Questions tagged [car-insurance]

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

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votes
4answers
176 views

Cheapest Auto Insurance - company compensates other driver in an accident only if I can't

I don't have any current (auto or home or renter's) insurance and need to rent a car for one week in Minnesota. The minimum, after tax, cost I can find is $280, but this includes no insurance (I even ...
0
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0answers
8 views

Full Term Effective Date vs. Policy Tenure Date

Suppose we have an auto insurance policy. Is there a difference between the full term effective date of this policy versus the tenure date of the policy? What exactly does tenure date mean? I know ...
15
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5answers
4k views

Why is net worth a recommended minimum for insurance coverage

My auto insurance recommends taking out a policy with a liability limit of at least my net worth. This doesn't seem intuitive to me in that the less money you have, the more a big bill is going to ...
3
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2answers
182 views

Does it cost more to buy a car insurance without having a US driver's license?

Can I buy a car insurance for a used car I bought when I am a new student in the US without SSN and the US drive's license, but I have my home country's driver's license? If so, does it cost more than ...
12
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7answers
14k views

Could I take my car even though my mom says no?

I have recently moved out of my mother's house. I'm 19. My mom gave me her car since she got another one. I pay the car payments but she pays the insurance, but she expects me to pay all the month’s ...
3
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2answers
766 views

Totaled the car *after* repairs were already made; is this insurance company incompetent or is someone engaged in a scam?

The basic scenario and question My car was "totaled" by my insurance company, but they did so only after repairs were made. They wound up paying the body shop for the repairs, as well as ...
8
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2answers
432 views

What is my registered address for UK car insurance?

I am about to buy a car and I need to put down my registered address for both the car insurance and VC5 logbook etc. I own a house in City X, and this is where I work and vote etc. However, due to ...
-1
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1answer
44 views

Journals for credit with suppliers

How would I keep a record of payments with an insurance supplier (Zego if that helps) if they bill on the basis that the account gets topped up with credit, then they deduct from the credit on a pay ...
2
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1answer
73 views

I have repeatedly asked for no-claims certificate from previous insurer, but have not received, what can I do?

I have been insured with the same car insurance company for three years and this year I decided to find a cheaper insurer, which I did. I am now one month into my policy with the new insurance company ...
5
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3answers
474 views

Auto Insurance in Michigan: What is the need for liability covereage?

I live in Michigan. Recently, state law changed such that we have "no-fault" auto insurance. We still must hold liability of $50,000 per person, $100,000 per accident. Since we are in a &...
18
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5answers
7k views

In the United States, how do you get car insurance (auto liability) which is valid no matter what car you are driving?

Almost all auto insurers I speak with require that I give them the model and make of the car I will be driving. For example: Chevrolet Silverado Honda Civic Subaru Outback Consider if I got in a car ...
1
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2answers
75 views

What advice do you have for a first-time used car buyer in terms of paperwork and/or legal documents?

My question is about the basic legalities of buying a car in the United States, not anywhere else in the world. I have never bought a car before in my life. I was looking at some used cars for sale on ...
1
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1answer
250 views

Can you get car insurance without a driving license?

My car insurance is coming up for renewal soon. Me and my girlfriend (EEA foreigner) are insured on our car. I'm totally fine and have no problems, I've always had a standard UK license. My girlfriend ...
1
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2answers
59 views

Validity of an exchanged foreign driving license

I exchanged my EU driving license (obtained back in 2004) into a UK one in 2015. The UK driving license therefore says 2015 under 'Date of Issue'. I'm in the process of getting quotes for car ...
2
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0answers
121 views

Turning 30, getting driver's license for the first time, need insurance

This is a bit embarrassing, but I am turning 30 and am just now trying to get a driver's license for the first time. I own my own car, just bought it recently to learn to drive, but I don't have a ...
1
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1answer
87 views

Why don't insurance companies cover you if you didn't pay the month but still they require you to pay this period?

Why don't insurance companies cover you if you didn't pay the month in advance yet they require you to pay the full month along with interest if you're overdue? If you pay at 10th of the month, then ...
1
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1answer
58 views

1) Paying auto insurance premium yearly vs monthly 2) Paying auto finance loan

I've recently purchased a vehicle and was planning on prepaying my auto insurance for the year up front rather than divided into monthly payments. Should I rather put some of that money to paying ...
1
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0answers
45 views

Can I expect a prorated reimbursement from an early termination of my auto insurance policy?

If one cancels their insurance policy early during their prepaid coverage period are insurers supposed to credit/reimburse the prorated amount actually utilized of their coverage? I'm looking to ...
9
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2answers
5k views

What's the purpose of mileage verification in auto insurance?

I believe it's every year that my auto insurance company has me fill out one of these "mileage verification" letters to submit the mileage of my vehicle that they hold an insurance policy ...
3
votes
1answer
251 views

Totaled car with two insurance policies

I moved out from home to another state and purchased an auto insurance policy in my name for my vehicle, paid for the 6 months upfront. Previously it was insured under my parents' policy. I set the ...
19
votes
8answers
14k views

Is it true that car insurance can go up if a member of your family gets a license?

I was told that because I live with a parent, if I were to get a drivers license, their insurance payments would be higher, even if I'm not actually on their insurance. Is that true? How would the ...
8
votes
2answers
882 views

I wrecked my car and it might be totaled after 2 months of ownership which includes a loan, what happens now?

I started financing a 2011 Toyota Camry LE for $11.6K October 2019. I’m 20 years old and I just got my license in September 2019. I’ve been paying $323 a month for full coverage through the General, ...
19
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14answers
15k views

I’m 18 years old and want to finance a £30,000 car [duplicate]

I'm 18 years old and I've always wanted an Audi Q5. Currently, I'm working full-time. I earn £28,800 annually and that will be due to go up soon. The car I've had eyes on costs £31,789. The monthly ...
1
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1answer
103 views

Advice/Experiences, Auto Insurance, Florida, 18 years old [closed]

I am in Florida, United States. I have recently bought a reliable (however temporary) 2004 Chevrolet Colorado (rear wheel drive, maroon colored pickup truck). I have done a lot of research but I'm ...
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2answers
157 views

How do I make a State Farm policy change without an agent?

My agent is only available when I'm working. When I call "after hours", I always get in touch with another human who seems helpful, but won't make changes for me. She says I need to speak to the agent....
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1answer
119 views

Vehicle insurance alternatives recognized in other states?

When it comes to financial responsibility laws for vehicle liability, my current understanding is that the state where the vehicle is registered in is the deciding factor for legal compliance with ...
1
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1answer
186 views

How can I insure a driver who doesn’t live with me but is borrowing my car long term?

My cousin is borrowing one of my cars to get to school and work. He’s 17. He lives less than an hour from me, but in another state. He is insured as a driver on his family’s policy, and the car is ...
0
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2answers
257 views

Car Insurance - Do I need to keep comprehensive insurance after I paid off the loan?

I live in the Bay Area, California. I had to take comprehensive (Liability and Collision) insurance and pay around $500 for six months until I paid off the debt. I recollect that I was required to ...
1
vote
1answer
390 views

My mother's car was totaled

My mother was in a car accident and died. Her boyfriend's name is on the title and financing of the vehicle. She made all of her payments on the car. Is he entitled to all of the money since the ...
42
votes
7answers
6k views

Is insurance company’s preferred auto shop biased?

I was rear-ended. There's a crack on the upper part of my bumper and the plastic part of the trunk locking mechanism is broken (though the trunk still closes). The insurance company was pretty ...
-1
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1answer
116 views

Registration and insurance for gift car

Our 30-year-old nephew lives with us. He is about to receive a used car as a gift. My wife and I each own a car, and all three of us are listed as insured drivers. Is it best to include his car in ...
6
votes
2answers
365 views

What options do you have when the at-fault party's claim adjustor is low-balling you?

United States & New York state here. Although the first few paragraphs might make it seem like a legal question, it is not! It's an insurance question, and more specifically, about how to handle a ...
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0answers
151 views

How to truthfully answer auto insurance questions when you don't know the answer?

When shopping around for car insurance it is important to be truthful, but how do you truthfully answer questions you don't know the answer to? For instance, my current insurer doesn't list claims ...
5
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1answer
111 views

purpose of uninsured/under insured coverage

If one has comprehensive coverage along with Liability ( Bodily and property), so why does one may need uninsured/under insured coverage for vehicle insurance if he already has Collision.
35
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7answers
10k views

If I have an accident, should I file a claim with my car insurance company?

If I am in an accident that causes no personal injury, but causes damage to both cars that requires new panels (and has a quotation of $3,000 to fix mine)... how do I decide whether to claim against ...
1
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3answers
209 views

Car Insurance Renewal Quote Negotiation

So, once again for the sixth time in a row I have ended up switching car insurer at the end of a 6 month policy term. Every time I received a renewal quote from the insurer I was with which was ...
7
votes
1answer
521 views

Accidentally reported a minor accident on my car - what now?

A few days ago I idiotically scraped the side of my car against a concrete column. There was no damage done to the column and no dents on my car, but there is a significant amount of scratches on my ...
-3
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1answer
274 views

How to reduce cost after a car accident at fault and no insurance [closed]

There is an at-fault car without insurance (on suspended license) crashed into another car and caused damage to both cars. No injuries.
2
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1answer
271 views

Is the auto insurance quote I have been provided a rip off?

I just moved to Philadelphia, PA from Houston, TX and wanted to update my auto insurance policy (with Allstate). I gave them a call, and with 1:1 coverage options AND a newly-acquired (ie I did not ...
5
votes
3answers
573 views

UK Car Insurance Auto-renewal issues - premium doubled without reason

I recently received an Auto-renewal on my car insurance from my insurer. And it boggled the mind as it more than doubled the premium. It went from £960 a year to £1950. I caught up on the topic ...
0
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2answers
319 views

dealing with vehicle insurance non-renewal notice

After a recent accident claim was resolved, we received a nonrenewal notice from our insurance company. In the letter it says that our insurer will decline to renew our automobile insurance at the ...
20
votes
4answers
5k views

Should I tell my insurance company I have an unsecured loan for my new car?

Generally, I do all of my quotes online instead of dealing with an agent. They've always asked if the car is leased, financed, or owned. In my current situation I am technically financing the car, but ...
22
votes
4answers
14k views

Suppose leased car is totalled: what are financial implications?

Inspired by this question on totaling vs repairing a car and my situation (I'm leasing a car) my question is: Suppose a leased car, properly insured as per the lease (i.e., comprehensive) is involved ...
2
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1answer
192 views

Car Insurance - Uninsured Motorist Bodily Injury With Personal Health Insurance

I have comprehensive health insurance with a relatively low out of pocket. I noticed that the "Uninsured Motorist Bodily Injury" add-on for my car insurance has limits of $100,000 / $300,000. In the ...
5
votes
2answers
383 views

How much liability coverage do I need for my car insurance?

My auto insurance policy is up for renewal soon, and I want to make sure I have the right amount of liability insurance. Currently we (my husband and I) have liability coverage for $100,000 per ...
-11
votes
1answer
474 views

car insurance -- absolute cheapest possible way to make / get it [closed]

I'm aware that it's possible to make your own car insurance company. That being said, does anyone know of the absolute, cheapest possible car insurance there can be? I'm not concerned at all about ...
2
votes
1answer
87 views

Does using a credit card's rental car protection in case of a damage with car rental result in increase of some premium or extra fees?

Many credit cards in the United States offer some kind of rental car protection (mirror). In case of a damage to the rented car, does using the credit card's rental car protection in case of a damage ...
3
votes
2answers
142 views

What's the difference between Uninsured and Underinsured motorist insurance?

In the US, one can often add Uninsured and Underinsured Motorist coverage independently to one's car insurance. What exactly is the difference? It seems that, going by the name only, Underinsured ...
1
vote
1answer
93 views

Requirement to purchase Collision Damage Waiver for car hire excess coverage

I recently took out a car hire excess reimbursement policy from a reputable third party insurance company (AIG). The policy states that CDW is required in order to receive reimbursement for a claim. ...
0
votes
0answers
398 views

car insurance claim, police report, minor damage and carfax

I parked my brand-new car on the street at night and woke up next morning to find out that someone, perhaps on the bike has hit it and the side mirror cover is off. The small dent on the side of the ...