Most Recent Auto Insurance Questions in Understanding Insurance Coverage

• Q: What have I missed for gap insurance?

  Before understanding what a Gap Coverage is, it is better to understand first what a “gap amount” is. A gap amount is the difference in amount on the original price of an automobile and the price that a car insurance company will pay for a policy holder’s car in case of a total loss. In other words, when a person … (more) January 31, 2010

• Q: What is Comprehensive Coverage?

  If Collision Coverage insures a policy holder’s car from damages that are incurred from accidents that involve all sorts of collision related situation, Comprehensive Coverage will insure a policy holder’s car from damages that may be incurred from all causes, other that collision, such as fire, flood, other natural calamity, vandalism, hitting or being hit by an animal, or by … (more) January 31, 2010

• Q: What is a Collision Coverage?

  Collision Coverage is an optional car insurance coverage that will insure a policy holder regardless if he is at fault or not. Meaning a motorist is covered from any damage incurred in any accident. Collision Coverage will also insure the policy holder’s car or property and other damages, which can be incurred from hitting a light post, fire hydrant, or … (more) January 31, 2010

• Q: What is the other car insurance coverage besides those required by law?

  The law requires their motorists to have as part of their car insurance coverage the Liability Coverage that includes Bodily Injury and Personal Property Coverage, Personal Injury Protection or PIP Coverage and Uninsured & Underinsured Motorist Coverage. Aside from these, there are still bunches of car insurance coverage that can be optionally added by policy holders to their car insurance … (more) January 31, 2010

• Q: What is Uninsured and Underinsured Motorist Coverage?

  Uninsured and Underinsured Motorist Coverage, are two coverages that can either be purchased or added to a policy holder’s car insurance policy, but most of the time it is required by the law to have both. If a policy holder have Uninsured and Underinsured Motorist coverage in his/her car insurance policy, and in case he/she got involved with an accident … (more) January 30, 2010

• Q: What is Personal Injury Protection Coverage?

  If Liability coverage, which includes bodily injury coverage and personal property coverage, pays or insures for the medical the expenses and property repair for the property/properties of the other party/parties that got involved in the accident, Personal Injury Protection coverage or PIP coverage will be the one paying or insuring for the medical expenses of the policy holder, all the … (more) January 30, 2010

• Q: What is a Liability Coverage?

  Liability coverage is comprised of two coverages, the bodily injury coverage and personal property coverage. Both the bodily injury and personal property coverage are part of the liability coverage which is designed to protect and/or to insure the policy holder, meaning the insured motorist, from expenses, such as medical expenses and property repairs, which are suffered by the other party … (more) January 30, 2010

• Q: What are the Basic Car Insurance Coverages?

  Basic car insurance coverages are normal the coverages that should be included in a car insurance policy. These are mostly required by the law. These car insurance coverages are different depending on the sate where the car owner or motorist resides. The most commonly required by every state law requirement of car insurance coverages are the following: Liability Coverage, … (more) January 30, 2010

• Q: Does budget companies able to give you the services that you need?

  Having car insurance is one of the most necessary things that you must have. This is destined to remain true, at least when you have your own car and plans to drive it every time you hit the road. Remember that you cannot legally drive your car whenever you do not have car insurance. In fact, most, if not all … (more) December 21, 2009

• Q: Will switching from liability coverage over full coverage suffice my need to save on my car insurance?

  The answer to the question is “Yes”. With the current recession of the economy, a lot of people are now weighing the possibility of switching from full coverage to liability coverage. The odds of the switch are minimal and will definitely lower your monthly car insurance bill especially if you are confident about your driving skills. But put in mind … (more) December 9, 2009

• Q: How much car insurance coverage do I need?

  When you apply for car insurance, you will be faced with a lot of options. The best type of car insurance coverage will actually depend on your needs. That is why car insurance companies are giving you the power to customize your car insurance according to your needs and demands. Car insurance coverage is an important factor in your car … (more) December 7, 2009

• Q: Why Do Teenagers Have Higher Insurance Premiums?

  I suppose many teenagers share the same sentiment. They’ve been driving ever since the state could legally issue them their license; they’ve kept a perfect driving record from never having to be pulled over to even using perfectly timed hand signals during driving. But why is they’re insurance still so expensive? Is it legal to charge teenagers that much for … (more) November 10, 2009

• Q: Prices In Car Insurance Are Just Getting Higher Every Year. Is There Any Way That I Can Save On Insurance?

  Car insurance is not only an option for people to keep financially safe, it is a law. And like all laws it must be followed. With the rise of the oil market, Auto Insurance also has no other choice but to also increase their rates. Even through these hard times, auto insurance is still a good investment. As the age … (more) November 9, 2009

• Q: I Want To Know How To Go About Getting Car Insurance For The First Time. What Do I Need To Do?

  Getting your first car is one of those firsts that many put into family photos. The ritual of looking for that perfect car that fits your budget is one that is most memorable. The dirty work on the other hand is the memories that we try to forget. We all remember the time we lost our first tooth but not … (more) November 8, 2009

• Q: This May Seem Strange, But I Think Car Insurance Companies Do This. Do They?

  Many car companies receive a number of questions. Mainly regarding on how they compute their rates and what factors can contribute to their insurance coverage. This could be possible because we all know that car insurance is a topic not usually talked about in the dinner table, or anywhere for that matter. If a million dollar check were to be … (more) November 7, 2009

• Q: Can Car Insurance Companies Actually Do These?

  There are many stories spreading across the internet and through word of mouth about car insurance. Some can be pointed out to be facts, some can also be a bent form of a truth and others are just straight out myths. How do we know which is true and which is not? Here are a few of those myths that … (more) November 6, 2009

• Q: I’ve Heard A Lot Of Stories About Car Insurance And I Just Want To Know If It’s True?

  Car insurance is an idea that is not always pointed in the limelight and because of this; there are many ideas about car insurance that may arouse curiosity on whether or not it is true. These car myths spring up from mild common sense to the more bizarre creative reasoning. Here are a few car insurance myths that people usually … (more) November 5, 2009

• Q: How Do I Choose A Good Car Insurance Company?

  This question is actually a little bit too broad to be able to have just one answer to everyone who inquires about it, so first let us ask some guide questions to clarify what you mean by a good car insurance company. First of all, do all insurance companies offer the same coverage and discounts? The answer to that is … (more) November 4, 2009

• Q: Are There Any Other Additional Policies Out There That I Can Avail Of?

  There are actually quite a number of policies other than the basic coverage that you can avail of. Some of these policies are more minor and specific as compared to the more the basic and general coverage and others are only available in certain states.  Below is a list of some other coverage types that you might be interested in. … (more) November 3, 2009

• Q: What Can I Do If The Other Driver Is Uninsured?

  There will be some cases where you will encounter cases where the other driver is either under insured, meaning that his insurance is not enough to repair the damage done to you, your vehicle or your property, or he may not even have any insurance at all. In these cases, there are steps that you can take to make sure … (more) November 2, 2009