Auto Insurance

The answer depends upon whether or not you maintained collision coverage on your car. This is a type of "first party" coverage that pays for physical damage to your car, usually subject to a deductible. You could normally make a claim to your own collision insurer if you had that coverage.

If the driver who backed into your car had liability insurance, you could make a claim against her.

Hard to say without knowing the situation in detail.

The Auto train takes vehicles upto the size of vans and SUVs. The maximum allowable height for oversized vehicles is 7ft 1 inch. Size and space must be specified at the time of booking.

Buying homeowners insurance is a tricky proposition for some. Buying this kind of hazard insurance from Geico varies based on the level of coverage and how comprehensive it will be. The range is typically between $55 to 95 per month.

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A car insurance quote is a no obligation estimate that you can get from a car insurance company. They will base the criteria on the quote on things such as previous driving record, and make and year of the car.

I'm told by AARP The Hartford that this number is different for everyone and depending on when your policy was written. You will have to call the customer service on your bill to get your number. The CS number on my bill is: 800-423-6789

Lot's I hope. I don't think you should have a drivers license or be allowed to drive at all with two dui charges. I assume you mean within a short time period. Please clean up your act or stay out of a vehicle.

Liability coverage is to pay for the other party's damage in an accident that is your fault. It is divided into two parts, bodily injury and property damage. You have a choice of selecting what amount of coverage you wish to purchase.

Car insurance standards per vehicle is normally based on the vehicles crash ratings, gas consumption, retail price at the time, and body style. The Chevrolet Tracker has a very low crash test rating. And thus, very high insurance premiums. The same can be said for cars like the Dodge Neon.

Contact your agent and ask them this very question. Most all companies want to know all people who live in your household or drive your vehicles. Most of the time the company doesn't even charge you a premium until they get their permanent drivers license but you are usually expected and required to notify them of the age and license information.

The insurance company will probably deny coverage if you allow an unlicensed person to drive your vehicle who you have not had added to your policy. This is called material misrepresentation on your part.

Absolutely. Say you have an 18 year old in your house that you have not listed on your auto insurance. You allow your child to drive your vehicle and they have an at fault accident that causes damage and/or injuries to another vehicle. Your insurance company probably will not pay for the claim because you have not been paying premiums to have the 18 year old covered on your policy so they deny coverage. At this point you will still be personally responsible for the damage and injuries. The other parties insurance may pay their damages under their uninsured motorist coverage after which they will sue you personally for reimbursement of all amounts they had to pay due to your lie. If they have to go to court to collect you will also have to pay all legal fees, collection costs, and interest as well. Depending on your state laws and regulations you will often times loose your drivers license until it is paid in full. My advice is if you expect your insurance company to pay when you have a claim then pay them the correct premiums and don't lie to them.

You will have to have insurance on the vehicle to drive in Texas any way you go about it. Texas is a state that has mandatory insurance coverage. The owner of the vehicle needs to add you as a driver and give them your license information. Most insurance companies do not charge anyone additional premium for a person with a learners permit. I assume your laws are that you can only drive with a licensed driver in the vehicle whenever you drive.

No. Just the fact of being unlicensed does not mean that the driver did something that caused the accident. Being unlicensed is what is called a non-moving violation. Another violation of this type may be not having a current registration tag on the vehicle. Just because you don't have a tag on your car doesn't automatically make you at fault for someone hitting your car. Fault for the accident will have to be determined by the police officers after they investigate the scene and take statements from witnesses. The person who is driving without a drivers license will get a ticket for not being licensed and then whoever was at fault will receive a violation for whatever they did to cause the accident.

Grace periods and days prior to cancellation are items that are generally set by the State Legislature or regulations of the Insurance Commissioners Office. These are normally standard throughout the state from company to company and are not really up to individual companies.

Yes

bjanka murgel

Absolutely. Your policy states that you will notify the insurance company of any and all household members and all regular or occasional drivers. You will need to provide the company with their name, address, drivers license number, date of birth, and any other information they may ask for. It is very important that this is done as soon as possible so that you do not endanger your own insurance coverage.

Yes, you need to give this information to your insurance carrier. Most insurance companies do not charge a premium for children with a learner's permit. When they get their permanent drivers license you will need to update that with the insurance as well. Make sure you obey the state laws as far as having a licensed driver riding with a learner at all times as well. Safeco has a device that can be added to a teenagers vehicle that even allows you to set geographical boundaries and you can set it however you want to. You can set it up to text you if they go out of the area they are allowed to drive in and it can even text you if they exceed the speed limit by more that whatever amount you set it for. They will give you a discount for having this installed. Installation is free and you pay a little per month for the service. You can see everywhere your teen has been and how they drive. The info is not reported to the insurance company but is yours only. It's a tool.

First, it's not the adjuster that submits a claim. You would submit the claim to the insurance company or to your agent and then it is sent to the insurance company claims department. The adjuster is the person in the claims department that handles the claim. He or she will get statements from both drivers, and look at the accident report from the police department and make a determination as to fault. The adjuster then handles repairs and payment for losses. The quicker everything is gotten turned in to the adjuster the faster they can finish and keep everyone happy.

If you change vehicles on your policy it will create a difference in insurance premium. You will receive a bill or a refund for the difference in the premium. There is no policy fee just the premium change.

If you are a listed driver (drive one of the insured vehicles on a somewhat regular basis or have it available for your use regularly, or if you live in the same household as the insured even if you don't drive their cars, but technically you have access to the keys and car since you live in the same house) OR even a Rated Driver (parent owns the car but you drive it more than anyone else on the policy, so the premium is calculated using your driving record and info), you can have a policyholder request an additional card. He or she may have access to print one from the company's website.

Regardless, the card will NOT show your name. It will only show the Primary Insured and (if applicable) Additional Insured who are the Policyholders (or Policy Owners).

There is no average cost of insurance. There are far too many factors and variables involved in rating an auto policy, especially a commercial auto policy. You can have a company that hauls dynamite and has ten trucks versus someone like UPS.

Traditional auto insurance pays for damages and injuries based on which driver(s) caused the accident. If you veer out of your lane and hit another car, your liability coverage is required to pay for the damage and injuries to the other driver.

No-fault insurance requires a person's own insurer to cover any damages, injuries or medical expenses he/she sustains in an accident, regardless of who caused the wreck. Each driver selects his/her policy limits and they can only collect up to that amount, even if their actual loss is much greater. So if you buy a policy with 50/100/25 limits and a drunk driver hits you head-on causing extensive spinal and neurological damage that will cost millions in medical expenses over the rest of your life, you will get $50k (max. bodily injury per person and that's it)!

The other major difference compared to traditional coverage is that you are legally prohibited from suing the other (at-fault) driver for any additional money! The original intention of the No-Fault concept was to greatly reduce the number of accidents that to court to determine fault and also eliminate huge monetary awards for punitive damges (pain & suffering). In theory, you just buy enough coverage to protect you and your family and that's all there is to it. Unfortunately, the world doesn't work that way.

At the high point, 26 states had no-fault auto insurance laws. At the end of 2012, only 13 states had no-fault insurance laws and most of those were 'modified' no-fault insurance which means they have any number of changes or exceptions unique to each of those states. More than half of the 13 states are currently working toward phasing out no-fault and returning to traditional coverage.

One of the major flaws in the no-fault concept is that negligent drivers who harm or even kill others aren't held fully accountable. Their auto insurance premiums do not increase in direct correlation to the damage they cause. Their victims are often not fully reimbursed for medical treatment. Their is little to no accountability and even fewer consequences for their behavior.

Another proposed benefit that no-fault would provide is lower insurance premiums for all drivers in each state as a whole. In reality, no-fault states were paying up to 125% more than traditional insurance states as of 2011!

No-fault auto insurance, much like Communism, is theory that can only work in an ideal world....and fail miserably in an imperfect world such as the one in which we live!