Auto Accidents
| Property Coverage under Auto Insurance Policies |
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| While statistics on the deaths and personal injuries caused by motor vehicle accidents are understandably the most vivid and immediate reminders of the societal costs incident to the extensive use of cars and trucks in the United States, property damage resulting from vehicular accidents in this country has its own significant economic impact. Motor vehicle insurance policies accordingly contain numerous provisions dealing with various kinds of property damage and loss. More... |
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| Auto Insurance Coverage for Leased and Rented Vehicles |
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| A rental car or leasing company may not be required to provide automobile insurance coverage for its renters or lessees during the rental or lease period. Further, an insurer of a renter or lessor can exclude any liability coverage for their customers. The specific provisions of a vehicle rental or lease agreement should be carefully reviewed to decide whether minimum insurance coverage is provided for renters or lessees. More... |
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| Automobile Insurance Premiums |
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| Insurance contracts, at their core, are papers that prove a promise by an insurance company to pay benefits under an insurance policy and the payment of money by an insured for that protection. The money paid by the insured is called a premium. The premium is made up of money paid by the insured to the insurance company to cover the insured risk and the administrative costs. Without the payment of a premium, no contract of insurance exists between the insurance company and the insured. More... |
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| Cancellation of Auto Insurance for Accidents and Traffic Violations |
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| The system of motor vehicle insurance in the United States is based on the ever-changing risk and loss experience of insurers, which in turn is created by the way in which individual drivers operate their cars and trucks on an everyday basis. More... |
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| Auto Insurance Coverage for Underage Drivers |
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| Age and gender are two of the criteria used by insurers in the process of determining risks in the writing of motor vehicle insurance policies. As a result, auto insurance policies sometimes contain provisions that exclude from coverage incidents that occur while a covered vehicle is being operated by a driver under a specified age, or by a male driver under a specified age. Questions of coverage arise when, as is inevitable, such incidents of operation by underage drivers take place and result in injury or property damage. More... |
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