automobile insurance
Vehicle insurance (also known as auto insurance , car insurance , or motor insurance ) is insurance purchased for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents and against liability that could be incurred in an accident.
HideAnotherMistake
asked:
"I was scaning a list of questions and the term "assigned risk" came up. What is assigned risk?And what would you think the cost would be for car insurance with StateFarm and Geico, I as the principle driver? I know gender and maternial status make a difference, but in general.I have looked on the site, but I am not going to sign up to any insurance unless I know what the deal is.Thanks in advance!"
Question posted courtesy of:
onestop replied:
"Since you've been in the assigned risk pool, your premiums will be high, if you are lucky to get a car insurance.After you enter an assigned-risk pool, the insurance company assigned to you must keep you for three years. At the end of that period, your company has the choice of keeping you as a customer or not renewing your policy. Even if the insurance company doesn't renew your policy after you have kept your driving record clean and sent in premium payments on time, you should be able to find another insurance company willing to issue a policy to you.During your three years in the assigned-risk penalty box, it is in your own best interest to keep playing the field by shopping for a company that will insure you at a lower cost. As time passes without any driving accidents or citations, your chances of getting insurance on the open market become greater.I'd highly recommend trying to get as many quotes as possible before choosing an insurance company."
Insuranceman replied:
"Assigned risk "pool" is a State program that is designed to provide insurance at basic required limits for drivers that have been rejected by (normally) three or more carriers.There is not ONE insurance company that is good for everyone - as there are too many variables to consider!Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!Good luck, drive RESPONSIBLY and I hope this helps!"
Mebtlsha
asked:
"I'm doing a research for my course , comparing this service in my country to which in the USA ...and more specifically about the private and commercial cars... a claim saying that USA's provisions are strictly applied ..i.e the son driving his father private car is not entitled to any compensation in case an accident is occurred .....because it's not the "son" car..(which at the same time is not going the same way here ...as long as the car is insured so anyone drive it is insured ..regardless of the owner of the car...and just there it is the debate point...what do you think about it ?so ,I'll appreciate if you could feed me with any thoughts any idea any information any links concerning that or even automobile insurance in general..."
Question posted courtesy of:
AD replied:
"Insurance is really too complicated for me to tell you about in this forum. Your best bet to do this type of research is to get a copy of a US auto policy and compare it to yours. Although not all companies use them, ISO does offer a standard from.However, in the US -insurance is regulated by the individual states - not the federal government. So insurance policies/law vary from state to state - and some of the variations can be dramatic. It is done this way, to allow each state to react the exposures faced by that state. For example, Florida has a lot of coast line and has greater hurricane risk than Montana (which has no hurricane risk). Because Florida is a popular vacation area, they get more folks from out of state than Iowa does. They made need to make changes to their law/policy to address these issues. The interpretation of the policy depends on 1. the state where the policy is written from, 2. the company that wrote the policy, 3. the facts of the loss. In the end, all policies are interpreted in accordance with the language in the policy and the law of the state. Insurance in the US is probably too complicated for you to do a blanket analysis and compare/contrast to insurance where you are."
Al M replied:
"First review this posting I made to another question a while back. In it, I listed the different kinds of auto insurance, the importance of getting more than the minimum required by law, and for a new driver the importance of getting it before taking possession of the car. I also talked about new car financing options.One thing I did not address here, but is important. You need to get some kind of identity theft protection insurance because the act of buying a car, and registering it, are additional ways your records can be exposed to that threat. .With respect to your specific quesitons, the insurance and fault, lies with a combination of who is driving the car, if they have the permission of the owner, and the owner of the car, and what insurance is on each, and the rules of the state ... different states have different rules. I gave some links in the above answer. You also need to review fault vs. no-fault states and what requirements there are to have proof of protection with you ... some states just require proof, others require you to have the proof with you when you driving.Suppose you have a family car and a teenager coming of driving age. Your auto insurance needs to spell out whether or not the teenage child is covered. If there is an accident with the child, the insurance company can deny claims on the grounds that you had not been paying the extra money to have the child covered by the policy. It can be very expensive to add a teenage driver to family auto insurance policy, but much more expensive to buy separate policy for the child.Insurance rates vary with the type of car. There is the perception that kids will drive faster and more dangerously in sporty cars. There are also some brand names more favored by car thieves. This impacts risk and thus insurance rates.I am an older driver. I have a special discount on my insurance rates by me refusing to let any person below the age of 25 drive my car. This means that when I park my car, I cannot go to those places where they have some valet or mechanic park my car, because I don't know ages of people employed there.It is all about risk of auto accident. What you can do to reduce risk gets you lower insurance rates.What do you mean by commercial cars .... renta-a-car at airport, have a company where car or pickup truck or van belongs to the company & various employees drive it?If you plan on driving your personal car to another nation like across the US-Canada border, you should talk with your auto insurance agent first. The risk of having a car stolen is much higher if it is in Canada with US license plates. There's other adjustments to the risk that you want to review in advance.You might also ask your personal car auto insurance agent about how that coverage applies to a rental car. For example, I have a high deductable on my personal car to reduce cost of insurance, and I am willing to drive around with a few dents & scratches, but I might not want deductable when using a rental car.As for a company car driven by employee, you need to ask both your private insurance and the employer about this ... for example, I would expect that the ONLY drivers authorized by the insurance on the company car are employees of the company (not their family members or friends) or people at some auto repair place.If company car gets in an accident, where the driver had permission of the employee of the company, the company insurance is not going to cover that, if the rules of the company and company insurance did not include drivers other than employees.So the scenario may be legal driver, but the insurance has to be the insurance that is carried by the driver, not by the vehicle.When you get your driver's license, you have to show proof that YOU have auto insurance.When you get your auto registration, you have to show proof that YOUR CAR has auto insurance.When it is only you driving your own car, then same insurance. When you loan your car to someone else to drive, it gets more complicated, depending on restrictions in your insurance (like mine does not cover driver below age 25), and state law."
blazerexpert
asked:
"i recently was in a car crash and the guy who hit me said that he has florida automobile insurance . i wasnt able to locate the company through any one. so hopefully one of you have the number and can get it to me.thank youthat is the name of the insurance the guy told the police and me"
Question posted courtesy of:
Pedro S replied:
"lol..u need the name....100s of cos insure in fla"
Kat24 replied:
"That's not a name of an insurance company. This is precisley why you should always call the police to the scene of an accident."
A.J.
asked:
"I've been with the same company almost five years. My car insurance is renewed every six months, after I make the required renewal deposit. Like clockwork, I receive the new payment coupons, and temporary insurance card. However, I don't get the permanent insurance card and new policy stating the value of my vehicle, until almost a month later. Sometimes longer. Is this legal? If so, why does it take so long for the agent to issue the new policy, and how will this effect me if I ever disagree with what's in the policy?P.S. I'm not referring to how soon the new insurance is "effective", I'm referring to how soon the new policy is "received". To my knowledge, the policy is renewed immediately for six months after I make the deposit, even though I don't have the new policy, and just the "temporary" insurance card.There has to be some type of law that gives insurance companies a certain amount of time to send out the new policy. If anyone knows please post."
Question posted courtesy of:
contemplating replied:
"I have no clue...that sounds really odd.My automobile insurance company lets me print my proof on insurance card off on-line at any time (usually the new one is up well before the last one expires...and I pay it after the card is issued). The other documents are also online.Have you noticed any changes that they've made to the policy? I think it defaults to what I was signed up for previously."
blb replied:
"The agent doesn't issue the new policy the company does. It sounds like the company is issuing the policy and sending it to the agents office who then sends it to you. It takes awhile for all of this to happen. If you don't like it, switch companies. Most companies send the policies to you directly within 2 weeks of making the payment."
deanspurrier replied:
"Well for one your first payment is not a deposit. It’s a down payment or first payment, a deposit would imply that the money is being put up only to hold something or until further approval and that you have some right to a refund. With regards to insurance you have no right to any monies back from your first payment unless the policy is flat canceled, and then you would be entitled to any unearned premium less any fees from that payment.Depending on the State in which your policy is written a carrier can have up to 90 days to send you a Policy Declaration Page and Policy but this is not normal practice with most carriers. Most will try and get those to you with-in a few days of issuance of the policy or as quickly as they can. Your situation is unusual unless like someone said, the policy might be going to your agent first and the agent then has to mail it to you, but again that’s a highly unusual practice. Check with your agent. It may just be that the carrier is slow to issue policies?Take care!"
mei-lin replied:
"My company sends out renewal offers 2-3 weeks ahead of the renewal date and the coverage is continuous if the renewal premium is paid. Most companies are so automated these days that turn around is pretty quick and with some you can go online and print your own. If you are having trouble, you can get a copy from your agent - if you are having trouble with your agent, call the company's (not agent's) customer service number and request it to be mailed or faxed to you. I even have one company that will email you a copy."
bundysmom replied:
"The renewal is sent approximately 30-45 days BEFORE the renewal. Do you live in the states?"
NuffSaid
asked:
"I heard that your insurance company will replace your windshield if it gets hit. For example, what if the windshield is hit by a rock and makes a crack, will they replace it? I also heard that it will be free and it won't increase the price of my insurance policy. Are all of these true?"
Question posted courtesy of:
la428282 replied:
"First of all it depends on your state. If your state law provides free windshield replacements...You only get it for free IF you carry comprehensive coverage on your policy.It wont likely affect your rates but there is not law saying it cant."
richard d replied:
"it depends what insurance you have if your have fully comp they will yes if you only third party then no"
Ghadahav Kaffee replied:
"you need to read YOUR policy.My policy covers it like any other incident: I get reimbursed for the windshield replacement cost that exceeds my deductible."
sensible_man replied:
"Depends on your insurance company. I have State Farm and glass replacement is a part of the policy. They even covered a vent window that I admitted I broke while locked out. My deductable was not a part of the repair, it cost me nothing."
toolman replied:
"For the most part you are correct in all areas."
SmartA$$ replied:
"You need to call your insurance company or read your policy. Every company is different, and it depends what level of coverage you have. It has nothing to do with what state you're in. The minimum liability insurance that you are required to have does not cover it. Many "full coverage" plans do cover it, and the deductible will vary based on your policy. It will probably only be free if its reparable, and you'll have a deductible if it needs to be replaced.I had this once while I was driving my dad's car. It was lucky that I was in my dad's car because his insurance covered it. I just called the insurance claims line and they told me the closest repair shop and set an appointment for me. It was a $100 deductible, and it did not affect the rates at all."
Taylor replied:
"maybe"
insuranceagent123 replied:
"It depends on the terms of your policy, and how the window was brokend/cracked. Typcially these type claims do not impact your rate.I always recommend that people purchase insurance locally through an independent agent, as they will educate and help you on these types of things. The best way to do this is to get a quote online using a company like or.You should get a number of calls from local agents who can not only help you save money, but can also answer these type of questions as opposed to calling an 800 number and India.Good luck!"
JEFFREY W replied:
"I wish my experience is helpful for you.Here is the good resource."
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