BACK TO AUTO INSURANCE Q & AS Who Is Covered By My Personal Auto Policy?
You and the family members, friends and associates that you let borrow your car are all covered by your personal auto policy.
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What Is The difference between Life Insurance and Auto Insurance Risk?
The major difference between auto insurance risk and the risk associated with life insurance is that, while you can only die once, you can have many auto accident claims.
→ Read MoreWhat Is Auto Insurance?
Auto insurance is a contract with an insurance company that can protect you against severe financial loss if you are ever in an auto accident.
→ Read MoreWhat Is Assigned Risk?
If your state requires you to have auto insurance in order to drive, you may be faced with a dilemma if insurance companies won’t accept you.
→ Read MoreWhat Happens To Me If I Drive Without Auto Insurance?
If you are involved in an accident or stopped by a police officer and found to be driving without insurance or proof of financial responsibility, you will be subject to penalties specific to the laws of your state…
→ Read MoreSome States Have A Financial Responsibility Law. What Do These Laws Require?
States that do not require you to have insurance require a demonstration of financial responsibility, which could include demonstration that you have sufficient assets to settle any judgments against you that may arise out of an accident.
→ Read MoreMy State Has A Comparative Negligence Law. How Does That Work? Who Decides How Much I Was At Fault?
The fault for an accident is not always placed squarely on one participant; one party is not necessarily held totally at fault and the other totally blameless.
→ Read MoreMust I Have Auto Insurance?
Most states have laws in the books that require basic auto insurance coverage for every driver.
→ Read MoreIs It True That Auto Insurance Rates Have Been Falling Across The U.S. In The Last Couple Of Years?
Yes. After many years of rate increases, the cost of car insurance fell slightly, by 0.3%, in 1998, and another reduction is expected for 1999.
→ Read MoreIs Automobile Insurance Available For Everyone?
Yes. Since most states require auto insurance of all drivers, the states have assigned risk plans to assure coverage if you are unable to find an insurance company willing to accept you.
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