Questions tagged [car-insurance]

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

Filter by
Sorted by
Tagged with
-3
votes
1answer
443 views

Adding a car one month into 6 month insurance policy

I added a car one month in to my 6 month car insurance policy and was quoted a new premium of $487 a month. When the payment came due, $588 was taken out of my account. I called the insurance agency ...
3
votes
1answer
94 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,...
1
vote
0answers
40 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 ...
17
votes
9answers
2k views

What would I miss out on by self insuring my car?

I've been thinking lately that it might make sense to drop comprehensive and collision and self-insure these risks (obviosuly I'd keep the liability insurance). Basically, I'd keep around in a fairly ...
2
votes
1answer
248 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
86 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 ...
1
vote
1answer
98 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 ...
3
votes
1answer
211 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 ...
13
votes
1answer
2k 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 ...
0
votes
2answers
2k 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 ...
1
vote
1answer
348 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
78 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 ...
6
votes
6answers
2k views

I am thinking about cancelling my car insurance. Will there be any hidden costs down the road?

I own my car outright and just moved to a large city. Public transportation and access to a roommate's car makes transportation easy. I am thinking about storing my car at my parents house and ...
2
votes
1answer
115 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 ...
2
votes
1answer
129 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
112 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 know:...
8
votes
7answers
22k views

Do I need to add my girlfriend as a driver on my car insurance?

I live in an apartment with my girlfriend and when I request a quote on the car insurance websites it asks me if I'm the only driver in my household. It's my car but she would likely drive it ...
10
votes
1answer
280 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
665 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 ...
6
votes
2answers
904 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 ...
3
votes
1answer
754 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
1k 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 ...
3
votes
1answer
959 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 ...
5
votes
1answer
955 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
vote
2answers
425 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
173 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.
-1
votes
1answer
336 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 ...
1
vote
1answer
66 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 ...
1
vote
2answers
801 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 ...
4
votes
2answers
209 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
2answers
257 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 ...
16
votes
3answers
9k 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 ~$6K (~$...
2
votes
1answer
86 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 ...
0
votes
1answer
56 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. ...
3
votes
3answers
2k views

How can I improve my auto insurance score?

My auto insurance score on Credit Karma is 805. It also says insurability is poor. I was wondering if there is a way to improve that score? I have never had an accident and I am never late on my ...
5
votes
5answers
9k views

How can I determine how much my car insurance will cost me?

I'm 25 and I've been rear-ended once when I was 16 or 17. I've never been in any other accidents or had any speeding tickets. I am currently on my mothers insurance and driving her car. I will be ...
1
vote
1answer
106 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 $...
8
votes
2answers
969 views

Car insurance for infrequent drivers

What car insurance is available for people who drive infrequently and/or drive a very small number of miles per year (say less than 500 miles/year)? I just moved somewhere that allows me to walk and ...
3
votes
2answers
237 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
1answer
231 views

What is the value of Personal Injury Insurance riders on an auto insurance policy?

I'm renewing my auto insurance policy and found that +10% of the renewal quote is for a Personal Injury Protection. My health insurance is adequate (for now) and the protection from the rider seems ...
8
votes
3answers
9k 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
140 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
222 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 ...
6
votes
4answers
2k views

Should I file an insurance claim for a door ding?

I purchased a new black sedan in January of this year. A few months back, the car was keyed, and therefore I filed an insurance claim and to get it fixed. Now, today, I find that the door has ...
4
votes
2answers
493 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 ...
1
vote
2answers
116 views

How to balance spending on different types of insurance?

Given that I'm spending $x per year on insurance, I would like to know how to most efficiently spend that money (on car, house, disability insurance etc) in order to minimize my overall risk of loss. ...