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Car Insurance 101Post

Car Insurance 101

All drivers need car insurance in order to legally own and operate a vehicle. Specific requirements vary from one state to the next, but most areas require drivers to maintain basic liability coverage. This type of policy covers damages and injuries that a driver causes with their vehicle. Drivers can also choose to buy full...

All drivers need car insurance in order to legally own and o...

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Do I need liability insurance on a collector car?

For many people, restoring a collector’s vehicle is a fun and challenging hobby. For others, it can be a powerful status symbol or just a way to get a great-looking car. Whatever the purpose of the vehicle, it’s important to carry an appropriate amount of insurance on a collector’s car. Antique cars have special needs...

For many people, restoring a collector’s vehicle is a ...

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Can I get sued even if I have car insurance?

The primary purpose of liability insurance is to pay for damage or injuries that you cause so that your assets are protected from lawsuits. Because you are legally responsible for an at-fault accident, you are required to pay for the damage you cause. If you do not have insurance, you can be sued for that...

The primary purpose of liability insurance is to pay for dam...

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Will my car insurance cover a repossessed vehicle?

Whenever you finance a vehicle, you do not properly own the car until all payments have been completed and the car is paid off. Whether you are leasing or simply making payments toward ownership, the financing company is allowing you to use the car on the agreement that you will pay for it incrementally until...

Whenever you finance a vehicle, you do not properly own the ...

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Should I talk to an insurance adjuster without a lawyer?

If you are required to talk to a claims adjuster about your accident, you may wonder if you should have a lawyer present during your conversation. The decision to have a lawyer present can be a good one if you are dealing with a hostile adjuster, but is often not necessary with proper precautions. Personal...

If you are required to talk to a claims adjuster about your ...

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How do I find previous car insurance claims?

If you want to find out if a car has a history of accidents or damage, one way to get this information is to find the previous insurance claims filed on the vehicle. This information may be very useful if you are trying to negotiate a price on a used vehicle; if you want to...

If you want to find out if a car has a history of accidents ...

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Is my boyfriend covered under my car insurance?

If your boyfriend operates your car occasionally, you may make the assumption that he is covered under your car  insurance policy. This is a natural assumption; after all, most car insurance policies cover other drivers who operate your vehicle, so your boyfriend should be covered by your policy for any damage he causes. However, there...

If your boyfriend operates your car occasionally, you may ma...

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Is my girlfriend covered under my car insurance?

If someone else drives your car, you could be in for an unpleasant surprise if that person is not covered by your auto insurance policy. For example, are you certain that your girlfriend is covered if she operates your vehicle? If she is not and causes an accident, you could be personally responsible for the...

If someone else drives your car, you could be in for an unpl...

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Do I need separate car insurance for every car I own?

If you own more than one car, do you need more than one car insurance policy? That question is a little misleading, and reveals a misunderstanding of just how auto insurance works. A better question might be, “What kind of insurance do I need for each car I own?” You may have different types of...

If you own more than one car, do you need more than one car ...

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Do I need car insurance with a Learner’s Permit?

Learning to drive is a major stepping stone in life, opening one of the first gateways to adulthood. Most drivers begin driving between 15 and 16, and must go through a transitional period with a learner’s permit before obtaining a full driver’s license. Laws vary from one state to the next, but generally new drivers...

Learning to drive is a major stepping stone in life, opening...

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How do I dispute the amount of a car insurance claim?

Whenever you file a claim with a car insurance company, the company will determine how much it owes you based upon an estimate of vehicle damages. In most situations, this estimate will be completed by an insurance employee called a damage adjuster. The adjuster will complete an inspection of your vehicle and provide you with...

Whenever you file a claim with a car insurance company, the ...

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Can I add my wife to my car insurance policy?

Whenever you purchase auto insurance, your car insurance company will ask you a few questions about your household and driving habits. One question they will ask is whether anyone else in your home has access to your vehicles. Anyone who lives in your home and is able to drive your car will be assumed to...

Whenever you purchase auto insurance, your car insurance com...

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Do I need car insurance on a car I am restoring?

Any vehicle you own that could cause damage to another person’s property needs to carry liability insurance. Even if you don’t drive the vehicle regularly, you should carry insurance on that car. In the case of classic cars or those undergoing restoration, carrying certain auto insurance coverage is a wise idea. It may not be...

Any vehicle you own that could cause damage to another perso...

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Can I increase my car insurance at any time?

Car insurance is one bill that cannot be completely cut from a household budget. As long as you own a vehicle, you need to carry liability insurance. If you want that vehicle to be repaired when it’s damaged, you will need to purchase full coverage auto insurance as well. The more coverage your policy includes,...

Car insurance is one bill that cannot be completely cut from...

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Can my car insurance company make me use a repair shop?

Whenever you buy auto insurance, the insurance company agrees to repair or replace your damaged vehicle if it is involved in a qualifying accident. The coverage that you purchase determines what your insurance company will pay for. For example, collision coverage pays for damage caused by an accident with another person or property; liability insurance...

Whenever you buy auto insurance, the insurance company agree...

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Can I add my husband to my car insurance policy?

Most people live separate lives before getting married. After the wedding, couples must decide what accounts to keep and where to consolidate: whose house to live in, which cable company to use or whose insurance to cover the house and cars. While it’s perfectly acceptable to insure your own vehicle and have your spouse insure...

Most people live separate lives before getting married. Afte...

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Can I add my cousin to my car insurance policy?

Whenever you purchase an auto insurance policy, your car insurance company will ask who has access to your vehicles or will be regularly driving them. This question helps to determine the insurance rates charged for a given vehicle. If a vehicle is routinely driven by someone not listed on the policy, this may cause problems...

Whenever you purchase an auto insurance policy, your car ins...

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Can I add my stepdaughter to my car insurance policy?

When you purchase a new vehicle, you need to put insurance on that car. For the most part, car insurance follows the vehicle rather than the driver. This means that as long as a person has permission to drive the car, any accidents occurring in that vehicle will be covered regardless of if that person...

When you purchase a new vehicle, you need to put insurance o...

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Can I add my stepson to my car insurance policy?

If you have teenagers or adult children living in your home, they will have access to your vehicles. If your child or stepchild drives your vehicle and is involved in an accident, would the claim be covered by insurance? What does it mean to add a driver to your policy? Who can be added to...

If you have teenagers or adult children living in your home,...

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Do I have to report every car accident to my insurance company?

You are in a minor “fender bender” and the other party is willing to take cash to settle the damages. Do you really need to report this accident to your insurance company? Will reporting it make your rates go up, even if you do not file a claim? What if you do not have a...

You are in a minor “fender bender” and the other party i...

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