Car Insurance Questions and Answers

What can I do if car is stolen without comprehensive coverage?

2012-02-09T07:02:00Z

Comprehensive insurance coverage is what covers your vehicle for things that are “other than collision,” such as the theft of your vehicle...

How long is SR-22 required in Indiana?

2012-02-08T07:02:00Z

In the state of Indiana, you must file a SR-22 with the Bureau of Motor Vehicles for three years. The BMV in Indiana requires a SR-22 after...

How do I compare quotes for a new family vehicle?

2012-02-07T09:02:00Z

When shopping around for a new vehicle, it’s also wise to shop around and compare car insurance rates on the various vehicles you are thinking of...

Can I keep my rates from going up if I don't file a police report?

2012-02-06T12:02:00Z

This accident, though not your fault, could affect your car insurance rate whether or not you file a police report. However, being able to have...

Does a named driver exclusion continue at renewal?

2012-02-03T09:02:00Z

No. Normally, when you list a person as a named driver exclusion on your car insurance policy that exclusion remains active until you request a...

Can I drop insurance from a car I’m selling?

2012-02-02T10:02:00Z

If you had already sold the car to the person driving, then there may be steps you can take to keep your license from being suspended. If the car...

Will policy pay towing and storage for recovered stolen vehicle?

2012-02-01T09:02:00Z

It depends upon what coverages you have as part of your car insurance policy. If you have liability only, then it won’t pay for any towing or storage…

Can you cancel your policy after an accident?

2012-01-31T10:01:00Z

Even if your car is damaged or totaled in an accident, you would normally want to continue to keep your car insurance policy valid for a while, for a variety of reason. However, if your policy...

Will comprehensive cover my rims and body kit?

2012-01-30T07:01:00Z

Your comprehensive coverage should cover both the damage to your car and the rims and tires stolen off your new Honda Fit. The damage was done...

Do all traffic tickets affect my rates?

2012-01-27T07:01:00Z

Good news, not every single type of traffic ticket will affect your rates. Both minor offenses and major offenses that show up on your driving...

Can rust and previous damage be deducted from ACV settlement amount?

2012-01-26T10:01:00Z

Yes, your car insurance company can deduct for rust and previous damage when determining the actual cash value (ACV) of your vehicle. Rust, scratches...

Can I be forced to add boyfriend to my policy?

2012-01-25T08:01:00Z

Though it may seem odd to you, it’s not unusual for a car insurance company to require someone to be placed on your car insurance policy if the...

Does comprehensive cover stolen tools?

2012-01-24T06:01:00Z

While comprehensive coverage is the portion of a car insurance policy which theft goes under, unfortunately, it's unlikely that it will cover your tools that were stolen...

If I’m from out-of-state can Rhode Island require me to get a SR-22?

2012-01-23T11:01:00Z

Yes, it’s true that even if you don’t live in Rhode Island they can place certain conditions on you if you want to drive in their state...

Will your driving record show an accident if no police report?

2012-01-20T06:01:00Z

State laws and the way in which accidents are recorded on a driving record vary, but normally if police don’t show up at the scene...

What does my state require for auto insurance?

2012-01-19T06:01:00Z

Each state has its own auto insurance laws and requirements, so without knowing which state you reside in, I can’t tell you here exactly what your...

Can I be paid lost wages without being injured?

2012-01-18T07:01:00Z

No. If you weren’t injured in the auto accident, then you can’t claim for lost wages. Unfortunately, the time you had to take off of work...

Does uninsured motorist property damage come with a deductible?

2012-01-17T07:01:00Z

No. Uninsured motorist property damage deductible isn’t for when you’re the one at-fault in an auto accident. If you don’t have physical damage...

Is rekeying my car covered if keys are stolen?

2012-01-13T07:01:00Z

Comprehensive insurance covers damage to stolen vehicles, but not usually to re-key your vehicle after a theft because car insurance in general...

Is my parked car covered if I have limited tort?

2012-01-12T07:01:00Z

State tort systems normally deal with limitations on claims for injuries and not property damage. Since it was property that was damaged in this...