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Auto Insurance
Question: What should I do if I just had an auto accident?
Answer:
You should inform your insurance company right away. Make sure you've gotten a copy of the police report and the other party's (or parties') insurance information. If possible, take pictures of all vehicles involved in the accident, to prevent the other parties from claiming damage to a vehicle that was not related to the accident. Remember, just because you inform your insurer of an accident doesn't mean you're making a claim.
Question: Do red vehicles cost more to insure than other vehicles?
Answer:
No. Your insurance company does not consider the color of your vehicle when calculating your insurance premium. Factors that insurers consider include your age, the kind of vehicle you drive, your claims history, in some states your credit history and your driving record.
Question: Which coverages pay for damages to my vehicle?
Answer:
Depending on what kind of damage your car suffers, one of your physical damage coverages comprehensive or collision insurance will pay for the damages. If your car is hit by a deer or other animal, stolen, catches on fire, or is vandalized, your comprehensive coverage will kick in. If you crash into something and crunch your car, your collision coverage will kick in.
Question: Do I need to purchase insurance before I buy a new car?
Answer:
If this is your first car, yes, you'll have to buy auto insurance before you drive your shiny new car off the dealer's lot. If you are financing the purchase, the lender will require that you buy a policy with comprehensive and collision coverages.If you have owned a vehicle and already have an auto insurance policy, that will generally cover your new automobile for a period of up to 30 days after you buy it. Once that 30-day period is up, you'll have to talk with your agent or company representative to insure that new vehicle.
Question: I've just been in an accident. How will the insurer issue the check to repair my car?
Answer:
It depends on whether or not you're in a first-party or third-party claim situation. In a first-party situation, when the claim is being paid by your insurer, the check will llikely be made out to you and the body shop. In a third-party situation, when the claim is being paid by the other driver's insurer, it's likely that the check will be made payable to you alone.
Question: What is an SR-22?
Answer:
An SR-22 is a form that shows that you have auto insurance. It is required by the state for drivers who are high risk. Here are some of the reasons a state might require you to file an SR-22 form - DUI (drunk driving)-Serious moving violations such as reckless driving - Racking up a lot of highway points in a short period of time - Being pegged as a habitual traffic offender - Causing an accident while uninsured.
Question: I just got a speeding ticket. How much will it affect my auto insurance premium?
Answer:
We cannot tell you whether your auto insurance premium will increase, or by how much. That's because some states have laws governing when and why auto insurers can change policyholders' premiums; often, insurers are not allowed to raise your rates after just one speeding ticket or other citation. So if it was your first ticket, you might not see any change in your rates.
Question: What can I do to protect myself against uninsured drivers?
Answer:
Purchasing uninsured/underinsured motorist (UM/UIM) coverage can protect you against uninsured drivers. In many states, UM coverage is required by law. UM coverage will pay for medical bills and pain and suffering if you are hit by an uninsured driver. In some states, UM property-damage coverage is available. If your car is crunched by an uninsured driver and you have UM property-damage coverage, you'll be able to get your car fixed under this coverage, rather than using your collision coverage.
Homeowner Insurance
Question: I have a dog that bit someone once. Will that affect my chances of getting homeowners insurance?
Answer:
While having a dog with a history of biting doesn't automatically disqualify you from getting a homeowners policy, it can make it more difficult and more expensive. You might end up having to get a policy that excludes coverage for anything your dog does.
Question: Do I need to buy flood insurance?
Answer:
If you want your belongings covered against damages caused by a flood, the answer is yes. Basic homeowners insurance policies do not cover damage from flooding. Because flood damage happens so infrequently, most insurance companies won't even consider writing flood coverage. The National Flood Insurance Program (NFIP) underwrites the overwhelming majority of flood policies in the United States. While most people should at least think about getting flood insurance, it is true that some people need it more than others.
Question: Will filing one claim on my homeowners insurance cause my rates to go up?
Answer:
No. In most cases, once an insurer reviews your loss history and finds none, one claim should not affect your rates. If the claim exposes some greater risk on your property, however, such as owning a trampoline or new swimming pool, then you may face a rate increase

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