Auto Insurance Questions & Answers

With "Share knowledge, help others" in mind, stands above the rest. Every day, our support experts receive dozens of emails from our valued clients in search of answers. In our pursuit of excellent service, we have decided to make this information available to you. Our years of experience and expertise allow us to share this vast collection of commonly asked questions for people like you.

  • Q: What are the advantages and disadvantages of budget insurance companies?

    Before purchasing car insurance, you must consider a variety of factors, including what kind of car you have, your driving record, and the amount of money you are willing to pay. Understanding the simple basics of car insurance makes you confident that the policy you will choose will take care of your needs during unwanted circumstances. However, due to financial … (more) May 23, 2010

  • Q: What is the significance of liability coverage?

    The importance of liability insurance is extreme because it protects you from potential financial ruin. It is also an assurance for other drivers of medical and financial assistance; since in the context of liability coverage, it is assumed that you are the driver at fault. In other words, you would not need liability insurance coverage if you can guarantee that … (more) May 22, 2010

  • Q: What are fault-based and no-fault car insurance policies?

    These insurance policies determine how the medical costs and property damages of drivers involved in an auto accident are paid. Determining whether who is at fault in the accident and who has to pay generally depends on which state the accident had occurred, and state laws vary significantly. So it is recommended for drivers and motorists to know whether the … (more) May 21, 2010

  • Q: What is the easiest way to find car insurance companies of your child?

    We can never deny the fact that there are many companies that offer car insurances. However, as a parent, you want to get the best for your teens without having to sacrifice the great deals that other car companies can give. Parents find it that there is a need to quote or canvass different companies because of the price of … (more) May 20, 2010

  • Q: What are insurance coverage types related to property (vehicle and others) and property destruction?

    Vehicle insurance coverage exists for a wide array of needs, and for humans and property alike. There are numerous categories and types offering services and policies related to property destruction and the like. By “property”, we mean your vehicle, personal property that may happen to be in the vehicle in case of accidents, natural calamities or theft, other party’s or … (more) May 19, 2010

  • Q: What are the repercussions in driving without an insurance?

    Driving without insurance is always paramount to inviting trouble that motorists are not very well prepared to face. In some states, it is mandatory to have the vehicle properly insured before the motorist heads out into the open road. Having an insurance is not only tantamount to having different benefits, such as acquiring enough money for repairs in case of … (more) May 18, 2010

  • Q: What can car insurances do to my teenager’s life?

    No one actually knows how relevant car insurances are until they have discovered the inner logic of this necessity. This can only be done by utilizing its use, and extracting its benefits and advantages. Parents can actually have an advantage to this. By giving their teens financial support and allowing them to have their own cars, their children’s life can … (more) May 17, 2010

  • Q: What are some medical / health-related insurance coverage?

    Indeed, there are different types of insurance coverage related to health assistance. There is the First Party Benefits – Medical, which is actually a category that covers more than a few areas of insurance coverage. Should one meet an accident or so, services such as related medical and surgical treatment, essential dental, psychiatric, psychological, rehabilitative services (physical therapy, etc.), and … (more) May 16, 2010

  • Q: How will I know the right car insurance for me?

    In a world where even the slightest of all errors can cause grave repercussions and accidents can always happen out on the road, having a vehicle insured can spell the difference between having an easy way to recuperate from damages and having to face a large amount of debt for repairs, as well as inconvenient settlements of both parties in … (more) May 15, 2010

  • Q: How does car insurance benefit the parents?

    Do you know that parents can also benefit from applying teen car insurance? How? Look in to it deeper, and read this, as it will unfold the secrets of teen insurances. Parents nowadays find it hard to connect with their daughters. Technology has actually separated them from being together. Most children want to indulge in the internet, talk with … (more) May 14, 2010

  • Q: What is Personal Injury Protection Coverage?

    Personal Injury Protection (PIP) Coverage provides for the medical and even funeral expenses of the insured driver, his or her passengers, and pedestrians that may have been harmed by the driver. PIP essentially covers any possible expenses that may arise from harming or being harmed by another driver, or even pedestrians, as mentioned. Also covered are the policyholder’s relatives … (more) May 13, 2010

  • Q: Why is Car Insurance essential in a Car Emergency Kit?

    Whenever a motorist plans to go on a trip that involves going across isolated routes, or roads where the nearest town could be a hundred miles or longer, it is always a good precaution to prepare an emergency kit for the trip. Emergency kits can be lifesavers, either helping the motorist repair their car in case of breakdown. It could … (more) May 12, 2010

  • Q: How do parents get to be involved with their teen?

    Students who want to have cars must first get the consent of their parents. Parents on the other hand, before accepting and approving the requests of their daughters and sons, should be equipped with words of wisdom that will teach their children to be responsible on the road. If parents neglect on having one on one conversation with their children, … (more) May 11, 2010

  • Q: How to shop for auto insurance?

    Because having car insurance is required in almost every state in the US, and also in other countries across the world, one has to be financially covered in case an accident happen. To do so, drivers and motorists have to be well informed in order to choose the right kind of coverage they need. This is to make sure that … (more) May 10, 2010

  • Q: What is Liability Coverage?

    Liability coverage is specifically for bodily injury, such as when an insured driver is responsible for inflicting bodily harm, injuries, and even death of a third party. Take note that liability coverage does not cover harm that may come on you or your own passenger, given that you are the driver responsible for the harm. Liability coverage is only responsible … (more) May 9, 2010

  • Q: What are the easy steps that teenagers must follow to have lower price of car insurance?

    Owning a car has been a trend for almost all teenagers and college students. Car owners have set a fad statement in the university. Apparently it became a necessity, for it is much easier and comfortable when students own their car. Nonetheless, parents see this as another way of teaching their child and making them more independent. Owning a … (more) May 8, 2010

  • Q: What are the pros and con of applying auto insurance online?

    The internet is an efficient and popular means of finding information. Meanwhile, auto insurance companies have taken this advantage to improve their services for the coverage needs of drivers and motorists. A study conducted just last year proves that there are more people applying for coverage on the internet, with results showing that 68% of new auto insurance customers apply … (more) May 7, 2010

  • Q: What is the difference between GAP Coverage and Total Loss Coverage?

    GAP or Loan / Lease Pay-off Coverage, as the term implies, does have something to do with car loans and leases. It offers protection to drivers or vehicle owners whose loaned or leased cars obtain costs of damages that exceed the actual monetary value of the vehicle. In other words, if the leased car is damaged beyond possible repair, the … (more) May 6, 2010

  • Q: How do car insurance rates vary?

    Car insurance rates vary from company to company. Teenagers, as well as their parents, would like to know the factors that determine the rates of their car insurance and their policies. This kind of factor actually differ in every company, which is why some teenagers will notice that there are companies that offer cheaper insurance rates than the other. Sometimes, … (more) May 5, 2010

  • Q: How is Actual Cash Value determined?

    Actual Cash Value (ACV) is a method of valuing insured property. It is also defined as the replacement costs that insurance companies pay for one’s damaged property after subtracting depreciation. The general rule in order to calculate the value of one’s vehicle includes taking into account the effect of depreciation due to wear, condition, and aging. But, each company has … (more) May 4, 2010