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FAQ

After Crash & Repair Parts:

Question: Which coverages pay for damages to my vehicle?

Question: Can I demand original equipment manufacturer (OEM) parts in the repair of my vehicle?

Question: Do I have to use my insurer's body shop for repairs?

Question: I've just been in an accident. How will the insurer issue the check to repair my car?

Question: What should I do if I've just had an auto accident?

Coverage & Claims:

Question: Do I need to purchase insurance before I buy a new car?

Question: If the rental car is damaged while the insured is driving it is the insured's personal auto policy going to provide coverage on a primary basis or on an excess basis to that of the rental car vendor's policy?

Question: Since her stress condition is directly related to the accident, we believe that these bills should be covered by the PAP. What do you think?

Question: Two weeks after the effective date of the cancellation, the insured notifies the insurer of the second claim. Would this second claim be covered under the auto policy?

Question: Would the auto policy of the parents provide liability and physical damage coverage for the son in this instance?

Question: He says the injury would not have happened but for the accident. Is he correct?

Question: I cannot find an intentional acts exclusion under the physical damage part of the auto policy, so why is the claim not covered?

Question: What can I do to protect myself from uninsured drivers?

Question: Which states require drivers to buy liability insurance?

Question: I'm moving to another state temporarily. Do I need to purchase coverage in that state?

Today in the Reader Forums Having a problem with your auto insurance? Need some answers?

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General:

Question: Do red vehicles cost more to insure than other vehicles?

Question: Where can I find results of crash tests?

Question: The insured had sustained damage to the glass, paint, and chrome of his car due to acid rain

Question: The company car was not in the spouse's care, custody, or control; nor was she operating it. Who's right?

Question: The insured wants to have the locks changed on his car to protect against a possible future theft. Who should pay for this?

Question: What is an SR-22?

Premium Rates:

Question: My teenager just got a driver's license and the insurance rates are through the roof. Do I have to add him to my policy? Do I have any other options?

Question: Should I expect my premium to rise if I reported an accident to my insurance company in which I was not found at fault?

Question: I recently moved to the United States from a foreign country, and I had an excellent driving record in that country. Why are my auto insurance rates so high?

Question: I just got a speeding ticket. How much will it affect my auto insurance premium?

Question: How do you reduce the cost of collision coverage?

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