Auto Insurance

no, but it is recommended. the repo co has insurance and is bonded for this type of situation. you will have to provide proof of repo to your insurance co.

The surcharge is part of the bill and I imagine your policy would get canceled if not paid in full eventually. If it does get canceled you will find it difficult to get insurance through another company and they can ding your credit for non payment but usually that take a few months depending on the company.

I think he is imitating Robert Stack. Remember the show "Unsolved Mysteries"?

Yes, just as long as their credit scores remain in good standing, then it is possible.

You are subject to liability insurance requirements whether or not an accident occurs. An accident has nothing to do with liability requirements. You are required to have liability insurance of at least the minimum required by your state before getting into a vehicle and driving it. Driving is what triggers the law.

Yes. U. S. auto policies allow vacation or business driving into Canada. Keep in mind that this does not mean someone can buy insurance in one place and live in another place. This is called insurance fraud and not only punishable by denial of claims but also by prison and or fines. U. S. auto insurance does not extend such privilege into Mexico. All U.S. auto coverage ends at the Mexican border.

Absolutely, unless you are independently wealthy and don't care if your vehicle is a total loss every once in a while. Uninsured motorist fees are very nominal compared to the alternative.

If you don't have a car you would have no need for auto insurance. The only case to be made is if, due to prior infractions, you are required to keep an active policy in order to maintain your drivers license. In this case you can buy a non-owners auto policy.

No, you can't. When you made you claim under your auto policy for damages done by another party, you signed your subrogation rights over to your insurance company. This is what allows them to recover costs that they paid to fix your car. This is done to assist you in getting your car fixed quickly. You have given your rights to sue the other party to your insurance company. They will get the funds paid back from the other parties insurance or from them directly if he didn't have insurance. You could not sue anyway as you no longer have an economic loss since the car has been fixed; the court would see you as being put back right.

Do you mean drivers license suspension? If so, it depends on the insurance company. It used to be that non-moving violations didn't count on your insurance rating but in the past few years they have starting allotting points for items like this.

The person backing out. If you were in the lane/road behind them they needed to use caution when backing out.

The premium depends upon various factors, including:

1. The make and model of the vehicle

2. Primary driver's age and driving record

3. Location of where the vehicle is principally garaged

4. Policy limits and types of coverage selected or required (some are required and some are optional)

5. Annual miles driven

6. Whether vehicle is primarily for personal or commercial use

7. In those states where it is permitted, sometimes credit score is a factor

In the UK it would depend on the insurance company's policy. Get several quotes, explain what you need.

The fact that they were a police officer has little to do with the accident unless they had their lights on and were responding to a call. Otherwise, fault will pay for damages. That's all.

You can call the 800 number that is on the back of your insurance card and speak to the customer service person on the phone. They may make you sign a cancellation request or perhaps they can take a recorded statement in lieu of this.

It is very doubtful that the insurance company will even notice the inspection sticker being out. It should have no impact on your claim. The only issue is if the wreck was caused by lack of maintenance and if the inspection would have caught this issue. This may prove you knew about the issue and did not correct it. A normal wreck shouldn't be impacted by the sticker issue.

Yes. The terms of your insurance policy are not relevant if the other party is at fault.

The amount is "Zero" that company will not accept a 16 year old driver

Yes. Many states have laws that require a witness to an accident (which you would be) to also stop.

Each could be ticketed. The driver for no insurance, and the owner for allowing unlawful operation.

In the UK both are equally responsible for 'using a motor vehicle on a road without insurance' and both will be prosecuted.

This is why you want to have uninsured motorists coverage on your policy. UM will act the same as if the other party had coverage with the exception of a small deductible for property damage. In some states your physical damage may also take care of the vehicle though then it will count against you on your policy. UM is a far better coverage to have in this situation.

Depends on the policy.

Yes, insurance can refuse to take your car when they claim a total loss on it. They would just have to take it to a junkyard from there anyway.

If you are planning to get an affordable car insurance and avoiding to pay a broker, i recommend you visit the site below and get free car insurance quotes. The site will pull up comparable premiums between different insurance companies and show you the best quote.

http://www.goodinsurancepolicy.com

Depending on what state you are in you can file for title based on abandoned vehicle laws,but in West Virginia you can only re-title if your a state trooper or a auto repair business owner