0
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
How do you calculate gross premium?
how do you find out gross written premium if they provided loss ratio and claim paid
Can you insure your car without registration?
Yes, some companies will insure your car without registration.
This is how to get your proof:
Call your insurance agent and explain the situation and ask him or her to get you another card or notify the insurance company for you and have it mailed to you. This is one of the advantages of having a local insurance agent to whom you can go when service issues such as this arise.
Sometimes however, the direct automobile insurance writers (those that market directly to the public without agents acting as intermediaries) will offer such
attractive premiums that you decide to get your insurance from them. Invariably, they will have customer service representatives that can help you with issues such as this, but the relationship will be less personal.
Many, if not most US jurisdictions require the driver to be able to produce proof of insurance upon request. It is therefore vital that a card evidencing coverage then in force be upon your person at all times that you are operating a vehicle.
Do you have to sign a medical release form from an insurance company after a car accident?
No, you shouldn't have to sign any forms after a car accident.
What do I do when the owner of a dog damaged your car and has no homeowners insurance?
The best option would be to file an action in small claims court, it's very easy and does not require an attorney.
Will American family liability insurance cover you if you hit a deer?
The liability will cover for most property damage that may happen. I don't think that the deers family will sue you so that may not apply in this case.
If you have coverage for the vehicle such as comprehensive and collision coverage, then it should cover your vehicle for the damage that was done, minus the deductible.
What value do car insurance companies use when totaling a car?
They will inspect the vehicle and then look at the value of it in the Kelly Blue Book or the National Auto Dealers Association guide to determine it's value. The insurer may also consider vehicles of like kind and quality to determine that which they are sellinf for.
The insurer will compare the value of the vehicle to the price necessary to repair it by getting estimate(s) from reputable auto repair shops and/or auto body shops. If it costs more to fix than the vehicle is worth they will total the car. The statutory law of many states require that an insurer total a car if the cost of repair exceeds a stated percentage of the actual cash value.
What happens if you have a wreck without auto insurance in Texas?
If there was a police officer involved then you would probably be cited for not having auto insurance.
If you are found to be at fault then legal action could be brought against you by either the other party or the other parties insurance company.
How many types or car insurance are there?
There should be just one type that most companies offer for your car.
If you had an antique vehicle or something collectible, then you may need that type of car insurance.
I have represented a company that would rate higher if you were with a sub par insurance company.
The thought behind this was that some sub par companies would not report their losses to the Comprehensive Loss Underwriting Exchange so they could not verify if you had any insurance claims.
What happens if I don't repair my hail damaged vehicle with the insurance check?
Nothing should happen.
Where can you get cheap car insurance for young drivers?
Car insurance premiums are measured using a variety of variables. These factors include your age, driving experience, vehicle model, annual mileage, and overnight parking location. You can compare cheap insurance rates for young drivers online.
What if car is stolen and you have full coverage?
After making a police report, contact your insurance companies claims department right away and report the theft
If you have comprehensive coverage on that vehicle, then your loss will be covered under your policy.
If you have rental car coverage then the Insurance Company will also pay for a temporary rental car for you to drive. It just depends how much insurance you bought.
For vehicle theft claims, It is customary for the Insurance Company to wait a short time to see if your stolen vehicle is recovered for you by authorities.
What does swb mean in a vehicle?
Some say it means "short wheel base" and others say it means "short wide box". These terms usually refer to pick up trucks.
How do you become a good driver?
you can become a good driver by simply following all the rules and laws of the road. It takes time to become a good driver, but it can be done- especially if you follow all the speed limits and do not text and drive.
Is your auto insurance affected if another person receives a DUI in your car?
A DUI will not, it will if the person is on your policy and may increase if that person cause an accident in your car.
What kind of car insurance is required?
There are various types of car insurance, the one you choose depends absolutely on you. By law you are required to have a minimum kind of insurance meaning it is criminal to drive without an insurance cover. Be that as it may, the available cover vary with the cover they offer. Private Car Insurance policy cover is divided into three, from the highest to the least here they are:
- COMPREHENSIVE : this in is an all risk cover and it covers your vehicle and third party's vehicles against accident, theft, fire and other road risks also covers Third party injury, medical expenses etc.
- THIRD PARTY FIRE & THEFT: this a restricted cover, which covers injury to and damage to Third Party's car and covers own car against Fire and Theft alone.
- THIRD PARTY: this is the least kind of cover and by far the cheapest. It cover injury to and damage to Third Party car only.
Therefore, take any of the above with respect to your budget and your car (my advise - expensive cars should be insured on Comprehensive basis).
Is military auto insurance different from regular insurance?
yes,there is certain types of difference in regular insurance and military insurance,
in a country like USA,they provide many insurance company which are made for only military insurance,because those military person do lot of lot things for country,
military insurance company worked in 2 ways
1. a insurance company which is made only for military insurance ,which is provide by their government of country ,by that person gets advantages,person gets reduction on insurance fees
2. usual other insurance company which involve all kind of insurance like car insurance,low cost car insurance,no credit car loan insurance, and military car insurance
Your expired plates should not cause an insurance claim to be paid.
What is a deductible in auto insurance?
A deductible in any kind of insurance is, basically, the minimum amount before the insurance "kicks in." On any repairs covered by your insurance, you will have to pay the deductible amount before the insurance will pay anything.
How much will auto insurance cost for a 26-year-old boy?
Your insurance can vary based on quite a few variables, not just the age of the driver. I would call an insurance agent for a precise quite. I recommend that you compare quotes from different companies.
Does your first ticket for running a stop sign affect your insurance?
If you are found responsible for the infraction and your insurance company runs a motor vehicle report then it will sometimes increase your rate.
