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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
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Whose name does car insurance have to be in?
The auto policy needs to be in the name of the person who owns the vehicle with few exceptions. The exceptions deal with a family situation who live in the same household. Vehicles titled to a husband or wife can be insured on a policy in the others name if they are legally married. Also children such as a 19 year old child who owns a car can have it insured on his parents policy if he still lives in the household and is listed as a driver on the policy.
Can you cancel car insurance during a divorce?
More than likely, you can't if somebody still wants to operate the vehicle. However, if one or more people are no longer operating the vehicle, the owner will need to contact the insurance company in order to get a new policy (and probably a lower rate).
The laws on auto insurance vary by state.
Most states require the owner of an automobile to carry certain minimums of insurance on each driver who operates the vehicle. Generally, if insurance is canceled, the owner must forfeit the license plates.
Why does your car insurance rate go up if your credit score goes down?
Judging from your question I presume you are Canadian, and although this situation might occur in other Countries, I will answer it as a Canadian.
In Canada, automobile insurance companies can use anyreason, or no reason at all, to increase your insurance premiums; there are no regulations regarding the stories these businesses can fabricate to justify the increase, even though the "justification" sometimes contradicts their own published literature. In Canada, automobile insurers are given carte blanche to rob anyone they choose - and each insurer seems to choose a different victim.
You, of course, can, and should, shop your insurance with the greatest of diligence.
What is a limited lines insurance agent?
The Automobile Insurance Agent is authorized to transact automobile insurance of the following
types only as defined in Section 660, which consists of the following:
private passenger or station wagon-type motor vehicles (with certain limitations);
four-wheel motor vehicles within a load capacity of 1,500 pounds or less (with certain
limitations); and,
motorcycles.
You bumped a car in a private parking lot and left should you try to contact the person you hit?
Yes indeed. Face up to your responsibility.
What does auto collision insurance mean?
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.
How old do you have to be to stay on your parent's car insurance?
It depends on the insurance company and possibly the policy. You have to check up on your specific one. For example, some policy cover children until they are 18, others till age 25 as long as they live in the same household.
What is a writer on an auto insurance policy?
Auto insurance companies hire insurance underwriters, who can also be referred to as writers, to underwrite the risk a driver poses to the company. Underwriters determine how much a policyholder will pay for their insurance rates based on how much risk they carry. If a driver has tickets and accidents, an underwrite will rate them accordingly. Underwriters are very important in insurance because they make sure that policyholders pay the correct rates to prevent the insurance company from going bankrupt.
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Hit by a driver with no licsense but you have no insurance?
The answer would vary depending on the state you live in, local state insurance regulations vary from state to state. In most states, you cannot get a driver's license unless you have at least liability insurance.
What is Travelers insurance mission statement?
From personal experience, their motto is "SC**W the claimant".
Driving a car off the lot with no drivers license or insurance?
no it is against the law for an unlicensed and uninsured driver to purchase and drive a car off the dealer's lot. The dealer will be held accountable, if this person has or causes an accident that takes someone's life.
You should create a contract between yourself and the repair facility. If the owner of the company agrees to the contract, then yes, if not... the outcome may vary from state to state if you do not pay.
There is also a contract existing here between you and your insurers. If the payment is issued to the repairer you might have some difficulty with the insurance company, so check with them.
How does motorcycle insurance compare to car insurance?
The amount of property damage / bodily injury that can be caused to others by the negligent operator (where liability coverage will kick in) is much lighter in case of motorcycles than a car, hence liability insurance for motorcycle is much cheaper.
The risk of physical damage in the even of collision is much higher for motorcycles (Small crash can easily cause a total loss.) Also comprehensive losses (example: theft) is much greater for motorcycles, hence cost of comp and collision in motorcycles is much higher, assuming other things (values, drivers, locations etc.) are the same.
Insurance cost new motorcycle?
You cannot estimate premiums in a forum like this. There are far too many factors that go into rating insurance. Some of these are State, County, zip code, driver age, vehicle, use of vehicle, driver's record, coverage, and many more. I want to make one recommendation as strongly as possible. Buy a cruiser. "Crotch Rockets" are many times more expensive for insurance than "Cruisers". I have written motorcycle insurance ranging from $30 per year to $4000 per year. I have a Kawasaki Vulcan Classic Cruiser and full coverage insurance is only $160 a year. Independent Agents represent several insurance companies and can shop for the best rates and coverage for you. I represent 4 insurance companies that specialize in motorcycle insurance so call an Independent Agent in your area.
Read more: How_much_does_auto_insurance_cost_for_a_16-year-old_girl
In most cases, your insurance rates will be cheaper if you use the same provider for both homeowners and auto insurance. By proving to your provider that you value their service and are committed to them, they will reward you for being a devoted customer. You should talk to your agent if you are interested in doing this.
What is the cheapest auto insurance in NJ?
Insurance will vary in New Jersey, as rates are partially based on where a person lives. Progressive has competitive pricing as does Electric Insurance. Esurance, Geico and Liberty Mutual are all possibilities as well.
Will homeowners insurance cover claim if no auto insurance?
If the damage happened on the property, maybe. You'll wish to check your policy for coverage, and consult with your insurance agent for specific details.
What is the law for a person who hit a parked car and then hits other cars with no insurance?
First of all, in many states it is illegal to drive without insurance, so that would be a fine right there. Second of all, whether or not they had insurance, they are still liable for the damage they caused. If they can be found, they can be sued for it. Third, if they hit an ran, that is also a crime. It would be pretty fair to expect that if someone got caught for doing what you just described, their license would be suspended or revoked.
Does cigna healthcare have subrogation rights against auto insurance medical payments coverage?
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
Do you need insurance if you ONLY have a driver's license?
No, if you have a car you need insurance but you should have a license because if not you'll get arrested. You also need life insurance and home insurance in case that what you meant
Is the auto covered if the keys are in the vehicle when stolen?
There should be a number on the back of the insurance card you carry in your wallet that has a number to call. You can call that number and ask. You do have a card in your wallet, don't you? It should be on your policy. You do have your policy, don't you? Your agent should be able to give you the name and number of your claims representative. You do know your agent, don't you?
