A Great Way To Save Money On Your Auto Insurance! As Featured On EzineArticles
Compare Auto Insurance
Compare Auto Insurance Rates In Your Area...
Save upto $397-$597 on your auto insurance.
Enter your zip code below and click Submit
Zip Code:

Whether you’re shopping for a new or used car, chances are you’re going to take a test drive. Even though most drivers are on their best behavior behind the wheel during a test drive, accidents still happen. And accidents mean auto insurance claims. But whose insurance will pay — yours or the car dealer’s?

When a customer test drives a vehicle, the dealer’s insurance typically covers crash damage, consumer advocate S.E. Day says. Vehicles are covered under a dealership’s general liability policy, which typically states the vehicle must be driven under certain conditions like test drives for customers.

Day says a dealer must ask for and photocopy a current, valid driver’s license for anyone taking a test drive. If a dealer fails to do that, its insurer may not cover a damaged test-drive car.

“A new car isn’t on a car insurance policy unless the dealer titles the vehicle in the name of the dealership as the registered owner on record with the state,” Day says.

States require dealers to carry a certain amount of liability and property insurance coverage in order to get a business license. For instance, New Jersey requires a certificate of insurance reflecting liability coverage for $100,000 to $250,000 for bodily injury and $25,000 for property damage.

“The dealer probably won’t go after the test driver’s insurance company because the dealer allowed the person to test drive the vehicle for sales purposes,” Day says.

Dan Weedin, an insurance and risk management consultant, says the auto dealer’s insurance is “on the hook” for damage to the test-drive car, as well as property damage caused by that car and damage to other cars.

However, if the test driver shows negligence, such as running a red light, the driver’s auto insurer may come into play, Weedin says. If a claim is paid on the driver’s insurance, that person’s insurance rates likely would go up.

“Insurability could also be in jeopardy, because the at-fault accident would go on the driver’s record and be there for at least three years,” Weedin says. “If they were to get in a subsequent accident, the accident could rear its ugly head in both rates and insurability.”

Still, the auto dealer’s insurance typically takes priority over the driver’s insurance.

Fortunately, no one’s insurance was used when K.S. Brooks of Spokane, Wash., crashed the car she was test driving in 2005.

“The front seats had been removed from the car, and I was sitting on a milk crate because they wanted to make sure I wanted the car before they put the new seats in,” Brooks recalls. “I took a sharp turn and the milk crate fell over, and so did I, losing control of the car.

“The whole thing was quite comical but embarrassing and somewhat stressful at the same time. Luckily, the damage was minor. The worst of it was a dent in the passenger door where the car hit a very large rock as it went into a snow bank.”

The dealer repaired damage to the car on its own before she drove it off the lot.

Compare auto insruance quote, review car insurance to get low auto insurance rates here.

Nevada auto insurance requirements

Review car insurance, neveda

The great state of Nevada residents are proud of the diversity of their home. This State Sport some of the largest cities of “Summer Palace” on the planet, Las Vegas and Reno, and also some beautiful natural amenities, snow-capped mountains and contains far desert plains. The State of Nevada requires all drivers of minimum levels of car insurance to perform, to protect all on the state roads. Read on and find out about Nevada auto insurance requirements and how you can be sure, have the right coverage to meet them.

The auto insurance per month cost me?

Who is responsible, in a car accident in Nevada?

Insurance laws work Nevada car under the tort liability system. This means that, if you are involved in an accident and “error” then are you liable for any damages, medical as well as physically. If your auto insurance coverage cover not the part of the costs, you are responsible for any remaining amounts. This could mean that your personal assets, such as your House, car, or bank account could be taken to pay your debts. She could, also a seizure have placed on your wages and income tax refunds you would be confiscated, even.

Nevada auto insurance requirements

To prevent this scenario from occurring, it is always advisable to wear more than the minimum limits of liability. In Nevada, is that you, on your auto insurance liability coverage must take at least $15,000 per person and $30,000 per accident for death or personal injury and $10,000 for the destruction of property. These limits are relatively low, so it’s a good idea, more insurance to buy, if you can, and increase your limits on the level, to protect your personal assets.

Nevada requires other insurance by law, it often a good idea to continue to insure yourself and your vehicle against injuries and damage. One way to do this is through the purchase of collision insurance on your liability policy. Collision pays cover to repair your vehicle, after a deductible is met, when you involved in a car accident or a single car accident. Their insurance will not pay, to repair your vehicle, so that collision is the only way to ensure that your car repair bills are met. Comprehensive insurance insured also your vehicle against damage; comprehensive pays by something other than a car accident, such as a weather-related such as a tornado and hail or theft of your vehicle for damage.

Why you should always uninsured and underinsured motorist coverage?

matt dodge : What are Neveda Auto insurance requirements?



Nevada auto insurance requirements

Perhaps most important, is not always covered, and Underinsured Motorists coverage. This coverage protects you if you are affected by a car from someone with no insurance. A new study by the insurance Research Council (IRC) estimations, that 15 to 19% of the drivers in Nevada not insurance on their vehicles, so that uninsured motorists coverage has a good investment.

You are required to prove the insurance in Nevada?

Nevada requires all drivers and “Proof of financial responsibility” to produce, if you are prompted to do so, all officials. In most cases, this means a current insurance card. The State of Nevada has introduced recently an IVP or insurance program content verification, the law enforcement and other officials of the insurance companies can immediately check status of a registered vehicle. The police will know if you no current insurance for your vehicle, and checks each time to see if they make a traffic stop or reach a scene of the accident.

Penalties for driving with no insurance in Nevada

If you continue to minimum liability insurance in Nevada, the State suspend the driver’s Automobile registration and seizures the number plates. To reactivate your registration, you will be prompted to current, valid insurance policy a reinstatement fee.

If you maintain no more than once insurance for your car, you need to an SR-22 form file with the State of Nevada. This is a paper by an insurance company, which prove that ongoing coverage on your vehicle for a specific amount of time, often three years is supported. If your insurance is required for SR-22 review, you lose your insurance with the company or forced his, a much higher premium pay rate as “high risk” drivers. The new, higher rate remains in effect until you no longer submit an SR-22.

Nevada auto insurance companies check my credit score?

Nevada allows your credit history will be used in the set premium of insurance companies, but the company also your driving history, age, location and the type of vehicle that you drive this evaluation. In General, the better your driving history and credit rating, the lower your payments.

Compare car of insurance quotes in Nevada today!

Brad : I live in Georgia and a friend of mine was telling me that I should take an Uninsured motorist coverage since I would be at an advantage. Can you let me know more of this. What is stacking of limits? How will this affect my auto insurance?

Response : You need to constantly compare auto insurance quote both for coverage and also the rates. You need to take an uninsured motorist coverage to get the benefit if someone who is uninsured gets involved in an accident with you and injuries you and he is at fault. Let me show you how it would work for you if this happens. Presently there are a lot of people in USA who do not have an auto insurance policy and are uninsured.

In Georgia, underinsured motorist protection falls within the uninsured motorist statute.
Prior to the effective date of the new statute [January 1, 2020] an insured can only access up to the difference in the liability provided by an at-fault driver’s liability policy limits and the limit provided the insured under his/her uninsured motorist coverage. Thus, if the at-fault driver had a $50,000 liability limit and the not at-fault other driver had an uninsured motorist limit of $100,000, the maximum protection for the not at-fault driver from his/her uninsured motorist coverage is only $50,000. The insured taking coverage from his/her uninsured motorist limit is not entitled to the full limit provided under current law.
At-fault driver = $50,000 Liability Payment
Not at-fault driver = $100,000 UM Limit
Payment due from UM Coverage = $100,000 – $50,000 = $50,000¹
In the same loss situation above, if the at-fault driver had a $50,000 liability limit and the not at-fault driver had a $50,000 uninsured motorist limit, the not at-fault driver would not be entitled to any payment under his/her uninsured motorist coverage.
At-fault driver = $50,000 Liability Payment
Not at-fault driver = $50,000 UM Limit
Payment due from UM Coverage = $50,000 – $50,000 = 0
Beginning January 1, 2020 insureds will be able to get the benefit up to their full uninsured motorist limit when an at-fault uninsured/underinsured motorist is responsible for damages. The change simply means that the full amount of selected uninsured motorist limits can be used as an additional limit of coverage, without offset, from the liability limit of the underinsured at-fault motorist. For the examples above the formulas would change as follows:
At-fault driver = $50,000 Liability Payment
Not at-fault driver = $100,000 UM Limit
Payment due from UM Coverage = $100,000

Beginning January 1, 2020 the Uninsured Motorist statute expressly allows an insurer to “exclude”[offset] personal or bodily injury or death payments for which the insured has been compensated “pursuant to medical payments or workers’ compensation laws.”

The premium payable for this coverage of uninsured motorist is very less almost meger compared to the advantage you can obtain if this accident takes place. Make sure you compare car insurance quotes and review auto insurance coverage to ensure that you have taken the Uninsured Motorist coverage.
Good luck.

Jennifer Jackson: I do not have a car and am going for for a rental car what coverages do I require for my personal belogings and let me know about other coverage I might need.

Response: Those who do not own their own car and are frequent car renters, can also consider purchasing a non-owner liability policy. This not only provides liability protection when you rent a car, but also when you borrow someone else’s car.

  • Personal Accident Insurance
  • Personal Accident Insurance offers coverage to you and your passengers for medical and ambulance bills for injuries caused in a car crash. If you have adequate health insurance or are covered by personal injury protection under your own car insurance, you may not need this additional insurance. It usually costs about $1 to $5 a day.

  • Personal Effects Coverage
  • Personal Effects Coverage provides insurance protection for the theft of items in your car. If you have a homeowners or renters insurance policy that includes off-premises theft coverage, you are generally covered for theft of your belongings away from home, minus the deductible. If you purchase this coverage through the rental car company, it generally costs between $1 and $4 a day.

    If you frequently travel with expensive items such as jewelry, cameras, musical equipment or sports equipment, it may be more cost-effective to purchase a personal articles floater under your homeowners or renters insurance policy. With such a floater, your valuable items are protected at home as well as while traveling anywhere in the world and the coverage is broader.

    Remember to compare auto insurance quote at all times, since you are sure to find out the best offers and savings if you make a small effort.

    Jennifer: I was comparing auto insurance and was wondering if I should purchase an umbrella liability policy?

    Response: Let me explain to you this if you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal umbrella liability policy provides.

    An umbrella policy kicks in when you reach the limit on the underlying liability coverage in a homeowners, renters, condo or auto policy. It will also cover you for things such as libel and slander.

    For about $150 to $300 per year you can buy a $1 million personal umbrella liability policy. The next million will cost about $75, and $50 for every million after that.

    Because the personal umbrella policy goes into effect after the underlying coverage is exhausted, there are certain limits that usually must be met in order to purchase this coverage. Most insurers will want you to have about $250,000 of liability insurance on your auto policy and $300,000 of liability insurance on your homeowners policy before selling you an umbrella liability policy for $1 million of additional coverage.

    Buying an umbrella cover is only after you have the fist auto insurance and home insurance policy. Compare auto insurance quote always for cheap auto insurance rate.