Questions tagged [car-insurance]
related to automobile insurance. There is also a generic insurance tag.
154
questions
18
votes
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
vote
2answers
56 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
vote
1answer
181 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
vote
2answers
57 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
votes
0answers
111 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
vote
1answer
81 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
vote
1answer
56 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
vote
0answers
43 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
votes
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
votes
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
votes
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
votes
2answers
682 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
votes
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
vote
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 ...
0
votes
2answers
135 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....
0
votes
1answer
106 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
vote
1answer
183 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
votes
2answers
254 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
362 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
votes
1answer
113 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
328 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
votes
0answers
134 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
votes
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
votes
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
vote
3answers
194 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
395 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
votes
1answer
216 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
votes
1answer
262 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
420 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
votes
2answers
207 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
13k 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
votes
1answer
189 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
271 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
365 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
84 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
vote
1answer
79 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
383 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
186 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
184 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
13k 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
320 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
187 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
226 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
votes
4answers
254 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 ...
