Auto Insurance Rate in Maryland
Reader’s Question:
I’m wondering if an insurance policy in Baltimore, Maryland is written with two adult names and one of them dies, is the premium lowered?
Frances
Baltimore, MD
Good question Frances. If there are two adults on an insurance policy and one of them is taken off of the policy (for many reasons, such as death), then the rate can be affected. It may possibly be lowered, it depends upon the rating system and if the insurance policy premiums were higher at all due to the second adult driver being on the insurance policy.
Contact your insurance agent in Baltimore, MD since insurance guidelines and rating systems differ, to find out how your specific insurance companies rating system works and how your rates would be affected in this type of situation. If your rates would not be lowered you can compare by shopping online if you have internet access, for better car insurance rates. The only rating factor difference that some rating systems may see for is a widow versus single, but typically a widow rating variable would cost less than a single rating variable.
Do I Need Liability Or Comprehensive Auto Insurance Coverage?
Reader’s Question:
My car is already 10 years old, is there a point when one should consider not having liability, or comprehensive and collision insurance policy in Wilmington, Delaware?
Michael
Wilmington, DE
Car insurance and the types of optional insurance put on a certain vehicle are personal choices one has to make depending on the individuals financial and overall situation. Most states require some type of liability insurance on a car, so typically there is not a point in time in which to take off the state mandated liability insurance, unless you have sold or gotten rid of the car.
In order to confirm if you think physical damage (PD) insurance, comprehensive and collision, are necessary for your car first determine the value of your car. You then can weigh the value of your vehicle against your PD premium, as well as the deductible amount you would pay if you needed to use these coverages. An older vehicle that has a lowered actual cash value (ACV) may not be worth the extra expense of comprehensive and collision coverage, so you do not want to pay more for insurance than the vehicle you are protecting is actually worth. If you decide you want to keep comprehensive and collision on your car, you may see if you can lower your premiums for these coverages by raising your deductible. You may check as well if there are any discounts available for you in Wilmington, DE. If you decided that your vehicle does not need physical damage coverages any longer, you still will need to keep the state’s mandated minimum liability insurance on the vehicle.
I Was In an Acciden Now I Need To File An Auto Insurance Claim?
Reader’s Question:
What if I get into an accident in and the other driver doesn’t have car insurance? What if the other driver caused the accident, what would happen?
Denver
Huntsville, AL
In Huntsville and in any areas in Alabama, all drivers are mandated by law to carry 20/40 liability insurance to cover injuries or death of another in an accident. There are two potential problems: first, the driver is illegally driving without car insurance. Second, the driver only carries a minimum insurance coverage and your losses or car damages exceed that amount.
Most car insurance policies include Uninsured Motorist/Underinsured Motorist (UM/UIM) coverage. If the other uninsured driver was the one who caused the accident, your own insurance policy will pay for your personal injuries, if you have “uninsured motorist” or medical payments” coverage. If the other driver’s auto insurance coverage is not enough to pay for all of your damages, your own insurance may pay the difference, if you have “underinsured motorist” coverage. If you do not have these kinds of car insurance or if your damages are more than the policy’s limit, you can sue the other driver’s negligence. If the other driver’s negligence was the cause of the accident, occupants in your car are covered for medical expenses and lost wages for a minimum of $20,000 per individual/$40,000 per accident. Thus, it will be best for drivers to purchase more than the minimum coverage. Also, it may be necessary to take your insurance company to court if they are not willing to cover the claim.
I Need Auto Insurance Help In Colorado
Reader’s Question:
I know that in Lakewood Colorado, where I currently reside, there is a Motor Vehicle Insurance Data Base Law. What information does the database contain and what information is submitted by insurance companies?
Billy
Lakewood, CO
In Colorado, based on auto insurance laws, a statewide database has been established to track compliance and noncompliance within Colorado, of motor vehicle insurance requirements. On a monthly basis, car insurance companies are mandated to submit information on policies issued during the previous month. This information is also submitted to the database by vehicle registration offices on vehicles registered.
The database includes information about your Colorado driver’s license, vehicle, and any information submitted by insurance companies regarding insured vehicles and all individuals listed as insured on your policy. Information submitted by car insurance companies includes: the Vehicle Identification Number (VIN), make and year of the vehicle, and the name, date of birth, driver’s license number, and address of each individual insured or owner on the policy. This information allows for a match to the Colorado State vehicle and driver files. If in case you have been stopped by a police officer and you do not have evidence of insurance in your car or you are not listed in the database as having insurance, your driver’s license is subject to confiscation and suspension. Per CRS 42-2-127.7 you may request for a hearing or present proof of insurance that was valid at the time you were stopped, at a driver’s license office or at 1881 Pierce Street in Lakewood, Colorado.
Personal Injury Protection Albany Georgia GA
Reader’s Question:
Is Personal Injury Protection PIP coverage for auto insurance in Albany, GA necessary for my car in case of automobile accidents?
Mike
Albany, Georgia
Personal injury protection insurance, or simply called PIP, is an insurance specifically relating to injuries of your own; thus, it is called “personal injury”. It is often an addition to your car insurance and will cover some, if not all, medical expenses and sometimes even personal damage related to the injury, but not to the treatment of it (for example; lost wages during recovery or other similar attributes).
Albany, Georgia automobile insurance laws do not require an individual to carry Personal Injury Protection (PIP). However, purchasing PIP coverage is a good idea because it will cover your own expenses if you are injured in an accident that is caused by the other driver or someone else’s fault.
PIP coverage covers the medical expenses for you and your passengers that exceed the other driver’s coverage. For example, if you are in an accident with a minimally insured driver, and you and your passenger each have $35,000 in medical bills, however, the other driver’s insurance will only cover $25,000 of those bills. If you are unable to collect the full cost directly from the other driver, this will leave you to pay $10,000 out of your own pocket. But if you have PIP coverage, your own car insurance company will make up the difference.
Tags: auto insurance
Cheap Basic Liability Auto Insurance Coverage in Kansas
Reader’s Question:
What is the basic liability car insurance coverage in Kansas? What are differences between each coverages provided within a car insurance policy?
Wilfred
Topeka, KS
Kansas law requires its citizens to purchase a minimum amount of car insurance. Car insurance is best used to protect yourself against expenses you could not otherwise afford due to any car accident. When you purchase an auto insurance policy in Topeka, KS, you are actually buying several individual coverages. Each insurance coverage protects you against various types of losses. Generally, there are six basic coverages in car insurance, these are: Bodily Injury Liability which covers for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs, if you or your family are at fault in a car accident. In addition, it pays for settlements of lawsuits and your legal expenses. Property Damage Liability that covers when you or your family members damage other property in an accident. This auto insurance coverage pays for the repair, replacement, or cash value of the other owner’s property. This auto insurance coverage also pays for your legal expenses. Personal Injury Protection (PIP or No-Fault) covers the rehabilitation, medical expenses, funeral expenses, lost wages, and in-home assistance for you and your passengers injured in an accident, regardless of who was at fault at the accident. Passengers who own their own vehicles collect under their own insurance policy. Uninsured/Underinsured Motorist Protection covers you or your passengers for rehabilitation, medical and funeral costs. It also covers settlements of lawsuits resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist. Yourself and your family are covered as pedestrians or when riding a bicycle. Collision coverage pays for the repair of your car in a collision or rollover, regardless of who was at fault. If your car is totaled, it pays for replacement of your car at current market value, minus the deductible. Comprehensive coverage pays for the repair of auto damage caused by windstorm, flood, fire, hail, vandalism, hitting an animal and some other events. If your car (or any covered part) is stolen, the company will replace your car (or parts) at current market value, minus the deductible.
Bodily injury liability, Property damage liability, PIP/No-Fault and UM/UIM coverage are mandatory under Kansas auto insurance law. On the other hand, Collision and Comprehensive coverage are not mandatory.
Do You Need Antique Car Insurance In Texas?
Reader’s Question:
How do I get insurance for my antique car in Lubbock, Texas?
Brett
Lubbock, TX
There are people that collect antique car as a leisure pursuit and these antique cars also require insurance cover on them. Your work is to find out the company which provides car insurance for an antique car in Lubbock Texas. If you’re going to invest a great deal of money in purchasing an antique car, then a proper car insurance for an antique car policy will properly compliment your investment.
Not all car insurance providers insure all types of cars. There are different kinds of antique cars. This includes exotic cars, military vehicles, motorcycles, tractors and trucks. As such, different antique car insurance policies will be needed to cover the different makes and models of cars that are out there in the market. Keep in mind that when choosing an antique car policy, you need to take into consideration the antique car’s equity value.
A person looking for an antique car insurance needs to be careful in understanding the terms of the insurance policy. Contractual language in most insurance policies is difficult to understand without an interpreter and the meanings of some language may seem to be contradicted in other areas of the contract. As a customer, you need to know all areas of the contract so that you’ll know that you’re getting the best deal.
Lease Car Insurance – Does Vehicle Have To Be In My Name?
Reader’s Question:
I lease 2 vehicles and have auto insurance on both cars in Brookline, MA. My girlfriend drives one of the vehicles but canceled her insurance because neither vehicle is in her name. Does she still need insurance or are the vehicles insured under my auto insurance policy even though she is driving it? She is not listed on my policy.
Paul
Brookline, MA
Insurance carrier’s guidelines and insurance policy terms very so you need to verify with your specific insurance carrier to make sure that your girlfriend is covered when she drives your vehicles. You would not want her to get into an accident while driving one of your vehicles only to find out that she was not covered properly by your insurance company.
It is likely that your insurance company in MA will require her to be added to your car insurance policy since it appears that he is using one or both of your leased vehicles on a frequent basis.
Cheap Car Insurance For Young Driver in California
Reader’s Question:
Can I get a separate insurance policy with a different insurance company for an additional car in the household? I planning purchase another vehicle and add my 18-year old son as an occasional driver. My current insurance provider said that my car insurance rates will double because they said the car that I am planning to purchase will be driven primarily by my son. I checked different quotes with a different insurance company with myself as the insured and my son as an additional driver and the quote was very low. We live in Baldwin Park California.
Michelle
Baldwin Park, CA
Yes, you can purchase a separate insurance policy for the new car from a different car insurance company in some situations but all insurance providers have to be informed of all drivers and exclude them or rate them on the their car insurance policy.
Additionally, many insurance companies will require the liability limits to be the same on all insurance policies because both policies can be held responsible in certain car insurance claim situations.
You may shop around for car insurance quotes for all the cars to be placed on one insurance policy online.
Do I Need Additional Auto Insurance For Pizza Delivery Vehicle?
Reader’s Question:
If I were to get a work as a pizza delivery driver in Watertown, South Dakota, do I need to buy additional car insurance to cover me while on the job?
Snyder
Watertown, SD
According to the South Dakota Department of Insurance most personal car insurance policies will exclude coverage for the car while it is being used for “business purposes” such as pizza delivery. Many car insurance policies in fact have exclusion for using your vehicle for delivery purposes like this.
You can talk with your insurance agent if your personal vehicle insurance policy will cover you as a delivery boy, but likely it will not. The restaurant you work for may already have car insurance liability protection for this kind of activity to cover the restaurant’s exposure. This may however not protect you if an accident happens. The restaurant will typically require additional insurance to protect themselves if you are negligent.
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