Auto Insurance FAQ

There are many common questions surrounding the auto insurance industry.  These are a few that you may be wondering about.

Do I need auto insurance?

In most states, auto insurance is required by the law.  Without this you will not be allowed to buy a car, or operate it if your auto insurance should expire.

Will my auto insurance policy be cancelled if I miss a payment?

This all depends on your auto insurance company, as well as the state that you live in.  Even though you will probably receive a late payment notice in the mail, some companies have the right to cancel you.

Will one claim lead to my auto insurance policy being cancelled?

In most cases, one claim will not lead to your policy being cancelled by your provider.  But with that in mind, with each claim that you file the chance of your premium rising is very good.

What are points, and how can they affect me?

When you get a moving violation or other type of infraction points may be added to your record.  Each type of violation has a point value assigned to it.  As you get more points, your insurance premium will most definitely rise as you are seen as a risk.

If I have a broken windshield will my auto insurance company cover it?

If you have comprehensive insurance included in your policy a broken windshield will be covered.  If not, you may be responsible for the cost.