Does my car insurance cover a rental car

Does my car insurance cover a rental car- How Computer Technology Affects Your Car Insurance

Since the inception of car insurance, things have changed quite a bit. The services and packages were a lot more personalized.

The insurance house would build a relationship with their client and would base the premium on their specialized needs. As is still the case, males under the age of 25 would get a higher premium than anyone else. Females were awarded the lowest premiums, if their driving records were good.

But now that computers have come into play in the modern world, things are changing in the insurance business. Nowadays, it does not matter what you say to your insurance broker, or how wonderful your relationship is with him, as your premium will be determined by the insurance company’s computer system and what information they can find out about you on it. In this day and age, using computers and the internet, insurance companies can find out whether or not you have a bad driving history, what your credit report is like and also if you have any traffic offences or a criminal record. These factors, in addition to your age and address, will affect your insurance premium.

The key here is to ensure that you have a clean record for them to check up on. If you obtain any driving tickets, make sure they are always paid up to date. If you have a motor vehicle accident, take an advanced driving course, which will also go on your record, to prove that you are improving your skills. Keeping your credit score clean is important too, not only for your car insurance purposes, but for the health of your finances too.

It is not common for insurers to claim “act of God” in situations where there is someone driving the vehicle. These cases can be contested in court and you are very likely to win. However, you will first have to go through the ordeal of filing your case and a significant amount of your awarded damages may end up going to legal fees.

Any driver insurance

Any driver insurance- How To Obtain The Lowest Motor Insurance Premium Possible

Because the cost of living is rising daily, you will probably be miserable about the money you pay for security on investment purposes, such as your car insurance. Naturally, you cannot live with an "it will never happen to me mentality." Car insurance is the most important thing you are paying towards every month, and there are ways of paying a lower amount every month.

Firstly, you can source your insurance quotes online. This will not only save you money, but also valuable time. If you are lucky, some car insurance companies offer discounts to people signing up online, because this is saving THEM time and money off of their administration and paperwork. In addition to this, you will also be able to get more than one quote at a time, as there are now many websites that offer multiple quotes by filling in one form.

You need to ensure that you are shopping around as much as possible. Compile as many quotes as you can. Speak to as many car insurance companies as is necessary. You can only make an informed decision if you have got some comparisons to work on.

Putting extra insurance cover onto your policy can save you money too. Some insurance houses will offer discounted deals to people who insure their home, business and life insurance needs with them, as well as their car insurance. This will only be viable for you if you have not already insured these things with other companies.

Increasing the excess on your car will also lower your insurance premium. The excess is the amount of money you have to pay in when you claim. If you make this amount higher, you will usually be awarded a lower premium.

In conclusion, take into careful consideration that you put as a driver on your policy. Any young drivers will make your premium higher. Drivers with a bad accident history will also be more expensive to insure. Only place listed drivers on your policy if it is absolutely necessary and you feel they will be driving the motor vehicle often enough.

Save Money on Car Insurance – Bag It Deals!
Understanding “Acts of God” and Car Insurance

Understanding “Acts of God” and Car InsuranceCar insurance isn’t just to cover you while you are driving. With comprehensive car insurance coverage, you likely have coverage against “acts of God.” This coverage is for natural disasters, freak accidents, and the many other events in which no one party is at blame. Most commonly, acts of God are related to whether, like when the wind blows a tree onto your car and crushes it completely.



Anyone who lives in hurricane, earthquake or tornado country knows about the damage that acts of God can take. Yet, few people consider this damage when they take out car insurance policies. Even if you have faith in God, keep in mind that God gave us the gift of forward thinking so we could take actions to protect ourselves against dangers!



Luckily, comprehensive car insurance which includes acts of God is not usually much more expensive. If you have to make a claim on because of an act of God, like a tornado sucked up your car and spit it into pieces, then you will be covered. Your premiums are not likely to rise for a single act of God claim because these claims are not preventable and no one is at fault.


If you don’t have act of God coverage, there is a small chance that other car insurance companies could use it to their advantage to avoid paying you when their drivers are at fault. For example, let’s say a guy is driving, hits an icy patch, and skids into you. The guy’s car insurance company may say that they are not liable to pay because it was an act of God. Since you are not covered from acts of God, then you will not get reimbursed.

Car insurance policy limits

Things To Consider Before Choosing A Car Insurance Company Everyone needs car insurance, but choosing which car insurance company to insure your vehicle with can be quite an exhausting task. There are many auto insurance companies out there for you to choose from, and knowing which one will be the right company for you can be difficult. One person’s opinion of a fantastic insurance company could be another person’s idea of the worst possible one. It depends completely on your individual insurance needs. We will outline some things to keep in mind so that you make an informed and good decision based on your own specialized vehicle insurance needs.

Why Won't the Minimum State Insurance Requirements Cover Me?

This is a good question. It seems funny that each state legislature would set a minimum insurance requirement and then your insurance agent tells you that the minimum is not enough. But it is true and sometimes the changes it takes to put into law what is the best coverage for car insurance is a lengthy process and is often behind the economy changes. Let us look at an example:

Wyoming's state minimum insurance requirements are 25/50/20. The first two numbers refer to bodily injury liability limits and the third number refers to the property damage liability limit. The first two numbers in 25/50/20 would mean in an accident each person injured would receive a maximum of up to 25,000 with only 50,000 allowed per accident (ex. 2 people needing 25,000, if the need is more such as 3 people needing 25,000 then whoever files first gets first access to the 50,000 limit and you may be sued for the rest if the accident was your fault!). The last number refers to the total coverage per accident for property damage which in this case would be 20,000.

It is easy to see how these limits may not cover all the the liability and property damage needs. Now that you understand what the numbers mean, below is a listing of each state's minimum insurance requirements. Look up the state you live in and do the math to see if you feel comfortable with the minimum numbers. It does not cost much more to raise your car insurance limits and I would encourage you to contact your insurance agent to do just that if you find that you only have the minimum car insurance required by your state. The first thing you need to do is to carefully think about what you want from your insurer. Consider what your insurance needs are and what sort of cover you are looking for. Research the assorted kinds of insurance cover that you can take out, and then look into insurance companies which offer that kind of cover. Remember the cheapest deal is not necessarily the best. It’s all about the value for your money you will be getting. What you need to do is to compile as many quotes as possible from as many different car insurance companies as possible. Once you have some good quotes in front of you, you have to take some time to consider the attributes of each company so you know who would be a good choice. Firstly, take into account the insurance company’s ways of handling clients. Are they always polite on the phone? How seriously do they take your questions and is their customer service efficient and professional. The way they handle you when you are only a potential customer goes a long way in telling how they will handle you as a client. Check up if they have a portfolio of client reviews on their service that is legitimate with signatures. In relation to this, you can also talk to trusted family members and friends and find out who they are insured with. Ask them for their honest opinion on the car insurance companies they know of, and what they like or dislike about their insurance company. The next thing you need to do is to research the auto insurance companies you are interested in. Find out how long they have been in business for. You will want to go with a good, established company that has a few years behind them. That way you will also know they are financially stable. You will want the company to be financially stable, as it goes without saying that if the company does not have money, you could find yourself without any payout when you need to claim! Researching the insurance company you are interested in will help you make an informed decision. You can find a lot of information online and through the media.

Does auto insurance cover the car or the driver

An insurer's premium increases are a direct reflection of the countrywide or statewide pool of losses that the insurer experiences. The losses of the few within the insurer's pool of policyholders are paid for by all policyholders within the pool. This is the basic premise upon which the concept of insurance is based and without which no insurance would be available. This does not mean that your own favorable loss experience cannot be recognized. Various insurers give numerous discounts to policyholders which recognize their excellent driving records. Other reasons for the increase in the cost of auto insurance are attributable to the costs to settle losses such as the costs to repair vehicles and the medical costs for injured persons which continue to rise. The increase in lawsuits is also a major factor in insurer rate increases.

Insurance Coverage
In my experience as an auto insurance adjuster, the car carries the insurance. It would tie up the courts if settlements were partially on the vehicle and partially on insurance carried by the driver. If your car is involved in an accident while being driven a person who does not have your permission (as the Named Policy Holder) it is possible that your insurance company, after an in-depth investigation, including sworn statements by you, may try to subrogate against the unauthorized driver's insurance.
Here are more opinions and answers from other FAQ Farmers:
• I think this question could vary state to state. However, in WA, the insurance on the vehicle is primary, and if the drivers has insurance on another vehicle, or a broad form policy, theirs is secondary. Hope that helps, just my 2�.
• The vehicle's insurance is primary. If liability insurance on the vehicle is inadequate your own policy will come in as secondary and protect "YOU".
• The driver's insurance applies. Think of this: how can you lower your insurance premium: you, the driver are experienced, good driver (no accident, etc.) As soon as I add my daughter to my policy, it changes to inexperienced driver and not good driver category! SAME car....!
• The insurance follows the Named Insureds Liabilities. That is the general rule. However, in some states, there is case law that will hold the owner's and driver's insurers coprimary for liability coverage IN SITUATION WHERE THE DRIVER IS USING THE OWNER'S CAR AS A TEMPORARY SUBSTITUTE VEHICLE. Generally though, the driver's policy is excess or secondary.
There is an excess clause in nearly every auto policy. One particular Auto Insurance carrier is famous for trying to deny coverage based on this excess clause. But, as far as I know EVERY company's policy language includes this excess clause.
In MOST cases, where only PD or MD (property damage or material damage) are involved, companies will agree to pro rata shares of coverage.
The above-mentioned carrier tends to dig their heels in the sand, however, and prolongs the handling of such claims, which nearly ALWAYS translates to a costlier claim process.