What Is An At Fault Car Accident?
QUICK ANSWER An at fault car accident occurs when a driver is determined to be responsible for a collision due to negligence or a violation of traffic laws. In most states, the insurance company of the at fault driver is responsible for covering damages and medical expenses for the other parties involved. To determine fault, […]
Does Car Insurance Cover Flood Damage?
QUICK ANSWER Standard liability insurance does not cover flood damage to a vehicle. To be protected against water damage from natural disasters like hurricanes or rising rivers, drivers must carry comprehensive coverage. This optional policy pays for repairs to the engine, interior, and electrical systems caused by non collision events. It is crucial to file […]
What Is A Clean Driving Record?
Most people assume their record is fine until they apply for a new policy and see an unexpected rate hike. A driving record is not just about what happened yesterday. It is a multi-year look at your behavior behind the wheel. Insurance companies use this data to predict the future. If the data shows a […]
Someone Hit My Car Whose Insurance Do I Call?
QUICK ANSWER If someone hits your car, the first call should always be to your own insurance company, regardless of who is at fault. Your insurer acts as your advocate and can help you navigate repairs, towing, and claims processing. If the other driver is clearly at fault and insured, you can file a third […]
What Is An FR-44 Form And Do You Need One?
QUICK ANSWER An FR-44 is a certificate of financial responsibility required exclusively in Florida and Virginia for drivers convicted of serious offenses like DUIs. Unlike the more common SR-22, which proves a driver carries minimum liability coverage, the FR-44 mandates significantly higher liability limits, often double or triple the state standard. This filing is a […]
Is Car Insurance Tax Deductible: What You Need To Know
QUICK ANSWER Car insurance premiums are typically not tax deductible for personal vehicles used for commuting or errands. However, self employed individuals, freelancers, and business owners who use their vehicle for work can often deduct a portion of the cost. Taxpayers must choose between the standard mileage rate, which includes insurance costs, or the actual […]
Do You Need Insurance to Register a Car?
For drivers across the United States Car Insurance is more than just a smart financial choice. It is a legal requirement. In almost every state you need a policy to register your vehicle with the DMV. Moreover you are legally required to carry proof of that policy while driving. CheapInsurance.com serves as your comprehensive guide […]
Will Insurance Pay for a Rental Car During Repairs?
QUICK ANSWER Your car insurance will only pay for a rental vehicle while yours is being repaired if you have specifically added rental reimbursement coverage to your policy beforehand. This optional add on typically provides a daily allowance for a rental car for a set number of days while your vehicle is in the shop […]
Do You Need Non-Owner Car Insurance?
For most people, car insurance is tied directly to a vehicle sitting in their driveway. But what happens when you’re between cars, or you rely on rentals and car-sharing services? Many drivers mistakenly assume that if they don’t own the keys, they don’t need the coverage. The reality is that a gap in your insurance […]
When will a speeding ticket show up on insurance?
QUICK ANSWER A speeding ticket typically impacts insurance rates only after a conviction is recorded and the policy comes up for renewal. Insurers check driving records periodically, so a ticket received mid term likely won’t raise premiums until the next renewal cycle, often staying on the record for three to five years. Drivers may be […]