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4 December 2008

How can you get an auto insurance license?

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How can you get an auto insurance license?



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to sell auto insurance you must find what is called an \”underwriter\” or the people who pay if your insured has an accident. they will tell you what you need to do to sell their policies. look under \”underwriter\”.

Since the enactment of the McCarran-Ferguson Act of 1941, insurance companies and insurance brokers/producers have been licensed under the jurisdiction of their state of residence.  One does not need an underwriter to become licensed.  You will find the department of insurance as a part of your state government.  Each state has different licensing laws, continuing… Read the rest of this entry

29 November 2008

Can you insure a car in another state if you are not the primary driver?

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Can you insure a car in another state if you are not the primary driver?

Should this be any more complicated than to simply keep paying the premiums on the NJ car to the NJ insurance company? I don’t think they would really care where you are as long as they are told where the car is garaged and who is the primary operator.

Answer

My daughter is presently going to college in another state and will be using one of her uncle’s cars that is owned by his business, but he does not want to insure her or put her on his insurance, i added her to my policy in the state of hawaii for her permanant residency is here in hawaii, how do i go about doing this?

Answer

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29 November 2008

What is the best way to get car insurance when you are moving from out of the country?

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What is the best way to get car insurance when you are moving from out of the country?

Answer

That depends a lot on if you are military or not. USAA and Progressive are two companies that have good outside the US policies.

If you are non military / civilian, I would contact the larger carriers and find out if they also service Canada.

29 November 2008

If your child gets a learners permit do you have to add them to your policy?

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If your child gets a learners permit do you have to add them to your policy?

Answer from a General Agent

Yes, A Drivers or Learners “Permit” is permission to drive and therefore a temporary license with certain restrictions. If your child is driving your vehicle then the child must have the coverage required by your states law. A Drivers Permit comes with all the responsibilities of anyone who operates a motor vehicle on public roads, including financial responsibility. When you purchased your auto policy, part of the language of the insuring contract requires that you notify the insurer within 30 days of any change in risk factors associated with your policy. Failure to add a new driver to your policy, especially a minor child, can consititute material misrepresentation of the risk assumed by your… Read the rest of this entry

29 November 2008

What is the relationship between auto insurance and health insurance?

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What is the relationship between auto insurance and health insurance?

This is not accurate information. Because the billing will be generated by the medical provider, they are going to bill the most likely source of reimbursement. That will be your health insurance. They (health insurance carriers) are bound by a contract with the insured (usually via an employer) to provide coverage for a wide variety of treatment in a wide variety of venues. The providers don’t care much what coverage you have beyond this health insurance and it is NOT their problem or responsibility. They will simply bill the most obvious source. They are in the business of providing medical treatment and not collections. If you don’t provide or have health insurance, they will simply bill you. If you DO have coverage somewhere, they still will not… Read the rest of this entry

29 November 2008

Can auto insurance companies demand information about people who live with you?

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Can auto insurance companies demand information about people who live with you?

Auto insurance companies

The insurance company can ask you a lot of things that you don’t think are any of their business, but if they are insuring your auto, they have every right to ask about all licensed drivers in your household as well as anyone who may have access to your vehicle.

More input from FAQ Farmers:

  • Unfortunately yes they can, technically the National Highway Traffic Safety Administration (NHTSA) requires them to do so as part of the agreement of being a legitimate licensed insurance carrier. Remember, anyone withheld from the policy who drives and causes a claim they will laugh and deny the whole thing. You will then need a good lawyer.
  • I

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29 November 2008

Will your auto insurance cover your relatives with international drivers permits?

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Will your auto insurance cover your relatives with international drivers permits?

Auto insurance

I always add my relatives to my car insurance when they visit me and drive mar car, even it is for a 2 week visit. I do not want to get in a legal dispute for that little cost it could be avoided!

29 November 2008

In Florida are you still covered for 3 weeks even after non payment and they cancel you?

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In Florida are you still covered for 3 weeks even after non payment and they cancel you?

Cancelled insurance

“They cancell you” What part of “Cancelled ” don’t you understand?

The insurance company is a BUSINESS, if you don’t pay them on time, they CANCEL you. BE an adult and take care of your responsibilites.

Ok, Here is the thing! You also get what you payed for!!! Understand that if you payed for three month’s, you have three months of insurance. If you, have not paid for this three weeks—then you are $hit out of luck. Pay off your, debt -it does go against your credit.

29 November 2008

How much money do you get if your car is totaled?

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How much money do you get if your car is totaled?

Totalled Vehicle Value

You will receive the fair market value for your vehicle. An insurance company is only required to compensate you at the fair market value. This may be more or less than is still owed on a vehicle if it is still under a finance note The amount still owed on any finance note has no bearing on the current market value of your vehicle.

The easiest way for a layman to determine the fair market value is simply to look around at other similar or preferably same type vehicles currently for sale in your area. Look for same type vehicle with similar options, similar mileage and wear. After finding several vehicles for sale, determine the average sale price of those… Read the rest of this entry

29 November 2008

How is PLPD insurance different from no-fault or full coverage auto insurance?

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How is PLPD insurance different from no-fault or full coverage auto insurance?

PLPD stands for Public Liability and Property Damage. It satisfies your obligation to the state, and offers no coverage to your vehicle’s damage.

PLPD also does NOT cover theft, fire, comprehensive, or loss of use, nor does it cover repairs, or replacement in case of damage.

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