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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.

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[First Auto Insurance page]

When an employee is in an auto accident during business hours and the other driver decides to file a lawsuit for damages who is liable the employee or employer?

If the employee was in a company vehicle, on company business, then the other driver would suit the company. But it also depends...

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Does your personal auto insurance covers an accident while running errands in your personal car for your employer?

Yes.

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How long does a DUI stay on your Pennsylvania driving record?

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If you do not declare endorsements on your UK license does this invalidate your insurance if you have an accident?

Contact the party that issued the insurance policy for this answer.

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What is an assigned risk policy in regards to auto insurance?

If you need one of these it is for two reasons. 1 your state requires you to have auto insurance 2 you can�t get auto...

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Is sales tax owed on leased vehicle declared a total loss in Texas?

Sales tax is applied at the point of sale when you make your purchase. They have nothing to do with a loss that occurs at a later...

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What is the minimum amount of liability insurance coverage required for small businesses in the state of Florida?

If you are speaking of non-auto liability insurance for your business, the state imposes no requirements. That said, if you lease...

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How do you sign up auto insurance in Amica?

Auto insurance in the US is 100% private enterprise. You must contact a private company to purchase the insurance. Payments are...

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What if your car rental insurance coverage does not cover large SUVs is a passive voice example?

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Can you insure a friend's vehicle so he can register it for plates if you will be the primary driver?

NO. The insurance policy has to be in the name of the titled owner.

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If you fail to send your premium for auto insurance renewal is there a grace period in the state of Florida?

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If you place your son on a 'named driver exclusion' he will not be covered but is it still legal for him to drive?

If your son has a valid drivers license , he can legally drive your vehicle. But- he will not be covered by your auto insurance...

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Instead of buying auto insurance can an individual legally be self insured for their vehicles and if so how do you do that?

It depends on the state you reside in. If permitted you would need to be bonded by having a certain amount of money "locked" in...

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If the business vehicle has commercial coverage if any occupants are injured during an accident are they covered under the auto policy?

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If neither of your parents have licenses and you are 16 can you or how do you get an insurance policy in MN?

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In Louisiana if there is a lapse in car insurance will there be an extra charge when you renew your vehicle registration?

Im not sure when the fines is due. Depending on how long the lapse is, determines the fine. 0-10 days = $0 11-30 days = $50.00...

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How do you get a commercial auto insurance after being issued a DUI the original insurer dropped driver?

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How long can you wait before filing an auto claim after an accident in Texas?

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Can auto insurance be purchased for months that have already passed to avoid paying lienholder more money?

AnswerNo, the lienholder usually forces insurance on you car and you are liable for the premium. When you purchase your own...

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Does your son who attends an out of state college and lives in that state have to be carried on your insurance policy if he borrows a friends car?

if hes not i wouldn't suggest letting him drive the car

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If you been caught doing 79mph in a 25mph zone on a 4 wheeler will your car insurance be affected?

Of course. Did you think that because it was a off road vehicle that you wouldn't be charged and convicted for such a stupid...

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What would it cost monthly for a 16 year old with a clean driving record to insure a turbo car?

Alot think about what your parents pay then triple it

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Any statistics on how many life insurance claims are disputed by family members and does the beneficiary dictate payment?

Yes the beneficiary on file gets the payment

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Can a person drive your car who is not on your insurance?

Yes.

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If the main frame of a 2002 Ford Mustang was bent in an auto accident can it be repaired?

That's a matter of debate. First, depends on location of frame bend. Second, depends on degree of bend, third depends on if the...

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If you park your car with a valet and it is carjacked who is liable?

This is how lawyers make their money.

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If the insured cancels their own auto insurance policy how is the return premium calculated and is there a penalty?

If you cancel your policy is will probably be short-rated which means you will be penalized for canceling. There are published...

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What is the best coverage to buy for an older vehicle?

Depends on several factors. Just how old are you talking? Is the vehicle worth anything? It may be eligible for a collector...

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After an accident do you have to use your insurance check or can you opt to live with the damage and spend the money elsewhere?

The simple answer to this is yes you can keep the check and spend it on something else. Unless there is a loan on the car. ...

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When you backed out your car from garrage you hit and the back door has to be replaced If you claim insuarance does the premium goes high if so can you claim as hit run Are any other tips please?

If you don't want your insurance to go up, don't report it, just fix it yourself and acknowledge that you made a mistake....

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Is your US insurance good in Canada if you are a student there?

Yes it is, you just have to get a Canada Insurance Card from your insurance company. Polcies do not cover Mexico.

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Will auto insurance rates rise because of a 5 over speeding ticket in Michigan?

Most likely it won't, especially if you are over the magic age of 25.

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Can you get the title to a vehicle that you payed off over 10 years ago but still had a balance due for forced insurance and now the bank no longer exists?

check with the DmV they would better be able to help you.

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Do insurance companies have a time limit when investigating an auto accident?

Depending on where you are (I can only speak for the U.S.), there may be no restriction on how long insurance has to act on a...

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Do you need to have proof of insurance with you while driving in Florida?

I could be wrong but I think that Mass. is the only state that doesn't issue ID cards on it's insurance policies to that probably...

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Do auto insurance rates go down when you reach 21 years of age?

Yes, they should unless you live in MA.

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If you hit something on the side of the road and do more than a little damage to the vehicle what type of coverage does this fall under?

unless your insurance is fully comp u have no claim because the accident was your fault

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Can your brother insure your car?

Typically no, you usually have to have insurable interest in the vehicle to insure it. But he can pay the premiums. Or are...

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Can you be ticketed in New Jersey for not having your insurance card in the car?

If you had insurance at the time of the citation and take proof of insuranc to the judge, he will USUALLY dismiss the ticket....

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Why do insurance company ask for Declaration Page from your past insurance company?

The new insurance company is asking for proof of prior insurance coverage. Some insurance companys have what they call a "proof...

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What do you do when the at-fault vehicle's insurance will not pay you for your totaled vehicle because the insurance company has already paid for other vehicles damaged in an accident?

Based on your question, I'm guessing that their policyholder simply didn't have enough coverage to pay for all the damage to all...

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How does a couple that has one car each insure their cars and can they still drive each other's cars during visits when they live in separate states?

Just get insured with one of the bigger companies, like Allstate, Farmers, Progressive, Geico. As long as you are both listed,...

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Is a towing company liable for damage to an automobile that is too low and modified to be lifted if they lifted it anyway?

AnswerIf you can demonstrate that the tow company used the wrong tow equipment or attached in incorrectly, then the two company...

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If someone is in graduate school in Michigan but claims her residence as Ohio and pays state tax in Ohio and her car is registered in Ohio can she buy auto insurance using her Ohio address?

why do you want to know this???????? Yes, if your residence is listed as Ohio and your car is registered in Ohio, you can buy...

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Do car dealers carry auto insurance?

Here are several answers and opinions from FAQ Farmers: No, it is up to you to obtain your own auto insurance policy. They...

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Can you decline Personal Injury Protection Insurance in New Jersey if your health insurance company pays medical expenses from an auto accident?

Call and ask your agent

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How to become agent in reliance general insurance?

You will have to contact the company. If you are appropriately licensed you can ask them if they are accepting agent appointments...

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What is the average cost for liability insurance for automobiles?

With the lowest limits possible, (15000/person, 30,000/accident, 5,000/property damage, on average)it should run from 40-60...

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Will insurers consider your no claims bonus from UK and Australia when looking for car insurance in OntarioCanada?

Insurers will typically do not take into account a foreign driving record. As a newly licensed driver in Canada you will be rated...

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How do you paint abs plastic?

lacquer type paint. improve adhesive/durability by lightly sanding with 250/300grit.

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Can a auto accident cause a stroke?

The predisposition for having a stroke may already be there, however the auto accident could possibly trigger it. This is just a...

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Would i be able to insure my girlfriend's car?

You can insure anyone living with you's vehicle, but I'm not sure about if you don't live together.

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How often do you get new license plates?

You are eligible every 7 years .

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Insurance free check to see if car is insured?

www.askmid.com

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How many points does insurance count for suspended drivers license and how long does it stay on record with insurance company in Arizona?

A suspension of the drivers license will be visible for 5 years on your driving record and doesn't show up as any points.

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What are the recommended levels of liability coverage for a driver in Washington state?

Minimum limits are 25/50/10 but you should really consider 100/300/100 or higher.

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If you are on a policy but your license is suspended are you still covered if you were in an accident?

Maybe, but you are really pressing your luck. Don't drive without a vailid driver's license, it's against the law! No,...

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Does your son have to be covered on all vehicles if he will never drive them?

First realize that the insurance regulations are different from state to state and from company to company. We live in Texas...

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How long does an auto accident stay on your auto insurance?

It depends, your best bet is to pay the money and get a lawyer at this point. No one wants to pay for damages anymore even if it...

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Will an insurance company insure a person who has a suspended license?

It's not likely due to the fact that the company would consider the person a high risk. In most states it would not be legal to...

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If you buy a car in another state can the previous owner cancel their insurance before you get home or do you need to register the car in both states?

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Is your vehicle covered by insurance if it was vandalized by someone you know and you did not file a police report?

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Is there any fees or downpayments that have to made on car insurance besides the first month's payment when first insuring an automobile?

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If an uninsured driver with permission from an insured car's owner gets into an accident will insurance cover the other vehicle's damage in Texas?

InsuranceSo long as That driver was not excluded from coverage, then Yes, that driver would be covered under a standard Texas...

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When you damage your vehicle accidentally does full coverage pay for it?

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Which states have laws that waive the insurance deductible for replacing a windshield?

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How can you find out who insured your car in 1994?

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Can you purchase an auto insurance policy for a car that you do not own?

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Can you get an auto insurance policy if your license is suspended?

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If you get a no seat belt ticket in NY State does it raise your auto insurance?

I received a speeding ticket that I talked the trooper down to writing me for a seatbelt violation. My insurance did not go up...

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If you drive your parents car but you don't live with them and you get in an accident will their insurance cover you?

Sometimes. Sometimes insurance covers whoever is driving a particular car, and sometimes insurance covers a driver no matter...

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If your 16 year old son has an auto accident and the vehicle is in his name and the insurance is in his name can you be sued?

Yes, he is still a minor and as such you may be held liable for his actions.

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Your daughter broke her jaw has a scar on her chin and some muscle damage on her chin the auto accident is paying for pain and suffering how much should you expect She also had braces on at the time?

You should expect around about $40,000, cost, and $50,000 compansation

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Who's insurance covers you if you drive a friend's car but only have a learner's permit and your parent's and the friend are insured?

Usually the insurance on the car covers any permitted driver unless that driver is excluded in writing.

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If you are injured in an auto accident will you have to sue to recover pain and suffering damages?

State laws on the recovery of damages for pain and suffering vary greatly. In lieu of a lawsuit, I recommend mediation (I happen...

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If you get a learners permit will your parents insurance go up?

Yes, the premium will increase as you must be included as a driver in their policy. I disagree. It depends on the...

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Do you have to have insurance if you have a learners permit in Texas?

You must have insurance to operate a motor vehicle. Either the Learner can obtain Liability Insurance or The Owner of the vehicle...

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If you are visiting the US from out of the country and want to buy a car to travel around in can you insure it in America?

Yes, insurance is usually available for just about every situation.

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In California if you do not have auto insurance and you are involved in an accident that is not your fault does the insured at fault have to pay your medical and or pain and suffering?

California law restricts owners and operators of motor vehicles injured in a motor vehicle accident from recovering compensation...

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If a car is registered and insured in a new residence state can the car still be insured and registered in the old state just in case you move back?

not in any state or thru any insurance company I know of.

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What is the average price of car insurance for various companies in Pennsylvania?

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If you move temporarily for school do you have to inform your insurance of your new address?

Probably not but make sure that you are getting your mail and bills so that you don't miss something important.

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Can you get a car in your name at 17?

Doubtful. Car titles are legally binding documents and people under 18 can't usually enter into any type of binding agreement.

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Can you sue for a city bus hitting a car?

Anyone can sue any one they want. But bear in mind that these days if you sue and lose you can be held responsible for the other...

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For what reasons can an auto insurance company deny a claim?

AnswerAn auto insurance company can deny your claim if you haven't had your license for at least 18 months. or if the car has...

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Can an insurance co charge depreciation on a Hail Comp Claim?

Yes. If they are writing the vehicle off as "totalled", yes. If it's home damage and, for example, they're saying that the...

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Does no-fault insurance have any responsibility for auto repairs?

No-Fault insurance has everything to do with repairs. In the case of fault or not-at-fault, your car is covered, providing you...

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Is it possible to purchase an SR-22 from an auto insurance company without having their insurance on your vehicle?

No, an SR-22 is just a form that the insurance company sends to the state to notify them of the status of your insurance policy....

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Are insurance companies the only ones that can declare a car a total loss?

Yes.

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Can you receive money from an auto insurance claim after you sell the car?

When did you suffer the loss? Did you own the vehicle at the time of the accident that resulted in damage to it? Did you file a...

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Can your car be repossessed if it was in an accident and nearly totaled?

If you weren't making your payments yes. It would only be repossessed if you weren't making your payments.

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Will a speeding ticket in Wyoming affect your auto insurance rates in Colorado?

Call and ask your agent

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What would cause an insurance carrier to drop you in Georgia?

Call and ask your agent

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Will car insurance pay for an injury to a finger from the car door?

Why would you do that? Probably not as most insurance companies will refuse to pay out miniscule damages.

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What happens to an insurance premium when a deductible is lowered?

If a deductible is lowered the premium usually goes up

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Will GAP insurance cover the full amount of a vehicle if the insurance coverage on a vehicle has lapsed and it is totaled?

NO. GAP covers the GAP left (if any) of what someone owes and the current market value of the vehicle should the loan...

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Can you get umbrella insurance with a different company than your personal auto insurance?

yes

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What happens when damages caused by car wreck exceed the insurance coverage for property damages?

Then, you will seek a civil remedy for the remainder--and accept a payment plan--if it was not your fault. However, if your car...

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If a person has a heart attack while driving a car and subsequently dies in an auto accident if death is caused by the accident and not the heart attack will an Accidental Death Insurance policy pay?

If in fact the accident was the cause of death, yes. You would need a death certificate indicating the actual cause of death when...

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Can you fight a speeding ticket clocked by plane?

No. I have never known anyone who won. Those guys are pretty accurate. They clock the car from point A to point B and that is how...

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