Questions tagged [car-insurance]

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

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2
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0answers
104 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 ...
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1answer
78 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
52 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 ...
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0answers
42 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
4k 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
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1answer
243 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
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8answers
12k 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
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2answers
638 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
14k 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
101 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
133 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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0answers
56 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
182 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
253 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
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1answer
357 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
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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
112 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
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2answers
289 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 ...
0
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0answers
133 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
107 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.
34
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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
193 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 ...
6
votes
1answer
394 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
214 views

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

There is an at-fault car without insurance (on CTP) crashed into another car and caused damage to both cars. No injuries. It's gonna cost a lot of money. So always have your car insured.
2
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1answer
259 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
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3answers
343 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
191 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
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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
12k 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
188 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 ...
4
votes
2answers
268 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
340 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
83 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
135 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
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1answer
78 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
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0answers
373 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 ...
3
votes
2answers
184 views

How do I protect myself in this situation, and get a receipt for my payment?

Just over 3 weeks ago I bumped into someone's car on accident. There was no apparent damage to their car, but I insisted we exchange details in case. The person refused and said it was all right. ...
2
votes
1answer
183 views

Does it ever make sense to buy Uninsured/Underinsured Motorist Insurance?

I can add this to my car insurance for a few bucks a month, but I do not see when this would be needed. So, let's say I get into an accident caused by an uninsured driver. Maybe I suffer severe ...
59
votes
6answers
12k views

Why does Geico ask me not to reveal the limits of my liability coverage in case of a car accident?

I read on my "Evidence of Liability Insurance card" issued by Geico in California, US: What to do at the time of an accident: […] Do not reveal the limits of your liability coverage to anyone. Why ...
27
votes
8answers
13k views

Why does car insurance also insure for injuries rather than only insuring the car itself?

At the very least here in British Columbia car insurance is very expensive because of substantial payments towards injury and rehabilitation compensation. To me this doesn't make much sense, as in ...
2
votes
1answer
285 views

Liability for our son's car loan [duplicate]

My husband and I have co-signed for our son's car loan, and also he is listed on our car insurance coverage. If he gets in an accident, can we be sued?
2
votes
1answer
114 views

Car Insurance Company Settlement Pay out at market value or price I bought it at

I live in the UK. I am currently in the process of making a car insurance claim for a vehicle that has been written off. I recently purchased this vehicle that has been written off, the vehicle ...
3
votes
2answers
185 views

Canceling the auto-renewal on car insurance?

I just phoned my insurer's customer service and advised them I wanted to cancel auto-renewal. I was told I can't. My car is broken and I will be selling it shortly (or close to end of policy date, so ...
2
votes
2answers
223 views

New Car Insurance Quote versus Renewal

First of all forgive me if this is the incorrect section for this question, it seemed this section or the legal section was the most appropriate to me but please correct me if I'm wrong The situation:...
0
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4answers
229 views

Are there any statutes of limitations on insurance claims?

I damaged my car a year and a half ago, and at the time I was mad and embarrassed at my mistake to the point that I just ignored it ever happened, even though I have full insurance on the vehicle (no ...
2
votes
0answers
426 views

Understanding Effect of Claim on Car Insurance Premium

I was in an accident where I was at fault (minor, no one hurt). The other driver has made a claim against my policy, so I am trying to figure out if it now makes sense for me to also make a claim for ...
0
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2answers
93 views

Car insurance for the summer in Canada

We're thinking about buying a car in Nova Scotia, Canada while we are here for the summer. We are residents of Ontario. We don't really want to keep the car past our time here. The question is how do ...
1
vote
0answers
153 views

How to pay ER bills after collision in someone else's vehicle

Which insurance(s) should I contact to file claims in the following situation? I have auto insurance for my vehicles with the usual coverages including personal injury protection, which I understand ...
0
votes
1answer
154 views

Lump sum payment for balance on loan on totaled car

It is my understanding from auto insurance company (State Farm- in Georgia) that we will be responsible for a lump sum payment on difference between estimated value of vehicle and loan value(totaled ...
2
votes
2answers
257 views

Best way to get temporary car insurance with outstanding claim?

So about 4 months ago I purchased my first car, 2014 Toyota RAV4, from a large Toyota dealership in Virginia, USA. During the purchase they told me for around $1000 they would title, put plates on, ...