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What happens if I don’t buy car insurance?

Auto insurance can be expensive, and many people may find it difficult to justify the cost of insuring a vehicle that they rarely drive. Although it may be tempting to forgo insurance, the costs of being uninsured greatly outweigh the benefits of avoiding an insurance policy. Driving without insurance can lead to lawsuits, suspended licenses...

Auto insurance can be expensive, and many people may find it...

Collector Car InsurancePost

Collector Car Insurance

For most people, cars are just a way to get from one place to another. For others, cars can be a passion and a collector’s item. For people who appreciate cars as more than mere transportation, car collecting and restoring can be a very valuable and rewarding hobby. Although restoring a classic car is a...

For most people, cars are just a way to get from one place t...

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Will my car insurance cover car pooling?

Car pooling is a way to reduce the costs of transportation to and from work, school and other destinations. When you car pool, you travel with a group of people in a single vehicle rather than each person driving their own individual car. Because only one car is used at its full capacity, there are...

Car pooling is a way to reduce the costs of transportation t...

Car Insurance 101Post

Car Insurance 101

All drivers need car insurance in order to legally own and operate a vehicle. Specific requirements vary from one state to the next, but most areas require drivers to maintain basic liability coverage. This type of policy covers damages and injuries that a driver causes with their vehicle. Drivers can also choose to buy full...

All drivers need car insurance in order to legally own and o...

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Do I need liability insurance on a collector car?

For many people, restoring a collector’s vehicle is a fun and challenging hobby. For others, it can be a powerful status symbol or just a way to get a great-looking car. Whatever the purpose of the vehicle, it’s important to carry an appropriate amount of insurance on a collector’s car. Antique cars have special needs...

For many people, restoring a collector’s vehicle is a ...

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Can I get sued even if I have car insurance?

The primary purpose of liability insurance is to pay for damage or injuries that you cause so that your assets are protected from lawsuits. Because you are legally responsible for an at-fault accident, you are required to pay for the damage you cause. If you do not have insurance, you can be sued for that...

The primary purpose of liability insurance is to pay for dam...

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Will my car insurance cover a repossessed vehicle?

Whenever you finance a vehicle, you do not properly own the car until all payments have been completed and the car is paid off. Whether you are leasing or simply making payments toward ownership, the financing company is allowing you to use the car on the agreement that you will pay for it incrementally until...

Whenever you finance a vehicle, you do not properly own the ...

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Should I talk to an insurance adjuster without a lawyer?

If you are required to talk to a claims adjuster about your accident, you may wonder if you should have a lawyer present during your conversation. The decision to have a lawyer present can be a good one if you are dealing with a hostile adjuster, but is often not necessary with proper precautions. Personal...

If you are required to talk to a claims adjuster about your ...

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How do I find previous car insurance claims?

If you want to find out if a car has a history of accidents or damage, one way to get this information is to find the previous insurance claims filed on the vehicle. This information may be very useful if you are trying to negotiate a price on a used vehicle; if you want to...

If you want to find out if a car has a history of accidents ...

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Is my boyfriend covered under my car insurance?

If your boyfriend operates your car occasionally, you may make the assumption that he is covered under your car  insurance policy. This is a natural assumption; after all, most car insurance policies cover other drivers who operate your vehicle, so your boyfriend should be covered by your policy for any damage he causes. However, there...

If your boyfriend operates your car occasionally, you may ma...

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Is my girlfriend covered under my car insurance?

If someone else drives your car, you could be in for an unpleasant surprise if that person is not covered by your auto insurance policy. For example, are you certain that your girlfriend is covered if she operates your vehicle? If she is not and causes an accident, you could be personally responsible for the...

If someone else drives your car, you could be in for an unpl...

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Do I need separate car insurance for every car I own?

If you own more than one car, do you need more than one car insurance policy? That question is a little misleading, and reveals a misunderstanding of just how auto insurance works. A better question might be, “What kind of insurance do I need for each car I own?” You may have different types of...

If you own more than one car, do you need more than one car ...

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Do I need car insurance with a Learner’s Permit?

Learning to drive is a major stepping stone in life, opening one of the first gateways to adulthood. Most drivers begin driving between 15 and 16, and must go through a transitional period with a learner’s permit before obtaining a full driver’s license. Laws vary from one state to the next, but generally new drivers...

Learning to drive is a major stepping stone in life, opening...

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How do I dispute the amount of a car insurance claim?

Whenever you file a claim with a car insurance company, the company will determine how much it owes you based upon an estimate of vehicle damages. In most situations, this estimate will be completed by an insurance employee called a damage adjuster. The adjuster will complete an inspection of your vehicle and provide you with...

Whenever you file a claim with a car insurance company, the ...

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Can I add my wife to my car insurance policy?

Whenever you purchase auto insurance, your car insurance company will ask you a few questions about your household and driving habits. One question they will ask is whether anyone else in your home has access to your vehicles. Anyone who lives in your home and is able to drive your car will be assumed to...

Whenever you purchase auto insurance, your car insurance com...

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Do I need car insurance on a car I am restoring?

Any vehicle you own that could cause damage to another person’s property needs to carry liability insurance. Even if you don’t drive the vehicle regularly, you should carry insurance on that car. In the case of classic cars or those undergoing restoration, carrying certain auto insurance coverage is a wise idea. It may not be...

Any vehicle you own that could cause damage to another perso...

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Can I increase my car insurance at any time?

Car insurance is one bill that cannot be completely cut from a household budget. As long as you own a vehicle, you need to carry liability insurance. If you want that vehicle to be repaired when it’s damaged, you will need to purchase full coverage auto insurance as well. The more coverage your policy includes,...

Car insurance is one bill that cannot be completely cut from...

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Can my car insurance company make me use a repair shop?

Whenever you buy auto insurance, the insurance company agrees to repair or replace your damaged vehicle if it is involved in a qualifying accident. The coverage that you purchase determines what your insurance company will pay for. For example, collision coverage pays for damage caused by an accident with another person or property; liability insurance...

Whenever you buy auto insurance, the insurance company agree...

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Can I add my husband to my car insurance policy?

Most people live separate lives before getting married. After the wedding, couples must decide what accounts to keep and where to consolidate: whose house to live in, which cable company to use or whose insurance to cover the house and cars. While it’s perfectly acceptable to insure your own vehicle and have your spouse insure...

Most people live separate lives before getting married. Afte...

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Can I add my cousin to my car insurance policy?

Whenever you purchase an auto insurance policy, your car insurance company will ask who has access to your vehicles or will be regularly driving them. This question helps to determine the insurance rates charged for a given vehicle. If a vehicle is routinely driven by someone not listed on the policy, this may cause problems...

Whenever you purchase an auto insurance policy, your car ins...

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