Auto Insurance

Gap insurance is not the name of a company, it is a type of auto insurance related to leasing vehicles.

My experience with them they are overpriced. I found cheaper rates and better coverage with State Farm

how long does it take for an insurance company to pay a loss wage claim

Depending on the State, the motor vehicle authorities may suspend the license and registration of the at fault driver. However, this usually first requires that the at fault driver be found guilty of a moving violation and that damages exceed a stated, statutory amount. The suspension usually lasts for a limited period of time, and the driver can regain his/her license and tags by posting a bond with the motor vehicle authorities. The bond often gets returned if the authorities do not get notice within a requisite period of time that suit has been filed. The matter will proceed either to a default judgment, or, if the adverse party contests liability or damages, to trial.

If the innocent driver has insurance, he/she may make a claim against his/her insurer, under the "uninsured or underinsured motorists coverage (UI/UM)". That insurer will, in the course of things, pay the claim, and thereby "inherits" the right of action of its insured to the extent of its payment. That process is called "subrogation". The insurer may file suit against the adverse driver to recover its payment. That insurer has no greater rights against the adverse party than its insured did, and any negligence attributable to the insured will be attributed to the insurer. Therefore, the insurer may not recover 100% of its payment.

Once a judgment is entered, the license and tags of the at fault party may be suspended until the judgment is paid. That person will generally be required to maintain a special kind of higher-risk liability insurer for a number of years thereafter in order to get/keep his/her license.

Truck insurance generally costs more than insurance on a regular passenger car.....

if both policies were alike in coverage amounts.

well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a person with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage.

No but if you're stopped by the police and they ask to see it, you will be required to take it to a police station (of your choice) within 5 or 7 days.

Collision insurance will cover the damages to your vehicle- no matter who is at fault.

Uninsured coverage is used if the other vehicle is at fault for the accident and you and/or anyone in your car is injured. This coverage will typically pay for related medical bills, loss wages, and general damages (i.e pain and suffering).

Liability = Other vehicle damage

Injuries to driver/passenger in other vehicle

Injuries to passengers in your vehicle if you are at fault

Collision/Comprehensive = Cover damages to your car

Uninsured/Under-insured = Injuries to you or your passengers when another vehicle is at fault and does not have insurance or has minimum coverage

Type of Work

(A+)

The gate crasher! Gate crashing a party does not place the party's host in control of someone's actions; the gatecrasher does not surrender their free will and ability to act of their own volition when they choose to turn up at a party.

You might want to be careful here. Some states have steep fines and worse for someone that drives without insurance.

This is very rare because an auto policy and a motorcycle policy are two different policies. I cannot think of any company that will put a car and motorcycle on the same policy. They may issue separate policies and bill them together on a list billing like some do with an auto and homeowners policy but I have never seen a motorcycle on a automobile policy.

You're an a-hole. GET SOME INSURANCE!

Sorry, you will be out of luck with your insurance company unless you have uninsured motorist property damage coverage on your policy. They only way you can recover is to take the person to court and get a judgement.

Insurance requirements vary from state to state. Most states require you to at least have PIP (Personal Injury Protection) and PDL (Property Damage Liability.) If you search online for auto insurance requirements along with your states name, you should be able to find something with a listing. Your state's Department of Highway Safety and Motor Vehicles is a good place to start.

Yes, but he/she should not drive the car until after his/her name has been added in the event your insurer requires it.

If he lives with you and your insurance company requires you to list all household drivers, the 19 yr old should already be on your policy. Even though he/she has not previously had a car purchased for them, they have access to your keys and your cars in the event of an emergency insofar as the insurance industry sees it.

As long as there is no other driver, you are technically at fault. However, some policies contain accident forgiveness clauses if its your first, or clauses that consider damage to your vehicle, you and your passengers would have been worse if you had not taken action to avoid the deer. If damage is worse because you swerved to avoid the deer, this argument will not work. Unfortunately, there is no Humanity clause in insurance policies that gives you a break for saving the life of an animal. However, your agent and adjuster may be as kind to you as possible, perhaps forgiving the accident so that it does not impact your renewal premium. It doesn't hurt to ask. or you can say the deer ran into the road, if it seemed like that to you.

When you plan to sell your car you should notify your insurance company of the pending sale. It will provide you with instructions on how to transfer title properly, surrender the plates and cancel the insurance if you aren't transferring the coverage to a new car. Generally, the insurance company won't cancel the insurance until the plates are turned in or transferred to another vehicle through the RMV. That means the company will continue to bill you until the transaction is properly completed.


If the insurance was paid for and the policy is cancelled during the coverage year the company will issue a refund based on their own calculations.

depends on if you are a safe driver and has no driving or any other violations, or a naughty driver where your car has been repossed or what.

No, the only vehicles they would cover are vehicles use to service a home and designed to assist the disables.

depends on whether or not the car is parked well. if the car is parked properly, in the right spot then it should be the car that hit it that is at fault.

It can up your insurance if you are in the fault. If not it shouldn't cause your insurance to go up.

what you can do is to not panic and watch if anyone saw the accident. wait for a while cause you don't know if you fractured a bone or you are seriously hurt. call 911 or get someone else to help you.

new jersey

not if you havent put in a claim for it.