Do I need to buy car insurance insurance before I purchase a new commercial vehicle in Anaheim, CA?

Diane

Anaheim, CA

If this is your first vehicle, yes, you will have to purchase car insurance before you drive your new automobile in Anaheim, CA off the dealer’s lot. If you are financing the purchase, the lien holder will require that you purchase an insurance policy with collision and comprehensive coverage.

If you already have a car insurance policy, and you are replacing a car generally it will cover your new vehicle for a few days (regulated by each individual state and/or company). Once that period is over, check with your insurance carrier to confirm that the new automobile has been added to your car insurance policy.

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.

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.

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.

Will I be needing a Las Vegas Nevada drivers license to insure my vehicle for just six months? Or my international drivers license is enough? Where can I get one?

Luis

Las Vegas, NV

When purchasing a car insurance policy in Las Vegas Nevada you should expect to have a Nevada driver’s license or you should expect to obtain one in order to be insured in the US.

There may be some insurance companies in Nevada that will insure you in the US with an international license, but most insurance providers require you to get a drivers license in Nevada before buying insurance or within 30 days after getting coverage.

Some insurance companies will require you to have a drivers license or in the process of getting a US license. You may start checking online for insurance companies that will allow you to insure your car without US drivers license.

Tags: auto insurance