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4
votes
1answer
129 views

Car Accident - Can I get Cash/Check instead?

My vehicle (pick-up truck) was legally parked on a street and a car struck my truck and caused some damage to the body and bumper. When I called, the other driver's insurance company told me to take ...
1
vote
2answers
70 views

Car insurance versus personal liability insurance

I'm in the market for car insurance for the first time, and I'm trying to understand the best way to approach it. I've talked to some insurance salesmen, and they consistently try to convince me that ...
1
vote
1answer
56 views

Motor insurance terms

Recently I have purchase motor insurance which includes following wording: Except for any person named against this Endorsement in the Schedule, we will not pay for any claim which arises while ...
3
votes
2answers
57 views

Equifax credit report insurance quotations

I have just ordered a credit report from equifax. The credit report shows up all healthy except for a large number of (genuine) 'insurance quotations'. These are car insurance quotations that I have ...
5
votes
2answers
221 views

Why does my insurance premium go up when I remove my wife?

I was messing around with my insurance policy to see if I could get my premium to go down a little bit, so I was just curious; How much is my wife making my premium go up? As it stood, my premium ...
2
votes
0answers
118 views

How do I judge if I am being made a fair offer by a car insurance company?

My girlfriend got into an accident with her (registered under my name) 2003 Honda civic. She was pulling out of the drive way(taking a right, basically parallel to the road) and got hit on the quarter ...
6
votes
2answers
139 views

How to deal with insurance when renting a car from an individual?

I need an extra car for 2 months, and all car rentals were $800/month and up. A friend offered to rent me his extra car for $450/month. He said it costs him $160/month for insurance, which sounds like ...
-1
votes
1answer
35 views

Car Insurance Amount not debited

My Car insurance expired on 15th Feb 2014. I issued the check to broker on same day that is on 15th Feb, he gave me the receipt of check, but the amount of check has not been debited from my account. ...
2
votes
1answer
59 views

Insurance quote - Report Moving Violation

I am trying to get renters' insurance and move car insurance all to the same company for a multi-line discount. I live in CA, USA, and had a speeding ticket last year, but it was held confidential ...
3
votes
1answer
461 views

How can I find car insurance with 3 major claims on my record?

In short: I have 2 total losses on my record due to city vehicles pulling out in front of me. They were at fault but the insurance companies don't care. My wife has an at fault accident which was a ...
1
vote
1answer
59 views

Do insurance companies pay for court appearance?

I was insured for $200K liability and got into an accident in 2011. The other party had a fractured ankle and filed a lawsuit against me after almost a year, asking for monetary compensation of about ...
2
votes
2answers
111 views

Method for calculating the wisest amount of liability to purchase for car & home insurance?

I've seen the advice to get enough liability insurance as you have in total assets, i.e. if your owned home, owned car & savings = $100,000, then get $100,000 liability coverage. What is the ...
4
votes
2answers
118 views

When driving in the USA, how do I insure against large third party claims?

I've been looking into travelling to the USA (CA specifically) later this year, and hiring a car whilst I'm there. As I understand the American legal system, if I should get into an accident and be ...
11
votes
3answers
2k views

When does it make sense to cancel collision and comprehensive auto insurance?

I have owned my car for about 8 years now and have had collision and comprehensive auto insurance the whole time. The starting value of the car was around $20K. The trade-in value is currently ~$6K ...
4
votes
3answers
919 views

When to swap from 50k/100k/50k auto policy to something higher, 100k/300k/50k or more?

In the course of adding myself to my girlfriend's renters insurance, it came to light that I still had 50k/100k/50k liability (50k individual, 100k total over accident, 50k property). This is ...
4
votes
1answer
125 views

No Claims Discount

In the UK, if I am involved in an accident that is not my fault will I lose my No Claims Discount? If the No Claims Discount is protected, can I still move to another insurer?
2
votes
4answers
131 views

Canceling credit cards - insurance rate increase?

So, in the U.S., everyone seems to want to have a great credit score. But, if you are doing well financially, you probably won't have much debt. In fact, I don't really want to have a bunch of ...
3
votes
2answers
232 views

Going carless: how long before insurance no-claims benefits and good history become invalid should wish to become a car owner in future?

Going carless: how long before car insurance no-claims benefits and good history become invalid should wish to become a car owner in future? Update: Based in UK, would keep license. Reason for going ...
2
votes
2answers
75 views

How to balance spending on different types of insurance?

Given that I'm spending $x per year on insurance, I would like to know how to most efficiently spend that money (on car, house, disability insurance etc) in order to minimize my overall risk of loss. ...
0
votes
2answers
1k views

Auto insurance- should I add my girlfriend?

Im shopping around for insurance and have almost decided on Allstate because of the low cost on my two vehicles and renters insurance. My girlfriend and I bought a 2008 Nissan Altima two days ago and ...
3
votes
3answers
1k views

How can I improve my auto insurance score?

My auto insurance score on Credit Karma is 805. It also says insurability is poor. I was wondering if there is a way to improve that score? I have never had an accident and I am never late on my ...
13
votes
8answers
625 views

What would I miss out on by self insuring my car?

I've been thinking lately that it might make sense to drop comprehensive and collision and self-insure these risks (obviosuly I'd keep the liability insurance). Basically, I'd keep around in a fairly ...
6
votes
4answers
983 views

Should I file an insurance claim for a door ding?

I purchased a new black sedan in January of this year. A few months back, the car was keyed, and therefore I filed an insurance claim and to get it fixed. Now, today, I find that the door has ...
5
votes
6answers
530 views

I am thinking about cancelling my car insurance. Will there be any hidden costs down the road?

I own my car outright and just moved to a large city. Public transportation and access to a roommate's car makes transportation easy. I am thinking about storing my car at my parents house and ...
4
votes
1answer
93 views

What is the value of Personal Injury Insurance riders on an auto insurance policy?

I'm renewing my auto insurance policy and found that +10% of the renewal quote is for a Personal Injury Protection. My health insurance is adequate (for now) and the protection from the rider seems ...
5
votes
2answers
356 views

Car insurance for infrequent drivers

What car insurance is available for people who drive infrequently and/or drive a very small number of miles per year (say less than 500 miles/year)? I just moved somewhere that allows me to walk and ...
5
votes
6answers
8k views

Do I need to add my girlfriend as a driver on my car insurance?

I live in an apartment with my girlfriend and when I request a quote on the car insurance websites it asks me if I'm the only driver in my household. It's my car but she would likely drive it ...
4
votes
5answers
7k views

How can I determine how much my car insurance will cost me?

I'm 25 and I've been rear-ended once when I was 16 or 17. I've never been in any other accidents or had any speeding tickets. I am currently on my mothers insurance and driving her car. I will be ...