Collision insurance is a type of automobile insurance that covers the cost of the damage sustained in collision with another car, object or in a vehicle rollover. A deductible may have to be met before the insurance covers the damage.
A:When researching auto insurance policies, consumers should get at least three quotes from competing companies, either by contacting respective options via phone or online. Side-by-side comparison quotes are helpful because they allow people to quickly see differences in available coverage limits.
A:Join the American Automobile Association, or AAA, most conveniently by accessing the official AAA website. There, you can compare the various member plans, choose the right one for you, fill out the application and pay the applicable fee. You can also join by mailing in an application or visiting a AAA shop.
A:In its published review of October 2010, Consumer Reports rated Amica, Auto-Owners, NJM and USAA among the top tier of auto insurance providers. These four companies scored 92 percent out of 100 in overall customer satisfaction. The full report includes ratings for 22 major insurers that handle auto claims.
A:Liability insurance covers injuries, accidents and negligence for which a person or business is held responsible, according to Investopedia. A liability insurance policy pays for the medical expenses and compensation to the individual involved and other costs associated with a lawsuit, such as lawyer fees and court costs. A liability insurance policy saves a person or business from losing large sums of money due to a lawsuit.
A:Uninsured motorist insurance is a type of automobile insurance that protects a driver if they are involved in an accident with someone who does not have liability coverage. The options and limits for this coverage vary by state.
A:Collision insurance is a type of automobile insurance that covers the cost of the damage sustained in collision with another car, object or in a vehicle rollover. A deductible may have to be met before the insurance covers the damage.
A:A number of auto insurance companies provide short-term or temporary vehicle insurance. These policies, which can provide coverage from one day to eight months, are procured in the same manner as traditional auto insurance policies. However, because of their limited supply (not all insurance providers offer short-term auto insurance) and relatively high-cost, it is essential to review as many temporary plans as possible.
A:According to the Department of Motor Vehicles, how much liability insurance is required depends on the state in which you live. Most states have a minimum limit that drivers must have, but some states do not require any liability insurance at all.
A:When a driver does not own a car but needs to insure it, one option is to buy a non-owner's car insurance policy. If the person insuring the car lives in the same household as the owner, another option is to list the owner as a driver on the policy.
A:Insurance companies only offer auto insurance policies that last half a year because they want to be able to re-evaluate the cost of the policy after six months based on the policyholder's driving record during that time. The sale of an insurance policy is essentially a transfer of risk from the policyholder to the insurance company, points out Cover Hound.
A:The main benefits of having car insurance include financial protection from costs associated with accidents and lawsuits, and assistance from the insurance provider in finding a reliable repair shop in the event of an accident, reports Esurance. Depending on the coverages, car insurance also pays for accident-related injuries, nursing care while recovering from an accident and funeral costs.
A:DMV.org states that drivers can receive coverage from hitting a deer by purchasing comprehensive car insurance. Comprehension insurance covers damages occurring from acts of nature including wildlife. Liability insurance does not cover damages sustained from a collision with a deer.
A:To identify a fake auto insurance card, check for varying shades of print, which likely indicate that the card was photocopied, suggests InsuranceQuotes. Also check for any misspelled words or typographical errors, and determine if the car insurance card shows the usual contents of legitimate auto insurance cards, particularly a policy number and vehicle identification number, recommends EverQuote. Some states also have bar codes on auto insurance cards.
A:Good car insurance policies for young drivers include good student discounts and accident forgiveness, according to Nationwide Insurance. The company's studies show that students with a B average or higher are typically better drivers.
A:Reliable ratings for boat insurance companies are available online at Boat-Insurance-Companies.net. This website rates insurance companies based on the amount of protection provided, reliability, communication with policy holders, customer service and competence.
A:To use the comparison auto accident pain and suffering calculators at AllLaw.com, input the required information into the relevant fields and click Calculate. Each calculator relies on one of the two most common approaches that insurers utilize to quantify pain and suffering, per diem or multiplier, states AllLaw.com.
A:Depending on the insurance company, seniors may qualify for a host of senior driver discounts, including mature driver discounts, low-mileage discounts, retired military member discount and discounts for taking a special senior driver training course. Seniors may also qualify for discounts for being members of certain senior organizations.
A:Prestige car insurance provides specialty insurance for luxury and high-performance cars. It covers such renowned brands as Porsche, Aston Martin, Bentley, Mercedes Benz and Rolls Royce among others, according to the Alan and Thomas Insurance Group.
A:Obtain a car insurance quote online by visiting the website for an auto insurance company and accessing its online quote page. Enter details about your car, such as its make, model and mileage, along with your age and driving history to receive an estimation of the cost for coverage on that vehicle.
A:Shoppers can join the Good Sam Club through the Join tab on the home page of the Good Sam Club website. Membership fees for the organization range from $25 for one year to $60 dollars for three years, as of 2015.