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Information relating to this topic has been arranged in the following groups:
General Auto Insurance Questions
FAQs
What happens if I'm sued for causing a car accident and I don't have insurance?
Are there legal limitations on insurance company business practices?
Are there any limitations on what an insurance company can charge for insurance?
Can an insurance company cancel my policy for any reason it chooses?
Can I cancel my policy at any time and will there be a penalty?
What happens when there is a claim?
If I am sued, does my insurance company defend me in court?
What is a ‘reservation of rights’ letter?
What can I do when an insurance company refuses to pay a claim?
Lawsuit for ‘bad faith’
Complaint to department of insurance
Are there any government agencies that regulate how insurance companies operate?
What is an ‘insurable interest’?
Why do I need automobile insurance?
If I own a car, do I have to buy insurance?
What is a ‘financial responsibility’ law?
What am I required to do when I have a claim?
I hired an attorney to represent me against two auto insurance companies. Later I found out that his firm also has represented these same two companies. Wasn't the attorney legally and morally obligated to tell me this? I would not have hired him if I had known.
I'm still carrying a loan on my truck, which was damaged heavily in a car accident that was not my fault. The other driver's insurance company offered a fraction of what I owe. If I accept, an I still in debt for the balance of my loan?
I was injured in an accident with a rental car, and the driver was not on the contract. Can I get the rental agency to pay?
Lawsuit for breach of contract
Are there any options for resolving a dispute with my insurance company other than suing the company in court? Arbitration?
What is an auto insurance policy?
I injured someone in a car accident. The insurance company refused to settle within my policy limits and the jury awarded damages in excess of my policy limits. Must I pay the excess?
Can an insurance company refuse to sell me insurance for any reason it chooses?
If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
How does an insurance policy ‘protect’ me?
I had an accident in a car I was test driving. Does the car dealership cover the costs of repair?
I have a friend who is an avid motorcycle rider and who particularly enjoys driving while drunk. Can I take a out a large insurance policy on him? My odds of collecting are higher than the lottery!
On my way to a company seminar, a deer hit my car, causing a lot of damage. As it was my car, not my company’s, my auto insurance will cover the damages. But who pays the deductible?
My car was damaged; the other driver was at fault; her insurance adjuster totaled my car. I had no insurance at the time of the accident. Will her insurance company withhold paying for damage because I was driving without insurance?
We have a policy limit of $100,000. Does this mean that any medical bills, damages, legal fees, etc. that exceed that limit are my responsibility?
My truck was stolen two weeks ago. I've made a claim and I am waiting to see what happens. My insurance policy states’cash value.’ my insurance adjuster told me that an independent company will place a value on my truck. Am I able to dispute the price they offer me? Can I get my own independent value from dealers, the classifieds, etc.?
The auto body shop where I took my car was recently broken into. My car glass was broken along with 12 other cars. The repair shop says they are not responsible for the damage. The lot was not secured and no signs posted. I did not sign any release. As the car is old, I carry only liability insurance. Shouldn't the shop have some insurance to cover this type of damage on their premises?
While riding my motorcycle, I was hit by a guy running a red light. His insurance company wants access to all of my medical records, including records from before the accident. Do I have to give the company the old records?
The folks at the car rental counters encourage customers to buy ‘cdw’ insurance. Should i, especially since I have collision insurance as part of my personal automobile policy?
Cancellations
FAQs
Can an insurance company cancel my policy for any reason it chooses?
Can I cancel my policy at any time and will there be a penalty?
If I am convicted of drunk driving, can my insurance company raise my auto insurance rates?
Auto Insurance Claims
FAQs
Should I try to settle with the other person’s insurance company?
If I'm involved in a car accident, do I have to tell the insurance company about it right away or can I try to handle it on my own?
If I am sued in an auto accident injury case, will my insurance company defend me in court?
Whom do I contact after an auto accident?
What happens when there is a claim?
What is a ‘reservation of rights’ letter?
What can I do when an insurance company refuses to pay a claim?
How does homeowner's insurance pay for property damage to my home in the event of a fire, theft, or other disaster?
What am I required to do when I have a claim?
I hired an attorney to represent me against two auto insurance companies. Later I found out that his firm also has represented these same two companies. Wasn't the attorney legally and morally obligated to tell me this? I would not have hired him if I had known.
I injured someone in a car accident. The insurance company refused to settle within my policy limits and the jury awarded damages in excess of my policy limits. Must I pay the excess?
If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
We have a policy limit of $100,000. Does this mean that any medical bills, damages, legal fees, etc. that exceed that limit are my responsibility?
My truck was stolen two weeks ago. I've made a claim and I am waiting to see what happens. My insurance policy states’cash value.’ my insurance adjuster told me that an independent company will place a value on my truck. Am I able to dispute the price they offer me? Can I get my own independent value from dealers, the classifieds, etc.?
Auto Insurance Deductibles
FAQs
On my way to a company seminar, a deer hit my car, causing a lot of damage. As it was my car, not my company’s, my auto insurance will cover the damages. But who pays the deductible?
My tire on my suv was ruined when I ran over a road sign that was lying flat in the middle of the road. Is the state liable to reimburse me for the damaged tire since my auto insurance deductible will not be met?
Dispute Resolution Methods
FAQs
Lawsuit for ‘bad faith’
Complaint to department of insurance
Lawsuit for breach of contract
Are there any options for resolving a dispute with my insurance company other than suing the company in court? Arbitration?
Drunk Driving
FAQs
If I am convicted of drunk driving, can my insurance company raise my auto insurance rates?
Government Regulation
FAQs
Are there legal limitations on insurance company business practices?
Are there any government agencies that regulate how insurance companies operate?
Who regulates them?
Liability
FAQs
If I own a car, do I have to buy insurance?
What is a ‘financial responsibility’ law?
No Insurance
FAQs
What happens if I'm sued for causing a car accident and I don't have insurance?
My car was damaged; the other driver was at fault; her insurance adjuster totaled my car. I had no insurance at the time of the accident. Will her insurance company withhold paying for damage because I was driving without insurance?
Interviews
Uninsured Motorist Coverage - What Consumers Can Do When Insurers Won't Listen
Property Damage Claims
FAQs
How does auto insurance pay for property damage in the event of a car accident?
My car was damaged; the other driver was at fault; her insurance adjuster totaled my car. I had no insurance at the time of the accident. Will her insurance company withhold paying for damage because I was driving without insurance?
Purpose
FAQs
Why do I need automobile insurance?
How does an insurance policy ‘protect’ me?
Rates And Rating
FAQs
Are there any limitations on what an insurance company can charge for insurance?
Requirements
FAQs
What is an ‘insurable interest’?
Rented Car Insurance
FAQs
I was injured in an accident with a rental car, and the driver was not on the contract. Can I get the rental agency to pay?
The folks at the car rental counters encourage customers to buy ‘cdw’ insurance. Should i, especially since I have collision insurance as part of my personal automobile policy?
Totalled Vehicle
FAQs
I'm still carrying a loan on my truck, which was damaged heavily in a car accident that was not my fault. The other driver's insurance company offered a fraction of what I owe. If I accept, an I still in debt for the balance of my loan?
My car was damaged; the other driver was at fault; her insurance adjuster totaled my car. I had no insurance at the time of the accident. Will her insurance company withhold paying for damage because I was driving without insurance?
Traffic Violations
FAQs
Why do insurance companies raise the premium for having points on your record?
Topics Related To Auto Insurance
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Insurance Law
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Auto Insurance
»
Business Insurance
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Long Term Care
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Disability Insurance
»
Health Insurance
»
Insurers Bad Faith
»
Life Insurance Law
»
Property Insurance
»
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