Auto Insurance Questions Archive for March, 2010

  • I am such a busy-bee with work that I was not able to report my lost driver’s license, but since I recently moved here in California, can I just apply for a new one here? I came from Chicago.

    First thing first, if you would not want to be a victim of fraud or identity theft, then at this very minute, you should find time and report about your lost driver’s license to the authorities. You did not mention how you lost the said card but someone might have found it and can use it as an accomplice in … (more) March 31, 2010

  • How can I lower my car insurance rates for my teen driver?

    For most parents that worry about their teenagers that just started driving, insurance rates are one of the things they think about. There are a few thing you can do as a parent in order to lower the rates of your teenage driver. Before anything else, it is important to be patient with your young driver’s insurance. Don’t be in … (more) March 30, 2010

  • Do I need to buy car insurance before I buy a new car?

    Obviously, if this is the first car purchased and the owner doesn’t already have car insurance, that motorist will need to be insured before he can drive the car off the lot. In another case, if the driver is financing the vehicle, his lender will likely require him to have coverage at the time of the purchase to be able … (more) March 29, 2010

  • What can a car owner do if the insurance of the other driver refuses to pay?

    Of course, a car owner can always use his or her own coverage whenever their cars are involved in an accident. However, if the accident was not their fault, then they should definitely make the driver at fault pay and take responsibility for what he or she has done. But being in accident is never a pretty picture. Often times, … (more) March 28, 2010

  • Why should I get car insurance?

    Car or auto insurance offers drivers financial liability and coverage for any damages they sustain or cause in an automobile accident. Anyone who owns and drives a vehicle is recommended to have coverage. Almost every state in the US, and even in other parts of the world, requires drivers to have minimum financial coverage and some even have laws that … (more) March 27, 2010

  • How do “points” affect my car insurance?

    This point system is administered by the Department of Licensing to keep track of careless or dangerous drivers. Each certain point value acts as a demerit on one’s driving record and are added every time a driver or motorist commits a traffic violation. The more of these points in one’s driving record, the more negative one’s driving report would be … (more) March 26, 2010

  • If an insurance holder does not feel that the claim is not enough, what can they do?

    There are a lot of times when drivers meet accidents. This can be very tough as cars are one of the most valued possessions in one’s life. At times like these, car insurance comes in very handy, and sometimes can even save someone’s life, through financial assistance and other coverage. Most of the time, insurance companies come through for the … (more) March 25, 2010

  • Do I need GAP insurance?

    GAP (Guaranteed Auto Protection) insurance is an extra coverage that protects one’s car during the early years of its loan or lease. It is recommended for drivers who are still paying for their car loan or had put less than 20% down payment on their new vehicles. In the event that the car gets totalled, GAP would cover the difference … (more) March 24, 2010

  • Will a car owner’s car insurance cover damages if a minor child caused the accident?

    Teenagers have wanted to drive cars since the day they can think. From the time they have seen their fathers and mothers drive them to different places, they have always been curious and excited to try it as well. That is why there has become a need for parents to teach or enroll their children to driving schools. However, it … (more) March 23, 2010

  • How can I lower my car insurance costs?

    Auto insurance is invaluable in providing financial protection against losses caused by accidents and thefts, and the prices vary by company due to a competitive market in the industry. But paying protection for oneself and vehicle can be a bother when the prices start to rise. There are many factors that affect one’s insurance prices, and each is statistically based … (more) March 22, 2010

  • Is buying Car Insurance online reliable in getting claims?

    As today’s generation is relying more on more technology, there is a need for everything to keep up. Every business establishment, every school, every parent, every student, and even every consumer must learn how to keep up with the dynamic and constantly changing world. What used to be a face to face interaction between a buyer and a seller is … (more) March 21, 2010

  • Can you claim insurance from the driver of the car who hit you?

    The answer is of course, yes. A driver who has hit another car has every responsibility to take care of the damages he or she has caused. That is why having an insurance policy will come in very handy as driving automobiles are most often a matter of life and death. Sometimes, no matter how careful you are, there are … (more) March 20, 2010

  • What will you do if you are a victim of hit and run?

    There are a lot of car owners who have reported cases of hit and run. This is one of the worst accidents a driver can ever experience, as there is no one to run after for the damages done to their vehicle. However, if the car owner has their own insurance policy, then it will be a lot easier. But … (more) March 19, 2010

  • What are the consequences of having no car insurance?

    Almost every state in the US requires drivers and motorists to have minimum level of car insurance. This is to make sure that these drivers and motorists have liability coverage in case they find themselves in at-fault accidents. The penalties for not having car insurance differ from state to state, but the general rule is that there would be heavy … (more) March 18, 2010

  • Should you get car insurance online or on-foot?

    According to statistics, every American would be involved in at least one car accident within their lifetime. Moreover, the leading cause of death among Americans under the age of 34 is not some terminal illness but a devastating vehicular accident. The chances of being in an accident should be enough to worry anyone and this is primarily why car insurance … (more) March 17, 2010

  • Why is it important to choose your car insurance carefully?

    Having car insurance is a requirement as defined by law and many people view this as a chore that must be done immediately and with as little effort as possible. However, the law was not made in order to inconvenience people. It can be the convenient solution to problems when it comes to the dangers of being on the road. … (more) March 16, 2010

  • How reliable are cheap car insurances?

    Many people believe that just because an insurance plan is cheap, then it is reliable. However, if the person is not careful, they may find themselves paying through the nose or trading an arm and a leg just to be able to comply with the terms written in fine print. Cheap car plans can go as low as US$200 paid … (more) March 15, 2010

  • I am currently enjoying the benefits of being having a low-mileage discount from my car insurance company but since I got promoted and will soon be transferred to a another branch, how will this affect my policy? Is there a need for me to inform my insurer?

    Most car insurance companies calculate mileage discounts like the one you are currently enjoying annually or yearly. Meaning to say, as long as you do not exceed the average odometer rate that they require for a low-mileage discount, you are still on it. The catch is that average rates for this type of discounts differ in every company. There is … (more) March 12, 2010

  • Before I purchase a car insurance policy, I would like to know what the current average rate for car insurance is.

    That depends on what state you are currently in. There are just what companies term to as “expensive states” (New Jersey, District of Columbia, New York, Louisiana, Maryland, Delaware, Rhode Island, Michigan and Alaska)  On the other hand; its counterpart, the “least expensive states” (Illinois, South Dakota, Iowa, Arkansas, Vermont, Hawaii, North Dakota, Nebraska and Ohio) is where policy holders … (more) March 11, 2010

  • Why am I being ticketed for having a trailer? Is this Legal? Is this included in my insurance?

    First and foremost, you did not mention your current state. This is important because the law regarding trailers differs from state to state. What is considered to be illegal when it comes to trailers in Florida may not be under Mississippi law. But basically, it is not usually the trailer itself that gives the problem but the fact that you … (more) March 9, 2010