Archive for December, 2009

If someone else is driving my car and totals it does my insurance go up?

Yes, it is possible that your rates would go up if you let someone else borrow your car and they are in an accident, especially one where they are at fault for totaling out your vehicle. Though the accident would go on the driver’s motor vehicle record (MVR) any claims resu…

If someone else is driving my car and totals it does my insurance go up?

Yes, it is possible that your rates would go up if you let someone else borrow your car and they are in an accident, especially one where they are at fault for totaling out your vehicle. Though the accident would go on the driver’s motor vehicle record (MVR) any claims resu…

If I have no car but want car insurance so that when I do get one I am not penalized for not having any what can I do?

You can get a non-owners policy if you do not own a car or otherwise have a car that you use and could be placed on the car insurance policy of. A non-owner’s policy (also known as an operator policy) is usually written by an insurance company when a person needs coverage for hi…

If I have no car but want car insurance so that when I do get one I am not penalized for not having any what can I do?

You can get a non-owners policy if you do not own a car or otherwise have a car that you use and could be placed on the car insurance policy of. A non-owner’s policy (also known as an operator policy) is usually written by an insurance company when a person needs coverage for hi…

We live in New York and had a one car accident with our 2008 Camry. When estimating the damage to our car, the insurance adjuster is using the cost of several aftermarket and salvage parts. What are our rights in regards to using OEM parts to make the repairs on our car?

In New York your rights regarding the use of original equipment manufacturer (OEM) parts is talked about in what is referred to as Regulation 64 of the NYS Insurance Laws. As this NYS law shows an insurance company, in its estimate can require the use of non-original equipment…

We live in New York and had a one car accident with our 2008 Camry. When estimating the damage to our car, the insurance adjuster is using the cost of several aftermarket and salvage parts. What are our rights in regards to using OEM parts to make the repairs on our car?

In New York your rights regarding the use of original equipment manufacturer (OEM) parts is talked about in what is referred to as Regulation 64 of the NYS Insurance Laws. As this NYS law shows an insurance company, in its estimate can require the use of non-original equipment…

Does Bodily Injury Liability pay to the person or the hospital?

It will depend upon state laws and if state laws do not have a specific stance than the insurance company’s own guidelines how the check is made out, to the person alone or to the person and the hospital that has outstanding medicals that need to be paid.  A check is issued out…

Does Bodily Injury Liability pay to the person or the hospital?

It will depend upon state laws and if state laws do not have a specific stance than the insurance company’s own guidelines how the check is made out, to the person alone or to the person and the hospital that has outstanding medicals that need to be paid.  A check is issued out…

My husband and I are comparing auto insurance policies in the hopes of combining the policies. My liability is 250/500/250 his is 250/500/100. His insurance agent told him 250K of Property Damage for Liability was illegal in the state of Washington. Could you please comment?

According to the Washington State Office of the Insurance Commissioner , the insurance regulator for your state, there is no maximum Liability limit in WA. They said there is no Washington State law that sets maximum limits for Property Damage Liability or Bodily Injury Liabi…

My husband and I are comparing auto insurance policies in the hopes of combining the policies. My liability is 250/500/250 his is 250/500/100. His insurance agent told him 250K of Property Damage for Liability was illegal in the state of Washington. Could you please comment?

According to the Washington State Office of the Insurance Commissioner , the insurance regulator for your state, there is no maximum Liability limit in WA. They said there is no Washington State law that sets maximum limits for Property Damage Liability or Bodily Injury Liabi…