Same-Day Car Insurance (2024)

FAQs

How do you answer insurance questions? ›

Think deeply about the exact question the agent asked, and only provide that specific information. Never admit to fault. Never admit to even being partially at fault. Never admit that you are uninjured.

You have a poor driving record – A history of collisions, traffic violations or DUI/DWI convictions make it difficult—and extremely expensive—to get insurance.

Assessing Your Driving History

One of the primary reasons insurance companies ask questions is to assess your driving history. This includes your previous accidents, traffic violations, and claims you've made. They do this to gauge your risk as a driver.

It can be quite complicated to insure a car that's not in your name. Depending on your situation, you have several options. You can add the car owner to your policy as an additional interest, get added to their policy, transfer the car's registration or get added to it or buy a non-owner policy.

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursem*nt against losses from an insurance company.

In the insurance world there are six basic principles that must be met, ie insurable interest, Utmost good faith, proximate cause, indemnity, subrogation and contribution. The right to insure arising out of a financial relationship, between the insured to the insured and legally recognized.

Reasons you may be denied car insurance

You have several moving violations and a less-than-perfect driving record. Your license has been suspended or revoked. You drive a fast, high-performance vehicle. You are too young to buy your own insurance policy.

That's because insurers are risk-averse and like to avoid situations that will cost them money. For example, some insurers may not cover models that are especially prone to theft in an area. Owners of some souped-up sports cars or high-end collector models may also find that some insurers are unwilling to cover them.

If you need a photo inspection during the claims process: A photo inspection required during the claims process will help to determine your insurance payout by creating a record of claimed damage and eliminating pre-existing damage from your claim.

Why do insurance companies refuse to insure? ›

When you are refused insurance it means that the provider has decided not to provide cover for your property or belongings. This may be because you do not meet the terms of their underwriters, or it may be because of a change in your circ*mstances which means you are perceived to be a greater risk to insure.

Common Auto Insurance Company Mistakes

Some of the more common mistakes insurance companies make include the following: Delaying a claim with no explanation. Failing to notify underlying plaintiffs in claims involving bodily injury. Moving all claims activity to the attorneys.

Most insurers allow you to add a significant other, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. Depending on the insurer, a significant other can also add their vehicle to a joint policy if both cars are kept at the same permanent residence.

In most cases, you cannot insure a vehicle that is not titled and registered in your name.

Can I add my children to my policy if they don't live with me? If your child doesn't live with you, she needs to have her own car insurance policy -- even if she's a co-owner of your vehicle. Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication.

Insurance is a way to manage your risk. When you buy insurance, you purchase protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad happens to you. If you have no insurance and an accident happens, you may be responsible for all related costs.

You want to know what strategies they have used to sell insurance and what personality traits have helped them succeed. Sample Answer: I've always been a people person. I like to get to know my clients and help them understand how our policies can benefit them. I also like to take initiative and work independently.

Stick to the Facts

Focus on the facts without adding opinions or assumptions. Describe what happened during the accident clearly and avoid discussing fault or other details. Never guess or estimate. If you don't know the answer to a question, admit that you don't know and move on.

Stick to what you know for sure and be clear and concise in your answers. If you do not know the answer to a question, say so, rather than guessing or making assumptions. “I can't be sure, but I'll bet the other driver was on the phone” is classic speculation that is best left out of a statement.