Frequently Asked Questions

Q:
I'm moving to a state with "no-fault" auto insurance--what exactly does this mean?
A:
In most states, auto insurance functions under a traditional fault-based system. Under this system, insurance companies make payments based on each person's degree of fault in an accident. However, long and costly court battles may be required to determine who was at fault in many accidents. In an attempt to reduce this problem, thirteen states (CO, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, and UT) have adopted an alternative no-fault system of insurance.

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Q:
If someone borrows my car, are they covered under my auto insurance?
A:
People are often confused as to who is covered under a standard auto insurance policy. There are typically only one or two names listed in the "Named Insured" section of an auto insurance policy, but that doesn't mean that those are the only people who are covered under the policy. As a general rule, auto insurance coverage actually follows the vehicle, not the driver. So if your car is involved in an accident, the car typically receives the full coverage provided by the auto insurance policy, regardless of who is driving.

Q:
I heard that some companies cancel people's insurance if they have just one claim. Is this true?
A:
Actually, it's very unlikely that any type of insurance would be canceled after you file a single claim. However, filing a claim could increase your premium on certain types of insurance.

 

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