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Coverage & Claims

If someone borrows a car and there is an accident, should the claim be filed with the driver's insurance or with the car owner's?

Ultimately, the decision to file a claim or not will be up to you and your dad. You can use our State of Insurance report to give yourself an idea how much an At Fault accident will affect your rates, but there is no way to tell with 100% accuracy until you are charged for the accident by your company.

Coverage & Claims

Will my car insurance rate go up for a not at fault accident?

I can't speak directly to commercial insurance policies, but for personal auto policies, even not-at-fault accidents can have a negative impact on your rates in New York. You should ask your insurance provider how that might impact your rate since it is a commercial policy.

General Insurance
Insurance Companies

Are all car insurance policies the same?

This is a great question! There can be huge differences between what is offered by one company or another. Not all policies are created equal even if the coverage amounts are the same.

Insurance Companies

How do insurance companies make money?

<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Auto insurance companies bring in money from new and existing customers and that money goes into a pool to cover claims that may be filed by their customers. These companies determine how much money they need in the pool at any point in time based on the number of customers they have to make sure they are able to cover any claims that arrise.
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