Managing Your Insurance Policy

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Can an insurance company take my car?

An insurance company might label your car a total loss if the cost to repair it to its pre-damaged state surpasses the vehicle’s actual cash value or worth. Even though insurers follow certain state laws, they are also allowed to set their own guidelines for totaled vehicles. What this means is that an insurance company...

An insurance company might label your car a total loss if th...

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Can I tow a car with no insurance?

Except for New Hampshire, it’s illegal to operate a vehicle without insurance anywhere in the U.S. There are punitive measures taken against drivers without insurance. Law enforcement officers often impound uninsured vehicles. Uninsured motorists have increased over the years, if one is caught driving without coverage, the car may be impounded by a police officer...

Except for New Hampshire, it’s illegal to operate a vehicl...

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Can you get an extension on your car insurance payments?

When you don’t pay your auto insurance, your auto insurance policy cancels. Auto insurance contracts may be full of legalese and policy language that’s difficult to understand, but one thing that every policyholder needs to know is that they’re required to pay their premiums before their insurer will ever agree to insure them after they...

When you don’t pay your auto insurance, your auto insu...

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Can you get car insurance if your policy was canceled?

You can absolutely get car insurance if your insurance policy was canceled. However, the reason it was canceled may affect the price of your new policy, especially if it was canceled for a reason that put you into the high-risk category. If you need car insurance after receiving a cancellation notice, you can use a...

You can absolutely get car insurance if your insurance polic...

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Can you cancel car insurance before it starts?

If you’re a planner, you like to know where you’re going to buy insurance before your existing policy even comes up for renewal. You know that you’re not satisfied with the carrier you have now but you aren’t quite sure where you should buy coverage. Shopping around is the only way that you can achieve...

If you’re a planner, you like to know where you’...

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Can you extend car insurance for a month?

There’s no way to buy an auto insurance policy that will last from the moment that you buy a car until the moment that you sell it. It’d be nice to be able to budget to pay the same premiums each and every month for as long as you’re a vehicle owner, but this simply...

There’s no way to buy an auto insurance policy that wi...

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Can the police tow my car for no insurance?

Going without insurance isn’t anything at all like going without cable or a cell phone. Cable TV, Internet, cell phone service and many other things in life are classified as luxuries. Having them makes life easier and more enjoyable but not necessary. Auto insurance is not just something that’s helpful, it’s something that’s mandatory as...

Going without insurance isn’t anything at all like goi...

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Can you sue your own car insurance company?

It is possible to sue your car insurance company, and it happens more commonly than you may think. The main reason people sue their car insurance company is that they refuse to honor a claim, which falls under the category of bad faith. Be sure to look at an insurance company’s history before signing up with...

It is possible to sue your car insurance company, and it hap...

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Can you renew your car insurance early?

Can you renew your car insurance early? Renewing your car insurance policy is important. It gives you the chance to review any changes to your upcoming policy term and choose whether you want to accept or deny coverage with your current car insurance carrier. Find out if renewing your car insurance early is an option...

Can you renew your car insurance early? Renewing your car in...

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Can you get car insurance if you owe another company?

Are you between car insurance policies and owe a previous company for late premiums? Was your car insurance policy canceled due to non-payment? Can you get if you owe another company money? Canceled insurance is a common problem that many car owners experience if they failed to pay their premiums on another policy. But don’t despair....

Are you between car insurance policies and owe a previous co...

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Can you claim car insurance as a business expense?

Choosing to classify your car insurance as a business expense is not a simple process; there are different stipulations you must meet before you can claim it as such. If you have car insurance that you use for business reasons, make sure that you carry the correct insurance that meets your business needs. It’s important...

Choosing to classify your car insurance as a business expens...

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Can my car insurance be backdated?

Can car insurance be backdated? If you’re pulled over by law enforcement, one of the first things the officer will ask you for is proof of insurance. Drivers who inform the officer that they aren’t insured will be cited not only for the primary violation they were stopped for but also for failing to carry. Drivers...

Can car insurance be backdated? If you’re pulled over...

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Can you have car insurance from another state?

The cost of car insurance can vary drastically from one region to another. In fact, people in Detroit, MI, will pay eight times more for the same coverage when compared to residents of Montgomery, AL. Before an insurance company can determine your premium, they have to know where you live and where the car is...

The cost of car insurance can vary drastically from one regi...

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Can I add another car to my insurance policy?

When you decide to add another vehicle to your insurance policy, there are several factors that both you and your insurance carrier will consider. Each insurance carrier has a different set of rules and guidelines for adding vehicles and changing an existing policy, so it’s important that you work within the bounds of those rules....

When you decide to add another vehicle to your insurance pol...

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Can someone else carry insurance on my car?

Carrying up-to-date car insurance is one of the responsibilities that come with car ownership. In general, if you are the registered owner of a vehicle, you will be responsible for purchasing insurance coverage. However, there are a few situations where someone else might carry insurance on your vehicle. Make sure you have the coverage you...

Carrying up-to-date car insurance is one of the responsibili...

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Can a minor get car insurance?

It’s not common that a minor wants to buy their own insurance policy. While most teens do want their independence, they want it in ways that won’t cost them a significant amount of money. Since auto insurance costs for teens who have just recently been licensed are high under any circumstance, they are even higher...

It’s not common that a minor wants to buy their own in...

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Can a car insurance company refuse to pay out?

Car insurance companies can refuse to pay out claims, but the denials must have a valid reason. If your claim is denied for no reason or a reason you feel is unfair, you can appeal. You can also change car insurance companies by using a comparison tool to shop for better coverage with a different...

Car insurance companies can refuse to pay out claims, but th...

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Can a car have two separate insurance policies?

It is not very common at all for there to be two auto insurance policies for the same car because it is prohibited by almost every major car insurance company in the U.S. Instead, the typical arrangement is for there to be one insurance company for every car registered to an individual owner. There is...

It is not very common at all for there to be two auto insura...

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Can you leave a car parked on the street without insurance?

Having insurance is a must when you own a car. If you want to enjoy the freedom of owning your own car, you’ll have to pay for the vehicle and for insurance expenses so that you’re always in compliance with state law. That coverage that you purchase, no matter how minimal the limits are, will...

Having insurance is a must when you own a car. If you want t...

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Can car insurance companies charge a cancellation fee?

There is nothing stopping you from being able to cancel your auto insurance coverage with your current provider, but they may be able to charge you a small fee for canceling your policy. If there is a cancellation fee that is typically charged by your auto insurance provider, this amount will be listed in your...

There is nothing stopping you from being able to cancel your...

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