Auto Insurance

Home owners and auto insurance are regulated in a few very specific ways. Learn who regulates home owners and auto insurance with help from an attorney in this free video clip.

Comprehensive insurance for autos offers certain protection during your everyday driving routine - not just if you're involved in an accident. Learn about comprehensive insurance for autos with help…

An auto insurance declaration page is commonly defined in a very direct way. Learn about an auto insurance declaration page with help from an automotive insurance professional in this free video clip.

Auto insurance loss ratio can be improved in a number of different ways. Find out how to improve auto insurance loss ratio with help from an automotive insurance professional in this free video clip.

You can become an auto insurance adjuster by following the appropriate career path. Become an auto insurance adjuster with help from an automotive insurance professional in this free video clip.

Automotive insurance comes with a number of benefits that you may not realize. Learn about the benefits of auto insurance with help from an automotive insurance professional in this free video clip.

If you don't have automotive insurance there will be certain consequences you can expect if you get into an accident. Find out about the consequences of no auto insurance with help from an automotive…

Comprehensive automotive insurance is commonly defined in a very specific way. Find out about comprehensive auto insurance with help from an automotive insurance professional in this free video clip.

Boys pay more than girls on their auto insurance policies for a few very specific reasons. Learn the reason why boys pay more for auto insurance than girls with help from a dedicated insurance…

If you think that car insurance covers items stolen from your car, the reality of the situation may shock you. Learn whether or not auto insurance covers items stolen from the car with help from an…

Just about everyone purchases insurance at some point. Whether it be automobile insurance that protects against loss arising from an automobile accident, or insurance purchased to protect your home or…

Depending on the types and amount of coverage you purchase through a contract with an insurance provider, an automobile insurance policy can protect your assets in the event you are at fault in an…

Auto insurance is more than just the premium you pay and the deductible. Each state has its own laws regarding the type and amount of coverage required. Additional types of insurance coverages may be…

Missing an auto insurance payment not only puts the policy you have at risk, but it also may affect your ability to get auto coverage with other insurers. Sometimes not paying for coverage as agreed…

Depending on the time you've held your insurance and how far in advance you've paid your premium, you may or may not receive a prorated refund when canceling your auto insurance. Don't assume you'll…

An auto insurance adjuster is responsible for finding the lowest amount to offer a claimant. Sometimes, an adjuster will even choose to deny a claim if any evidence favors his decision to do so. If…

If you ever need to file an auto claim in Ohio, you might want to pay close attention to the calendar. That's because the state follows a statute of limitations, which sets a time period of how long…

In a personal injury action, plaintiffs file for special damages, general damages and punitive damages. General damages are those which are nonquantitative in nature and generally regard pain and…

If you feel you've been treated poorly by an insurance provider in Florida and have been unable to resolve the issue by dealing with the company directly, you can submit a complaint to the Florida…

Personal auto insurance protects you from losses related to the use of your automobile including financial losses resulting from accidents. This type of insurance covers the driver, spouse and other…

The Insurance Research Council estimates that one in six drivers in the United States is driving uninsured. This has big financial consequences for national and local economies, especially for drivers…

The first accident did not follow very far behind the first car to take the road. Most accidents are minor fender benders, but some are severe, causing death or permanent injuries. Judges, juries and…

As of September 2010, PIP, or personal injury protection auto insurance, was required in 16 states. In the remaining 34 states, PIP was optional; it may be waived when you sign your insurance policy.…

Driving without insurance is illegal in every state, and insurance makes up a significant part of the cost of owning a car. Various factors are considered when insurance companies calculate policy…

The consequences of being caught driving without insurance can be steep depending upon each situation. Most states have penalty fees for uninsured drivers. A driver caught without insurance may have…

In most states, it's not necessary to register your new auto insurance with any government agency. Checking for proof of insurance whenever you're in an accident or get a ticket is all the…

An automobile insurance policy protects you from catastrophic losses if your vehicle becomes severely damaged in an accident. Most policies, however, carefully outline an exclusion for expenses due to…

Florida mandates that all drivers with vehicles registered in the state carry auto insurance with a minimum of $10,000 coverage for both personal injury and property damage. All insurers must offer…

In Wisconsin, the at-fault driver involved in an accident will be held financially responsible for any damages incurred. The Wisconsin Department of Transportation will suspend driving privileges for…

If the victim of a car accident in the state of Indiana suffers injuries that exceed the dollar amount of the defendant's insurance, then she may file a lawsuit to collect the difference. The lawsuit…

Many auto insurance claims in Texas that are the result of a personal injury accidents are settled out of court. The victim, however, needs to be aware of the statute of limitations, time limit, in…

Most states require automobile owners carry uninsured motorist coverage as part of their automobile liability insurance. Such coverage protects an automobile owner in the event he collides with an…

Automobile insurance is required for every driver in Washington. All drivers filing insurance claims relating to automobile accidents have certain rights protected by law. These rights are enforced by…

Washington state has a mandatory vehicle insurance law that requires residents to purchase certain types of coverage with a stated minimum amount of coverage. This law does not apply to all vehicles,…

According to AllAboutCarAccidents.com, the first step to understanding the claims laws in Ohio is to understand your insurance policy. Ohio law gives you certain rights when it comes to making a claim…

The California Automobile Assigned Risk Plan (CAARP) has existed since 1947. When drivers have exhausted the possibility of obtaining automobile insurance through regular insurance channels, CAARP…

In the event a person needs to take his car to an auto body repair shop, he should be well aware of his rights in order to avoid being taken advantage of. Anyone who feels as if repair work was done…

Insurance definitions of "household member" differ depending upon the type of insurance coverage and the underwriting guidelines used by a particular company. Some companies allow coverage to include…

Auto insurance is compulsory in most states. However, auto collision coverage is not. Auto collision insurance is useful in situations such as when a parked or stopped vehicle is hit from behind.…

Motor Vehicle Third Party Insurance acts require drivers to have auto insurance and establish a regulatory power to oversee the acts' enforcement. Specific examples of such acts include legislation…

Japan's automotive laws includes a mandatory purchase of "Jibaiseki Hokan," called Compulsory Auto Liability Insurance (or CALI) in English. While other, voluntary forms of insurance cover accidents…

Insurance law is the area of law that regulates sale of insurance, ensures fairness of insurance contracts--usually referred to as insurance policies--enforces their terms and otherwise pertains to…

When involved in an auto accident, each state allows a set amount of time to file a claim against the other person. The statue of limitations is designed to protect parties from stale, dated claims.

Insurance settlement laws vary from state to state. Policyholders must look up the regulations for their jurisdiction to understand their rights. Each state has an insurance regulatory commission that…

Most states require drivers carry mandatory insurance to operate legally on the roads. The state laws protect drivers from the financial devastation that can occur because of one automobile accident.…

Insurance defense is when insurance companies defend themselves from legal claims made by policyholders. This usually stems from a plaintiff filing a lawsuit after a denial of an insurance claim.

The laws for insurance claims for auto accidents differ from state to state. An auto insurance claim represents a demand for payment. The insurer has the obligation to pay the insured or a third party…

In layman's terms, a "statute of limitations" is the time limit during which a party may take legal action to resolve a disputed matter. If you're an uninsured Washington motorist and deemed…

Your child is about to turn the legal age for driving a vehicle. He has already stated that he will be at the Department of Motor Vehicles on the very first day he is able to get his permit. He has…

In Canada, the law states you must purchase car insurance for your vehicle. When you do this you are entering a contract between you and the insurance company. You promise to pay the premium and they…

Texas state law requires all motorized vehicles to have insurance. Motorists can choose between the liability insurance, or purchase full coverage that pays for damages to all property involved in a…

The state of Arizona does not require renter's insurance on self-storage units. Individual storage companies, however, may require renter's insurance. Renter's insurance is recommended for…

Auto accidents can be a traumatizing experience for all involved. In addition to injuries, car damage and the loss of transportation, the insurance claims process can be extensive. The state of…

Texas reported an average of more than $20.6 million in economic loss due to motor vehicle crashes from 2003 to 2008. When an individual is involved in a car accident, it can be one of the most…

In the Canadian province of Ontario, the Insurance Act of 1990 contains the laws governing the insurance industry. Regulation 668 of the act is used to determine where fault lies when someone makes an…

Individuals purchase insurance policies to protect themselves from financial liability in a number of circumstances. When loss occurs because of events, such as a house fire or earthquake,…

Automobile liability insurance is required by most states to protect drivers from financial damages caused by auto accidents. The financial devastation that could occur from one accident has caused…

Michigan drivers are required to be insured. Either the driver or his insurance company may choose not to renew a particular policy, but the driver must have another policy in place to avoid serious…

Car accidents occur every day, and many are simple fender benders where one driver failed to stop quickly enough and rear-ended the driver in front of him. If you have been in a rear-end collision…

The No Fault Insurance Act is a Michigan state law that makes it a no-fault state regarding auto accidents. Many other states have passed similar laws, but not necessarily under the same name.

The state of Montana requires all drivers in the state to carry a minimum amount of insurance coverage. The insurance laws are in place to protect drivers from automobile accidents in which someone…

Injury and property damage resulting from an automobile accident can have astronomical costs. A liability policy pays for this damage when the policyholder has been found at fault for the accident.…

Like most states, Indiana requires drivers to adhere to proper insurance coverage. Drivers are expected to know the law and carry insurance, covering them if they are involved in an auto accident in…

As with many nations, Canada requires that drivers have auto insurance in order to travel on public roads. This is in an effort to encourage safe driving and to protect drivers in the event of…

Failure to maintain state-mandated car insurance can result in a host of serious consequences, particularly if a driver causes an accident resulting in injury and/or property damage to other parties.…

The State of Ohio wants to make sure that motorists are protected in the event they are unfortunate enough to have an accident while driving. The Ohio Department of Insurance is responsible for…

Michigan auto insurance laws provide the framework for consumers looking to purchase insurance policies and insurance companies that must tailor these policies to conform to state coverage minimums.…

California auto laws are designed to keep drivers and passengers safe. These may include speed limit laws, car seat laws and auto insurance laws. Drivers in California must adhere to the law in order…

Your home needs protection. Take advantage of the discounts and offers available to you as a teacher. Be aware that many states have their own teacher discount offers.

Every state has its own laws regarding required types of automobile insurance and minimum amounts of coverage. In California, drivers need only maintain liability insurance to operate their vehicle.…

It was not your fault, but you were involved in an auto accident that left your car destroyed and your body injured. Maybe you broke a bone, needed surgery or suffered soft tissue damage that doesn't…

The goal of a personal injury lawsuit is to recover money damages from somebody responsible for causing the injury. Most of the time, this involves an insurance company who is on the hook for the…

In the state of Missouri, the Motor Vehicle Financial Responsibility Act governs the rules and regulations regarding motor vehicle insurance. Under this law, prior to registering your vehicle you must…

Because each state is responsible for its own insurance laws there is no one set of government regulations that auto insurance companies must follow, but rather each company must comply with the laws…

Enacted in 2003, the Insurance Motor Vehicle Act is a set of regulations that was created to establish uniformity in the British Columbia (B.C.) and Canada vehicle insurance industry by providing…

If you have been convicted of a driving under the influence charge, driving without insurance or accumulated multiple driving infractions within a short period of time; your local government or state…

Auto insurance provides financial protection in the event an automobile accident causes injury, death or property damage. Each state has its own laws regarding the required types of coverage, minimum…

Created in 1973, the Insurance Corporation of British Columba (ICBC) is the crown corporation that provides insurance for residents of this Canadian province. According to the Insurance Vehicle Act,…

FR-44 is a Financial Responsibility insurance certificate required for drivers who have a DUI (Driving Under the Influence) or DWI (Driving While Intoxicated) conviction. After sentencing, such…

While the problem of uninsured motorists has remained a constant over the years, recession, a weak economy and the accompanying job layoffs put it even more squarely in focus. Driving without…

California requires all drivers to prove they are financially responsible and able to pay for damages if they cause an accident. Most drivers prove their financial responsibility by purchasing car…

Bad faith occurs when an insurance company does not follow guidelines set forth by the government and insurance industry to properly handle any insurance claim. There are five key components of a bad…

Automobile insurance is nothing more than a wager that sooner or later you will be in an accident. The particular laws for auto insurance vary from one state to another, but there are also laws that…

Pennsylvania requires all drivers on Pennsylvania's roads to carry liability insurance. The Pennsylvania Motor Vehicle Financial Responsibility Law determines the amount of coverage a driver must…

Automobile insurance is something that most people prefer not to think about. However, it is required by law in every state, and even if it weren't, insuring yourself and your car would only make…

Automobile accidents occur on a daily basis in America. Federal and state laws on insurance cover are designed to offer relief for damages during such accidents. Auto insurance laws in Illinois make…

Pennsylvania law requires that every registered vehicle in the state be covered by auto insurance. The law also specifies certain types of coverage and sets minimum limits. But the so-called no fault…

In Arizona if your driver's license is suspended, you will be required to get SR22 insurance to reinstate your driver's license.

California vehicle owners are required to insure their vehicles to protect against loss caused by car accidents. In the event that you need to file a claim on your auto insurance, California laws help…

In order to have a vehicle inspected in New Orleans, you must have a current registration and license plates. You must also be able to show proof of active liability insurance. The cost for…

Auto insurance is an often overlooked cost of owning a vehicle as cars must be insured to be driven legally. The cost of car insurance ranges widely depending on various factors, including location,…

Insurance companies and laws are regulated mostly on a state-by-state basis. Laws can change from one place to another, and they might seem more convoluted for those who aren't familiar with reading…

Auto insurance protects you against damages that occur during traffic accidents as well as protect you against liability for an accident. Unless you have car insurance, you cannot drive it on the road…

The Insurance Motor Vehicle Act was promulgated in British Columbia in Canada with the intention of laying out regulations on auto insurance. This regulation vests total authority of all aspects…

As of 2010, 48 of the 50 United States require vehicle owners to have auto insurance. The only two states not requiring auto insurance are New Hampshire and Wisconsin, however, they do require…

Connecticut law spells out precisely what is required of motorists who live in the state. The state's auto insurance laws are designed to protect motorists from potential involvement in an accident…

Each state has certain laws and rules that pertain to car insurance, and they can be quite different depending on the state. Some of them involve required amounts of coverage for bodily injury…

Drivers purchase auto insurance for cars, trucks, trailers and other moving vehicles. The insurance protects you from any losses that could result from a collision, and covers you for liability in a…

An auto accident can be a very serious ordeal. You may be dealing with injuries, emotional trauma and a vehicle that can't be driven. You may have to take time off work, and fixing your vehicle on top…

Auto insurance is a policy you must purchase in order to drive a car. If you do not purchase the required auto insurance that the law in your state mandates, you face civil and criminal penalties up…

If you are having problems with an auto insurance company and reside in New Jersey, such as having coverage canceled without cause, rejected claims, refusal to pay claims or improper or unfair…

When you suffer an injury due to the negligent or intentional conduct of another person, you have a right to fair compensation for the injury. Part of the process for pursing compensation will be…

If you drive a car, you need to have a quality car insurance policy in place; simply buying the first policy you find is not enough. Carefully review your existing policy. If you find any gaps in your…

If you have been in an auto accident that has resulted in damage to your vehicle or injury to yourself, you will have to file a claim with an auto insurance company. After you file your claim, you…

Auto accident settlements usually involve an agreement between a claimant and an insurance company. The insurer may insure either an adverse driver or the claimant, depending on the type of claim.

Auto insurance for Texas residents is regulated by the Texas Department of Insurance. The State of Texas has mandated specific levels of auto insurance coverage each driver must carry. Minimum levels…

Suffering injuries in an auto accident becomes even worse when the other driver's auto insurance policy has coverage limits that do not fully compensate you for your injuries. However, your…

Your state's DMV may require you to obtain an SR22 to retain your driver's license after such occurrences as a DUI conviction, multiple speeding tickets or being at fault in a collision without having…

Every state requires auto owners to carry insurance coverage on their automobiles. However, each state has different requirements, and insurance carriers offer many different options and amenities…

You pay a premium to your insurer thinking it will cover you at a time of loss. Unfortunately, insurers might undervalue claims or dispute claims. To resolve these disputes and oversee insurance…

You have been involved in a car accident. This is the first time. You are in shock. You reach for your cell phone, wanting to call someone for help, but don't know who to call. You don't know what to…

In a modern day filled with cars, homes and many high-end products, consumers are needing more insurance. In purchasing an insurance policy, consumers pay a premium in exchange for coverage of…

Some states have enacted no-fault auto insurance laws in a effort to help control the cost of insurance. If you live in a no-fault state, it is important to understand the effects of no-fault…

You incur many expenses when you are involved in an auto accident. The insurance companies may be responsible for reimbursing you for those expenses. After the accident, be sure to contact your…

Losing a loved one in a car accident is a horrific experience. It's important to know your rights in such a situation. California has special auto insurance laws covering death and funeral benefits.

Auto insurance is absolutely necessary in Minnesota. Every driver in the state of Minnesota is required by law to hold at least the state minimum amount of auto insurance coverage in order to drive a…

Ohio insurance laws for teen drivers require the young drivers be in full compliance with all Ohio driving permit and licensure laws. In Ohio, teens can acquire a temporary permit at age 15 ½,…

All licensed drivers in Idaho are required by law to carry liability auto insurance for their vehicles. Drivers who fail to obtain insurance cannot legally drive in the state. While drivers have…

If you are involved in an auto accident with an insured vehicle and want to begin the claims process you need to get a police report. Even if no other autos are involved in the accident, you need to…

There are two parties involved in a typical insurance contract. The insured is the person or entity that is provided the protection, and the insurer provides the insurance coverage. A third party is…

The state of Michigan, as well as other states, has certain requirements in order to legally drive a vehicle. As a no-fault state, Michigan requires additional coverage in order to protect each person…

Each state has different requirements pertaining to automobile insurance. Automobile insurance is mandatory in the state of Kentucky in order to legally operate a vehicle. There are minimum…

By law, vehicles must be properly maintained in Texas. Regular auto inspections ensure that a driver is keeping his vehicle's maintenance current.

Insurance claims agents are responsible for interviewing individuals about property and bodily injury to settle claims. They also negotiate with body shops to repair damages on vehicles, and ensure…

PIP (personal injury protection) coverage is an added complement to auto insurance that increases an insured's ability to quickly pay for bills resulting from injuries received in an accident. Some…

According to InsWeb.com, insurance companies charge more for speeding infractions because of the inherent risk of those drivers. They theorize that speeders are more reckless and more likely to cause…

Some states require problem drivers, particularly those who've been cited for driving without insurance, to have proof of insurance on file with the Secretary of State, even if they no longer own a…

You can still recover damages from an auto accident in which you share some degree of negligence, or fault. Most states no longer use the old system of pure contributory negligence which did not…