Collision Insurance Coverage
Reader’s Question:
My boyfriend borrowed my vehicle to buy something from the grocery store and he was rear-ended a driver who proceeded to drive off. I would like to know if I make a claim from my car insurance company in Knoxville, Tennessee to cover the damages to the bumper, will my auto insurance be affected since my boyfriend is not on my car insurance policy.
Samantha
Knoxville, TN
You will have to verify with your insurance company to determine if your car insurance coverages is extended to your boyfriend while he was driving your car under under your car insurance policy terms. If you give permission to somebody to drive your vehicle, normally car insurance coverage extends to them.
If your boyfriend resides in the same household with you and you did not add him as a licensed household motorist your insurance carrier may deny the claim however if he resides somewhere else and occasionally borrows the vehicle your insurance carrier in Knoxville, Tennessee will likely not take issue with his driving it. If your insurance carrier does not have an issue with your boyfriend driving the vehicle then you should be able to make a car insurance claim against your collision coverage.
Cheap SR22 Insurance
Q: How do you get cheap SR22 insurance if you have a new car?
A: If you have a new car, then cheap SR22 insurance certainly becomes a little more elusive. Instead of being able to get the cheapest prices, you have to deal with your rates rising because of the cost of your vehicle and the additional coverages you are required to have while you are financing your car. Some things related to new car ownership, though, can save you money.
One thing would be deductible. Just because you have to pay more for extra coverage doesn’t mean it’s all bad. You can save on your collision and comprehensive cheap SR22 coverage by raising the deductibles on each to at least a thousand dollars, more if possible. By accepting more risk, your car insurance company can ease the burden on you.
When you’re at the lot, make sure you stock up with a few things which may make the price of your car jump a bit, but which will save you money over the years, such as safety features and anti theft devices. Being well equipped opens the avenue for more discounts on your cheap SR22 insurance coverage.
Nashville SR22 Insurance
Q: I’ve tried a few companies looking for a Nashville SR22 policy, but can’t seem to get insured. Where can I go to buy Nashville SR22 insurance?
A: I can’t give you a concrete answer to where exactly you should go to get Nashville SR22 insurance, since companies in different areas will have different policies, but I can give you a general idea. If you’ve already looked at the usual suspects for car insurance coverage and have come away uninsured, then it would be good strategy for you to start looking among the car insurance companies which are for high risk drivers. Companies like these typically insure people who have cars which are too risky for your average car insurance provider, as well as people who’ve filed several claims or have a lot of traffic tickets. Most of the time, they will also sell Nashville SR22 policies.
Sometimes, of course, for one reason or another, often because you have more problems in addition to needing Nashville SR22 insurance, a car insurance company will deny you. If this happens to you, then you can choose to join the assigned risk pool with the state insurance department, and they will hand you over to a company for a higher price.
SR22 Tennessee Car Insurance
Q: My daughter is about to get her learner’s permit. I have SR22 car insurance. If I had her, my rates will go up, right? Do children with learner’s permits have to have car insurance?
A: Anyone who drives is required to have car insurance, or at the very least drive a car which is insured by someone else. If a driver is part of the household (defined as people who live together and are related by blood, adoption, or marriage) of the SR22 car insurance policy holder, then they must be a named driver on the policy so that the car insurance company can rate accordingly. If they are not added to the policy, the consequences are pretty harsh. Your policy could be canceled, and if your daughter got into a car accident, the company may choose to deny her claim.
Your rates will indeed go up if you add your daughter to your SR22 car insurance policy, probably by about 50%. If you take certain measures, though, you can make it to where it doesn’t rise that much. Make sure your daughter is taking a driver’s education course as she works towards her license so that she can get a discount. You and her can both enroll yourselves in a defensive driving course as well for an additional discount.
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