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FAQ's - Frequently Asked Questions What is auto insurance? Drivers purchase auto insurance for vehicles such as trucks or cars to protect them from losses that may occur when they are driving them. Am I required to purchase auto insurance if I own a vehicle? If you drive a vehicle in the USA or Canada, you are legally required to purchase auto insurance. What is the main reason for requiring auto insurance? Auto insurance provides drivers with peace of mind, as well as financial security if they are ever involved in an accident. Will I receive a grace period for payment of my premium? Most insurance companies will offer a minimum 15-day grace period to pay your premium before they cancel your policy. Does my insurance company have to advise me why they have cancelled or refused to renew my policy? Yes, all insurance companies must advise their clients of the specific reasons regarding cancellation or non-renewal. Will my auto insurance policy be valid if I drive in Mexico? You should check with your insurance provider because traffic laws in Mexico are very different from those in Canada and the US. You may require specific Mexican coverage. What is a high risk driver? A high risk driver is one who has received many tickets, been involved in multiple accidents or who was charged with driving under the influence. Young, inexperienced drivers may also be classified as high risk. Will my auto insurance policy cover me if I use my car in a car pool? Yes, you will be covered by your auto insurance policy if you operate a non profit-making car pool where drivers take turns driving and are reimbursed for their expenses by the other drivers. What is the main reason for requiring auto insurance? Auto insurance provides drivers with peace of mind, as well as financial security if they are ever involved in an accident. What is uninsured/underinsured motorist coverage? This type of insurance generally covers any damages caused to you or your property by another driver who does not have any auto insurance or does not have sufficient insurance to cover the damages. What should I do if I have an accident with an uninsured motorist? The first thing you should do is to contact the Department of Revenue in your particular state. They enforce the local liability laws, and they will perform an investigation of the accident. What are the most inexpensive cars to insure? The 10 least expensive cars to insure are a Buick LeSabre, Oldsmobile Silhouette, Honda Odyssey, Buick Park Avenue, Pontiac Montana, Mercury Grand Marquis, Buick Century, Chevrolet Venture, GMC Safari and Oldsmobile Bravada. What is gap insurance? Gap insurance provides coverage if your car is totaled, and it pays for the gap between the actual cash value of your car at the time of the accident and the amount due under the lease. |
