Q: What is Uninsured or Underinsured motorist coverage?
A: If you're in an auto accident caused by the negligence
of the other driver, and the other driver has no insurance
or not enough insurance, this coverage will kick in
to the limits allowed by the policy.
Q: What factors can an insurance company look at to
determine if they will insure me?
A: Typically, insurance companies weigh the following
factors to determine if they will write, or continue,
coverage for an individual:
Your age
The type of vehicle you drive
Your claims history
Your driving record
Insurance companies cannot discriminate against providing
coverage based on a protected class such as race, sex,
religion, national origin or ancestry. Your state may
also have additional restrictions such as profession
or marital status.
Q: Can I require my insurance to authorize the use
of original equipment parts when repairing my vehicle?
My policy says they will return my damaged vehicle to
"pre-accident condition."
A: Possibly. This can depend on both the state you
are in as well as the terms of your auto insurance policy.
Some automobile insurance companies automatically use
original equipment manufacturer (OEM) parts. Others
use non-OEM parts. If the repair of the damaged part
directly affects the operational safety of the auto,
the insurance company may be required by your state
law to replace it with an original equipment manufacturer
(OEM) part.
For non-safety-related parts, there may be more restrictions
on the use of OEM both under state law as well as your
policy. You may be able to insist on OEM parts, but
where they aren't?t required you will generally have
to pay the difference in cost.
Q: My insurance company is denying my claim because
the location where I keep my vehicle is not what is
listed on the application. Is this right?
A: Yes, it is possible. If you give false, misleading
or incomplete information on the application and if
such information increases the insurance company's risk
of loss, your company may then be able to refuse to
pay the claim under guidelines set out by your state.
Misleading information includes the description of where
the vehicle is kept, the names of the operators or any
information related to those who operate the vehicle.
Q: Is my insurance company required to provide me advance
notification if they are canceling my policy?
A: Yes. A notice is generally required. Depending on
the state you live in, the method of notification (regular,
certified or registered mail) and the amount of advance
notice may vary.
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