How Can I Obtain Insurance If Several Companies Have Rejected Me?
If all attempts fail and you are unable to obtain automobile insurance, some states allow you to obtain insurance through a state insurance program. However, this program should be a last resort because the premium rates are generally higher than those of private companies are.
Other Auto Insurance FAQs
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Q:
Is An Insurance Company Obligated To Issue Me An Automobile Insurance Policy?
A: No. Automobile insurance providers are not obligated to offer coverage to all applicants. Each company has its own underwriting requirements and, therefore, may … More -
Q:
Can I Be Added To My Parents' Automobile Insurance?
A: If you drive a family car, you can be added to your parents` policy; however, the cost of the policy will increase. If you have your own automobile, your parents` … More -
Q:
Will My Rates Go Up Or Will I Lose My Insurance If I Am Involved In An Accident Or Get A Ticket?
A: If you are not at fault in an accident, your insurance should not be affected. If you are at fault, get a ticket for a moving violation, or are involved in an … More -
Q:
What Does Comparative Negligence Mean?
A: Comparative negligence law is based on a percentage of negligence. If one person`s negligence was less than the negligence of the party with whom a claim for recovery … More -
Q:
Do I Have A Grace Period For The Payment Of My Automobile Insurance Premium?
A: No. There generally is no grace period in an automobile insurance policy. -
Q:
If I Call An Agent For A Quote Of An Automobile Insurance Premium And Later Decide To Apply For A Policy Based On The Rate Quote, What Happens?
A: Occasionally an agent might make a mistake in calculating a rate, and the company is required by law to use the rates filed with and approved by the Insurance … More -
Q:
How Long Does The Insurance Agency Have To Respond To My Claim?
A: The Actual time may vary from state to state. However, the general rule adopted by most states is that the insurance company has 30 days to respond, unless an … More -
Q:
Why Does The Insurance Company Have To Investigate The Claim When The Police Cited The Policyholder?
A: A traffic citation is not a determination of legal liability. The company is still obligated to investigate claims made according to the specifications of the policy. … More -
Q:
What Is Full Coverage?
A: The definition varies from policy to policy. Often there are misunderstandings surrounding the coverage. For this reason, it is important to carefully read your … More -
Q:
What About A Rental Car While Mine Is Being Repaired?
A: If the other person is at fault or if the other party`s insurance company has accepted fault, then you are entitled to a rental car. Even if you are at fault, some … More
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