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	<title>Car Insurance Advice &#124; Auto Insurance Questions &#187; Auto Insurance Advice.com</title>
	<link>http://www.autoinsuranceadvice.com</link>
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		<title>What Is The Average Price of Car Insurance For A Family of Four?</title>
		<description><![CDATA[We all know that car insurance can be expensive. In fact, according to a recent study published on the Insurance.com website, the average person can expect to pay more than $84,000 over his or her lifetime in car insurance. When you begin to add dependent drivers to your policies, this amount can increase even more. The problem with finding “average” car insurance prices is that the cost of auto insurance varies so much from person to person that averages are often poor representations of what you as an individual will pay. There are many factors that are involved in calculating the cost of your auto insurance premiums, and a change in any of these factors can mean a big difference [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-articles/2112/what-is-the-average-price-of-car-insurance-for-a-family-of-four/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-articles/2112/what-is-the-average-price-of-car-insurance-for-a-family-of-four/</link>
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		<title>in alabama will an insurance company pay if someone else has a accident in your car, they have a restricted license</title>
		<description><![CDATA[A restricted license has no affect on car insurance outcomes, unless the person was specifically excluded from coverage by special endorsement. A restricted license just says that a driver is young and must follow certain rules and limitations when driving. If they break those rules, it won&#8217;t affect the car insurance claim.]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2152/alabama-insurance-company-pay-accident-car-restricted-license/</link>
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		<title>I live in Ohio and was involved in an auto accident. I was at fault and my childs car seat was damaged. I have typical fullcoverage with a deductible. The car seat needs to be replaced according to the manufacturer. Is the insurance company required to replace the car seat?</title>
		<description><![CDATA[This is a bone of contention among drivers and insurance companies everywhere. Manufacturers tell parents to replace car seats if there is any accident at all. The truth is that car seats are not so fragile. Minor accidents rarely require a replacement, but the information available to consumers is so confusing, it&#8217;s hard to know what to do. Every state has different rules about what is required, many of which conflict with the National Highway Traffic Safety Administration (NHTSA) Guidelines. Those rules say that minor crashes do not warrant child seat replacement. In Ohio, there are no specific state laws on the matter, so it&#8217;s likely the insurance company will follow the NHTSA guidelines. On top of that, car insurance only [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/2153/live-ohio-involved-auto-accident-fault-childs-car-seat-damaged/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2153/live-ohio-involved-auto-accident-fault-childs-car-seat-damaged/</link>
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		<title>In the state of Tennessee are you able to add someone who doesnt live with you to your insurance policy</title>
		<description><![CDATA[Absolutely. There are no restrictions on who you can list, but that person&#8217;s driving record could have an effect on your rates. Your policy will be rated on the most expensive driver on the policy. Your car insurance company could decide it doesn&#8217;t want to insure that driver. In that case, the non-resident could go out and get a non-owners car insurance policy that would cover him even if your car insurance denied a claim because he used the car regularly. If you have a non-resident that only uses your car occasionally, there is no reason to add him. But if he or she is using your car frequently or for an extended period, you would be wise to add it [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/2154/state-tennessee-add-doesnt-live-insurance-policy/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2154/state-tennessee-add-doesnt-live-insurance-policy/</link>
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		<title>Would my car insurance go up if I was driving a friends car and got into an accident that wasnt my fault.</title>
		<description><![CDATA[Unless you received a citation for a moving violation from the accident, there would be no reason for the insurance company to increase your car insurance rates. It doesn&#8217;t really matter whose car you were driving&#8230;it&#8217;s about whether the insurance company pays out a claim or not.]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2150/car-insurance-driving-friends-car-accident-wasnt-fault/</link>
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		<title>if I want to go to court to recover damages do I sue the driver or the owner of the vehicle.  It was a tractor trailer</title>
		<description><![CDATA[With a tractor trailer, it is likely the driver was working under the direction of an employer, but he could also have been an independent driver, in business for himself. In either case, the owner of the truck will bring you to the right insurance or responsible party. Even if the driver was behind the wheel of someone else&#8217;s truck, the owner of that rig will be sure you know who you should be suing. When cases like that arrive in court, the party being sued will often pull in other parties who may also bear responsibility for the accident. Be sure you know the laws in your state with respect to the threshold for small claims. Under a certain [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/2149/court-recover-damages-sue-driver-owner-vehicle-tractor-trailer/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2149/court-recover-damages-sue-driver-owner-vehicle-tractor-trailer/</link>
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		<title>Someone that I know was involved in a hit and run accident. It was a three car collision. The first car hit another car, and that car hit her car. There was no major damage done to the car, but a couple of scratches, and the person who hit her fled the scene. She did file a police report, but didnt get any of that persons information who hit her. Is it still recommended to report it to her insurance company? And if she decides not to, will there be a penalty? If she does, will her insurance go up even though its not her fault?</title>
		<description><![CDATA[In your state, Colorado. the law dictates when insurance companies can increase car insurance rates. When there is a hit and run like this, the insurance deductible will apply. With only scratches to the car, it seems unlikely the policy would pay anything, so reporting wouldn&#8217;t hurt or help. Your friend might want to report the incident or at least take photographs of the scratches as documentation of the incident. She doesn&#8217;t want the insurance company bringing the incident up later and deducting for damage to the car if it is in another accident later. The insurance company cannot increase rates if this is the only accident and they pay less than $1,000 for the damage. Colorado law states: &#8220;Unacceptable reasons for [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/2135/involved-hit-run-accident-car-collision-car-hit-car-car-hit-car/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2135/involved-hit-run-accident-car-collision-car-hit-car-car-hit-car/</link>
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		<title>Question  In the state of Florida does insurance follow the driver of the car or the registered owner of the car?  Also, in the Sate of Florida how long do you have to registered a vehicle with out of state plates?</title>
		<description><![CDATA[In Florida, like in most states, you pay for insurance on the car, not the driver, unless you carry non-owners car insurance. That means you must insure your car in Florida and get car insurance that covers the state&#8217;s minimum requirements. You&#8217;ll have to buy Bodily Injury coverage of at least $10,000 per person/$20,000 per accident and Property Damage coverage of at least $10,000. You also have to buy PIP (Personal Injury Protection) for yourself and your passengers, which covers up to $10,000 in medical costs from an accident. Once you become a Florida resident, you have 10 days to register your car. You are a Florida resident if you: Are a voter in the state Have kids in a [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-questions/2155/question-state-florida-insurance-follow-driver-car-registered-owner/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-questions/2155/question-state-florida-insurance-follow-driver-car-registered-owner/</link>
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		<title>Tips for Contesting a Traffic Violation</title>
		<description><![CDATA[Most adult Americans drive cars and while we may assume that we have the right to drive, driving is actually a privilege and not a right. Each citizen’s right is to be afforded the opportunity to earn the privilege to drive. As with most aspects of modern society, privileges are governed by the laws of the jurisdiction, including municipalities, counties and States. Federal law even comes into play in regard to policy, as Federal funding for infrastructure influences local jurisdictions. The number of traffic regulations is vast, from speed limits to appropriate lighting, use of devices while driving to noise levels inside the car. Inevitably, virtually every driver will find themselves on the wrong side of the law at some [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-articles/2160/tips-for-contesting-a-traffic-violation/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-articles/2160/tips-for-contesting-a-traffic-violation/</link>
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		<title>Electric Car Sales to Date</title>
		<description><![CDATA[There has been much ado about how the electric car is the vehicle of the future since the electric car first hit the pavement in the late 90’s. But, it has been a long, arduous and extremely bumpy road for the electric car so far. Sales of the electric car have been far from spectacular, and in many cases have not met even the lowest expectations, the technology has been hampered by bureaucracy and economic recession, the prices of the cars have not gone down as much as expected and in some cases have actually risen. Needless to say, the allure of the electric car has yet to fulfill the expectations of the car creators, and the imagination of the [<a class="excerpt-link" href="http://www.autoinsuranceadvice.com/insurance-articles/2157/electric-car-sales-to-date/">Read More</a>]]]></description>
		<link>http://www.autoinsuranceadvice.com/insurance-articles/2157/electric-car-sales-to-date/</link>
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