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Car Insurance Costs General Insurance

Will an unreported car accident affect my premium?

If you were never cited for the accident and never filed a claim, there should be no insurance record of your accident. Insurance companies generally run two reports when you sign up for new insurance — your motor vehicle report (MVR) and another for claims history (CLUE). If they're clean, they should show no record of the accident and your rate should be unaffected.
Jun 1, 2020 Houston, TX

Car Insurance Costs Eligibility

How can I stay insurable with three accidents?

Sorry to hear about your situation. It's not easy to find competitive rates with that many at-fault accidents.
Mar 4, 2020 Los Angeles, CA

Car Insurance Costs

Why are my parents' driving records affecting my premium?

You should be able to get your own plan. Because you are in New Jersey, all people in the same household must be on the policy unless you can show proof the other people you live with are insured elsewhere.
Feb 9, 2020 Palisades Park, NJ

Car Insurance Costs

My daughter totaled her car while she was covered under my insurance. How does this affect my rate?

If your daughter was the listed driver and the accident was logged correctly, most companies won't charge that against you. If you are looking to switch insurers and her accident comes up on your claims history, I would obtain proof or confirmation from that company that the claim wasn't yours so it can be cleared.
Feb 6, 2020 Yutan, NE

Car Insurance Costs General Insurance

As a co-borrower on a car loan, what happens if the insurance payments aren't made?

The policy would cancel if she doesn't pay the premiums. Legally speaking, this wouldn't have an effect on you if you're a non-driver.
Feb 3, 2020 Culver City, CA

Car Insurance Costs General Insurance

My insurance company sent me a non-renewal notice. Will this affect my premiums going forward?

If they are non-renewing for an unsigned app, you should be able to contact them and get that resolved. If you don't want to stay with them, I would still finish the term and move on to a different insurer.
Feb 2, 2020 Jacksonville, FL

Car Insurance Costs

Can it be cheaper to have two cars on an auto policy instead of just one?

Thank you for your question. This actually happens quite often.
Feb 2, 2020 Sophia, NC

Car Insurance Costs Coverage & Claims

How can an insurance company add an accident to your record that never happened?

I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle.
Jan 30, 2020 Medford, NY

Car Insurance Costs

How does the price of a non-owners policy compare to liability insurance?

A non-owners policy gives provides liability coverage so that they can drive a non-owned vehicle. As such, it will be much cheaper because there is no specific vehicle to insure.
Jan 28, 2020 Ernul, NC

Car Insurance Costs General Insurance

If I've been paying for an SR-22 that I didn't actually need, will the car insurance company pay me back?

Sorry to hear about your situation. Chances are, you can get reimbursed if the SR-22 is deemed to have been unnecessary.
Jan 27, 2020 Madison, WI
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