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Ask Ron
Auto Insurance
- I'm an agent and one of my customers
asked me what kind of funeral expenses are included in the Personal
Injury Protection coverage of her car insurance policy?”
- “In these tough economic times, we're struggling to make ends meet. I know we have to have car insurance, but is there anything we can do to reduce the cost? (Fourth in a series - Physical damage coverage)”
- “In these tough economic times, we're struggling to make ends meet. I know we have to have car insurance, but is there anything we can do to reduce the cost? (Third in a series - Personal injury protection)”
- “In these tough economic times, we're struggling to make ends meet. I know we have to have car insurance, but is there anything we can do to reduce the cost? (Second in a series - Uninsured motorist coverage)”
- “In these tough economic times, we're struggling to make ends meet. I know we have to have car insurance, but is there anything we can do to reduce the cost? (First in a series - Liability insurance)”
- “I was listening to a radio talk show and a question came up regarding insurance for bicycle riders. Is there any requirement for bicycle riders to have insurance? What would happen if I hit a car while riding my bike?”
- “I'm looking for a new car. A friend of mine said it is a state law that my car insurance will cover the new car as long as I notify my agent within 30 days after I buy it. I called my agent, and she said I should let her know immediately. Is there a law that says I have 30 days?”
- “I read in my local paper that I may be able to save money
on my car insurance if my credit is good. How can I find out more about this?”
- “We're going Christmas shopping this weekend. It seems
like every year we hear about someone who has Christmas presents stolen from their car. Will
our car insurance cover this?”
- “I was involved in an accident and my agent tells me I don't have coverage for renting a car while my car is in the shop. Three years ago, when I bought my car, I told her that I wanted full coverage. Shouldn't that include coverage for a rental car?”
- “I was on vacation in another state last year and when
I went to the car rental desk at the airport they insisted I should buy extra insurance coverage.
I had checked with my agent before I left and she said I didn't need to buy extra coverage,
so I declined. We're taking another trip this year and I want to be sure I'm covered. Do I
need to buy the extra coverage? It's pretty expensive.”
- “My car was damaged in a collision and the insurance
company does not want to pay for new factory parts. My car is only four years old, and I want
new factory parts. What can I do?”
- “My husband lost his job and we've been struggling to
make ends meet. I had to pay our car insurance payment a few weeks late and now they say my
policy is canceled. Aren't insurance companies required to give a 30-day grace period?”
- “I was recently involved in a collision and my insurance
company has suggested I take my car to a shop they work with. Do I have to use the repair shop
they recommended?”
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