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Auto Insurance FAQs

What should I do if I'm involved in an accident?

The first priority is the condition of those involved. Call for medical help if anyone at the scene is injured. Notify the police as soon as possible. Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses, and the license plate numbers of all other cars involved.

It's best not to admit an accident was your fault, even if you think it was. A simple apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash, so state only what you know about what happened. Contact your insurance company as soon as possible, even if damages were minor.

What does it mean when a car is "totaled"?

After an accident or theft recovery, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value. At this point, the insurance company will likely send you a check for your car's value. It gets to keep your car unless you make arrangements to buy it back "as is".

What should I do if another driver hits my car?

If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn't have insurance, your uninsured motorist coverage will take effect.

How do I handle a claim if I cause an accident?

If you own your vehicle and have collision insurance, you will file a first-party claim with your insurance company. It may issue a check either to you, the shop that repairs your vehicle, or to both of you. If you have a lease or a loan, the lending institution may be named on the check. Of course, you will also have to pay your deductible. If other vehicles were involved, the insurance company will settle with the other drivers and you probably won't be involved.

What happens if my car is stolen?

If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.

If your policy has a provision for replacement transportation, you may be required to pay for a rental car out of your own pocket and then submit a claim to the insurance company for reimbursement.

What effect does my driving record have on my auto insurance?

A good driving record is critical to your ability to obtain auto insurance. If your past is free of tickets, accidents, and drunk driving arrests, chances are excellent that you will pay much less than the person who has a history of these infractions.

Does the kind of car I drive matter to an insurance company?

Yes! In addition to your age and driving record, the type and value of the car you drive is one of the most important factors in the amount of your premium. Sports cars, for example, can cost significantly more to insure because they may be a favorite among thieves, because statistically people tend to drive them faster, and because they may have a higher replacement cost than a sedan or a van.

Why would I want to buy more insurance than state law requires?

If you are found to be liable for an amount greater than the coverage limits of your policy, you must pay the difference. If you don't have enough cash, the injured party can go after your home, financial assets, and even future earnings. It's wise to consider increasing your liability limits when you own a house or other valuable assets.

Why does a high deductible cause my premium to go down?

Generally, the more risk you assume, the less risk you assign to the insurance company, which charges according to how much risk it is insuring against. A deductible is the initial dollar amount of a loss that you must assume before the insurance company will pay your claim. Auto insurance deductibles typically range from $250 to $1,000.

Why does my insurance company want to know my age?

Statistically, the risk of an automobile accident fluctuates with age. Teenagers are among the most expensive drivers to insure because their inexperience makes them more likely to be in an accident than drivers over age 25.

Just as a teenager will have to pay more for being young and inexperienced, drivers can expect to pay less as they reach the age range where they are statistically the safest on the road, roughly from ages 40 to 55. In some cases, rates may go up as a driver becomes elderly.

I am retired, but I work part-time as a handyman. Do I need special insurance coverage for my truck, which I use when I'm hired to make repairs?

Generally, a personal auto policy may be all you need unless you are driving other people around frequently. In some cases, an independent contractor such as a carpenter or landscaper may need a commercial policy -- if the vehicle is used more than 50 percent of the time for business purposes. And personal auto policies must have increased limits to cover any equipment that is permanently attached to the vehicle, such as an expensive generator.

I have towing and labor coverage on my auto policy. Does it only come into effect after an accident?

Towing and labor coverage provides emergency road service and pays for towing charges. This coverage is not limited just to accidents, but can be used any time your car breaks down. Labor such as a tire change or battery jump-start performed at the site of a disabled vehicle will be covered, but not the later repair work performed in a service station.

What is the difference between the cancellation and non-renewal of an auto policy?

A non-renewal means only that your company does not want to offer you a policy any longer -- possibly because of your driving or claims record over the last three to five years. More than likely, you will find other insurers that are willing to provide insurance at a higher price.

Auto insurers may cancel your policy at any time if you fail to pay your premium, lose your driving privileges, or have not accurately reported the facts relating to your level of risk. A cancellation will make it hard to get insurance for a long time to come.

My state requires minimum insurance coverage of 15/30/10. What does that mean?

Minimum liability limits of 15/30/5 refers to $15,000 bodily injury liability per person, $30,000 per accident, and $5,000 for property damage. Insurance requirements vary from state to state.

I plan on driving through several states during my next vacation. I carry the minimum coverage allowed by my state, but will my insurance cover me if I have an accident in another state while I am away?

Clearly, the laws concerning insurance coverage can vary greatly from state to state. It might be comforting to know that if you have the minimum auto liability coverage for your home state, but are involved in an accident in another state, your policy will generally adjust to meet that state's minimum legal requirements.

Can a driver be found partially to blame for an automobile accident?

In some states, comparative negligence laws make it possible for more than one driver to share responsibility. If a red car is driving too fast and rear-ends a blue car, but the blue car did not have functioning taillights, then the red car may be found 70 percent responsible and the blue car 30 percent. A driver may only collect damages for the percentage of the accident that was not his or her fault, so the driver of the blue car could recover only 70 percent of the damages.

What exactly are the types of coverage included in a standard personal auto policy?

Bodily Injury Liability - Pays for medical expenses, legal expenses, and judgments against you when you or your car is involved in an accident that causes the injury or death of another person.

Property Damage Liability - Pays for damages to the property of others, caused by you or your vehicle.

Uninsured/Underinsured Motorist (UM/UIM) - Covers the costs associated with damage or injury caused by an uninsured, underinsured, or hit-and-run driver.

Medical Payments - Covers the medical bills of you and your passengers after an auto accident, regardless of who is at fault.

Collision - Covers the damage to your vehicle resulting from a collision, regardless of who is responsible. Collision coverage requires the payment of a deductible by the insured.

Comprehensive Physical Damage - Pays for damage to your car that is not the result of an auto accident, such as theft, vandalism, fire, hail, natural disasters, hitting a deer, etc. Comprehensive coverage also requires a deductible, and will only pay as much as the car was worth before sustaining the damage.

Rental and Towing Coverage, Its an optional coverage.

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