<?xml version="1.0" encoding="UTF-8"?><rss version="0.92">
<channel>
	<title>Car Insurance Advice &#124; Auto Insurance Questions &#187; Auto Insurance Advice.com</title>
	<link>http://www.autoinsuranceadvice.com</link>
	<description></description>
	<lastBuildDate>Wed, 01 Feb 2012 20:08:41 +0000</lastBuildDate>
	<docs>http://backend.userland.com/rss092</docs>
	<language>en</language>
	<!-- generator="WordPress/3.1.3" -->

	<item>
		<title>Moving Violations Don&#8217;t Have To Increase Your Auto Insurance Costs</title>
		<description><![CDATA[Moving violations do not have to increase your insurance costs. Most people believe that when they get a ticket, their insurance will automatically increase. However, there is one way to avoid this increase which is easy to do and which will help you keep your insurance costs low. In order to utilize this strategy, you must first understand why your insurance increases. Police officers do not send a copy of your ticket to your insurance company. Instead, these statistics are entered into state databases. These databases allow a judge or police officer to see if you have any prior violations and what their disposition was. In this way, judges and police officers know if you are to be charged as [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-articles/1658/moving-violations-dont-increase-auto-insurance-costs/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-articles/1658/moving-violations-dont-increase-auto-insurance-costs/</link>
			</item>
	<item>
		<title>I currently have NY auto insurance with full coverge.  If I decide to rent a vehicle in Canada while on vacation, do I hve to buy the auto insurance from the rental car company or will my own cover me in Canada?</title>
		<description><![CDATA[Even though borders are much stricter than they were ten years ago, you can still travel between Canada and America on the same car insurance. Your car insurance policy will spell out exactly where you are covered, but most provide the same coverage in both countries. Some compulsory coverage may only protect you while in your home state. For you, there is nothing to worry about. New York State minimum liability limits extend outside the state and even automatically increase to meet the financial responsibility laws wherever your travel in the US or Canada. As long as you have coverage on your car, it extends to the rental car on a secondary basis. Any coverage not provided by the rental [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/1841/ny-auto-insurance-full-coverge-decide-rent-vehicle-canada-vacation/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1841/ny-auto-insurance-full-coverge-decide-rent-vehicle-canada-vacation/</link>
			</item>
	<item>
		<title>Ok so i havnt quite purchased a car  yet because my financing hasnt been approved yet. Meanwhile.the car lot let us drive off in a car ubtil finacing came thru. My husband had a wreck same day we drove off the lot. But we have insuarance. It got a ticket for fty at a left turn. Not sure whats going to take place now.</title>
		<description><![CDATA[This happens more often than you would think. While you are driving the dealership car, you are covered. So long as the dealership gave you permission to drive the car, coverage applies. The only exception would be if the dealership does not have collision coverage. Then your car insurance would step in to fill the coverage gap. Another reader had a similar problem. Here&#8217;s what we told him when he asked about an accident while driving a dealer&#8217;s car.]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1842/havnt-purchased-car-financing-hasnt-approved-yet-meanwhile-the/</link>
			</item>
	<item>
		<title>I work for a summer camp ministry, and were looking for auto insurance quotes on our 15 camp vehicles. A couple of these vehicles are used to transport people. Which auto insurance companies will write this kind of policy (Allstate, Farmers, State Farm and Nationwide dont write for vehicles used to transport warm bodies)?</title>
		<description><![CDATA[It may be that you applied for personal auto insurance with those insurance companies. What you really need is commercial auto insurance, sometimes call Business auto, which most national insurance companies sell. I believe all these companies write business auto insurance, but under different divisions. Other potential insurance companies you can try include: Progressive Commercial Geico Travelers WellsFargo GMAC Insurance &#160;]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1826/work-summer-camp-ministry-auto-insurance-quotes-15-camp-vehicles/</link>
			</item>
	<item>
		<title>my son wants to let his girlfriend drive his car. The car is insured and she has a driver lic. if they are involved in a accident will they and the car be covered</title>
		<description><![CDATA[Only a few reasons could stop coverage from extending when the girlfriend drives. Even then, the insurance company would be bound to pay the state minimum coverage on the policy: 1. Does she use the car regularly? If so, she needs to be listed as a driver on the policy first. 2. Did she use the car for business? Personal Auto policies do not cover business use. 3. Is she keeping the car with her for long periods of time (days or weeks)? If so, she is a regular user and must first be a listed driver before she will be covered driving the car.]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1825/son-girlfriend-drive-car-car-insured-driver-lic-involved-accident/</link>
			</item>
	<item>
		<title>I have two adult sons who are on their own.  Neither has their own car, they live close to work and bike.  A few times a year they visit and will use our cars to get around.  They are not listed on my auto insurance.  Are they covered by my auto insurance?</title>
		<description><![CDATA[Although your sons should be covered, you might want to tell your agent about this arrangement&#8230;just in case. There are some parts of the policy that have &#8220;grey&#8221; information about who is allowed (or not) to drive the car. Because your boys do not live with you, they are not household members, so you don&#8217;t have to list them. However, the policy will also exclude anyone who &#8220;regularly&#8221; uses the car. &#8220;Regularly&#8221; is talked about in the policy as opposed to &#8220;occasionally.&#8221; It sounds to me like &#8220;occasional use,&#8221; but if your sons use the car at regular intervals, say every three months, you could get an adjuster who defines those regular intervals as &#8220;regular use.&#8221; Such an adjuster could [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/1827/adult-sons-own-car-live-close-work-bike-times-year-visit-cars/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1827/adult-sons-own-car-live-close-work-bike-times-year-visit-cars/</link>
			</item>
	<item>
		<title>I was not sure how this works. Say I just got a new car today but insurance wont cover car damage for 32 hours. The day i get my new car someone pulls out in front of me and I Tbone them. The accident is their fault but they do not have insurance or a license so they got to jail. Do I not get my car covered then?</title>
		<description><![CDATA[First, it&#8217;s not clear to me why your insurance wouldn&#8217;t cover the damage for another 32 hours. It is likely that the new car takes effect on your policy in 32 hours. However, if it is replacing another car on your policy or being added to the policy as an additional car, your policy should have a provision that covers new cars temporarily until they can be officially added to the policy. Most policies will cover the new car for one week, as long as you plan to insure it on that policy permanently. If you fail to officially add the car, that temporary coverage becomes void. You shouldn&#8217;t just worry about someone else hitting you without insurance. Everyone makes [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/1824/works-car-today-insurance-wont-cover-car-damage-32-hours-day-car/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1824/works-car-today-insurance-wont-cover-car-damage-32-hours-day-car/</link>
			</item>
	<item>
		<title>Truck Insurance Questions &#8211; How Can You Save?</title>
		<description><![CDATA[If you are looking for truck insurance, and want to save money, the first questions you must answer involve what type of truck insurance you need. There are several varieties, and each has its own rules for saving money on your premiums. First, if you own a pickup truck designed for family use, the same rules apply when looking for insurance savings as those which apply to cars. In essence, pickup trucks are simply cars with bigger frames. Since they are driven for mostly the same purpose as passenger cars, most insurers simply insure them in the same way as they do cars. You should shop around for the best rates, and be sure to take advantage of good driver [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-articles/1655/truck-insurance-questions-how-can-you-save/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-articles/1655/truck-insurance-questions-how-can-you-save/</link>
			</item>
	<item>
		<title>I was stopping for 2 kids to cross and a car hit my car on the back.i didnt call the police cauz she said that she gonna arrange with me.can I recieve money from my insurance if I got collision</title>
		<description><![CDATA[Ooh boy. You are suffering from classic &#8220;nice guy (or gal)&#8221; syndrome. That&#8217;s when someone damages your car, but comes to you in such a sorry state, that you feel too bad for him or her to stand up for yourself. It happens often, and especially to women. Depending on the situation, your kind heart may have just cost you your deductible. Insurance companies often waive car insurance deductibles if they can recover most of their payments. The endorsement is exceptionally cheap, so anyone who has access to it usually has the endorsement. I have Waiver of Deductible on my policy, and it costs me $2 per year. At that price, there&#8217;s no reason not to have it. At the [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/1811/stopping-2-kids-cross-car-hit-car-back-i-didnt-call-police-cauz-gonna/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1811/stopping-2-kids-cross-car-hit-car-back-i-didnt-call-police-cauz-gonna/</link>
			</item>
	<item>
		<title>I am looking into buying a new car after being the victim of a hit and run. I found out that buying hail damaged cars can be much more affordable. However I wanted to check and see what kind of insurance Id be likely to get for that type of car. Will I have problems finding full coverage or filing claims for future damage should there be any? Will there be any value insured for my car should I get in another accident and my car is totaled?</title>
		<description><![CDATA[This is a complicated question that unfortunately has no simple answer. The fundamental thing to understand is that the existing damage to your car has a value and the insurance company will deduct that value from any claims that it might face. Let&#8217;s say you have hail dents on the trunk and rear bumper and a car comes along and hits you in the rear. Because the trunk and bumper cover were already devalued from hail damage, the insurance company won&#8217;t pay to replace or repair them. However, they will cover any non-hail damage, such as the crushed crumple zones beneath the bumper cover. It&#8217;s true that a car with cosmetic damage can save you a bundle on the cost [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/1816/buying-car-victim-hit-run-buying-hail-damaged-cars-affordable-wanted/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/1816/buying-car-victim-hit-run-buying-hail-damaged-cars-affordable-wanted/</link>
			</item>
</channel>
</rss>

