May 18, 2010, 8:13 am
Eric Morris asked:
It is mandatory by most states to carry auto insurance. Auto insurance offers protection to the vehicle owners in the event of a sudden mishap. Many states make it mandatory, for vehicle owners to obtain liability coverage to protect other drivers in case of an accident. There are different types of auto insurance in the state of California. High-risk auto insurance is offered to drivers, who may be considered as high risk drivers. Generally, the premium of high-risk auto insurance is relatively high.
Teenagers are also considered as high-risk drivers, due to inadequate driving experience. As a result, they are charged very high premiums. There is a growing need to make the teenagers understand the importance of a good driving record. Safe driving and a good driving record are important factors that contribute to a lower premium. Insurance with higher deductibles always attract lower premiums. High-risk insurance is also required for cars that can be considered as high-risk such as sports cars. It is recommended to verify the class of the car before buying it. Teenage drivers can buy a ?stand alone policy?, from a company that offers insurance to teenagers.
Generally, car insurance companies determine the premium on the basis of several factors, such as age of the driver, the type of car, driving record, deductibles, and the credit score of the driver.
The driving record of a driver is severely affected by the number of accidents, and the violation of traffic rules. The number of speeding tickets issued to drivers also wrecks the driving record. Most insurance companies refer to the last three years of a driver?s driving record, while evaluating the premium of the policy. Women are considered as safe drivers as they usually drive at lower speeds. Drivers in the city may be charged higher than drivers from small towns. Newer cars also attract high premiums.
Many reputed insurance companies refuse to offer insurance to high-risk drivers. However, there are several insurance agents specialized in providing insurance, to high risk drivers and drivers who own a sports car. The insurance companies may also exercise some limitations, on the types of coverage offered to such drivers.
Does Fat Loss 4 Idiots Really Work?
November 18, 2009, 9:14 pm
Lorraine asked: I was in an auto accident and I have medical insurance. My medical insurance covered my medical expenses; however, I wanted to know if the auto insurance is still liable for those expenses? It seems as if my having medical insurance should benefit me and not the liable party’s auto insurance company. If I did not have medical insurance the auto insurance company would still have to pay for those expenses. So shouldn’t they still have to pay for those expenses and I get what ever is left that my medical insurance company did not pay? Are there any laws statures that back this up in Georgia? I am trying to settle this claim without getting an attorney and I need all the help I can get. Any advice would be helpful. I am in the process of writing a demand letter. Thanks for all the help.
BUSINESS LOANS in Less than 7 Days! Get up to $100K
November 14, 2009, 10:43 pm
JY asked: My friends home got broken into and car keys were stolen and with that stole the vehicle. The vehicle only had liability insurance. Now both homeowners and auto insurance are telling them that they won’t pay for that loss. Is this correct in any way? The vehicle has a value of $7K. Would obtaining an attorney be helpful?
BUSINESS LOANS BANKS ARE SAYING NO, We CAN SAY YES! Get up to $100K
November 4, 2009, 12:08 am
Giggity asked: I switched auto insurance companies recently and I was just wondering if there is any reason at all I should keep my old auto insurance bills from the old company. I’m the one who HATES clutter and I want to get rid of things I don’t need anymore. Thanks.
auto insurance
September 20, 2009, 2:44 pm
bigdogchris asked: I bought a used car a few months ago that had a near flawless finish. Over the past few months it’s been scratched several times by my nephew on his bike. We’ve talked and now I need to file a claim with my insurance. The marks are everywhere, back of the trunk, right rear quarter panel, hood, left rear quarter panel.
The problem is, before I knew I could claim damages, I used a touch up kit to cover the scratches and gouges so they are hard to see. But I could still take pictures of them as they stand now and probably get a letter from the salesman, proclaiming the condition that he told it to me in. What else do I need to file a claim with Auto Owners? Yes, I have full coverage, including comprehensive.
Website content
