Vehicle Insurance

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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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  • 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 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 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 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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  • 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 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 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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  • 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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  • How can you easily compare car insurance prices?

    Q: How can you easily compare car insurance prices?

    A: People can more easily compare car insurance prices using online tools provided by TheZebra.com and Compare.com, as of 2015, notes Forbes. Before visiting these websites, consumers should learn about different types of insurance coverage and what their states require. They should also consult with more than one insurance agent after their searches to be sure they purchase the policies that are right for them.
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  • Q: Does AAA do RV towing?

    A: The American Automobile Association has a membership option available that includes towing a recreational vehicle up to 100 miles. Flat tire service is also included. Four calls involving a member's RV may be made during each year of membership.
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  • Q: What should business owners know when choosing commercial car insurance?

    A: Business owners should be aware that they face a higher rate of liability than personal drivers purchasing car insurance due to risks involved with employees and their passengers, work gear and equipment, notes DMV.org. When purchasing commercial insurance, business owners must consider the type of vehicle they need to insure and if cargo will be loaded and unloaded. If business owners want certain add-ons, such as lawsuit coverage, they must purchase them separately from most primary insurance policies.
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  • Q: How do you get a copy of your vehicle insurance card? [DIFFICULT]?

    A: Drivers with insurance through companies that allow online account management, such as Farmers, can log in and click on the policy number for the option to print a copy of their vehicle insurance cards, according to the Farmers website. Customers can also make changes to their policies and billing preferences.
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  • Q: Does AAA membership include vehicle towing?

    A: All of the three AAA membership levels, AAA Classic, AAA Plus and AAA Premier, include some level of vehicle towing. AAA Classic provides a towing benefit of 3 driving miles or unlimited towing back to a service provider per each service call.
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  • What does fully comprehensive car insurance mean?

    Q: What does fully comprehensive car insurance mean?

    A: Fully comprehensive car insurance means that the insured vehicle will be covered for various damages including flooding, hail or vandalism. The car is also covered if anything is stolen from or damaged inside the vehicle, or if the vehicle is stolen or destroyed in a fire.
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  • How do you get a quote from Elephant Auto Insurance?

    Q: How do you get a quote from Elephant Auto Insurance?

    A: Customers can receive car insurance quotes from Elephant Insurance Services by visiting the company's website and entering basic information about themselves, details about other licensed drivers in the household, a description of the automobile that needs coverage and the driving history of the primary driver, as the company's website explains. Alternatively, interested consumers can call the customer service number listed Elephant.com to ask questions, get quotes and purchase policies.
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  • Q: How do you find a driver's safety course to lower your insurance rates?

    A: To find a driver's safety course to lower insurance rates, research which insurance company provides the best quote and coverage for your situation, as well as the greatest possible discount. Then research what type of course is needed, sign up for the course, and successfully complete it.
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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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  • Can you drive any car with fully comped insurance?

    Q: Can you drive any car with fully comped insurance?

    A: A person with comprehensive car insurance should check with her insurance provider to find out if she is fully covered while driving a vehicle owned by someone else. Some comprehensive car insurance policies include extended coverage, but a driver should never assume she is automatically covered.
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  • Q: What is the average cost to insure a Bugatti?

    A: As of 2015, the average cost to insure a Bugatti Veyron is $2,500 per month, states Examiner.com. The insurance cost usually varies depending on the features of the vehicle.
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  • How do you obtain car insurance for one day?

    Q: How do you obtain car insurance for one day?

    A: Drivers can obtain car insurance for one day in a manner similar to buying regular auto insurance, advises CarsDirect. After gathering relevant information about the vehicle, its owner and drivers to be covered by the policy, request and compare quotes from insurance agents and providers, select an insurer and desired coverage, pay the policy premium, and get proof of coverage.
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