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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

Cash out on a car insurance claim. the check is a 2 party check with the lienholder?

I did! Take it to the bank. If they cash it, good! If not too bad. The worst they can do is say no!!

Do you have to declare an accident that was not your fault?

Try gathering enough proof and choose the right words, and declare why it was not your fault.

Does health insurance cover you in a DUI accident if its your fault?

It depends on what type of insurance policy you have. Some states have the "no-fault" insurance policies wherein the insured party may be compensated regardless of who is at fault in the accident.

Is an insured driver covered in an uninsured vehicle?

No direct answer, as this all depends of the level of cover of the insured driver.

How much is the average Car Insurance per month?

£50. I recommend you this site where you can compare quotes from different companies: mycheapinsurance.net

Brother loans sister car. they do not live in same household. sister has accident should insurance cover other vehicle?

Should who's insurance cover who's car??? The Brother who owns the car will have to file the claim with his insurance policy. Insurance follows the car, not the driver. If you didn't have the Sister listed on the policy as a driver the company can deny the claim for material misrepresentation. Then you will have to pay the claim yourself.

Want to find out someones car insurance carrier?

You cannot find out someone else's auto carrier. You cannot find out their Dentist either if you wondered. Privacy laws prohibit anyone from revealing this information to you. If they had an accident with you their carrier will be listed on the accident report. Otherwise, ask them.

What insurance company has the 3 digit code 100?

Geico indemnity company

750 woodbury road

woodbury, ny 11797

tele: 1-800-841-3000

If the car that you drive is insured but belongs to another person do you have to get insurance to drive it?

Answer

Yes, unless you want to be sued by the other person if something happens.

Answer

If this is your primary vehicle, then you must be included in the insurance policy.

Answer

You should check with your insurance company. You may have some personal liability. The answer depends on many factors:

  • state laws
  • whether you live with the owner
  • whether any accident is your fault or you were negligent
  • whether you have permission or were using the car at the owner's request
  • whether the car was taken without permission
  • whether the car was being used only for the reason permission was given
  • etc.

Will my insurance go up if someone is driving my car without a license?

They wouldn't know someone was driving your car without a license so it would go up. However, if they have a wreck in your car the insurance company will most likely not cover the accident because the person didn't have a license.

Average cost for 50 year old motorcycle insurance?

It depends on several different factors. Where you live, age, marital status, experience, coverages desired, driving record, accidents, type of bike, motor size, claims, and many more. Minimum liability where I live is only about $40 a year for liability only for a cruiser type with a clean record.

If your already salvaged car is in another accident that is the other persons fault does his insurance company pay anything?

Why are you driving a salvaged car. If the car has any value they may pay something. If they damaged something that wasn't already damaged, they might pay something. You may end up having some fault for driving an unsafe vehicle as well if it was salvaged vehicle that was not repaired.

Do you have to pay to fix the other car if no one was at fault in accident there is a police report but no ticket was given?

Someone was at fault if their was an accident. Just because you didn't get a ticket, doesn't mean that the Police Officer didn't cite one driver for the accident. The codes tell who is at fault. Police have become way to cautious about issuing tickets in accident situations because they don't want to be called to court in these situations. The codes on the accident report tell who is at fault.

I bought a new car on a Saturday and my insurance company was closed so I couldn't transfer my current policy or notify them of the purchase but I was still able to drive it home am I at risk repo?

Usually the dealership will not let you off the lot without confirming coverage. As long as you call them Monday and get it changed it will be fine, just don't drive until you talk to them. Many companies offer immediate coverage for new purchases but many do not. If you had full coverage on the vehicle you traded in, then coverage probably transferred automatically but without reading your policy you don't know. Say you had liability on the car traded and drove off in a new car that was financed. You should always be careful. I always recommend that you talk with your agent before buying a new car so you know the cost of insurance as well.

What happens if you have no driving license and you were in an car accident and it wasn't your fault?

Why were you driving without a license? You will be prosecuted for the violation but it has nothing to with fault. If the other party was at fault their insurance is responsible for damages to your car. You will never get your license back. Habitual gets you jail time.

What if your licensed son living elsewhere with your permission drove your car and got into an accident. Must he be added to my policy?

If he is on your policy then you'll be fine, but even then sometimes they will be able to find some clause in the fine print to wipe their hands of it. check your cover

What is considered a high performance car?

Depends on the power to weight ratio, but typically if its over 350 horsepower it probably can be called "high performance".

What if your cleaning lady spilled bleach in the middle of your living room floor She has no insurance and it is going to cost about 2500.00 to replace the carpet Does insurance cover this?

Your home insurance should cover that, but you would be subject to your deductible.

If you can get her to agree to pay the deductible, it will cost you nothing, but you may experience a rate increase in the future.

Of course, trying to get the cleaning lady to pay for the loss out of her own pocket would be best, but may be very hard to collect.

Lastly, small claims court is an option, but even if you are awarded a judgment, it does not guarantee that you will get your money back.

What do I do if I rear ended someone and didn't have car insurance?

A number of things may occur in this situation. First off, you can offer to pay for the damage and injuries out of your own pocket. Keep in mind that even if you do this, the party that you hit may continue to come back for more compensation (medical payments, loss of income, pain and suffering, etc.)

Hopefully the party you hit has uninsured motorist coverage. If so, the damage and injuries may be covered. However, even if the insurance company of the party that you hit pays, they may still come back to collect from you. This is called subrogation, and they have a right to garnish your wages, put a lien on your property, etc.

You should also be ready for repercussions from the Department of Motor Vehicles. They may require insurance in the future and/or charge a fine for being uninsured.

Does the title of the car have to be in the same name as the car insurance?

If the car is in your friends name and you are the one buying the insurance it's not a big problem. Just make sure you insure both you and the owner of the vehicle. The owners name must appear as a named insured for property loss purposes otherwise the policy is null and void and no property loss payment could be made.

AnswerThe insurance must be in the same name as the person who owns the vehicle. An insurance policy and application together make up a legal contract. If you insure a vehicle that you do not own and have a claim the insurance company cannot pay you for damages because it is not your car, and they cannot pay the owner of the vehicle because they have no contract of insurance with them. By lying on the application, you have also committed material misrepresentation and insurance fraud and thus the insurance contract is therefore null and void.

Does your liability insurance cover medical for a person if you were not driving?

Your liability insurance does not cover medical expenses in your vehicle no matter who is driving. Depending on your state and the regulations there, this could vary somewhat. Liability is coverage for the party and passengers in a vehicle that you hit if you are at fault. If you are talking about a person in the other car then yes, but if you mean a person in your car the answer is no. You need to purchase "Medical Payments" or PIP coverage to provide medical coverage fro those in your car.

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