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Here are represented the most frequently asked questions about auto insurance that one insurer should know. It’s also very useful when a car owner has not yet insured his/her car and would like to know more about auto insurance.

• How to find insurance records from a previous owner of a car?

Let’s start from the point that Insurance Records are protected under State and Privacy         Policy Law. When deciding to find out such kind of information take into account that this means an invasion into a person’s privacy rights, that’s not justified from the legitimate legal point of view. Moreover the previous owner’s insurance history won’t be very useful for you. If you want to know the information regarding directly the car damage and reparation you can find it through the Car Fax and other on-line services of similar kind.

• Will my coverage protect everyone who drives my vehicle?

First of all the person who drives your car  must be considered as scheduled driver what means that he must have  your permission to use the car and he must be listed on your relatives insurance policy. The unscheduled driver may or may not be covered that depends on the case. Not being a direct family member a person using your car under permissive use rules may be covered if the use was not in violation of the law or insurance contract.

• Can insurance be transferred to a new vehicle?

In most cases the companies automatically cover a new car when you buy it but the type of coverage will depend on the period of time when you inform your insurer after the purchase.: 1-4 days comprise comprehensive insurance no matter what types of insurance you have on other automobiles; within 5-14 your new car carries the same insurance as your best coverage; After 14 days, you will have no coverage unless you have notified your insurance company and included the car to your insurance schedule.

• What is “no fault” insurance?

Within a No-Fault insurance your risks will be covered regardless of who is in fault. No-Fault insurance provides also a medical coverage previewed by a state law. Although not all states have “no-fault” statutes, but at the same time almost all the companies sell medical coverage within their auto policies.

• What is the difference between comprehensive and collision coverage?

Collision coverage refers to the case when your car has been in collision with some other object, most frequently with other car. But you should keep in mind that deductibles have to be paid in any case. They usually vary from $250 to $500 and that’s the amount you’ll have to pay before the insurance company covers the rest of losses.

The comprehensive coverage comprises fire, theft, damages caused by natural diseases including windstorm, flood, animal contact and vandalism. This coverage is more appropriate in case when you do not use your car. But usually most customers prefer the two of these coverage; Deductibles for comprehensive coverage are set the same way as in case of collision;

• What is personal injury protection (PIP) coverage?

Personal Injury Protection is relevant in “no-fault” state. It covers your own medical, hospital and funeral expenses, as well as all those of your passengers and injured pedestrians’. In addition lost wages and other accident related expenses may also be covered. But the State Law defines very strictly what must be covered and with how much coverage.