Dantes asked:


(California) I’m currently with Progressive and would like to switch to Wawanesa car insurance. However I have Progressive until July 08 and I have already paid my premium for this period. If I wanted to switch to Wawanesa immediately, would I forfeit my Progressive coverage or would the two companies negotiate the remainder of my term with Progressive. Any chance Progressive could refund the remainder of my term with them?

Thanks!

Billy2468 asked:


A car wrongfully hit mine in a parking lot. At the time, I didn’t have insurance so that automatically makes it my fault? Well, this happened in August of 2006 and their insurance company is trying to call me to get paid. What is the statute of limitations on this? Also they have my name spelled wrong, so can they really find me?

D H asked:


Progressive, GEIKO, and more don’t serve MA. WHY? I can’t find anyone who serves MA. Which car insurance is the cheapest and how do I get it. Thanks.

loveenpointe asked:


My friend drove and without car insurance in MA. And she ended up going through a stop sign, and totaled another car, what will happen?

cheshire_cat99 asked:


I am doing a essay on car insurance. I would be much appreciated if everyone could give me their input on it and how they feel about having to have it.
thank you so much for your help!

pamiekins asked:


I’m sixteen and seventh months, and plan on getting my license in about two months. But money is a little tight now at my house, and when my brother got his license on his sixteenth birthday (two years ago) the car insurance my parents pay for jumped an extra 1200 dollars a year.

So what can a teen do to lower the cost? IE; what type of car should I be driving, the best time to get my license, etc. I’m willing to hear any ideas.

Oh and if it means anything, my parents are with State Farm.

Thanks in advance for the help.

gameboi asked:


should I purchase insurance when renting a car from the rental company. I have my own car insurance for my car.

To further complicate matters, even if a loss is covered, the policy most likely includes a deductible as well as coverage limits. Depending on the nature of the loss, multiple insurance companies may be involved. For example, if a storm strikes and you have both wind and flood damage, you may have to file a claim with your homeowners insurance for the wind damage and another with the national flood insurance program (if you have flood insurance) for the water damage.

Depending on where you live, your deductible may be higher under certain circumstances. For example, in Florida, your deductible for hurricane damage is much higher than if your home was burglarized. So, will your insurance company pay or won’t they? Look at it this way, insurance companies DON’T want to pay. They are in business to generate profits and will need to be convinced BY YOU that the claim should be paid. The burden of proof lies on you, the homeowner. This means that you will need to prove your case and do it well. The better prepared and more organized you are, the better.

Start with documentation. You may need to take dozens of photos and provide your insurance agent with detailed estimates to counter against the insurance company’s original settlement offer. You may need to demand to see how the agent depreciated your property and negotiate a more reasonable method. While your homeowner’s insurance policy is a contract, the claims process does provide room for negotiations with auto insurance company (more information on best negotiation tactics in How to Contact with Auto Insurance Company? article).

Your best bet is to be prepared for a fight. Your tools in this battle include a detailed home inventory, digital photos and video documenting the damage, estimates from local contractors, and a willingness to demand a better offer. You don’t have to do this alone. In fact, many contractors are willing to be present during the insurance adjuster’s visit to help point out damage that the adjuster might have otherwise ignored. In addition, public insurance adjusters act as advocates for the homeowner and work on your behalf to negotiate a higher settlement offer.

Arm yourself with knowledge, documentation, and real-world estimates while also considering professional representation and you’ll be better equipped to answer the question, “Will they pay for it?”



By: Car Insurance Expert

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morey661 asked:


I just bought SR-22 liability car insurance yesterday for $165 which covers the first month. It was needed in order for me to get my license reinstated after a DUI. So i go to the DMV with my proof of insurance hoping to get my license back but find that my license is suspended still(for another 3 months). So now i have no use for the insurance that i just bought. Will i be able to get my money back?

$$[CodeBlack]$$ asked:


Im turning 16 and im gonna be getting my license soon so i was wondering how old i would have to be to own car insurance papers for myself instead of my mom or someone adding me on theirs? Whats the cheapest car insurance?