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.
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.
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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