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Auto Insurance Frequently Asked Questions

Here are some common automobile insurance frequently asked questions. Just click on the question you are interested in to find the answer. Do you have another question that is not answered here? You can post it on the forum or email me directly!

What are Car Financial Responsibility Laws?
This is the state law that says you have to prove that you are financially able to pay for anything you may be responsible for while driving your car.

What Happens if I Choose Not to Purchase Car Insurance and Still Drive My Car?
That depends on the state you live in. Most states have stringent laws about having car insurance and if you don't choose to follow these laws by not purchasing car insurance, there can be tough penalties and fines.

Is anyone who drives my car covered?

What are the best liability policy limits?

What is the difference between comprehensive and collision?

What are the minimum requirements?

Why does my insurance cost more than my agent said it would?

How does my driving record affect my insurance premium?

Why is it harder to get insurance with bad driving records?

My car was totaled and my policy did not pay for all of my car, why?

What happens if my loan was more than my company says my car is worth?

My teenager just got his license, does he need to be insured?

What do insurance companies consider when deciding cancellations?

Does everyone have to have auto insurance?

Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.

Do I Have Insurance Coverage for a Rental Car after a Car Accident?
Having a car accident can be devastating. Not having an extra car available to drive while your car is being fixed can just add to that feeling. A motor club will not guarantee that you have a rental car so you will want to make sure rental car coverage is provided in your car insurance policy.

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