Frequently Answered Questions
Here are some of the most frequently answered questions that we think that you will benefit from it.
+ If an uninsured motorist wrecks my car, will my insurance cover my car that is damaged?
The answer is a definite yes. But only if you have uninsured motorist coverage or collision coverage. This is one of the most overlooked item in an insurance policy and so it is important that you get yourself this component of the insurance into your coverage.
+ My wife drove the car to the shopping mall and cause accident while performing a parallel parking. My car is definitely damaged, so will my insurance cover the damages?
The answer is yes, only if you have made a nomination of your authorised driver. Thus, if you have the intention of letting someone in your family drive your car, add their name to your insurance policy. For some companies, it may add some additional costs but it's worth the trouble.
+ Is it possible to get a car insurance without a car?
Why not? There are drivers who do not own a car, but prefers to rent. There is what we call the non-owners car insurance policy. Many people prefer to get this as an additional cover in the event that the car owner's policy has lesser cover, which may put the non-owner driver into higher liability.
Unfortunately, you cannot get this type of insurance online.
+ When should I get my car insurance? After I bought a car?
I would highly recommend that you get an insurance as soon as possible. In fact, do it immediately! You'll never know when you could meet an accident within days of owning a car. Going for instant car insurance quotes can speed up the whole process.
+ If I hit someone's car from behind, who is at fault?
Needless to say, it's your fault. No doubts about it. In this case, the other party will claim against your insurance liabilities.
+ Is it worth the time to get insurance quotes online?
Yes, it helps and definitely worth the time. You see, no matter how complex car insurance is, there is a standard set of cover which most companies will provide.
So in the end, it's just a case of who offers the lowest.
+ My car is stolen. Will my insurance cover that?
Definitely, almost all car insurance will cover theft of cars.
+ When I get an insurance quote, what should I do?
Read, read and read all the terms again. If there are terms that you do not understand, seek clarifications from the company that provided the quote and do not leave any loopholes.
+ What is an SR-22?
An SR-22 is a form that shows that you have car insurance. Why do some people need it? Usually they are catered for drivers who are high risk. As it is meant for drivers in higher risk category, the car insurance policy is deinfitely more expensive than those without SR-22.
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