http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/index.html LawInfo - Legal Resource Center offers free legal forms and free legal documents that is designed to help consumers and businesses resolve their legal issues http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/is-an-insurance-company-obligated-to-issue-me.html No. Automobile insurance providers are not obligated to offer coverage to all applicants. Each company has its own underwriting requirements and, therefore, may decline an application if it does not meet the company`s criteria. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/can-i-be-added-to-my-parents-automobile-insur.html 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` company may sell you a separate policy but at a different rate than your parents. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/will-my-rates-go-up-or-will-i-lose-my-insuran.html 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 expensive collision claim, the company will most likely consider that when setting the price for your insurance policy.  You can inquire about your company's policy regarding the impact of an accident or a ticket on your rates or on your policy renewal.  Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/how-can-i-obtain-insurance-if-several-compani.html 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. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/what-does-comparative-negligence-mean-.html 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 is made, recovery will be in proportion to the amount of negligence attributed to such other party. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/do-i-have-a-grace-period-for-the-payment-of-m.html No. There generally is no grace period in an automobile insurance policy. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/if-i-call-an-agent-for-a-quote-of-an-automobi.html 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 Department. If the company were to use any other rates, they would be in violation of state statutes. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/how-long-does-the-insurance-agency-have-to-re.html 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 investigation cannot reasonably be completed within that time. If an insurer is unable to contact or locate its policyholder, the investigation may take longer. Further, if the insurer can`t complete the investigation within 30 days they are usually required to keep you updated on the progress of their investigation. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/why-does-the-insurance-company-have-to-invest.html 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. It is possible that there may be more than one person at fault and the liability would be shared. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/what-is-full-coverage-.html The definition varies from policy to policy. Often there are misunderstandings surrounding the coverage. For this reason, it is important to carefully read your policy. In general, even under a full coverage policy, towing, rental, and extended coverage for special stereo or other equipment are additional policies that you must purchase. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/what-about-a-rental-car-while-mine-is-being-r.html 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 insurance providers will provide you with a rental car. If your vehicle is considered a total loss, case law does not require the insurance provider to supply you with a rental car. However, it is usual company practice to provide loss of use until the first offer is made for a total loss settlement amount. If your company is handling the damages you must have rental coverage on your policy to obtain a rental car. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/can-i-choose-where-i-want-to-have-my-car-repa.html Yes. You are generally free to choose whatever shop you want to do the work. However, the insurer is only obligated to pay for the going rate for repairs in your area. Therefore, if the shop you choose charges a higher labor rate, you may end up paying the difference. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/what-if-the-original-estimate-does-not-match-.html The repair shop generally works with the adjuster to handle any additional costs that occur due to hidden damage or differences in the price of parts. If the insurance provider and the repair shop can`t agree, it is the responsibility of the insurance provider to provide the name of a repair shop that will repair your vehicle for the amount of the estimate. The repair shop the company suggests must be within a reasonable distance from where you live. Auto Insurance FAQs Mon, 04 Jun 2007 21:51:22 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/can-the-insurance-provider-require-the-repair.html Generally, the insurance provider must reimburse you for the repair or replacement of your vehicle with like kind and quality parts. However, the parts may not have to be new parts. If the parts and repairs are guaranteed by the repair shop, and are in the same condition as the parts damaged, they conform to the repair requirements. If you insist on certain parts you may have to pay the additional cost. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/if-the-insurance-company-pays-me-do-i-have-to.html Insurance providers vary in their policies regarding payment of damage amounts. Your insurance provider may have language in your policy regarding whether it is necessary to repair your vehicle. Some insurance providers will not issue a reimbursement check in your name only. Sometimes the insurance provider will make the check out to both you and the repair shop. Since there is no universal rule, it is important to carefully read your policy. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/if-my-vehicle-is-declared-a-total-loss-how-mu.html The insurance provider owes you the fair market value of your vehicle before the accident in your local area. The fair market value is defined as what a willing buyer would have paid a willing seller for your vehicle in an open market. You can determine this amount by using dealer quotes and/or newspaper advertisements. In addition, you can also rely upon other auto sales publications, as long as the vehicle being sold is comparable to yours in mileage, condition, options, etc. Auto Insurance FAQs Tue, 29 May 2007 21:19:00 GMT http://resources.lawinfo.com/en/Legal-FAQs/Auto-Insurance/Federal/will-the-insurance-provider-reimburse-me-for-.html No. A property damage claim includes the cost to repair or replace the vehicle and compensation for loss of use of that vehicle. The time you spend on securing payment may be considerable; however, the insurance provider probably won`t compensate you for time or lost wages under a property damage claim. 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