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Why does my insurance go up if I have an accident or get a ticket?

Insurance companies charge higher rates to drivers with tickets and accidents because they are statistically higher risks. Claims statistics and studies by law enforcement agencies show that the chances of having an accident increases depending on how many tickets and accidents a driver has already had.

If I lend my car to a friend, is he or she covered under my insurance?

Most policies will cover drivers who have permission to use your auto. But check your policy, or ask your agent, to see if the conditions of your policy will change for drivers who are not regular operators of the car.

I have an older car whose value is very low - do I need insurance?

You should always have bodily injury and property damage. In most states you're legally required to carry a minimum amount.

Will my insurance cover my leased car if it is stolen or totaled in an accident?

Your insurance company should handle your claims the same way whether you own, lease or finance your car. But, make sure to check on your company's rules about leased cars.

What does my auto insurance policy cover when I rent a car?

It depends on your policy. The best thing is to review your policy or ask your insurance agent. For example, your policy may cover cars rented for pleasure, like vacations or special events, but not for business.

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