Private Passenger Automobile Insurance Questions

• Question: Why is automobile insurance sometimes referred to as a "packaged policy?" What are the parts of the package?
• Question: I have an older car whose current market value is very low - do I really need to purchase automobile insurance?
• Question: Suppose I lend my car to a friend, is he/she covered under my automobile insurance policy?
• Question: What coverage does my automobile insurance policy provide me when I rent a car?
• Question: What is the difference between collision physical damage coverage and comprehensive physical damage coverage?
• Question: What should I do if I have an accident?
• Question: Why does the premium for my automobile insurance go up if I have an accident or if I get a ticket?
• Question: How can I get insurance for my motorcycle?
• Question: What is no-fault insurance?
• Question: What do I gain and what do I lose by giving up my tort rights?
• Question: I live in a state where I can elect either no-fault coverage or traditional tort coverage. Which one should I choose?
• Question: What factors can affect the cost of my automobile insurance?
• Question: What should I consider when purchasing automobile insurance?
• Question: How can I lower my automobile insurance rates?
  
  These questions and answers are provided for users' general information. Although we make every effort to insure accuracy in the information provided, we cannot make any guarantees as to this accuracy. We urge you to consult your lawyer, accountant or tax advisor for specific legal or tax advice.