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.
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.
Good Driver Insurance Quote For Teenager
Reader’s Question:
I am a working mom with two daughters. I would be adding my teen daughter under my car insurance policy soon. I am afraid that I will be charged of higher auto insurance rate. That’s why I’m doing everything that I can to check on the things that would help me save on my car insurance premium in West Adams, Colorado. I am just wondering why is it expensive to insure teens?
Trinity
West Adams, CO
I totally understand your situation. I am a mom too and adding my teen son under my car insurance policy is a nightmare. As you see Trinity, it is a fact that higher number of deaths for teens are mainly because of vehicular accidents. And that’s one of the main reasons why it expensive to insure teens nowadays.
To be exact, according to the American Academy of Pediatrics, vehicular accident is the cause of death for one-third of people with ages ranging from 16 – 20. That’s a very high number I would say.
There’s still hope that you could save on your auto insurance rate in West Adams, Colorado. You could ask your car insurance agent for one. And I would also suggest checking on the websites is a very effective way of getting competitive car insurance rates from different insurers.
When Can My Auto Insurance Company Cancel My Policy?
Reader’s Question:
My girlfriend just purchased auto insurance for her new car. I don’t have a car and obviously neither do I have car insurance. We are just wondering on how car insurance stuff works here in West Allis, Wisconsin. Can her car insurance company just cancel her policy anytime they want? Or is there such thing as grace period before auto insurance policy can be cancelled by the insurance company itself?
Orion
West Allis, WI
Hello there Orion!
I’ve checked with Wisconsin Office of the Commissioner of Insurance (OCI) about your question and I learned that car insurance companies can cancel their policyholder’s auto insurance policy provided that said coverage has been in effect within the 60 days. If an insurer chose to cancel the policy within the mentioned period then they are not required to give out explanation about the cancellation. Other reasons wherein a policy can be cancelled is when a policyholder failed to make a payment for the premium on the due date, fraudulent activities done by the policyholder himself/herself when availing of the policy or when making the claim, or major changes on the characteristics of the insurer.
However, for a car insurance policy to be cancelled, insurer is required to notify through writing the policyholder not less than 10 days before the effective date of cancellation or else said cancellation will not be processed.
If you have any questions about car insurance termination you can ask your car insurance agent in West Allis, Wisconsin or even the Wisconsin OCI.
Are You Canceling Your Auto Insurance Policy?
Reader’s Question:
I’m thinking of switching auto insurance company in Maryland. My car insurance premium right now is so expensive that I don’t think I can afford to pay it. How do I do this? Do I just not pay it? I really need to cancel it as soon as possible.
Akira
Ellicott City, MD
In general, if a policyholder wants to cancel his or her auto insurance all he/she needs to do is to inform the auto insurance company though writing. Included in the letter would be the date on when the policyholder wishes to cancel car insurance policy.
In addition, from what I knew, they are also cases that your new car insurance agent must inform the previous agent about the change. Also, depending on the insurer company’s guidelines, some also ask for the copy of the printed policy to be sent back to them.
Usually, if you decide to cancel a car insurance policy, the insurer will be sending you a form of cancellation request. This cancellation request form needs to be signed by you (if you are the policyholder) and have it returned to the car insurance company.
If you wish to cancel your car insurance policy in Maryland do it in writing. If you chose not to pay your auto insurance policy then it would be cancelled due to non-payment. And by this, it will surely affect your credit history and the next time you purchase auto insurance, you might be charged with higher car insurance premium.
Auto Insurance Cancellation – What Happens Now
Reader’s Question:
I just recently purchased auto insurance here in Arizona. As a new policyholder, I am just curious about auto insurance law here. Do you happen to know the reasons that could result to cancellation of my auto insurance in Arizona?
Rea
North Pinal, AZ
The Arizona Department of Insurance listed the following reasons on how auto insurance policy can be cancelled:
1. failure to pay the premium;
2. the auto insurance policy was purchased in a deceptive and misrepresentation way;
3. the person insured or any person who frequently uses the vehicle that is insured has:
a. his/her licensed suspended;
b. has been disabled permanently;
c. within the 36-month period before the effectivity date of the policy or within the policy period has been convicted of: crime that resulted to death, assault, or homicide that involves his/her ability to drive a vehicle; DWI and DUI; supplying untruthful information when applying for license; reckless driving; and leaving the scene of a vehicular accident.
4. the insurer’s certificate was cancelled or the insurer was placed into rehabilitation;
5. was determined by the Director of Insurance that maintaining the auto insurance would result to the policyholder’s violating the law.
Those reasons are only applicable if a car insurance policy has been in effect for more than 2 months or 60 days. For more information bout cancellation of auto insurance in North Pinal, Arizona, you may contact the Arizona Department of Insurance.
Cheap Non Owners Insurance Policy
Reader’s Question:
Hi, I have a friend who recently got a job here in Sarasota, Florida, and she needs a car to drive to and from work. The problem is they only have one car, and her husband uses it. I was thinking of lending her my car. If something happens while she’s driving, is my auto insurance going to pay for the damages?
Beth
Sarasota, FL
Hi, Beth! To answer your question–As long as she has your permission to drive your car, yes, your car insurance company is going to pay. It doesn’t mean that she has to get your permission every time she uses it–it’s just that you should be able to say that you actually lent her your car. I think, though, that it’s a different thing if she uses your car more than you do. Technically speaking, a car insurance policy is associated with the car itself. However, car insurance companies take note of who the primary driver of the car is also.
One thing you can do is to call your car insurance company in Sarasota, Florida and have your friend added to your insurance policy. If they find out that your friend is the primary driver, and not you, they may say that you have given them false information and not pay. Another thing you can do, and this is better, I think, is to ask your friend to get a non-owner’s policy. This type of insurance covers any car she may drive. But if she gets into an accident using your car, your insurance is who’s going to pay first, and then your friend’s policy will cover the excess amount that isn’t covered by yours.
Good Student Discount Insurance
Reader’s Question:
What do I have to do to be able to get good student discount on my car insurance in Bakersfield, CA?
Carmen
Bakersfield, CA
Many insurance providers in Bakersfield, CA recognize and reward good students with a discount. This auto insurance discount is usually offered to single drivers under 25 years of age. This good student discount applies to Bodily Injury and Property Damage Liability, comprehensive and collision coverages and medical payments, providing that each such young driver meets certain requirements. You may be eligible for a discount if:
- you are a full-time students in high school or
- you are enrolled as full-time students in academic courses in a university or college
- you graduated from a 4 year university and presently have a good student discount applied to your current car insurance policy and the student had a grade average of “B” or its equivalent
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.
Auto Insurance Cancellation In Maryland
Reader’s Question:
What is the difference between cancellation and non auto renewal of car insurance coverage in Columbia, MD?
Dustin
Columbia, MD
Cancellation takes place when the auto insurance that had been providing coverage decides not to sell insurance to you anymore, and the non auto renewal usually occurs when the policyholder neglects to pay the auto insurance company a premium. Generally cancellation makes it harder to obtain auto insurance than a non-renewal does.
Non-renewal means that the current insurance policy chose not to renew the insurance policy when it came time to being due again. Normally, this happens because the person covered on the policy makes too many claims during the time they were insured, such as driving under the influence, too many at-fault accidents, or too many tickets during the last three to five years. In case of of non-renewal, the insurance provider cancels the contract with the policyholder and, depending on the location; the driver of the vehicle would have to find comparative vehicle insurance. The insurer is required to send a notice of non renewal – usually thirty days – with the reason to drop your policy.
If you don’t pay your auto insurance premium on time, the car insurance provider has the option to cancel or cancel the policy. Your car insurance policy can also be terminated for misrepresenting information insurance providers find necessary about your risk level as a motorist or losing your driver’s license because to DWI or with an expired, revoked or suspended license. Some insurance providers may terminate your car insurance policy at any time, given that they give the amount of notice required by law, just because you are found to be a non desirable motorist.
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