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Q.. WHAT ARE FINANCIAL RESPONSIBILITY LAWS

A. THIS IS THE STATE LAW THAT SAYS YOU HAVE TO PROVE YOU ARE FINANCIALLY ABLE TO PAY FOR ANYTHING YOU MAY BE RESPONSIBLE FOR WHILE DRIVING YOUR CAR.

Q. WHAT HAPPENS IF I CHOOSE TO DRIVE MY CAR WITHOUT INSURANCE

A. MOST STATES HAVE STRINGENT LAWS THAT MAY RESULT IN FINES AND PENALTIES.

Q.IS ANYONE COVERED WHO DRIVES MYCAR

A. UNDER MOST CIRCUMSTANCE ANY LICENSED DRIVER WHO HAS YOUR PERMISSION IS COVERED TO DRIVE. THERE ARE CIRCUMSTANCES SUCH AS EXCLUDED DRIVERS OR THOSE IN YOUR HOUSEHOLD WHO ARE NOT LISTED AS DRIVERS

Q.. WHAT IS TH DIFFERENCE BETWEEN COMPREHENSIVE AND COLLISION

A. COMPREHENSIVE COVERAGE IS FOR EVERYTHING SUCH AS VANDAILSM FIRE THEFT OTHER THAN COLLISION WHICH INVOLVES HITTING ANOTHER OBJECT AS A VEHICLE OR OTHER PROPERTY

Q WHAT ARE THE BEST LIABILITY LIMITS

A.STATE MINIMUM LIABILITY LIMITS ARE WHAT ARE REQUIRED BY EACH STATE. MANY INSURANCE AGENTS FEEL THIS IS NOT ENOUGH IN MANY CASES. AND THAT THE AVERAGE DRIVER SHOULD CARRY A HIGHER AMOUNT. MOST PERSONAL AUTO POLICIES WILL GO AS HIGH AS A 250,000/500,000/100,000 LIMIT

Q .HOW DOES MY DRIVING RECORD AFFECT MY PREMIUM

A. YOUR DRIVING RECORD HAS A DIRECT AFFECT ON THE PREMIUM YOU PAY. INSURANCE COMPANIE WILL ORDER DMV REPORT WHICH WILL HAVE AN AFFECT FROM 3 TO 5 YEARS. RECORDS SHOW THAT HOSE WITH TICKETS AND ACCIDENTS ARE MORE LIKELY TO HAVE AN ACCIDENT RATHER THAN THOSE WITH A CLEAN DRIVING RECORD

Q. IS LIABILITY INSURANCE REQUIRED

A. LIABILITY INSURANCE IS REQUIRED IN ALL 50 STATES. EACH STATE HAS SET THE MINIMUM REQUIREMENTS