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It depends upon your father's abilities. While the eyesight, hearing, reflexes, and other faculties of some seniors are more than adequate for driving, the driving abilities of other individuals may deteriorate badly with advanced age. Numerous states have instituted more stringent license renewal policies for elderly drivers, such as more frequent and in-person renewals, eye tests, and driving tests upon reaching a designated age. |
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Many insurance companies issue automobile insurance, so you should have little trouble finding a good one. There are many shopping options when looking for insurance:
Shop online to compare multiple companies and rates at once. You'll save time and probably money as well, if you take the time to shop around.
Contact a local insurance agent. You may want to look for an independent agent who can explain coverage and give you quotes from several companies. The best way to find a good agent is by asking for recommendations from people you know.
You can also purchase insurance from a company that sells directly to consumers rather than through agents. |
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With the rising cost of fuel, insurance, and automobiles, more and more urban Americans are choosing to use public transportation for day-to-day travel. But when it's time to flee the city, you probably find that a car is the easiest way to get where you want to go. If you drive at all, it's a good idea to have an automobile insurance policy--even if you don't own a car. |
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As you send your children off to college, you probably have a lot of things on your mind - whether they'll eat right and get enough sleep, how to pay the tuition bills, what to do with that empty bedroom, etc. For most people, insurance concerns are pretty low on the priority list. But there are some important issues you should consider. |
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A standard auto insurance policy is a package of different kinds of coverage. You generally have some flexibility in terms of both the types and amounts of coverage you select. However, practically every state has enacted insurance laws that require drivers to carry at least some auto insurance. Many states even require that you present proof of insurance before you register a car. So the short answer to the question is that you will probably need to insure your car, regardless of its value. |
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Whether you lease your car or have an outstanding auto loan, GAP insurance can provide valuable protection during the early years of your car's life. As we all know, a new car's value drops the minute you drive it off the lot. And unfortunately, if a bus plows into the side of your new car five minutes after you drive it off the lot, your insurance only covers the actual cash value of the car. At this point, there's a good chance the insurance payoff isn't enough to pay off your outstanding lease (or loan) balance. |
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People are often confused about who is covered under a standard auto insurance policy. There are typically only one or two names listed in the "Named Insured" section of an auto insurance policy, but that doesn't mean that those are the only people who are covered under the policy. As a general rule, auto insurance coverage actually follows the vehicle, not the driver. So if your car is involved in an accident, the car typically receives the full coverage provided by the auto insurance policy, regardless of who is driving. |
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That depends on which state you live in. Each state has its own rules governing the cancellation of automobile insurance policies. You should check Part F of your personal auto policy (PAP) regarding termination and cancellation conditions. This section will address when, how, and for what reasons coverage under your personal auto policy can be terminated. You should also check any applicable endorsements regarding cancellation. |
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Insurance premiums depend on several factors, including your age, sex, place of residence, and driving record; the amount and type of coverage you select; and whether you drive your vehicle primarily for business or personal purposes. This explains why one driver might pay a different premium than another for the same make of motor vehicle. |
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In most states, auto insurance functions under a traditional fault-based system. Under this system, insurance companies make payments based on each person's degree of fault in an accident. However, long and costly court battles may be required to determine who was at fault in many accidents. In an attempt to reduce this problem, thirteen states (CO, FL, HI, KS, KY, MA, MI, MN, NJ, NY, ND, PA, and UT) have adopted an alternative no-fault system of insurance. |
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