As a consultant with over 20 years of industry experience, I answer questions regarding the personal auto policy often. Everyday I help people plan for the times when things don’t go as planned. Here are some questions you probably have and some you maybe haven’t considered:
- If I let my friend borrow my car, and he/she has an accident, who is responsible?
- I’m buying a new car and the person at the dealership is asking if I want GAP coverage. What is that?
- I’m renting a car next week. Do I need to take insurance out with the rental company?
- I’ve just moved to North Carolina. What steps do I need to do to insure and register my vehicle?
- I had a lapse in my auto policy. What happens next? What should I do?
- I bought/traded for new vehicle. Is the dealership responsible for calling my insurance company to notify of the change?
- I hit a deer, is this covered?
- My child will be getting his/her license soon, what do I need to do?
- My wife and I are getting a divorce, should we separate our auto policy?
- I have a driver who is moving out, or has moved out, what should i do?
- How will my recent accident or moving violation affect my auto policy? When do points come off?
- I’m adding some customized equipment to my vehicle. Is this covered?
- I’m buying a vehicle for my business. Can it go on my personal auto or does it need to be placed on a business auto policy?
- Do I save money by paying every 6 months?
- Should I take the collision off my vehicle? When?
- Are my liability limits sufficient?
- What is Med Pay?
- I’ve been in an accident, and the other driver does not have coverage. What happens now?
- I’ve just had an accident. What do I say or do?
- When is the best time to shop my policy for a better rate?
What questions do you have?
See expert tips on cancellation fees, the importance of uninsured/underinsured coverage, choosing appropriate liability limits, parking lot fender benders, hit-and runs, and much more in our premium content.
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