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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

Where can out of state drivers unable to drive send Florida 150.00 first time reinstatement fee and a copy of current proof of insurance for suspended license due to expired insurance?

Include a reinstatement M.O. fee of $150.00 payable to :

Florida DDL (Division of Driver's License)

(with Florida Driver's License Number on Money Order).

Also include a copy of current proof of insurance.

Mail to: BFR

PO Box 5775

Tallahassee, Fl 32314

Sorry: Mail Process takes 7-10 days to reinstate license.

How does comprehensive policy differ from fire policy?

There is no such thing as a comprehensive homeowners policy. What you are probably thinking of is a HO policy or Homeowners policy. Their are 2 common policy's sold that are homeowners. One is an HO-3 and the other is an HO-5. These policy's provide a wide range of coverages compared to just a DP-1 or DP-3 policy. DP is a dwelling fire policy. This provides just very basic perils on a policy. Pretty much it just covers wind, fire, weather, and a few other basic things.

Mark

Owner of Denvers Insurance

How much is a ticket for no proof of insurance in Alberta?

Well in Colorado, its a 500 dollar fine, they also might impound your car. On top of that, they make you get sr-22 insurance. So its going to be very expensive. These days its cheaper to have insurance, because if you get caught with out, it ends up being more expensive after court fines, impound lot fess, and your sr-22 insurance fees.

Do all cars insured on same policy have to be registered at same address?

No it not be but for your confirmation you have to visit this site http://www.insurance-info.page.tl

Is it illegal to own a car and not register it?

If you drive it on the street or park it on the street, yes. I has to be registered.

How much is a car insurance?

Car insurance can cost of 1000's of pounds.

This is a very subjective question. It depends on your age, how long you have been driving, the make of your car, engine size, cars age, and also if you have points on your license. All of these have an impact on the price of your car insurance.

Does Jesus save on car insurance?

Jesus is in my 1st period class! He is going by the alias Brandon and appears to be 15 but he can't hide the fact that he walked on water the other day. He also doesn't have a car yet... So no.

What happens when giving false address information to auto insurance?

Fraud. You must disclose all information that is correct or best to your knowledge at the time of inception of insurance. If you gave false info to the company to get a batter rate, no only can they deny future claims, but you can be charged with fraud at a felony level.

If a friend uses a insured car and he totals it will progressive insurance cover the damages?

As long as the friend is not excluded on the policy, and you have collision coverage on the vehicle and policy, then most likely yes..

What if the insurance company does not want to pay me what my car is worth?

Read your insurance policy. Most insurers will state that if you do not agree with a car's appraised value, you have the right to hire a vehicle appraiser, at your own expense, to value your car. You can then send a counter offer back to the insurer. If that doesn't work they will either ask you to do arbitration or go to court.

If I don't have a license and I at fault in an accident?

States will difer, however, you can be cited for not having a license (obviously), but just because you were not licensed does not automatically make you at fault in an accident. For example if you were sitting still at a red light and rear ended, driving through a green light at intersection and someone runs a red light and hits you, or a drunk driver hits you head on, in your lane-NO, you are not at fault, you just need a good attorney. Good Luck

How can you cancel joint policy?

In most states you can not just cancel a joint policy if the people all live in the same house. Example, husband has bad driving record, wife wants to take him off just to save money. She can not do so, because the insurance companies automatically assume no matter what, husband will drive, on the policy or not. One party or the other will have to prove they live elsewhere. Or....one party can get their own insurance, and then go to company 1 and prove coverage from another company, states will vary, so check with your company.

If your car slides into a ditch when you are trying to avoid hitting a dog and there was no damage to any property is that considered an accident in Colorado?

Honestly, not totally sure about your state, but in most...if there is no damage and it happens on private property, then it is not considered an accident.

What can I do if both me and the insurance company can't get into contact with the person at fault of the auto accident.?

Hopefully the Police can provide the info, if not hopefully your insurance company can.

You may end up filing a lawsuit, with all the expense, to force the government to release the contact info.

What type of auto insurance do you need?

You must purchase the minimum state liability limits required by law. Anything else is optional.

What is needed to get auto insurance?

You need:

1. Social Security Number (if applicable)

2. Driving License Number for all drivers that use the vehicle to be insured

3. Credit card/checking amount information.

Additionally you might need to answer questions about yourself that help your Insurance Company work out your risk factor and decide upon your premium accordingly. These questions typically include info on:

1. Violations or Incidents

2. Drivers/Household Residents

3. Coverage Selection

4. Account Setup

You have no collision coverage and was hit by another car what can you do?

Collision coverage covers accidents you are at fault for. Their insurance should pay for any damages to your vehicle.

If a car hit me from the back who suppose pay for damages for your car?

95% of the time, if a person hits you from the back its their fault. So their insurance company will have to pay for their damages to your vehicle and body.

What is the time frame to report an accident in the state of California?

Most insurance companies require a report within 30 to 60 days. However, it is best to report ASAP as the longer you wait the company may get suspicious and take longer to process your claim.

What does waiver of collision deductible coverage in California for uninsured motorists coverage?

The California Collision Deductible Waiver (CDW) is coverage which waives your collision deductible if you are hit by a negligent uninsured motorist.

The CDW option with a personal auto insurance policy in California pays your collision deductible when you carry collision coverage on a vehicle that is damaged by an uninsured or hit-and-run motorist who is at fault. Coverage typically applies only when there is actual physical contact and when you can identify the uninsured driver or vehicle.

Some insurance companies will not even talk about the coverage even if it is included in your policy until you bring it to their attention.