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Auto insurance helps pay for the injuries and damage that can happen when you own and drive a car or other motor vehicle. This brochure can help you compare policies and make informed decisions when you buy auto insurance. It can help you understand your auto policy. Your policy is a legal document, and it is important that you understand it. Your motor vehicle may be an auto, truck, van, motorcycle, or another kind of private passenger vehicle.
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If you do not show proof of insurance when asked, you will get a ticket. If you do not have any insurance, your license may be suspended and your vehicle could be impounded. Remember, driving is a privilege, not a right.
Your insurance company will send you a card to show proof of insurance. It lists the insured vehicles and the name of the policy owner. It also shows the policy number and the dates the policy starts and ends. Keep this card in your car.
There are no specific time limits for the settlement of claims. Insurance companies legally have to pay all claims in a prompt and reasonable amount of time. What a "prompt and reasonable" amount of time is may be different for each claim. Some claims that need a more thorough investigation may take longer to figure out. For example, bad weather often causes more claims to be filed. A lot of claims related to bad weather may take the insurance company extra time to handle.
Yes, if you have comprehensive coverage on your auto policy you are covered for the loss after you pay the amount of any glass deductible you chose. While many companies default to having no glass deductible, a glass deductible is permissible in Massachusetts. Having a glass deductible usually decreases the cost of Comprehensive coverage and generally makes the overall cost of the policy lower. However, this means you will be responsible for paying for the repair or replacement of your windshield up to your deductible, which may end up being the full cost.
If the damage to your car affects how it can be driven safely, the insurance company will pay to repair it with an OEM part. For non-safety parts, unless your claim occurs during the first 20,000 miles on the auto's odometer, the insurance company does not have to pay for OEM parts. For autos with more than 20,000 miles, state regulation allows for the replacement of damaged parts with used, reconditioned or after-market parts. You can insist on OEM parts, but you will have to pay the difference in cost.
The insurance company has to pay the storage charges until it makes a reasonable offer to settle your claim. If you dispute the amount of money offered by the company and the company changes its offer, this does not necessarily mean that the first offer was unreasonable. If you and your company disagree over what is reasonable, your policy has a process you can follow to work out the disagreement.
It depends on the agreement that you sign with the rental car company as well as the language in your own policy. You should talk to your insurance company before signing an agreement to rent a car. Keep in mind that your credit card might also offer some insurance coverage for rental cars if you use your card to pay for the rental. Again, you should discuss with your insurance company about whether any coverage provided via your credit card company is primary, secondary or excess.
That depends. If you have a Waiver of Deductible Endorsement added on your policy and meet the criteria as outlined in the endorsement your company will waive your deductible if certain requirements are met. For example, common requirements are:
While most insurance companies use the same Waiver of Deductible Endorsement, you should check with your carrier as to the particular language of your endorsement. Without the endorsement attached to your auto policy, there is no requirement that the company waive your deductible, regardless of any at-fault or not at-fault findings. There may be situations in which your company decides to return your deductible to you . This would be as a customer service, but they are not required to do so.
It depends. In October 2021, the Massachusetts Supreme Judicial Court (SJC) issued a decision saying for the first time that the diminished value caused to your vehicle by a collision with another vehicle may be recoverable from the at-fault party for claims filed involving the 2008 edition of the Standard Massachusetts Automobile Insurance Policy.
Yes. They can deny a claim if any of the information on your application is false. The single most important thing you can do to protect yourself from a claim denial is to make sure that all of the information you give to your insurance company is complete and accurate.
If you or someone on your behalf gives false, deceptive, misleading or incomplete information on any application and if that information increases the insurance company's risk of loss, your company may refuse to pay claims under any or all of the Optional Insurance coverages of the policy. You must state where your car is garaged most of the time, regardless of your listed address. You must also list all the licensed drivers who are likely to drive your vehicle. This includes people who live with you (family and roommates) who do not have their own auto insurance, and also people who use your car on any kind of regular basis.
Many of the most popular insurance companies will allow you to get a quote and buy car insurance online immediately. And you can often buy coverage on your phone or tablet, so you don't even need a computer to do it.
If you already have car insurance, you'll want to choose the day that your current car insurance ends so there's no gap or overlap. If you don't already have coverage, choose the date you will own your car. If that's today, choose today. If your car won't be ready until two weeks from now, buy it for then.
In some circumstances, it's possible that an insurance company won't be able to provide you with insurance coverage right away. This might be because the company is missing key information about you that it needs to set your rates.
There could also be something about your current situation that means the insurance company needs more time to set your rate or approve your coverage. You may be looking for coverage for a rare or high-value car that isn't in the insurance company's price database. Or a checkered driving history may mean an insurance company doesn't offer you a quote at all.
While there's no denying that it's convenient to buy car insurance on the same day you need it, it's not your only option, and there are benefits of planning ahead. If you purchase coverage in one day, you'll have less time to find the lowest prices for car insurance, which is the best way to save money on your insurance premium.
Additionally, some insurance companies will give you a discount for buying insurance ahead of time. Not every company offers this discount, but if it's available, you can save 3% to 10% for buying in advance. For example, American Family gives you a discount if you buy your insurance more than seven days in advance.
Yes! Your car insurance policy will usually go into effect immediately after you purchase it. You can buy a policy online on your phone from anywhere, and you will be covered immediately. But keep in mind that the best way to find the lowest price is to compare quotes from multiple insurers, and that may be hard to do if you're buying a policy at the last minute.
Not necessarily. Car insurers don't charge extra just to activate your policy immediately. However, some insurers, like Travelers, do offer an advance-shopping discount for buying a policy that starts more than a few days after you buy, so you could be missing out on a possible discount by buying a policy the day you need it.
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No. In fact, you need to keep your car insurance if the vehicle is still registered in your name. Even if you aren't driving, you may risk fines or a license suspension if you own a registered vehicle but don't have insurance. Canceling your insurance will also lead to a lapse in car insurance coverage, which may mean higher rates in the future. If you're purchasing a new car, you can contact your insurance company to add your new car to your current car insurance policy. If you aren't buying a new car right away, you could also swap to a non-owner policy in the interim.
If you choose to cancel your policy, have a copy of the bill of sale ready when contacting your insurance company. This will prove that the car is no longer in your name, and you're not legally required to hold insurance. Depending on your state, you may also need to notify your DMV after canceling an insurance policy.
You can keep your car insurance after selling your car, but you'll need to make some adjustments. If you're buying or bought a new car, you can easily add it to your current policy. You typically need to provide the VIN, car make and model, and lienholder (if applicable) when adding a new vehicle to a policy. Note that your rate may change based on the make and model of your new car.
Before deciding what will happen when your car lease ends, you must first know how much your car is currently worth. You can do this by using online value and pricing tools from sources like Kelly Blue Book and the National Automotive Dealers Association. In addition to (or instead of) that, you can have your local dealership or an online used-car retailer make an offer on buying the car.
If you are considering a lease buyout, first confirm with the lessor or dealer that it is an option. Or you can refer to your monthly leasing statement to find the payoff amount if a lease buyout is permitted. 041b061a72