Usa Auto Insurance

Frequently Asked Questions

1. QUESTION:
   Do i need to keep auto insurance if moving out of USA for 3-4 months?
   I am moving out of USA for 3-4 months and i am planning to keep my car at friends garage.Do i still need to keep auto insurance? Do i also need to cancel registration?
   I am moving out of USA for 3-4 months and planning to keep my car at friends garage.Do i still need to keep auto insurance? Do i also need to cancel registration? I am staying in NJ
   i am staying in nj
   what if I cancel registration and tags before going out of USA? Once I come again.. i will do registration . Is it a good option ?

   • ANSWER:
     Many states,NC where I live included, require you to keep insurance as long as the registration is current. If you cancel your ins. policy the ins. co. notifies the state and they require you to turn in the tags. I guess it helps keep uninsured drivers off the road.

2. QUESTION:
   What is the most popular and best auto insurance company in USA? Any recommendations?

   • ANSWER:
     Insurance rates vary SO much from person to person. It's based on some of the following: Age, Sex, Where you live, Your credit score, your driving record, your claims record, whether you're married or single, whether you own or rent, and what type of vehicle you own, what would suit you would not suit another person,

     try your old place of insurance or justuse yellow pages and call around or shop for some on internet

3. QUESTION:
   where can i get cheap auto insurance in the usa?
   i am in america but live in england i have a uk driving liesence but as im staying in america for a few months i decided to buy a car i wanted to know where i can find someone that would insure me for the 6 months thanks

   • ANSWER:
     you will need to call around to your local insurance companies in your area. you will need to ask if they can insure with an international license, as some companies will not, ask for a quote if they do, every company is different in their rating so premiums will vary. good luck

4. QUESTION:
   What USA Insurance companies don't use credit scores/ssn for auto/home insurance?

   • ANSWER:
     Credit scoring flat out isn't used, in California. Leader Infinity will omit the credit scoring upon your request, HOWEVER, they will then give you the highest rates (as if you have a horrible credit score).

     There are some SMALL regional carriers that might omit credit scoring, but none on a country wide level will do that.

     Travelers, will manually underwrite, IF the low credit score is due to a divorce or a medical issue.

     As always, talking with a local agent will probably get you more state specific information, than posting for generalizations that are valid for the entire country.

5. QUESTION:
   cheap auto insurance in the USA on an English drivers license?
   Currently living in LA, have bought a car which is insured through my wife at the moment. Charging 0 a month!! due to me only having a UK license, even if I change to US license the price only comes down --all help and advice appreciated.
   Thank you

   • ANSWER:
     haha that's nothing the answer for that question is really easy all you have to do is call the following number ask for Arthur i promise you that he will do the best and give you the least min. price ever + great insurance it is not that famous like Triple A insurance, 21st insurance, Mercury insurance and stuff.... but they can also do good.... i am age 16 new driver i have a sport's car Mazda Mx6 and the insurance i am paying for 6 months is 0.... 0/ month that is nothing because i got quote from many insurance company's everything i could find was 00, 00 for 6 months i think for that much money it's worth buying another used car.... if you want you can tell them that i reffered you name Monish Abraham or My father's name is Abraham Alex... I live in Stockton, C.A. itt doesnt matter where you live because they have offices in many place's.
     Arthur # 562-868-8898
     A&M insurance
     http://www.aminsurance.com/

6. QUESTION:
   How do mexicans look for auto insurance in Mexico?
   When you live in Mexico, do people use yellow pages, local independent agents, online websites..how do they go by buying auto insurance?
   Also, what is their biggest problem when coming to the usa and looking for auto insurance, aside from the language barrier?Are the coverage similar, do they have a trust problem, etc..what would be the most helpful thing a US insurance company could do for them?
   Thanks for your help.

   • ANSWER:
     Auto insurances are a bit cheaper here in mexico... most banks and insurance companies offer auto insurances. Here in Mexico, most banks are in every state, so they have nationwide customers, and brochures can be found in every bank.

     Auto insurances are also advertised on TV, radio, online, yellow pages, but most of the time, people already know the names of the companies, and they would just ask for a quotation by telephone.

     It is not mandatory to have an insurance here, so a lot of people (mostly poor people who cant afford insurance) wont have one

     I drive a 2006 Toyota Rav4 and I pay around 1000USD/ year for my auto insurance with inbursa (www.inbursa.com.mx)

     As I did, most people will go to the bank and just buy the insurance there.

     When coming to the US there are a bunch of scenarios, mainly:
     1) if I were to drive all the way there, I would have no problem and I understand that my insurance has coverage.... but it is too far anyhow.
     2) when renting a car.. no problem, just get the insurance too.

     Language barrier,,, hmmmm, yes probably, but most people that can afford it would be able to understand what ur selling.
     Of course that there are people that doesnt speak english in need for an auto insurance.

7. QUESTION:
   High Point Auto insurance in NJ, USA?
   I am existing Geico customer and got a quote from High Point which is saving me 35% on my 2002 Acura TL. I need some inputs on High Point. Is this a reasonable good company? How is the customer service & the claim process?
   Your experience would really help me.
   Thanks for your time.

   Dilip

   • ANSWER:
     Helpful things to look at for High Point:

     Did they quote you line-per-line on coverages
     Did they Run your motor vehicle report and do they have exactly the same info reported
     Are you getting a "transfer discount" (lasting usually your first 6 months)
     In essence, did you provide exact, to-the-last-detail info to High Point? If you haven't then your quote may be wrong. 35% is a huge difference and you should find out why!

     I Know I haven't answered your question yet but I strongly recommend you do the above first.

     Then, take a look at A.M Best insurance ratings. They provide answers to all of your questions like "what is customer service like?" and "how financially stable is the company". It is a free site, it simply requires you to register (create a username and password, no fees of any kind) I use it often as they have excellent insight to thousands of companies, not just Insurance.

     Compare the 2 companies on the website.

     You may also want to call Geico for a free policy review to determine if they can lower your rate.

8. QUESTION:
   Auto insurance rates in USA?

   • ANSWER:
     They vary widely by state, city and the persons driving record and type of car they drive.

     I pay per month for my full coverage car insurance. My brother has had many accidents and pays over 0 per month for his.

9. QUESTION:
   What kind of car insurance do I need for a rental, when I DON'T have any current auto insurance?
   We are looking to rent a car for a month, and since we are both ex-pats, we don't have any USA car insurance. We've looked up and discovered we should get Collision, Liability and Comprehensive insurance. Where can we get these for cheap? My travel insurance includes a Collision option, but no Liability or Comprehensive (I'm American, my husband is English).

   • ANSWER:
     You can buy them from the rental car company.

     You cannot get a policy, for a month, for a rental car. You have to buy the coverage from the rental car company - and it's not cheap.

10. QUESTION:
    Can anyone give me a link for CHEAP auto insurance for a 17 yr old in USA? Please and Thank you?

    • ANSWER:
      There is no cheap insurance anywhere for a teenager. As for the previous comments about up to 400 per month? You can easily see that or much much higher depending on what you drive, your record and vehicle and coverage needs.

      I've quoted teens well over 1,000 per month depending on needs.

11. QUESTION:
    Can I cancel my auto insurance because I am leaving the country for 3 months?
    I am leaving the USA for 3 months so I was wondering if it would be possible to cancel my auto insurance for these months and not pay the monthly premium. I will not be driving the car for these months.
    I am insured with Geico.

    Thanks.

    • ANSWER:
      Yes unless you signed a contract for a certain length or if you have a loan on the vehicle that requires you to have insurance

12. QUESTION:
    In the USA, how do ya make your own auto insurance (as if you're the company yourself) even if you don't own _
    your own auto insurance company, and have the government recognize it as at least a legal liability insurance company (as a way of saving money from the high cost of actual insurance companies, especially if the cost by them has gone up and up...), but also limit the amount someone can get from you if they have a lawsuit against your own little self-insurance box you have going there?

    Hey! I have heard of people doing this, seriously! But I don't remember if it was auto insurance or just health insurance, for sure. So anyway... how do ya do it and get it recognized where it needs to be (since at least liability auto insurance is required by law here)?

    Come back and see my responses to your answers, okay?

    Thanks.
    Hey, Dennis K, I never said I thought I could own my own auto insurance company, but obviously SOMEBODY owns them, or else they wouldn't exist! So how about YOU get real? GEESH, man!
    Hey, Dennis K, I never said I thought I could own my own auto insurance company, but obviously SOMEBODY owns them, or else they wouldn't exist! So how about YOU get real? GEESH, man!
    Dumdum, not necessarily. It just depends on how much the company has raised their rates on someone, and how much higher other companies would have their rates even if you switched to them, because of what may be on the record. It just depends.

    Thanks for trying, though...
    Okay, Float King Oh, so what's the process?

    (To add that response to your answer, find the Edit link and then just add the new comment below the existing one--maybe you knew that already, though.)
    Thanks, James B. I'll check out that site and see what it tells me.

    • ANSWER:
      yes you have to have at least a 50 000 bond to not carry insurance

13. QUESTION:
    WHY KEEP MY AUTO INSURANCE IF I WILL NOT DRIVE ?
    I am leaving the USA for 3 years on an international project. At no time will I be driving a car. What are the good reasons I should keep my auto insurance in force ? Or should I just cancel, then buy again when I return ?

    • ANSWER:
      cancel everything but the comprehensive coverage. Your agent can advise you best

14. QUESTION:
    If the USA and others went topless for women, wouldn't our auto insurance go sky high?
    Can you agree we have enough extractions rubber necking as it is?

    • ANSWER:
      yes and what if men drove with no boxers on? women would stop having sex

15. QUESTION:
    Is insurance required when renting a car in the USA?
    At Avis specifically. I heard that rental insurance isn't required but does this apply even if you don't have any auto insurance?

    • ANSWER:
      not required, but your responsible for any damages to it or if stoled, all sell insurance aor lenght of rental, and worth bying if you had auto innsurance of your own, that would cover a rental
      good luck

16. QUESTION:
    Is it possible to cancel the signature of auto insurance for new car?
    Hello,

    I have just bought a new car in a Toyota car dealer: They have found for me an insurance for the car, comparing with different insurance companies. But now at home, I am trying a quote with Geico, and it seems that I could probably get a better price with this company (not completely sure, I need to call them).
    Is it possible to cancel my signature as I did not receive the policy yet ? and I did not get my car yet (but tomorrow) ?
    I don't know if here in USA we have the possibility during some days (one week for example) to retract ourself....
    Thanks for information.
    but is it possible not to start to pay a new car insurance and to change for another one....
    I have paid totally my car by cash, and I will take it probably tomorrow. I have signed all the documents for the car insurance today.... but I am hesitation to contact Geico company since they seem to do better price for me..... I don't know if is possible to change right now..... and to cancel the first insurance (already paid for one full year).

    • ANSWER:
      This is going to be very lengthy so forgive me. Lots of people make big mistakes in situations just like these.

      YES, that policy can be canceled and you can even request a back-date cancellation. This will make the policy as if it never existed which means you'll get the full amount of premium back. You'll just need to ask them specifically for a backdate cancellation and tell them that it's because you didn't take posession of the vehicle. That's the only way they'll do it.

      As for this other policy with Geico, yes. Get it started up! But here's your hanger:

      You aren't going to get the money you paid the other insurance company back in time to spin that money around to pay Geico, not unless you contact them the same day that the money is taken. With most places, the payment has already been processed. They'll have to send you a refund which generally takes 7-14 days. As you can see, this will put you in a little bit of a bind since you're going to have to pay Geico to start the policy to take posession of the vehicle or leave this other policy in force.

      My advice to you?

      Go on and cancel that other company just ASAP, ask for backdate cancellation. Pay Geico for the first month (provided you're not completely broke by now), then send that money from the refund in to Geico to pay for the rest of your policy period.

      When it comes to the amount of time you have to retract yourself, the ONLY way you can do that is if you didn't have the vehicle yet.. and that's only because no service was actually used during the time that you had that policy. You didn't drive a car, and you didn't drive the car that they had insured. If you already had the vehicle, then they have every right to keep a portion of that premium you paid since they technically were covering you for risks while you had the vehicle.

      Does that make sense?

17. QUESTION:
    How much does liability auto insurance cost in Florida?
    I am coming up to 21 years old, and moving to Miami in August for a year with a student visa. I am told that it's very useful to have a car in the USA, and as I am a car owner in the UK with almost 2 years of comprehensive with no claims, I was hoping that I would be able to purchase a car in the USA.

    Will this be possible and at what price?

    • ANSWER:
      Hello,

      We often take for granted what a convenience our cars are. I was paying a low price for my insurance, but at renewal time, my insurer tried to increase my rates.

      My friend sent me a link to this site:

      http://www.rent-assistance.org

      They have a free search to compare auto rates from the major insurers. It saved me a lot of money!

      Best of Luck

18. QUESTION:
    Is automobile insurance available for US citizens driving a borrowed car in Germany?
    Does any international auto insurance from the USA cover injury, accidents and damage in Europe if you are using a European friend's car? Is it worth it?

    • ANSWER:
      Certain accident benefits for injuries you suffer as a result of an accident may be worldwide coverage (check your policy), however liability and physical damage coverage on your policy is valid for the U.S. and Canada only. You would be better off trying to find coverage in Germany.

19. QUESTION:
    What are the listings for African American or black owned auto insurance companies and agents.?
    I want to support my people,because no one else is going to support us. Many immigrants only support their business owned by their people,but we blacks have very few businesses. We need to unite and support each other to survive in this every changing country. It feels as if we are second class citizens in our own communities. We have to do business and pay for services of people who dislike us,because we have no alternative. We blacks need to control,manage,and build business in our own communities. P.S. I love America USA is # 1

    • ANSWER:
      That's pretty ignorant to choose a service solely because of the color of ones skin. If you have local services and would like to support your community that's fine. America doesn't hate black people. Stop the self loathing. If you are a decent respectful man you will get the same from 99% of America. As far as immigrants supporting "their people", you're talking about nationalities. Often customs, languages, foods, etc of home countries are not mainstream in America, so they turn to other immigrants from their country in their community. Ignorance to combat ignorance will not work.

20. QUESTION:
    Driving license and auto insurance?
    my boyfriend have no green card or paper work for USA but there something he can get driving license or auto insurance? somehting is cheaper?

    • ANSWER:
      I don't think he can get a license and insurance if he is here illegally. They will ask for some type of ID or Social security number.

21. QUESTION:
    Govt Healthcare - Why not govt funded auto insurance?
    I keep hearing people that we have a problem in the USA that people do not have health insurance. Another problem we have is that people do not drive with adequate auto insurance or collision.

    To me the government does not belong mandating healthcare coverage, however this train wreck is coming down the pike real soon. Since we are into the social programs, why don't we make auto insurance a government funded program as well. That way we all have equal coverage should we get into an accident.

    Thoughts on this crazy idea?

    • ANSWER:
      Please don't give the left wing liberal loonies any ideas. If socialized medicine were enacted, there would be a part of it applicable to auto insurance. Most auto policies incldue medical payments coverage. That coverage would not be needed.

22. QUESTION:
    What state or states do not require car Auto insurance in order to own a car and use it ?
    I would like to know what states in USA do not require car Auto insurance for the owner or user of the car he or she is driving?

    If there is such a state please prove me where you get the source! And How does the driver pay off all the victim’s billing cost after injuring this victim and victim has a bunch of bills coming in from Hospital service?

    If now you agree with me that all drives should be required to pay and have auto insurance, This is the same reason is why all people need to have healthcare insurance who can afford it! Not only it will keep the insurance cost lower for average “person”, everyone is now guaranteed to qualify without being denied due to history, disability, or medical cost person needs, but if everyone has health insurance nation wide medical expense will be less rising; like people who did not have insurance get into accident/injury
    Whether falling off a cliff, get hit by a car and driver drives off, or gets injured due to snake bite. NONE of them are intentional or expected but they happen and many other!
    If everyone is insured the insurance pays for the medical expenses whether its 0 or 0K
    But if not everybody has healthcare insurance average “person” won’t be able to afford the $full medical bill will be hunted by collection agency but still not likely to pay any more then 00 for medical expenses! There for the rest of the medical cost falls on WHOM??? THE TAX TAPYERS OR OTHER medical service Customers!!! By raising the prices of medical expenses! THAT is why California’s Blue Cross Blue Shield insurance Raised about 57% cost in 2010 or 2011!! What do you expect if Thousand or millions of Illegal most Latino immigrant get Medical service in Hospitals like even Child birth, or emergency room, but they don’t have medical insurance, can’t afford it, YOU SEE that raised their insurance cost BY 57%!!! DO YOU WANT THIS TO HAPPEN NATION WIDE??
    IF NO
    If you want Medical cost to remain affordable,
    THEN
    A)Support National Healthcare that everybody should have it who can afford it
    B)In order to receive Fed/State TAX, Social Security, Medicare, and Medicaid from the Illegal Immigration should be attempted to be caught and exported to their main country, or should be attempted to be caught and if given full citizen ship to them only if these immigrants must server some number of years of Army, military, or Air force service “voluntarily”. OR be required to pay a minimum amount of $ that individual invested into the Social Security system, or minimum number of years legally work in U.S.A, if they want to receive the Social Security benefits if future.
    HOWEVER
    How many years serving , How much individual or couple invested minimum, and /or how many minimum number of years in order to qualify for Social Security service is up to the government to calculate and decide.

    THIS WAY Citizens Will all be able to fully pay their medical expenses, and The illegal immigration will not be as big of an issue!

    • ANSWER:
      The liberal state of Oregon self insures many of their own drivers and avoids the cost of commercial insurance. Other states let individuals self-insure as well (see form for georgia below) I guess this pretty much blows out your comparison. Not too mention that those that do not drive are not forced to buy auto insurance either.
      "How does the State insure its risk of loss?

      The State uses both self-insurance and commercial policies to insure its risk of loss. This combination has proven to be cost effective for the State.

      The Insurance Fund, established by ORS 278.425, is used to provide both commercial and self-insurance coverage for the State of Oregon.

      ORS 278.405 grants broad authority to DAS-RM to purchase commercial insurance, develop and administer self-insurance programs, or any combination, thereof, as may be in the best interest of the state. DAS-RM may condition payment of all or part of any loss covered by the Insurance Fund.

      What is self-insurance?

      Self-insurance is an alternative to the purchase of commercial insurance. The State of Oregon has developed its own formal program of self-insurance to identify, evaluate and pay for its losses."

      Lastly, take a look at the disability program in the USA. Only workers with so many quarters of work are eligible for social security disability. Should'nt we force everyone else into this coverage? Why not force everyone to buy at least enough life insurance to be buried? Insurance against identity theft, rental insurance, homeowner's insurance? Government can not protect everyone from cradle to grave. People should weigh their own cost and benefits and provide for themselves. It is called personal responsibility. When they come up short, charities should step up (many do) and help.

23. QUESTION:
    Is it possible transfer the auto insurance?
    I would like to buy a old car and is it possible to transfer the excisting insurance to my name,I am living in MA USA

    • ANSWER:
      You cannot transfer someone else's insurance into your name. You can however, transfer your existing insurance to another vechile. Best of luck.

24. QUESTION:
    auto insurance across border?
    can an insurance company in the USA insure a vehicle that is registered and driven mainly in canada?

    • ANSWER:
      Some provinces have Govt run insurance (BC and Quebec immediately leap to mind) and you have no choice but to buy your insurance from them.

      Others, only allow companies that are registered to sell insurance in that province to do so. (such as Ontario)

25. 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!

26. QUESTION:
    Important Auto Insurance Question?
    A non-American girl, arrives in the USA to start her studies. She has a drivers license she received from her home country. There is this "law" saying that if a foreing person already has a driver's license he/she can transfer it into an american drivers license without taking the road test. So she did just that.

She went to an auto insurance agency. The person there simply asked her whether she has been driving for 4 years, without specifying that she had to be driving in the USA for 4 years. She answered positively even though she hadnt been driving in the USA for 4 years. Now she is insured with that company.

I'm 22 from the same country just got my drivers license in the USA without "transfering" the one i got from my home country. I called the same company for a quote, telling them that i have been driving since i was 18 in my home country (hoping i wasnt considered as a new driver) and what they told me was that "we cant insure you because you dont have any driving record in
    the US". 

So what i want to know is: How does an insurance company know whether a foreign new driver is really a new driver or not?

Someone told me that if that person was never licensed in the US then the insurance company will have to take your word for it. Is that true?


    • ANSWER:
      I don't know to which state you are referring, but I'm a licensed insurance broker in New York. Generally, if you can demonstrate previous driving history - from anywhere - you should not be considered a "new" driver. In New York you have to show three years driving history to no longer be considered "inexperienced". They don't simply have to take your word for it; you have to prove it. While your original license (if you still have it) should show a issue date which would demonstrate driving experience, the most helpful thing that you could do for yourself would be to secure a copy of your driving history/record/abstract from your home country which would show not only the original issue date of your driver's license but also your driving history. Good luck!

27. QUESTION:
    who is the overseas american insurance companies?
    who regulates and controls the auto insurance and insurance companies of the USA? US dep. of insurers or something....

    • ANSWER:
      State insurance commissioners.

      http://www.naic.org/state_web_map.htm

28. QUESTION:
    auto-insurance coverage for co-passenger (no medical coverage)?
    I live in Colorado, USA. Recently, while driving a rental car, I met with an accident. I was at fault for the accident. One of my friend was traveling during the accident. And he got whiplashed because of the accident. He took the treatment, diagonosis and approached his healthcare provider to claim for the expenses incurred for the treatment. My friend's healthcaare provider processed it initially. However, he they have got back now and queried about this accident information and why it was claimed when this must be covered by driver's auto -insurance, i.e., me.

    Please note that as a driver, I was insured with auto insurance which covers sufficient BI, CD. I did not choose for 'Medical Coverage' as part of auto insurance policy. (as I had health insurance to take care). So, in this case, since he was traveling in the same vehicle which met with accident and I was driving it, I am wondering :

    1) how will my auto insurance policy cover it, as BI?

    2) If my auto insurance policy denies it on the ground that the claim person is driving in the same vehicle, will his health care provider be taking care of?

    I would really appreciate any kind of information around this.

    Thanks,
    Paddy

    • ANSWER:
      Your BI coverage from your own personal car's policy should extend to the rental policy. Not all companies will allow the extension though. Check with your company. if it turns out that your BI didn't extend, then your passengers health insurance will have to cover it. They are merely making sure that some other insurance or person isn't liable before they cover their insured.

29. QUESTION:
    Is auto insurance really "MANDATORY," or is it just conditional on if you want the PRIVILEGE of driving?
    You need a license to drive a car on the public roads, legally.

    Did that make a driver's licens mandatory?

    No, you don't get arrested if you dont' drive and you don't have one.

    A license is only a CONDITION for driving.

    Now most states have added auto LIABILITY insurance as a CONDITION for getting your car inspected or renewing the registration.

    It is not MANDATORY.

    It is a CONDITION for exercising the PRIVILEGE of driving a car legally on public roads.

    Now health care reform's health insurance requirement IS A MANDATE. You are required to have it, regardless of what privileges you exercise.

    Unless you count being not being poor or an undocmented immigrant a "privilege."

    So, now being in the USA legally and being above the poverty line is a PRIVILEGE, according to the Democrats.

    • ANSWER:
      Yeah, well liberals don't like successful, independent America citizens since they aren't who vote for liberals, so there you go.

30. QUESTION:
    auto insurance reinstatement After working overseas?
    ive been working and living outside the usa for 15 months i sold my car and can celled my insurance in early 2008.when i return am i going to get hit with a higher PREMIUM because i havent had insurance for a while am i going to be considered a new driver im 43 are they going to charge me like im 18

    • ANSWER:
      I recommend an online insurance quote. It's free and quick to do. http://www.goodinternetdeals.com/Auto-Insurance.html

      Good Luck!

31. QUESTION:
    Question about AUTO INSURANCE?
    HI,
    i have a question about car insurance i am 19 years old from india.now i am in newyork usa.my question is that last week i buy car insurance in which i write i am married and my wife is in india,she not come in usa and she have o lience so that they give me marriage discount.but in truth i am not married,i do this beacuse my insurance decrease if i do this.niw i want to know that is this not a problem for me or i am not get in trouble

    • ANSWER:
      Lying to an insurance company can result in a claim denial and possible cancellation

32. QUESTION:
    Can I send a Maserati Quattroporte Evoluzione to the USA and would it be street legal?
    I want to get a Maserati Quattroporte Evoluzione sent from italy or britain to California. But, would it be street legal? And would century 21 auto insurance insure it?

    • ANSWER:
      I asked my mum (she owns an international freight forwarding company) and she says that it could be expensive but yes they would insure it =P

33. QUESTION:
    Auto Insurance for a foreigner?
    Hi,
    I'm planning to buy a vehicle for my trips to the USA. Living abroad (Europe) do you know how I could insure this car or motorbike? Do the owner has to be an American resident or can a tourist too get an insurance?
    Any ideas?
    Many Thanks

    • ANSWER:

34. QUESTION:
    Why am I being contacted by the other party's auto insurance company?
    I was involved in an accident last month that involved another car. No tickets were issued, but I was marked as being at-fault for the accident on the police report (Failure to yield). This happened in Michigan, USA.

    Now, the other party's insurance company has sent me two letters. One is requesting me to call them, saying they have been unable to contact me by phone. (Which is weird, since I don't have any missed calls). The other asks me to fill out a report describing the accident.

    Why on earth would her insurance company need to contact me? I'm really curious, and don't want to have to wonder about it until Monday. Also, do I really have to fill out this report? Can't they just read the police report, for goodness sakes?
    Yes, I have insurance.

    Isn't Michigan a no-fault state?
    Also, my phone number is listed correctly on the police report, as is my insurance provider.

    • ANSWER:
      They are investigating the accident, they are entitled to all details. Call your own insurance adjuster for clarification.

35. QUESTION:
    Auto rental insurance help?
    Let's say I need to rent out a car. Let's say I go with auto rental company 'A'.

    I have a VISA Credit card that provides auto rental Collision Damage Waiver (CDW).
    Read more about it here : http://usa.visa.com/personal/cards/benefits/bft_dmg_waiver_personal.html

    Now, I could decline the rental car companys' CDW (which is usually priced at around /day), but do I need to get Liability from the auto rental company?

    I thought I read somewhere that when you rent out a car, it has basic 'standard' liability applied on it by default. Is this true? I'd like to get this answered by an insurance firm guru!

    I'm asking this as when I recently rented out a car, I declined the CDW (as it's already there on my VISA CC), but asked to get liability insurance on the vehicle (around /day). I was billed for 'Supplemental Liability Insurance', which got me thinking. If it was 'supplemental', maybe there was basic liability coverage applied to it already. Thoughts?

    • ANSWER:
      As you know, CDW covers only damage to the rental car itself.
      It does not coverage damage to the other vehicle that you crashed into, it does not cover medical expenses of the occupants of either vehicle, it does not cover the cost of replacing the light pole you ran into. it does not cover injury to the pedestrian you ran down.

      Just about every state requires that fleet owners such as rental car companies provide the state minimum liability insurance coverage. You cannot waive that. But the state minimums in most states are pathetically inadequate. They are as low as ,000 per accident in some states. If you smash into anything more than a 25 year old clunker and are at fault, the damage is going to be more than that. If anyone is injured and they need to go to the emergency room, the bill is going to be several times that much and then add pain and suffering, lost wages, etc.

      "Supplemental" refers to the fact that the coverage is in addition to the state-mandated minimum.

      If you have your own car, your own insurance policy may provide liability coverage when you rent a car. But do check. Even with the same insurance company, the answer may be different depending on your state and on the type of policy you have. Don't take anyone's word over the internet. There is no credit card that provides liability coverage. If you don't have any liability insurance of your own, it is smart to take the rental car company's coverage. Even if you are eventually found not liable in court, the legal bills will kill you if you are not covered. (The rental company could just give the other side the policy limits and leave you hanging to pay the rest, including any legal bills for defending the rest of the claim.)

36. QUESTION:
    does anyone know about this new auto insurance problem,no policy in the past 6 months,?
    if you havent had a policy here in Michigan ,USA. we have to pay really high premiums.we had our car stolen,and had to go about 5 months.before we could replace it.the premium was about 70.00 a month on the stolen car{pl,pd}and now we tried to get the same premium on same car,i 1 year newer and {pl&pd} again.and they want around 185.00 a month now.reason beong we havent had a policy for the past 6 months,is this legal? thank ,you.

    • ANSWER:
      This is perfectly legal. You would have been money ahead to have purchased a 0.00 beater and kept insurance on it.
      That's just the way life works.

37. QUESTION:
    can anyone tell me what's the cheapest car insurance provider in ontario, canada?
    Does Costco provide auto insurance in canada (like it does in USA)?

    • ANSWER:
      If you have yellow pages in Canada you just phone everyone and write their quote next to their name.

38. QUESTION:
    Who is the largest CAR LOAN INSURER in USA?
    Please list CAR LOAN insurers in the United States...do not get this mixed up with Auto Insurance companies...AUTO LOAN insurers insure auto loans if someone defaults on it.

    • ANSWER:
      Depends on how you define largest. Most money in reserves? Most amount insured? Most number of policies? Most claims paid? Most offices? Most employees?

      Car loan insurers are SMALL. Small companies, small payouts. And car loan insurance is a ripoff, IMO.

39. QUESTION:
    Have subprime auto loans risen in USA the last few years?...how about household credit card debt?
    is the cost of health care and health care insurance rising ....as well as cost of food and gasoline?

    is anyone connecting any dots here ?

    • ANSWER:
      I knew things were going to hit the fan after a good ole boy won the election after getting less than the majority popular vote.

40. QUESTION:
    OBAMA national health care insurance REQUIREMENT SUPPORT OR AGAINST?
    KEEP Reading keep reading all has to do with national health care insurance!
    What state or states do not require car Auto insurance in order to own a car and use it ?

    I would like to know what states in USA do not require car Auto insurance for the owner or user of the car he or she is driving?

    If there is such a state please prove me where you get the source! And How does the driver pay off all the victim’s billing cost after injuring this victim and victim has a bunch of bills coming in from Hospital service?

    If now you agree with me that all drives should be required to pay and have auto insurance, This is the same reason is why all people need to have healthcare insurance who can afford it! Not only it will keep the insurance cost lower for average “person”, everyone is now guaranteed to qualify without being denied due to history, disability, or medical cost person needs, but if everyone has health insurance nation wide medical expense will be less rising; like people who did not have insurance get into accident/injury
    Whether falling off a cliff, get hit by a car and driver drives off, or gets injured due to snake bite. NONE of them are intentional or expected but they happen and many other!
    If everyone is insured the insurance pays for the medical expenses whether its 0 or 0K
    But if not everybody has healthcare insurance average “person” won’t be able to afford the $full medical bill will be hunted by collection agency but still not likely to pay any more then 00 for medical expenses! There for the rest of the medical cost falls on WHOM??? THE TAX TAPYERS OR OTHER medical service Customers!!! By raising the prices of medical expenses! THAT is why California’s Blue Cross Blue Shield insurance Raised about 57% cost in 2010 or 2011!! What do you expect if Thousand or millions of Illegal most Latino immigrant get Medical service in Hospitals like even Child birth, or emergency room, but they don’t have medical insurance, can’t afford it, YOU SEE that raised their insurance cost BY 57%!!! DO YOU WANT THIS TO HAPPEN NATION WIDE??
    IF NO
    If you want Medical cost to remain affordable,
    THEN
    A)Support National Healthcare that everybody should have it who can afford it
    B)In order to receive Fed/State TAX, Social Security, Medicare, and Medicaid from the Illegal Immigration should be attempted to be caught and exported to their main country, or should be attempted to be caught and if given full citizen ship to them only if these immigrants must server some number of years of Army, military, or Air force service “voluntarily”. OR be required to pay a minimum amount of $ that individual invested into the Social Security system, or minimum number of years legally work in U.S.A, if they want to receive the Social Security benefits if future.
    HOWEVER
    How many years serving , How much individual or couple invested minimum, and /or how many minimum number of years in order to qualify for Social Security service is up to the government to calculate and decide.

    THIS WAY Citizens Will all be able to fully pay their medical expenses, and The illegal immigration will not be as big of an issue!

    • ANSWER:
      No state requires you own a car, or drive. Therefore only people who choose to drive, are required to carry insurance. So you are saying only people who choose to live should be required to carry health insurance.

      That's like the government wants EVERYONE covered. People with pre-existing conditions cannot get coverage. So the government comes up with a program (PCIP) to help them, then demands they go without ANY health insurance for 6 months before they can apply. http://www.healthcare.gov/law/provisions/preexisting/index.html

      Your logic makes about as much sense as the governments

41. QUESTION:
    Is fishstix stupid or just blind to the fact that USA is a communist country now?
    Fishstix is in denial. We are in a communist country here in the USA and she is offended and states that we are not. Now, lets see. They own the banks, auto industry, social security, insurance companies, mortgage companies just to name a few former capitalist companies. GOVERNMENT IS OUT OF CONTROL PEOPLE - RISE UP AND BE HEAR AND TAKE CONTROL OF YOUR COUNTRY AGAIN

    • ANSWER:
      Wow, I feel so special that you need to post a question about my intelligence. You called me a liberal, but you may be surprised to find that I've been a lifelong registered Republican. I believe in the death penalty, the right to bear arms, have strong views regarding immigration, and am pro-life. Because I disagree with you does not make me a liberal nor stupid.

      If we are now a communist country...
      What job did the government assign you to do?
      When were you refused your right to vote?
      Are you making the same wage as everyone else in the country?
      Are you seeing the doctor that was assigned to you by the government?
      Have you been refused the right to gather publicly to speak out against your government leaders?
      Have you been arrested for speaking against the government?
      Are our government leaders not elected but instead just took over?

      I could go on and on. The United States is a democracy. Look in your question..."They own the banks, auto industry, social security, insurance companies, mortgage companies..." If I read the news right, most if not all actually ASKED for the government assistance. The government did some long and hard thinking before giving any of the groups money. It's not like the government jumped on the chance to "own" these failing institutions. Our elected leaders decided to help out these institutions because the US and world overall would be in a much worse situation if they hadn't. Can you imagine going to your bank to make a withdrawal only to find that the doors have closed permanently and your money is all gone?

      By the way...the United States doesn't "own" any of those institutions that you mentioned. They're still companies with their own organization and business plans and still have private and public shareholders.

      The fact that you and I can publicly disagree and can publicly debate the state of affairs also proves my point that the US is not a communist country. Like I posted in my answer to your other question, if you don't like the way the government is handling things, you have a voice. Talk to your elected leaders and let them know your opinion and your way of getting out of the situations that we're in.
      Or are you one of those people that just want to sit back and whine and complain and be a problem instead of the solution? I have a feeling that you just might be...especially since you felt the need to call me out to bash me and call me names based on my opinions. I'm sorry you have such a terrible miserable life. I am happy and proud to be an American and live in this country.

42. QUESTION:
    I need the e-mail address and the webb site for the Office of The Attorney General, USA?
    I'm checking to see if there are any problems or complaints with an auto insurance company prior to changing my current policy

    • ANSWER:
      http://www.usdoj.gov/index.html
      http://www.usdoj.gov/02organizations/02_1.html

43. QUESTION:
    What would happen if the insurance companies went out of business?
    Please give me the answer as to what you think & if you are some one here to put down others don't even answer. I don't like garbage/clutter. I am looking for serious in debt answers. Do we need insurance companies....I have not had health insurance for years it got to expensive & when I went back to buy it with a pre-existing condition it was way too expensive....what if we didn't have auto insurance....are we afraid of what this would be like....many strange things have happened but what would the USA be like with no insurance. Are we addicted to it? Could we actually live without it?....didn't people live without it years ago? They seemed to have had more time to spend with people they enjoyed being with back then. I remember my grandparents but my family has moved far away just to have a job......Would we actually be better off doing without the big businesses who are costing us so much & have us panicking to save them?

    I would also like to know if you don't mind, what party you are with?
    Would reps. rather do without insurance? or they just want certain people to have it? so telling me your party might give us some info. as to what each party tends to want or not want.
    Please star this if you have good contacts so they can give their answer.Thank you.
    to Entrophy: I was not making a statement about republicans but asking a question so I think you have misread my intentions.

    • ANSWER:
      Interesting question. If insurance companies went out of business, the money to pay doctors would have to come from somewhere else. With the cost of going to a doctor or even a short stay in a hospital so expensive, most people couldn't afford to pay out of pocket for these services. The only thing I could see would be government run health care, where more taxes would need to be taken from American workers to pay for services performed by doctors. I think that is the scare so many have when they think that a government option could indeed put insurance companies out of business by undercutting them so much. Basically it speaks to me of becoming another welfare system where the people who work and actually pay taxes, would be taxed even further to pay for another program for those who don't pay income taxes. I'm going to stop there. BTW, I'm a conservative. And please don't confuse that with Republican, because I think most if not all politicians, whether democrat or republican, are self-serving crooks who enjoy the power they have more than looking out for what's the best overall for the United States as a whole.

44. QUESTION:
    Health Insurance & Portability between jobs?
    Health insurance has been a topic of conversation on YA. Many support it, many are against it.

    Currently the insurance industry is one of the most government regulated institutions in the USA. Their are federal and state laws that govern health insurance and make it a buracratic nightmare.

    Our current auto insurance system allows for competition between companies on a national level. Keeping our insurance costs lows. If I leave my job, my car insurance stays with me.

    Current regulations state that I must have a job to be offered health insurance. I leave this job, I lose my insurance and must use COBRA for up to 12 to 18 months to keep my coverage. Why can't I buy my own health insurance and have it be portable across state lines like car insurance?

    It seems to me that fixing these types of problems with healthcare is more affordable than implementing a national healthcare system. There is low cost car insurance, why not low cost health?
    Civil - I read up on this web site that you mentioned. This is only for individuals who are self employed or own small businesses. First question they will ask is if you have a job that offers insurance. If the answer is yes, you have to go through them. So while this is a valid site, it doesn't answer my question.

    • ANSWER:
      Bingo.

      Combine the above mentioned portability and interstate insurance competition with tort reform, fair tax treatment for individuals purchasing insurance, and income tax deductions (or credits) for health expenses, and you will see the cost of health care dropping while the ranks of insured grow.

      Market based solutions are the only option if this country wants to maintain (and improve) the quality of its health care while reducing costs.

      Government based solutions may reduce costs, but it will do so by rationing and sacrificing quality.

      Edit: The major reason that insurance is so opaque and expensive now is because of over-regulation. Companies are required to cover expensive procedures and treatments that do not benefit a vast majority of the policy holders (fertility treatment, drug and alcohol rehab, etc) It stands to reason then, that states requiring these treatments be covered are among the most expensive states to attain health insurance. Removing competition restrictions from insurance companies would do more to reduce costs and increase enrollment than any other solution available.

45. QUESTION:
    Car Rental Insurance - What is the legal minimum Required?
    I currently have a US Drivers license, and a car, with insurance. I am about to sell my car, and will be cruising on my boat, returning to the USA several times a year, and when necessary will rent a car. BUT since I will not have auto insurance with my current car - what are the LEGAL minimum insurance options I need for a rental car - and is there any way to purchase that outside of the rental company? I don't fancy paying a day for insurance... But I don't want to break the law of find problems in the event of an accident

    • ANSWER:
      Rental companies are normally self insured for liability - what you buy from them is a physical damage waiver that keeps YOU from being held up for damages to the rental car.

      There is SOME coverage on your major credit cards - so, keep that in mind as well!

      Good luck and I hope this helps!

46. QUESTION:
    Should you respect a minority in the USA that has no respect for the laws of the USA?
    True summary of illegal activity from long term illegals

    Here is a true summary of illegal activity from long term illegals, and as you can see it's not just about sneaking across the border, and it's not just careless breaking of the law, it's carefully planned to cheat Americans.

    1. Illegal entry into the United States - Misdemeanor - deportable offense.
    2. Failure to register as a foreign national - misdemeanor - deportable offense.
    3. Fraudulently applying for a state driver's license with counterfeit ID - misdemeanor
    4. Applying for work or working in the United States without a work visa - Misdemeanor - Deportable Offense.
    5. Fraudulently operating an unregistered business under a false name - misdemeanor - Deportable Offense
    6. Fraudulently applying for and accepting welfare using counterfeit ID - Felony - Jail Time- Deportation
    7. Fraudulently applying for and accepting food stamps using counterfeit ID - Felony - Jail Time - Deportation
    8. Fraudulently applying for and accepting mother's assistance using counterfeit ID - Felony - Jail Time - Deportation.
    9. Fraudulently applying for work using counterfeit or stolen Social Security Number - Felony (Perjury)- Deportation
    10. Fraudulently claiming excessive deductions for Federal Income Taxes to avoid paying any taxes - Felony - Jail Time - Deportation
    11. Registering to vote in states with Motor Voter programs and voting without being a US Citizen - Felony (Perjury)- Deportation
    12. Buying counterfeit auto license tabs instead of paying the sate - Misdemeanor
    13. Buying phony auto insurance from Mexican operatives so automobile with counterfeit tabs can be registered - Misdemeanor
    14. Claiming poverty in a household with high income (for you less than informed - illegal households can easily make as much 0,000 a year tax free) so children can apply for free lunches at school - misdemeanor
    15. Claiming poverty to get free medical care from free clinics - Felony - Fraud (hundreds in LA alone) and using first class hospital emergency rooms as family doctors for non-emergency medical - ALL ILLEGALS HAVE 100% MEDICAL COVERAGE AT NO COST TO THEM - PERIOD - Misdemeanor - Deportation.
    16. Traffic citations and accidents - Illegals have no real name or address - if they are get a citation or are involved in an accident - they just disappear and surface again with a new counterfeit license and address- and good luck with your insurance company - misdemeanor - Deportation
    Etc, Etc, Etc,
    By the way no one said anything about hating anyone because of who they are are where their from it's HOW they got here!just pointing out the facts!

    • ANSWER:
      Respect is earned not given..... a free ride on the backs of middle-class Americans doesn't earn much respect.

      But then neither do the actions of our "elected class" as they boost them on our backs!

      Show your feelings at the voting booth...from the municipal elections right up to the presidential election. PLEASE

47. QUESTION:
    What kind of job can I get using the phone & working at home?
    I live in the USA & this kind of work has for the most part been outsourced. Are there any jobs or companies that hire people to do calling work. I have a great voice & personality but I want to work at home. I used to sell auto & home insurance at home but since 911 the insurance industry has even changed so I can't do that anymore.

    • ANSWER:
      Medical transcription folks typically work from home.

      Sell stuff on ebay.

      Avon or Mary Kay

      Alpine Access ... alpineaccess.com

      CPA´s pay part time accounting people to do work at home. Or small businesses pay accounting people to do their books from home.

      Freelance graphic design

      It's not an instant moneymaker and you need to find ways to promote it, but if you're good in designing, or thinking up good slogans, you could try selling t-shirts on cafepress.com. It's easy and free

      apply.westathome.com ... You would be taking calls from infomercials and different call centers ... Example: Virgin Mobil phone activations.

48. QUESTION:
    Why do people sue each other in America?
    Ok last political question...but I really want to understand this...because Canada isn't much different than the USA but nobody really sues one another here. I don't know if it's because we have insurance which covers us for a lot of things (ie Workman's Comp for injuries, private insurance, long term disability, auto insurance, etc. etc.) or what.

    But in the USA it seems you can't open your mouth without fear of being sued. Someone slips on your driveway and you're being sued. One child hits another, and parents sue....this is insane.

    Don't you think that somehow this has to change? That courts and judges need to make a point of dismissing ridiculous claims and banishing these money hungry lawyers who just profit off of people's miseries?

    I mean am I missing something here? Why is America like this?

    I mean if I would have sued for a kid slandering my daughter all over the internet the judge would have taken a strip off me for wasting his time with that nonsense.

    • ANSWER:
      We have too many lawyers in the US. They look around for ways to make money. They take liability cases on a contingency basis, meaning that they get a part of the settlement. If no settlement or jury award, they get nothing. Even if a defendant wins, it can cost him a lot of money to defend.
      We do have all kinds of insurance. People even sue when they have coverage, like workers compensation.
      Most of the people in Congress are lawyers. Changes in our laws to get rid of lawsuits will not happen. The trial lawyers associations are big campaign contributors.
      I was an insurance claims adjuster. I retired early because I could not stand the lying, cheating, thieving, SOB's and their clients.

49. QUESTION:
    Property & Casulty Insurance Agent?
    I have recently moved to Canada from USA where i was in the field of Auto/Home Owners Insurance and am wishing to continue my career in the same field. Is there someone who can help me with the licensing requiremets to work as well as license to become agent/broker. I need to talk to someone, to understand in detail, what is needed to be done and what kind of licenses are required.

    • ANSWER:
      I am a broker in Manitoba. Our licences are transferrable, and the process is similar in each province. Start by calling the brokers association and the council. Between these sources you will find out licence requirements, training availability, if you have transferable credits, and what opportunities there may be.
      http://www.ribo.com/
      Registered Insurance Brokers of Ontario
      http://www.ibao.org/
      Insurance Brokers Associaton of Ontario

50. QUESTION:
    If USA becomes socialist...?
    Does that mean I can drop out of school, work at some easy job filing paperwork and earn the same amount as a lawyer, doctor, programmer?

    Sweeeeeet Oh wait, then who would want to become a doctor? Eh, the government will take care of it, screw med school, ima be a video game tester and make ,000 a year just like the doctors!

    Even better, i'll tell my female friends to get prego and not get a job. Free food stamps and welfare! Yayyyyy

    Oh, too bad if I find any money on the ground, I'll need to share it with everybody... Damn, but hey, free health care. Probably auto insurance too =D Horray socialism!

    Then again, once the public executions start for dissenters... Oh wait, less people I need to share with. Yaaaay moar money! Life is great when we're all equal eh?
    Wow, how many people can't tell i'm trollin jeez? Maybe I need school, but you guys need to learn common sense. Well, not all of you, just the communists.

    As for the Sweden comment, crime is a huge problem in many areas, law enforcement, high taxes, and of course its current financial crisis which has arisen from too many "free" things which has left many unemployed.

    • ANSWER:
      Contrary to what a lot of the other respondents had to say, I enjoyed reading your question and even though I know you were exaggerating to make a point, I really don't think you were that far off from reality. I feel exactly the same way and I like the way you expressed it ................. sticks and stones may break my bones but thumbs down will never hurt me.