related to automobile insurance. There is also a generic insurance tag.

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0answers
17 views

Insurance for car rental [duplicate]

I'm trying to find the best way to have a good insurance coverage when renting a car without a credit card or car insurance. Here is my situation: I've arrived 6 months ago in the US, and am ...
3
votes
1answer
46 views

Car insurance with foreign and domestic Driver's License

I am currently living in the U.S. I am looking to get a car insurance and wonder how they calculate my rate. As I know it from Germany, they calculate the risk with a formula depending on where I live,...
3
votes
1answer
44 views

How do I go about getting Non Owners Auto Insurance in NJ

I'm currently in the US as a non immigrant worker and a resident of Jersey City, NJ. I've recently got a NJ drivers license, I don't own a vehicle and been renting cars over the weekends to see places....
0
votes
1answer
30 views

Auto liability insurance and underinsured policy

I live in MA. Recently I was in an accident where the over driver was at-fault 100% and is not contesting this. I was moderately injured and had several dr appoints and tests for broken ribs and being ...
8
votes
1answer
276 views

Oh, hail. Totaled car, confused about buy-back options

I have a Toyota 4Runner Limited - V8, 4x4, nav, you name it. During our oh-so-wonderful hail experience last week (I was momentarily knocked our by a softball-sized chunk of the stuff), it received a ...
1
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1answer
53 views

Car under the dealer's warranty

I just bought a car from a dealer and according to the law, they have provided a 3-month warranty to pay half a price for the repairs in case the car breaks. The car broke down and I need to have it ...
2
votes
1answer
112 views

How do I minimize my risk when loaning someone my car?

My wife and I recently had a third child, so we bought a minivan to replace her compact car. Since the car is over 10 years old with almost 150K miles, we know it won't bring us much money, so there ...
9
votes
1answer
228 views

Should I keep the hail damage insurance payout for my car

I'm not sure if this is the right place to ask this. I'm in the US. I just got hail damage on my 2014 Toyota Corolla. As far as I can tell, it's all cosmetic. No damage to the windows, but a lot of ...
3
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3answers
60 views

Can you get umbrella insurance from a different company from where you get your basic home/auto insurance?

I presently have auto and house insurance with a single company (call it company X). They have a local agent and the cost and responsiveness is quite nice, so I'd rather not leave them. However, the ...
0
votes
2answers
121 views

car insurance - 2 cars, can I have 2 separate NCD

I know that I cannot use No Claims Discount on the second car but my question will be a little bit different. I build 4 years NCB in last 4 years. But there was a moment when I bought second car. When ...
3
votes
2answers
77 views

Do I need Personal Injury Protection if we have great health insurance?

We don't have any maxes on our insurance and our deductibles are not too bad so it seems like carrying personal injury protection on our car insurance is a waste. I want to lower it to the min 20/40k ...
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votes
1answer
162 views

Do you need to have insurance on an unused car?

I'm buying a car and garaging it until I can fix it. Do I need to have insurance on it to be able to register it (so I won't get fined for not registering it) or can I just register it like that since ...
0
votes
1answer
47 views

In Canada, does liability auto insurance cover damages caused to the other vehicle(s)?

In Canada, collision and comprehensive auto insurance is optional, and a driver does not have to get them to get a lower premium. If a driver only has liability auto insurance, does that cover the ...
1
vote
1answer
125 views

Non-owner car insurance and registration

Given the following scenario for my wife, what should I be watching out for? Specific to the United States - her father, along with his friend, bought a car to give to her, with traditional 72-month ...
2
votes
1answer
90 views

Insurance coverage for a difficult to find vehicle

How will a claim and potential lawsuit go for a vehicle which is only booked on Nada at $17k high retail, but would cost $25k - $35k or more to find a replacement in average condition/poor condition? ...
0
votes
0answers
40 views

Need a higher car insurance premium as a dependant?

I'm looking to purchase a new car; my current car is 15 years old and has a lot of miles on it. I started a new job that is much further away from home and I need something more reliable. Anyway, I ...
0
votes
0answers
46 views

Car insurance in USA & allowing a relative to use the insured car full time

I have two cars: Car A that I have a bank loan on and am making payments on Car B that I have leased I was the only applicant when I purchased Car A and also when I leased Car B, so as far as I ...
2
votes
1answer
92 views

Are car insurances in some states (in USA) typically sold for 6 months at a time?

I recently moved from MA to FL and because my car insurance was about to expire, and I in any case need to get a Florida insurance, I have been shopping for a new car insurance online. The car ...
2
votes
0answers
68 views

What to do when an auto insurance company files a lawsuit? [closed]

I recently had a car wreck. There were two cars involved (including myself), so this is a pretty simple scenario. The police officer came to the site, and determined this was nobody's fault. My ...
2
votes
1answer
97 views

Should I be added as a driver on the insurance for 2 months?

I'm going to be living with my brother for 2 months, since I've moved to his city for a project. I was wondering if I can drive his car without him adding me to his auto insurance? I'm technically not ...
8
votes
1answer
143 views

Does 3rd party car insurance cover damage to phone?

I was knocked off my bicycle by a car driver. He stopped and offered to pay for damages. My phone was broken in the incident. He says that his insurance does not cover it, and he is only willing to ...
4
votes
4answers
269 views

Higher auto insurance costs: keep car or switch to public transit?

In the next couple months, my personal situation will change leaving me with an important decision to make vis-a-vis my vehicle and modes of transportation. My current situation: living in the ...
1
vote
1answer
173 views

Is my car overinsured if my net worth is high enough?

My net worth is approx. 200k (distributed in checking for emergency, bonds indices for bigger emergency, and stocks for retirement) and I make between 15k-35k per year (it varies). I've been accident-...
8
votes
3answers
832 views

Does liability auto insurance protect any of your assets?

I'm confused about the Liability auto insurance. Some online resources appear to say that you must have as much liability insurance as the total value of all your assets, whereas others just say to ...
0
votes
0answers
169 views

Can the legal owner of a vehicle cancel a change of keeper request?

I am the legal owner of a car. I don't posses a Full UK Licence (I have a Provisional) so whilst I was waiting for my test I transferred the car to a friend (V5) which made him the registered keeper. ...
1
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1answer
336 views

Can I cancel auto insurance for the car at home while travelling abroad?

I am a resident of North Carolina and will be travelling outside US for a few months. Thus I will not be driving my car while gone. I'll either leave the car in a garage for storage or leave it for my ...
6
votes
2answers
199 views

Rental Car Company or Insurance Provider: Whom Do I Call First?

Scenario: I have a 7-day rental on a car from Budget Rent-A-Car. I purchased the rental it with my Capital One Platinum MasterCard, which has rental car coverage. During the evening--below freezing ...
0
votes
0answers
79 views

Car insurance quote partially based on current Bodily Injury Liability?

In my search for a better car insurance rate, I got a quote from a particular site. I reviewed the data I entered and mistakenly changed my current Bodily Injury Liability amount to the amount I ...
2
votes
2answers
295 views

My wife and I own two cars. Which of us need to be insured on each?

We have two cars; one is a 14 plate Skoda estate lease car. The terms of the lease say I need to have fully-comprehensive insurance. We also have an old W-reg Renault for my wife, with me as the ...
1
vote
0answers
130 views

insuring my car under girlfriends policy

I live in Indiana in an apartment with my girlfriend, just bought a car with her as a cosigner but her name is not on registration. Can she insure the car under her policy with me as a driver.
5
votes
1answer
473 views

Car accident, my fault what happens with my insurance?

Today I was involved in a low speed accident. The driver in front was pulling into the roundabout and stalled his car. I hit the vehicle at around 5-10mph. My question is what happens with regards to ...
-1
votes
1answer
169 views

Is my car insurance trying to pull money out of me?

I had a parking lot accident a month back (in California, US). I was backing out from my parking lot (which is near entrance driveway into the apartment complex). There was no car on both sides of ...
4
votes
1answer
4k 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
138 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
60 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 ...
4
votes
2answers
133 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 ...
7
votes
3answers
2k 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 ...
5
votes
2answers
572 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 ...
6
votes
2answers
162 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
46 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
73 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
1k 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
78 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 $...
3
votes
2answers
143 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
148 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 ...
14
votes
3answers
6k 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 ~$6K (~$...
7
votes
3answers
3k 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
133 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
155 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
303 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 ...