Don’t be afraid to tell the other insurance company, no, when they ask for information.

When you are in a car accident, the only entity that you are obligated to give your insurance information to is the police officer at the scene. The other person’s insurance company only needs your insurance information if you were at fault for the accident.

They need this information to know what company to send the subrogation request to, so they can get the money they paid out for their client, back. If the other driver is at fault, the insurance company doesn’t need to have this information.

If you don’t have insurance and the other person is at fault, you are in no way obligated to share that information either. They are responsible for paying the claim, if their client is at fault, whether you have insurance or not.

Having a learner’s permit makes insuring a vehicle hard, but not impossible.

Q: I am planning on purchasing a car and financing it. I only have a learner’s permit right now, is there any insurance company that will provide insurance on it?

For this situation, you could possibly be able to find insurance for your vehicle. The finance company is only going to require that you have comprehensive and collision coverage on the car as part of your financing requirements. If these are the only coverages you are going to have on the vehicle until you get your driver’s license, you can’t legally drive the vehicle anyway, so the insurance company may be more willing to insure you.

To do this, you will have to talk directly to insurance agents and companies to explain the situation with the learner’s permit and see what you can work out.

What insurance you had in place determines if you have rental car coverage for an accident.

At the exact time of the accident, whatever insurance policy you had that was active are the coverages that will apply to the claim. If the policy you had with your old insurance company was the one that was active and you had rental car coverage on it, then you will have rental car coverage for the accident. Just because you switched companies before a claim has been closed with your old company, doesn’t mean you lose the coverages you had at the time of the accident.

On the other hand, if you didn’t have rental car coverage on your old policy that was active at the time of the accident, but your new policy does; you do not have rental car coverage.

Car insurance premiums are like math problems, change just one of the many factors and the outcome is different.

There are so many factors car insurance companies use to determine car insurance premiums that it is impossible to figure what a premium will be without a computer anymore. Each factor on its own determines if the rate will be higher or lower.

Factors the determine premium include:

• The specific vehicle
• Where the vehicle is located
• Driving record of the drivers
• Credit score (in states that allow it)
• Age of the drivers
• Number of drivers
• Number of vehicles
• Other policies
• Profession of the drivers
• Education level of the drivers
• Gaps in insurance coverage

Some of these factors are not used by every insurance company (education and profession). But even with ruling those out, that there are plenty of different factors that can easily raise or lower your car insurance premium if they change at any time.

Foreign vehicles and their drivers have limited options for getting car insurance.

Question: I will be travelling to the United States for holiday and will be having my car shipped over from Europe to use while I am here for the two months. How do I get insurance in place for my vehicle?

Answer: To be able to drive in the United States, insurance is just one of the requirements you have to meet. You also have to have a valid driver’s license to be able to use your vehicle here. A valid driver’s license either has to be one issued by one of the states in the U.S., or is a foreign driver’s license with an accompanying International Driving Permit.

For insurance, there are two different ways to go about this. One, you can call one of the larger insurance companies that you know of in the United States (GEICO, Progressive, Allstate, State Farm, etc.). Two, you can get an insurance quote for your foriegn vehicle from a website like ours, by using the zip code of the place you will be staying at during your holiday.