Questions tagged [car-insurance]

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

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Cost of an Umbrella Policy

About me, I am single and I own a car. I also own a home. I live in New Jersey. I recently got a quote on a 5 million dollar umbrella policy and a quote on a 10 million dollar umbrella policy for my ...
Bob's user avatar
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1 vote
2 answers
213 views

Why is fully comprehensive car insurance cheaper than third-party only?

I have recently found that my fully comprehensive car insurance quotes have been cheaper than third-party only policies. I had assumed it was just random differences between policies rather than any ...
User65535's user avatar
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2 answers
132 views

How can I put a car in my name for insurance reasons? [closed]

So about 2 years ago my aunt got a new car and my sister bought her old one of her for 4k and my sister just gave that car to me. The problem is my sister used to pay 89$ a month for car insurance and ...
cjjjjjjj's user avatar
1 vote
1 answer
154 views

Will I get a refund for my insurance renewal?

I Switched insurance from company A to company B. Insurance A had already charged the renewal amount December 9th even though I’m not due to renew until December 22nd (since that’s when my coverage ...
Victor Gonzalez- Cortez's user avatar
0 votes
1 answer
108 views

The meaning of "rate filing"

What does "rate filing" mean in the following paragraph? "The province is giving the AIRB new authority to tell insurers to return a portion of premiums to drivers if companies surpass ...
Maurice's user avatar
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1 answer
72 views

will car insurance cost increase if I have accident with small payout?

I scratched rear fender and bumper of my 2015 Mercedes s550 when I was driving inside garage. I have $1k deductible and it's gonna cost around $2.5k to repair. Should I expect insurance cost to go up ...
Rainmaker's user avatar
  • 135
14 votes
3 answers
4k views

What's the incentive for an at-fault driver to respond to a third-party claim?

I have filed a third-party claim worth about US$3,000 with the at-fault driver's car insurance in California. The other driver has been unresponsive to the adjuster. If this continues for another ...
Kevin Chen's user avatar
0 votes
1 answer
225 views

How old a car needs to be for one to request diminish value claim

I am based in NC. My car was hit by another vehicle. The person who hit us, his insurance company paid for repairs. My car is from 2015. When I made request for a diminished value claim, I was told “...
OpenStack's user avatar
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-1 votes
1 answer
188 views

How to deal with insurance after car accident

My car met with an accident early January. The doors were slammed and the person who hit our car admitted his fault and confirmed his insurance will take care of expense. This is what happened (...
OpenStack's user avatar
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0 votes
1 answer
171 views

Can I get money from both insurance companies because of a damage in parking lot?

Few days ago I noticed a damage on my car's body that was parked in my parking spot. There was a paper on the car that "Sorry for this happened, please call to talk about the insurance ...". ...
GoodMan's user avatar
  • 140
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1 answer
201 views

Is it normal for a French Insurance company to delay repairing my vehicle for three months?

I'm insured with one of France's largest insurers. In June there was a huge hail in central France, lots of cars were severely damaged. Since then, only the windshield has been replaced on my car. In ...
sequence's user avatar
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2 votes
1 answer
248 views

Does Auto insurance remain in effect for teen driver, if policy holders die

Sorry to ask this weird question. Auto insurance is bought by Parents and names Parents as insured and lists teenager as authorized driver. God forbid, if for some reason parents die( in auto or non ...
puzzled's user avatar
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1 answer
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Will insurance companies add a record to the Carfax if they only pay for the repair?

Few days ago I saw my car's door has been kicked by a jerk and there was a footprint still on the door. This caused a dent around 10-15 inches on the door and 2-3 inches of chipped paint. I called to ...
GoodMan's user avatar
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1 vote
1 answer
97 views

Any factors I should consider when choosing between car insurance companies besides price and coverage?

Any factors I should consider when choosing between car insurance companies besides price and coverage? I've heard people mention company reputation to see how likely they are to pay claims without ...
roobee's user avatar
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1 vote
2 answers
228 views

Are third-party vehicle insurances allowed to keep the no-claims class down in Germany?

Almost one year ago, I bought my first car. It's the first and thus far only motor vehicle registered/insured to my name. The insurance company just sent me this invoice: They told me that for the ...
UTF-8's user avatar
  • 922
5 votes
1 answer
527 views

Can a car insurance provider demand that I insure every person having a driver's license in my household?

This is about laws in U.S.A. where a driver's license is often the most common form of identification. Some of the backstory: My wife's sister and her son live with us. Due to her being a single-...
alec's user avatar
  • 202
16 votes
10 answers
5k views

Why is the mandated minimal liability car insurance coverage so high?

All over the world, you need car insurance that covers the damages you do to others. In Austria and Germany, this insurance has to cover at least 7 790 000 € of damages. Isn't it a bit high? This ...
Martin Drozdik's user avatar
3 votes
1 answer
223 views

Does it ever make sense not to file a claim on my auto insurance to keep rates low?

Given that auto-body shops report repairs to a car to services like CARFAX, it is pretty much impossible to hide the fact that your car was in an accident. Does it ever make sense to not file a ...
JohnFx's user avatar
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2 answers
141 views

Forgot about an accident when signed up for car insurance. What will the insurance company do if I tell them?

I have moved to France, bought a vehicle and signed up for car insurance. I said that I didn't have any car accidents over the past 2 years, but when I got my letters of experience from my previous ...
sequence's user avatar
  • 227
0 votes
4 answers
241 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 ...
bobuhito's user avatar
  • 502
16 votes
5 answers
5k 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 ...
Sudo Bash's user avatar
  • 305
3 votes
2 answers
206 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 ...
user avatar
12 votes
7 answers
15k 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 ...
Brooke's user avatar
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3 votes
2 answers
2k 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 ...
Peter Duniho's user avatar
8 votes
2 answers
617 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 ...
Antonius Gavin's user avatar
-1 votes
1 answer
47 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 ...
Dave Smith's user avatar
2 votes
1 answer
105 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 ...
Boolean's user avatar
  • 125
5 votes
3 answers
500 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 &...
Astor Florida's user avatar
19 votes
5 answers
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 ...
Michael Butler's user avatar
1 vote
2 answers
137 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 ...
Michael Butler's user avatar
1 vote
1 answer
354 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 ...
the other one's user avatar
1 vote
2 answers
75 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 ...
maupertius's user avatar
3 votes
3 answers
250 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 ...
Coffee'd Up Hacker's user avatar
1 vote
1 answer
98 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 ...
JorgeeFG's user avatar
  • 131
1 vote
1 answer
71 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 ...
OntarioCanadaF30's user avatar
1 vote
0 answers
53 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 ...
jxramos's user avatar
  • 1,421
9 votes
2 answers
8k 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 ...
jxramos's user avatar
  • 1,421
3 votes
1 answer
284 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 ...
user13232774's user avatar
21 votes
8 answers
19k 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 ...
David G's user avatar
  • 535
8 votes
2 answers
1k 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, ...
Nicholas Joseph's user avatar
19 votes
14 answers
16k 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 ...
Rickss's user avatar
  • 255
1 vote
1 answer
107 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 ...
Stressed4Success's user avatar
0 votes
2 answers
346 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....
lmat - Reinstate Monica's user avatar
0 votes
1 answer
128 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 ...
Confirmed.Bachelor's user avatar
1 vote
1 answer
202 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 ...
bvy's user avatar
  • 131
0 votes
2 answers
321 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 ...
Venkata's user avatar
  • 11
1 vote
1 answer
412 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 ...
Barbara House's user avatar
42 votes
7 answers
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 ...
charmingToad's user avatar
-1 votes
1 answer
123 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 ...
Shawn V. Wilson's user avatar
6 votes
2 answers
476 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 ...
hotmeatballsoup's user avatar