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 Non Renewal – Why? I Am A Good Driver
Reader’s Question:
I have auto insurance with my insurer for five years now. I am a good payer since I always pay my car insurance bill on time. However, when I was about to renew my auto insurance policy with them, they declined it. The reason they gave me is because I had three minor accidents wherein it was entirely my fault. Can my auto insurance company in Sandy Springs, Georgia not renew my policy just because of that? Is it legally right to decline a renewal because of the claims made by the policyholder? It is my understanding that the reason why I have auto insurance is to have something to back me up in an event of a car accident.
Brad
Sandy Springs, GA
I’m sorry to heat that Brad. However, according to the Georgia Office of Insurance and Safety Fire Commissioner, a car insurance company may choose not to renew a person’s policy if said person had more than one instance of at fault accident for a period of three years. Also, if a policyholder’s total of claims made amounts to $750 or even more.
Since your car insurance company in Sandy Springs, Georgia decided not to renew your policy, then it’s the best time for you to get another auto insurance company. You can ask the help of your auto insurance agent or even check the available websites. Also, to avoid this from happening again, please do practice safe driving. No matter how minor an accident is, it’s still an accident and would affect your driving history and the chance of renewing or getting a car insurance policy.
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 Discounts in New Mexico
Reader’s Question:
I’m moving to Santa Fe, New Mexico next month, is New Mexico a “tort state”, what does “tort state” actually means? If it is, what effect does it do regarding my car insurance?
Marty
Santa Fe, NM
Yes, New Mexico is a tort state. By definition, “tort” is an injury to another individual or damage to a property which is compensated under law. The injury or damage can be done willfully, negligently or in other instances involving liability. With regards to car insurance, each State tends to be either a Tort State or a No-Fault State. With this, someone must be found to be at fault for causing the accident under a tort system. Then, the at-fault party is held responsible for the damages incurred. The policies and regulations for a tort system vary from state to state.
This means that Santa Fe, New Mexico drivers are financially responsible for the property damage and personal injury they may cause during a car accident. New Mexico’s standard liability coverage requirements are 25/50/10. This means that your car insurance policy should cover $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party’s personal property. Uninsured and underinsured motorist coverage, as well as collision and comprehensive coverage are optional for the standard liability policies. New Mexico determines car insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. However, you may have the option to consider getting higher coverages than the required state minimums.
Good Driver Auto Insurance Policy Discounts in Georgia
Reader’s Question:
Can I have my car insurance policy for my permanent address in Georgia and reside somewhere else in the same state? I am a good driver and would love to get a discount for being one
Bill
Augusta, GA
You should inform your car insurance agent of the garaged location of your vehicle. If this is your new temporary address you will need to tell your insurance provider of this new address. Likely the terms of your insurance policy requires you to inform your car insurance company of any change of addresses regarding you and/or your car that is being insured.
You therefore need to inform your insurance provider of your address change, even if the move is not that far and temporary. If you did not tell them of your new primary address in Augusta, Georgia where you garage the car and got in an accident, this omission of information may be considered as misrepresentation on your side and may cause your claim not to be paid.
Car Accident Insurance Claim – What Not To Do?
Reader question:
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.
Very Cheap No Fault Florida Car Insurance Rate Quotes
Florida has had a history of murky car insurance provisions for a while. In the eighties, lack of oversight and enforcement lead to about one out of every tree cars driving in Florida being without car insurance, and in some highly populated areas, such as Miami, the numbers were as great as two out of three. This all changed when the no fault Florida car insurance laws were introduced, required every Florida resident with a vehicle registered in the state to carry personal injury protection coverage, as well as allowing cops to ask for insurance when drivers were stopped and required that car insurance companies tell the DMV when a car insurance policy is dropped, cancelled, or not renewed.
But on the first of October this year, that all might change. The no fault insurance law is sun-setting this year, and the legislature is showing no signs in being interested in renewing it. This is despite the fact that the sunset of this law will mean that checking car insurance for traffic stops and notification for dropped policies will no longer be required, making it particularly difficult for the DMV to locate people who do not have insurance and punish them.
The punishment component will still exist, with a possible $600 fine and two months in jail for anybody caught without insurance. However, the only ways to be caught without insurance are to either get into a car accident or get our car registered.
Many people think that this will lead to another rise in uninsured drivers. People, they say, can just get insured one day, go get registered, and then cancel their car insurance policy to get a refund the next. As for car accidents, the heavy penalties for lack of insurance are likely to create a higher incidence of hit and runs from uninsured motorist scared of the consequences.
Cheers,
Fashun Guadarrama.
Easy SR 1 Filing And Car Insurance Company Help
Reader question:
When I get in a car crash, what do I have to do besides making a claim with my car insurance company?
Melanie
Great question, Melanie.
Any car accident brings trouble, so arming yourself with information ahead of time is a good strategy. If you are already informed about your options and your requirements, then there is no panicked last minute research and easy to avoid trouble with your claim and the law.
If you are involved in a car accident, you are required to have proof of insurance. They don’t exactly ask you this while they are writing up the police report, so within a month of the accident taking place you have to go to the department of public safety office and file an SR 1 form. An SR 1 is similar to an SR 22, except that it is not used as a means of punishment. It is, though, filed to prove that you were financially responsible at the time of the accident, and is required by law in most states. If you don’t file the SR 1 in the amount of time allotted, you could face major consequences such as fines and the loss of your license.
You can’t just say that you flashed your insurance card at the person filing the report, because that doesn’t work. Rather, in order to show that you were insured at the time of the accident, you have to do one of the following.
- Have your car insurance company file an SR 21 form with the DPS
- Get the other driver that was in the accident to sign their name on a release of liability form
- Or you could get them to sign statement saying that they won’t sue you and have it notarized
- A letter from the car insurance company of the other driver that says you have gotten your claim money back
- A bankruptcy petition copy that has your creditors named
The best way to go is the first option.
Cheers,
Fashun Guadarrama.
What Is Used Car Insurance Salvage Value?
Reader question:
How do I know the used car insurance salvage value for my totaled vehicle?
Interesting question.
When your car is in an accident and is declared a total loss, there are usually a couple of options available to you. Either you can accept the total cash value and try to fix your car if it is that important to you, or if you were without gap insurance, or instead you can use the total cash value to buy yourself a new car and the car insurance company can take your totaled car to the junk yard to be sold as parts, in a used car insurance salvage sale.
In some cases, you will be able to see some of the money gotten from the salvaging of your vehicle, depending on what car insurance company you are with. The salvage amount that a car can be got for is more often than not about five to twenty percent of the vehicle’s total cash value. There is no set price to determine what the value will be, but the people that salvage these things tend to have a computer database with information of all of the salvages they have done in the past. They use that information from before to determine how much they will sell a part from now, based on the type of car.
Cheers,
Fashun Guadarrama.
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