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
What if someone hits you and its not his car and there are no insurance on the vehicle?
His liability insurance on his car should transfer to the vehicle that he is driving.
Can you search insurance records by license plate number?
No, most companies will not require your license plate number.
Is insurance more expensive if you have a garage attached to your home?
I have been a licensed agent for quite a few years and have never had to ask a customer about the construction of their home on their auto insurance application.
Some policies I have written required that a car be stored in a garage.
What is earned premium on an auto policy?
Earned premium is that portion of the policy coverage has been extended. For example, if has been 2 months since you started the policy, 2 months of that policy has been earned.
Is kaiser health insurance transferable from a state to another state?
I am retired and have kaiser insurance in california, will i have coverage in colorado
What do you need to put insurance on someone elses car?
Registration, license plate number and title right?
Can you have your own car insurance policy if you are 17 in pa?
Anyone can purchase an Auto Insurance Policy. However if you are a minor, due to the limitations of contract law you would need a parent or legal guardian to countersign any application.
Can you insure your car for any driver?
You can insure the car if you list those drivers on the policy.
Do all car accidents involve more than one vehicle?
No, you could hit your house or in my case the concrete guards that protect the gas pumps.
What can you do if a car hits your car and you have no insurance but he does?
If the other party was at fault for the collision (negligent), you should assert a claim against the other driver/owner. Contact him/her in writing, assert the nature of your claim, and ask that they contact you to pay for repairs. Copy the insurance company with the letter, and make reference to the policy number in the letter so that the insurer can identify it and assign an adjuster. Ideally, you should get a repair estimate before or while you are doing this. Take pictures of the damage, too.
If no one responds within a reasonable time (10-14 days or so), you are free to file suit. The court in which you file will depend upon the court rules of your state, as different courts have different monetary jurisdictions, so you should contact the Clerk of Court for guidance. The lawsuit needs to be filed with the Clerk (for which there will be a fee), and a copy of the suit papers served (delivered) to the person(s) being sued by the Sheriff or a private process server (who will also charge a fee). The matter will thereafter proceed through the court system, and it will be your burden to prove at trial that the other party was at fault for the collision.
If the other party was not at fault and you have no physical damage insurance on your car, you will have to pay for repairs yourself.
Can someone with a revoked licence buy car insurance?
There are some companies that will write a policy if you have a suspended license as long as it is not permanently revoked.
Can you sale or transfer your car to somebody else name when its on lease under your name?
You should be able to if the leasing company clears the lien on the vehicle.
No. It's very possible that neither the dealer nor Carfax knew of the accident. Events that occurred in some states are not reported to Carfax. I've seen this occur before. Laws vary from country to country, state to state and I know that in Georgia you have an option to return a vehicle purchased if done so in the first three days since the purchase. Check with the state in which you live and purchased the vehicle and see what they say.
Who is at fault in accident while performing a 3-point turn?
That's hardly enough information, but making a three point turn is a very dangerous action.
Can you drive car without insurance?
Yes, if you have a drivers learners/ permit you do not need to be on insurance in Georgia, Tennessee, Alabama, Florida, South Carolina, And North Carolina. But, you need to be driving with a 21+ year old in the passenger seat.
Is a Toyota Celica considered a sports car to Insurance companies?
No car is really considered a sports car. ISO determines the rating symbol for most companies.
Who is at fault if someone hits another car in a parking lot in Texas?
It really depends on the circumstances, I would contact your claims department for more information.
Generally an 18 year old is an adult and it his their responsibility to carry insurance on his own vehicle.
No
Additional: The description of "kissing" a bumper and leaving a "scratch" are pretty much in the eye of the beholder. The owner of the struck vehicle may have quite a different veiw of the extent of the damage.
In years past bumpers were made of steel and, in fact, meant for just that purpose - minor bumps. However on modern vehicles what we now call "bumpers" are really nothing more than plastic or fiberglass housings that cover the air-bag sensors. If one of these 'covers' is damaged it can cost upwards of hundreds to replace or repair. Your best policy woiuld be to exchange information with the other owner, or leave a note on the car telling them of the bump. Remember - even if the owner wasn't there at the time - you NEVER know who might have seen you do it!
What kind of auto insurance do you need to just cover the other vehicle in case of an accident?
So I'm assuming you don't want coverage for damage to your vehicle if it were in an accident. Then your probably just going to need Property Liability & Property Damage Coverage. You wouldn't need to carry comprehensive or collision coverage.
I'm from Michigan and we are a NO Fault Insurance state. So in my state most people call it PLPD. In Michigan, this is going to give you liability damage and property damage but no coverage for your vehicle itself.
Usually states have minimum coverage that is mandatory. In Michigan, the state minimum is is 20,000 Bodily Injury per Person / 40,000 Bodily Injury Per Occurrence and 10,000 Property Damage. The Bodily Injury covers injuries to the other party and the Property Damage covers the damage to the other person's vehicle. You also are required to have PIP coverage in Michigan, which is Personal Injury Protection which is unlimited. This coverage is your "Medical" coverage.
Hope that helps...
