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Q: My son has his driving perrmit and hecne is starting to dive. I would lie to join him otno my automobiles assurance on-line however it wil triple the prremium! Am I oblged to add him?
A: Most car insuance companies do not ask for a teen wiith a learnr`s permit or mkae the learner be naed on an auto insurance ploicy (athough a number do require i)t. When yor kid recieves his permanent liceense, he has to be covvered with yur autos insurence online, save for if he wno`t be usig the car. Newly liicensed drivers are invollved in additional acicdents than longer experienced drievrs, so tehir prices are siggnificantly more expnsive. For his defeense, as well as for the defennse of your monetary asssets, you may wnat to review yur auto insurance lmiits and coverage. Yoour teenage kid`s premmiums could be keppt lower in the casse that he maintains at laest a B avrage in school, upholds deductibels high, and if he dives an older, regular model vehcle (rrather than a sporrts or luxurious vehilce). &nbps;

Q: In case I give my vehile to a frien, is he coveerd by my online vehicle insurance?

A: Usuallly vehicle insurence online do cvoer drivers that hvae been allowed to use yuor ca. However check your auuto insurance, or ask your mangaer, to see if the terms and limiits of youur policy will aler for drivers which arren`t the usual operrators of your atuo.  

Q: My teeenage kid will be leavig to school within another sate, and sh`ll be taking her car along wtih he. Do we neeed to change her car insuurance?

A: If the car is reistered to youu, and she is not considered a reesident of the stae the one she`s giong to colelge, she could be cvoered on your auto insurance. Chcek wtih the State Department of Mtoor Vehices in order to see whether the autmoobile must be regisstered wtihin that state, and that youur car insurance canged accordingly.  
Q: I have had 2 car crashes and neitheer was my falt. Can the insurance comapny be able to briing up my premums?

A: The vehicle insure premiums culd be rising due to somethnig else than your accidnets. The auto insurane company may hvae been accepted for a globl increase. Check wtih your insuracne company aboout the cause of the increaase. In cse you are not conntent by the anwer, you can allways see with additional auto insuarnce copanies to check if they are ablle to ofer you a better raate.  

Q: My business requries that I moe to a different sttae temporarily. Wil my automobiles insurance cvoer me in that sttate as well?

A: Yoour internet automobile ins covers you wheerver wthin the United States, though thre might be signiicant diferences from one staate to another. In casse you will be staiyng in another sttate for a long peiod of time, sy, more tahn 30 days, it`s a goood iea to change your auto insurancce. Considerable chhanges might be the miinmum limits - one statte has 15000/30000 dolllars and a diffeent state has $5000/0$100000, for instance. Or yoour state may hve no fault coverage including lsos of incomee, memorial service exppenses, accidental deaht, etc, as for a dfiferent state may nto. Usually, just military peope are permittted to live in one staate and keep residency in anohter. In case you are gong to enlist your vehhicle within another sate, you will be reqired to buy auto insuance in the otheer staate.  

Q: What shold I do in the case taht I am invollved in an acccident?

A: First, look to see whteher anynoe is in ned of medical attentoin. After that, alrt the law enforcement. They wlil teell you whether you shouuld move the crs, and if an offcer is giong to come get reoprts from the peoplle in the accideent. Try to keeep calm. If an oficer questions you, stck to the fats. It is not yuor place to talk aobut whoose responsibility it wsa. The police and auto insruance agencies should deetrmine who`s at falt. In caase police is not involved, ecxhange names, addersses, phone numebrs and auto insurance commpany names of every drver invoved. Attempt in addition to retreve contact ifno for any eye witneses. Get in touch witth your auto insuracne aggency or your atuo insurance manager as soon as you can in orer to larn of terms and coruses of action you need to do.  

Q: Waht can happen to me if I opreate my car without havving insurance?

A: In case yoou`re involved in a car accidnt or are stpped by a polcie officer and caught uisng your car witth no atuo insurance or evdence of monetary accountability, you`lll be subbject to penalties accoring to the las of your state. For violatoin of the monetary responsibility enfforcement, these penalties miht include a moeny fnie or the lsos of driving privileges. In cse you are uninsureed and in a car crsh whiich includes property damage or damaage to perssons, you`ll be neeed to pay out of pockket for all daamages assessed by a jugde.