Vehicle 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 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 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 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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  • 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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  • 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 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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  • Q: What kind of insurance do you need for a classic car?

    A: Individuals insuring classic cars should purchase policies that include agreed value, spare parts, restoration and inflation guard coverage, according to American Collectors Insurance. Agreed value insurance ensures that if a total loss occurs, the policy pays the full value of the classic vehicle with no depreciation.
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  • Q: How long does it take to get your settlement from a totaled car?

    A: A number of factors affect the time it takes to get a settlement for a totaled car, resulting in payout times that range from weeks to months. Once the insurance company determines a settlement amount, it sometimes takes an additional two weeks to receive payment, says The Law Dictionary.
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  • Q: What does Sam's Club RV insurance cover?

    A: The Good Sam RV Insurance Plan covers stolen or totaled RVs; the contents of a client's RV (up to $3,000), and the hitch and other permanent attachments. Owners residing in their RVs receive coverage similar to that of homeowner’s insurance, states the Good Sam Insurance Agency website.
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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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  • What are some tips for choosing commercial truck insurance?

    Q: What are some tips for choosing commercial truck insurance?

    A: When choosing a commercial truck insurance policy, a business owner should select a policy that covers the driver and includes coverage for physical damage, cargo and primary liability, suggests Insurance Truck. Accident coverage, garage liability and general liability are also vital coverage. It's important to study a policy's terms and conditions thoroughly and avoid settling for inadequate coverage. Other crucial factors to consider include the insurance provider's reputation, years of operation and insurance quotation.
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  • Q: What is the difference between agreed value and stated value car insurance?

    A: An agreed value car insurance policy covers a vehicle in the event of total loss at an amount that is agreed upon by the car owner and his insurance broker prior to signing the policy, explains Leland-West Insurance Brokers. Stated value car insurance covers the lesser of the actual cash value and the stated value the insurance company places on a vehicle, states About.com.
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  • What kind of cars are the cheapest to insure?

    Q: What kind of cars are the cheapest to insure?

    A: In general, the cheapest cars to insure are the most inexpensive and those that cost the least to repair, says Forbes. As of 2015, these vehicles include family minivans and SUV crossovers. Cars with lower horsepower and those that are unlikely to be stolen are also cheaper to insure, explains Kelley Blue Book.
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  • Q: How do car insurance companies determine what to charge you?

    A: Insurance companies use factors such as coverage type, the amount of coverage, driving records, car type, parking location and driving frequency to determine car insurance rates, according to the Insurance Information Institute. Credit score, age and gender also affect car insurance rates.
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  • Q: What are some auto insurance symbols?

    A: Auto insurance symbols are numerical values, consisting of either one or two digits, used by an insurance company to indicate information about the type of vehicle covered, vehicle ownership, and its insurance coverage. Different symbols are used to distinguish the type of driver or how the vehicle is deployed, notes IMRI.
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  • Is car insurance more expensive for a convertible?

    Q: Is car insurance more expensive for a convertible?

    A: Car insurance is typically more expensive for a convertible than a car with an attached top. The exact price difference will depend on the insurance company.
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  • Q: Do women typically pay less for car insurance than men?

    A: A woman typically pays less for car insurance than a man does, according to DMV.org. This is due to the fact that women are less likely to be in auto accidents and don't normally drive as many miles as men or commit as many moving violations.
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  • Q: What is the Drive Safe and Save program?

    A: As of 2015, Drive Safe and Save is a discount program offered by State Farm for its auto insurance customers, according to the State Farm website. To participate in the program, State Farm policyholders use OnStar, SYNC or In-Drive to give the company information about their driving habits.
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