Understanding Car Insurance

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Can I sue my auto insurance company?

Dealing with the aftermath of a car accident is stressful. You are busy getting medical attention post-accident, repairing your car, filing an insurance claim, and working out how to get around while your vehicle is out of action.  Usually, your stress is eased a little because you know you can rely on your insurance company...

Dealing with the aftermath of a car accident is stressful. Y...

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Is auto insurance in effect during a state of emergency?

Insurance companies do not provide separate state of emergency car insurance plans. Still, if you get in an accident after the president or your state governor declares a state of emergency, your insurance company almost always has to process your claim. States can set their regulations for driving during states of emergency. Furthermore, not every...

Insurance companies do not provide separate state of emergen...

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Can I park my car on the road with no insurance?

It is normal to wonder whether you can get in trouble for street parking without insurance. After all, you’re not actually driving on the road, so your risk of injuring someone else with your vehicle is limited. However, most states require that you have insurance regardless.  This post discusses state auto insurance requirements and what might happen...

It is normal to wonder whether you can get in trouble for st...

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Can my auto insurance policies overlap?

Through simple human error, you may wind up having auto insurance coverage through two companies at the same time, or maybe you wanted to be doubly insured and decided to take out two insurance policies on your car to get the best coverage possible. Can you have your auto insurance overlap? Although it may be...

Through simple human error, you may wind up having auto insu...

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Does my auto insurance cover engine failure?

Does insurance cover engine failure? Engine failure is one thing no car owner ever wants to deal with. Not only does it make the vehicle completely unusable for a while, but it also comes with a significant price tag. That’s why it’s reasonable to ask whether your car insurance covers engine failure. In some cases,...

Does insurance cover engine failure? Engine failure is one t...

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Can I file an insurance claim without a police report?

It can be troubling to be involved in a car accident, no matter how big or small. If you’re in this situation, you need to know what to do next, and if your vehicle has sustained some damage, how to get it repaired and back on the road.  Yet, if insurance is involved, what’s the...

It can be troubling to be involved in a car accident, no mat...

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Does Car Insurance Cover Hitting a Pole?

Most people think that their insurance will cover damage if they hit a pole, but it depends on your policy. If you have collision coverage, your insurance will likely cover the damage to your vehicle. If not, you may be on the hook to pay out of pocket repair costs. You’ll also want to consider...

Most people think that their insurance will cover damage if ...

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Florida Windshield Replacement Insurance: What You Need To Know

If you have a cracked or chipped windshield, it’s typically a good idea to play it safe and get it repaired or replaced. The alternative is to risk receiving a ticket or getting into an accident due to an obstructed view.  Fortunately, Florida’s windshield law can help you get that windshield replaced for free if...

If you have a cracked or chipped windshield, it’s typicall...

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Do you get your deposit back from auto insurance?

Almost all U.S. states, except New Hampshire and Virginia, require drivers to carry auto insurance, meaning most Americans will need to apply for coverage eventually. Generally, when applying for coverage, insurers will require a deposit or down payment alongside an approved application. The initial deposit required with the application applies toward future coverage payments. Keep...

Almost all U.S. states, except New Hampshire and Virginia, r...

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Does auto insurance pay over the limit of bodily injury to settle lawsuits?

Being in an auto accident is awful, but the lawsuit that can follow is even worse. It’s scary to think of someone suing you. You worry you might lose your home or have your wages garnished if you lose the lawsuit, so it’s fortunate that car insurance does cover lawsuits in many situations. If you...

Being in an auto accident is awful, but the lawsuit that can...

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Is GAP insurance transferable if you sell the car?

If you sell your vehicle, it makes sense to ask yourself, “Is GAP insurance transferable?” Handing over ownership of your car doesn’t mean that everything else gets transferred to your buyer. While some vehicle warranties can remain intact across owners, insurance policies, including GAP insurance, cannot. It’s worth knowing which coverage can stay with the...

If you sell your vehicle, it makes sense to ask yourself, &#...

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Does my spouse have to be on my car insurance policy?

As a general rule, car insurance companies don’t require you to add a spouse to car insurance. However, there are different situations concerning car insurance companies that could prove that adding a spouse turns out to be a benefit or that leaving a spouse off is a way to save. When considering adding your spouse...

As a general rule, car insurance companies don’t require y...

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Should I get GAP insurance for a used car?

Guaranteed asset protection, or GAP, insurance is extra protection for your vehicle in case you have an accident that leaves the vehicle as a total loss. If you carry collision and comprehensive insurance, which is typically a requirement for any financed vehicle, then your insurer will pay out the value of the vehicle if it’s...

Guaranteed asset protection, or GAP, insurance is extra prot...

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Do you need auto insurance to be towed?

If your car has ever stalled out on the side of the road, or if you’ve ever been in a car accident, you may have had to get your vehicle towed. Getting towed is not the end of the world, but it can be a hassle. Depending on the type of insurance you have, you...

If your car has ever stalled out on the side of the road, or...

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Does car insurance cover key replacement?

If you’ve ever lost your car keys, you know how stressful it can be to get a new set. Unfortunately, the stress of replacing lost or stolen car keys can multiply if you have to get a new key fob, which can cost hundreds of dollars. Depending on the type of car insurance coverage you...

If you’ve ever lost your car keys, you know how stressful ...

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Can I backdate my auto insurance?

Car insurance is financial protection for drivers if a car accident causes damage or loss. An insurance policy is a contract that outlines both the insurance provider’s and the policyholder’s financial responsibility concerning the expenses resulting from an accident. Unfortunately, getting caught in a car accident without insurance doesn’t have a happy ending. Though you...

Car insurance is financial protection for drivers if a car a...

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Are auto accident insurance proceeds taxable?

After a vehicle accident, you may receive compensation. If this happens, one of your next actions should be to discover whether you received taxable insurance proceeds. The Internal Revenue Service (IRS) has specific guidelines in place to determine which insurance proceeds are taxable. The IRS considers each type of payment to have specific purposes, so...

After a vehicle accident, you may receive compensation. If t...

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Is auto insurance a utility bill?

Can car insurance be considered a utility bill? Find out here. If you’ve had to show proof of your address, you might have used a utility bill. Companies and organizations that use utility bills to verify a person’s identity and address do so because this is a simple and reliable method that should not be...

Can car insurance be considered a utility bill? Find out her...

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Can I buy a car without auto insurance?

Can I buy a car without auto insurance? The answer is usually no. You need to instantly buy auto insurance before buying a car. Do you need proof of insurance to buy a car? A dealership may prevent you from buying a car without auto insurance and won’t allow you to leave their lot with...

Can I buy a car without auto insurance? The answer is usuall...

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Do I need full coverage insurance to finance a car?

Do you need full coverage insurance to finance a car? If you finance or lease your vehicle, you need more than just a basic insurance policy. Can you get a car on finance with insurance included? Learning what insurance you need to finance a vehicle is important. So, just what insurance is required when financing...

Do you need full coverage insurance to finance a car? If you...

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