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How does auto insurance work?

I was in an accident that was my fault. I called my auto insurance company the same day to file a claim and report what happened. A few days later they call me asking for a statement, which they said was to determine liability. I told them I had already said everything that happened and asked if they could just get the police report. They said that getting the police report would take to long and they needed me to answer some questions. Did I have to answer their questions at this point? Or should I just have told them to get the police report? Also, the guy who I hit has a lawyer. Is that normal? Can he sue me or my insurance company for more damages? Finally, this happened in a fault state"

   








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How to find a car that will have cheap insurance?
Hey! Im an 18 year old guy thats about to start driving , and as always the case - insurance is a KILLER. Im going to get a used car and i honestly don't care about the looks aslong as it functions fine! Just wondering what i can look for that will minimise insurance price? Small engine , age etc? Thanks :)"


Renault Clio insurance 17 year old male?
I am 17 Years old and wanting to insure a renault clio expression (2001) have you got one? where can i find the cheapest quote? which companies?


"How much would Workers Comp, Liability, and auto insurance be for my small business?"
Hello, i am in the process of starting a new business and i wanted to know how much it would cost per month to have auto insurance (for one old truck to transport employees to mow lawns, only driving within one city). Workers comp, and liability. We will make about 80,000 a year total just two or three guys (im one of them) working."


Are there life insurance policies for seniour citizens?
Are there life insurance policies for seniour citizens?


Help on insurance?
does anybody know were i can find an affordable full coverage insurance in Los Angeles? its for an Escalade.


Which insurance is cheaper for a motorcycle or a car?
Ok parents are starting to make me pay insurance now. I have an 1995 Accura Integra but I would like to have decelntly fast bike. Anything over 250 cc


CAR ACCIDENT INSURANCE QUESTION- Canada- Who's Responsible?
Last night I was at a convenience store parked (private property) and a young idiot backed into my car! Im not going to go on about how he jumped out and almost attacked me even!! But long story short we traded insurance info and today I got 3 quotes. So I called him to say I have the cheapest quote for the damage ($1000-$2100 they range from). I said he can pay $1000.00 then cause he told me last night he would. Well today he is claiming HE NEVER HIT ME!! The car full of teenagers he was with, and his mother who showed up to help him last night are denying it too cause he doesn't want to pay. (The owner of the store did not witness it happen but ran out when he heard me hoking and saw the boys car smashed into mine after the fact. And saw him yelling and freaking. Which might help?) So I haven't heard back from my Insurance yet but I just want to ask SOMEBODY PLEASE WHO MIGHT KNOW. Wont the insurance pay for it? His insurance or mine? What is the laws of private property?"


What is the cheapest auto insurance companies?
What is the cheapest auto insurance companies?


What aspects of insuring a car make it cheaper?
I'm new to insuring a car, i haven't bought a car and i'm open to ideas. I know i'm looking for a small engine around 1.0 litre but what else helps to keep the insurance as low as possible? And i've heard Ford KA's are one of the cheapest cars to insure? Any help and advice you give me about what to look for and insurance would be very appreciated Thanks, Drew :)"


Why do I have to buy back my own vehicle if it's totaled?
My husband was recently in a not-at-fault accident. We are waiting for the other driver's insurance company to come and look at our vehicle. We have gotten a private estimate and are worried that the insurance company will want to total the vehicle since it is a 1992 Jeep Cherokee. What happens when a vehicle is totaled? Our Jeep was in good condition and I don't want to get rid of it. We just want it fixed. We've heard that we will have to buy it back"" from the insurance company. Why is this? It's mine. Why should I have to buy it back. I have the title. Pay me for the damage. Please help explain this to me. Thanks."""


Do you cover towing an automobile?
If I had to have my automobile towed, do you have any insurance to cover that?"


Geico Car Insurance Down Payment?
Im looking at car Insurances and was wondering if Geico makes you pay a down payment when you first start off? I know you have to pay the first months payment but what about a down payment? Do you remember paying a down payment?


What is the best and cheap health insurance?
I came form a different country so i dont have any insurance when i came to california. What is the best that i dont have to pay anything when emergency and cheap like $30 per month.


How Much do you think my car insurance will go up on a new car ?
my parents are paying for the car but I have to cover the insurance.....I had to get a new one my other car kept messing up all the time and it wasn't work putting more money into and with used cars you nerver know what you get...that was the case with the 2002


How much would motorcycle insurance cost for a 15 year boy in the state of Wyoming?
How much would motorcycle insurance cost for a 15 year boy in the state of Wyoming?


How does auto insurance work?
I was in an accident that was my fault. I called my auto insurance company the same day to file a claim and report what happened. A few days later they call me asking for a statement, which they said was to determine liability. I told them I had already said everything that happened and asked if they could just get the police report. They said that getting the police report would take to long and they needed me to answer some questions. Did I have to answer their questions at this point? Or should I just have told them to get the police report? Also, the guy who I hit has a lawyer. Is that normal? Can he sue me or my insurance company for more damages? Finally, this happened in a fault state"


How much does it cost to put my name in car insurance?
I'm 18, have a license but my name is not in my mom's car insurance. How much is it gonna have to cost for my name tk be under my car's insurance? I live in california btw."


Are insurance agencies notified if you don't get a ticket?
i got pulled over but the cop gave me a break. he checked my license and registration in his computer but gave no ticket. will my insurance find out about this or am i safe for now? i have liberty mutual and live in maryland. im a new driver so im really worried my rates will go up even higher


How much does the average contact lenses cost with insurance??
i want to know how much EXTRA would it be if i bought COLORED contacts with prescription also....thanks..


Life Insurance?
Is life insurance under rated? If so explain why?


What is the process of getting birth control from Planned Parenthood? Can you lie about being insured?
I am insured. To protect myself from my parents I do not want my birth control to go on their insurance. I am moving in with my fiance in a few months and need birth control. Can I say I am not insured and just bite the payment bullet and get birth control? Also, what is the process you go through to get birth control from a place like planned parenthood"


Health insurance and medical abortion?
so i just took a pregnancy test today im 18 and pregnant. i cant sleep i cant eat im a mess. i need to terminate this pregnancy asap so i can get on with my life. i called my health insurance HealthNet, and they DO cover the medical abortion (abortion pill) thats not plan B. its the abortion by medication. they also said i need to find an obgyn to approve it or something then its all covered. so i called one and they said i have to pay 750 dollars!!!! even if they do cover it i still have to pay that! im in california btw, and i dont even have 100 dollars. could i go to a hospital that covers me and get it for free? or for atleast 100$? at most? or do i have to go to plan parenthood at spend the 350."


How much should i plan on spending on my car insurance for a 3rd offense DWI? Please refrain from ridicule...?
I know i will have to get an Interlock device which ranges from $50-$100 a month. i am wondering how much I will be paying monthly for car insurance. Liability only. And if anyone happens to know, what company do you think will offer the best pricing? Thank you for your understanding..."


How much would insurance cost for a mini moto?
How much would insurance cost for a mini moto?


What is the best insurance policy for a child age 6.5 year?
What is the best insurance policy for a child age 6.5 year?


Can i have two different Auto Insurance policies?
Both cars are in my name but i just bought a new one and i can get cheaper insurance with that car. My other car is insured by progressive and it is outrageous! I had an accident 3 years ago. But i would like to finish out that policy sense i already paid for it.I want to insure the other car with a different company. Is this Legal.


How much would my motorcycle insurance cost?
i might be purchasing a 1999 honda cbr 600s4. i have no riding experience. i live in NJ. i am 22 years old. i have 4 points on my license (from careless driving tickets), besides that, a clean driving record. any sort of educated guess would be much appreciated."


I don't have health insurance. What can I do?
I've been getting sick on and off again during this semester at college. Usually when I get ill my body builds immunity and I won't get sick again until the following year. Its something to do with my throat. My tongue feels swollen and my throat is so small I can barely swallow anything. I know I need to go to the doctor but my retired father took us off health insurance a year ago since it was getting too expensive. He's supposed to be getting on disability but as you all know that takes awhile and I'm sick now. Do I have anymore options guys?


How long after you let the lender know of a voluntary ..repo and the car has no plates and insurance should it be picked up?
How long after you let the lender know of a voluntary repo and the car has no plates and insurance should it be picked up?


"Car accident, other driver totaled my car. Will their insurance cover my replacement?"
I was in an accident yesterday, the other driver T-boned my car while making a left turn on yield. She told the officer and us she didn't see me. My car is totaled, her car just looks like it has front end damage. Every passenger in my car, including myself had to go to the ER to get checked out. I did not have collision coverage on my insurance. Does anyone know if she has collision coverage, will her insurance pay for my replacement? Her car looks fairly new, I would almost assume she would have full coverage, but I am not certain. Would they just use the value of my existing car for replacement?? I'm waiting to receive the police report, but just wondering if anyone has been through this type of scenario and can give some insight."


Cost of insurance for a 20yr old?
I'd like to buy a Toyota Yaris or a similar kind of car which is in a low insurance category. How much would you estimate that the insurance would be they? This would be my first car although I passed my test 3years ago and have been on my parents insurance since! Thankyou.


How does auto insurance work?
I was in an accident that was my fault. I called my auto insurance company the same day to file a claim and report what happened. A few days later they call me asking for a statement, which they said was to determine liability. I told them I had already said everything that happened and asked if they could just get the police report. They said that getting the police report would take to long and they needed me to answer some questions. Did I have to answer their questions at this point? Or should I just have told them to get the police report? Also, the guy who I hit has a lawyer. Is that normal? Can he sue me or my insurance company for more damages? Finally, this happened in a fault state"


Why can't I seem to motivate myself to sell insurance?
I currently am an agent for Family Heritage Life and I am only in my first month. I have always been an extremely motivated person but this job is turning out to be something I do not enjoy. I understand that it takes hard work to become good at B2B sales but I seem to do more thinking than actually working....I am an avid fitness geek since losing 60lbs last year so I know I have self motivation but I cant seem to find that motivation for this job. It is 100% commission based so maybe that's it. I am a recent college grad with a bachelor's in business and have been contacted recently by other employers offering interviews for solid salaried jobs, this may be a factor as well. All I know for sure is that I've always worked on an hourly or salary based pay and now that I'm on commission my drive to work has severly dropped. Maybe I answered my own question but either way if you can offer any advice or shared experiences it would be greatly appreciated. Thank you!"


Debt collection: car accident with no insurance?
So, I was in a car accident recently, and, at the time, I did not have auto insurance. I went to my mandatory court date and presented proof that I now have auto insurance, and I was let off the hook with only court fines. However, a collection agency is now calling me, demanding that I pay $6,000 for damages done to the other vehicle (which was insured by Allstate). What do I do?"


Would insurance on a 1992 lexus sc 300 be expensive? im 18 year old in riverside california?
yes i recently just got my license and im only 18 in riverside california


Does vehicle modifications raise insurance?
Things like new Wheels, body kits, engine swaps and etc. Would modifications raise insurance?"


Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?
Is there some affordable health insurance plan in the U.S. that doesnt have a huge deductible?


What can I do when a cap on my tooth is breaking away and I cannot afford insurance and not enough money?
What can I do when a cap on my tooth is breaking away and I cannot afford insurance and not enough money?


Is this standard auto insurance practice or should we fight this?
About 3 months ago, my Fiancee came out to a 3in crack in the windshield of her brand ne 2012 Nissan Versa. Going from the very left of the windshield (driver side) outward to the center of the windshield. A rock didn't hit it, she wasn't parked near a tree or anything and we had driven it less than 12 hours prior and there was NOTHING there. We called USAA and made a claim and they told us to go to the local Safelight Auto Glass and they'll take care of us. Keep in mind, this was a LINE CRACK and NOT A CHIP OR A NICK. They proceeded to fill it in with resin and sent us on our way. As I knew it would, it spread. We called USAA again and they basically told us that they got it initially fixed and now it'll be our responsibility to pay out of pocket. Now, the the crack is about 15-16in long. Should the insurance company pay this? They attempted to fix it but didn't. What's the policy on this?"


"I work in the healthcare field, but my employer doesn't offer health insurance? why?"
it is a small chiropractic clinic with 2 doctors and 4 employees. is it up to the owner/doctor if they offer health insurance to their employees, and why wouldn't they offer it? is it expensive for them??? any info on this would be great"


"Out of these cars, which one will have the cheapest insurance?"
Uhhh basic stuff, sedans. Just give me your best guess, and no BS."


Where is a good and cheap place to get sr22 insurance?
Where is a good and cheap place to get sr22 insurance?


Home Ownwers insurance? Who is cheap?
What company that may not be well known can provide cheap home owners insurance? A link would be appreciated. This will be for the purchase of a existing home buy, which may close this week. Thanks in advance to all responders!"


Replacement Cost Insurance vs Regular Insurance?
WHich is better I live in a area where home owner's insurance is increasing and I'm trying to get the lowest premium possible within reasonable coverage limits. I know replacement insurance is good but what is not so good about not having replacement costs.


Which is the best Insurance company to invest in?
I'm doing a school project to present a stock and really don't know that much about them. I have to do my project on insurance companies either buying it or selling it short. I know that if there was a a good answer to my question then everyone would be investing in the company. Are there any insurance companies that plan on doing something that could potentially raise stock (merging with another company, changing CEO, paying a very large sum)? Also what should be some good indications that the stock is worth investing in? Thank you in advance!"


Can you still get bundle insurance with a DWI?
I just like to know if it is possible to get a bundle insurance and the discount with a DWI? My family has a bundle policy for both car and house. Recently, my auto insurance was dropped and the house insurance is going to double, (if I choose to renew the policy) because my license was suspended with a DWI couple months ago. I have to file an SR22, so I know that my car insurance will raise for sure, but when I asked my agent if he can find me a cheaper bundle insurance with another company, he said he can't because a DWI is showing that I am a risky person in the house, so I cannot get a bundle insurance or a cheaper price on the house insurance. I don't know much about insurance, but it sounds ridiculous to me...I checked some websites, it shows that it is possible to get a bundle insurance and discount with a DWI, but since my agent told me I can't, I'm confused now. So, I'm wondering, can I get bundle insurance with a DWI or its just my agent is being an a*s? Thanks."


Why is my car insurance so expensive? Am I getting ripped off?
I'm also on a conjoined plan with my mom. They said it would be even more if I had insurance separately. My car isnt a sport's car either, it's a 98 ford explorer."


How does auto insurance work?
I was in an accident that was my fault. I called my auto insurance company the same day to file a claim and report what happened. A few days later they call me asking for a statement, which they said was to determine liability. I told them I had already said everything that happened and asked if they could just get the police report. They said that getting the police report would take to long and they needed me to answer some questions. Did I have to answer their questions at this point? Or should I just have told them to get the police report? Also, the guy who I hit has a lawyer. Is that normal? Can he sue me or my insurance company for more damages? Finally, this happened in a fault state"