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Monthly Archives: December 2010
I am uninsured and hit a rental car. Who is responsible for the rental car damages?
It does not matter that a rental car was involved in the accident. It all depends on who was at fault. If you were at fault, you would be responsible for the damages. If the rental car driver was at … Read More
What does it exactly mean that I am 60% at fault for a car accident?
It means that you are judged to be the at fault driver. Depending on the state, the insurance may pro-rate a percentage pay out with the other insurance company. Or, you will not be reimbursed at all for your vehicle. … Read More
I was pulled over for no insurance because I missed a payment I was unaware of.
If an insurance company cancels you for non-payment, they are obligated to send you a notice of cancellation. This usually comes about 10 to 15 days prior to the cancellation date. Contact your agent to find out what your insurance … Read More
Is it worth it to fight tickets in court?
It may well be worth it. If you go to court, you never know what will happen. The police officer may not show up and your ticket may be dismissed. There may be an opportunity to go to a safe … Read More
My insurance company just increased my car insurance rates because I am over 75-years old. Why?
It’s the same reason why car insurance rates are higher for individuals under the age of 25. The over 75-year old age group is involved in more accidents according to the statistical algorithms insurance companies use to calculate rates. The … Read More
How do I go about setting my deductible?
If you elect to purchase collision or comprehensive coverage, you will have protection against either a collision or anything other than a collision (OTC) happening to your car, no matter who causes it. Because of this, you will have to … Read More
If I only have liability insurance and cause an accident, will my insurance cover my passengers medical expenses?
Liability insurance (Bodily Injury and Property Damage) covers two aspects of an accident. All of the coverage is applied only to the other driver involved in the accident: · Damage caused to property including vehicles, trees, fences, homes, etc. · Bodily … Read More
Which states have the highest and lowest car accident fatality rates?
In 2009, the Insurance Institute for Highway Safety published results for all of the states with highest and lowest rates of fatal car crashes per 100,000 population. Below are the top three highest and lowest states: Highest · Wyoming: 115 fatalities, … Read More
How many pedestrians die in auto crashes each year?
According to the Insurance Institute for Highway Safety, in 2009, 4,029 pedestrians died as a result of a motor vehicle accident. This was about 12% of all of the fatal highway crashes that year.
I was in an auto accident and made a claim to the other driver’s insurance company for physical damage. They want me to sign a release for damages when they pay me. What is that?
When the claim is investigated and approved, you will be paid from the other driver’s liability coverage. Most states let the insurance company offer payment that is contingent on you signing a release from damages form. When you sign the … Read More
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