Auto Insurance online - How it protects you and your vehicle

Submitted by Anonymous (not verified) on Mon, 12/21/2009 - 09:12
Every state requires you to purchase a minimum auto insurance or vehicle insurance coverage to protect you and others from damages caused by an accident. However, what kind of protection you will get depends on your state's auto insurance laws.



What is auto insurance?

Auto/vehicle insurance is where you pay a regular premium and the insurer compensates you for any financial loss that occurs if you get involved in an accident.

Because every state requires you to have the state minimum coverage, you should look for affordable auto insurance that will protect you if you have an accident. If you are a good driver and haven't had any parking tickets or accidents recently, then most insurance companies will offer you discount auto insurance policies.
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What does auto insurance cover?

Your basic policy should cover the following:
  • Bodily Injury Liability: This provides protection if the driver, policyholder, or the policyholder's family member causes bodily injury to someone else.
  • Personal Injury Protection (PIP): If the passengers and driver of the policy holder's vehicle are injured, PIP covers the cost of treatment and may also cover lost wages, cost of replacing services, and funeral costs. Search the internet for best auto insurance rates.
  • Property Damage Liability: If you or someone else permitted to drive your car damages others' property, this coverage will protect you. When you look for free auto insurance quotes, make sure you will be covered under the Property Damage Liability coverage.
  • Collision coverage: This compensates for damage to the policy holder's car as a result of collision with another car. Even if you are at fault, this term will cover the cost of repair to your car minus the deductible. If you are not at fault, then your insurer will try to recover the cost from the other driver's insurer.
  • Comprehensive Coverage: Many of you may be asking yourselves "What is comprehensive auto insurance protection?". If you suffer a loss due to theft or a damage caused by something other than a collision, like a fire, explosion, earthquake, or windstorm, then this protects you.
  • Uninsured/Underinsured Motorist Coverage (UM/UIM): Individuals who buy cheap car insurance are often underinsured and do not have enough money to pay for losses if they are involved in an accident. If an uninsured, underinsured, or hit-and-run driver hits you or your family member, this term will reimburse the cost of your damages. You will also be protected if you are hit as a pedestrian. When you buy car insurance compare quotes for UM/UIM coverage from different companies.
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What are the benefits of buying auto insurance online?

With many companies offering online auto insurance quotes, it is easier for you to research the policies, terms, and conditions and compare them. You can also check the company's auto insurance reviews to make the best choice.

Here are 4 benefits you can get if you buy auto insurance coverage online:
  • Easier research: The internet allows you to do extensive research on various companies without having to visit each company. You can easily find the cheapest legal auto insurance online to suit your budget.
  • 24/7 service: This is the best part about looking for information online; you can find information when you need it.
  • Manage a policy: You can manage your policy, print out proof of coverage, and view/ manage your bill online.
  • Claim: You can even file a claim online and follow it up online.
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Which factors influence your auto insurance rates?

When you apply for an auto insurance coverage, the company sends over your application to the underwriters. The underwriters evaluate the level of risk associated with an applicant, and accordingly approve and fix his/her rate or reject the application. The factors which are usually considered for the auto insurance underwriting process are:

  1. Age and gender of the driver
  2. Driving records/ history of the one to be insured
  3. Prior claims history
  4. Efficiency of the driver (driving education)
  5. Model, make and type of the vehicle
  6. Age of the vehicle
  7. Mileage of the vehicle
  8. Location (where it'll be used)
  9. Purpose for which the vehicle is used (work, personal, pleasure or commercial etc.)
  10. How the vehicle is garaged
  11. Your choice of deductible, limits of coverage and benefits
  12. Auto insurance score
To know how these factors affect your auto insurance rates, click here.
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Converting to a low cost policy

Discount auto insurance schemes can help you convert your basic policy into a low cost auto insurance policy. You can find many cheap auto insurance quotes that will allow you to save money and provide adequate coverage. Take a look at few of the ways to save money.
  1. Safety measures: A few insurers offer discounts for safety measures like anti-lock brakes on used cars.
  2. Multiple policy rates: Some of the bigger insurance companies that provide different types of insurance offer "bundle" rates if you buy several kinds of insurance, like life insurance and homeowner's insurance in addition to your car insurance.
  3. Safe driver's discount: In many cases, insurers offer a safe driver's discount if you go for a certain period without a ticket or accident, usually 3 years.
  4. Renewal discount: If you have been with an insurer for a long time, they might offer a renewal discount to get you to continue your current coverage.
  5. Discounts for students: If you are a student, unmarried, under the age of 25 years, and you meet the grade requirements, you may get cheap auto insurance.
  6. Choosing a higher deductible: If you choose a higher deductable, your premium payment will be less, but you will have to pay more if you have an accident.
  7. Type of car: The type of vehicle you buy is a factor your insurance agent uses to determine your auto insurance premium rate. The quotes you get for an expensive car will be higher than for a more standard car. The age and size of your car also determines how high your premium is.
  8. Good credit history: Maintaining good credit history may also entitle you to certain discounts.
  9. Low mileage discounts: Some companies may also offer certain percentage of discounts to individuals who drive less than the average number of miles each year. If you are one of them, then you may also get this privilege.
Apart from the above, there are other ways to maximize your auto insurance benefits while minimizing costs. Learn more...
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Will your premium go up after you file a claim?

Every insurer will increase the amount of your premium if you are involved in an accident. The increase is decided by the auto insurance company you purchased your policy from.

If you have a bad driving record, your motor insurance company may refuse to renew your policy and varies from one company to another. Accidents caused by drunk driving are more likely to result in a non-renewal of your policy.

If you decide not to inform your insurer about a minor accident, it may cause problems later. If you get sued by the other driver, your auto policy provider might not cover you because of the time lapse. Even if the claim is not refused, it will be harder to find evidence to support your case.

No one can predict when they will get into an accident. Investing in automobile insurance, protects you and your family during accidents and from losing your license for driving without insurance.
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Related readings

Useful auto insurance letter

I've heard of so many automobile insurance claims that affected the insured's premiums. Is it possible for anyone to guide me regarding the major auto claim factors that affect our premiums?

Posted: 30 Jun 2011 06:23 Post Subject:

I KNOW SOMEONE WHOE "ACCIDENTLY" HAD SNOWMOBILE FALL OFF TRAILER CAUSE HE DIDNT WANT TO MAKE PAYMENTS ANYMORE. ANY ADVISE

Posted: 07 Jul 2011 01:36 Post Subject: different car

Why would liability insurance go up on someone when they change cars from a 1999 dodge to a 1987 Lincoln? My insurance agent says because they consider the Lincoln more valuble but what dif does it make if only liability? Insurance went up 120.00 more a year.

Posted: 07 Jul 2011 01:51 Post Subject:

Why would liability go up between a 1980 VW Beetle and a 2010 Lamborghini? It goes along with the likelihood that the vehicle will be in an accident and cause property damage and/or injury. It goes more to the type of driver and the driving habits of the person who drives that type of vehicle. Would I be more risky behind a Lamborghini then a Beetle? Probably (YES!).

Its the same here but the distinction is less obvious. It's all about numbers and statistics.

It's also possible that it was not just the liability that increase.

Posted: 07 Jul 2011 01:59 Post Subject:

You mean since its a bigger car it will do more damage?

Posted: 07 Jul 2011 02:05 Post Subject:

No dif in driving habit. Just bought linc cause it was inexpensive. Also when you go online to search dif insurance co can your current insurance comp find out or even if I call diff ones. In other words do they communicate with each other cause I wonder why they ask who you are insured with now.

Posted: 07 Jul 2011 03:56 Post Subject:

No dif in driving habit. Just bought linc cause it was inexpensive.



Could be a "morale hazard" penalty rating. If you consider the car a "throwaway" (like a $50 VCR), you may be less likely to care about your driving than if you were driving a $200,000 Lamborghini. At least that's what the insurance company might be thinking. How's your credit rating?

Posted: 17 Jul 2011 04:54 Post Subject: Does Premium affect claim amount?

Does the premium affect Claims amount to be paid? What factors attribute to the claim amount?

Posted: 18 Jul 2011 12:57 Post Subject:

Does the premium affect Claims amount to be paid?



Only to the extent that the premium you pay determines the total coverage you have. In other words, if you want $500,000 liability coverage or a $100 deductible for collision coverage, your premium will be higher than if you choose $30,000 liability coverage or a $500 deductible. Higher liability limits or less out of pocket expense in the event of a collision claim means a larger out of pocket expense when it comes to the cost of your coverage. It does not affect the outcome of a claim. Read on . . .

What factors attribute to the claim amount?



If you are talking about liability claims (your negligence behind the wheel damages the other party or their property), the severity of the damages is the primary determiner. Medical expenses for injured persons (or, worse, burial expenses), lost wages, totaling a person's Mercedes-Benz, knocking down a tri-color signal pole. Those are all potentially very large claims -- running into the hundreds of thousands of dollars perhaps (possibly more).

If you are talking about collision claims (damage to your property), your claim is settled on the basis of "Actual Cash Value" which means replacement cost minus depreciation. If your vehicle is relatively new, its ACV will be fairly high, but not as much as you paid for the vehicle, and if your vehicle is more than 8-10 years old, it will be (or close to being) fully depreciated, with only its salvage value remaining.

Again, settlement of a claim doesn't have anything to do with the premium you pay, but your premium is directly affected by the maximum value of the benefit you are obtaining. The insurance company provides the same level of service to the person who has minimum liability limits as it does to the person who carries a $500,000 liability policy with a $2,000,000 umbrella rider.

At some point in time, it becomes far less important to carry collision and comprehensive (other than collision) coverages, because the premiums are too high for the protection afforded. And although every situation is different, in my opinion, you can't have too much liability coverage, and almost everyone should carry at least $100,000/$300,000 liability limits and $25,000 or more in property damage coverages. The difference in cost from minimums to these amounts is, at most, a few hundred dollars more per year per vehicle.

Posted: 18 Jul 2011 03:04 Post Subject: Claim prediction model

Does insurance company has a claim prediction model to predict the claims to be paid? How does it work?

Posted: 18 Jul 2011 09:21 Post Subject:

Every insurance company uses actuaries to compile statistics and develop rates for their insurance products. They base their predictions on those statistics and other data.

Posted: 24 Jul 2011 05:52 Post Subject: auto insurance differences

Can women get cheaper auto insurance rate compared to men?

Posted: 24 Jul 2011 02:08 Post Subject:

From age 16-25, auto insurance rates for women may be slightly lower than for men. But by age 26, all bets are off.

Posted: 23 Aug 2011 03:23 Post Subject: 2003 Lincoln Totaled

Hi, I have an '03 Lincoln Town Car that was just totaled. State Farm is in the process of getting me a value and I was wondering what you think the car is worth. it is a Signature series with 288,000 miles in average condition. minor surface rust etc. I was hit broadside and am getting the idea i am about to get creamed again by the insurance. Thanks, Chris

Posted: 24 Aug 2011 05:22 Post Subject:

with 288,000 miles in average condition



Are you serious? With that kind of mileage, the vehicle is next to worthless. Average trade-in price according to NADA is about $2720.

http://www.nadaguides.com/Cars/2003/Lincoln/Town-Car-V8/Sedan-4D-Signature/Standard-Equipment

Posted: 08 Sep 2011 04:00 Post Subject: I lost my insurance. How to get a new one?

I have Honda Activa in the name of my wife. she died recently. Now i dont know where are insurance papers? Please guide me, what to do ?

Posted: 09 Sep 2011 08:02 Post Subject:

Do you know the insurer’s name???

If you do, then simply call them and tell them about your loss of documents.

If you don’t know even the company name, then you can try to locate where the premiums of the policy were going by checking the bank statements for the current and past year.

Once you know the insurance company name and contact it, I’m sure they’ll help you out.

Posted: 09 Sep 2011 08:37 Post Subject:

Contact the agent of your other policies, like home or health insurance. The auto insurance could've been with the same insurer.

Posted: 13 Oct 2011 05:33 Post Subject: Mexico insurance

Hey,

Can you please suggest me few Mexico insurance companies. I want to travel through Texas and looking forward for a good company keeping in mind the affordability prospect.

Regards
Chris Lee

Posted: 17 Oct 2011 12:35 Post Subject:

Mexican auto insurance will not cover you while driving in Texas, and driving in Mexico without a Mexican insurance company-issued policy is both a criminal and civil offense. You can be thrown in jail and your vehicle impounded if involved in a collision or stopped for a minor traffic offense.

Posted: 18 Oct 2011 07:57 Post Subject: hi :)

To ensure you get the best car insurance for your needs, shop around or try request for quotes. They will narrow down the choices offered by the marketplace. :wink:

Posted: 02 Nov 2011 07:58 Post Subject: A settled Auto case & rehab treatment

Due to an auto accident I suffered significant inuries & was eventually put on potent pain meds. My auto carrier pays for my pain mgnt.medications & mt Dr's visits. I am looking to go to a de-tox facility to get off of these medications (which my Dr. suggested I try) I have 2 questions: 1). Is my auto carrier bound by HIPAA to protect my info.?? Or would I need to take out a personal oan to protect my privacy?? Pls. Help!!

Posted: 16 Nov 2011 06:36 Post Subject: insurance for car aem 9703

to know the insurance from where

Posted: 23 Nov 2011 10:37 Post Subject: All state payout on a total loss

I have a 2003 ford expedition that was hit while it was parked all state sent an appraiser that stated my car was a total lost.i can't seem to get any information on the process our what I should do next all state can't even tell me who my adjuster is one day is this person and another day its someone else...my car has 150,000 miles in good condition and just brought a new engine that has 60,000 miles on b it.. What should I do and what should I expect

Posted: 23 Nov 2011 10:41 Post Subject:

What should I do and what should I expect

First, see my sig.

Welcome to insurance companies that hire people to one thing.... and nothing else. One adjuster to handle 1 car accidents, another adjuster to handle multiple car accidents, another adjuster to handle just injury claims, another adjuster to handle just total losses, another adjuster... well, you get the idea. Given them a couple of days to have it reassigned then all that person and leave a message. When they don't call you back, call their supervisor after giving them 24 hours.

Posted: 03 Dec 2011 03:25 Post Subject: vehicle valuation

What is your phone number I want to call a vehicle in for valuation for Selective Ins. my phone number is 715-[deleted by Moderator MaxHerr -- it is not a safe practice to post personal information such as phone numbers here in public]

Posted: 11 Dec 2011 10:10 Post Subject: USA resident

Is there any way I can get car insurance for my daughter who is resident in the USA for the 2 weeks Christmas holiday period? My own insurers will not add her to my policy.

Posted: 22 Dec 2011 06:15 Post Subject: llinois vehicle insurance laws

Someone believes that in the State of Illinois if you get into a vehicle accident without any insurance that it is now a Felony charge. Is this true?

Posted: 27 Mar 2014 04:06 Post Subject: employment

I am already have license I need a company to sell for and how do I get started

Posted: 28 Apr 2014 05:39 Post Subject:

car totaled, not my fault, have to pay a deposit to get new car, can I ask at fault drivers insurance company to cover this?

Posted: 28 Apr 2014 06:14 Post Subject:

No. They only owe you for the damaged vehicle. If you want, use that money for the deposit.

Posted: 25 Jun 2014 06:14 Post Subject: bank said they own my car and is giving it to insurance co t

Insurance co totalled my car from hail damage.they are giving bank 6000 $ for it but bank wants me to cont to pay remai.ing 6000 $.on it.even though it was the bank not me that accepted the claim.

Posted: 25 Jun 2014 06:16 Post Subject: bank said they own my car and is giving it to insurance co t

Insurance co totalled my car from hail damage.they are giving bank 6000 $ for it but bank wants me to cont to pay remai.ing 6000 $.on it.even though it was the bank not me that accepted the claim.

Posted: 29 Nov 2014 08:48 Post Subject: How to sue insurance bad faith pa

first I was in an accident in june 2013 have full torch was never explained the under insurance was basiclally sent papers to decline it I filled out papers wrong showing lawyer on monhday because even with full tork I was told I can only get 25000 cause that's all they had I had to get arm surgery and my 7 year old daughter was in behicle?

and Geico what a nightmare on march6th this year my na burnt down geico totaled iit, made me give t months of my pphone record adjuster never looked at my car didn't hive me my rental car which I had full coverage well when geico called my lean holder gave check santmder a the check for 12500 without even telling me so I had to fight forever to get any money bacjk and then pt it in my record oa charged off paid off an I owe them 2500 when I hat a paper from them paid off ..... Some one please et me know mmy rights.

Posted: 29 Nov 2014 05:44 Post Subject:

and the post above is why you should stay in school, kids.

Posted: 04 Dec 2014 11:43 Post Subject: Cashed check

Hi all,

So I would like some opinions on this:

Our auto insurance company sent us a check for approx $3000 which my wife promptly cashed (total repairs ended up being approx $6000). After we got our car repaired the auto body shop gave us our car back after we payed our deductible. The insurance company payed the auto body shop for repairs minus the amount they sent us ($3000). Of course the auto body shop is now looking at us to receive the full payment.

The twist here is I'm filing for bankruptcy and don't have the money to pay them. What is the auto body's course of action here? Is it to sue me for the difference? Do they have a case? Or can I write this off in my bankruptcy?

Thanks for any answers.

Posted: 04 Dec 2014 01:28 Post Subject:

The twist here is I'm filing for bankruptcy and don't have the money to pay them. What is the auto body's course of action here? Is it to sue me for the difference? Do they have a case? Or can I write this off in my bankruptcy?



Wow... so you screwed over the body shop. Nice.

Less the bankruptcy, yes the body shop could pursue you for the $3000 after all, you agreed to pay them and you did not.

As far as how the bankruptcy is involved, as I understand it you need to inform the courts of _all_ debts. This is certainly a debt. The court will determine how this is handled. Do you really think a person simply gets to walk away from all debt when they declare bankruptcy?

Why on earth the body shop would have released your vehicle without full payment is beyond me. Either they made a _huge_ mistake or (I'm guessing since you did not have any problem screwing them over) they they might have been mislead in some way. They _should_ have kept your vehicle and then sold it to make up that $3,000.

Posted: 20 Mar 2015 09:50 Post Subject: 3 months later, and nothing is done.

I am at a loss. My cas was involved in a three car read end accident. I was the first car, a rental car was the middle car, and a state farm insurer was the car that casued all the problems.

One month into the accident, the claims person from state farm said they havent been able to contact their insurer. Where does that leave me? No car for a month. Second month.. Same thing. Now state far is saying cant reach Avis rent a car.

Seems insurer only had 25000 in coverage, and that the rental (new mustang) may have taken the whole 25000, leacing my 4000 car with nothing. Does this sound right!

I am really at a loss and dont know what to do!

Any suggestions?

Posted: 02 Aug 2015 11:57 Post Subject: Totaled auto involved in accident

In 2013 our area received a massive hailstorm damaging everything for miles around. My 2005 CTS was declared totaled, yet I retain the automobile in the settlement. Presently, the automobile was involved in an accident and the other driver ran a red light. He was at fault and received the ticket for running the light. He has insurance, and I have insurance also. My question is since my car was deemed totaled previously before this accident and now it is totally demolished do I receive any compensation for my vehicle?

Posted: 03 Aug 2015 12:02 Post Subject: Totaled auto involved in accident

In 2013 our area received a massive hailstorm damaging everything for miles around. My 2005 CTS was declared totaled, yet I retain the automobile in the settlement. Presently, the automobile was involved in an accident and the other driver ran a red light. He was at fault and received the ticket for running the light. He has insurance, and I have insurance also. My question is since my car was deemed totaled previously before this accident and now it is totally demolished do I receive any compensation for my vehicle?

Posted: 03 Aug 2015 01:46 Post Subject: Totaled auto involved in accident

In 2013 our area received a massive hailstorm damaging everything for miles around. My 2005 CTS was declared totaled, yet I retain the automobile in the settlement. Presently, the automobile was involved in an accident and the other driver ran a red light. He was at fault and received the ticket for running the light. He has insurance, and I have insurance also. My question is since my car was deemed totaled previously before this accident and now it is totally demolished do I receive any compensation for my vehicle?

Posted: 05 Sep 2015 07:37 Post Subject: auto insurance coverage answers needed ASAP!! IMPORTANT! &am

well I was on my way home && I had just crossed a four way, got going up back to speed, bout 40-50 immediately and a car had pulled in front of me coming out the gas station to hurry and go around me but I noticed and slammed on my brakes but they gave out and I was still heading straight for them so I turned the wheel trying to miss the car and go up in the drive way that was beside the car so I wouldn't injure anyone else ( I thought id rather hit an object than people or kids could have been in the car and who knows what could have happened ) well my foot still remained pressed all the way down on the brake but the car just wouldn't come to a complete stop so I ended up going front end first into a tree or tree's and it smashed the whole front end.. not entirely but a really good portion but most of the engine still looked good and didn't come in contact.. what do you think the insurance would charge or do to me in this situation if I had full coverage and have had a recent accident in the past year or so on months?? (also im not sure if I do but what if I have collision coverage, what does that change? ) Also my car is a 2011 hyndauii sanata which im still paying a car note for and also how would this affect my policy??

Posted: 02 Dec 2015 10:55 Post Subject: insurance

You would think that an Insurance Co would eventually 'catch on' to what is being done

Posted: 13 Mar 2016 09:46 Post Subject: Policy Lapse

I was in a car accident., which was caused by another driver and as a result there were 3 car collision. I was not charged. However, when I reported my claim to State Farm I was told that my insurance lapsed. I was unaware of this. My preminuim is due on the 20th monthly. I was informed that my preminuim was die on the 20th. What should I do. I am now stuck with a damaged car and medical bills frim the accident.

Posted: 16 Mar 2018 10:20 Post Subject: Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability, and medical coverage:

Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

Posted: 11 Aug 2018 07:18 Post Subject: Static Vs Touring Insurance?

Hi Everyone!

This is my first post at this forum. Actually, my family is an adventure lover especially my teenager kids who love travel. That's why I purchased a caravan, but I am still confused between static caravan insurance that covers only fixed places and touring caravan insurance that provides Europe cover.

I also want insurance at a reasonable price, and static caravan insurance quotes ( https://www.comparestaticcaravaninsurance.co.uk/faqs/ ) are reliable as compared to touring one. My vote is with static caravan insurance, but my family is still with touring caravan insurance.

What's your suggestion?

Posted: 29 Nov 2018 03:38 Post Subject:

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Posted: 16 Jan 2019 03:38 Post Subject:

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Posted: 17 Jan 2019 03:06 Post Subject:

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Are you spending more hours in the car for work? If so, then you are at high risk of road accidents and vehicle damage. So, to save your car from damage cost, buy a business car insurance policy from The Very Cheap Car Insurance[/url]. With us, you can compare the quotes of different business car insurance policies and can select the best plan according to your requirements.

Posted: 22 Mar 2019 12:10 Post Subject:

No idea about premium related to this insurance!!!

Posted: 14 Apr 2019 03:44 Post Subject: Is insurance good?

I will create to analyse companies of insurance how good it is

From https://fewtechniques1.blogspot.com

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