motor vehicle insurance

Do you have to carry your car insurance coverage in your wallet?

Do you have to carry your car insurance coverage in your wallet?No you can have your insurance card in your car or wallet in the state of fresh jersey.
please vist for a free quote or more faq’s.

Can you get utter coverage insurance on a salvage title car in Louisiana?

My insurance provider, Hanover, told me that they would only write liability coverage, and not total coverage on my truck that was flooded and totaled in Fresh Orleans.

If you repossess your car do you have to proceed insurance coverage on that vehicle?

I take it you mean, if your car IS repossessed. In that case, IF you dont plan to redeem it, NO. NO car, NO insurance. Once the lender repos the car, they are responsible for the insurance coverage.

Do a spouse and wifey have to be on each other’s car insurance or can they each carry their own coverage with different companies?

Response .
Generally it is ok for you each to have your own policies but if either of you drive each other’s vehicle more than from time to time, you should be listed as an occasional. As a Broker, I can suggest that you would save a good bit of money and hassle if you just both join one policy. There are discounts for multi-vehicle that you would be entitled to.

Can you get utter coverage insurance on a salvage title car in Sacramento?

Response Yes with some companies you can. As long as repairs have been made. It could affect the amount you would get paid in event of loss tho’.

When your car is repossessed when do you cancel your insurance coverage?

The same day that you determine you aren’t getting it back. It would be wise to wait until then because if the bank repo’d it to kinda just remind you that being Trio payments behind isn’t a good thing, you might get it back and then you don’t have to go through the entire insurance application process again. ReactionYeah for sure do not cancel anything until it is no longer in your name either. I’d wait until the title transfer is finish as well. ResponseYou should cancel your insurance the moment your car is repossessed.The moment the car is hooked up(as the above two repo morons will tell you)it is no longer your car.So if you would like to cover someone elses vehicle with your insurance you go right ahead but you are wasting your money and your insurance coverage.Dishonest repo guys(like the above two scumbags) want you to keep the insurance on the vehicle so if they harm the car or steal stuff from it it will go on your insurance. Reaction Amendment: Never cancel an insurance policy until you have a fresh policy in place. If you do it will cost you more in the long run. Insurance companies are looking for loyalty and longevity without lapse in coverage. Sometimes you can possibly suspend, cancel or reduce coverage but never cancel it. The moment the vehicle is repossessed does not release you from the contract agreement. Read it. In most cases until the vehicle is transferred out of your name via the title of ownership, you must maintain physical harm coverage or they can force place it and take the premium out of the proceeds. Reduce to minimum but don’t cancel it.

What does the insurance company have to pay if you total your car with utter coverage?

Reaction .
They pay whatever the value is of your vehicle less the deductible..
The value they pay, in most cases, will be the trade-in value or average private sale value. Not enough to substitute the car even when you add the deductible..
Reaction .
anything you do with the car or any one else but beware when claiming on insurance they will charge you more next time

What are your options on a totaled 2005 financed car that had no insurance coverage?

Reaction .
You have no options! Should have got insurance.
Response .

There are none. You have the joy of paying off a car you no longer have. Best thing to do is attempt and sell it for parts.

Car insurance coverage needed?

Reaction .
If you are asking, “do you need car insurance to drive”, then yes you do. It is illegal to drive without it.

Is utter coverage insurance on a used car needed?

if you want coverage on ‘that’ vehicle yes…rule of thumb i always use is can i substitute this car without much trouble should it total? 2500.00 car yes, i could, 10k car, no i couldn’t…….and i weigh the cost of the premium for the collision and comp coverage on that vehicle…do coll and comp cost me 500 a year? well, in less than four years (due to depreciation) I’ve spent again what that 2500 car cost me……see?

Can you get total coverage auto insurance for a totaled car?

Has the vehicle been repaired and tested and title cleaned up? If so no problem, if not I suppose you can if the company you are requesting ins. from doesn’t do their homework. But I promise you should you have another loss, this will resurface.

How much car insurance coverage do you need?

Response .
each state has a minimum you must carry, but these are min. for example the state i live in only requires 10k for property harm…that’s not almost can’t hardly get a good used car for 10k anymore…this min. would mean : you are at fault and the harm you caused to the other vehicle (or vehicles/fences etc..all harm caused from one accident to the property of others) was say 15k (not uncommon), your policy would/could only pay 10k and now you are left with 5k to pay… so you need to review it cautiously, i personally have 50k on property harm, and 100/300k on bodily injury and uninsured motorist…what both of those coverages are: 100k (limit) per person and 300k per accident for any injuries i cause (under the bodily injury coverage) and same for uninsured motorist..that coverage pays for the injuries caused by an uninsured motorist…….clear as mud right?

Is it necessary for a college student to have auto insurance coverage when they do not have a car?

Response .
Very likely not, if you drive any vehicle with any regularity (siblings, parents when you’re homet etc) you need to be a listed driver, and rated on that policy.. If you periodically drive a friends car (with their permission of course), subject to any exclusions you should be fine. If you do not drive at all ever, then no, you do not need a policy….

Do you have to carry your car insurance coverage in your wallet?

Is a driver covered for rental cars if they have utter coverage insurance?

It depends on the exact insurance you have. To be sure just ring up your insurer give them your policy number , tell them what you want to do and ask them to confirm you are covered for it. Total coverage usually just means having liability, comprehensive, and collision coverages. Rental is something you pay extra to have.

Do you have to carry car insurance on a car you cosigned for?

No, BUT the person driving it does and if they fail to do so and the car is totaled then you will both be on the hook to pay off the loan…so its something to think about

When would you not carry total coverage auto insurance?

If you own a car outright and have paid off loans used to buy it, you are no longer required to have utter coverage insurance for it. At this point, it a private choice. If your car has worth that you cannot afford to lose in the case of an at-fault collision or theft. On the other mitt, if the vehicle is older or not worth so much, it may not be worth it to pay for utter coverage insurance.

Do insurance company fix your car if you have halfway coverage?

what is half way coverage? If you mean liability only, then no, they only pay for the harm you cause to the other persons vehicle or property. if you mean 50/50 both drivers were at fault, then each company will pay half, after deductables.

How much is utter coverage insurance on a fresh car?

The utter coverage of the old car isapproximately $60 to $100. It gonna be cheaper if you negated withthem. Fresh car is approximately $150 to $200.

How old can a car be and utter coverage insurance?

There is no age limit albeit the value of the car may not justify the cost of total coverage.

Can you buy liability insurance on a car that you are financing or does it have to be utter coverage?

Auto Finance companies typically require the buyer to purchase”Utter Coverage” insurance to protect their property until you havepaid it off. Just review the finance contract you signed when you made theagreement. It will detail your coverage requirements to avoiddefault on the finance note. If you fail to obey with your agreement, the lender generally hasthe option of purchasing the coverage at an insurer of their choiceand bill you for the extra cost (with interest) of acquiringthe coverage for you.

Coverage on auto insurance when you have a car loan?

Yes, you should get auto insurance coverage when you have a car loan, and even when you don’t have a car loan. The law requires it either way anytime a motor vehicle is operated on public roads..

Is there coverage if an uninsured person drives an insured person’s car?

If they drive with owners permission, yes. The holder may lose their capability to keep insurance if they permit a persn with a bad driving record to drive and they have an accident.

Does the driver carry the coverage on a vehicle or is it the car?

Automobile Insurance goes after the vehicle….not the driver. This said, in some cases, accidents can result in litigation in which the driver’s insurance policy can also have a claim filed against it. These cases usually involve more serious accidents such as vehicular homicide and DUI. A good rule of thumb is… loan your car then you also loan your Auto Insurance Policy. Therefore, if you loan your car to your good old pal or to your gf or bf and they total your car and cause property harm/ bodily injury……the claim is filed against YOUR auto insurance policy. Also, if you have anyone in your household, over the age of 16(regardless if they are licensed or not), you should disclose this to your insurance company. Some policies EXCLUDE drivers not listed on an Auto Insurance Policy. Don’t wait until claim time and find out that you are now financially responsible for somebody elses accident!

What and how does Acts of God coverage of an insured car works?

act of god is usually defined as a natural occurring event such as a branch on a tree falling and violating your window or a bird hitting your car events such as these are usually what the insurance company consider under act of god

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Can you cancel insurance coverage for an impounded car?

As far as yourinsureris worried, you may cancel your policy at any time. If your vehicle is being financed, however, yourlenderrequires that you maintain coverage forphysical harmto the vehicle at all times. Many lenders will require you to instantly pay off a vehicle that has been impounded. While your state has minimum requirements forliabilitycoverage, often you can capitulate your registration or submit a non-use affidavit and drop your liability coverage for an out-of-use vehicle.

What does the your insurance company do to a car if it is totaled and you only have liability coverage?

If you caused the accident and you totaled your car and you only have liability insurance, your insurance company does not do anything to your car. The car was taken away by the tow truck driver. You may pay to haul it somewhere to be repaired or you may sell it to a junk yard. If the other driver caused the accident, then his insurance company buys your car. It still goes to a junk yard to be recycled. That way, however, you will get some money. Either way, you are entitled to get your individual stuff out of the car.

Do you have to carry your car insurance coverage in your wallet?

What is a wallet and who carry it?

A wallet is a petite fold of cloth, leather, or anything simliar, that has pockets mainly used for storing reciepts, money, credit cards, or debit cards, and the occasional note. There is usually a design on the front. Boys usually carry them because they are petite and effortless to slip into pockets, however women carry them too, as purses can result in spinal injuries.

What car insurance company has the best coverage and rates?

There is no company that has the best coverage and there is no specific company with the best rates. I would shop around until you are convenient. Attempt this site where you can compare quotes from different

Can you get insurance coverage if you have never wielded a car before?

The reaction has a duo of aspects. 1. One does not need to own a car in order to get auto liability coverage. Instead, you can get “non-owners coverage” which will provide liability coverage regardless of the car that you are driving. Such insurance does not provide physical harm coverage for the car, but does protect you from legal liability to another if you are negligent in the operation of the car that you are driving. Two. In order to get physical harm coverage on the carm you must have an “insurable interest” in it. This means that you must have a stake in the continued existence and value of the car. That can arise from ownership of it or the leasing of it. In the latter case, you are responsible for returning it in good physical condition; to that extent, you have an insurable interest.

Do you have to have insurance total coverage if you are not driving a car that you are still paying on?

Yes & No. You still have to have liability coverage, which is the lowest type of car insurance, if you plan on driving another person’s vehicle. Because, several years ago, I drove my friend’s vehicle and the brakes went out and I rear-ended another vehicle. My friend did not have insurance on his vehicle, so my license was suspended for three months for no insurance. I advised the DMV that the vehicle wasn’t mine! But, they told me that it doesn’t matter! I should have had liability insurance anyways, if I was planning on driving someone Else’s vehicle!

Who needs total coverage car insurance?

People who need utter coverage car insurance include those who use their cars often. So, that includes people who go to work early, and often, people who attend university and use their car as a form of transit or even if you need to go to a friends house every week.

Does Ensleigh car insurance suggest utter coverage for customers?

Yes. Ensleigh Insurance does suggest total coverage. Granted, this will come at a pretty steep cost depending on your age, credit history, and type of car.

What is the best car insurance for utter coverage?

The best car insurance is based upon your individual sittuation. It all depends on things like the size of your family, your budget and your driving records from the past. So there indeed is no ‘best’ car insurance.

Can a car be repossessed over having liability coverage insurance instead of utter coverage?

If the lender required total coverage (to protect their interests)as a condition of the loan and you drop it and substitute it with aliability only policy, then you havebreached the terms of theloan . The lender now has the right to announce the loan indefault andrequest instantaneous payment in total of principle andinterest . Failure to pay as demanded then gives them the rightto repossess the car and have it auctioned. If the auction does notget enough money they can sue you for the difference!

What kind of coverage does Hartford Car Insurance suggest?

Hartford Car Insurance offers a broad range of coverage including: The usual Collision, Comprehensive, Glass, Towing & Labor, and Rental. It also offers: Bodily Injury Protection, Property Harm Liability, Uninsured Motorist Bodily Injury and Property Harm, Underinsured Motorists, Private Injury Protection, Medical Payments

When a car has a Salvage Title can you get total insurance coverage on it in California?

I believe you can, butcollision and comprehensive would be atotal waste of your moneyon such vehicles and any responsibleagent should inform you of that before agreeing to sell you thepolicy. So while you can, you shouldn’t!

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Does Hartford Car Insurance suggest coverage for a motorcycle?

Hartford Car Insurance does not suggest coverage for motorcycles. However, members can build up access to AARP Motorcycle Insurance through Foremost by calling 1-800-752-2461.

What insurance coverage covers rental cars or other cars?

I believe that AAA and State Farm do this automatically. But in general, you should be able to get a policy that includes rental car coverage in case of accident. There may be an extra cost to that policy.

Do you have to carry your car insurance coverage in your wallet?

How can you get liability insurance coverage for a person attempting to get their license using your car and you already have coverage?

You just contact your insurer and add the fresh driver to your insurance policy. Otherwise you are permitting an un-insured driver to operate your vehicle. Bear in mind that a claimant cansue both the driver and the proprietorof the vehicle if they have been injured in an accident. They can sue the driver because he was thr direct cause of the accident. They can sue the proprietor for negligence because he permitted the un-insured driver to operate the vehicle.

How do you get total coverage car insurance?

In order for one to acquire utter coverage car insurance on their automobile, one must finish a series of tasks. Step One: Purchase a Vehicle. Step Two: Call Progressive, where i can assist you in choosing what is right for you. Step Three: Avoid taking left turns on your way to work. Left turns are statistically more common for provoking Silverback Gorilla attack. Step Four: Request Total Coverage Insurance when you consult your Progressive agent. I hope i have assisted you in your process. Flo Progressive Sales Agent

Does the dealer you buy the car from have some type of insurance coverage?

When you test drive it, yes. Once you commit to buy it, insuranceis your responsibility.

Can I use the auto insurance coverage on my for rental car insurance?

Absolutely, your private insurance can transfer the coverage you have on your individual policy to the rental car thus saving you a good bit of money by not purchasing the coverage from the rental company. But before you do this speak with your agent and make sure your policy will transfer coverage to the rental car and that it has comprehensive and collission coverage to transfer. Many company suggest transfer of coverage to the rental car but also there are many policies that do not provide this transfer of coverage. Make sure you have the correct kind. If there is any question, please go ahead and purchase the coverage suggested by the rental company. I hope this is of assistance.

When to drop utter coverage car insurance?

You should only drop the physical harm part of your insurance if your vehicle is paid for in total and when you no longer would need help substituting or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical harm coverage exceeds the benefit of substituting the value of the vehicle.

What is the cost of total coverage car insurance?

Utter coverage for car insurance usually depends on where you live, what kind of car you drive, your age and how far you plan to travel. Typically figure about 800 dollars a year.

What are some common gap car insurance coverage exclusions?

Gap car insurance excludes any equipment that was not factory installed on the car, unpaid or overdue lease or loan payments, and money that was “flipped” into the car such as trade in vehicles.

What coverage is provided when purchasing standard car insurance?

Coverage that is provided when purchasing standard car insurance are liability coverage and the legal right to drive. There are two liability coverages: bodily injury and property harm liability.

Where can a person obtain European car breakdown insurance coverage?

A number of insurance companies suggest a European car breakdown insurance coverage to one travelling to Europe. Belair Direct, TD insurance, Allstate, Aviva and AA suggest this coverage.

Where can a women find car insurance with good coverage in the UK?

Car Insurance for woman in the United Kingdom can lightly be purchased online through the Diamond Insurance Company. Their service includes many free features as well.

What is windscreen car insurance coverage?

Windscreen is an optional car insurance coverage for your insurance policy. It meansyour bruised windscreen can be repaired without recurring costs and no effect on your no claims bonus.

Can you have umpd coverage if you only carry liability insurance?

Sure. You will ahve to purchase UMBI and UMPD as they only come together but thst shouldn’t be an issue. You don’t have to have Comprehensive and Collision or any other coverages in order to get Uninsured Motorists coverage. I stiffly recommend UM to all my clients whether or not they have any other coverages other than liability. You cannot purchase boundaries of uninsured motorists coverage that are higher than your liability coverages.

Will utter coverage car insurance cover electrical?

Physical Harm coverage on an auto policy covers all parts of the car that are bruised in a covered loss or covered accident. Maintenance issues are not covered on auto insurance.

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