What will happen if I loan my car to someone? Will that person be covered by my policy? If so, will I still be covered?

This is a very common question. The answer is yes. Your car and the person will be protected. Coverage for physical damage and liability will always follow your car.

Additionally, if the driver that you lend your car to is insured, his/her policy will be available to cover the cost of damages and injuries, as well.

This same rule will apply if you borrow someone else's car. Your own insurance will follow you no matter whose car you are driving.

In case an accident happens to occur with the car that you are borrowing, the insurance of the owner of the vehicle will be the primary coverage.

Will I be covered for natural destructions (hurricanes, tornadoes, etc...)?

Natural destructions happen all the time, and these "acts of God' can not be stopped. However, you can prepare for them. You can especially protect your property, just in case they decide to hit your place.

Many drivers are concerned with the issue of protecting their cars from ecological destructions. Are you covered?

Comprehensive insurance covers you for fire and theft. It also covers you against damage by earthquake, hail, natural perils and floods. However, this isn't always true.

If you are concerned with this issue and would like to find out if you are protected from the "acts of God', it is probably a good idea to contact your insurance agent and find out more.

Insurance companies have different ways of protecting their customers. Remember that your agent is your strongest advocate in insurance matters, calling and asking him will be a great idea.

It is also highly recommended that you know exactly what you are covered against. Ask about your policy, review your payments, and make sure that everything is the way that is supposed to be.