Car Insurance FAQ

• He says the injury would not have happened but for the accident. Is he correct?
• 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?
• The company car was not in the spouse's care, custody, or control; nor was she operating it. Who's right?
• Would the auto policy of the parents provide liability and physical damage coverage for the son in this instance?
• The insured wants to have the locks changed on his car to protect against a possible future theft. Who should pay for this?
• The insured had sustained damage to the glass, paint, and chrome of his car due to acid rain
• I cannot find an intentional acts exclusion under the physical damage part of the auto policy, so why is the insured's claim not covered?
• 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?
• 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?
• What should I do if I just had an auto accident?
• Do I have to use my insurer's body shop for repairs?
• I've just been in an accident. How will the insurer issue the check to repair my car?
• How do you reduce the cost of collision coverage?
• Which coverages pay for damages to my vehicle?
• I'm moving to another state temporarily. Do I need to purchase coverage in that state?
• Where can I find results of crash tests?
• Why are my auto insurance rates so high?
• Do I need to purchase insurance before I buy a new car?
• Can I demand original equipment manufacturer (OEM) parts in the repair of my vehicle?
• Should I expect my premium to rise?
• Do red vehicles cost more to insure than other vehicles?
• Which states require drivers to buy liability insurance?
• I just got a speeding ticket. How much will it affect my auto insurance premium?
• What is an SR-22?
• 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?
• What can I do to protect myself against uninsured drivers?

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