Auto Insurance

In your insurance policy there is a section called terms that will explain all the terms like what you are talking about.

Your insurance company did not just decide not to cover you if you have an accident in a rental vehicle. You policy does not provide you with this type of coverage due to the circumstances. You could have prevented this situation by calling your insurance agent and asking this question before you rented the vehicle. If you were just renting a vehicle you could have paid the extra few dollars to the rental car company for physical damage deductible waiver coverage. There are several things you should have done before renting a vehicle that would have prevented this situation.

It depends on the state regulations where you reside. I have never heard of this before but I would say that the State Insurance Commissioners Office in your State can give you the correct answer. In Georgia this is not allowed on an auto insurance policy.

Yes you can if you do not have a drivers license. You will need to list as drivers anyone who is going to drive you about.

Safety first. It means before working with any electronic devices, make sure you turn off the supply even if electronic power supply is minimal. I assume you are doing an electronic project that is not working yet, so watch out that your jumper lead will not short other connections otherwise you will have a bad project. Do not wound it, just a straight jumper wire is okay otherwise it will act as a coil.

Property and Casualty Insurance Company of Hartford - It's a policy from The Hartford

There are insurance companies that will write insurance for people who have never had a license. You will need to go see and independent agent who represents many different companies so he or she can find what you need. The key is that a company will write you insurance for a vehicle that you own if you do not have a license but you will be excluded as a driver and you need to list any drivers that may drive you around in your car. This means that you cannot drive the car for any reason and not coverage will be provided if you do drive.

These days, in most states, you need at least a birth certificate and social security card to get a driver's license. In some states, you might also need proof of insurance if you have a car registered in your name as well.

Prior to getting a license for the first time, you have to take a written exam, and then a driving test (on the road). If you pass, then you can continue with the rest of the steps to get your license.

You have to go to the Department of Motor Vehicles or Department of Public Safety and take all forms of ID. Sometimes, it's best to call ahead and schedule an appointment. When you get there, wait in line, give them your ID, take a quick eye exam, give thumbprints, pay the fee, stand against a backdrop and get your picture taken, and then they give you a temporary license until you receive your real license (with photo) in the mail.

I would guess all fifty, unless you can prove that you have the financial means to cover all the costs of liability.

Absolutely. Even if you pay cash for the vehicle you will need to prove that you have liability insurance in order to legally drive off the lot. If you are financing the vehicle you will have to show that you have liability and physical damage coverage before driving off the lot. The dealer will contact your insurance agent to verify that the coverage is in force and will add the vehicle to your policy with the coverage that they require and that you want.

No, the car is your property not theirs. The insurance companies have made special deals with body shops that give the insurance companies deep discounts. If you ask the shop to show you the agreement between them and the insurance, they wont. And for good reason, it would make you, "the CONSUMER" very angry! They usually agree to a lower labor rate and the use of cheap aftermarket parts, or used parts. The aftermarket parts have NOT been crash tested, but hey it's not their family in that car! the only problem I have with used parts is the insurance prefers used suspension, and they do not microflux the parts or do any kind of test for cracks, or other malfunctions. The reason the part is used is because the vehicle it came off of has more than likely been totaled. Just remember you are the property owner and you have a contract with the insurance company for reimbursment of damages or replacement, which ever is less.

There really is no such thing as full coverage and insurance companies certainly do not use this term. It is an old term that was used to mean you had physical damage coverage in addition to liability on your insurance. Normally it meant that you had comprehensive and collision coverage. Now there are many different coverages that you can add to your policy but still if you buy everything that is available it still doesn't mean that every instance that comes up you are covered.

Liability coverage extends from the vehicle that is pulling a trailer, boat, or camper. This means if you are backing up in a parking area and the camper hits another vehicle the liability coverage will cover the damage to the other vehicle. Even if you are going down the road and the trailer comes loose the liability is still attached to the trailer and damage it does to another persons property is covered by liability from the vehicle that it was attached to. The kicker is that damage to the trailer itself is not covered by the vehicle pulling it. You would have to have a policy on the trailer itself for physical damage coverage to cover damage to the trailer.

Children need to be added to your insurance when they are 15 years old even if they do not have a license or have a learner's permit. Most companies will not charge for the child until they receive their regular drivers license. They need to remain on your policy as long as they live in your household. There is not real maximum age limit. If they are off in college they are still a member of your household. If they are over 150 miles away or more and don't have a vehicle the company will discount the amount charged for them because they will only drive when home.

This will vary based on the insurance company that you are dealing with. Different companies offer different discounts. A non-owner policy is a policy that is usually required by the state in order for a person to get their drivers license reinstated. For this reason discounts are very limited. The policy usually would not be eligible for a multi-car discount. The person usually did not have prior coverage which is why they are in trouble so a transfer discount is usually not available. You could get a renewal discount if you are required to keep it for more that six months. This is usually it.

There are many different auto care companies that offer good rates on breakdown recovery services. One of the top-rated road side assistance companies is Allstate.

Your car insurance protects you from the financial liability of damage you cause to another person's car, or an injury you cause to other people with your car. It can also protect you from damage to your own car, including damage from collisions, theft, vandalism, and bad weather.

Auto Insure Direct offers car/auto insurance, commercial property insurance, motorcycle/ATV/Jet Ski insurance, homeowners insurance, general liability insurance, boat/trailer insurance, commercial vehicle insurance, recreational vehicles insurance and competitve rates. A consumer can receive insurance quotes, report a claim, check the companies locations, and contact them.

Insurance can be canceled in a couple of ways. The easiest is to refrain from paying the next premium whereupon the policy will cancel for lack of payment of premium. However, it is important, before you do this, to have suitable new insurance in place. You need this for self-protection, and also because all states require compliance with Financial Responsibility Laws. These laws require the maintenance of auto insurance, and inn the event of noncompliance, your license and tags can be suspended.

Additionally, if the car is financed, the bank or finance company will require proof of insurance to protect its interest in the collateral. Failing receipt of the proof, it will obtain single party insurance on the collateral to protect its interest. This is usually much more costly than naming the financier as a loss payee on your collision coverage through your own insurer.

Most insurance companies will offer the option to pay weekly based on a minimum 1 month contract but there is also the option for purchasing short term car insurance which is significantly more expensive than normal car insurance but is great if you just need temporary cover.

It depends on the State that you live in. Certainly you cannot drive without insurance at all. You may have a statutory fine for having a registered vehicle without having insurance on the vehicle if there is a lapse in coverage. If you are a repeat offender then you may have a period of time where your license is suspended.

It is not possible to give you the average cost or car insurance from Mercury Motor Insurance as the amount charged depends on a number of variables. These variables include, the type of car, the age of the driver and the amount of time they have been driving, as well as taking into account any previous insurance claims or no claims discounts.

Geico Caveman is a trademarked character of the insurance company Geico who appeared in a number of TV advertisements for them. He first appeared in an advertisement in 2004.

Comparing one insurance company to another can be a matter of personal preference or subjective opinions. I will give you my opinion and you can take it for what it is worth. I do not like GEICO Auto Insurance Company. They have extremely high employee turnover because of the high pressure sales techniques they use. Sales employees are not truly licensed agents in most cases like other experienced agents are. They are timed and allowed so many seconds to close a sale or get off the phone. I have many employees insured with my agency because they do not want to have to deal with the claims department of the company they work for. This all tells me something about the company. You also don't have a personal representative or agent and will never talk to the same person twice.