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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
Does State Farm cover raccoon damage in Oklahoma?
The answer depends not on what state the damage occurred in, but what kind of coverage you have. If it is your car, damage from an animal is covered under "comprehensive" coverage. Look at the declarations page of your policy to see if you have this. For homeowners insurance, usually damage from larger animals, like raccoons is covered, but smaller animals, like rodents, termites, etc are not covered.
Who is the girl with nice legs in Geico commercial?
Umm, only the gieco people know, and why do YOU want to know???
What does a named non owner policy cover?
It's a liability only policy. Non owner means you do not own a car so all you can get on it is Liability and some medical coverage.
Does your insurance company have to notify you before they cancel your auto policy?
Yes. Depending on the state and for what reason the policy is being cancelled, this determines the number of days that prior notice is required by the insurance company to provide to the policyholder.
What happens not your fault someone hits your car but does not phone their insurance company?
You can always file a claim on their policy. If they do not cooperate with their insurance company, the company has to give them the state required days to respond before they make a ruling on fault.
What to do or should know when your auto insurance salvages a vehicle?
In the U.S., Auto Insurance companies do not salvage a vehicle. If the vehicle claim is paid out as a total loss it is sold or auctioned off to a salvage or a junk yard.
The junk yard may crush the vehicle for scrap metal value or salvage parts from the vehicle or even to re-title the car on a salvage title but this is totally up to the salvage yard or whomever the yard then re-sells the vehicle too.
How much would car insurance cost for a 17 year old male driving a V8 20000 pound car?
More than you could afford...
Do auto insurance companies have a grace period by law or do they make their own rules?
Your Insurance Agent can best advise you of the laws in your state. Each U.S. state regulates it's own insurance industry so the rules may vary from state to state.
No, Auto Insurers are not allowed to make up there own rules and there are no required grace periods under the law.
In most U.S. states, If your policy is cancelled due to non payment of premium to the company, they are required to send you a 10 day notice prior to cancellation. It's not a grace period it's just a 10 day notice. This confuses many people and gives some the impression of grace period.
If your policy has simply expired and renewal premium was not submitted then the policy term is ended, it would not be considered cancelled and no additional notice would be required.
In most U.S. states, If the company of it's own volition decided not to renew your policy they are required to notify you 30 days before expiration of the current policy that they will not be offering you a renewal.
These are General rules in Most U.S. states but may vary from state to state.
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Is your 17 year old licensed daughter covered if she drives your cars covered for insurance?
If your teen is a Licensed Driver and a member of your household or a minor ward and you have failed to disclose (Concealed Drivers Fraud) by adding them to your insurance policy, then she is not a covered driver under the terms and definitions of your auto insurance policy.
However, Since parents are liable under the law for the acts of a minor child, Your insurance company may be required to pay for the accident as a negligence claim against the insured parent.
If your insurer determines fraud on your part, they are not required to pay any claims arising out of fraud. In fact the law prohibits the insurance company from paying known fraud claims.
Depending on the internal operating policies of your insurer, they may or may not cancel the policy if concealment and negligence are determined.
Why can't the person pay his own insurance? The insurance goes in the name of the owner of the car. Seems like it would open up a large liability for you to do this in your name, even if it were possible. Check in with a few insurance companies.
How much would auto insurance cost for a 15 year old in Texas?
It depends on too many factors for us to narrow it down much, but as a ballpark figure, a lot. Your insurance provider will be able to answer this question for you based on your specific vehicle and the type of coverage you want.
Can you get insurance on a car not titled in your name?
no you can't Its not in your name so you can't get insurance from a car that is not titled in your name
You just contact your insurer and add the new driver to your insurance policy. Otherwise you are allowing an un-insured driver to operate your vehicle.
Bear in mind that a claimant can sue both the driver and the owner of the vehicle if they have been injured in an accident. They can sue the driver because he was thr direct cause of the accident. They can sue the owner for negligence because he allowed the un-insured driver to operate the vehicle.
Is collision coverage deductible and tire slashing the same?
No, Tire slashing is considered Vandalism and is covered under the comprehensive portion of your Auto Insurance Policy. Your comprehensive deductible would apply to the loss.
What OPNAVINST and MCO govern policy pertaining to emergency vehicle operator qualifications?
Opnavinst 5100.12j
What happens if I drive my car when it's insured but not registered?
Where I live it costs $270 fine plus towing, impound and having the car registered before it can be released.
Then your insurance goes up for the violation.
Just cheaper to register it.
Does insurance follow the car or the driver in wa state?
This is a common misconception in the public as well as with many Insurance Agents who have do not have a comprehensive understanding of the principles of Liability.
Your Auto Insurance follows the "Named Insureds liabilities" within the terms of the insuring policy, NOT the vehicle. This is the same in any state.
Examples,
1. You loan your neighbor your car and he has an accident. You are liable because you gave the neighbor permissive use. As a result of your liability your insurance will invoke and cover the accident barring any exclusions or limited endorsements.
2. You have a "Named Driver Policy", sometimes called a "Limited Policy", and someone uses your car with or without your permission and has an accident. No claims would be paid for your car nor the other vehicle simply because no drivers other than the named insured(s) are covered drivers under your Named Driver Policy. Named Driver means exactly as the name implies. Coverage is limited only those drivers named on the policy.
3. Someone steals your car and has an accident while robbing a Bank. Again, your car would be covered if you have comprehensive coverage but no Liability coverage would be extended to whomever the thief hit with your car. Since they stole the vehicle they obviously did not have permissive use and the named insured is not liable for the acts of the thief.
As you can see it is not so simple as to presume that any auto insurance policy simply, "follows a vehicle". Liability is much more complex than that.
If we were to assume that coverage just "Follows a Vehicle", then all the scenarios above would have to be covered, even the car thiefs accident would be covered, which of course, defies reason.
Best of Luck
What is pure premium equal to?
Pure premium is the cost of your insurance before state imposed taxes and fees.
See your policy details or quote page. You will generally first see pure premiums, then below that you will see any applicable state Taxes and Fees, below that you will see any applicable company or agency fees.
The Government always wants it's share of your insurance payments.
Do you need car insurance if the car is not being used in the UK?
Yes and No!
To clarify, if the car hasn't been granted a SORN (Statutory Off Road Notice), which declares the vehicle off the roads and not in use, then insurance must be placed and remained on the vehicle even if you don't plan to ever use it. Once SORN'd, the vehicle is not viable to be insured, but driving it will be deemed illegal and the vehicle will be seized and crushed and you will incur penalties and court costs.
Does car insurance cover the driver if he is not on the policy?
It may and it may not. It depends on the definitions of an "insured" driver under the terms of your insurance policy and the type of insurance policy you bought.
Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost "Named Driver" policies extend coverage to no one other than those named on the policy.
Contact your insurance agent if you need assistance with your policy language.
