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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

What insurance company has a policy number of ba?

Lots. It probably starts that way because it is a business auto policy. See BA - business auto. Many companies use PA for personal auto. Some do some don't. Good Luck. Call the owner on the accident report or call the police who wrote the report and see if they will get it for you. Probably not.

How long do you have to file an insurance claim after an accident in Colorado?

It is wise to file your claim ASAP. However, there is a statute of limitations which varies from state to state, depending on the type of claim you have, property damage, personal injuries or both. It usually is between 2 to 3 years.

What is insurance cost for classic car?

That would depend on at least three things. (1) What is the market value of the car, (2) How secure is the place where the car is kept (3) Do you drive it on the roads.

Market value would have to be estimated since one doesn't know what anything will fetch until it is actually sold. Security matters because any valuable thing is attractive to thieves. Driving a valuable classic car puts it at risk of damage or mechanical breakdown.

The insurance on a new Ferrari is quite high because the cars are very expensive. But parts are available along with mechanics qualified to work on such cars. Parts for, say, a 1947 Ferrari may be hard to find and very pricey. The value of such cars is driven up by how many well-heeled collectors want them.

Why do insurance company want a 16 year old to get insurance when the car is insured already?

That doesn't make sense. You may have misunderstood. The 16 year old driver would have to be listed on the policy as a driver. Most companies will not even allow a 16 year old to purchase insurance in their name because they are not a legal adult and an insurance application and policy make up a legal contract.

When is it wise not to report to insurance company?

never, even in the case the accident falls under a certain limit you should report the accident to allow your insurance company to protect you and itself.

Can you drive an insured car if you have no insurance in Canada?

I think I understand your question. Most U.S insurance policies provide coverage when you drive the vehicle to Canada. On the other hand all insurance stops at the Mexican border. Read you own policy to make sure or call the agent and ask them. I am talking about for a visit or vacation not moving to Canada.

Can a person get insurance on a car someone else is financing for them?

Yes i n the state of Texas there are many reasons for a separte insurance policy. The vehicle which you drive can be insured by the owner, ie bank or individual and the driver even when the driver is not on the title.

What are some of the majors factors they consider when giving an insurance quote?

This is a gay question next!!! The rate depends on alot of factors. · Credit History · Prior Insurance Losses · Claims History · Motor Vehicle Record · Year, Make and Model of Vehicle · Annual Mileage · Mileage to Work/School · Age · Driving Experience · Marital Status Among other things…

Can you have different insurance on separate cars?

Sure, buy why? You get discounts for having multiple vehicles on a policy. You are still required to list all household members and drivers on both policies. The only advantage may be if you have a bad driver in your household with lots of tickets who you want to exclude from all other vehicles except for the one he/she drives. This is the only real time it may be beneficial. I always caution anyone signing an exclusion because if a driver is excluded no matter what the emergency or just moving a vehicle in the driveway, if the excluded driver is driving there is no coverage at all for the claim. I rarely use the exclusion.

How do you get auto insurance on a vehicle that has a cancelled registration?

Insurance would not require a valid registration but in order to be able to drive the vehicle you would need to register the vehicle again. You probably would not be able to register the vehicle until after you insure it.

Can you have a car in your name with no license but some else driving it with a license and insured on it too?

Some insurance companies will allow the named insured to be excluded depending on the reason. The policy would need to be in your name if the vehicle is in your name. Any drivers must be listed as drivers on the policy but not as the insured.

Does uninsured motor vehicle - pd cover damages to your car?

If you have automobile insurance with an uninsured motorist property damage endorsement it covers damage to your car caused by an uninsured motorist. If you have collision coverage the endorsement will pay your deductible. If you don't have collision coverage the endorsement will pay for damages up to a set amount, typically $3500. Before it will pay it has to be determined that the other party was at fault and that they have no insurance. In the case of a hit and run driver it wouldn't pay because it would not be possible to determine whether or not they had insurance.

Do you have to add your child to your auto insurance policy if they do not live at your address?

In the state of Texas you do not have to list your child on your policy. If living in your home you can enlist a separate policy for that child. If living in another home it is never a requirement to have them on your policy although there are some policies which certain insurance companies write which require the child on your policy while living in your residence.

Who pays for pain and suffering when the person responsible for the car accident doesn't have enough insurance to even pay for your medical bills?

generally, it would be from your "uninsured/under-insured motorist" coverage. You wind up suing your own insurance company to collect. If the uninsured motorist coverage on your personal auto policy is not enough, you may also be able to tap the uninsured motorist coverage under your umbrella policy (if you have one). Now, if you live in a "no-fault" state you can tap the "personal injury protection" or something similar (different states call if different things). If you are in this situation, I'd highly suggest you consult an experienced lawyer.

AnswerYou would have to sue the responsible party in the accident for pain and suffering.

If they are insured for liability and you can prove pain and suffering in court, then their insurance company would pay a court judgement up to the policy limits.

If they are not insured for it then you would first have to pay your own lawyer expenses and you could get a judgement against the responsible driver with which you could then seek wage garnishments and property liens to recoup your loss.

Can your license be suspended if an auto accident involved your uninsured car driven by my son in law who's insurance excluded the car?

As the owner of the car you're liable as well as responsible for maintaining insurance coverage on your vehicle. If you knowingly allowed your son in law to drive a vehicle which is not insured is even worse.

Therefore, yes, your license can be suspended, especially if you're sued and a judgment is issued against you.

Who is at fault when a parked car pulls out and hits passing car driving too fast through the parking lot?

The driver of the parking car is at fault... he shd allways keep a man to inform him about danger, whenever backing in such a speedy street....

Is auto insurance necessary if you have motorcycle insurance?

This one is easy. If you have an automobile you need auto insurance. If you have a motorcycle you need motorcycle insurance. These are two different types of policies and one will not cover the other. Some insurance companies offer both types of policy so you can purchase both policies from the same company but if you own both you have to have both policies.

Does full coverage auto insurance cover auto repairs?

yes full coverage insurance covers auto repairs. It also covers maintinance and gas costs. Thats right fuktard, full coverage insurance is the only expense you will incure while driving. In some cases they will even pay speeding tickets for you!