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AUTO INSURANCE INFORMATION

Q: If I don't have auto insurance, and am involved in an accident that is completely not my fault, will the party at fault's insurance pay for the repairs to my car?
A: Yes, assuming that unlike you, the "Party At fault" is equipped with at least basic liability coverage, his insurance pays for the damage caused by their customers. However, if the blame for the accident is divided, for example 50-50, then the other driver's insurance covers its share of the damage, but only for your share, if the other driver is also the implementation of uninsured motorists insurance. However, uninsured motorists insurance is not mandatory in every state, and you should not listen to him. Regardless of the insurance situation of the other party, not an automatic insurance against the law so that it would be wise to buy it. Sanctions for non-compliance with the insurance laws by state, but often a substantial fine, license and / or registration suspension or revocation, as well as possible jail time in some states.

Where can I buy insurance?

You can buy insurance through your local insurance agent and through insurance companies that sell through their own employees, over the phone, by mail and over the Internet. Consult your state insurance department, the yellow pages of your phone book, and friends or relatives for the names of insurance companies doing business in your state.

In most states, there are dozens, sometimes hundreds of companies to choose from, depending on the type of insurance you're looking for. You can go to our Find an Insurance Company tool for help.

Buy your homeowners and auto coverage from the same insurer

Many insurers will give you a discount if you buy two or more types of insurance from them. Also you may get a reduction if you have more than one vehicle insured by the same company. Some insurers reduce premiums for long-term customers. But look around, you can save money by buying different insurance companies despite the multi-policy discount. Take advantage of low-mileage discounts

Some companies offer discounts for motorists drive, a lower than average number of kilometres per year. Low mileage discounts can also apply to drivers who rides to work. Learn about insurance group

Some companies offer discounts for drivers to get insurance through a group plan from their employers or through professional, business and alumni associations and other associations. Ask your employer or any groups or associations to which you belong.
Maintain good credit
Your credit rating may affect what you pay for insurance, so keep a close eye on. Credit makes insurance rates more accurately, fairly and objectively. While the use of insurance scoring varies from state to state and company to company, it is a fact that drivers with long, stable credit records have fewer accidents than drivers, is not the case. There are several Internet services that let you check your credit rating and provide tips for improving your guests.
Seek out safe driver discounts
Companies offer discounts for policyholders, have no accidents or moving violations for a number of years. You can also qualify for a reduction if you have just Fahrstil.nsive a defensive driving course.

Will my insurance cover a rental car after an accident?

Many motorists do not think about their insurance coverage until after they have an accident and call their insurance company to be entitled to help pay for car repairs, car rental and other expenses.

Unfortunately, many insured drivers are surprised to learn that their car insurance does not automatically cover the cost of a replacement rental car after an accident. Since the average car in the garage for two weeks after an accident, it can cost as much as $ 500 to rent a replacement car. But some insured drivers pay little or nothing to rent a car because a cost-effective, but often overlooked option known as rental reimbursement.

Rental reimbursement coverage is available for only $ 1 or $ 2 per month with almost any car insurance, but is often circumvented by those who believe that they do not have a car accident or just shopping for the lowest cost eligible. The cost of a replacement rental car adds up quickly, so that even if you do not have an accident for eight or nine years, the report pays for itself when you need it most.

Sometimes, the details of a claim by car insurance company may take some time. Even if the accident is the other driver's fault, you may have to wait several days or longer to the other insurance company to agree that the price for a rental car. With your own coverage, there is no waiting times.

Seek out safe driver discounts
Companies offer discounts for policyholders, have no accidents or moving violations for a number of years. You can also qualify for a reduction, if you have just completed a defensive driving course Fahrstil.nsive.