Insurance For Car Non-Owners

by admin | Amounts, Coverage
In most cases insurance for cars goes with the vehicle and not the driver. The policy is written in the name of the car owner but the insurance applies to the car, for specified types of coverage of the driver and of the passengers, and of other people and property that might be involved in a claim for damages, whether for personal injury or for damage repairs.

The insurance policy is written to include specific drivers: usually the vehicle owner, principal driver and any family members.

So what if the driver were not specified on the policy? Perhaps a relative or friend borrowed the vehicle, either with your permission or without.

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In most cases insurance for cars goes with the vehicle and not the driver. The policy is written in the name of the car owner but the insurance applies to the car, for specified types of coverage of the driver and of the passengers, and of other people and property that might be involved [...]

Tags: Amounts, Coverage // 1 Comment »

Cheap Car Insurance Coverage Amount

by admin | Amounts
”I want cheap car insurance but how much coverage do I need to get?”

Most states require a minimum amount of liability coverage. But the legal requirement may not be enough. Collision and injury losses can cost more than the minimum coverage mandated. If you are held responsible for a collision and injury you may have to pay the difference if the costs are more than what the insurance covers. That could ruin you financially.

A common recommendation is that you have bodily injury liability protection of $100,000 per person and $300,000 per accident. This amount should cover most eventualities but keep in mind this is the maximum amount the insurance company will pay out.

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”I want cheap car insurance but how much coverage do I need to get?”
Most states require a minimum amount of liability coverage. But the legal requirement may not be enough. Collision and injury losses can cost more than the minimum coverage mandated. If you are held responsible for a collision and injury you may have [...]

Tags: Amounts // 2 Comments »