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Adding a Relative to Your Insurance PolicyPost

Adding a Relative to Your Insurance Policy

Some types of insurance allow you to add close relatives, but others do not make such provisions, or have specific regulations that have to be adhered to. In the case of minor children, elderly or other dependents, most policies which allow such additions have clauses which explain who is eligible. Your policy is perhaps the best place to start looking for information about adding a family member, because most policies are very clear about what the coverage includes or who is excluded.

Some types of insurance allow you to add close relatives, bu...

Determining Fault in a Multiple Car AccidentPost

Determining Fault in a Multiple Car Accident

When you are involved in an accident that involves 3 or more vehicles, it might be confusing to determine who is at fault. In most states, there are simply rules in place to determine who is at fault, but it comes down to a simple problem of who caused the pileup to begin. Determining who is at fault is really a simple matter, even in a multi-car accident, and can be decided by asking all of the drivers involved one simple question.

When you are involved in an accident that involves 3 or more...

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Adding a Friend to Your Car Insurance Policy – Weighing the Pros and ConsPost

Adding a Friend to Your Car Insurance Policy – Weighing the Pros and Cons

Since the auto insurance industry operates on a model of assumed risk, your carrier is going to want to know who is driving your car. In fact, most companies want you to provide them with a listing of all the people that might drive your car at some point. That way they can assess how much of a risk those people are. Since having some kind of car insurance coverage is mandatory in most states, you will likely be supplying your own list of people that will be driving your car to your insurance company. For most people this will be a small list of family members, but you may have a need to add a friend to the policy at some point.

Since the auto insurance industry operates on a model of ass...

Why You Should Always Take Pictures After a Car AccidentPost

Why You Should Always Take Pictures After a Car Accident

In most accidents, the circumstances which led up to the collision are fairly easy to identify, but there are always cases which are disputed or where the fault of the accident is difficult to ascertain after the fact. For times like those, there is no substitute for having photographic evidence that can be presented in a court of law.

In most accidents, the circumstances which led up to the col...

Lending Your Car to an Uninsured Driver Can Be ProblematicPost

Lending Your Car to an Uninsured Driver Can Be Problematic

There may come a time when you want to lend your vehicle to someone else. Before you let anyone get behind the wheel of your care, not matter who they are, be sure that they are listed on your insurance policy. The people that want to drive your care need to be licensed and listed in order to be covered on your policy. But before they are covered, you need to notify your insurance company.

There may come a time when you want to lend your vehicle to ...

How to Document Damage for Car Insurance ClaimsPost

How to Document Damage for Car Insurance Claims

If you are involved in an accident, taking a few minutes to get your documentation together can help you file a successful claim. Documenting damage for car insurance claims means gathering statements, taking pictures, and finding out what the costs are going to be. If you are not charged in the accident and present documentation to back your claim, the process can be settled in only a few days, but not having the necessary documentation could stretch the claim out for long periods.

If you are involved in an accident, taking a few minutes to ...

Identifying a Car Insurance Company Using a Policy Number [Expert Advice]Post

Identifying a Car Insurance Company Using a Policy Number [Expert Advice]

No one ever hopes that they will be involved in an accident, but if you have one, you hope that it will be relatively stress-free. Unfortunately, this isn't always the case. It's not uncommon for an individual who was involved in a car accident to give the other party incomplete insurance information. Sometimes this is done purposefully because they don't want to file a claim on their insurance and admit fault or they're hiding the fact that they are uninsured. If you find yourself in this situation and have just a policy number to find an insurance company, all hope isn't lost. There are a few steps you can take to get the information you need.

No one ever hopes that they will be involved in an accident,...

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