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Getting You the Most for Your Money Let our team assist you in determining the best type of coverage and which company is right for you. We work with several of the industry's leading insurance companies and can get you the most for your money. |
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| Auto Insurance Do I have to carry Auto Insurance, and is it available for everyone? Most states such as Tennessee, have laws in the books that require basic auto insurance coverage for every driver. A few states ask only that you demonstrate 'financial responsibility'. Yes. Since most states require auto insurance of all drivers, the states have assigned risk plans to assure coverage if you are unable to find an insurance company willing to accept you. The exact type of plan varies from state to state, but assigned risk policies are usually relatively expensive. Why? Because a bad driving record makes you a bad risk for any insurer – even if they must accept you. |
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| What happens if I drive without Auto insurance? If you are involved in an auto accident or stopped by a police officer and found to be driving without car insurance or proof of financial responsibility, you will be subject to penalties specific to the laws of your state. For violation of the financial responsibility law, those penalties could include a fine or loss of driving privileges. If you are uninsured and in an accident that involves property damage or injuries to people, you will be required to pay out of-pocket for any damages assessed by a court. |
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| Who is covered by my Personal Auto Policy? You and the family members, friends and associates that you let borrow your car are all covered by your personal auto policy. Explicit permission is not required each time they borrow your car. They are covered as long as they have a reasonable belief that you would have permitted the loan. |
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| Who is covered by my Personal Auto Policy? You and the family members, friends and associates that you let borrow your car are all covered by your personal auto policy. Explicit permission is not required each time they borrow your car. They are covered as long as they have a reasonable belief that you would have permitted the loan. |
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| What is Auto Insurance and can it keep me from getting sued? Auto insurance is a contract with an insurance company that can protect you against severe financial loss if you are ever in an auto accident. Varying types of coverage act as a bumper against various accident-related expenses, like liability, medical costs, damage to vehicles, and property damage. Although it helps, having car insurance does not stop anyone from suing you. It does provide the assurance that, if you are sued as the result of an automobile accident, the financial and legal resources of the insurance company will assist you in defending against the suit and paying any resulting damages up to your policy limits. |
© 2008 Melissa Dos Santos Design