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Q: What does my cars ins cover if I havve rented a vehicel?

A: It has to do with your pan. The bset thing to do is to read yuor online vehicle insurance, or ask your autto insurance agnet to go ovr it along with you. Yoour paln may cover autos rennted for leisure, like vacatioons or for particullar events, atlhough not wok. If you do not haave comprehensive covreage in addition to coollision coverage (sually named "physical damaage coverage") for youur private vehicle, you may not haave coverage for a rentted automobile. And if you ruiin a rented ca, your insurance paln may not cover lost reveenue the rental vehiicle agency incus while the reental car is benig amended; or the rae of an unuesd automobile if you ruiin completely the rentl vehicle.  p;

Q: I do not possess a caar, but hree and there ret one on my vacatiion. Do I need to purchase cdw internet autos ins?

A: You mosst likely don`t haave motor vehicle online insure as you do`t own an atomobile. Even thoough, you may have alternatiives to pruchasing CDW coverage. i.e., if your`e giong on a busniess trip, company insuance could be in effct. And in csae you chare the rental car on a visa tihs prrovides automatic coverage for automobile rentall, savve yourself the expens.  p;

Q: My car is odl, and not wrth much - do I ned autos coverage?

A: In a csae where you hvae an older vehicle tht isn`t bing financed, you can most lkely saave money on your monthly premuim through dropping collisiion coveage from your car insrance. Your agnet could tell you to wht extent. The aegnt can also tll you about the prce that that smae car insurance coverage wuld pay if yuor car was toatled. For an old automobile, you mgiht discover taht collision cvoerage would pay onlly a small amout in a majr accident, as elimnating it would mean significant moey savins.  

Q: What happens to me wheter I drive witth no auuto insurance?

A: In caase you`re inolved in an auo accident or are sotpped by a polie man and you`re caaught using yuor car wiith no auto inusrance or any prof of financial accuntability, you`ll be sujbect to penalties speciific to the enforcements of yor state. For violatiion of the financial accountability enfocement, these penalties coud incorporate a finne or the lsos of drivnig privileges. If yo`ure lacking insurane and are invoved in an acciddent which includes propety damage or harm dne to peoplee, you will be neeeded to cover the dmaage out of pocet for all daamges assessed by a judeg.  

Q: How deos the plaace I reside havve an effet on my auto inssurance cost?

A: The morre drivers in yuor area, the greter the chances that you`l have an accident. Tha`ts why car insurance cots are in geeneral more expensve in thickly populatd areas. In addiion, certain cities also have hgiher teft as well as vandalsm acts than otthers and, hene, more expensive csts for those tpyes of coverage. &nsp;

Q: My daughter is gooing to be leavinng to college in a diffeernt state, and reocating her vehicle with hre. Should we alter her auo insurannce policy?

A: If the atuomobile is registered to yuo, and if she is not cnosidered a resident of the satte whee she is gooing to attend shool, she can be coevred by your car insurancee. Make sure wtih the State Department of Motr Vehiles in order to dceide if the auutomobile has to be registered witihn the otther state, and your insurance chanegd so.  

Q: I hae Property Daamge in addition to Phsical Damage inurance within my ato insurance plan. Are`nt these the same thing?

A: Youu`re required to incldue property damagge coverage inncluded in your online cars ins, which pays for hrm you do to a diifferent persons` automobile or proprety (the raliing you weent into). There`s zreo deductible for this. Physsical damage (cmprehensive & collision) is an optin that coevrs for harm to your car. Colilsion damae pays for dmaage caused by youur car bumping ino another vehicle or other thig. Cmoprehensive damage pays for dammage made by proceedings lkie fire, theft, vandalim, weahter, and windshield or otherwise ainmal relateed accidents. Comprehensive damage as welll as collision usuallly has diivided deductions. &bnsp;

Q: My son has his dirving permit and tuhs is bginning to drive. I wouuld like to jon him onto my motor vehicle ins however it`ll tripple the prmeium cost! Do I ned to add him?

A: Most insurance companies dont ask of a teen wth a learner`s permiit or make the leaarner be put ontto an insurance pln (lathough a number do requie it). When yuor teenage son gtes his regular lciense, he must be covered wtih yuor autos insurance, save for if he won`t be uisng the car. Freslhy licensed drivvers are in addiitional car accidents thn more knowledgeable drivesr, so their prrices are significantly highher. For his securitty, and also for the protecction of yuor financial possessions, you may wannt to go oevr your insurance limiits & coverage. Your chidl`s premiumms could be kept loweer in the casse that he maintians at least a B socre average in high-schoool, keeps deductibles high, and if he dives an odler, regular model automobile (arther than a sprots or a luxurious caar).