Reader’s Question:

I am wondering how does one file for auto insurance claim in Maple Grove, Minnesota? What are the things that are needed to be done? I am never involved in any vehicular accidents yet but I just wanna know so I’ll be ready when that happens. Thanks!

Aubrey

Maple Grove, MN

It’s nice to hear that you are not yet involved in any accidents and I hope you’ll never be.

As to your question, according to the Minnesota Department of Commerce, there are four things that you need to do when filing for a claim. In an event that you are involved in a car accident just follow these steps so you could file for a claim:

1. List down all the names of the drivers involved in the accident. This includes the driver’s auto insurance company, his/her policy numbers and even the plate numbers;
2. If there are any witnesses, get their names, contact numbers, and addresses.
3. Contact your auto insurance agent or the insurance department that processes the claims; and
4. Contact the other party’s auto insurance company or agent if you are going to file for a claim from them.

For more information on how to file for auto insurance claim, don’t forget to ask your auto insurance agent in Maple Grove, Minnesota.

Tags: auto insurance, car insurance claims, car insurance tips

Reader’s Question:

I am 18 years old. At present, I am under my parent’s auto insurance policy. I am curious, is it a must that I am listed under their policy? Is there an option that I could purchase my own auto insurance policy? What if I am going to drive their cars and will be driving my own car too at the same time? How would that work? By the way, I am from Deerfield Beach, Florida.

Bella

Deerfield Beach, FL

If you are going to register your own vehicle, then you can definitely purchase your own auto insurance policy. And to answer your question, it is a common practice among car insurance companies that they list the name of all the persons living in the same household with the policyholder. Generally, insurers do this to make sure they got the name of all possible users of the vehicle/s being insured. So given this, it’s only expected that you will be included on your parent’s auto insurance policy if you live with them.

Additionally, if you will still be using your parents’ car and at the same time you will be using yours, it appears to me that you will still be listed under your parents’ policy too as one of the users of their car/s and also under your own car insurance policy. To know exactly on how you can get you own auto insurance policy, ask your car insurance agent in Deerfield Beach, Florida.

Tags: auto insurance, car insurance tips, teen car insurance, young driver insurance

Reader’s Question:

Last week, while driving on my way home to Carol City, Florida something broke my windshield. I filed for a claim however my auto insurance company declined to pay for the damage since they told me that I don’t have comprehensive coverage on my car insurance. I have auto insurance coverage on all of my vehicles. If I am not mistaken, according to Florida state law, if it is not my fault then the damage made on my car should be replaced by my insurer free of charge. Isn’t that right?

George

Carol City, FL

To better help you with your question, I would suggest you check on the types of auto insurance coverage you have. Do you have comprehensive coverage or not? If you’re banking on the idea that since you have the state required auto insurance policy (Property Damage Liability - PD and Liability and Personal Injury Protection - PIP) and that forces your insurer to fix your windshield then you are mistaken.

Those mentioned kinds of auto insurance coverage do not at all cover the damage made on your windshield. This kind of coverage falls if you have comprehensive policy. Since it appears to me you don’t have that coverage then I would suggest you get one now. You can ask your auto insurance agent in Carol City, Florida or check the online tools like websites if you consider in getting that kind of car insurance policy.

Tags: auto insurance, car insurance claims, car insurance law, car insurance tips

Reader’s Question:

I will be buying auto insurance in High Point, North Carolina. I am aware of the things that I should think and do when buying car insurance policy. Is just need one more help about buying car insurance here. Is it better to pay the auto insurance premium at once meaning one time payment or through installment or let’s say on a monthly basis?

Charles

High Point, NC

Well, this question really depends on you. I cannot say whether paying in full is better than in paying on a monthly basis and vice versa. This is a personal choice. Let me ask you a question first. Will your financial status allow you to pay your auto insurance premium one time? Or will it not? If the answer is yes, then go ahead and opt to pay for one time only.

However, from what I know, the good thing about paying for one time is that you would get as much as 10% savings. This is a case to case basis though. Some car insurance companies offer this some do not. I would suggest asking your car insurance agent in High Point, North Carolina about auto insurance payment for some clarification.

Tags: auto insurance, car insurance online, car insurance tips, cheap car insurance

Reader’s Question:

I used to drive an old car, a 1989 Honda Civic model. However, just recently I decided it’s time that my Honda retires and bought a new car. I awarded myself and ended buying a high performance car - Lotus Elise. I added that vehicle under my auto insurance policy. And I was shocked to receive a notice of cancellation of my policy from my insurer. The reason for the cancellation was because I owned a Lotus Elise. I think this is unfair on my part since I always pay my car insurance bills on time. Can my auto insurance company do that?

Eric

Athens-Clarke County, Georgia

I’m sorry for what happened Eric.

That exactly happened to my boyfriend too. He was driving an old car and switched to a high performance car. And what he got was a notice of cancellation from his car insurance company after he added said vehicle.

According to the Georgia Office of Insurance and Safety Fire Commissioner, adding a high performance car (like Lotus Elise in your case) could result in the change of risk on your part. As you see, driving a high-performance car makes one a high risk driver. Hence, your auto insurance company’s decision to cancel your policy is legal.

I would say now is the best time to look for another auto insurance company in Athens-Clarke County Georgia. You could ask your car insurance agent or check the websites.

Tags: car insurance law, car insurance online, car insurance tips

Reader’s Question:

I am already eighty years old and will my auto insurance company cancel my policy if I get into an accident? I live here in Monroe, Louisiana.

Evans

Monroe, LA

In many states driving record, claims record and age can all be taken into consideration when an automobile insurance provider decides if they want to begin or renew an automobile insurance policy with a potential policyholder or when it is time to renew the auto insurance policy.

I suggest that you check what your state allows with regards to age, insurance carriers and accidents information with your state’s insurance regulatory body in Monroe, Louisiana.

In some instances an insurance carrier may not choose to renew your auto insurance policy (regardless of teh age) if you have more than one at-fault accident in your motor vehicle record. If you have three or more accidents, regardless of who is at fault, the car insurance carrier may decide not to renew your auto insurance policy. An insurance carrier may not renew for claims history, regardless of incidents. Some insurance carriers will require a doctor’s statement for drivers over the age of 75.

Tags: auto insurance, car insurance, senior car insurance

Reader’s Question:

My name is Martin. I’ve lived in Amarillo, TX for 57 years. I own a Citroën Traction Avant. Of course, I never really use it. But my question is: Why is the auto insurance premium rate so expensive when we vintage car owners take care of our cars really well?

Martin

Amarillo, TX

True, Martin, vintage car owners are fiercely protective of their car and take care of their vintage car really well. However, the auto insurance companies will not just look at the way you take care of your car. They will take into consideration, since they’re going to insure the car, the cost of repairing the car and the maintenance of its parts. Vintage car owners seldom drive their car around Amarillo, TX. They would only do so for automobile fairs or exhibitions. The concern here is that a minor dent or damage to a vintage car like your Citroën Traction Avant, for example, is so costly compared to modern expensive cars. Moreover, car parts store for vintage cars are not easy to find, and that is the primary reason why the parts are so expensive in the first place. Although the internet has made vintage car parts acquisition easier, it is still not enough to allay the concerns of auto insurance companies. And you really need to insure your car even if you don’t use it so much. The fact that the car is functional and you drive it once in a while to go to car shows mean that your Citroën Traction Avant can cause damage to other people and properties.

Tags: classic car insurance, vintage car insurance

Reader’s Question:

I am a new driver with no enough knowledge about auto insurance stuff. I’ve been looking around for different auto insurance policies and I am bombarded with several policies. I am aware of the policies required by California. I just want an advice on whether I should get comprehensive and collision coverage or not? I am from Union City, California.

Chris

Union City, CA

Don’t be so confused Chris. Help is here!

Let me first define what a comprehensive coverage is. If there’s damage on your vehicle that is caused by a non-related vehicular accident like theft, fire, hail etc., then this policy would back you up. It would cover the repair cost on your vehicle depending on the limits you have. On the other hand, collision coverage is like comprehensive. However, this time it would cover you if your car collided with another car. Hence, providing cost for the repair of your car and again depending on the specified limits you have on your auto insurance policy.

Now, you forgot to mention a very important factor that you need to consider in keeping or dropping those policies. How much is the value of your vehicle? If you car’s estimated value is at $1,000 then don’t ever consider getting those policies. Because honestly any future claims that you would be making would never exceed the cost for having those polices.

For additional information about car insurance, ask your auto insurance agent in Union City, California. Since you are looking for car insurance rates, I would suggest checking the websites.

Tags: auto insurance, car insurance tips, young driver insurance

Reader’s Question:

I am about to buy auto insurance. I already know the things that affect the car insurance rate in Green Bay, Wisconsin. There’s just one question I wanna know. I am a father and has teen sons which I will be adding under my auto insurance policy by the way. Will the driving record of my teen sons and also my wife affect my ability to purchase car insurance policy?

Erick

Green Bay, WI

When you said affect the ability of you in buying auto insurance, do you mean like affect a car insurance company’s judgment in insuring you? If you mean it that way, then the answer is yes.

According to the Wisconsin Office of the Commissioner of Insurance (OCI), the driving records of anyone who has a driver’s license in your household will affect auto insurance companies in insuring your car/s. Their driving records (if not so good) could have your application for the auto insurance turned down by the insurer or get higher car insurance premium.

For more information about car insurance in Green Bay, Wisconsin, you could ask your car insurance agent or even check with the Wisconsin Office of the Commissioner of Insurance (OCI). If you are shopping for auto insurance rates, you can also check the websites.

Tags: auto insurance, auto insurance quotes, car insurance rate, car insurance tips

Reader’s Question:

If I have a bad credit will that increase my car insurance rate in Brownsville, Texas?

Ben

Brownsville, TX

A bad credit record puts you in a category of motorist who file car insurance claims more often than the rest of people who have a good credit record, and since that adds more risk onto you already very risky SR22 insurance policy in Brownsville Texas, then you are likely to have some car insurance rates which are very expensive at first and you will also likely have trouble getting automobile insurance at all.

If you are looking to get cheaper Brownsville SR22 car insurance rates, then you need to work on improving your credit record. Heres what you need to do:

1. in order to get rid of your bad credit history, you will have to get any items that are not accurate on your credit record be removed from your credit report, and then you will have to pay off what remains;

2. Start building good credit standing, by applying for a credit card, then paying it all off every month.

I am sure that once you start paying off your debt to improve your Brownsville SR22 rating, it is essential to begin paying off the debts.

Tags: auto insurance, sr22 car insurance