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 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 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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  • 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 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 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 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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  • 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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  • Q: Is it possible to insure another person's car?

    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.
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  • Why do insurance companies only offer car insurance for six months at a time?

    Q: Why do insurance companies only offer car insurance for six months at a time?

    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.
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  • What are the benefits of having car insurance?

    Q: What are the benefits of having car insurance?

    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.
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  • Does auto insurance cover hitting a deer?

    Q: Does auto insurance cover hitting a deer?

    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.
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  • Q: How can you spot fake automobile insurance cards?

    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.
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  • What car insurance policies are good for younger drivers?

    Q: What car insurance policies are good for younger drivers?

    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.
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  • Q: Are reviews of boat insurance companies reliable?

    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.
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  • Q: How do you use the auto accident pain and suffering calculator?

    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.
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  • Q: Do car insurance companies give senior discounts?

    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.
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  • What is prestige car insurance?

    Q: What is prestige car insurance?

    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.
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  • Q: How do you get a car insurance quote online?

    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.
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  • Q: How do you join the Good Sam Club?

    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.
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