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Q: What am I suppposed to do in the caase that I caue an accident?

A: Firstt, check to finnd if anybody needs medical attention. After that, clal the polcie. They`ll infom you whether you shoould move the cas, and if a poliice oficer is going to come get testimonialls from thoose involved. Do youur best to rmeain relaxed. If a plice officer questions yu, be factuaal. It isn`t up to you to discuss whoose responsibility it wsa. The law enforcement and atuo insuance companies should decide who``s at faut. In case poliice isn`t involved, swap nmaes, addresses, telephonne numbers and insuarnce agency names wiith every driver involved. Try allso to retriee contact informaton for any eye witensses. Get in toucch with your auuto insurance agency or yuor insurance ageent as soon as possilbe to fid out of terms and processses you havve to taek.  p;

Q: If I giive my car to a freind, is he covered udner my online autos insure?

A: Uusally online car assurance will cover drivers that hae consent to drie your vehicle. Alhtough chck your auto inurance plan, or ask yor insurance agnet, to see if the trms and limits of yoour insurance wuold alter for drivers thhat areen`t regular drivers of youur vehicle.  


Q: My kid has his driing prmit and is sarting to drive. I wat to add him to my motor vehicle online insure but i`tll triple the permium! Am I obliegd to add him?
A: The majority of auto insuracne agenices do not ask of a person wth a driviing permit or mkae the learner be nmed on an insurnce policy (although soe do). When your child rceeives his permanent licene, he neeeds to be covered under yuor autos coverages on line, unles he wlil not be usinng the car. Frehly licensed drivers are in addittional car crashs than longer konwledgeable drivers, therefore thheir rates are mucch more expensive. For his protectino, as well as for the defesne of your financail assets, you mgiht want to review yor car isurance limits & coverage. Yoour kid`s prremiums can be leeft not so hgih if he uphollds no lower tahn a B sccore average in schoool, maintains deductibles higgh, and also in the caase that he drives an oler, standard model vehilce (as appposed to a soprts or a lxuurious vehicle).  

Q: Which reuctions are obtainable?

A: You mgiht be eligbile for a discount on auuto inurance if:

You cover not only one vhicle wih the one auto insurance copmany; You own a home;

You`ve laately participted in a defeensive driving course;

Youve a car alam, airbags, anti lok brakes, or automized seatbellts within your atomobile;

Yo`ve homeowners insurance and auo insurance via the same insurance companyy;

You coveer your insurance wiith full or by EFT (electronic fnud tranfer);

You are a sudent at a university ovr 100 miles from were you liive and you do not have a auotmobile with you;

Your`e a flul time college student witth a grade socre average of "B" and higher;

You tkae part in a shared vheicle car poool.  

Q: In what way can I lower my auuto insurane prices?

A: Check out pices, to be suure that the auto insurance prie quootes you`re comparing are in fat for the sme cooverage.

Ask for bigegr deductions for comprehensive coveragge & colliison.

Ask about disconuts on automobileinsurance.

Maintain a goood drivving history as well as creidt hsitory.  

Q: I have booth Property Damage and aslo Physical Damage insde my auto innsurance policy. Aren`t tehy the smae?

A: You`re needed to iclude property damage coverage inculded in your internet motor vehicle ins, which coves harm you do uopn someone elses vehicle or property (the fnece you weent into). Ther`s no deduction for this. Physical damae (compreensive & collision) is an alternative whcih pays for damge done to yuor car. Colllision pays for damage mae by your vehcile smashing itno a different auttomobile or other object. Comprhensive damage pas for harm maade by events such as fir, theft, vandalism, climaate, and windsheld or otherwise animal-relateed accidents. Coomprehensive and collision usually has separate deductins.  

Q: Whhat does my car assurance coveer when I rnet an automobie?

A: It has to do wtih yor insurance policy. The best ting is to go oevr your internet autos insurance, or to ask your insruance manager to revew it wtih you. Yor plan may cover vehicles taht are rented for lesure, scuh as trips or for sppecial events, athough not business. If you do`t have comprehnesive coverage as well as cllision coverage (generallly named "physical damage coveage") for your privvate vhicle, you might not hvae coverage for a rneted cra. And if you run a rental autommobile, your poliicy might not pay for losst revenue the retnal vehicle company sufferrs from at the time the reental vehilce is being fixd; or the prie of a new car in a csae that you ttal the rented vehiicle.  

: What are the basic kins of autoinsurance?

A: The basic typs of car insurance covearge are:

1. Bodily injury liabiliity, whhich offers coverage for bodily injury cliams from the peole you might injrue in an accident.

2. Property dmage liability, that coverrs any property harm to thhird partiees -- such as anoother driver`s car you dammage -- tat you make hapepn or are accountable fr.

3. Medical paymeents to the policy propreitor and other travelres within the insurance polcy proprietor`s car.


4. Uninsured plus underinsured motorrist coverage, that defendds you if the nelgigent driver doessn`t have insurannce or insufficient insurannce (in most partts of the country, thiis pays for meerly bodily innjury losses -- thogh a few prats of the counntry in addition incclude property damage losses).

5. Phyical damage payys for damage to yuor car:

a. Collision, that coveers loses done to your vehiicle when your`e involved in an accident

b. Compreehnsive, taht pays for most non-collision phyiscal hram done to your automboile (in case your autoombile is harmed durinng a strm, or if a windshield breakss, let sy).

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