There are many questions that drivers have about auto insurance. I will be addressing a few of these frequently asked questions.

What is no fault insurance? No fault insurance is by no means “no fault”. What they do is if you are insured with no fault insurance and are in an accident where you are not at fault, they will cover all of your medical bills.

Can your insurance be in your parents name? Your auto insurance can be in your parents name as long as you are a listing driver on their insurance policy.

Do you need auto insurance if you just have a drivers permit? Yes, you do need auto insurance if you are driving an automobile. You are required by law to be financially responsible, which means you must have auto insurance.

Can your current insurance policy be transferred to a new vehicle? Most insurance companies will automatically transfer your existing insurance to your new vehicle. You will need to call your insurance company before you drive your new car off of the dealership car lot and add your new vehicle.

How does getting a DWI (Driving While Intoxicated) affect your insurance rates? Your insurance rates will go up. It varies from state to state by how much, but your rate will go up.

What does an insured driver do if they are hit by an uninsured driver? You will need to call your insurance company and give them all information regarding the accident. They will pay to fix your car after you have paid your deductible. They will then pursue legal action against the uninsured driver.

Will liability coverage cover you if you hit a deer? No, liability insurance will cover your vehicle if you hit a deer. Liability insurance will only pay for damage to others property not your own.

Can you insure a car that is not in your name? Yes, you can as long as you have authorization from the owner of the vehicle to do so.

Can you have a family member removed from your insurance policy? You can do this, but this person will no longer be covered.

Can you insure a vehicle with a salvaged title? You can definitely get liability insurance on your vehicle. Most insurance companies will only offer you liability insurance if you are insuring a vehicle with a salvaged title since they will not pay out as much in case of an accident.

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