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Auto Insurance
Total questions 13400
Can an insurance company reject your claim if the car was running with keys in the ignition when the car was stolen?
Why ask? Insurance companies seem to ask the same questions: Were the keys in the car when it was stolen? Did you ever get...
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Is there such a thing as 'replacement value' auto insurance?
I heard that Metropoliton insurance was starting to offer this. Has any one else heard this?
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Can a registered driver who does not own a vehicle or insurance drive a parents' vehicle and be covered by their insurance should a wreck occur?
Non-owned auto policy If you do not own a vehicle, but have a driver license, you can obtain a non-owned auto policy. Check...
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How much does a non-owners auto insurance policy cost?
Here is an anecdotal answer: This evening I wrote a policy for $100/300-50 liability, $100/300 uninsured motorist annual...
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What happens if you don't have auto insurance?
If they catch you they will usually take away your license. But most people who drive without insurance have no qualms about...
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What do you do if you have auto insurance and you hit a parked car whose driver does not have auto insurance?
Your insurance will have to pay regardless if the other person has insurance or not. You were at fault.
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In what circumstances does your auto insurance cover you and the car if you are driving a friends car?
Car insurance follows the car. Answer If you are using the friend's car temporarily, with permission, as a substitute for...
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Where can a twenty year-old obtain cargo insurance for pulling a trailer?
Cargo Insurance If it is business property like gardening equipment, you can cover it under personal property which is...
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What do you do if you have full auto insurance coverage and your car breaks down and is totalled?
Automobile insurance, in most cases, does not cover mechanical breakdown. If your car is not worth repairing from a mechanical...
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If your auto insurance policy has you and your brother as drivers and your brother is not dependent on you and he has an accident with a car owned by him can you also be dragged into a lawsuit?
Your brother is the only person, in this case, who can be sued. Unless you were in the car and your brother accuses you of...
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If you live in two states can you get your auto insurance in the state with the cheaper premiums without any repercussions?
Popularity: 37 • Tools: Recategorize • Needs Answer
If your spouse who is not the primary insurance carrier makes a change over the phone is there a waiting period before it goes into effect?
Not usually. The majority of insurance companies accept the change valid at the time of the request. Even if it changes the...
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If a college student moves out of state for school and owns a car with his own policy must he get a policy in the new state or can he keep his policy?
The policy that the person already has will stay in effect. They must however notify the insurance carrier of the circumstances....
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Does your daughter have to surrender her drivers license before you can take her off your insurance policy?
No.
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Is there a limited to how far back an insurance company can use moving violations against a potential customer?
Most companies go back three years for moving violations. However, they can go back as far as five to see if there is a pattern...
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If you cancel full coverage on a financed vehicle and transfer it as a gift will the new owner be required to get full coverage on the car?
You cannot transfer the title while the lender has a lien on it and they will NOT release the lien until the loan is paid off. ...
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How much would it cost to add a teen with a learners permit to his parents' insurance?
It will cost nothing, until he/she get the actual license
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How can a parent remove a child from an auto insurance policy after he's turned 18 years old and has moved away from home?
Just call up your insurance company/agent, and tell them that you request his name to be removed from your policy. They will then...
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Can you add a brother who only has his permit to your insurance?
As far as I know, all drivers that live in your home must be listed on your insurance policy. Although i don't think you have...
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If a child drives his parents car which is insured under the parent's name will he be covered?
You will have to add him to your insurance. He will be under your name and your premium will go up! if you don't do this the...
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Can your licensed daughter drive your insured car?
Is your licensed daughter an adult that is living elsewhere? If so then yes. If your daughter is a youthful operator that you...
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Can an 18 year or older driver be covered on a full covered automobile insurance?
Yes, almost anyone can be insured on any vehicle, for a price.
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What liability do you have when your 18-year-old moves out but still drives a car in your name?
The registered owner is ultimatly still responsible for the vehcile. Liability and all. They will still go after the driver of...
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Can a college student buy and register a car in the state where she is attending college and still remain on the parent's policy from another state?
Yes, The insurance of a vehicle has no bearing on where the car is purchase or register.
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Do you need a Pennsylvania drivers licence to get Pennsylvania auto insurance?
no you jsut need to be incognito everybody knows that>.> Answer noo you dont njsut need to be incognito
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How much will insurance premiums go up for a ticket for failing to stop at a red light in North Carolina?
You will have to contact your agent or companies policy services dept for this answer, sorry.
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Can someone be added to another person's insurance policy or be considered as the other driver if they do not have a license?
Popularity: 36 • Tools: Recategorize • Needs Answer
If your license is suspended and your mother buys a new car but does not have a license what is the best way to get insurance on the car?
The best way to get Insurance on the car is to first go Get a Valid Drivers License. Driving on a supended license is illegal....
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If you have money in a savings account just for car emergencies do you still have to pay for car insurance or can you use your money as insurance?
Let's assume that your state of residency does not require you to have insurance (although most of them do). You have an...
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How if possible can one legally avoid car insurance and still be able to drive?
If you reside in a state that requires auto insurance then you can't bypass it. The person could drive other people's cars as...
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If your car has been totaled what are your options while waiting for the other drivers insurance company to handle the situation?
you can go ahead and contact the other drivers insurance company and determine the status of the claim.
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If a driver in the household is not listed on the insurance on a vehicle can they drive that vehicle if they are given permission by the insured?
For New York, I think the answer is yes, *legally*, but a "driver in the household not listed on the insurance" is wrong...
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Can you insure a car if you don't own it but you have the full use of it?
If your name is not on the title, most insurance companies will decline to offer insurance.
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Can one person insure two cars?
One person can insure as many vehicles as he/she can afford.
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If you own two cars do they both have to be insured with the same insurance company?
No, however you would create a real argument should you be injured in someone else's car and tried to look to your carrier for...
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If a truck that has a green Yield For Left Turn suddenly turns in front of you and you hit the truck who is at fault?
it is the truck that terned in frount of you criminal justice student
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In Texas will a DUI show up on a minor's driving record?
Yes Yes, It will. However, Most insurers only apply points or surchages for violation within the last 3 to 5 years. It is...
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Is there a death benefit paid to a survivor when someone is hit and killed by another car?
The surviving family members have the option of filing a wrongful death lawsuit depending upon who was found at fault in such an...
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Who is a logical candidate for Auto Insurance?
Anyone who owns a vehicle.
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What if someone else drove your car caused damage only to your car can you ask him to claim the damage on his insurance?
The car's insurance would kick in first because YOU gave them permission. Their insurance would pay for whatever is left over.
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Should parents insure their eighteen year old kids on their insurance policy or make the kids get their own coverage?
u shove it in the vagina till the sperm comes out and ur dick gets hard agin
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If you live in NYC but your car stays upstate with your parents and is rarely used can it be insured with the upstate address and rate?
Yes you can have an upstate "insurance rating" but Insurance Companies usually ask for proof that the car is there. If you are...
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What is the average cost of an electric bill for a one bedroom apartment?
$60
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How can a non-US resident with a 10-year entry visa get liability insurance in order to buy a car in the US?
As long as you have a residence and a drivers license you should be able to get insurance.
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What companies will insure salvaged title cars?
Many companies will but the policies vary from state to state even with the same insurance company.
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Who pays if you hit your husbands car in your driveway Home owners or auto insurance?
Without a doubt the auto insurance. Homeowner's insurance never covers a private passenger automobile, ever! Answer But read...
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What is full coverage Auto insurance?
I'm an auto insurance agent, so this should help you. Generally, "full coverage" refers to the vehicle having all your states...
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How can you locate a person's insurance company when they refuse to tell you who it is?
if it is regarding an accident call the police they cant refuse to tell them(they probably dont have one if they wont tell you)
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Can you drive your girlfriend's car when you are visiting her in Pennsylvania even if you are living abroad and you do not currently have insurance in the US?
No insurance coverage means "don't drive the car". Answer I would say that if your girlfriend has insurance coverage on the...
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Can you drive a relative's car if they have no insurance but you have full comprehensive insurance on your car?
Generally, the insurance follows the vehicle, not the driver. The only time I am aware that your insurance covers a vehicle,...
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Can husband and wife remain on auto and life insurance policies after the divorce?
As for the life insurance the answer is yes. For the auto the answer is maybe. If the cars are jointly titled then most likely...
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Will an insured drunk driver who hit an uninsured parked vehicle cover the damages?
If you have all of his insurance information and a police report and the stars are in alignment, yes. The insurance company is...
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Can a 15 yr old grandchild with a learners permit who does not live with you drive your car if you are with him without being added to your insurance?
A minor with a learner's permit can only drive with an adult in the vehicle. It can be any adult with a valid driver's license....
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How do you obtain insurance in NJ if your driving privileges in MN were suspended for parking tickets 8 years ago?
Popularity: 35 • Tools: Recategorize • Needs Answer
In FL if you file a comprehensive claim on a financed car when the quote is more than the costs to repair what happens?
Popularity: 35 • Tools: Recategorize • Needs Answer
Is car insurance higher in a wet county compared to a dry county?
Popularity: 35 • Tools: Recategorize • Needs Answer
In the North Carolina do you have to add a spouse with no drivers license to your policy or can you leave him off?
The person would have to have a valid license, and this would be in any state. It would also be unwise to let one drive your...
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If you receive a speeding ticket is it your responsibility to notify the insurance company and if you do not can they deny future claims?
Your insurance company will be notified automatically via these shackles we have around us known as computers.
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If someone who does not have insurance drives your car and gets in an accident is your car still insured for damage to other vehicles and yours?
yes
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If you are a minor in need of car insurance do you have to be under a parent or guardian's insurance plan to drive?
As long as you hold a valid drivers license, you usually can obtain motor vehicle insurance as long as meet the insurance...
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If your car had the driver door window broken and passenger side body keyed is that one claim do you have to pay two deductables?
If the damage was done at the same time, it's one occurrence of Vandalism, covered under the Comprehensive portion of your policy...
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Is there an auto insurance company in NJ that offers temporary insurance?
What you mean by temporary, if its 6 months some companies can insure you, I suggest you to visit this site where you can view...
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If your teenage daughter is getting her driver's permit not her license does she have to be added to your insurace?
no, she dosen't have to untill she gets her lisence.
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Can liability insurance be stacked from daughter's auto policy to parents' when she is a minor and they are still financially responsible for her?
If your daughter has her own auto policy, is driving your car, and is involved in an accident, yes, the liability can be...
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If you are the owner of a car can your parents insure it and put you as secondary driver to save money?
Yes, they can. It might vary by state and insurance company, but if your parents insure it, and put you as a secondary driver,...
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Are drivers with learner licences able to get insurance for driving a van?
Sure they are, they just might have to pay through the nose. There's a handy little van insurance website here...
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If your car stays in another state for vacation use do you insure in the state you live in or the state the car stays in?
Where ever the car is principally garaged.
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Is it possible and legal to obtain full coverage for a car you are driving if your name is not on the title?
In califorani it deponds on the insurance company. Shop around. It is also possible to get a "non-owers" policy if you do not...
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Whose insurance covers you if you drive a friend's car but only have a learners permit and your parents have the same insurance company?
I hope you're asking this before you need to know, not after.In most cases the insurance is on the car, not the driver, so it...
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Can you put insurance on a car that's someone elses car?
Absolutely. Insurance companies are in the business to sell insurance but the insured will be the driver of the car. In other...
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What does an uninsured driver do when hit by an insured driver?
There are many questions to be asked with this question. Are you saying an uninsured driver, driving a vehicle with no...
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If you have a family car and an expensive sports car that only you will drive what type of insurance or insurer will cover the sports car?
If you already have insurance on the family-car, then you can put the sports car on your insurance and tell them you will be the...
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What is an accident?
Your insurance will be required to pay for the damages. Insurance goes with the vehicle, not the driver.
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How old do you have to be to get insurance in NJ?
Popularity: 34 • Tools: Recategorize • Needs Answer
If the person at fault does not have insurance at the time of the accident what are the steps that are taken in regard to fixing the damaged vehicle?
First of all, it is important to know what state you are in, because some states will offer BOTH Collision coverage AND Uninsured...
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If you have insurance on your own car and are visiting a friend in another state do you need insurance on your friend's car to drive it for few days?
Generally no, your insurance should extend to any car you drive. Some exceptions do exist like if your were driving...
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Do you have to pay the deductible when your car is damaged by a hit-and-run driver if you have uninsured motorist coverage?
This varies depending on your specific insurance company.. I am a claims adjuster for a California Insurance company. Our policy...
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How do you drive a car that was bought if there is no insurance on it but full coverage on your current auto?
I'd call my agent just to be sure, but most policies will cover an additional or replacement car for a reasonable amount of time.
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When either a husband or wife with full coverage is killed in an auto accident are they entitled to money beyond the auto payoff?
What state? Answer Of course. Medical payments are pretty standard plus it depends on who was at fault. If it was the...
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Where would someone with a learners permit in the state of New York go to get insurance?
Progressive. So far they're the only ones Ive found. But $$$$$$$$$$!! -Sudeepti
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How long after a second car is purchased will it covered by your insurance?
In most cases, 30 days, the vehicle will only be covered to the limits of liability that you currently carry on your own policy...
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How do you know how much coverage you should buy for vehicles 4 to 9 years old?
No more than the liability limits- because you would lose otherwise.
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How can you find out if a person was insured at the time of an accident and what coverages he had?
Contact your state board of insurance and there should be some forms to fill out and WHY you need this information. Generally if...
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If a person does not appear at court for failure to show proof of insurance is it possible for them to get an extension if they do not have it yet?
More than likely you will already have a bench warrant issued for Fail to Appear. Each court is different and may be willing to...
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Will it go on your insurance as a claim if a police report is filed but you pay for the repairs to the other person's car yourself?
It will not go against your insurance because a claim has not been filed only a police report.
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Does running over a recapped tire tread from a tractor trailer that cannot be avoided constitute a collision?
Anytime, in our state that you hit anything "lying" in the roadway it is defined in the policy as a collision. The only exception...
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What would happen if a friend lets you borrow his insured car and you get into an accident but you do not own a car or have insurance?
I believe most insurances will cover the damages if the car is insured and you have a license, but if you do not have a license...
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If you purchase a vehicle for your son but your ex-wife has custody are you liable if they do not purchase insurance?
If the car is in your name you are responsible not your ex wife. she would be liable if the car was in her name.
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When a married couple has two cars should they have one combined auto insurance policy or two separate policies?
You need to have one policy that way you will be eligible for the "multi-car discount"
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Where can you get auto insurance and not have a valid drivers license at that time?
You can get auto Insurance without a license. This is very common. After all, You must have insurance on the vehicle you...
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Does insurance cover an unlicensed driver?
Yes most policies have uninsured or underinsured drivers. You should make sure the amount your insured for is the same as your...
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Do you have to obtain a drivers abstract in order to get auto insurance?
Most times the insurance company will check your driving record as part of the underwriting process. In rare cases you may be...
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Can you drive your friends car if you don't have any insurance?
Automobile Insurance follows the vehicle. As long as there is permission to drive by the owner (insured) the coverages that are...
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If you have your driver's permit but not a license do you need insurance to drive someone else's car in Pennsylvania?
No,but they must have insurance.You can not obtain insurance until you have a drivers license.The person who will be in the car...
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What happens when you hit a parked car drive home and then figure out you hit it and then go back to the scene and leave your information with the receptionist?
first of all how could you not "know" you hit it? Its better to be late then never.
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If you dont own a car do you have to pay insurance?
You only need Auto Insurance if you have a vehicle. Additionally, if you primarly rent vehicles, you should purchase a...
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If your name is on your car title and registration can the insurance for your car be under someone else's name?
Yes but the owner needs to be named and all driver info need to be given too.
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Do you need a driver license in order to obtain an Assigned non owner Risk Plan for auto Insurance?
Yes, with most companies you have to have a driver's lic first. The high risk insurance companies will usually give you a time...
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Is it legal for an insurance company to raise rates if you are simply calling for a quote to determine the cost of another driver on your policy but have not officially placed that person on it yet?
Maybe the agent saw something that had been overlooked and that caused your rates to go up. Check with a different company. Shop...
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Can you insure a salvage auto that has been repaired?
Yes, as long as it isn't a category b write off
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