Q. i need to get commercial vehicle insurance for my air conditioning service fan, but i want a really good price and need to get numerous quotes, how can I go about this? is there any websites that can give you quotes?
thanks.
thanks.
A. Call a local independent agent. Independent agencies will have multiple markets to shop you to. You can also try direct write companies like Allstate, Farmers etc. Who does your personal insurance right now? Give them a call first and see what they might have available.
In New York State do you have to have vehicle insurance while driving a rented truck?
Q. OK ill explain this as simple as possible. I rented a truck from a truck rental place and opted out of the insurance. I have vehicle insurance and so does anyone else who was going to be driving the truck. One of my friends was driving the truck and caused damage to the truck. He was not on the rental contract to be driving the truck. He does have his own vehicle insurance. My question is will his insurance company cover the damages? I was under the impression that in NYS, no matter whether or not you should be driving the rental truck your insurance will cover you. Thanks ahead of time.
A. No, it won't.
There are several different ways a policy can be written, and not all policies will carry over onto a rental. And for physical damage to carry over, you must have physical damage on YOUR car, and YOUR car must be off the road - ie, in the shop, and NOT available for use. It would only carry over, if you are the NAMED insured (not a listed driver), and it only carries over to a substitute vehicle that YOU rent.
HOWEVER. When it DOES carry over, it only carries over to PRIVATE PASSENGER type vehicles. Not trucks. So even if he had coverage, AND his vehicle was off the road due to not running, AND the policy was in his name, AND the policy form allowed carryover for substitute vehicles, it wouldn't carry over to a TRUCK.
Sorry. His insurance won't cover. Neither will yours, as this is a TRUCK.
There are several different ways a policy can be written, and not all policies will carry over onto a rental. And for physical damage to carry over, you must have physical damage on YOUR car, and YOUR car must be off the road - ie, in the shop, and NOT available for use. It would only carry over, if you are the NAMED insured (not a listed driver), and it only carries over to a substitute vehicle that YOU rent.
HOWEVER. When it DOES carry over, it only carries over to PRIVATE PASSENGER type vehicles. Not trucks. So even if he had coverage, AND his vehicle was off the road due to not running, AND the policy was in his name, AND the policy form allowed carryover for substitute vehicles, it wouldn't carry over to a TRUCK.
Sorry. His insurance won't cover. Neither will yours, as this is a TRUCK.
Why do people compare mandates on health insurance to vehicle insurance?
Q. Considering that most mandates for vehicle insurance usually only include liability which protects other people if you do something stupid, but health insurance is the opposite.
A. Because they are ignorant of the facts and it has nothing to do with choosing to drive or not.
As you mentioned, with car insurance you are only required by the government to get liability coverage. If you dig deeper the real fact is you are actually only required to show financial liability. Most people do that with insurance, but every state will allow you to post a financial bond instead of insurance. The amount of the bond will vary by state but in my state it is $40,000. You can find the information for your state on your state department of insurance website. It can be difficult to find with some states, though.
The other car insurance coverage that is "required" is comprehensive and collision, which are required by your lender, not the government. As long as the car is paid off you don't have to carry that coverage.
As you mentioned, with car insurance you are only required by the government to get liability coverage. If you dig deeper the real fact is you are actually only required to show financial liability. Most people do that with insurance, but every state will allow you to post a financial bond instead of insurance. The amount of the bond will vary by state but in my state it is $40,000. You can find the information for your state on your state department of insurance website. It can be difficult to find with some states, though.
The other car insurance coverage that is "required" is comprehensive and collision, which are required by your lender, not the government. As long as the car is paid off you don't have to carry that coverage.
how can i get my vehicle insurance with out meeting with an accident?
Q. i there any way that i can get my vehicle insurance with out meeting with an accident.
i have insured my vehicle.how can i get money for my vehicle with out meeting with an accident.
i have insured my vehicle.how can i get money for my vehicle with out meeting with an accident.
A. Most people who get vehicle insurance don't "meet with an accident". Otherwise it would cost a lot more.
Unless you mean, you want to get vehicle insurance to COVER an accident you've already had. It's too late for that.
Or, maybe you mean, you want to buy it, without meeting an agent. So buy it over the internet, at www.progressive.com.
Unless you mean, you want to get vehicle insurance to COVER an accident you've already had. It's too late for that.
Or, maybe you mean, you want to buy it, without meeting an agent. So buy it over the internet, at www.progressive.com.
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