Vehicle Insurance

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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.

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  • What are the Consumer Report's top picks for auto insurance providers?

    Q: What are the Consumer Report's top picks for auto insurance providers?

    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.
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  • How much liability car insurance is necessary?

    Q: How much liability car insurance is necessary?

    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.
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  • How do you get short-term car insurance?

    Q: How do you get short-term car insurance?

    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.
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  • What is a collision deductible on your auto insurance?

    Q: What is a collision deductible on your auto insurance?

    A: A collision deductible is the amount of money to be paid by the policyholder for damages in the event of a collision. The insurance company pays the rest of the costs incurred due to the collision.
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  • How do you compare auto insurance companies?

    Q: How do you compare auto insurance companies?

    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.
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  • What is collision insurance ?

    Q: What is collision insurance ?

    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.
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  • What does liability insurance cover?

    Q: What does liability insurance cover?

    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.
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  • What are the steps to joining AAA?

    Q: What are the steps to joining AAA?

    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.
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  • What is uninsured motorist insurance?

    Q: What is uninsured motorist insurance?

    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.
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  • Q: How can you get three-month car insurance?

    A: Going online and searching for insurance companies that provide limited term coverage is one way to get three-month car insurance, reports Car Insurance Comparison. If already insured, a person can also look to his current insurance provider to see if the company offers limited term coverage. Not all providers offer coverage for as little as three months.
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  • Q: How much car insurance do you need?

    A: The amount of car insurance a person needs depends on the type of cover needed. This will also depend on the state that a person lives in.
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  • Q: Do any insurance companies offer auto insurance discounts for taking free online driving classes?

    A: GEICO, Esurance and State Farm are some of the auto insurance companies that offer discounts to drivers who take online defensive driving classes. The discounts range from 5 percent to 10 percent.
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  • Q: What is no-fault car insurance?

    A: No-fault car insurance is a type of insurance product that covers damages sustained in a car accident without regard to which driver caused the damages, notes Nolo. When default is determined, the at-fault party's insurance company reimburses the other insurance company for compensation paid. No-fault insurance is available in the District of Columbia and 11 states: Florida, Kansas, Hawaii, Kentucky, Michigan, Minnesota, New Jersey, North Dakota, New York, Utah and Pennsylvania.
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  • Q: What are some tips for getting cheap auto insurance quotes?

    A: People seeking cheaper car insurance quotes should reduce coverage for older vehicles, raise their deductibles, indicate if they are infrequent drivers, look for discounts, and protect their cars from theft, notes About.com. People should also seek quotes for budget insurance from various carriers, as risk assessment practices that dictate their rates may vary.
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  • Do learning drivers need to be insured?

    Q: Do learning drivers need to be insured?

    A: According to Allstate, learning drivers with a learner's permit need to be insured. Teenagers learning to drive are eligible for insurance coverage under their parent's policy.
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  • What is the purpose of weekly car insurance?

    Q: What is the purpose of weekly car insurance?

    A: Weekly car insurance protects drivers and vehicles for a short period of time, according to CarsDirect. Instances in which weekly car insurance would be applicable include the temporary use of a vehicle, such as car rentals or borrowing someone else's vehicle.
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  • How do auto insurance companies determine payouts to policyholders involved in an accident?

    Q: How do auto insurance companies determine payouts to policyholders involved in an accident?

    A: Auto insurance companies determine payouts based on the extent of damage to a car; companies typically declare older cars with significant damage and cars with projected repair costs exceeding their value as totaled. Auto insurance companies evaluate cars following accidents, accounting for all internal and external damage. They assess the car to determine type and extent of damage; after considering these factors, insurance companies issue checks to policyholders for repairs or pre-crash value.
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  • What are some tips for choosing motorbike insurance?

    Q: What are some tips for choosing motorbike insurance?

    A: Some tips for choosing motorbike insurance include shopping around for lower-priced deals and inquiring from other bikers or insurance agents about available offers, according to Bankrate. By completing a motorcycle safety course or by joining a motorcycle club, individuals are more likely to qualify for certain insurance bargains.
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  • Q: How do you file a claim with State Auto?

    A: To submit a claim with State Auto, report online by going to the Claim Service tab on the State Auto website and clicking the appropriate insurance area from among Auto, Homeowners, Workers Comp, General Liability or Commercial Property, according to the company website. It is also possible to file a claim by contacting your State Auto agent or by directly calling the customer service center at the number listed on the State Auto website
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  • Q: What is MCA?

    A: MCA stands for Ministry of Corporate Affairs, and it has jurisdiction in the enforcement of various acts, rules and regulations that deal with the function of the corporate sector under Indian law. The MCA operates under the jurisdiction of the government of India and is located in New Delhi.
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  • Q: What does impound car insurance cover?

    A: Impounded car insurance covers the collection of seized vehicles in from police impound compounds in the U.K., according to Impounded Car Insurance. Since standard insurance providers typically do not offer impounded car insurance, drivers seeking coverage must seek a specialist insurer.
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