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If there was no insurance and car owners had to pay up for crash repairs- would accident numbers reduce? As a women driver I don't like my insurance going up because of accident prone men. No, if that happened there would be a lot of other dangers, such as someone drunk that drives a $500 car drives into a car that costs $200,000 or into a store and destroys things worth a lot of money. If the drunk guy doesn't have the money to pay (he probably won't) he will just get in jail. But who is paying for the damage??? Nobody! So insurance should be paid. On the other hand as long as you are not driving carefully and cause accidents your insurance will increase. So this should keep you aware. Your insurance should not be going up because of anyone. Only because of you. So if your insurance is going up it is probably because accidents caused by you OR claims made by you (ask form you insurance company to fix your car - comprehensive insurance not 3rd party insurance). Accidents caused by others should be paid by the insurance company of them. They should pay for all the damage caused on your car.

car insurance...? When you get a quote online for car insurance you get asked so many question like deductible, collision... etc etc.. so many numbers to choose from.. Can anyone explain them to me? i'm just used to liability or full coverage.. right now i have liability on my car and i pay 135 a month. When i got a quote from allstate it turned out to be only 38 a month??? i'm sure i didn't pick the right numbers.... Collision - covers damage to your vehicle resulting from you a collision with a vehicle or an object subject to a deductible. This deductible is the amount you pay with insurance paying the remainder of the damage repair costs. The higher the deductible the less you pay monthly.
Comprehensive - covers damage to your vehicle from a sudden loss OTHER than collision. For example, hail, flood, theft, vandalism, among others. Subject to a deductible (same concept as collision)
Bodily Injury - covers the medical expenses of the OTHER person if you are involved in an accident where you are at fault. (some states this is called PIP) and covers you instead of the other person.
Uninsured/Underinsured Bodily Injury - covers your medical expenses if you are hit by someone else (they are at fault) but either have no insurance or do not have enough insurance to fully cover your medical expenses.
Medical Payments - covers your (and anyone in your vehicle) medical expenses.
Property Damage - covers damage you cause to another vehicle or someone's property (i.e. a building)
For everything except Comp and Collision, the higher your limit the more you pay. You can normally play with these coverages to tailor them to you, but generally speaking I would recommend not getting less coverage than 100K/300K bodily injury (the first number is per person and the second number is per accident) and $25K limit for Property Damage.
I would also get at least 50K/100K Un/Underinsured to cover you in case you are hit by someone without insurance.
For Comprehensive and Collision I would set your deductible to what you could conceivably pay in the event of an accident that also lets your monthly payment be manageable.
The best person to describe all of this and advise what you personally need is a local agent.

Where do you think car insurance companies get the numbers for their limits? You mean, why is it $20,000 instead of $21,385? They just round those up. If you mean, why can't you pick your own, it's because the limit guidelines are set by each state insurance commissioner.

car ratings for cost of insurance? rating numbers car insurance companies use for insuring cars and other transportation. Go to Allstate.com and you will find a table that tells you categories and ratings for different vehicles.

HELP so i can sleep!, how many digits are car insurance numbers? depends on what insurance company

Is there a way to search to see if someone has car insurance? my neighbor told me a week ago, that she was driving without insurance. On top of that, driving with her 4 kids in the car, with the youngest being 4, not in a car seat. i know she can get into some serious trouble. Is there a way to search with her plate numbers to find out if she has insurance? She is a very neglectful mom who is about to lose custody of her kids, this will put the nail in the coffin. No.
There is no way for the general public to search any information from a plate number. People have a right to their privacy
This works both ways. Would you want a stranger, or possibly a criminal, gathering information about you from your license plate?

Is it safe to exchange insurance policy numbers when minor car accident and police not present? I have been a claims representative and claims manager for many years. It is best to always call the police; however, there are times when the police will not or cannot respond. It is ok to exchange information. Be sure to get name, phone number, and address of the driver and the owner of the vehicle(usually off the registration). Make sure you have the policy number and phone number of the insurance company as well as a names and numbers of any independant witnesses that stop. It is best to try to take pictures and exchange written statements(expecially if you are not at fault). I always recommend that if you are at fault for an accident try to get the other party not to call the police. Not to commit any kind of fraud but to avoid a ticket. A police report is not required to pay any claim unless there is no contact between the two vehicles or it was a hit and run. If you have any questions while at the accident scene call your insurance company. They have a duty to defend you and indemnify(make whole).

How much will 0800 numbers cost from Virgin Media Landline? I hav virgin media plus or XL, im not sure. I need to ring a few 0800 car insurance numbers. Is this free? Thanks Yes they are free. I am also in this package with Virgin media.When you get your bill or if you have old bills from Virgin check the Telephone calls you made and see if they are charging for these 0800 calls

What type of coverage does typical car insurance include?How do the numbers break down? BIPD (Bodily Injury Property Damage) is what is required by law. "example of numbers breaksown" 100/200/50, $100,000 Bodily Injury for any one person injured, $200,000 Bodily Injury for all persons injured, $50,000 for Property damage. I don't know the minimum amount of coverage required in NY, but if you buy only the minimum and have an accident where injury and or damage exceed the coverage limits, you will be liable for the difference.

How much more expensive is car insurance for a sports car? I know that car insurance for a sports car is more expensive. But HOW much more expensive? For example, my insurance will change from a 1998 Pontiac Grand Am 4-Door to a 1993 Pontiac Firebird sports car. How much of a difference, in numbers, will it be? The only people who could possibly know is your insurance company. Have you thought about asking THEM ?

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