In our last post we answered a few frequently asked questions that we receive from our customers. The more comments we received we decided that there were still a few questions that went unanswered. I'm going to tackle a few more common questions and hopefully clear up a few things for our valued customers!
Do I have to pay my insurance premium after my car is declared a total loss?
Yes, you are required to pay your insurance premium until the license plates have been returned to your cities department of motor vehicles. If you were involved in an accident where your plates were unable to be found/ removed it's important to go to your department of motor vehicles and file for a lost/stolen report. Once you do this, you will be able to terminate your insurance for that vehicle.
My best friend borrowed my car and got into a car accident. She doesn't have car insurance. What now?
No need to worry. Although your friend is uninsured, your insurance follows your vehicle as long as the person driving has reasonable/reliable permission from you to borrow the vehicle. HOWEVER, be sure to read your insurance policy before allowing a friend to drive your vehicle. Every company is different and it's important to know what will and will not be covered.
Will A red-light camera ticket affect my car insurance rates?
This is actually not up to the insurance company. States and cities vary about laws when it comes to traffic cameras. Some areas consider these tickets civil infractions which would not have a direct affect on your rates, however others do consider them to be traffic violations. Regardless of how your city views these violations it is extremely important to abide by traffic laws surrounding red lights. Running a red light could cause a serious accident.
I have car insurance, but why wont it cover my cracked windshield?
The coverage of your vehicle for non-accident related damage depends on your comprehensive coverage. This type of coverage protects you from having to pay for damage caused by weather, hitting wild life, and fires. Oftentimes comprehensive coverage will also cover damaged or cracked windshields, but it varies from policy to policy. If your policies comprehensive coverage does not cover your windshield there are companies that offer windshield insurance.
We love receiving your e-mails and look forward to answering more wonderful questions from our customers! Keep the questions coming!