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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 should you do if you are refused car insurance?
Just because you are denied insurance coverage with one company doesn't mean you will be again. As an independent insurance agent, I represent over 15 different auto insurance companies and if someone is truthful with me I can place them with the company that has the best coverage and rates for their situation and driving record.
Does auto insurance cover telephone pole damage or replacement?
Yes, The liability portion of your auto insurance policy will cover the damages you may do to a telephone pole in an accident.
What can you do if you have no license to get insurance under your car?
Call an insurance company. You can insure anything if you can prove it is yours.
Can you register a car with out insurance in New Jersey?
To register a car in New Jersey you need
Certificate of Title
Proof of New Jersey insurance
Proof of your Social Security number or exemption
The current odometer reading
Your driver's license or, if you don't have a New Jersey license, appropriate identification.
So no you cant register a car in NJ without insurace.
What is uninsured motorist property dam?
This is actually "Uninsured motorist property damage coverage" Or Waiver
It is the portion of your insurance that covers you if the other motorist has no coverage.
If it is a waiver you have to initial it means you have declined this coverage. This is one of many ways the cheapo insurance companies lower your rates.
Can you insure your teenagers car?
Yes you certainly can insure your teenagers car. Be sur etaht you also add the teenager to your policy otherwise they woudl still be driving un-insured.
If your teenager is a minor, You really have little choice about it. Parents and legal guardians are automatically liable for the costs of accidents and injuries caused by a minor ward. It would be prudent to insure your minor child and the vehicle they are driving. Not doing so could land you in a law suit with no insurance coverage for legal defense or payment of claims resulting from your childs driving.
Can you finance a car and still make payments on it even though you don't have insurance on it?
Yes one can, but almost all companies providing financing will require you to obtain and have insurance with specified levels of coverage immediately after purchase (if not before even approving the loan) if you don't already have it to protect their investment. If you do not get the insurance required within their time limit, they have the right to call the loan and demand its full repayment or repossess the car.
For example the CU I financed my first car with wanted proof that I had made at least an initial payment on insurance with $250 collision and $100 comprehensive coverage before even approving the loan.
So while it can be done its rarely practical to do. Its really up to the lender.
Of course, your state will still require either liability insurance or posting a bond for the car to be legally driven! But thats a separate issue from financing when you don't yet have insurance.
Can you sue your insurance company if you get hurt by your car?
No you'd have to file your loss notice with the company that insures your car or your medical insurance policy.
Homeowners Insurance policies provide no coverage for the automobiles.
it depends on whose fault is it. if yours than around 8 months. if there's than probably 4 months.
The fault is the car entering a no entry lane. because that's why its called a "no entry lane" so no one can enter through it.
Added: Unless this collision occurred on a public street or way, it would be up to the insurors of both vehicles to determine which was at fault, since traffic flow indicators and signs posted on private property are not enforceable by law enforcement.
No, the company cannot drive! If the company wants you to use your personal car for company business, they should provide insurance for that use.
Yes
Will your auto insurance increase if you get into an accident with a friend's car?
Not unless you received a violation for the accident. Otherwise it will show on your record as a not at fault accident and should not raise your rates.
Can a contractor force their subcontractor to raise their car insurance premium?
I think you mean can a general contracto force their subcontractor to raise their car insurance coverage limits. Some people choose to buy insurance with very low limits which do not provide a lot of protection. If you work for someone like a general contractor they can require you have a certain level of insurance. The reason they might do this is because they may have insurance that starts at a certain dollar limit. For example
You buy insurance which covers damage cause if you car hits someone up to $25,000. The contractor may have insurance that starts at $50,000. This means that you would need insurance that covers up to $50,000 and the the contractors insurance would start paying after $50,000.
Premium is the money you pay to purchase a policy. If you increase your coverage limits from say $25,000 to $50,000 it will of course increase your premium cost.
What group of people do auto insurance companies charge the most for?
Non-American peoples and people who are not U.S. citizens, Young begining drivers, and people who get in accidents more often (when it's your fault).
What law give the insurance company ownership of a totaled car?
It's not a "Law", it's an agreement between you and your insurer. If your car is totaled, and your insurer pays you or the leinholder a claim, the car is then property of the insurer to regain any money the can from the claim. It should be explained in the many lines of text in your policy.
Can you get a license to sell insurance in Texas with felony?
Yes, you can, but it depends on what kind of felony you are talking about.
In Texas, you are required to fully disclose any felony record on your license application. Failure to do so will automatically suspend your application.
Certain types of felonies such as financial crimes, and crimes involving forgery or public deception, etc. would disqualify you for an insurance license in Texas.
Will auto insurance cover medical bills from an auto accident?
Yes. Most states require that the registrant of an auto to maintain a type of coverage to pay for his/her own medical expenses and a portion of lost wages as a result of a collision. This is generally payable without regard to fault for the collision and is payable under the injured party's own policy. Since fault is not an inssue, it is usually called "no-fault coverage".
All policies of insurance have exceptions and exclusions, depending upon the circumstances of the occurrence. Therefore, although coverage is generally provided, the circumstances of a particular case may give the insurer a defense to payment.
Does car insurance cover injuries?
Yes. Whose injuries and how much maximum can vary greatly. The best thing to do is to find a knowledgable agent that you like and can trust and sit down and discuss your needs and wants. A good agent will find the right prce for what you want. An independent agent is your best bet as they represent several good companies that are competetive in their area. Mainly, find one you like and can trust.
