Automobile insurance: FAQs
There are many unique aspects to automobile insurance. Below are answers to some of the questions that insureds commonly ask. However, if you have any questions about your automobile insurance, feel free to call your damage insurance professional. Whether your professional is a broker or an agent, you can rest assured that they are trained and qualified to advise you, and their professional practice is overseen by the ChAD.
If the other driver is at fault for the accident, will his insurer pay for the damage to my vehicle?
I had a little fender-bender that was my fault, but I’ve decided to assume the costs. Do I have to declare it to my insurer or to my damage insurance agent or broker?
If I lend my car to a friend for the weekend, is my automobile insurance still valid while he is driving?
If I rent a small truck to move some newly purchased furniture and I ask my son to drive it, do I have to add extra coverage to my insurance contract?
My vehicle was declared a total loss following a serious accident. My insurer made a monetary offer to replace it, but I believe it is insufficient and that my vehicle was worth more. What can I do?
Someone broke into my car and stole the baby seat, my golf clubs, and the laptop in the trunk. Is it true that home insurance covers these thefts?
I replaced the original radio with a better one. Does my automobile insurance cover its theft?
My dealership wants to sell me insurance that guarantees me a new vehicle in case of total loss. Should I purchase it, or should I call my damage insurance agent or broker?