Vehicle Insurance

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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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  • 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 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 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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  • 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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  • 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 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 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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  • Q: How do insurance companies determine total car value?

    A: Insurance companies determine the total car value, or actual cash value, using a proprietary system developed in-house that includes the factors of make, model, mileage, damage, blue book value, internal auditing and third-party auditing. Most insurance companies also rely on the National Automobile Dealers Association, which provides precise pricing guides.
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  • Q: What happens when you total a leased car?

    A: When a leased vehicle is a total loss, the insurance company determines its cash value and pays that amount to the lease company. Unless the individual leasing the vehicle has gap coverage, he is responsible for any difference in the amount insurance pays and the terms of the lease.
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  • Q: What is SR 22 form?

    A: An SR-22 form is a Certificate of Financial Responsibility form. This form is required as proof of proper car insurance for individuals under certain circumstances.
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  • Q: What kind of policies does Esurance offer?

    A: Esurance offers a variety of property and vehicle insurance products, including car, motorcycle, homeowner's, health and life insurance policies, according to the company. The insurance provider also features policies for commercial vehicle, RV, travel trailer and classic car owners.
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  • Q: Are Erie car insurance reviews generally positive?

    A: Reviews of the car insurance offered by Erie Insurance Group are generally positive, with many reviewers mentioning the easy-to-reach customer service and low rates, states Credio. On the negative side, reviewers often mention the higher rates for business insurance than personal.
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  • Q: What information does an auto insurance card contain?

    A: An auto insurance card generally contains information about the policyholder's name and policy number, the effective date of the policy, the insurance provider and the state where the insurance card is valid, reports AutoInsurance.org. The card also shows the policyholder's vehicle identification number and information about the vehicle he owns.
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  • Q: How do you compare the services offered by cheap car insurance companies?

    A: Compare the services offered by cheap car insurance companies by considering the opinions of consumers on a state regulator’s website, and research an insurer’s financial health and customer satisfaction on reputable third-party publications, advises Bankrate. Get insights from car body shops on an insurer’s practices to determine the best deal available, recommends Edmunds.com.
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  • Q: How do you activate your CAA North & East account?

    A: To activate a CAA North & East account, visit the organization's website at CAANEO.on.ca. Choose Membership, and click Manage Your Account. To log in for the first time, enter your CAA membership number and leave the password field empty. Click the Login button to complete registration.
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  • Q: How can you purchase car insurance online?

    A: To purchase car insurance online, the buyer needs to gather all relevant information about the car, check his credit score and be prepared to offer full disclosure of his past driving record, states Allstate. Once information is gathered, find companies and submit the information to collect quotes to find the best deal available.
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  • Q: Can you get car insurance without a driver's license?

    A: In the United States, it is extremely unlikely to be able to get car insurance without a driver's license. A driver's license is almost universally required to drive a car, and is always a prerequisite for any car insurance application.
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  • Q: What does GEICO stand for?

    A: GEICO is an acronym for Government Employees Insurance Company. The insurance firm originally targeted customers in the military and those who worked for the government.
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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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