——————————————

Answer by JetDoc
You can get plenty of free legal advice right here on Yahoo! Answers, but remember…

Free Legal Advice is worth exactly what you paid for it.

Answer by granny racer
you can get all the legal advice your pocket will afford, however, in my many years with autos, it is not the insur. companies responsibility to check on your license. Any car can be insured with or without a valid license. I could even insure your vehicle, though it’s not in my name. you lost your car due to YOUR neglegence, not the insur. company’s. But you CAN simply check with your state’s dept. of motor cars for specific answers.

——————————————
Add your own answer in the comments!

——————————————

Answer by caylo2ooo
of course you can send it in to your health insurance, then the health insurance will bill the auto insurance. thats what they did for me after my automobile accident.

——————————————
Know better? Leave your own answer in the comments!

——————————————

Answer by ET
Find an independent bureau that does business with many insurance companies….my insurance bureau can get me quotes from 50 companies within a week.

Answer by ron s
quotes for ins. silly idea but try speaking to ins. salespeople. or even try their web sites. to get free quotes.

Answer by JetDoc
Pick up a local telephone book, turn it to the page that lists insurance agents and begin making phone calls.

——————————————
Add your own answer in the comments!

——————————————

Answer by Dillon R
Progressive is cheap and covers well as long as your a good driver.

My mother used it for 10 years and still uses it.
I’m going to use it when i get a car

Answer by cathy.rossell
Don’t go with progressive or safe auto.
You’ll over pay and safe auto sells your information.

Answer by Rohan2Rule
Franklin

——————————————
Give your own answer to this question below!

——————————————

Answer by rottendog93
If you think $ 140 was ridiculous, just wait till you see what is coming up now.
Best deal? It’s based on many things things including your driving record, credit rating, income, time you have been driving, age etc….

Answer by Stephen
How much do you think about to be maximum coverage automobile insurance? You can buy an “umbrella automobile insurance” and each million coverage is around 100-200$ annually.

Answer by Fork
I pay 60$ per month for my 2006 Toyota Campry. Here is my automobile insurance plan – autoinsurance.noneto.com

——————————————
Add your own answer in the comments!

——————————————

Answer by awakeatdawn
No you do not have to have it to drive legally, but it can be useful in some areas. If you are in an accident with someone who does not have liability insurance (illegal to drive this way) Uninsured motorist coverage will pay for the damages. If you do not have this coverage, and they do not have insurance, you are stuck paying for the damage yourself. You can always try to sue, but you can only take money if they have money. This insurance will pay for your bills if you are harmed in an accident with an uninsured motorist. Only you can decide if it is worth it.

Answer by la428282
only like the MOST IMPORTANT COVERAGE EVER! You know how many people drive uninsured? Well, if one of those people hit you.. and you are seriously hurt.. this is the coverage that will take care of you. It is incredibly risky and stupid not to have it. Ive seen hundreds of people screwed over… and hundreds of thousands of dollars in debt.. b/c they didnt have this.

——————————————
Know better? Leave your own answer in the comments!

——————————————

Answer by butwhatdoIno?
Oh yeah. And it also can deny if you are drinking, racing, showing off, doing stunts…etc. They do not want to pay out at all – that applies to all of them.

Answer by ME
it depends… the policy might specifically exclude coverage if it can be determined that no seat belt was worn. if it states it in the policy, then yea, they can deny coverage.

Answer by George D
Unless your policy covered other people driving your automobile (or the other persons insurance covered other automobiles they are driving), then they probably will not pay you anything anyway.

If your friend was not wearing his seatbelt, and bounced his head off the windshield or was injured, then they probably will not pay you even if you had coverage for them driving it.

——————————————
Add your own answer in the comments!

Thanks.

——————————————

Answer by Nate W
1)Each company will have a minimum limit of liability for each type of policy that the umbrella covers. In my company for instance, the umbrella requires 250,000/500,000 in liability coverage for autos. It would be redundant to add more b/c the umbrella will kick in on any claims higher than 250,000/500,000. Find out what the minimum amount of liability is for your company and set it there.

2)Edit* Sorry to change my answer, but I realized that really this really varies say to say and did not want to give you bad advice. An insurance agent in your say will be able to give you a much more accurate answer than you will find here.

Personal Umbrella Policies or PUPs are fantastic for anyone with assets over $ 500,000. By nature they are fairly comprehensive and extremely inexpensive for the coverage they offer.
Hope this helps!

Answer by ltlrthquakes
1 – liability coverage is very cheap. The difference between the 300 and the 500 is probably only dollars a year.

When you begin an umbrella policy, the insurance company has certain limits that you have to have. Usually it is the highest that they have – (ie 25, 50, 100, 300, 500). They wont cover you until the first part has been attained – ie if they want you to have a limit of 500K and yours is only 300K they wont cover you until you hit the 500. (you would be responsible for the difference). I am sure you have a respectable agent that would ensure that you are adequately covered to prevent this from happening.

As for the medical coverage – this would cover passengers in your automobile etc… There would also be a threshold that you would have to meet prior to the umbrella policy picking up the tab. I would advocate getting this coverage because it, like liability, is also very cheap.

Answer by God
please try this
Thehelp

——————————————
What do you think? Answer below!

——————————————

Answer by steph
Its up to the bank. My guess is that since the amount owed is so low – no – but that doesn’t mean they cannot require it.

Answer by Eliza
If you are using the automobile as collateral you will have to have full coverage. If you are just taking out an unsecured personal loan then you will not need full coverage. Think about what will happen if the automobile is totaled will you be able to make the loan payments and afford to buy new transportation? You might want to but full coverage even if they do not require it while you still have the loan.

Answer by Davidson Whyte
Good Day,
We are a Legitimate Reputable Money Lender. Getting a legitimate loan has always been a large problem to clients who are financially in needs. DAVIDSON LENDERS has been accredited by the lender’s council to give out loans to local and international clients. We have been given the privilege to meet your financial needs. The issue of credit shouldn’t stop you from getting the loan that you need and we have made that difference in the lending industry. We gave out loan ranging from US$ 1, 000 to maximum US$ 5, 000, 000 to individuals in need of financial assistance, that have a bad credit or in need of money to pay bills, to invest on business etc.
Services Rendered include:
**Refinance
*Home Improvement
**Investment Loan
*Debt Consolidation
*Business Loans
*Personal Loans
*International Loans.

You can contact us via email,davidsonloanfirm88@yahoo.com

REGARDS,
DAVISON WHTYE

——————————————
Give your own answer to this question below!

OK. Back in 2005, I rented a automobile from Enterprise with FULL coverage insurance.

1 day I was on my way to school because I had a deadline to turn in a research paper that was 30% of our grade, & my sister 2x my age locked me in the home on purpose & thought it was funny. I got in the car, & drove it to school, & I panicked & got into a wreck & the automobile crashed into a little tree on the median. It was only a fender bender. But the company tried to state it was totaled for over $ 2,000 worth of damage. Everyone else who saw, stated it was a fender bender. The twigs got inside the light on the left side of the front of the car. But that could’ve easily been fixed. Not sure. But the wheel alignment was messed up. Does that mean the automobile is totaled? What does TOTAL a automobile mean? That it could not be fixed?

Well, I was just speaking about it today, & a lot of people on the web had ganged up on me & attacked me. Now I am feeling sad & hurt. About to cry. & they were calling me dumb, irresponsible, etc. Very hostile & angry @ me. They act like I wrecked THEIR “personal” car! People get into accidents all the time. Anxiety disorder or not.

& they were saying that since I had full coverage, I shouldn’t have been banned. & they were saying my story did not make sense. But people look for any & each reason to discriminate against me. It’s not fair.

——————————————

Answer by hairhorn
$ 2000 damage =/= totalled

Answer by Ang P
No, usually rental automobiles only covers 3rd celebration insurance, which means it does not covers you who is the leasee. www.cars4rent.com.sg , they used to publish something on motor rental insurance in their website, not sure if its still there

——————————————
Add your own answer in the comments!