It is probably best to divide this question as stolen cars and items taken from them. Owners must have Comprehensive auto insurance coverage to be able to claim for stolen cars and damages during theft. Sometimes, they are more interested in what is inside than the vehicle itself and thieves break in to get them….Continue reading
Coverage & Policies
First priority should always be getting the right automobile insurance coverage and policy. Then, you can use our tips to find cheap auto insurance premium for the cover.
Does Car Insurance Cover Other Drivers?
Most auto insurers want to know about people of driving age living with you in the same household because they include them in their premium calculations and on the policy. And, standard car insurance policies cover occasional drivers who may use your car on the off chance with your permission, providing there are no limitations and exclusions…Continue reading
What Happens If Car Insurance Premium Is Late?
Life doesn’t always go according to plan. People may have a bad month with unexpected or emergency bills and have no money in the bank when the premium is due. Most motorists know how valuable it is and wouldn’t want to lose coverage, especially over an oversight or a mistake somewhere. This view is often…Continue reading
What Is Third Party Auto Insurance
Third party car insurance covers the legal liability you would face if you cause injuries and damages to other people in an accident you are at fault. Virtually every state requires vehicle owners to arrange minimum liability coverage. Since this coverage is for the protection of others and allows them to make claims on your…Continue reading
What Is Standard Auto Insurance Coverage?
When people talk about a typical policy, they refer to standard car insurance coverage, which follows the common industry practices in the way they insure vehicles and drivers and stay within the usual limitations and restrictions. Average motorists, who have sufficient experience and acceptable records don’t need to make special arrangements and they can get…Continue reading
State Minimum Auto Insurance
Each state determines its own minimum car insurance requirements. Vehicle owners must comply with these laws to avoid penalties such as fines, license suspensions, vehicle impoundments, and even potential jail sentences in certain circumstances. Typically, these minimums include liability coverage and may include other coverages like Personal Injury Protection or Medical Payments and Uninsured Motorists…Continue reading
What Does Auto Insurance Cover?
Motorists first should figure out how much car insurance coverage they need before worrying about buying a policy. They should look at what is included in various types of policies to decide which would suit them best rather than start searching for the cheapest. The premium difference between a basic policy and a good one…Continue reading
What to Do if Car Insurance Is Cancelled or Renewal Refused?
No matter what is the cause, a lapse in automobile insurance coverage is a situation you should rectify as soon as possible. Not having it is a large financial risk; you may even be subject to fines, jail time and criminal charges in certain states. Who has done it or why it has happened is…Continue reading
10 Costly Auto Insurance Mistakes
Vehicle insurance is legally required but most people buy it for the peace of mind it offers. That is why it is important to pay attention to detail and get the right coverage, carrier and pay a fair price. Insurance is a product that needs to be bought beforehand and cannot be bought after realizing…Continue reading
Auto Insurance Coverage Recommendations
People buy car insurance to protect themselves against the costs of accidents, unexpected losses and financial distress caused by them. Without coverage, even a moderate crash could force you to pay thousands of dollars out of pocket. Nonetheless, if you keep adding every coverage available, you run the risk of costs outweighing benefits at the…Continue reading
Penalties for Driving without Insurance
It is a large financial and legal risk to drive with no auto insurance, as it is not optional. There have been on-going arguments for and against it but it hasn’t been optional for a long time now and it isn’t likely to change any time soon. So, check what happens and learn how easy it…Continue reading
What Is Non Owners Car Insurance
Non-owner auto insurance policies are designed to provide liability coverage for individuals who do not own a vehicle but may need or want coverage for driving other people’s or rental cars. These policies typically fulfill state requirements and can also offer coverages such as Personal Injury Protection (PIP) and Uninsured Motorist Coverage, depending on state…Continue reading
Cheap Liability Car Insurance
You’ve recently made a car purchase and can’t wait to get behind the wheel. Your primary concern is adhering to state laws to ensure legal driving. In order to meet these requirements, you’ll need affordable liability only auto insurance that comes with liability coverage and other state mandated coverages. This type of a policy offers…Continue reading
Cheap Full Coverage Car Insurance
After spending a lot of money for an automobile the next logical step would be to insure this investment. Then, you would want decent liability limits in case you or other permitted drivers cause injuries to other people or damages to third party properties. Taking care of these risks that can ruin financial health would…Continue reading
What Is the Minimum Car Insurance You Need?
In order to be able to drive legally motorists should at least buy liability auto insurance coverage, which is compliant with their state’s minimum requirements but providers cannot sell a policy less than this amount for a vehicle in use anyway. However, basics are set to protect the public from motorists who would otherwise have…Continue reading
Does Auto Insurance Cover Pothole Damage?
Pothole damage is considered a loss arising from hitting an object on the road and normally covered by Collision coverage so you can only make a claim if you have this coverage on your car insurance policy. Remember that collision coverage comes with deductibles and therefore, the damages may need to be substantial for it…Continue reading
When Does Liability Only Car Insurance Make Sense?
Today, most companies offer quotations for comprehensive policies, unless you specify otherwise. They work hard on preparing attractive full coverage packages with many additions. But, there are still times it may be all right just to buy the minimum legally required to drive. So, when should you forget about the rest of the readily available…Continue reading
Compulsory Vehicle Insurance Laws and Compliance
When unsuspecting, innocent bystanders, road users and property owners stand to lose because of the act of someone else driving a vehicle, states had to step in and make it compulsory for every vehicle owner to purchase at least liability insurance, which compensates third parties for injuries and damages suffered as a result of an…Continue reading
What Is Secondary Auto Insurance Coverage?
The idea of primary and secondary car insurance coverage comes from the fact that you cannot double dip when you have a loss. If you have two separate policies dealing with the same risk one becomes the first in line and the other supplementary. They may end up handling different losses in the same incident…Continue reading
Do I Need Insurance for a Car I Don’t Drive?
Do you have to keep a vehicle insured as long as you own even if you are not driving it any more? The answer isn’t straight forward as it depends on circumstances, usage and authorities. Registered keepers have to account for it and follow the state requirements. When you buy at least liability coverage you…Continue reading
Does My Auto Insurance Cover Rental Cars?
We have a tendency not to check these things and turn up on the counter not knowing what to do. A standard car insurance policy with full coverage will insure rental automobiles the same way it does your own car. If you have an accident you will need to pay the usual deductibles. Buying it…Continue reading
Joint Car Insurance Policy between Unmarried Couples
Having an equal share of things always comes with its perks and it is the same here. Having both names on a schedule of coverage or deed may eliminate the disputes over who has what too. However, it may come with its problems like shared liability in the eyes of the laws. Assuming this is…Continue reading
When to Drop Collision Insurance?
Certainly, it is a very valuable component to protect a vehicle against accident related losses. Under normal circumstances, it is a must when the automobile still has some value. And yet sometimes you may be justified to drop it, as it may be waste of money. We will look at when is the best time…Continue reading
What Happens if I Drop my Car Insurance Coverage?
Firstly, it is important to note that a car must be insured in order to be driven and protected against damages. When planning to be away for an extended period, you may consider dropping your auto insurance coverage. However, this decision should be carefully evaluated based on various factors. If you have a secure private…Continue reading
Whose Auto Insurance Policy Children Go after Divorce?
There are ways to increase the total premium discounts all family members can benefit. You may have spent a considerable time to go over various angles and set them up. After a separation these arrangements now have to be untangled. It may be easier for two people to go their own ways but when there…Continue reading
What Does Liability Car Insurance Cover?
Although buying a car is easy and anyone can have one, driving a vehicle on public roads is a privilege, which requires compliance with the highway codes and state rules. Liability auto insurance is a system designed to compensate people who suffered from a traffic accident caused by other drivers. That is why it is…Continue reading
How Much Does my Insurance Go up after a Ticket?
These days, auto insurance companies look at every detail they can obtain. Essentially, they like to make sure that good drivers get decent rates while they sort out the risky ones and penalize them with higher premiums. What is a better indication than traffic and speeding tickets? These are great signs of negligence and disrespect…Continue reading
What Level of Auto Insurance Coverage Would Be Enough?
One of the key benefits of having a policy is that it offers peace of mind of knowing that you would be compensated if the worst happens on the roads. This would be a great starting point when making car insurance purchase decisions? This post will discuss how should motorists go about determining comfortable coverage…Continue reading
Do I Need Rental Car Reimbursement Coverage?
Motorists often assume that they will receive a courtesy car free of charge when their vehicle is undergoing repairs. However, the reality is that Rental Car Reimbursement coverage is typically not included in auto insurance policies by default. This coverage is designed to pay for the costs of a replacement vehicle when your own car…Continue reading
What Are Car Insurance Policy Endorsements?
An auto insurance endorsement, also called a rider, changes the original policy by adding, deleting, excluding or amending the wording that allows policyholders to customize their coverage to include their special protection requirements or reduce risks and premiums by excluding a high-risk driver or limiting the scope of the coverage. It may also be used…Continue reading