Where can you get an answer to a specific question about car insurance?
Why not call an insurance agent? Or two or three? Most
will be more than happy to discuss your situation with you before you actually
buy a policy. And there is no need to reveal that you already have an agent if
you are just getting a second opinion. Also, your local license branch may be
able to help you for free, but their knowledge is usually limited to actual
legal requirements to get your license plates. Most insurance questions are not
based on legality, but rather an insurance carriers policy, which can be very
strict and a nightmare if you violate it. As a last resort, you can talk to an
attorney, usually for a fee. But unless you are already in a legal mess, I
think an insurance agent is by far your best resource.
Back to TopCan you get your car insurance before you've moved to the state?If you have an address
in the new state.Back to TopCan auto insurance companies demand information about people who live with you?The insurance company
can ask you a lot of things that you don't think are any of their business, but
if they are insuring your auto, they have every right to ask about all
residents in your household as well as anyone else who may have access to your
vehicle. Failure to disclose is a violation of the terms of your insurance
contract and can result in cancellation or non-renewal of your policy.Back to TopCan you use your parents' insurance policy to cover a car that's in your name?Yes, So long as you
are also listed by name as a covered driver on your parents Policy and your
parents have an insurable interest in your vehicle.
If you are a minor or a dependent still living at home then you might be able
to get insurance cheaper through your parents than you could separately.
You "by name" would need to be added along with your vehicle to your parent’s
policy to be an insured driver.
If you’re trying to get insurance while hiding the fact that you’re a driver,
which is a well known form of Insurance Fraud by concealment. It's a Felony and
you would not be covered.
Back to TopDo you have to have a driver’s license when you get insurance on a new car?Yes, you can buy and
insure a car without a Driver’s License. You just can't drive it
off the lot.
Most states now require Auto Dealers to verify your driver’s license and liability
coverage before a customer drives off the lot with a purchase. This is to
protect the car buyer as well as the rest of the public from the consequences
of an accident with an uninsured driver.
One of the times that we as drivers are at higher risk of being involved in an
at fault accident is after the purchase of a vehicle when we may not yet be accustomed to the subtleties
and handling characteristics of a recently acquired vehicle.
State law requires that you have the minimum liability and medical limits
required in order to operate a vehicle on public roads. Private roads and off
road is another matter.
A vehicle can be purchased and shipped where insuring arrangements are being
made elsewhere before operation. Some vehicles are purchased strictly for off road use or Farm use
and may never need a license or insurance.
You can certainly buy property insurance without a driver’s license, other
valid ID is sufficient. Most insurance companies will require a driver’s
license to buy Auto Liability Insurance, others will let you buy it and then go
get the license, they may require you obtain the license within 30 days. After
all, you need the insurance in order to take the driver’s test.
Back to TopCan you get new auto insurance if you let your old policy expire?Yes, Of Course you
can. Just call the insurance company of your choice and ask for a quote. It is
extremely common for people to shop new rates upon expiration of the old
insurance policy. Many people overpay for their insurance simply due to not
shopping around at renewal time.
In Fact, it is the most common time and is even recommended by most agents as
the perfect time to shop around for a new rate is upon the expiration of the
Most Insurance companies are fully aware that renewal time is the best time to
pick up new insurance customers and may offer you a discount of 5 to 10 percent
to transfer your business to their company.
Back to TopWhat is the difference between assigned risk and non-standard auto programs?Assigned Risk Pool
auto insurance is usually the Insurer of last Resort for the highest risk
drivers who have been declined by at least three Insurance Companies. The
Application for insurance is assigned by the state to an admitted carrier in
that state. The agent submits the auto application to the state assigned risk
plan. The state plan then assigns the application to a licensed insurance
company for issue. The agent may or may not have a contractual relationship
with the assigned carrier. Generally the assigned carrier is required to offer
insurance for three years only and is typically more expensive when compared to
the rest of the market.
Non-standard auto insurance may or may not be for a high risk driver and is
purchased from the agent or directly from the company. If purchased from an
agent that agent has a contractual relationship with the company issuing the
As far as the actual coverage there is no difference.
Back to TopCan I buy auto insurance from Legacy IFS even though I currently have an auto insurance policy with another company?
You might be
under the impression, as most people are that once you buy an auto insurance
policy, you're locked into that contract for the entire policy term.
Thankfully, many companies will allow you to switch before the end of your
policy term (although some may charge you a cancellation fee).
important, however, not to cancel your current policy until your new auto
policy takes effect. Having even a 1-day gap in auto insurance coverage can
cause your auto insurance rates to go up.
When it comes
to deciding where to buy auto insurance, it's a no-brainer! Convenient service
coupled with great savings makes switching to Legacy IFS the right choice!
Back to TopWhat's covered by a home owner’s insurance policy?
A standard home owner’s
insurance policy, also known as an HO-3 policy, generally protects your home
and your personal property from damage caused by:
(including hurricanes and tornadoes) or hail
or civil commotions
or vandalism (sometimes called malicious mischief)
of ice, snow, or sleet
of plumbing, heating, air conditioning, or other household systems
Your home owner’s
policy also provides personal liability coverage,
which protects you if someone is hurt or injured by you or your family while on
Many home insurance
policies cover most damage unless something is specifically excluded. It's
extremely important to read your policy thoroughly and know exactly what it
Back to TopWhat's not covered by a home insurance policy?
A standard home owner’s
insurance policy, also known as an HO-3 policy, typically does not cover damage
caused by floods or earthquakes.
movement (as in earthquakes and landslides)
(your policy may include some coverage)
fungus, or wet rot (your policy may include some coverage)
vermin, rodents, or insects
and tear or deterioration
or law (your policy may include some coverage)
vary, it's important that you read yours thoroughly to know what is and isn't
Back to TopWhat does personal liability cover on my home insurance policy?
insurance, also known as liability insurance, covers you if someone is injured
(or their property is damaged) on your property. Liability insurance coverage
also follows you and will pay for losses anywhere in the world if you're deemed
liable for injuring or causing damage to others.
might also pay for medical expenses if someone is injured in your home, which
sometimes helps to avoid lawsuits.
If you're sued,
liability insurance usually pays for your defense in court as well. The amount
of liability insurance coverage provided by a policy is usually allotted for
Back to TopWhat does personal property insurance coverage include?
insurance covers items inside your home that are owned by you and your family.
Examples of personal property include your clothes, furniture, furnishings, and
Most home owner’s
policies will automatically cover your personal property up to 40 percent of
the amount of insurance that you have on the home itself. Antiques, rare items,
or outdated items are often not covered under personal property insurance.
Back to TopDoes home insurance cover additional living expenses?
expense (ALE) coverage is a type of insurance included with most home owner’s
policies. It pays for necessary additional living expenses, making sure you and
your family can maintain your normal standard of living if you have to
temporarily relocate due to a claim.
If you're unsure if
this type of coverage is included on your home owner’s policy, call your agent
or review your policy documents.
Back to TopIs the property in my car covered by my home insurance policy?
belongings not in your home are covered at about 10 percent of the value of the
coverage you have on your home. But all policies are different. Often, there
are limits on the amount of coverage for things that are frequently stolen from
vehicles, like computers and electronics. When you purchase your coverage, make
sure to read your policy and purchase additional riders to extend that coverage
Back to TopWhat is medical payments insurance?
coverage, also known as MedPay, covers medical expenses for anyone accidentally
injured on your property, regardless of who is at fault. It does not apply to
you or members of your family who live with you.
Back to TopWhat is actual cash value?
Actual cash value,
also known as ACV, describes what it would cost to replace your home after
depreciation has been factored in.
usually calculated by establishing the life of the item and then determining
what percentage of that life remains. This percentage is multiplied by the
replacement cost to determine actual cash value.
Back to TopWhat is replacement cost coverage?
also known as replacement value, describes what it would cost to replace your
home at the present time, based on its current (pre-loss) worth.
Back to TopWhat is the deductible?
Your home owner’s
insurance deductible is the amount you pay out of pocket for covered damage
before your insurance kicks in. For example, if your home insurance claim is
approved for $6,000, and your deductible is $1,000, your insurance company will
pay the remaining $5,000 after you pay your deductible.
If you don't know
how much your deductible is, check your declarations page or call your
insurance agent to find out.
Back to TopHow long will it take to process my home owner’s insurance claim?
It depends on the
complexity of the claim, the seriousness of damages or injuries, and the
willingness of other involved parties to cooperate.
simple claims can be settled in a matter of weeks, but more complicated claims
may take much longer — especially when several estimates are needed. However,
since every claim is different, determining an exact amount of time is
difficult. Your best bet is to provide all the information you can, and then be
Back to TopWill filing a claim affect my home insurance rate?
Many people believe
that filing a claim will cause their rates to go up, but the fact is that when
it comes to home owners insurance, claims don't always dictate the premium.
focuses more on the region that you live in. Your premium will be largely
determined by the number of catastrophes your area has suffered in the past few
years, the potential risk in your area, the type of home you live in, and the
amount of coverage you buy. Home owners insurance premiums are usually raised
for a given region, not individually, and insurance companies can only submit
rate increases once per year.
Back to TopWhen I file a home insurance claim, do I need to contact the police?
If your loss
involved theft or burglary, in addition to reporting the claim to your
insurance company, you should report the incident to the police. This will help
expedite your claim down the road.
Back to TopNeed More Info?http://wiki.answers.com/Q/Where_can_you_get_an_answer_to_a_specific_question_about_car_insurance#ixzz1wwUmDikbBack to Top