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Why am I at fault if I swerved to miss a car that ran me off the road?
In most single-vehicle accidents, the driver involved is normally considered at-fault because there simply isn't another person on which to place blame. The situation might have very well gone in your favor if the other driver had made contact with your vehicle, but it would be next to impossible t…
Does having car insurance build credit?
You are correct that, in the majority of states, credit has an impact on your overall rate. However, maintaining car insurance and paying your bill on time will not result in a significant impact on your credit score like making timely credit card payments. Your auto insurance policy is not directl…
Does car insurance cover a uhaul?
Renting a U-haul is much like renting a car. Consider the size of the vehicle you will be renting. Generally speaking, if the vehicle has a full 1-ton towing capacity (normally designated as an F-350 or 3500 on the vehicle) or smaller then your policy will extend to cover that vehicle just like ren…
Does car insurance cover rodent damage?
Sorry to hear about your misfortune! Luckily enough, you should be able to file this claim through your insurance company assuming that you have comprehensive coverage on your policy. Comprehensive covers most damage to your vehicle that wasn't the result of an accident. This would include things l…
Does car insurance cover trailers?
Great question! It would depend on the coverage on your policy, but the liability portion of your policy normally extends to cover injury or damage that was caused to someone else by your trailer. If your auto policy also includes comprehensive and collision (full) coverage then your trailer may al…
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of …
What is Underinsured Motorist Conversion coverage?
Underinsured Motorist coverage pays for injuries that you and your passengers may suffer in a crash where the other driver is at-fault and the other driver does not have enough liability coverage to pay for all the injuries caused in your vehicle. It's easiest to explain this as an example: You are…
Can I get car insurance without a home address?
Unfortunately it seems like you are in a tough spot until you have moved into your new place. Lots of information is used by insurance companies to determine the rate that they will charge to insure a driver and a major factor in rating that price is your home address. If you are only living in a l…
What should I do if I can't afford car insurance but need my car to get to work and make ends meet?
Consider the golden rule here. If you are involved in an accident and the other person is at fault, wouldn't you expect them to pay for your damages? Drivers expect the same of you if you are going to be sharing the road. No one plans on being in an accident so when it happens it is usually a surpr…
What's the difference between an insurance carrier and an insurance agency?
Great question! The word "carrier" in terms of insurance is just a synonym for company. An insurance carrier is the insurance company that covers your vehicle and is listed on your policy (e.g. Allstate, State Farm, etc.). An insurance "agency" is a business that sells insurance coverage through on…
