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Auto Insurance

Auto insurance (or vehicle insurance) refers to the insurance purchased to protect vehicles against loss or damage caused by accident. It is usually a compulsory requirement in most countries for all vehicle owners.

10,288 Questions

Should you contact the at fault insurance company for car damages?

No you don't have to call the at fault insurance company. You have to get the information from other driver, give this information to your insurance company/agent. You have to get the collision report from reporting center. If the damage is more than $1000 and somebody is injured too, you may call police and send the police report copy to your insurance co.

How do you handle the insurance after a hit and run and person deny hitting your car?

In the U.S., in states that do not have No-Fault insurance: You need Uninsured Motorist coverage to cover damage to your car in case of hit and run. In order to not be held at fault inappropriately, get the contact information of any witnesses, and explain what happened to the police. If there is doubt about who is at fault, the insurance company may decide based on the police report (including what citations were issued). A court decision, including assumed guilt if a citation is not contested, will often determine fault.

What auto-insurance has 0347602-il-pp-002 as a policy number?

Oh Boy, that's a new 02 on the end, referring to the amount of people involved in the case..

Do you need auto insurance before you buy a car?

You are required to have at least Liability Coverage for the vehicle before ytou drive it off the lot!

What if you have a car loan and have an accident and bank or insurance didn't make sure you had full coverage?

When a person finances a car, proof of insurance is required, a buyer has about

24 hours to let his insurance company know about his car. In the event that

car buyer stops making insurance payments the finance company is almost

immediately notified and your car finance agreement charges the buyer

a higher monthly payment for "single interest" insurance. That is where the

finance company is reimbursed if vehicle is damaged, to protect their interests

but not the buyer's. They can then at least get it fixed, and sell to someone

hopefully more responsible. They have this stuff all figured out.

How much will it cost to license and insure your diesel?

It would depend on the type of vehicle and where you licence it.

Insurance depends on many variables including such things as age.

What is a double deduction in auto insurance?

The deductible will double if the loss occurs during a certain time period. So if your deductible is currently $500, you will pay $1,000 before the insurance will pay any amount. Typically this applies only for the first two or three months of a new policy. After that, only the $500 will apply. The benefit of selecting a double deductible policy is that it lowers your premium.

Can i buy auto insurance for a car that's registered in someonelse's name?

Yes, you can buy liability coverage for almost any car. You may not be able to buy comp or collision though.

Do you need to get your teen car insurance?

Anybody that is a member of your household must be listed as a driver on your insurance policy. Outside of your household, anybody that drives your vehicle more than once per month must also be disclosed to your insurer.

Can i drive my friends car without insurance?

It depends. If you are going to be driving a car in most states, the state requires you to have insurance. Your friend's insurance could cover you but if you hurt somebody in an accident they will come after both you and your friend, so its important to have your own coverage.

You don't want to lose all your money and all your possessions to a person you hurt just because you don't have insurance.

If you don't own a car (like if your employer provides you a leased car and its the only car you drive), you can still buy insurance called a 'non-owners' policy. This would be good if you are going to be driving your friend's car a lot.

What happens if you are in a car crash without liability insurance?

It depends on who and was injured in the accident, who received injuries and what property damage was received. Although it differs from state-to-state many states require (UM)Uninsured Motorist coverage as well as liability insurance.

Under Illinois law, you are required to have car insurance Liability limits of at least 20/40/15. What does this mean? It means:

$20,000 per person, for bodily injury you cause,

$40,000 per accident, for bodily injury, and

$15,000 per accident, for damage to another's property, usually their car.

Uninsured Motorist Bodily Injury Limits of:

$20,000 per person,

$40,000 per accident.

These are just the minimums and most drivers carry limits much higher then this. If the other driver is injured he is covered up to $20,000 per person and $40,000 per occurrence. In all actuality, the other driver's property and injury will be covered by his insurance.(The UM portion of the policy) However, this does not stop the insurance company from trying to recover the money it paid out from the liable party. This is called subrogation; the insurance company could sue you(if you were found liable) to recover damages to property and bodily injury that you caused.

Although it is estimated that 18-24% of drivers are uninsured, it is illegal and dangerous. If you were in an accident and caused damages you may have to pay civil and criminal damages and wind up paying for the rest of your life or spend time in prison.

If your car is registered, random checks are done to make sure people have auto insurance. If you don't carry proof of auto insurance and you are stopped by Illinois law enforcement, your license plates get suspended and you will receive a minimum $500 fine for driving uninsured, not to mention it then goes on your driving record and then you have to pay $100 reinstatement fee once you do get properly insured again. If you continue driving uninsured and get stopped, you get a minimum $1,000 fine for driving a vehicle while the license plates were suspended for a previous insurance violation, and a minimum 4 month suspension plus $100 reinstatement fee. Lastly, while the plates are suspended, no one may drive that vehicle.

What will auto insurance companies usually pay to settle a claim for two broken ribs personal injury?

No two auto claims are exactly alike and so no settlement is exactly alike. It will depend on all the factors and fault as to the accident. Who you are in relation to the policy and which policy is paying the claim. Are injuries long term or short term. What the physicians say about future treatment or disabilties from the injuries. There are too many factors to give you a number with any accuracy at all. Sorry.

Do you have to a drivers license in order to get a registration for a car or will your Ohio ID work since you don't have a driver's license?

If you do have a license I hope you are a driver registered to the drive Ohio. If you only have a ID you will need to go to Ohio very so fast and then you will just be there!

How long do you have to make claim for car disability insurance after you become disabled?

It depends on the statute of limitations for liability claims in your state. It varies from state to state. Some can be as long as 6-10 years. Some can be as short as 2 years.

Can you insure a car in a different state that is registered in a different state?

No. The Insurance Policy must reflect the garaging address in the very State in which the vehicle is licensed for road use. However, once insured in one State, for example, Arkansas, the vehicle is covered to drive any where in the United States of America. There are certain companies that will allow drivers to be listed on policies with out of State Drivers License.

Where do you get cheapest student car insurance quotes?

it is totally depend in which country,you are living, because right now there are lot of insurance company who give you better student insurance policy, so as my view,you should check online about insurance policy,check their quotes,and compare the more you will gather information, it is better for you,

Can you put two cars under disability insurance?

Only human beings are covered by disability insurance. If you want to insure cars, you require automobile insurance.

Does having three accidents mean your insurance will be canceled?

No, the insurance company will not cancel your insurance for having three accidents, but they will increase your insurance premium.

Does your name have to appear on your husbands car insurance policy I have my own car insurance for my car?

In most states, a spouse is automatically considered a 'second named insured' whether their name is on the policy or not.

But you are likely paying more for auto insurance if you each maintain a separate policy in your own name. Some insurers won't rate you as being married unless you list your spouse, which saves up to 30% over a single driver. Also, the multi-car discount for having both cars insured together is worth up to 25% in savings.

What is the time limit to erase an accident on auto insurance in Minnesota?

Accidents never erase from your record. All insurers look at your record for a different amount of time. Typically 3 - 5 years is the time that most insurers care about.

Does your insurance covers you if you run a red light by accident and crash in another car?

Yes because they have to...but you can expect to get a cancel letter soon afterwards ....and hard to find reasonably priced insurance afterward

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