Very Cheap Auto Insurance Coverage
Reader’s Question:
I heard from my friend that here in Arizona no matter what type of auto insurance coverage I have, if my windshield is broken, it would be replaced by my insurer. The reason is because auto insurance companies are required to do that. Is this true?
Tiffany
North Pinal, AZ
The state of Arizona has a financial responsibility law. This is created to make sure that in an event of a vehicular accident, the person/s involved has/have sufficient money to pay for the damage/s. The required auto insurance coverages are bodily injury coverage and property damage coverage.
Going back to your question, damage on the windshield would fall under full class coverage or comprehensive coverage. Both auto insurance policies are optional in the state of Arizona. Hence, with this, auto insurance companies are NOT required to cover for windshield damage, regardless whether you have those coverages or not. Auto insurance company can only pay for those damages if a policyholder has full class coverage or comprehensive coverage.
For more information about auto insurance coverage, ask your auto insurance agent in Arizona. If you are looking for auto insurance quotes, feel free to use the websites.
Good Driver Car Insurance Coverage
Reader’s Question:
My friend is asking me to loan my car to her because her car is in the repair shop. What I would like to know is if she’s involved in a car accident, whose auto insurance coverage would pay for the damage? Would it be mine or hers? We are both from St. Paul, Minnesota.
Tatiana
St. Paul, MN
With your question, I am assuming that your friend has her own auto insurance policy. If that is the case, in an event that she is involved in a car accident using your own vehicle it her own car insurance policy that would cover for her injuries. However, the case is different though if she doesn’t have car insurance policy. If that is the scenario then, according to the Minnesota Department of Commerce the “basic economic loss benefits” will be covered by your car insurance company.
As to the damage incurred on the vehicle, it will be paid by your own auto insurance company. This is depending though if you have collision and comprehensive policies. For other cases, it might also be covered by the car insurance policy of the other vehicle.
For more information, do check the information on your auto insurance policy. Also you could ask your car insurance agent in St. Paul, Minnesota.
GAP Auto Insurance Coverage
Reader’s Question:
For some misfortune event, I was involved in a car accident last week. It was my first ever car accident in my entire life. What’s even worse is that it was a hit and run. It was totally not my fault. I have comprehensive coverage on that vehicle. However, I don’t have collision. Will my GAP coverage be able to pay for the damage on my vehicle? I am from Sioux Falls, South Dakota.
Val
Sioux Falls, SD
This is really a very unfortunate event in your life and I’m really sorry to hear what had happened to you.
I am assuming that the reason why you’re asking that is because your primary auto insurance did not cover for the damages incurred on your vehicle. If that is the case with you, then you GAP insurance would not be able to pay for the damages also.
For a GAP auto insurance to cover you, your primary auto insurance company should pay for the actual cash value (ACV) of your car first. However, since you’ve already mentioned you don’t have collision coverage then, it’s only expected that you insurer would not pay for your claims. Because, this kind of accident falls under the collision coverage.
For more information about auto insurance claims, feel free to ask your auto insurance agent in Sioux Falls, South Dakota.
Auto Insurance Protest – Will lt Help?
Reader’s Question:
I heard from a friend that she is going to file for a protest regarding her auto insurance. If I am not mistaken it’s about her auto insurance premium. I am curious, can anyone just file for a protest? Or there are reasons that are needed to be justified first? What is auto insurance protest by the way? I am from Southwest Colorado if that would help in any way.
Carrie
Southwest Arapahoe, CO
Let me first define what a car insurance protest is. According to the Colorado Department of Regulatory Agencies (DORA), if there is a modification made on a person’s auto insurance policy, that person or policyholder could make a formal objection and that is known as protest.
However, such protest is only applicable to personal automobile policies only. So that answers your first question. In addition, there are certain reasons why policyholders usually make a protest. And these are the following reasons:
- Change on the auto insurance premium, usually an increase;
- Auto insurance company’s decision not to renew a policyholder’s coverage;
- Policy’s cancellation; and
- Reduction on the auto insurance coverage.
For more information about auto insurance protest, you can contact the Colorado Department of Regulatory Agencies (DORA).
Cheap Military Auto Insurance
Reader’s Question:
I have a boyfriend who serves the U.S. armed forces. If he is assigned in another country let’s say in Afghanistan (but I’m hoping he won’t) what should we do with his auto insurance coverage? Do we need to keep on paying for that even if he’s not in the United States? Oh I forgot to tell you, I have my own car too. And there’s no way that I would be using his car if ever he is stationed outside the country. We both live in Kendall-Perrine, Florida.
Josephine
Kendall-Perrine, FL
I’m hoping that your boyfriend would never be assigned to go to Afghanistan.
Going back to your question, according to the Florida Department of Financial Services (DFS), a person serving the U.S. armed forces who is required to serve outside the United States is not required to carry Personal Injury Protection (PIP) and Property Damage Liability (PDL). This is given that there is no one who is going to use that person’s vehicle.
To be exempted from carrying these policies, you need to write your auto insurance agent or company and request for the exemption and also inform the Florida Department of
Highway Safety and Motor Vehicles (DHSMV).
For additional information, ask you car insurance agent and also the Florida DHSMV.
Affordable Auto Insurance Coverage
Reader’s Question:
I heard from my cousin who is an auto insurance agent by profession that there are different types of auto insurance coverage in Lakewood, Washington. Can someone tell me the different types of auto insurance coverage?
Bill
Lakewood, WA
There are certain types of auto insurance coverage that are mandatory in the state of Washington and there are those that are only optional. Let me just give you the more popular types of auto insurance policies:
Liability: This kind of auto insurance coverage is required by Washington state law. This covers property damage and bodily injury to the other party involved in an event that you are involved in a car accident;
Personal Injury Protection (PIP): This offers a limited coverage to medical bills, expenses from funeral, and lost of income.
Uninsured/underinsured Motorist Bodily Injury: Offers coverage for physical injury if you are involved in an accident with an uninsured driver;
Uninsured/underinsured Motorist Property Damage: Offers coverage for damages to your car if you are involved in an accident with an uninsured driver
Medical Payments: Offers coverage for medical bills and funeral expenses to the insured person;
Collision: This covers your car for damages in an event that collision with another car happened;
Comprehensive: Offers coverage to damage to your vehicle for non-related collision incidents like fire, robbery, vandalism etc.
If you have more questions about auto insurance coverage in Lakewood, Washington you can always opt to ask your car insurance agent or the Washington State Office of the Insurance Commissioner.
Good Driver Auto Insurance Coverage In California
Reader’s Question:
If I live out of state with an out of state driver’s license, Will I have to have car insurance while driving in Burbank, California? I am a good driver with no accidents on my record
Gene
Burbank, CA
If you have car insurance on a car in one state typically it will extend and cover your vehicle in another state by conforming to at least that state’s minimum car insurance requirements.
If you are traveling from one state to another you will need to have car insurance on the car so that it is covered during the drive. Even if you came from a state where auto insurance is not strictly required on a vehicle and drove to Burbank, California, since California state law requires vehicles on their roadways to have auto insurance, or another form of financial responsibility, on them you would need to abide to this state law.
According to the California DMV all cars driven or parked on a CA street, road or highway must be insured.
New Driver Car Insurance – Why Does It Cost So Much?
Reader’s Question:
I’m a new driver here in San Francisco, CA. I still don’t have a car but I’m planning to get one, hopefully soon. I’m totally clueless when it comes to auto insurance stuff. Can you give me some tips on this?
Paige
San Francisco, CA
Sure Paige! The very basic thing you should know is what does California law requires for auto insurance coverage.
California State Law requires every owner and driver to maintain financial responsibility for accidents and there are four ways to establish such responsibility:
1. coverage by auto insurance policy;
2. a deposit amounting to$35,000 to Department of Motor Vehicles (DMV);
3. a surety bond amounting to $35,000, which must be acquired from a duly licensed company in CA; and
4. self-insurance approved by DMV
Now, let’s consider the types of auto insurance policies. Being in Bay Area also means getting an expensive auto insurance. Usually, there are 3 types of policy offered – preferred, standard, and assigned. Each policy differs in price and coverage.
Standard policy is for drivers with less traffic violations and/or cancellation of past polices. This policy offer lower premiums as compared to other kinds of policy. Preferred policies on the other hand are for California residents who have good driving history, (and I mean “clean” driving record) for three years. Lastly, Assigned Risk polices offer the most expensive rates but at the same time the offers the least amount of coverage.
I would also suggest for you to check on auto insurance companies. You can compare quotes here easily and faster and get the best policy that you think meets your needs.
I Need Very Cheap Auto Insurance in New York
Reader’s Question:
Does New York state law allow married couples to have separate auto insurance policies?
Brooke
Yonkers, NY
It is your option to have separate auto insurance policies, but most of the time; it is cheaper to be on the same policy. A New York insurance company will ask questions of you being married or if there are other licensed operators in your household as a basis in calculating your premium rates.
If you and your spouse have separate auto insurance coverage, you may want to do a cost/benefit analysis of each plan to see if you should continue to keep your auto coverage separate. For example, if your spouse’s auto insurance policy has a higher deductible and/or co-payments or fewer benefits than those offered by your plan, he or she may want to join your auto insurance plan instead. You may also want to compare the rate for one family plan against the cost of two single plans.
It is also advisable for you to examine your auto insurance coverage too. If you and your spouse own separate cars, consider pooling your auto insurance policies with one company. Many car insurance companies will give you a discount if you insure more than one car with them. If one of you has a poor driving record, make sure that changing companies won’t mean paying a higher premium.
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