Automobile Insurance FAQs

Generally speaking, automobile insurance goes with the vehicle. For example, if you have an accident while driving someone else’s vehicle, the owner’s insurance would first, be applied toward damages to the vehicle. Your Auto insurance would also generally apply in the event that the owner of the vehicle had no Auto insurance or did not have enough auto insurance to pay for the damages. Personal Injury Protection, which varies from state-to-state, covers the individual under their individual policy. For example, if my friend is driving my vehicle and gets hurt in an accident, my automobile insurance will cover the damages caused to my vehicle, but their Auto insurance will cover injuries caused to their person.

First and most importantly, make sure that you and that everyone else is okay and get help for the injured. The next crucial step is to make sure to notify the police so that they can file a report. The police report is the most accurate and court relevant information available. Keep a notebook in your vehicle for taking down important information. Make sure to get names, addresses, phone numbers, driver’s license number, license plate number, car make and model numbers, witness phone numbers, etc. The more information that you can gather, the better. Also, if you or passengers are injured, make sure to save all medical bills and receipts.

One of the most common automobile insurance FAQs tends to be about car accidents. Being in an accident will not generally cause your policy to be canceled. Depending on the circumstances, it may result in a non-renewal of your policy. After the facts of the situation are reviewed, you may be required to pay a higher premium for your policy upon renewal.

Generally speaking, insurance goes with the vehicle. For example, if you have an accident while driving someone else’s car, the owner’s insurance would apply first toward damages. Your automobile insurance would generally apply in the event the owner of the vehicle had no automobile insurance or did not have enough Auto insurance to pay the damages. For specific information and guidance about your coverage, please contact me at any time.

Car rental companies charge daily fees for Collision Damage Waiver (CDW) coverage (which means their insurance will pay for all damages covered in your rental agreement). Rental car coverage under a private passenger policy varies state-by-state. In some states, your current Auto insurance coverage may already provide adequate coverage protection for you, even if you are renting a vehicle. So, you may want to contact your car insurance agent prior to renting a vehicle just to check into which coverage you currently have. Please feel free to contact me to review your current coverage or to talk about adding coverage to your current policy.

The word “a lot” is subjective but unfortunately your premiums more than likely will go up. Because insurance is based on risk factors, and traffic violations like speeding attribute to being “higher” risk, your premiums will more than likely increase. Additionally, your premium may go up depending on the severity of the accident.

Yes. Even though you are on a motorcycle, there can still be significant bodily injuries or damages caused by the accident.

Your Motorcycle policy may include coverage for your apparel, safety equipment, and add-on options. So yes they are included under your Motorcycle policy depending on which coverage option you select. Check with your agent to review your current policy coverage and to discuss which coverage options best meet your needs.

Generally speaking, modifications made to your recreational vehicles are not covered. It’s always best to contact your agent to learn which options are available and to what extent your recreational vehicles are covered. Contact me today to learn how I can provide coverage for your recreational vehicles or to help you review your current coverage.

Although there are a variety of options for covering your recreational vehicles, it is always best to contact your agent regarding which RV coverage options are the best for you. It is important, however, to consider liability coverage as costs involving liability can be quite extensive. Contact me today to learn more, to review your current policy, or to insure a recent purchase.

You will more than likely have to check your policy to make sure that it includes towing coverage. We have a program designed especially for towing your RV in the case that it breaks down. Please contact me today to learn more.

You should check with your agent to decide which protection best fits the insurance needs for your travel trailer, but you should know that liability follows the insurance/auto policy of the vehicle that is pulling the trailer. Please contact us today to learn more about specific insurance requirements, coverage options, and questions.