Non Owners Auto Insurance

Frequently Asked Questions

1. QUESTION:
   How much does non-owners auto insurance cost on average?
   I would like to know the average cost per month

   • ANSWER:

2. QUESTION:
   If you have non-owners auto insurance but then buy a car, can the insurance be transferred over to the car?

   • ANSWER:
     It depends on your insurance company, but I would say 99.99% "yes".

     Think of it like this... if you have renters insurance on your apartment, and then buy a house, you can normally transfer your coverage from "renter's" to "owner's" insurance with the same company... and you may get a discount from what you pay now... depending on your policy coverage / limits and the vehicle you purchase... Typically, non-owner's insurance costs as much as a teenager's comprehensive insurance on a sports car... if you purchase a "normal" sedan, truck, or SUV and have a good driving record, your rates will typically be lower than what you are paying now.

3. QUESTION:
   what is the price of non owners auto insurance for someone 18?

   • ANSWER:

4. QUESTION:
   Where Do I Find Quotes For Non-Owners Auto Insurance?
   I Need It Cheap, Fast, And In Denver,CO.!!!!!!!!!!!!

   • ANSWER:
     www.progressive.com You can do this right on the website 24 hrs a day, BUT & this is a HUGE BUT, if you have regular access to a vehicle (owned by someone in your household or your significant other's vehicle) whether you drive it or not, you will not be eligible for a nonowners policy with Progressive. If this is the case, you may have to go to your State's assigned risk pool - it may be possible to get it there. If you are not sure, call an independent agent.
     Just so you know, it may very well be CHEAPER to insure a vehicle with liability only than to purchase a nonowners policy. At least that has been my experience.

5. QUESTION:
   I heard about this non-owners auto insurance, what exactly is it?

   • ANSWER:

6. QUESTION:
   What insurance companies provide non-owner auto insurance in Ohio?
   looking to insure myself for car insurance in columbus ohio but I dont own a car.
   I'm looking to get insurance on myself because I'm always driving friends cars as well as renting cars..I'm 23 years old...parents are not an option.
   And I did google it and didnt find any definite answers. I also tried doing online quotes but none of the insurance companies have options for non owner car insurance quotes...which is why i asked the question.

   • ANSWER:
     Simply call around or google and tell them you are looking for a "Non owners" policy. many companies sell them

7. QUESTION:
   auto non owners insurance in corpus christi,texas?

   • ANSWER:
     Don't understand your ?

8. QUESTION:
   Where can I buy a Non Owner Auto Insurance Policy online in NY?

   • ANSWER:
     I don't think you'll be able to buy this policy online at all.

     The application is going to have to be submitted to the state assigned risk pool, and they're pretty fussy about paper applications, not electronic ones. You're going to need to visit an agent.

     Sorry.

9. QUESTION:
   non-owner auto insurance provider in Canada?
   Does anyone know a good source for non-owner liability and collision insurance in Canada? Basically this covers a driver for rental cars as well as while driving someone else's car. I know that you can purchase it as an add-on to existing auto insurance, but is it possible to get if you do not own a car? Thanks

   • ANSWER:
     The agency that rents you a car should be able to provide you with an insurance policy.

     If you want to buy an independant insurace, it will depend on where in canada you are. Some provinces have government insurance (British Columbia - I.C.B.C. for example) and some have private insurance (Alberta - Co-operaters insurance for example)

     You might also be able to arrange it through a travel agency, or CAA.

10. QUESTION:
    Does anyone know anything about non owners insurance for the state of Missouri?
    I need auto insurance

    • ANSWER:
      It only covers you, when you use a vehicle not owned by you, or any of your household members; and the vehicle must not be available to you for regular use.

      Agents don't like to sell this, for two reasons: 1. it's a pain to write, as pretty much you have to go through the state auto fund of whatever state you're in, and you don't make nearly enough money to cover your costs in writing it and 2. most of the time, people are buying it for the wrong reasons, thinking that it's going to get them out of paying more money to insure them the right way - in other words, claims get DENIED, because people are driving regular use or household member vehicles without being listed.

      In any case, you'll have to talk to a local agent about this. Don't try "do it yourself" insurance. If you're not an agent, you're probably misunderstanding something.

11. QUESTION:
    Can a non-car-owner buy auto insurance to drive any car (rental or friend's)? How does one obtain it?

    • ANSWER:
      The type of policy you are looking for is called a "Named Operator Only" policy, they can be more expensive to purchase but it will allow you to rent a car, now this type of policy is for liability only, you would still need to get the damage waiver from the rental company if you rented. When you are given permission to drive another person's car their insurance should cover the vehicle in the event of any liability mishap while you are driving.

12. QUESTION:
    I often drive a friend's car. What companies offer "Non-car owner" auto insurance?
    Everywhere i look online just offer "get a quote" then you have to enter a type of car. I don't own a car but I need insurance to take my driver's test in North Carolina. I couldn't find this type of insurance offered on any websites.

    • ANSWER:
      You are looking for a nonowner policy. This however, will NOT cover you for a vehicle you drive on a regular basis (your friend's vehicle you drive "often"). Insurance follows vehicles, not drivers so any vehicle that is insured (& the ID card & registration are in the glove compartment) will be fine to take the driving test with. If you are taking it in your friend's car, be sure he or she is with you when you go. If you will be a regular driver of the car (Progressive says if you drive it more than 12 times per year), you will need to be added as a driver to that policy, even if you are not in the same household.

13. QUESTION:
    I need SR-22 auto -insurance, for non-owner. Can you help me find a company that can do this for me?

    • ANSWER:
      All insurance companies offer it (They have to by law). Its called Non-Owner SR-22 Insurance. Try Progressive, GEICO, State Farm, and Allstate first. If their prices are too high, here is one I found online. Just type Non owner sr-22 insurance in your search bar. Good Luck.

      http://www.anconainsurance.com/Non-Owner_Auto_Insurance_SR22.htm

14. QUESTION:
    which auto insurance company offers non-owner's insurance?

    • ANSWER:
      Insurance cost depends on a LOT of factors,

      it depends on where you live, how much coverage you are going to want, who else is in the household, and the credit score of the owner Just get onto an insurance site, enter your info and the car (it is enough to enter the year, make and model), see what pricing you get.. You can opt out just for minimum liability coverage, no collision or comprehensive, that is if you are willing to forgo the money you invested in the car if you total it and don't care if you are sued in case of serious accident.

15. QUESTION:
    AZ state minimum auto insurance coverage (non-licensed driver)?
    If a non-licensed person is driving someone's car will the insurance company cover the accident even though the driver (non-owner) had a suspended license?

    • ANSWER:
      They might, if the owner reported it stolen. If the owner allowed a non licensed driver to drive their car they totally screwed themselves as far as the insurance goes.

16. QUESTION:
    Travel insurance coverage that includes full rental car insurance? Why pay for rental car insurance?
    I travel often but have never bought travel insurance. I always rent cars and buy the full insurance coverage from the rental. I don't own a car or any auto insurance. I am somewhat familar with non-owner insurance options and the claimed coverage from the credit card companies. But why buy two insurance coverage when one can pay for both?

    Do you know of travel insurance coverage that includes rental car insurance?

    • ANSWER:
      You can't get Liability coverage. You have to get it from the rental car agency.

      You can get a CDW if you live in the US or Canada. You have 2 choices:

      1) You can get a trip cancellation plan that includes a CDW. Most plans exclude OR, NY and TX residents.You have to be taking a trip with fixed travel dates

      2) You can get a stand alone CDW if you live in the US or Canada except Washington State.

      I hope this helps,

      Steve

17. QUESTION:
    Auto Insurance Question...?
    I bought a BMW with my girlfriend. We are both on the loan for the vehicle. I was wondering if since I have a bad driving record if we could only insure it under her name. We are both registered owners. Am I able to get full insurance under her name and I get Non-Owner Insurance? What if I were to have her fully insure it but then I get another insurance policy out on the vehicle with liability only?

    • ANSWER:
      You do know something about insurance or you have a good agent.

      You can be excluded from her policy so her company will not cover you if you drive. You can get your own separate policy for just liability and that's fine. It's not a non-owned policy, just a named owned policy since you own the car. That's fine.

      Only one problem, is your policy will not cover you if you crash the car since it will be liability only. But if you want to do that neither company will have a problem with it. It's not the best situation but it is legal and doable.

      Licensed Insurance Agent who has done that for my customers.

18. QUESTION:
    Auto insurance for international visitor?
    I will be travelling to West coast USA this summer for two months and i am very much hoping to rent a car. The only problem with this is my age. I am under 21, and while i have managed to find plenty of companies willing to rent to me, they all require that i provide my own liability insurance. The CDW (collision damage waiver) is not an issue since this is covered by my credit card company.

    My home auto-insurance in the UK does not extend Liability over driving a) rental cars or b) the USA.

    I understand it is possible to buy either just personal liability insurance or a "non-owners" car insurance policy. The problem with both of these is that i don't have an address in the USA. Is there any way i can still obtain insurance?

    • ANSWER:
      Sure - Progressive will insure ANYTHING for a price - but you will normally have to have a six month policy with them or cancel early (which could cost you more in the long run.)

      You might want to contact a broker in CA for their particular rules and requirements.

      Someone from the Oasis Insurance agencies or perhaps call 909-980-0038 and ask for Sharron. She is knowledgeable in the subject and should be able to assist.

      Good luck and have a good trip!

19. QUESTION:
    My 18yr is a non policy holder on Auto Insurance, a claim was paid to the car owner. can i be sued for deducti?

    • ANSWER:
      yes, or at least responsible for it.

20. QUESTION:
    Is it better to have a lapse in auto insurance or pay for it when I don't have a car?
    My husband & I are moving overseas for a few years due to a military move. We sold our cars & when I called my insurance company to cancel our policies, they said I should sign up for a new policy even though I don't have a car (that way when we come back, we won't have a lapse and therefore increased rates). The policy wasn't cheap probably about 60% of my insurance now (although it was pretty low). My question is, is it better to pay for this non-car owner insurance for three years, or just deal with rate increases when we get back (how much are these usually?)?

    Thanks

    • ANSWER:
      If you are military, contact USAA to discuss your situation. They are set up to deal with military members, and can easily provide you coverage even if you have a period of time when you are deployed and do not have a vehicle.

      Thank you and your family for your service and sacrifices

21. QUESTION:
    I'll ask the insurance company in the morning but who do you think should pay?
    My Dad [God bless him] was trying to plow the snow off the driveway and backed my tractor through my barn doors and hit my Shelby Mustang that I park in there so it wont get screwed in the snow by some non driving dip stick. So Should my Home owners insurance or my Auto insurance cover it. You think his auto insurance will cover it? Do you let your dad help around the farm? FML.

    • ANSWER:
      YOUR auto insurance will cover it. Your homeowners doesn't cover auto accidents, and your father's auto insurance won't cover because he was driving a tractor, not his auto. If your barn was damaged, your homeowners will cover that

22. QUESTION:
    Cheap car insurance for a non owner vehicle college student?
    I'm about to start college this fall and I won't have a car with my on campus. I won't need a car on campus until my Junior year when I have to start internships.
    This January my parents want to kick my off their auto insurance cause my rates are pretty high I have 6 points on my record (but 2 of them will be dropped in March). I'm looking for cheap auto insurance for a college student who doesn't own a car. I will need the auto insurance for when I'm back visiting family i can use the family car my parents bought for my brothers and I.

    • ANSWER:
      With all due respect, this gets asked many times every day and there's no answer to it... however it isn't all doom and gloom...

      Try getting a quote online or from a local broker. I am paying less than ½ of what I was paying before.

23. QUESTION:
    I need Auto Insurance?
    I'm in a dilemma! I need auto insurance to get my drivers license back but I don't own a car. I need a non-owners policy but I can't get coverage because theirs a car in the household. how can I get a policy?

    • ANSWER:

24. QUESTION:
    for those of you who dont have auto insurance?
    why not??? are you not worried? i understand if you genuinely cannot afford it, but really you wont be able to afford what will happen if you get caught or get into an accident!

    i'm an insurance agent and it KILLS me how many people call in and have never had insurance or havent for years, months, whatever.

    BTW even if you do not have your own car, if you ever drive at all you are supposed to have insurance. it's the law. it's called a non-owners policy and it's very cheap for most people. and if you are driving a friend's car and they have insurance and you dont, and you get into an accident the other person can go after both you and the owner seperately and you'll have no protection.

    • ANSWER:
      welcome to los angeles ! most people figure its only a problem if you can catch them after they hit you !

25. QUESTION:
    Bodily Injury on Auto Insurance--Exactly how does that work?
    My fiance totaled my car a few weeks ago. He has a non-owners policy on his license, but they said I had to see what my insurance company may do first. They said that because he got injured in the accident in my car (broken arm & ankle), that the bodily injury part of my insurance would cover that. My limit per accident is ,000. There was no other car involved, it was a tree he slid into after a snow storm. I'm having a hard time getting a straight answer from my insurance provider. All they've told me is to have him fax his medical bills over & gave me a fax number. How does that work? Will they issue a check for the ,000 to him? Are they just wanting the bills as proof he was injured? Or will they want to only pay the amount of the bills? And will they want to submit payment to the hospital & doctor's offices? The thing is, he already has good health insurance, that pays for all of his doctor's visits, etc. But I've heard that there's still the "pain & suffering". We're wondering if they'll be sending him a check or how that works. They never asked if he had any health insurance. I'm wondering if they were to find out, would they decide to not pay? They already said it would be covered (this is after the "investigation"). It's been me leaving them voicemails & them leaving me voicemails, so I'm having a hard time getting a straight answer. I'm hoping someone can tell me how this will work. Thank you, ahead of time!

    • ANSWER:
      Insurance follows the car - not the driver. So insurance on the car comes first. If the coverage provided by your policy is not enough to handle the claim then his policy comes in next. It picks up where yours ran out.

      That means, your collision pays for the damage to your vehicle (less your deductible). If you did not have collision coverage on your policy and he does have collision coverage on his policy, then his policy may cover the damage to your car (as a substitute auto - depends on the language in his policy).

      As far as your boyfriends injury claim goes:

      He was driving the car.
      He lost control of the car and hit a tree.
      He is at fault for his injury.

      If he was going to go to court and sue someone for his injury - he has to sue himself. His negligence (failing to control the car, driving too fast for conditions) caused his injury.

      However, you can't sue your self.

      That means he can NOT make a claim against the bodily injury liability coverage of your policy. He can not make a claim against any bodily injury liability coverge provided by his policy.
      He is NOT entitled to pain and suffering because he caused his pain and suffering.

      The only coverage he would have access to is Medical Payments coverage. This is a coverage that pays for dr bills up to the per person limit regardless of fault. So it does not matter that he was at fault, he can still make a med pay claim.

      It sounds like you have a Med Pay limit of 00 per person. That means, the insurance company can process medical bills incurred as a result of the accident up to 00. Once they have paid out the 00 they can not pay any more.

      Whether they make the check out to him or to the medical provider depends on your company. Some make it out to the injured party and let the injured party pay the bills and some companies make it out to the medical provider. I have no way of knowing how your company does it.

      Now....if your boyfriend has more than 00 in medical bills, once he has used up the 00 provided by your policy he can contact his insurance company. IF he has Medical Payments coverage on his policy, that coverage will pick up where yours left off and pay the remaining bills up to the per person limit.

      Medical Payments coverage does not pay for lost wages or pain and suffering. It helps with medical bills incurred as a result of the accident. The bills are processed according to the terms of your policy.

26. QUESTION:
    illegals cause Oklahoma auto insurance to be 3rd highest in nation how does this make you feel???
    Because of illegals driving autos that are not insured and or not registered...stolen, loaned by the legit owner... YOUR OKLAHOMA AUTO INSURANCE IS TWO TO THREE TIMES HIGHER than it should be... In Arizona Americans are loosing their lives and Obama wants to sue Arizona over their attempting to inforce the federal law... OBAMA is causing the death rate of Americans to increase and the insurance rates to be unnecessarily high too.TEXAS IS BEING EFFECTED BY ILLEGAL... GUNFIRE... SOMEONE IN LEGISLATURE MUST DO SOMETHING LEGAL IMMEDIATELY... This is absolutely wrong... Americans everywhere stand up against this non-action on the part of the federal government...
    call AAA and let them tell you why oklahoma insurance is so high... much higher than NY!!!!!!!!!!!!! 1 out of 3 to 4 drivers in oklahoma are illegal...

    • ANSWER:
      Not sure how it makes me feel but it does make me wonder how they are getting licenses and (since I assume there are stats to back up what you say), since they are getting caught without licenses, why they are not spending a decade in jail with the other criminals then deported to their home country. Oh, I forgot! If a state enforces the law, Eric Holder and his Dept of Corruption will sue them.

27. QUESTION:
    Auto Insurance - which person is responsible?
    I was the driver in my friends car. She was sitting by my side (usually I am the driver, she the passenger). We backed into a pole. When that happened, she said if there is any damage your insurance company has to pay, I said, since it was her car and she gave me permission to drive it, her insurance would be responsible first, before my insurance.

    It ended up a non-issue since there wasn't any damage.

    But if there was, who's insurance company would be first repsonsible, the car owners or the drivers? thx.
    from the answers so far, are we saying that the car owner's insurance coverage (both collision and liability) kicks in first no matter what. So, hypothetically, if I was the driver, driving her car and I ran over someone's foot, her auto insurance would kick in before my auto insurance? thx again.

    • ANSWER:
      Her insurance would pay, always. If the damage was severe enough, they might then sue you and your company, for payment under your liability policy, but your collision or comprehensive policies are NEVER first pay on damage to a borrowed or rented car.

28. QUESTION:
    Rental car insurance if you don't own a car, renting over 15 days in california?
    I don't own a car so I don't have auto insurance. Visa and Mastercard only seem to cover Collision/Loss Damage Waiver for 15 days. AmEx seems to offer this coverage for 30 days (but I don't have an AmEx card). None of these cards cover liability. Is there a better way to get coverage than buying from the rental car company? Does a homeowner insurance policy cover liability if you damage something or injure someone with a rental car? The Non-owner policies one can buy only cover liability and not LDW/CDW? Any help sorting this out would be appreciated. Please don't reply if you are not knowledgeable on this topic. Thanks.

    • ANSWER:
      Nope, your best bet is to buy the liability coverage from the rental car company, in addition to the physical damage.

      Homeowners specifically DOES NOT cover any kind of auto claim. It's excluded.

      Sometimes, in some states, you can get a named nonowner that will cover rented car physical damage. It's absolutely, definately a coverage offered on the business auto version of the named nonowner policy.

      Bottom line - although there is a named nonowner policy, it's darned hard to find someone willing to write it for you - from a hassle point of view, the rental company insurance is MUCH easier.

29. QUESTION:
    what are your rights if a person's car hits you and they don't have auto insurance?
    This was a non-reportable vehicle accident. The person's car who hit mine was a manual and somehow came down the hill and hit my car. No one was in that person's car. But it rolled down and hit my car. I went to a dealer to get an estimate and it was about 5. I have car insurance, but the other guy doesn't. I have full coverage, but my deductible is 00. What are my options? The owner of that car who hit me said that he is a mechanic and can fix my car. What should I do? Should I allow him or should I ask for his certification/license? I don't know if I can trust them either. I would rather have someone else fix it. Or should I just ask him to pay for the accident since he doesn't have car insurance? Is there a way where I don't have to pay anything? Any information what so ever will help out so much. Please give as much feed back as possible. I'm really looking for some possible answers.

    • ANSWER:
      1) Just report it to your insurance. Policy carry a Uninsured Deductible Waiver coverage (hopefully you have it). They can waive your deduct, repair you car and they do the leg work on approaching this other person or their insurance.

      2) It is your option of where you want the vehicle repaired, go with someone you trust.

30. QUESTION:
    Sued for Auto Accident Above Insurance Limit in NJ?
    One year ago my wife was taking our daughter to pre-school turning left out the end of our road in to traffic, this road has a speed limit of 35 mph. Traffic had to stop to let her cross the first lane since it was solid cars, vans and small trucks. As she approached half-way, before getting a good view of oncoming traffic, another car took off the front bumper. Note that the center line is interuppted at the cross-junction. The bumper was torn from the front of the car with damage more evident on the non-impact side of the car than where initially hit, hence my wife had not initiated a turn, just edging forward to see. The radiator was in-tact, but damaged, still mounted to the front of the car. I walked to the site with our other child and took my daughter home; she is fine and I took her to school but still talks of the incident today. My wife stayed at the incident, and was fine (no later issues) keeping real calm and cooperating with police. It took about 2 hrs with police debating which town the incident took place (middle of the road is the divide) and the other driver was concerned about getting home to take a pot off the stove, but seemed medically fine. The driver asked me and the police to drive them home to get the pot off the stove and used my wife’s cell phone more than once. They also wanted to drive their car home and leave the scene with a flat tire at one point I presume to attend to the pot.
    No tickets were issued, no air bags deployed. The other car had a flat front left tire and side damage so the driver’s door was stuck shut. Both cars were old, so written off.
    Over a year later we received a court summons from their attorney and we are being sued for 0,000. Our limit is 0,000 on insurance. The plaintiff is claiming herniated discs and loss of bowel control. We have a 2006 no money down mortgage, so total equity is very much in the red since our home value plummeted. I have no umbrella policy. I am sole income, but was owner of the car my wife was driving. My wife is stay-at-home mom. The remaining 0,000 would be a big problem.
    Interestingly, we heard that the other driver called our insurance and asked for a >100-fold lower amount of money to just go away! Our insurer recalls this very clearly and did not pay.
    Questions:
    Should I invest in an attorney to work with our insurer’s attorney to cover the 0K over our limit? Do we have any case given the car the other driver may have been in a rush (as all were aware of the pot on the stove), would have settled for far less, and in reported safety tests should avoid an obstacle at 55mph let alone at the speed limit of 35 mph? Their case, as I understand, is to actually prove my wife was negligent, she was just trying to see. Reality and the law are complicated I understand.
    Our insurer is looking in to the validity of their medical claims. I believe for spinal and neck injuries plaintiffs have to follow careful insurance approved treatment plans in NJ. I know that such a condition may not be permanent with curative surgery possible to release the nerves that may be causing the bowel issue. The plaintiff has claimed the injury as permanent, do they need to prove this? Should we ask experts?
    The plaintiff lives in our town and their house is on my running route every other day. I have not noted anything at all and plan to stay away from all other parties. Should I change my running route?
    Thanks for any advice. Our 30 day clock is ticking.
    Thanks for all the great responses and sanity checks. For clarification, the attorney notified our insurance company of the claim at the same time we were sent our letter. Indeed the insurance company is intending to defend their 0,000 portion but has stated they would work with an attorney we hired for the remainder.

    I am leaning to at least getting some advice, a consultation, with an attorney as some have suggested. But we have no assets with an underwater mortgage, so there is no where for the remaining 0,000 of their suit to come from, so no judgement to defend.

    Thanks again.

    • ANSWER:
      Interesting. The point of a lawsuit is to get compensation from the defendant - if they don't have insurance covering that amount, or assets that can be utilized, the suit makes no sense. This sounds frivolous. And I can't see how that injury was your wife's fault. Since the first line of vehicles were stopped could not have been recklessly speeding across the lanes of traffic, but it is apparent that the driver that hit her did not have an idea that she was there or wasn't paying attention to the stopped vehicles.

      I would consider a number of things, a forensic accident investigator can evaluate the speed the driver was traveling, and if they exceeded the limit - and if your wife was stopped or moving slowly. The insurance company may have done this, ask them. The anxiousness of the driver seems that they were racing home and not paying attention. But this claim for medical problems, I simply can't see how they can justify your wife at fault unless your wife's vehicle was traveling at a high rate of speed, and that's where an evaluation of the accident and the damage sustained could be beneficial - an accident investigator might be able to tell whether your wife's vehicle was stopped or barely moving. Just a thought.

      This other driver - they left home and raced back to attend to something on the stove. In that state of mind, any obstacle to them getting home would be a hindrance and their aim would be 'home,' not 'being cautious'. Personally, I see them being the one at fault, and their own personal medical insurance used to cover their own medical problems.

      The driver was distracted, and distracted drivers are known to be a problem driving. Statistics show that a distracted driver was the cause of 20% of injury accidents in 2009. And, In 2009, 5,474 people were killed in U.S. roadways and an estimated additional 448,000 were injured in motor vehicle crashes that were reported to have involved distracted driving. (FARS and GES).
      Here's the link for that information from the US Department of Transportation.
      http://www.distraction.gov/stats-and-facts/
      and one from the National Highway Traffic Safety Administration
      http://www.distraction.gov/research/PDF-Files/Distracted-Driving-2009.pdf

      It sounds to me that this driver now has a medical problem and they are holding your wife responsible, when in fact that may not be the case. I'd want to see their past medical records and history. I'd want to know when these problems surfaced. I'd want to know why they are now acting on this, one year later. I'd want to know how they justify that the accident is the cause of the problem. I'd want to know their financial state and if this suit is an attempt to get money because they need money.

      I don't know about hiring an attorney, it wouldn't be a bad idea to at least meet with a couple of attorneys to feel them out. But know this, the insurance companies do not like to pay out money of any kind, they take it personally - they won't stand for much nonsense.

      And for the last part, yes, change your running route - you being seen in the area could work against you.

31. QUESTION:
    At fault driver in accident will not disclose insurance info?
    Several months ago a tow truck driver hit my car from behind. The police officer that arrived at the scene said that an accident with under 00 damage is non reportable accident in state of VA and could not write police report (but it turns out after the auto body shop's estimate the damages are really 00). He did however right down the info other driver gave him for insurance/add./phone# and declared other driver to be at fault. Long story short, the guy lied about his insurance and there is now a question of who the owner of the truck is and whether or not there is any insurance on the truck. The truck had a temp tag at the time and tag # is not in DMV database to show ownership of vehicle. The guy is giving everyone the run around- my ins. agent, the police officer, and me. My insurance company wants me to pay my deductible -0- and then later they will try to get me reimbursed. This time of year I don't have the money to pay for something that is not my fault in the 1st place. What can I do to get my car fixed? Can I take him to civil court and does it have to in the jurisdiction the accident happened? Or can my insurance company do something without me having to pay the deductible?
    Driver says truck is owned by the guy he works for. This person flat out refused to give my ins. agent any info and swears he conveniently sold the truck to the driver on the day of the accident. Also officer ran temp tag # and it doesn't come up in DMV database. Officer says there isn't anything else to do but "have my insurance company take driver to court"

    • ANSWER:
      Tracy,

      Sounds like you have a bad insurance company.

      Situations happen like this all the time. The cop (I'm an ex-cop) should have recognized how much damage there was. He also should have run the temp tag on the tow truck.

      Your insurance company has lawyers and they should be fighting harder for you.

      The above being said - typically you have to pay the deductable up front, and then get reimbursed for it. You should take the driver to small claims court. Not sure if in VA it has to be the jurisdiction where the accident occurred. You may be able to file where you live - you can find out by calling your county courthouse.

      I'll bet if you file a lien on the driver's truck and bank accounts he'll cough up the $$$.

      "Ranger"

32. QUESTION:
    How to deal with a auto repo?
    Awhile back I ran into a situation to where I had to do a local small dealerships in-house financing on a vehicle. About a year and a half ago while gas prices were at their worse and I was dealing with finances left over from a divorce I decided I had to return the vehicle to the dealership. I spoke with them prior to doing this about possibly doing something to lower the payments, or maybe trading for some cheaper and economical (I was spending a minimum of 0 a month in gas alone). The owner said he doesn't trade his vehicles back in blah blah blah. So anyways push comes to shove, I completely cleaned the vehicle and politely returned it to him explaining that I could no longer afford that payment + insurance + gas on top of everything else. I was told that once the vehicle was sold "IF" there was a balance I would be responsible for it (remembering this is a famous buy here pay here dealership that finances everything and sells and whatever price he can because there are enough people like me that needed it).

    Well here a year and half later after I even called to see what the status was with my account and I was told "you no longer have an account here, everything is zero'd out" I receive a letter from a legal office stating that the dealer had repeatedly tried to contact me about a balance of 00 (roughly) and with the accumulating interested and obnoxious attorney fees I now owe 64 (with an interest rate of 25.99996%) and unless I respond or dispute this claim in writing within 30 days it would be considered valid etc... I sent in a professional letter explaining why I wasn't aware of a balance and there has to be some form of miscommunication. About 5 days later I receive legal papers to where they are seeking judgement on this case.

    What can I do about this? With an interest rate of 25.99996% building up quick I don't see me being able to pay this off with a resonable payment. Obviously I can't get a loan, after the divorce it was non stop financial down fall etc... Any thoughts, ideas or suggestions would be greatly appreciated!!!! I'm stressing quick and I think I'm trying to walk through a brick wall.

    Sorry for the long story, I thought it might help to know a little more detail.

    • ANSWER:

33. QUESTION:
    I need SR-22 auto -insurance, for non-owner. Can you help me find a company that can do this for me?

    • ANSWER:
      A lot of insurance co's will write a named non-owner policy. If too many insurance companies turn you down, you may be what is called "assigned risk." What this means is insurance co's think you are too high of a risk, but the state says you are required to carry insurance. When you are part of the assigned risk pool what happens is the state divvies all folks in your standing equally amongst insurance co's depending on the amount of their policyholders (a percentage of each co must insure assigned risk drivers). One you get assigned a company they are not allowed to drop you for three years...check out this website....http://www.assignedriskauto.org/

      ----Almost forgot, assigned risk are usually only allowed the state minimum coverage only-you can't buy collision), just an fyi

34. QUESTION:
    I need SR-22 auto -insurance, for non-owner. Can you help me find a company that can do this for me?

    • ANSWER:
      Progressive

35. QUESTION:
    Auto insurance for international visitor?
    I will be travelling to West coast USA this summer for two months and i am very much hoping to rent a car. The only problem with this is my age. I am under 21, and while i have managed to find plenty of companies willing to rent to me, they all require that i provide my own liability insurance. The CDW (collision damage waiver) is not an issue since this is covered by my credit card company.

    My home auto-insurance in the UK does not extend Liability over driving a) rental cars or b) the USA.

    I understand it is possible to buy either just personal liability insurance or a "non-owners" car insurance policy. The problem with both of these is that i don't have an address in the USA. Is there any way i can still obtain insurance?

    • ANSWER:
      I think the "non-owned" auto policy is your best bet. You can buy a policy using the address you will be staying at while you are here or you can rent a PO Box for your stay and use that for your address. The best way to do that is with a UPS store or Mailboxes Etc Store. When you use one of them you get a street address and you can use "Suite" instead of PO Box. So your address would be like this:

      John Jones
      1234 Any Road
      Suite 123
      Anytown, CA 33333

      Instead of:

      John Jones
      PO Box 123
      Anytown, CA 33333

      That way your address appears to be a suite or apartment instead of a PO Box..... This should satisfy your needs for your trip..... a little tricky but it should work.