If Im driving a company car, do I need to use my own insurance?

Molly

Thank you for asking.

All vehicles that is being use in the public road must be insured by the owner in accordance with the state laws. You company is the one responsible for the insurance and for making sure that the vehicle that is being used by the employees are properly insured.

In case of accident, the insurance usually follows the vehicles,, so the insurance on that vehicle should be used as the primary insurance, and your own insurance will kick in if the damages on that vehicle exceed the limits of the insurance on that vehicle. So in most cases, if you are not driving your own vehicle, if its owned by a friend or by the company, you are not required to use your own insurance on that vehicle

It is usually advised that you carry a non owners insurance policy to cover yourself if you are driving some one else’s car. In case the owner of the vehicle insurance lapse or if the limits on the policy are low, then this would give you an additional insurance protection.

You might need to contact your company’s insurance provider to check on the insurance policy on the company vehicle and check the coverage that is provided to you when you drive it.

Goodluck!

MariCAR

I’ve made my car insurance claim. Now how do I get my money?

Estella

Great question.

This is the thing that hangs over all the thoughts of the person who has recently filed a car accident insurance claim. You are worried about your car, your injuries, your wages, and that check always seems to take too long. If you keep your head screwed on tight and maintain your patience, you only need to follow a few guidelines to expedite the arrival of that precious claims check.

• Remember your claim number. You don’t have to memorize it, but at least keep it written down on a piece of paper that you won’t lose. This will make it to where you can easily get into contact with whoever knows what the status of your car insurance claim is.
• If there’s only a difference of a few dollars between the amount that the adjuster wants to give and the amount you think you deserve, let it go! You should fight over the bigger things, but a hundred bucks isn’t worth it and it’s much better to just be able to get your car back.
• Don’t threaten to hire an attorney like that works. They get that a lot and won’t actually take you seriously until you really do hire an attorney, so save it.
• Always be polite and respectful to your claims adjuster. They’re just doing their job, and treating them like human beings can help speed up the whole process and get you the amount you want more easily.
• At the same time, don’t try to play buddy with the adjuster, because they won’t stand for that. Act professional and take the process smoothly instead of trying to get your adjuster to like you so that she will give you what you want.
• Be prepared. So long as you know the regulations your state that require a certain type of claims process, you have an idea of where things are going. Document everything from the accident itself to the actual claims process.

Cheers,

Fashun Guadarrama.

What happens to my car insurance rates if I get a speeding ticket?

Joe

Fantastic question.

There is a high likelihood that nothing at all will happen, because yolur car insurance company might not even find out. Car insurance companies learn about things like DUIs and speeding tickets whenever you first sign on board as a policy holder, and then once you have stared with them they check your motor vehicle report about once every three years to see what’s been going on. If you get your speeding ticket right after you sign on, then they might never even know, since most tickets drop off after three years.

However, even if they do know, in many cases they won’t raise your car insurance rates anyway. This depends mostly on whether or not the speeding ticket that you got was your first one. Like with at fault accident, most car insurance companies are willing to offer you forgiveness for your first serious moving violation without it affecting anything such as your rates or your safe driver discount. It’s also true that in many states the car insurance companies are required to let your first speeding ticket go by law.

Cheers,

Fashun Guadarrama.

If I get into an accident, and it’s because the person ahead of me hit his brakes making me run into him, am I still considered to be at fault?

Logan

Yes, sorry to say.

It is such a dilemma when you are considered at fault when the other person did something negligent to help the accident along. However, in almost every situation, if you hit someone from behind then you are the at fault driver, and your case is anything but rare. The reason for this is that even though the other driver made the bad decision of slamming on the brakes, you should be aware enough of your surroundings to have control of your car and avoid an accident. Think about it. If you’re in a neighborhood where kids are playing and the person in front of you slams on the brakes to avoid a ball rolling out into the street, are they at fault, or are you for going so fast in an area where you shouldn’t?

The truth is that these accidents can easily be avoided just by taking in some of the processes of defensive driving. You can keep yourself safe from a rear end car accident at fault car insurance debate just by doing the responsible thing and always staying at least three seconds distance behind the driver in front of you, or five seconds in bad weather.

Cheers,

Fashun Guadarrama.