Auto Insurance

I think it would have to be the person who hit your car because they caused your car to crash into the other car.

Car insurance normally does not cover personal content that is not attached to the car. Your car stereo is covered (if it is installed) your iPod is not, nor are your CD's etc... They would however be covered on your home owners insurance, even while in your car.

Well not 100%... if you live in Ontario and you get into a NOT AT Fault accident then your contents will be covered under DCPD. other then that no.. home insurance.

If your lien holder repo's your vehicle, they can file a claim against your insurance for damage to the vehicle. The repo company itself would have no claim, because it's not their vehicle.

No. They will give you the money for the value of the vehicle and then you are on your own. However, check with your state's Department of Insurance. You might have recourse against the insurance company if you are unable to find a comparable vehicle with the amount they gave you.

Yes. The owner takes out the policy and adds on people who drive the vehicle. The owner can be listed on the policy as a non-driver which might make the policy cheaper.

Yes, it is possible. Good, well trained adjusters are capable of determining the difference between "striking" damage and "struck" damage.

How much you have to pay if you make a claim on your insurance i.e if your car costs £750 to repair and your excess is £250 the insurance company will only pay £500

Joe Deeks

If you are driving a car or have it parked on a public street or parking lot then it must have insurance

You should still have the title to the car. If you take the title to the Dept of Motor Vehicles they will have record of your car's registration and will issue you new papers. The insurance company will also have record of your policy and can issue you a new insurance card.

insurers may derive revenues, or losses, both from collecting premiums on insurance and from investment income.

Surety insurance accounted for approximately 1.1 percent of property/casualty sales in 1995 and accounted for a similar proportion of the jobs within the industry.

in order to ensure the validity of title for a buyer, title insurance companies had to also track prior owners of the land and determine if the land had any easements, liens, or other encumbrances

he commercial surety industry in the United States did not begin until 1884 with the incorporation of the American Surety Corporation of New York

the agent is under the authority of the principal, or insurance carrier, and has the ability to make decisions as a representative of the carrier. Therefore, the principal can be held legally liable for the agent's business

Although their primary function is to sell policies offering financial protection against loss, agents and brokers may also help their clients plan for personal, family, or business financial security.

get a police report will out it you are screwed

Yes

It varies depending on the type of coverage, amounts of premium involved, and the contract the agent has with the particular insurance company.

There is a plethora of information online that can give you a general idea of insurance premiums for auto coverage. This includes sites of insurance companies and agents/brokers. However, laypeople are often unaware of the complexities of insurance generally, including auto insurance and how premiums are determined. For example, factors that enter the premium calculation include the coverages sought, the make and model of the car, how many miles it is driven, whether it is used mainly for work or pleasure, and even where it is garaged (that is, your home location). There are many other factors as well.

A licensed insurance agent or broker is usually the best source for an accurate quote and advice. The line is sometimes blurred between agents and brokers and the word "agent" is starting increasingly to be used for both. However, when someone does hold themselves out as a broker, it means that they can accept applications and submit them to a variety of insurers. Historically, an agent represented a singly, or very few insurers.

In all events, make sure that the agent or broker is licensed in the state in which the policy will be issued (where you live). Licensure can be confirmed by contacting the insurance regulatory authority of that state.

The cost of auto insurance depends on the model being covered, so you must know at least the kind of car you will buy before the policy becomes active. But you can work with the insurance company or agent to get everything in order so the insurance is ready to go as soon as you own the car.

You don't need a driver's license to own a car, and thus to buy insurance, but you must have that license before you drive the car on public roads.

Normally yes. Insurance companies are concerned that they insure drivers with valid drivers license, the State where it is issued is really not a concern.

Generally, the owner of the insured car is held liable for any damages or losses involved after an accident. So if you want to file a claim for compensation after a crash, it is better to file it with the owner of the insured car or his insurance company. The adult unlicensed driver however, can be held liable criminally if there was death or injury involved.

Yes and no. You'll need to provide an address. If your homeless, use an address of a relative or friend