Reader’s Question:

My husband’s vehicle was hit while parked in Norwalk, Connecticut. He did not see who hit the vehicle. Is this covered by collision on our car insurance policy?

Mary

Norwalk, CT

This hit and run incident that damaged your husband’s vehicle in Norwalk, Connecticut would be covered by your collision coverage.

Collision covers damage to your vehicle when your automobile hits, or is hit by, another car, or another object. This type of insurance coverage pays to fix your car less the deductible you choose. This coverage is limited to the terms and conditions contained in your car insurance policy.

Liability coverages would not apply here since they only cover others that you may damage. So if your husband had hit a vehicle in the parking lot then your property damage liability (PDL) would cover the damages to the other car and bodily injury liability (BIL) would cover any injuries the driver or passengers of the other car would have sustained.

Since you are using your collision coverage to fix the damages to your car then a deductible will be due. It may be helpful to your car insurance claim if your husband was able to have a police report for the hit and run damage.

Tags: auto insurance claims, car insurance, collision insurance coverage

Reader’s Question:

If I have a vehicle that I do not drive in Manchester, Connecticut, do I need to have insurance on it?

Karen

Manchester, CT

In the state of Connecticut if you do not want to pay auto insurance on an automobile that is inoperable or being stored in Manchester, Connecticut you must turn in your license plates to the Department of Motor Vehicle and request that they be put on hold. At that time, you may drop auto insurance coverage on the automobile. When you are going to once again operate the vehicle you would need to tell the Connecticut Department of Motor Vehicle and get insurance on the automobile.

Verify with your state’s Department of Motor Vehicles to know exactly what state laws permit for in your situation. Do not remove car insurance without contacting your Department of Motor Vehicle and likely turning in your license plates and registration. If you do remove auto insurance without turning in your license plates and registration then some states will cite you and penalize you for a lapse in car insurance.

Tags: auto insurance lapse, car insurance

Reader’s Question:

Do I have to pay my deductible to have another vehicle fixed that I hit if there was no damage to my automobile in Fairfield, CT.

Anna

Fairfield, CT

No, you do not pay a deductible amount to have another vehicle fixed if the individual whose vehicle you damaged makes an auto insurance claim against your car insurance policy in Fairfield, Connecticut for the damages you caused in an accident.

If you are at-fault in an accident and the other driver makes an insurance claim against your property damage liability (this is what a third party claim called) then there is no deductible amount due by either you or the other vehicle owner. Your liability insurance pays for the damages without you owing a deductible.

If your own car was damaged and you used your collision coverage insurance then the deductible you had associated with this physical damage coverage would then be due.

Tags: auto insurance claims, car insurance

Reader’s Question:

What do I do if my automobile is vandalized in Manchester, Connecticut?

Vince

Manchester, CT

The most essential thing to remember with any act of vandalism in Manchester, Connecticut is to leave your vehicle the way it is until the law enforcement officer and/or our appraiser have the chance to inspect the car. Notify the law enforcement officer immediately, so that they can issue a police report documenting the damage on the car. This also assist local authorities keep track of vandalism in Manchester, Connecticut, which assist them do more to protect you and your community in the future. With most insurance companies, as soon as possible after contacting the law enforcement, you can report the incident by using online car insurance claims. In addition to that if you have a camera with you when you see the vandalism, take some photos of the damage in your vehicle.

Tags: auto insurance claims, car insurance

Reader’s Question:

I didnt have car insurance for a year and I was caught driving without insurance. I would like to know if I will have difficulty getting car insurance in Glastonbury, Connecticut?

Andrews

Glastonbury, CT

Obtaining car insurance may be a bit harder than if you had continuous insurance coverage since a break in insurance coverage can make you more of a risk to an insurance company as a driver, especially if your last car insurance policy terminated because of non-payment. But you should be able to obtain car insurance for you and your car in Glastonbury, Connecticut. You may be more of a high risk to an insurance provider now but if you keep insurance on your car and if you have a clean driving record and this time than as you prove yourself to be not as much of a risk to the insurance company your car insurance rates should go down.

The best thing to do to find cheaper insurance rates for auto insurance after having a lapse in auto insurance coverage is to shop around.

Tags: auto insurance, high risk insurance

Reader’s Question:

Can I get full coverage on a new car under SR 22 insurance in Greenwich, Connecticut?

Coleman

Greenwich, CT

Yes, you can always buy more coverage than what your state mandates you have to file the financial responsibility certificate or SR-22.

So if you have recently bought a new vehicle and need not only liability coverages but physical damage coverages of comprehensive and collision, then you should be able to get all of these coverages on your car insurance policy.

If you cannot obtain both types of coverages with your current insurance company you can get a free car insurance quote in Greenwich, Connecticut here.

Tags: auto insurance, sr22 insurance

Reader’s Question:

Do most insurance carriers raise their car insurance rates if you get a non-moving violation on your vehicle in Fairfield, Connecticut?

Thomas

Fairfield, CT

Fairfield CT Insurance carrier’s guidelines vary however generally non-moving violations are not a major rating factor for most insurance companies. For example parking tickets in some states are not even put on your driving history, as long as you properly take care of the ticket, so the insurance carrier would not see it when they pulled your motor vehicle record (MVR).

If the ticket is placed on your driving history, typically a non-moving violation does not mean as much to an insurance carrier as a moving offense but some insurers look at any and all violations when determining car insurance rates.

Tags: car insurance rate