Auto and Car Insurance - The General Auto Insurance Knowledge Base

The General Auto Insurance Knowledge Base

Is Western General auto insurance any good? I got a quote from survival for auto insurance that was better than most others. The company who is insuring me is western general. I never heard of this company and am a bit worried about how they handle accidents. Are anyone else insured by Western General? If so how are they and how do you rate them?

who is normally allowed to drive your car under most general auto insurance policies?

How good isThe General auto insurance? AZ people unless its offered other places

If auto insurance will pay a claim when the insured is at fault, why is it different with general liabilty? This deals with contractors and sub-contractors. If I am paying for a general liability claim why won't insurance cover damages in an accident?

Auto insurance company that wants me to pay upfront? I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "reimbursement" check. I don't want reimbursed for something that their insured driver did to me! I just want them to cover all costs associated with the claim! What, if any, legal action can I take to have the matter proceed in my favor?

In general, how much should one expect to pay for the minimum auto insurance? I'm in NY, 22, 1 speeding ticket ever, no accidents, 94 altima. I know that's probably not enough info, but what's a ballpark number?

What Auto Insurance Company do you use and would recommend? And have you ever heard of western general insurance company / Insure Express? They have a pretty good rate, but I've never heard of them before.

Help with general terms for most auto insurance policies.? I started working on this, but I want to double check my answeres before I submit it. Please help me. Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response. Help him out by doing that for each of the following items. The cost of a medical checkup for his passenger, Ruth The front and rear damage to his car The damage to the car in front of him The damage to the car behind him The total amount of liability protection for bodily harm and property damage

I have a small office cleaning business, will my customers ask for proof of my auto insurance? Will they need proof of auto insurance or just a certificate of insurance of general liability insurance to cover slip and fall cases etc.?

Auto Insurance? I live in florida and had direct general auto insurance. I got a new policy with geico that is $60 cheaper per month and wanted to cancel direct, and they told me I have to come to their office to cancel. I am not about to drive 30 miles to their office in my old beater truck that goes through a quart a day, and stalls every other block, just to cancel insurance that costs more per month than my whole truck was. Will my license get suspened or will they just cancel the policy if I just abandon it and use geico?

What is a typical range of costs for teen auto insurance? I have to say - this field is RIPE for a good consumer survey that gives some general ranges of insurance by state or region. Nearly everything online - (correction - EVERYthing) on line links to get quotes from insurers (commercial sites) . Fine, but suppose a kid is in the early stages of learning about cars and parents are new to the kid driver insurance game and they just want to get a feel for ranges of prices based on region, car type, first time driver, male/female, etc. Let's assume a modest new car in the $25,000 new range and a responsible kid with middle income family - good insurance history. The new driver is added to current parent policies. Is the range $1000 to $3000? Or narrower ... $1500 - $2500.

Is www.Thegeneral.com ..auto insurance good? "1 800 general"?

Does anybody have operators insurance as opposed to auto insurance? I dont have a vehicle but i need to be insured as a driver. I cant find any auto insurance places that allow this. I have tried Allstate, Progressive, Geico....the only one that will do it is the General. Do you know of any others? I wuold atleast like to know if I have more options b4 i sign onto the General.

I recently moved to Brooklyn and I need to find affordable auto insurance for my car. Any suggestions? I know car insurance in NY is expensive in general, but any suggestions would help!

liability auto insurance for fwd vs 4 wheel drive--general %..?

MA Auto Insurance? Can anyone explain in general terms how auto insurance now works in MA? When do steps decrease and when do the rates go down? 3 years, 5 years?

Why is there no competition amongst Massachusetts auto insurance? I have to write a term paper about a state, local, or federal issue and I've decided to write about why massachusetts is the only state in the coutry that will now allow any competition amongst auto insurance providers. It's an issue amongst drivers state-wide and Im wondering if anyone knows anything about this obscene policy that might help me put this puzzle together. If anyone has any websites or just general knowledge that may help me, I would appreciate it.

General Contractor looking for General Liability Insurance for another state? I am currently a Residential contractor looking for General Liability Insurance that would cover me in other states as in Georgia. I was wondering if anyone knowes of an Insurance company that may underwrite my buisness for structural repairs. It may seem as simple as asking my insurance company"state auto" but they are having a hard time finding a company that would underwrite this.

How much are you paying on your auto insurance? Should I call the General?

auto insurance renewal? Hello all, My current auto insurance is ending next month and the renewal form just came in. Coincidently, I was offered a better deal from another auto insurance that was less than half of what I currently am paying. I called and check and it was the same coverage. My question is that do I need to let them know that I will not renew my current auto insurance with them? This is my first time planning on switching and I would like to know if there is any penalties or anything in general I should worry about.

I have a friend who was involved in a minor auto accident. His car was hit from behind, and he, in turn,? slammed into the car infront of him. He would someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanation of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only personal auto insurance policy as a guide. The cost of a medical checkup for his passanger, Ruth. The front and rear damage to his car, the damage to the car in front of him, the damage to the car behind him, and the total amount of liability protection for bodily harm and property damage.

Heard of an auto insurance company called DIRECT? The company in Raleigh, NC tried to charge me 26% interest for "low monthly payments", slipped $400 worth of unwanted "options" and wouldn't give me my check back when I told them I didn't want to do business with them. Even though I didn't sign the contracts, they deposited my check and applied for an insurance policy in my name. They called the police on me when I went back to demand my money. The police officer told me to report them to the North Carolina Attorney General. I did and eventually got all my money back. Just want to know if anyone else has had a bad experience with this company?

Pay-as-you-drive auto insurance: do you think this is a good idea? An alliance of insurance companies and environmentalists wants to bring a new kind of mileage-based auto insurance to California and charge motorists only for the number of miles actually driven. Called pay as you drive, the option is available from a few insurers in 34 states ... as well as Canada, Japan and Europe. One company, GMAC Insurance Group, says its customers -- whose mileage is tracked by General Motors Corp.'s OnStar system -- have reduced the premiums they pay by 13% to 54%.... The system could cut motoring costs, protect the environment and reduce traffic congestion, boosters say. Opponents, mainly privacy advocates, say they fear that insurance companies could begin tracking more than just a driver's mileage. High-mileage drivers could also see higher rates. from the Los Angeles Times http://www.latimes.com/news/science/environment/la-fi-carinsure15-2008jul15,0,6970018.story

Few auto insurance questions..? Hi, Doing a report for law class(Who said law school is easy?) about insurance fraud and their processing in general. 1)So when you file a claim,how long does it take for them to catch fraud? 2)What happens after you file a claim?Do they start to investigate everything?Is fraud usually caught in this part of the process? 3)What if the other person frauds and lies?What happensthen? 4) Are the consequences different?Like if you lied about one small thing VS a big thing? 5) What if they find out you frauded AFTER everything is done? (Like repairs) 6) Do they find out if you lie before they repair the vehicle?(Or hand over the check otherwise..) 7) Can they change their minds about paying after they already paid and make you pay it? 8)What if the police reports say you are not at fault but you said something different? *Basically, this being about fraud,I need to know about frauding insurance. Share your stories!Thank you so much and Bless you for helping this burnt out college student.

Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slamme Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response. Help him out by doing that for each of the following items. The cost of a medical checkup for his passenger, Ruth The front and rear damage to his car The damage to the car in front of him The damage to the car behind him The total amount of liability protection for bodily harm and property damage GREAT OBSERVATION EINSTEIN!

I need help with car insurance please!? Ok here's the deal, im 18 yrs old and i currently financed a vehicle with the assistance of my mom. I agreed to pay for the car and most of the insurance. I financed the car with the plan of paying only general liability car insurance. After signing the car from the used car dealer, it came to my knowledge that i will have to get FULL coverage auto insurance. The reason behind this is because i need to protect the auto loan that i got to finance the vechicle. It is impossible for me to pay for full coverage of this vehicle as i called for a qoute and learned that i would have to pay an insane 300-400 a month. I dont know what to do, im going back to the dealer to explain the situation and hope he will be willing to get the car back. If the dealer wont agree to get it back, what are my options? Can i sell the car privately and pay off the loan with the money i get from selling it? My goal is to just buy a really cheap car straight up and only pay for general liability insurance. Help!

Where can I get good insurance leads? I sell Contractors Insurance for roofers, electricians, plumbers, carpenters, etc. I sell general liability, workers comp., tool coverage, commercial auto, etc. Where and how can I find some good leads of contractors who need insurance or need to renew their current insurance?

What is insurance? general definition. but like life insurance and auto insurance

I need the e-mail address and the webb site for the Office of The Attorney General, USA? I'm checking to see if there are any problems or complaints with an auto insurance company prior to changing my current policy

I would like to learn insurance? I am currenlty working for an insurance company that specializes in insurance for commercial accounts. I'm the receptionist so I really don't do much. I would like to take on more responsibility but here you do not get respect without a liscense. My boss will pay for my classes but I don't know the first thing about insurance. From what I hear we deal with general liability, fiduciary liability, d&o, life, commercial auto, and workers comp. Also we have a dental department. Before I go into my classes I would like to know the basics is there a place online that can help me, or a book I can pick up somewhere? Thanks for the help guys.

Are licensed independent insurance agent required to have an physical agency location to sell for ins carriers I'm a Florida 220 General Lines Licensed Agent. I'm seeking to offer a simpler way of shopping for auto insurance by providing the cheapest auto insurance quotes from top 15 insurance companies to consumers via my website. The completion of the application will take less than five minutes. We will match the consumers application to all affiliated insurance companies. Then our system will show the lowest rates out of those fifteen for you. After you compare car insurance rates you will be given the option to purchase a low cost policy online. I would like to get set up with the following insurance companies: Progressive, GEICO, AIG, Arrowhead, Electric, Encompass, Esurance, The Hartford, Liberty Mutual, MetLife, Permanent General, Safeco, Travelers, and Unitrin. By comparing rates from a broad list of companies we'll improve the consumers chances of purchasing the cheapest insurance.

California Low Cost Insurance it is new produce just added help low income more info please call 408-207-5656? Bell Agency General Insurance Lic # 0F92872 Marry Bell Dear Sir or Madam! Do you have Health or Life insurance for your employees? Or are you happy with current company? would you like to find out about Our Special produces? Please call Us at any time. We are independent Agency, which is we have many different insurance company available for your choices. Specialist Life & Health Insurance: (Group & Family) Kaiser, Health-net, Blue Cross, Blue Shield, United Health Care, AIG, WRL. Also we do have Public Auto Commercial State of California Risk Assigned Plan.(If you have been turn down in the last six Months). Taxis, Tour Buses, Van Pools, Day Care, Social Service, School Buses, Church Buses, Shuttle Buses, Limousines, Ambulances, Driver Training, Fire Dept, Agencies. Trucks over GVW. We have California low cost automobile for your employees: California Automobile Low Cost $286/ Year Liability only, Special new Produce most Agency don’t have. Please call for quick Quote and an Appointment Mon-Sat 10-7 We are looking forward to hearing from you; Sincerely; Marry Bell 621 Tully RD Suite A-207 (2ND Floor) San Jose, CA 95111 Marry Bell: 408-207-5656 LoveHouses@yahoo.com www.WeHelpUSale.com

How to get more leads? I sell Contractors Insurance - general liability, workers comp. commercial auto, tool coverage, bonding. How can I get more leads for people who need Contractors Insurance in the Western United States?

How many Independent Medical Evaluations in a given year? I am trying to find out how many Independent Medical Evaluations are conducted for insurance defense (workers comp, general liability, disability, and auto) in Pennsylvania in a given year. Any idea how I can find this number out? I'm wondering if I should call the workers comp board or various insurance companies, I'm not sure. Thanks in advance!

finance concepts help? Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response. Help him out by doing that for each of the following items. The cost of a medical checkup for his passenger, Ruth. The front and rear damage to his car. The damage to the car in front of him. The damage to the car behind him. The total amount of liability protection for bodily harm and property damage.

What did the new car dealerships do with all the vehicles involved in the floods from Katrina Hurricane? I'm interested if I can buy a 4x4 pickup that was involved in the floods from the hurricane. Did the dealers or insurance companies scrap all the vehicles? I'm a professional auto technician @ my hometown General Motors dealership for 20 years and I'm not afraid to buy one [if avaliable] and restore it for my own personal use. How would I get in contact with the dealers or insurance companies?

I need a second opinion on this bus.fianance question? Bob Brown was recently involved in a minor auto accident. His car was hit from behind, and he, in turn, slammed into the car in front of him. He would like someone to explain his coverage and show him where, in his auto policy, each of his losses might be covered. The explanantion of coverage and the location of coverage should be in general terms for most auto insurance policies, please do not use only your personal auto insurance policy as your guide for your response. Help him out by doing that for each of the following items. The cost of a medical checkup for his passenger, Ruth The front and rear damage to his car The damage to the car in front of him The damage to the car behind him The total amount of liability protection for bodily harm and property damage

Would you be for legislation that promotes being drug free ? Voluntary drug testing on regular basis to prove one is drug free recieves incentives such as: 50% refund on medical insurance paid out of pocket, 3% income tax refund, lower auto insurance etc...? Possbily increase these rates in general and give larger deductions for proving one is drug free. Why would you be for or against this? PS: use the higher rates to pay for helath care, police and other expenses directly attributed to illegal drug use.

Tax question, any thoughts? If you are a tax payer and you get to claim the people that you support as dependents such as your wife and childeren is there a way to claim as dependents the people that benifit from programs supported by your tax dollars that are not offered to you? This is flat out mandated redistribution of wealth by the state. One example that comes to mind is the auto insurance surcharge to help pay for UNINSURED MOTORIST? We have that in the very blue state of New Jersey. What a concept huh! So and so pays his auto insurance all the time so hit him with a little bit more to take care of so and so who refuses to pull his weigh. My law, if you choose to drive without insurance and you get caught your car gets impounded and you will be fined $100 for the first offense, this money going into a general fund to lower the cost of auto insurance for law abidding citizens. You will have one month to get your auto insurance situation in order, if not the vehicle gets reposessed or sold at auction.

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Need help with Job search? Hi I am a resident in NY , currently not working and I just graduated with my MBA in general management. I actually have no idea what I want to do and it's killing me! I had jobs in retail enviornments to get by and I even have some auto insurance experience however I am not interested in any of these positions or any type of work being a front line worker. Can someone suggest some job searching tips or maybe some suggestion on how I can figure out what I want to do? It's tough. Thanks.

Not at fault auto accident? I was involved in a car accident a couple of weeks ago that was the other person's fault. I really do not want to hire an attorney but I do not want to get screwed on my medical settlement either. In general, what should I expect to get for the medical portion. I have heard 3 times your expenses (to allow for pain & suffering, inconvience, etc). Is that usually true? Also, I've had people tell me that my insurance company should be dealing with the other person's insurance company for me. Yes? Is that the best way? Thanks for the answers! I don't expect to get a huge amount but I just have no idea what to expect. I'm mostly just trying to figure out how I will know if they are offering me a fair settlement. There was never any indication from my insurance company that they would help me deal with this (other then "if you don't think what they offer is fair, call us and we can tell you if we think it's fair"). Thanks again for the responses. So can anyone give me some guidance on how to know if it's a fair settlement or not?

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Auto insurance company that wants me to pay upfront? I need general information concerning car insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "reimbursement" check. I don't want reimbursed for something that their insured driver did to me. I just want them to cover all costs associated with the claim. What, if any, legal action can I take to have the matter proceed in my favor?

What kind of insurance does you/your family have? 1) Safe Auto 2) Progressive 3) Geico 4) Esurance 5) The General 6) Other (_____)

Auto body repoir, rough estimate on cost? Someone backed out of a parking spot as I was driving by and raked the side door and rear panel of my 93 Honda Civic Coupe. In my opinion, the door is repairable with some good "stucco" or whatever they call it, but the damage to the panel behind it goes in a number of inches. It's not a part that can be simply removed and replaced. Does anyone have any rough estimate as to what it could cost as I'm concerned this will cause the insurance to total the car which I don't want because the car is worth way more to me to keep it. I'm going to get estimates myself, but would like to have some sort of general idea. The rough estimate thus far is about $3,000+, just so you know.

Who actually spends 15-18% of income on transportation costs? I have read that a general guide for how much you should spend on transportation is 15-18% of your take-home pay. This seems to be a near impossibility when you account for the current gas prices and insurance rates for someone under 25. Has anyone actually achieved this guideline on a moderate after tax income of around $25,000 or less and an auto loan as well? Or do you just say "shucks" and cut expenses somewhere else to make up for it?

Burned Out/Current Job/Should I quit? Here is the scenario I am an auto claims rep for a large insurance company. I have been here for about 3 and a half years. I did not take the job to continue to handle auto claims or claims in general for the remainder of my career. I wanted to get into underwriting/marketing or some other more exciting functional area However, I have not been successful in obtaining such a position. I applied for a position within the organization (both in the local office and another office within the state) Now I am completely mentally spent. I am very intelligent (graduated high honors from college). and the job is burning me out. I cannot standing doing administrative and routine tasks. I need more challenge/stimulation I have tried to look for another job in the meantime, but have not been successful. I don't have alot of free time with my commute to look. I have had some interviews, but I am afraid my burnout may be showing through in the interviews. Should I just quit and recharge? Thanks for all of your responses. That was really fast. This was the first time I used Answers. I do have enough savings (I already save like mad). I have roughly enough for one year's , probably a year and a half I am a ultra frugal. I am at the point that I would work part time if my job search was initially unsuccessful I am just really concerned that if I don't recharge my batteries, I will be stuck here forever. :( Really, it has been eating away at me. LOL I am on yahoo answers right now..see I am distracted here ;)

What test should take first to get my CPCU designation? I recently started a new job as a commercial P&C underwriter. My company requires that I work toward a CPCU designation and is paying for everything. I know that there are 8 exams; 5 foundation and 3 under the commercial concentration. I am new to the insurance industry and I want to know which exam I should start with. I don't think it's required to take them in order. I want to take the ones that will help me learn my job first. I will be writing Work Comp, General Liability, Property, and Commercial Auto. Any help would be appreciated.

Do you think America is heading towards a big depression? 1) Big financial institutions keep on write off their portfolio while foreigners are lending them money with excessive interest rate; 2) People and foreigners loss their confidence in buying debt obligations from America; 3) Oil price is skyrocketing; 4) the auto expenses are eating off the resourses of American people; 5) the administration is burning money in Iraq and afghanistan; 6) health care insurance is sucking bloods from the general public; 7) Money is kept on wasting by those none productive security check working on everywhere in every level; 8) trade deficit is skyrocketing; 9) America produces are expensive but not good enough for the price; 10) Politicans are trying hard to keep their job at the expense of the economy of the country; 11) Social Security and Medicare are in danger while no Politican try to fix them; I can see no factor that will make us optimistic about our future, Can anyone name some?