Asked by Kyle Farley from Florida Hi Kyle, Thanks for your question. The answer is no, you don’t have to purchase an auto policy of your own when you only drive others’ cars and don’t drive one of your own. But, if you choose not to purchase your own auto policy and end up having … Read more
Asked by Anonymous from an unspecified location To be covered under the insurance policy for any vehicle, you must either be named on the policy for that car or be borrowing an insured car with the owner’s permission. One common misperception is that, when you purchase auto insurance, that policy follows you wherever you go … Read more
Asked by Ryan from Newport News, VA That’s a great question, Ryan. Thanks for asking! First, just to clarify, medical payments insurance (often called med pay) covers doctor, hospital and funeral expenses when you, a passenger or someone on your policy is involved in an accident that results in injury or death—regardless who’s at fault. … Read more
Asked by Don from New Canaan, CT Don: Thanks for the question. To answer your question, Yes! Typically there are advantages to bundling policies under one insurer. Not only will you reduce your paperwork, but you’ll probably get a discount on one or more policies. It’s quite common to consolidate auto and home insurance policies … Read more
Asked by Pete from Parker, CO We know exactly what you mean, Pete. Young teens often think they’re invincible and engage in risky, dangerous behavior behind the wheel. Though public transportation is a viable alternative for some—at least for the short term—driving is a privilege most will eventually engage in as they become independent young … Read more
Asked by Patrick from Mission Viejo, CA Patrick: Thanks for the question. The short answer is no, not every claim will result in higher premiums. In most cases, small claims filed under your comprehensive coverage will not result in higher premiums. (Replacing a windshield, for example.) However, claims in which you were at fault in … Read more
Asked by an anonymous InsureMe customer from Anonymous Thanks for the question. I’m sure many of us have been in the same situation. What you will find is your current carrier is most likely going to have an accident surcharge on the renewal. If you start researching insurance companies, you will find there are companies … Read more
Asked by Justin from Detroit, MI Justin: Thanks for the question. It’s a good one. According to the Insurance Information Institute, “The term ‘no-fault’ auto insurance is often used loosely to denote any auto insurance program that allows policyholders to recover financial losses from their own insurance company, regardless of fault.” [Emphasis added] “But in … Read more
Asked by Anonymous from Rhode Island Anonymous: Yes, of course you can pick it with us! InsureMe.com is a great way to shop for insurance because you can get multiple quotes from local agents just by completing one short form. That’s the good news. Here’s the bad news. Generally, insurance companies don’t like it when … Read more
Asked by Anonymous from Anonymous Thanks for the question! For others who might not know: collision insurance pays for the damage to your car, in the event of an accident. If the accident is your fault, then your insurance company will pay to fix your car as well as the others. But if you are … Read more