Car Insurance Costs

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.

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Eligibility

If I buy a car right before I move states, do I have to get an insurance policy in the state I bought it?

If you will be registering and living in South Dakota, then you will want to get an insurance policy for the address where you'll be living in that state. Insurance needs to be in the state that the vehicle is registered in.

Coverage & Claims

Can I file an additional loss of use claim even after the at fault party's insurance has paid for the repairs of the vehicle?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had. For future reference, I recommend using the initial claims payout for what it was meant for — your car's repairs, first and foremost.

Coverage & Claims

I'm on a shared policy, is it possible that the claims made somehow only show up to my name?

Claims departments should be marking the correct driver for a claim but other drivers pop up on reports from time to time. This comes from the way the insurance company generating the quote is reading reports.

General Insurance

Would I avoid the penalties of a ticket for failing to provide proof of insurance if I got insurance before my court date?

Unfortunately, you likely won't be able to avoid any penalty for not having insurance. I would still recommend going to court with insurance — your judgment might be less severe if you resolve your uninsured status versus still being uninsured by the time your court date comes around.

Coverage & Claims

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.

General Insurance

Is it possible to purchase insurance on a car not owned by me?

Yes, you can get insurance for a vehicle not owned by you — the best option would be to have your friend add your name to the registration before getting insurance or get your own policy but have your friend listed there as insurable interest. You can also get non-owners insurance, but you should only opt for this if you don't plan on driving the car regularly as it only provides liability coverage, so you won't get full coverage with collision and comprehensive.

Coverage & Claims

Do I have to pay a deductible if I caused an accident?

If you do not file a claim to have your car repaired you do not have to pay your deductible. Your liability insurance will pay for the damages to the other vehicle.

Car Insurance Costs

What is the average cost for an 18 year old female with a sports car in Arizona?

There's a couple of things to consider regarding the average cost of car insurance for you. First, your age will definitely impact your premium.

General Insurance

Where do my granddaughters need to register their vehicles for college?

Your granddaughters will need to get insurance in the state that the vehicle kept 50% or more of the time. The car also needs to be insured in the state that the vehicle is registered in.

General Insurance

Best insurance when I only drive to work

Because you're considered a low mileage driver and you live in Arizona, I would recommend getting a quote with Metromile. Metromile is a pay-as-you-go car insurance company which caters to low-mileage drivers.
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