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Understanding Insurance - Frequently Asked Questions


The Frequently Asked Questions page is grouped into top-level sections for convenience.
Click on the category or type of insurance that your question relates to:





Insurance Information and Answers to
Auto Questions



Q&A
What does property damage liability cover?

Q&A
How do I get an auto insurance quote from your website?

Q&A
What is bodily injury liability?

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Does uninsured motorist coverage provide insurance when I'm in an accident with a driver who does not have insurance?

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Doesn't the law require liability insurance for all drivers?

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How much uninsured motorist coverage should I have?

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What is underinsured motorist coverage?

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What does medical payment cover?

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What is the difference between bodily injury coverage and medical payments?

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Will my medical payments coverage protect me if I am injured while driving someone else's car?

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What if I already have health insurance? Should I still get medical payment coverage?

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What is collision coverage?

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What is comprehensive coverage?

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What is liability coverage?

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What is combined single limit insurance?

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What does it mean when I see insurance coverage referred to as 100/300/100?

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What if I'm in an accident and need to rent a car? Will my insurance cover the cost?

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Will my insurance pay for my car to be towed?

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Is my cell phone covered on my auto insurance policy?

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Will I need special insurance if I customized my car?

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If my tapes or disks are stolen, will my auto insurance cover them?

Q&A
How many cars and drivers can I insure on a policy?

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Do I need different insurance if I lease a car instead of buying one?

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What cars can be covered under my policy?

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Will my auto insurance cover me when I rent a car?

Q&A
How can I qualify for a Good Driver's Discount?

Q&A
How can I qualify for a Driver Training Discount?

Q&A
What is a Good Student Discount?

Q&A
How does an insurance company define "Distant Student" or "Student Away at School?"

Q&A
If I have taken an "Accident Prevention Course," can I get a discount on my policy?

Q&A
How do I know if I have anti-lock brakes or an anti-lock braking system (ABS)?

Q&A
What type of anti-theft device do I need in order to get a discount?

Q&A
Can I get a discount for having seat belts or air bags in my car?

Q&A
If I have a child under the age of four in the car, is a shoulder and seatbelt enough?

Q&A
What if no insurance company wants to protect me because of my poor driving record?

Q&A
What if someone in my family has a bad driving record?

Q&A
Can I exclude a person with a bad driving record from my policy?

Q&A
What if my auto insurance has been cancelled or I've been turned down for auto insurance in the last three years?

Q&A
What if I make a mistake on the information I provide in my request for coverage?

Q&A
What is considered a good, bad and OK driving record?

Q&A
What constitutes an auto accident?

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What if I did not report an accident to my insurance company?

Q&A
Am I still covered if I borrowed a friend's car?

Q&A
How does an insurance company determine insurance rates?

Q&A
Why are rates different for different types of vehicles?

Q&A
If I am not living in the same household as my spouse, will it affect my insurance rates?

Q&A
Why do married drivers pay less than single drivers?

Q&A
Why does the insurance company want to know when I was born?

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Why does the insurance company want to know how many many miles I drive?

Q&A
I live only a mile away from my job. Will that save me money?

Q&A
Why do men pay higher insurance premiums than women?

Q&A
I'm moving to a state with "no-fault" auto insurance. What exactly does this mean?

Q&A
If someone borrows my car is that person covered under my auto insurance?

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When do insurance companies check driving records?

Q&A
Why do auto insurance applications include questions asking for credit information or if you have claimed bankruptcy?

Q&A
I don't own a car, but occasionally borrow or rent a car for trips. Should I have an auto insurance policy?

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