There are many factors to consider when deciding on an auto insurance policy. The average vehicle owner should be adequately covered with a regular comprehensive insurance policy. But you may need answers to some unusual insurance questions. A few common ones will be discussed in this article.

Can I get auto insurance with a learner s permit? The answer is yes. Your learner s permit is essentially a temporary driver s license, so you are quite entitled to apply for auto insurance. If you are a young driver, you could get cover on your parents policy.

Do I need auto insurance with my learner s permit? Yes, for the same reasons mentioned above, i. E. You are legally allowed to drive, therefore you must be have insurance cover. You will have to carry the same responsibilities as someone with a driver s license.

If I get a speed fine in another state, will this affect my insurance? Yes it could. According to the latest federal regulations, driver s records must be accessible to any authority in another state. If you do get fined in another state, your best bet is to pay it promptly so that there will be no need for a default docket to be opened.

How can I get insurance records from the previous owner of a vehicle? The only time this would be permitted is if the previous owner is involved in some kind of lawsuit, and the information would be exclusive to police investigators. Any insurance that the previous owner had would not be of use to you anyway.

If I get arrested for DUI, will this affect my insurance cover? There s a good chance that you will not only lose your insurance cover, but you will probably also lose your license. However, the decision will rest with the insurance company. If you are lucky enough to keep your insurance coverage, your premiums will most likely be increased significantly.

If I have a vehicle loan, does the auto insurance policy have to be in the same name? Yes, every auto loan contract requires full auto insurance cover by the borrower, and the policy must be in the borrower s name. If you do not provide such coverage, your loan may be called in.

Am I allowed to drive my brother s car? This is quite acceptable as long as you only drive your brother s car occasionally. If you are the full time driver, this may present a problem because your brother is the insured driver, not you.

Are insurance companies permitted to charge me a policy fee? Yes they are. All insurance policies carry a fee. This is to cover costs of drawing up the contract and other administration work. Certain insurance companies may include this fee in the premium.

Will my liability insurance cover me if I hit an animal? No, the only time liability insurance comes into play is if you are the cause of an accident. Your company will cover the costs of any damage to the other party s vehicle, not yours. If you hit an animal, you can claim on the comprehensive section of your insurance.

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