General Auto Insurance Questions - Auto Insurance @ Free Advice

Insurance Advice

View All Law Topics

Free Case Review

Legal Resource Directory

FreeAdvice Answers

Home > Law Advice > Auto Insurance > General Auto Insurance Questions

Auto Insurance
	All States

General Auto Insurance Questions

FAQs

What is a ‘financial responsibility’ law?

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?

What happens if I'm sued for causing a car accident and I don't have insurance?

What am I required to do when I have a claim?

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?

Are there legal limitations on insurance company business practices?

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.

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.?

Are there any limitations on what an insurance company can charge for insurance?

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?

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?

Can an insurance company cancel my policy for any reason it chooses?

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?

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?

Can I cancel my policy at any time and will there be a penalty?

Lawsuit for breach of contract

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?

What happens when there is a claim?

Are there any options for resolving a dispute with my insurance company other than suing the company in court? Arbitration?

If I am sued, does my insurance company defend me in court?

What is an auto insurance policy?

What is a ‘reservation of rights’ letter?

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?

What can I do when an insurance company refuses to pay a claim?

Can an insurance company refuse to sell me insurance for any reason it chooses?

Lawsuit for ‘bad faith’

If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?

Complaint to department of insurance

If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?

Are there any government agencies that regulate how insurance companies operate?

How does an insurance policy ‘protect’ me?

What is an ‘insurable interest’?

I had an accident in a car I was test driving. Does the car dealership cover the costs of repair?

Why do I need automobile insurance?

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!

If I own a car, do I have to buy insurance?

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?

Related Information
» General Auto Insurance Questions	» Cancellations
» Auto insurance claims	» Auto insurance deductibles
» Dispute resolution methods	» Drunk driving
» Government regulation	» Liability
» No insurance	» Property damage claims
» Purpose	» Rates and rating
» Requirements	» Rented car insurance
» Totalled vehicle	» Traffic violations

Topics Related To Auto Insurance
» Insurance Law	» Auto Insurance
» Business Insurance	» Long Term Care
» Disability Insurance	» Health Insurance
» Insurers Bad Faith	» Life Insurance Law
» Property Insurance	» Viaticals

insurance lawyer

» Ask a question in our legal forum

» Search our legal resource directory

» Find an attorney in your area

» Let us find a lawyer for you

State Law Center | Legal Resource Directory | Legal Articles | Insurance Advice and Quotes | FreeAdvice Answers | Community Forums
Media | Privacy Policy | About Us | Contact Us

FreeAdvice® has been providing millions of consumers with outstanding legal and insurance information and general advice, free, since 1995. While not a substitute for personal advice from a licensed professional, FreeAdvice is available AS IS, subject to our disclaimer and conditions of use.
FreeAdvice®, AttorneyPages®, ExpertPages® are registered trademarks and units of Advice Company.
All Rights Reserved © 1995-2009