Jan 31, 2012

Your auto insurance

Some car insurance companies make a lot of assumptions about you and your car usage. We don’t assume, we ask. We feel it’s important to understand you and how you use your car, so you only pay for car insurance that you need.
For example, if during the week you use your car less, or park in a secure area, you should pay less for your car insurance. Or if you’re a pilot, a stay at home parent, a retiree, or work from home and generally use your car less, you should also pay less for your car insurance. We believe fewer assumptions means a better understanding of you that should equate to lower car insurance premiums.
The first step to locking in extra savings is to fill out our easy step by step quote form. The entire process can be done in 5 minutes and at the end you are instantly provided with the lowest Canadian car insurance quotes available from our network of licensed insurance professionals. It really is that simple.

No matter where you live in Canada, you should be able to find an insurance broker or agent to meet your needs.

Insurance directory has a broad selection of insurance brokers in every Canadian province and territory.

Save on insurance

Insurance policies are one of the few things we buy in the hope of never having to use - but they're costing more than ever.The average car insurance policy rose by 15% to £971 last year while home insurance cover costs went up 6% to more than £200, according to the AA's premium index.

In public, the insurers blame the usual issues - mainly the cost of personal injury claims. But in private, they admit many Britons are paying too much by over-insuring and adding extras to policies that they don't need. Here - in many cases on condition of anonymity - they reveal how Britons can cut the cost of insurance.
Save-on Insurance Services provides rates from multiple California Insurance companies for each of the following insurance coverages. Each quote will provide you with the information you need to make an informed decision.

Budget insurance

Feel like you do not have the time to shop for an online insurance quote?
No matter what your needs, be they auto, homeowners, health, life, etc.
One of the important aspects to remember when you look for an insurance quote is that you should receive multiple insurance quotes so that you have some variety with which to choose from. Obtain several insurance quotes to compare without the headache of doing the work by yourself.


Budget provides a comprehensive range of affordable insurance products for more than a quarter of a million customers. Established in 1992, it has grown to become one of the most recognisable and popular insurance providers in the UK market.

Insurance groups


Car insurance groups give an indication of the cost of insuring a particular car. They obviously don't tell you exactly how much the insurance is going to cost as so many factors are involved.
If cheap insurance is important to you then choosing a car with a low insurance group is critical. This particularly applies to younger drivers, or drivers with recent claims or convictions.
To an mature driver without any recent speeding fines and a full no claims bonus, the insurance group won't make a huge difference in your premium - yes, of course you'll pay a lot more for your insurance on a group 20 car than you would on a group 1, but the difference will be probably be hundreds of pounds rather than thousands. Conversely a younger driver with any convictions or claims will find it almost impossible to get insurance on a car that falls into any of the highest categories.
Even for drivers with good driving records, some insurers won't be interested in the very highest groups. We found some wouldn't touch anything over about 18 and there may be others who prefer to stick to the cars in groups 1 to 10. When looking for insurance on a Porsche Boxster S, we also found one or two insurance companies who would only insure a maximum value of £40,000 so the that excludes new models of most of the Porsche range as it doesn't take many Porsche options to push the cheapest models over that limit, and the Boxster S at the time was around £40,000.
The insurance groups in our lists have been compiled from a variety of sources. In our experience there seems to be some difference of opinion on the exact group for many cars; in these cases, our data reflects an average figure. Our Insurance Group figures are never intended as an absolute guide, rather they're an indication of which cars are going to cost a lot to insure and which cars won't. For precise figures we recommend you contac your insurance company, broker or agent. They will have a list of insurance groups for almost every possible vehicle and that will be the insurance group used to set the price for your insurance.
As always, our advice is to shop around for insurance whatever your circumstances are. You can almost always find a cheaper quote, though do take note of the level of cover offered; there is no point getting 'cheap insurance'; what you want is good insurance for the lowest possible price.


If you're changing your car you'll want to think about the cost of insurance before you commit to buy. The insurance group rating is the key.

Most new cars are assigned to an insurance group – a rating between 1 and 50* that indicates the level of risk as seen by the insurers.

Insurance group ratings are advisory - insurers don't have to follow them.

Insurers take many factors into account when setting premiums but with all else being equal, the lower the group number the lower the insurance premium should be. This means that the insurance group can give you an idea of relative insurance costs when comparing different models.

Specials, such as kit cars, imports and conversions are generally not covered by the insurance group rating scheme.

Jan 13, 2012

Car and motorcycle insurance

Buying a used car on a budget isn’t just about the purchase price. You also need to think about the added costs such as insurance, road tax and fuel.
Cars registered between 2001 and 2006 were set to be subject to tax rises, first in 2009 and then again in 2010, while others would have become worthless with the added increase. However Chancellor Alistair Darling has bought some relief to these car drivers by putting off the rise for another year.

However, drivers of cars registered after these dates have not been so lucky. The freeze will not apply to these cars and drivers will still have to pay the increased costs announced earlier this year.

Although the rises were implemented as an incentive for people to opt for smaller and more fuel efficient cars, it appeared to unfairly penalise owners of larger older cars which included low income families.
We agree the value of your bike with you and take into consideration the care you have given it and any improvements or modifications you have made. In the event of a total loss, you will recieve the full agreed value, less any applicable excess.

Insurance information

Having Your Car Assessed For Insurance Purposes
Upon signing up for an auto insurance policy, you will be asked a plethora of questions. They will firstly want to know when you got your driver's license, how many accidents you have had and who else will be driving your motor vehicle. Regardless of what you tell the company, most of their information comes from their computer system, where all your driving history and license information has been loaded into a general database for these sorts of purposes.



The insurance company will also be able to determine whether or not you have a criminal record and a good credit report. In addition to all the information they can find on you as a driver, they will also have pre-specified information on the type of car you are insuring. The insurance company will ask you what make and model of car you are driving, and if your car has a good security system such as an alarm or immobilizer.



No matter what you have told your car insurance company about your motor vehicle, they already have prerequisites about it on their system. For example, they will know whether or not the car you are driving is a popular target for theft, or whether it is notorious for being in collisions. The safety standards of your car will also be on their system too. The insurance assessment of your motor vehicle is imperative! Your cover will not be complete until you have had your car assessed. When you take your car to be assessed by your insurance company, they can verify that you are actually driving the make and model which you said you were. Furthermore, they will be able to tell whether there are any dents and scratches on your car already, so that you do not claim from them for damages that were not caused by a future collision or theft attempt.


Also, if you have had your car's CD player insured, they will want to check whether or not you have the right radio for the value you have stipulated. Your existing alarm and security system will also be taken into consideration. Having your car assessed is not something that you can put off, because it is the sealing deal and ensuring your car is completely covered.

Another area to ask about when making the call is if your valuables are insured. On a standard homeowners insurance policy, coverage limits for jewelry, furs, watches, and related items is only $1,000 combined. You can learn more about making sure your valuables are insured here:
Are You A Home Owner with Insurance that Limits Coverages on Valuables?

Car motorcycle insurance

How Crime Affects Your Vehicle Insurance Premium Crime is something that has touched everyone’s life, either directly or indirectly. No one ever wants to experience that sinking feeling when walking out into a parking lot only to find their car has been broken into, or worse, is missing! Unfortunately crime is usually a direct result of poverty which leads to desperation, and the theft of motor vehicles can be a quick and relatively easy way of making some fast cash. The best thing you can do is to ensure that your car is protected in case it becomes a victim of crime.
Although crime can be a scary thing to have to face, it is better to actually face it than to try and hide away and believe it will never happen to you. The first and best thing you can do is to ensure that you have sufficient car insurance coverage, which will reach into the theft of your motor vehicle, and the theft of any goods inside your motor vehicle. The next thing you need to do is to ensure that you have taken all the necessary security measures possible. This includes installing an alarm system and tracking device and perhaps an anti-hijacking device on your vehicle too. You can even get a gear lock that will prevent someone from trying to drive your car without the keys to unlock it. This is why auto insurance companies will grant you a lower premium if you have installed these security measures. They know your car will be at a lower risk of being stolen, and this is how your insurance premium is directly affected by crime. When installing your car radio, be sure to install one that has a removable face which you can take with you whenever you leave the car, so that you do not draw attention or make your car look like a worthy target to break into. One of the scariest things that can happen to anyone is being hijacked. When you are hijacked the thieves will usually steal the car from you whilst you are in it. This makes it easier for them to drive away, as they will have the keys of your car and any alarm system will be deactivated. This is why it is important to install an anti-hijacking device onto your vehicle. This will cause the vehicle to stop operating whilst the person is driving, if they do not know where the anti-hijack button is! Furthermore, you can try and prevent a hijacking in the first place, by always being vigilant when you stop at a red light or a stop street. Be alert for any people wandering nearby, and any cars that stop near you with suspicious persons inside. If you see anyone leave a vehicle near you when you have stopped, make as much noise as possible with your car and drive away if it is safe to do so. It is never a good thing to live your life in fear, but you also need to be realistic and know that crime is all around us. Taking the necessary preventative measures can save you a lot of heartache and financial distress later on, should you become a target of crime. The insurance industry realized that consumer needs were not always being met with long term care insurance policies. While traditional long term care health insurance policies were satisfactory for some, many others wanted more guarantees in the event their long term care policy was never used. Thus, these traditional policies added a “return of premium” rider. If the policy was not used over a set period of time, say 10 years, then the insurance company would return a portion of the premiums to the policy owner or a family member. This, like any other rider, came at an additional expense to the purchaser.

Traffic insurance

This section defines compulsory road traffic insurance and provides you with information about when you need to take out such traffic insurance as well as what happens if your vehicle is uninsured.
What is ‘traffic insurance’?

Traffic insurance is compulsory insurance (sometimes called 'third party insurance') which provides compensation in the event of certain kinds of road traffic accident. Some examples:

Anyone injured in an accident involving an insured vehicle will receive compensation for personal injury. This applies to both drivers and passengers.
This compensation may be reduced if the injured person has knowingly helped bring about the injury through intent, gross negligence or other negligence in conjunction with drink-driving.
As a basic rule, if a collision with another vehicle causes property damage, this damage will be paid for by the traffic insurance. If you have caused the accident, your insurance will compensate the damage. If the person with whom you have collided is responsible for the accident, this person's traffic insurance will compensate the damage.
If you collide with something other than a motor vehicle (for example, a lamp post), the property damage is usually compensated by your traffic insurance.

Please note that you will not receive compensation for
damage to your own vehicle,
goods being transported if you have caused the damage yourself.

All motor vehicles used on the road must be insured under the Motor Traffic Damage Act (1975:1410). You can take out other vehicle insurance (comprehensive or third party, fire and theft insurance) if you so wish.

If the vehicle only has traffic insurance, you will not be compensated for, for example, malicious damage, fire or theft.
Who should take out traffic insurance?

The registered owner of the vehicle must take out traffic insurance.
When should you take out traffic insurance?

You should take out traffic insurance when you become the owner of a motor vehicle. This insurance must be taken out from the day on which the vehicle is used on the road (licensed for use) or immediately if the vehicle is already on the road. You do not have to take out traffic insurance if an off road notification has been made for the vehicle.
When can you give notice terminating your traffic insurance?

You can give notice terminating your insurance if you:

sell the vehicle,
make an off road notification for the vehicle,
deregister the vehicle,
take out new traffic insurance with another company.

One precondition for terminating your insurance is that the current vehicle details are registered with the Swedish Transport Agency.
What happens if your vehicle is uninsured?

If you have not taken out traffic insurance, you will automatically be reported to the Swedish Association of Motor Insurers and will have to pay a charge. This charge is considerably higher than the premium that you would pay for ordinary traffic insurance.
Car Insurance Comparison – The easy way.

Compare autos

Hot on the heels of Detroit, the 2011 Montreal Auto Show kicked off the Canadian car show season in style with some important debuts from Hyundai, Nissan, Mercedes-Benz, Toyota and others.
Honda is calling this 2011 Civic a concept, but don't expect the next-generation of the perennial best-seller to look much different than this.
The much talked about Nissan LEAF finally made its first public appearance in Canada at the 2011 Montreal Auto Show.
Two vehicles may look very similar and appear to have few noticeable differences on first glance, but there can be many hidden inequalities between them. You may already be aware of price differences, but there could also be fluctuations in the miles per gallon, standard features, basic warranty, safety ratings, engine power and many other things.

Gap insurance price

Car Insurance And Secondary Drivers.
The best way to get value-for-money auto insurance rates is to compare the quotes from as many top insurers as possible.

Car insurance is a necessity, and in some countries, it is even illegal to drive without it! Unfortunately car insurance is also very expensive, especially for younger drivers under the age of 25. A lot of young adults who are under 25 are insuring themselves on their parents' policies to save money. This is a dangerous thing to do, for both the parent and the child. We will discuss why this can be dangerous.

Firstly, there is no problem with young adults being a secondary driver for a vehicle on their parents' policy. This is if they are in fact a secondary driver. It is considered fraud if a child is listed as a secondary driver on a policy when they are in fact the main driver of the vehicle on the policy. It has come into being, with the current economic crisis, that a lot of young drivers are resorting to this fraud, thinking that they will at least be insured, and it costs a lot less for them. Unfortunately, if they have an accident and the car insurance company finds out that they are the main driver of a vehicle they were listed as a secondary driver for, this will be considered as insurance fraud, and the insurance company will be within their full right not to pay out.

So why are young adults turning to their parents car insurance policies instead of taking out their own? Well the financial crunch that has come into play recently has to be taken into consideration. People are just completely unable to afford to take out their own car insurance policies. Sometimes even the cheapest option is just not affordable for them either. Putting themselves on their parents' policies can be a cheap, easy way out, especially if it is illegal to drive without car insurance in their country. In a lot of cases, these young adults are even purchasing their own cars, registering it in their own names, but then putting the vehicle on their parents' insurance policy and naming themselves as a secondary driver when they are indeed the main driver.

This is a silly situation to put yourself in. Sure, the money saved on premiums every month can add up to a lot, but it will land up costing a lot more money in the long run when the insurance company does not pay out if they discover the fraud committed.
you get:

quick and easy access to the top insurers;
guidance on how to make good decision on which policy to buy; and
usually hundreds of dollars in savings!
It is better for young drivers to look into all their options for obtaining an affordable vehicle insurance policy. By driving a small, easy maintainable vehicle, you will get a lower premium, as will installing a good alarm system on the car. This lowers the risk that associated with younger drivers.

Coverage characteristics of auto insurance

When shopping for insurance, please remember there are factors to consider other than price,such as the level of service offered. Your premium will vary depending on the coverages youchoose, your driving record, the type of vehicle you drive, your age, and other factors. A list of all companies offering personal automobile insurance in Colorado is available upon request by calling the Division of Insurance.
Liability insurance is the limit of how much the insurer will pay on your behalf to someone you injure while driving.

Property damage is the limit of how much the insurer will pay on your behalf to someone on account of damage to their property you cause while driving.

Car health insurance

Health and Accident Insurance
Today health is not just an old age issue. Misfortunes also never announce their arrivals. With our new age lifestyles, our susceptibility to risks has increased more than ever. Some of these risks can often bring in unforeseen hospitalization causing a financial burden on you and your family. With the escalating medical costs the charges like Surgeon's fees, diagnostic tests etc may turn out to be very expensive.
According to the Insurance Information Institute, there are several ways to lower your
insurance costs. One of them is to comparison shop . The more quotes from different
agents the better! You may be able to find an agent that may beat your current
insurance rate.

Insurance auto auctions locations

We are absolutely confident that your salvage vehicles buying experience with us will be an expedient and pleasurable one.
You will be eligible to bid on and buy salvage vehicles offered for sale at Copart Auto Auction in all 50 states including Alabama, Ohio, Arkansas, Utah, Wisconsin and Michigan, whether you are an experienced licensed car dealer or just someone interested in buying salvage cars, salvage motorcycles, salvage boats or other salvage vehicles with no experience at all.
As of this date these vehicles are only offered to licensed automobile dealers and salvage buyers that have to be registered in each state. Many of these salvage dealers need specific licenses and bidding cards to purchase these vehicles.

Admiral car insurance

Admiral Car Insurance
Admiral provides low cost car insurance for all kinds of people.
Specialising in the sectors for young drivers, performance cars and people living in cities, Admiral Car Insurance will always deliver a competitive and flexible online motor quote.
Standard policy features from this insurer include among others - flexible payment, payment holiday, courtesy car, and first class customer support. Coverage is available for ages 17 to 70.
Car insurance policies purchased through Admiral are underwritten by the insurance carriers listed on your Certificate of Motor Insurance.
How to get the best deal
■ Shop around as premium rates will vary. Check out deals at the Guardian site www.money-deals.co.uk/compare-and-buy-insurance.html.
■ Consider buying a smaller, lower-powered car.
■ Fit an approved immobiliser, as this can often earn you a discount on the standard premium.
■ Consider opting for a higher voluntary excess (the first part of each claim that you pay yourself).
■ If the car is low-value, consider a third party fire and theft policy.
■ Avoid modifications, they can drive up the price.
■ If possible, pay for your premium up front, as spreading the cost over instalments pushes up the price.
■ Parking a car in a driveway or garage is considered safer than leaving it on the roadside and will thus lower premiums.
■ Most insurance providers base their premiums on the amount of miles a person drives in a year, so don't overestimate your mileage. You can always contact your insurer to adjust mileage should you find you're using the car more. than predicted.
Tax and CO2 emissions

Car tax has risen exponentially during the past five years since it was linked to the amount of CO2 that vehicles emit. Owners of the least green cars that fall into the most expensive tax band (M) have experienced a 164% rise in tax since 2005-06, and cars in the band below have faced a 158% rise.
By contrast, tax has fallen dramatically on models of cars that emit less CO2. But the problem with this tiering of tax is that drivers from struggling families who might have been lent or given an older car (with CO2 emissions above 255 grams per kilometre) face an annual vehicle tax bill of £435 compared with just £20 for cars with 101-110g/km in CO2 emissions.
The system of car tax has been designed to promote the idea of green vehicle ownership. But green cars are still very expensive compared with their petrol-fuelled peers, despite many manufacturers reducing prices at a loss to gain market share in what could be a crucial year for the battery electric vehicles market.

The new Nissan Leaf and Mitsubishi iMiEV cost about £24,000 (after taking into account the £5,000 government grant), while the greenest Ford Focus ECOnetic diesel car is in the showrooms at about £17,000. By contrast, a typical two-year-old Ford Fiesta with around 50,000 miles on the clock can be found online for £3-4,000 – about 80% cheaper than new green vehicles.
The RAC Foundation says the new limited subsidies of up to £5,000 for purchasers of ultra-low carbon vehicles are a good idea, but need to be followed by more radical incentives such as a so-called "feebate" system under which purchasers of the greenest cars get a significant rebate – potentially several thousand pounds – while buyers of gas-guzzlers pay an extra fee over and above the saleroom price.
Until the green revolution is affordable to all, many motorists think it perverse that only those who are wealthy enough to afford the greenest cars in the first place are given a financial lifeline by the government.
What the government's done
The coalition government argues that motorists became public enemy number one under the previous government and claims it is trying to end the "war".
Earlier this year Hammond and local government secretary Eric Pickles launched a range of initiatives to achieve the coalition's aim: scrapping limits on car spaces for new homes as well as ending rules that allowed councils to levy higher parking fees. Pickles and Hammond also announced their intention to allow charging points for electric and plug-in hybrid vehicles to be built on streets and in outdoor car parks without the need for planning permission.
But none of these initiatives will help motorists now who are struggling with the costs associated with excessive taxation, inflation increases and the VAT rise. Given that the government is highly unlikely to lower VAT, most car industry lobbyists claim it should act immediately to cut fuel costs if it is serious about wanting to end the war on motorists.
The coalition increased fuel duty 0.76p in January and another rise – set at 1p above inflation – is scheduled for April, although chancellor George Osborne recently said the government might consider scrapping it.

"Given that each penny increase in fuel duty raises about an extra £500m for the exchequer, it is easy to see why the chancellor is tempted to hike rates," says Prof Stephen Glaister, director of the RAC Foundation. "But if the nation's motorists are pushed too far they will drive less and the Treasury could actually see their tax take fall."
The coalition has also talked about the possible introduction of a "fair fuel stabiliser" which proposes that as global oil prices increase, the tax take is reduced and vice versa, though there is no sign of when this would be introduced.

A Parliamentary Transport Select Committee investigation into insurance costs for young drivers may have also come too late for many households – and there is no guarantee that its outcome will put pennies back into the pockets of younger drivers.
When you buy from a major brand, you can expect reliable car insurance at a competitive rate. It's a good way to get cover that will work out well in a claim.
That's why so many buy direct from a major brand.
If costs continue to rise, lower-income drivers could reach breaking point and protests will follow. Already, motorists have sent petitions to Downing Street and the AA is urging its members to write to their MP – it has published a draft letter on its website. The coalition may have pledged to end the war on drivers but as long as it treats the motorist as a cash cow, it will have a battle on its hands.
The chance to fill up your tank for free – all year
Do you wince every time you drive into a petrol station? Feel your wallet shrinking in anticipation of the pain ahead?

Au insurance

How to cut costs.
!!!!!!!!!!
■ Roof racks make your car less aerodynamic. Remove them when not in use.

■ Check your tyre pressure – poorly inflated tyres put more strain on the engine and use more fuel.

■ Make sure you are not keeping unnecessary items in your car.

■ Accelerate gradually from standstill and leave a decent gap between the car in front to allow you time to break gently. Both practices will save petrol.

■ Get the car serviced regularly (according to the manufacturer's schedule) to maintain engine efficiency.

■ Make sure you use the correct specification of engine oil.
Potholes

A couple of weeks ago the AA issued an alert that the harsh winter is bringing out a rash of potholes on our crumbling roads which will wreak havoc on cars. It said many roads are "on borrowed time with a combination of potholes, snow and heavy rain producing the worst imaginable driving conditions".

The average insurance claim for pothole damage to cars is just over £1,300, though the most costly claim the AA dealt with last year topped £14,000, when a driver lost control and crashed after hitting a pothole. Cuts in road maintenance budgets of 20% mean local authorities face difficult choices on prioritising roads for repair, with many potholes likely to go unrepaired.

Simon Douglas, director of AA Insurance, says: "Our claims staff are bracing themselves for a steep rise in reports of cars damaged by potholes. Last winter there were three times as many claims between January and March compared with the same period in 2009. We expect the pothole problem to be significantly worse this year because of three successive bad winters and the growing backlog of road renewal."
Everybody wants cheap car insurance but it is important to look beyond the price of the premium, to see exactly what you're getting (or more importantly not getting) for your money.
Being a positive and safe driver earns you additional Bonus Miles each month. !!!!!

Сar insurance money


Fully comprehensive is traditionally the most expensive and covers everything - damage to your car, personal injury costs and any third party's vehicle and property.
On very old, cheap cars, annual comprehensive premiums can cost more than the car is worth. But it's a must if you are buying a car using a credit agreement or a loan because if the car is a write-off or stolen you still have to continue paying the finance.
Third party insurance is the minimum legal cover allowed and is typically comparatively cheaper. It covers damage to the other person's car or compensation but if your own car is stolen, burnt out or damaged it is not covered. Third party will often come as third party, fire and theft or can be beefed up using add-on insurance such as Fire and Theft.
But is third party cheaper?
If you are considering third party insurance double check that it is actually cheaper. One of the upshots of the rising cost of insurance for young or risky drivers over recent years is that third party cover - the one they usually take - has shot up in price and can be more expensive than comprehensive. The best way to double check is to use a car insurance finder, such as This is Money's.
How the no claims discount works
You typically get a 30% discount after one year of claim-free driving, rising to 65% after four or five years. But companies vary. Some go up to a 70% maximum while others specialising in younger drivers will give higher discounts at an earlier stage.
Many insurers now offer the opportunity to pay a bit more to protect your no claims bonus. The rules vary but you may be able to make two claims in three years, for example, before your bonus is affected. Protecting your bonus will not stop your insurer from hiking up the premium at renewal following a claim. But at least you won't lose your no claims bonus on top.
Other options: your policy decoded
Protected no claims
This is an added extra that will cost you around £50 or more, depending on your insurance cost. It means that if you make a claim you do not lose your all important no claims discount. Usually, it protects you against the first one or two claims in a year, or over a longer period.
Legal protection
This is an added extra that covers your legal costs if you are involved in an accident and it isn't your fault, this covers the cost of solicitors going after some compensation for you, for either an injury, the loss of your car for a period of time, or the cost of your public transport. It adds about £25 to a policy. Whether it is worth it is a grey area, as there are plenty of no-win, no-fee solicitors out there for injury claims. On the other hand, it costs about £2 per month for some piece of mind.
Car hire / courtesy car
If you are in an accident this will provide a car for you while yours is being repaired. But be aware almost all have time limits and you will not get the use of a hire car forever. It's worth considering whether in the case of an accident you could do without your car.
Legal cover and car hire warning
If you are in an accident that isn't your fault, it's highly likely you will be offered the chance to try and get a hire car through legal cover, ie a solicitor acting on your behalf will claim against the other party. Remember, these costs are not guaranteed to be won back and should be reasonable, otherwise you may face problems down the line.
1. You're a statistic.

To an insurer, you're not a person, you're a set of risks. An insurer bases its premium (or its decision to insure you at all) on your "risk factors," including some things that may seem unrelated to driving a car, including your occupation, who you are and how you live.

2. Insurers differ.

As with anything else you buy, what seems to be the same product can have different prices, depending on the company. You can save money by comparison shopping.

3. Don't just look at price.

A low price is no bargain if an insurer takes forever to service your claim. Research the insurer's record for claims service, as well as its financial stability.

4. Go beyond the basics.

Most states require only a minimum of auto-insurance liability coverage, but you should look for more coverage than that.

5. Demand discounts.

Insurers provide discounts to reward behavior that reduces risk. However, Americans waste money every a year because they forget to ask for them!

6. Ask for the real thing.

Insurers cut costs by paying only for car parts made by companies other than the car's manufacturer. These parts can be inferior. Demand parts by the original equipment manufacturers.

Insurance no license

Pennsylvania law requires all Pennsylvania motor vehicle owners to maintain vehicle liability insurance (financial responsibility) on a currently registered vehicle. Vehicle liability insurance covers the property damage or injuries you may cause others in a crash.

A lapse in insurance coverage results in the suspension of your vehicle registration privilege for three months, unless the lapse of insurance was for a period of less than 31 days and the owner or registrant proves to PennDOT that the vehicle was not operated during this short lapse in coverage. If PennDOT determines that you operated your vehicle without the required insurance, your driver's license will also be suspended for three months. The registration plate, sticker, card and driver's license must be surrendered to PennDOT in order to serve the suspension. Restoration fees of $50.00 and proof of insurance must be submitted prior to having either registration or driving privileges returned.

You can go online to request and print a free vehicle registration restoration requirements letter, which outlines certain criteria that must be met before a vehicle's registration can be restored. To request and print your restoration requirements letter, visit "Request a VR Restoration Requirements Letter". Users will need to provide the first eight numbers of the vehicle title number, the last four numbers of the Vehicle Identification Number (VIN) if the VIN is more than four digits long and the first two characters of the owner's last name or the first two characters of the company's name if a company owns the vehicle.
Answer
In the state of AZ, the insurance follows the car. Your own coverage may extend to a vehicle that you are using with permission but only as secondary coverage.
Answer 1
Until this answer is improved by an expert, this layman's answer will have to suffice.
IF the driver is not named on the vehicle's insurance, the terms of the insurance policy will dictate the handling of a liability claim for the accident in which the vehicle was involved.
Normally, if the driver is:
1. Legally licensed to drive, and
2. Has the permission of the owner of the vehicle to have been driving it at the time of the collision, then most policies will cover the "Permissive User."
Insurance follows the vehicle, not the driver. If the vehicle you borrowed does not carry insurance and you do, your insurance becomes secondary to cover the claim. The owner's insurance is primary.
Answer 1
Generally, throughout the insurance industry, if there is insurance on the vehicle involved in the collision, then that insurance is considered "primary,' and is the policy which will provide first coverage if coverage is extended to that driver.

Then, IF the primary coverage is not adequate [not enough money], the driver's insurance [considered secondary] will kick in for the balance owed on the liability claim, until its limit is reached.

typically the insurance on the car is primary.....if that policy has collision coverage (am assuming there is liability coverage as that is required).....the vehicle policy will repair that vehicle....if that vehicle does NOT have collision coverage and driver has a policy with collision coverage then drivers policy will step in (2nd)......if neither policy has collision coverage and the driver of your vehicle is at fault..........no company is repairing that vehicle..... and yes as mentioned which ever policy pays for the 'at fault' accident those rates are increasing......could be that both pay....yours for the other parties damage under liablity portion (if your vehicle is at fault) and drivers collision coverage (if your vehicle has no coll.cov)

That is determined by the coverage clauses in both parties policy. The person whose insurance company pays will be the one whose rates increase.
you usually are covered by the insurance for the car...if your friend drove your car and you had insurance on your car, they would be covered on your insurance, not their own
Answer
Generally not. While you're an insured driver, it's your the policy covers only your liability.
Answer
with permission from the owner, as long as there is no exclusion.........and you are not a 'regular' driver, if you are using the vehicle with any regularity, you would need to be listed as an insured driver.......
Answer
No. The person who owns the car and has it insured will be responsible through their insurance. However, they can take you to small claims court for the amount they had to pay and will win the case.