto insurance. You might be asked by the traffic sergeant on duty to show your insurance policy and might be fined in case you fail to produce the same or the produced one has expired/lapsed.

You are required to have a minimum of 25/50/25 auto liability coverage.

According to CarInsurance.com (link below), the average male under 25 will pay approximately $108 per month. However, this can vary greatly depending on exact age, zip code, year/make/model of the vehicle, driving record, etc. This is just an average.

This will depend on the location you live in but generally the answer is yes. Most place legally require liability insurance in order to register a vehicle of drive on public roads. Secondly, if you finance a vehicle the contract will require that you obtain and keep physical damage insurance to protect the interest of the bank or finance company even if you don't care about your own loss if the vehicle is damaged.

GEICO was created in 1936.

They will have a report of any and all claims you ever made as well as anything that is on your driving record. They will also have a record of anyone that has ever been listed on an auto policy or received mail at your address. The best solution is to tell them the truth up front then the agent can place you with the best company for your situation.

Absolutely. When you purchase and finance a vehicle you sign a legally binding contract. Perhaps you should read what you sign. The contract states that you agree to carry insurance that includes comprehensive and collision with a maximum deductible of usually $500. If you let your insurance cancel then you have broken the contract and therefore the finance company can reposses the vehicle.

Depends on the company. Some are open on weekends.

I'm sure you can if you need to obtain insurance and the only time you can come into the office is a weekend that it would be possible. The hours at my Agency include a time to provide customer support for people like you so we are open on Saturday morning and Wednesday Morning from 8:30 am to 12:30 pm for just this occasion. Normally in many small towns the offices are closed on Wednesday. Our Bank, Post Office, and about everything else is closed on Wednesday or at least on Wednesday afternoon. For this reason, we discussed this with my staff and exchanged Wed for Saturday.

Sure, but would you want to? You will never have an agent to assist you with anything to do with your insurance. You will not have someone to explain any part of your coverage or help you with claims other than customer service phone answer personnel who may not even be in your country never mind area. You certainly will not have someone you can see face to face for help. Again, why would you want to?

Only if you intend to drive it. Whenever you drive a vehicle you take on an almost undetermined level of risk. The reason you have insurance is to handle this risk when you are not financially able to handle it yourself. Whether or not your State or Territory requires you to legally have insurance in order to drive is up to your local regulations or laws. Even if you are not legally required to have insurance, unless you can comfortably take the cash out of your pocket to pay for the damage you do to the other persons vehicle, house, medical expenses, or loss of life then you need insurance. You never know how much damage you could cause in an accident in terms of financial loss to the other party or how many accidents you could have in a year. Even the wealthiest people are smart enough to purchase insurance and pass on this risk to an insurance company because in order to be wealthy the person is normally intelligent enough to know they need insurance.

In most cases it would not go up. However, some insurance companies give a discount for having no claims and in that case any claim at all would make you loose the discount.

Physical Damage coverage on an auto policy covers all parts of the car that are damaged in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.

It seems that the insurance company thinks that you and he still have the same address. I doubt an insurance company would require someone who does not reside at your address to be listed as an insured on your policy simply because he was your boyfriend. I don't know how to access DMV records, but private investigators do. Hopefully the address on his driving record is no longer the same as yours.

All coverages offered in an auto insurance policy have a place and needs for some people. This is certainly not to say that everyone needs every coverage. What you need is a good agent that can explain the available insurance coverages and can help you decide which ones you need an which ones you can do without. You can sit down and evaluate the costs involved and the benefit to you if something happened so that you can decide on an educated basis what is best for you and your family.

This would depend on the rules for the insurance company involved. Some companies may allow you time to obtain a new drivers license if you moved into a state from another recently. The time allowed would also depend on the company and their regulations.

Safeco is one of the top insurance carriers in the United States. They have great customer service and are very financially sound.

You would purchase commercial auto insurance from a company that writes that type of insurance. Most companies that write commercial insurance also provide commercial auto insurance though not all of them do. They also usually offer this type of insurance in a commercial package policy and offer a discount to purchase a package.

No. You would need to put your residence address on both the insurance contract as your garaging address and New York will require the same address be where the vehicle is registered. In either case if you lie you will certainly jeopardize your insurance coverage and probably be in trouble with the authorities as well.

Many factors including claims filed against a policy, the number of claims reported from the zip code you live in, the amount of money paid on a claim, etc.

You will have to pay fines if your car gets impounded for no insurance, registration, and inspection in PA. You will have to registration before the car is released.

$100. Just kidding. There is far too much information needed to calculate auto insurance rates than is possible to do so in a forum such as this. Some companies use as many as 88+ factors to in their calculation of rates.