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: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: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: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: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: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: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: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:Motorcycle insurance policies are available with standard coverage used for other vehicles such as bodily injury, property damage, medical expenses, comprehensive and collision, notes About.com. People purchasing motorcycle insurance can also purchase special coverage for total loss replacement, accessories, transport trailers, rental vehicles and roadside assistance.
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.
A:Run-flat tire insurance is add-on insurance that car dealerships offer to cover expensive tires such as run-flats in case of blowouts or accidents, reports Bankrate. Wheel and tire policies typically require a flat fee that covers repairs or replacements for a certain number of miles or period of time.
A:The United Services Automobile Association uses a specialized method based on a formula dubbed 17c to compute diminution of value claims, according to the Diminished Value of Georgia. During the process of computing the value of these types of claims, the insurer utilizes a tool known as the Evaluation Guideline Worksheet.
A:Some features of IGO auto insurance include property, liability and medical coverage, according to the company website. Property damage protects the insured against damage or theft, liability covers the cost of legal responsibility to other people for injury or property damage, and medical coverage pays for medical expenses or rehabilitation services.
A:Liability, collision, comprehensive, personal injury and uninsured motorist are categories of car insurance, states 21st Century Insurance. States have their own laws regarding which types of insurance and in what amounts drivers must carry.
A:Information an insurance company requires to give a car insurance quote includes the vehicle's make, model, year and vehicle identification number, and details such as the vehicle's engine type or body type, according to Auto-Owners Insurance. Agents also need to know whether the driver owns or leases the vehicle.
A:As of 2015, Vermont Mutual Insurance Group provides individual car insurance in Vermont, Maine, Massachusetts and New Hampshire, according to the company's official website. Insurance agents are located in these states as well as in Connecticut, Rhode Island and New York.
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.
A:Penn National Insurance offers several types of automobile insurance, including bodily injury liability, property damage liability, collision and comprehensive policies, notes the company. Penn National also offers auto insurance policies that provide coverage above other policies, such as those that cover towing, labor or replacement costs.
A:Some of the top recommended motorhome insurance companies are National General Insurance, Progressive Insurance, RV America Insurance, Good Sam Insurance Agency and Blue Sky. Esurance (through Allstate) and Safeco Insurance are also good choices, according to Consumer Advocates.
A:Compare prices for motorcycle insurance by assessing what sort of coverage the policies offer, reports Bankrate. Get quotes from home or auto insurance providers that may offer multi-policy discounts, companies specializing in motorcycle insurance and riding associations that offer insurance discounts, adds About.com. Look into the amount of discount that various insurance companies offer for safety considerations.