Auto insurance Michigan

A Michigan no fault auto insurance provides unlimited medical and rehabilitation benefits. It provides wage loss benefits for up to three years, and $20 per day for replacement services if you are injured in an auto accident, regardless of fault.

 Auto insurance Michigan

• What the Law Requires 

Michigan law requires no-fault insurance. Every registered car must be insured. Every car owner must buy basic coverage in order to get license plates. It is a misdemeanor to drive or let your car be driven without basic no-fault coverage. If you are convicted of driving without basic no fault insurance coverage, you may be fined up to $500, put in jail for up to one year, or both.

If you are unable to produce proof of insurance when requested to do so by a law enforcement official, you may be found guilty of a civil infraction. The court may order your license suspended for at least 30 days or until you are able to provide such proof. You may have to prove you purchased a pre-paid non-cancelable insurance policy before you may renew your vehicle’s registration.

• What happens if you drive without Insurance and have a car accident 

If you own a car without no-fault insurance and have an accident: You can be sued and held personally liable. You may have to pay a lawyer and court costs. If you are hurt in an accident involving a vehicle you own that is not insured, you would not be paid for medical expenses, wage loss, loss of services, or any other no-fault benefits. If you are convicted of driving your car, allowing someone else to drive your car, or if you drive another person’s car, which you know does not have no-fault insurance, you may be fined up to $500, put in jail for up to one year, or both.

• Auto Insurance Eligibility 

A Michigan insurance law called the Essential Insurance Act requires auto insurers to offer coverage to any eligible person. This includes most Michigan drivers. You are an eligible person for auto insurance if you have a car registered in Michigan or have a valid (not suspended or revoked) Michigan driver’s license. However, there are times when a company can refuse to insure you.

• Reasons for Denial 

You can be turned down for insurance if: Your driver’s license is suspended or revoked. Within the past 5 years, you have been convicted of trying to defraud an insurance company, or have been denied payment of a claim over $1,000 because there is evidence of fraud on your part. Within the past 3 years, you have been found guilty of a felony with a motor vehicle, driving under the influence of alcohol or drugs, failing to stop at the scene of an accident, or reckless driving. Your car does not meet Michigan safety requirements. Within the past 2 years, your auto insurance has been canceled for non-payment of premium. Companies can overlook previous non-payment of premium if you pay your entire premium in advance. The insurance you want to buy requires you to be a member of a group, club or organization and you do not join the organization. You have more than the allowable number of points on your driving record. You do not meet the requirements of a company’s underwriting rules

• The Basic No-Fault insurance Has Three Parts 

1. Personal Injury Protection (PIP) 

This part of your no-fault policy pays all necessary medical costs if you are hurt in an auto accident. It also pays, up to a maximum amount, wages you would have earned if you had not been hurt, for up to three years. This amount is adjusted each year on October 1st, and you may wish to contact our agency to determine the current maximum monthly amount or check our website for the current maximum. If you are killed in an accident, your policy will pay your family up to the monthly amount for three years, based on your earnings and fringe benefits. You may also be entitled to up to $20 per day in replacement services. This is to pay for services you are no longer able to provide for yourself or your family because you are injured, such as housekeeping and yard work. 

You may coordinate PIP coverage with other health or disability coverage you have to reduce your PIP premium. Medicaid, Medicare, and some self-funded health plans, however, do not allow coordination with PIP coverage. If you do coordinate your health coverage, and you are injured in an auto accident, your no-fault policy will pay your medical expenses or lost wages after you have used all the benefits under your health or disability plan. When you coordinate, these auto insurance coverage may be called excess medical/wage loss. Check with your health insurer to verify they will cover benefits related to a car accident before you agree to coordinate.

     2.  Property Protection Insurance (PPI) 

This no-fault coverage pays up to $1 million for damage your car does in Michigan to other people’s property, such as buildings and fences. It will also pay for damage your car does to another vehicle but ONLY IF THE VEHICLE WAS PROPERLY PARKED. Other vehicle damage is covered only if the vehicle has collision coverage and/or comprehensive coverage.

     3.  Residual Bodily Injury and Property Damage Liability Insurance (BI/PD) 

This coverage pays your defense costs and any damages you are found liable for as the result of a car accident, up to the limits of the policy. Although the no-fault law protects insured persons from being sued in most situations, there are certain exceptions. In general, these are the circumstances under which you could be sued: If you cause an accident in Michigan in which someone is killed or seriously injured. If you are involved in an auto accident in a state other than Michigan. For damages to another person’s car which are not covered by insurance, if you are 50% or more at-fault in the accident. This part of the law is known as “mini-tort.” To be covered, you must purchase additional coverage called limited property damage liability insurance. Your agent can help you determine the amount of coverage you should purchase. 

Car insurance Australia

Car insurance Australia

General insurance that relate to owning and operating a private automobile in Australia: 

• Compulsory Third Party Insurance

This coverage protects individuals who you may injure whilst driving a vehicle. It is mandatory and is regulated by each State and Territory. It is unlawful to drive a vehicle that does not have this insurance. Visit your State’s vehicle registration authority to learn more about how to acquire this type of cover.

•  Comprehensive insurance

This can cover repair or replacement of your vehicle for events including theft, collision, malicious damage and weather related damage. It can also cover repair and replacement of other vehicles that are damaged by your vehicle. Comprehensive insurance is usually chosen to cover vehicles that are in good condition. Insurers may choose to not provide cover to vehicles that are in a poor state of repair or have issues such as rust. 

• Fire and Theft car insurance

This is a limited type of coverage that may repair or replace your vehicle in the case that it is stolen or damaged by fire. This type of cover will typically not assist if you are involved in an accident. 

• Third Party Property car insurance

This can provide cover for damage caused by your vehicle to other vehicles or property, but does not provide cover for your vehicle. This type of cover is typically taken out by someone with a relatively low value vehicle, primarily to protect them from having to pay for the damage their car might do to a more valuable vehicle or other property belonging to a third party.

Other common motor vehicle terms to consider: 

• Uninsured Motorist 

Some third party fire & theft and third party property polices offer this extension. It covers damage to your vehicle up to a set amount (typically $3,000 to $5,000) if your vehicle is damaged by an uninsured vehicle - as long as you are not considered to be at fault by the insurer and you can provide the uninsured drivers name and address. 

•  Excess insurance

This is the amount that you will be required to contribute if you make a claim. Some polices also provide for an age excess where an additional amount is contributed, depending on the age of the driver. The amount of excess you would be required to pay is listed in your insurance documents. No Claim Bonus If you haven’t made any claims against your insurance policy, your insurance company may consider you a lower risk and may reduce your premium in recognition of this. The size of the discount, or ‘no claim bonus’, varies depending on the insurance company. When changing insurance companies your new insurer may ask for your claims record from the previous company to help them calculate the new premium.

How are insurance premiums for vehicles calculated? 

Each insurance company approaches premium calculation in a unique way, giving rise to a great deal of competition. Many factors are considered including (but not exclusively):

• The location where the car is stored overnight or during the day.
• The age of the driver (insurers have exemptions from discrimination law for some issues).
• The claims history and driving record of the driver. 
• The type of vehicle being insured. 
• The intended use of the vehicle - eg, Private or Commercial use.
• The value of the vehicle.

Other things you need to consider before taking out auto insurance:

• Your insurer needs to be told about modifications or accessories added to the vehicle.
• You need to disclose particulars of every matter that is relevant to the decision of the insurer to offer you cover and as may be requested by the insurer, such as past traffic offences, fines, loss of license and criminal history. The insurer has a right to know and will typically factor this in to the risk you present under an insurance policy. In the event of a claim you may not be covered if you do not disclose this information.
• You have the same duty of disclosure each time the policy is renewed. If your circumstances or the details of the vehicle have changed since the last renewal you must inform. 
• In some cases it will be necessary to name and provide details (age etc) for all of the drivers of the vehicle, claims may not be paid for other drivers who are unlisted.
• Don't purchase by price alone - Look for a product that is most suitable for your circumstances and needs.
• Check what you are buy - Read the Policy Document and Product Disclosure Statement carefully.

Some questions to consider when buying insurance - Ask your insurer if unsure:

• Is my car insured for Market Value or for an Agreed Value? Market Value is where the insurer determines the value of the vehicle, usually taking into account the condition of the vehicle at the time, its age and other factors.Agreed Value is where the insurer and the owner agree on the value of the vehicle at the time of taking out the policy. 
• If the accident is my fault will my no claim bonus be affected? 
• Will I have to pay my excess if I can nominate the other driver responsible for the loss or damage?
• What can I do to reduce my insurance premium?
• Are you permitted select your own repairer or does the insurer determine the preferred repairer, and are repairs guaranteed? 
• Which option suits me best?

If your vehicle has been damaged, Involved in a car accident, and/or have caused damage to someone else's property, call your car insurance company as soon as possible.

If your vehicle has been stolen, report the theft to the police immediately, and then contact them.

List of car insurance companies in Australia

Allianz car insurance australia                              www.allianz.com.au

Ansvar  car insurance                                            www.ansvar.com.au

Auto and General Insurance company                 www.agic.com.au 

Calliden Insurance                                                 www.calliden.com.au

Comminsure insurance                                          www.comminsure.com.au

OnePath  insurance                                                www.onepath.com.au 

Insurance Australia Group                                     www.iag.com.au 

Lloyd car insurance                                                www.lloydsaustralia.com.au 

Progressive Direct car insurance                          www.progressivedirect.com.au 

QBEcar Insurance                                                   www.qbe.com.au 

RAA car Insurance                                                  www.raa.net

RAC Insurance                                                        www.rac.com.au

RACQcar Insurance                                                www.racqinsurance.com.au

Real Insurance                                                        www.realinsurance.com.au  

Suncorp Metway insurance                                   www.suncorpmetway.com.au

Territory Insurance Office                                     www.tiofi.com.au

Wesfarmers insurance                                          www.wesfarmersinsurance.com.au 

Westpac  insurance                                               www.westpac.com.au  

Youi  car insurance                                                www.youi.com.au 

Zurich Car insurance                                            www.zurich.com.au 

Wisconsin auto insurance

Wisconsin drivers are required to have an auto insurance policy in force or, in limited situations, other security which could be a surety bond, personal funds, or certificate of self-insurance. Details are available at the Department of Transportation, Division of Motor Vehicles.

Wisconsin auto insurance

Your policy must provide at least the following minimum liability coverage:

• $25,000 for injury or death of one person

• $50,000 for injury or death of two or more people

• $10,000 for property damage

Uninsured motorist coverage of at least $25,000/$50,000 each for bodily injury only is also mandatory.

Liability Insurance 

When referring to liability limits, the insurance industry uses an abbreviation. The designation of $50,000/$100,000/$15,000 (or 50/100/15) or similar designations refer to the maximum amounts that an insurer will pay for the three basic liability insurance coverages. The first number ($50,000) refers to the limit on bodily injury payments coverage per person. The second number ($100,000) refers to the limit on bodily injury coverage per accident where two or more people have been injured. The third number ($15,000) refers to the limit on property damage coverage per accident.

Bodily Injury Liability Coverage 

It does not protect you or your car directly. If you cause an accident injuring other people, it protects you against their claims up to the stated amounts for medical expenses, lost wages, pain and suffering, and other losses. It will also usually pay if the accident was caused by a member of your family living with you or a person using your auto with your consent. 

Property Damage Liability Coverage 

It pays for damage you cause to the property of others such as a crushed fender, broken glass, or a damaged wall or fence. Your insurance will pay for this damage if you were driving your auto or if it was being driven by another person with your consent. Property damage liability coverage also pays if you damage government property like a light pole or signpost, up to the limit you choose.

Uninsured Motorists Coverage  

Uninsured motorists coverage (UM) applies to bodily injury you, your family, and other occupants of your vehicle incur when hit by an uninsured motorist or hit-and-run driver. It also covers you and your family if injured as a pedestrian when struck by an uninsured motorist or hit-and-run driver. It protects you by making sure that money is available to pay for your injuries that were caused by someone else. The minimum amount of coverage required by law is $25,000/$50,000 for bodily injury only. But these coverages are the minimum required by law, you may want to purchase more than the minimum coverage required by law if you feel the need for more protection. Uninsured motorist coverage does not cover your property damage and does not protect the other driver. Your insurer may sue the other driver for any money your insurer pays you because of the other driver’s negligence.

Underinsured Motorist Coverage

Underinsured motorist coverage increases the personal injury protection to you and the people in your car up to the amount of coverage you purchase if the at-fault party’s bodily injury liability insurance limits are lower than your UIM coverage limits. Underinsured motorist coverage is not mandatory. The company must notify you with the delivery of your policy that UIM coverage is available. You may reject buying UIM coverage. However, if purchased, coverage limits of at least $50,000 per person and $100,000 per accident are required. You should carefully review your policy to determine exactly what coverage is provided by UIM.

Medical Coverage 

This coverage pays medical expenses or funeral expenses for you or others injured or killed in an accident while riding or driving in your auto. This includes all reasonable hospital, surgical, chiropractic, x-ray, dental, professional nursing, prosthetic, and rehabilitation expenses up to the limits of the coverage.
Medical coverage usually covers only those expenses not covered by health insurance, such as copayments, deductibles, etc. It will also cover you or members of your family if you are struck by an auto while walking or while riding in another auto. This coverage will pay for your medical expenses and funeral expenses even if you cause the accident. Usually, only expenses incurred within one year after the accident are included. As an example, this coverage will provide benefits for a friend, or a neighbor’s child injured in your car. Medical expense coverage is an optional coverage. Note: Companies must offer this coverage to you, but you do not have to buy it. The minimum limit that can be purchased is $1,000.

Collision insurance coverage

Collision coverage pays if your auto collides with an object, including another car or hit-and-run driver, or if it overturns. Your own insurer will pay for such damage even if the collision is your fault. 

Comprehensive coverage

Comprehensive coverage pays for damage to your auto from almost all other causes such as fire, vandalism, water, hail, glass breakage, wind, falling objects, civic commotion, or hitting an animal. Damage from striking a deer is a relatively frequent accident in Wisconsin. It is important to know that most policies cover hitting an animal under comprehensive insurance, not collision insurance.
Comprehensive coverage also pays if your auto or parts of it, such as a battery or tires, are stolen. Flood damage to your car is also covered if your auto insurance policy includes comprehensive coverage. If you carry collision without comprehensive coverage, you are not covered for flood damage.

Teen car insurance 

The cost of auto insurance varies from one group (classification) of drivers to another. The reason for this is that, on the average, some groups have worse driving records, higher accident rates, and more costly accidents than others. Usually, the highest premiums are paid by the male driver under age 25, with his rate depending on his marital status and whether he owns, or is the principal driver, of the car being insured. Under the most widely used rating system, the cost of auto insurance for youthful drivers is scaled downward periodically. Rates for unmarried males who are the owners of their cars are reduced periodically from age 17-29. In most states, rates for unmarried males who are not the owners of their cars, for married males, and for females are reduced each year from age 17-21. For these groups, the “young driver” surcharges are eliminated at age 25.

Car insurance for teens

Car insurance for teens

• When can I get a Driver´s license? 

You can get a temporary permit at age 15 1/2. The permit allows you to drive as long as you have a licensed driver age 21 or older in the front passenger seat. You must carry your permit and an identification (ID) card while driving. You must complete driver education, any other required training, and pass the Ohio Bureau of Motor Vehicle tests. Then you can be eligible for a probationary license, which is valid until you turn 18.

• I have my driver´s license, now what?

In order to drive legally in Ohio, you must comply with the state’s Financial Responsibility (or FR) Law. The FR law requires each Ohio driver to demonstrate an ability to pay for injuries to other people or damages to other people’s property if the driver causes an accident. Buying insurance is one way to show financial responsibility. The easiest way to meet your financial responsibility is to buy auto insurance with liability coverage.

• Why should I bother getting insurance? 

First of all, it’s the law. Second, if you don’t get insurance, you could end up spending a lot more than the insurance would have cost. If you cannot demonstrate financial responsibility, then your license will be suspended, your car will be impounded and it will cost you a very large sum of money to regain your driving privileges.

• What do all these different terms mean?

• Liability coverage - pays costs if someone claims you hurt them or damaged their property. It pays the cost to defend you against their claim and cost of the damages if you are found liable. Ohio law requires you to purchase a minimum amount of this type of coverage. Those minimums are:
• Bodily Injury insurance

•  $25,000 per person
•  $50,000 per accident 

• Property Damage insurance

•  $25,000 per accident

• Collision coverage - pays you if your own car is damaged in a crash with another vehicle.

• Comprehensive coverage - pays for losses that result from incidents that are not collisions, such as theft, fire, hail, falling objects or hitting an animal. 

• Uninsured Motorist (UM) and Uninsured Motorist Property Damage (UMPD) - UM pays for your injuries if you are injured by a driver with no insurance or by a hit-and-run driver. You cannot be responsible for the accident. UMPD pays for your car if it is damaged by someone without insurance. It DOES NOT pay for a hit-and-run accident.

• Medical expense insurance - pays medical expenses for you and your passengers if you are injured in an accident.

• Should I buy my own insurance or should I be listed as an insured under my parent's policy?

There is no simple answer to this question. Begin the decision-making process by discussing your options with your parents’ insurance agent. You should shop around to determine the best option to meet your family’s needs. Be sure to let the agent know if you will be sharing a vehicle with your parents or if you have your own vehicle to use.

• I have my auto insurance - why is it so expensive? I haven't had a car accident or a ticket! 

Insurance rates, or insurance premiums, are based on statistical groups. Your driving record, age, sex, age/type of vehicle and place of residence are all taken into consideration. As a group, teen drivers have a much higher accident rate than other drivers.

• What are some ways to reduce my premium costs? 
• Drive safely
• Increase your deductibles — a deductible is the amount you must pay out of your own pocket if you have a claim
• Drop collision and/or comprehensive on an old car
• Qualify for discounts — most companies offer a“good student”discount
• Shop for a better deal
• Lower limits of liability

• Oops! I just got my first ticket. Can my insurance company raise my premium? 

That depends on the company. Some insurers do not raise premiums if the first moving violation is minor. However, if your first ticket is a major moving violation, the company may increase your premium. In all cases, ask the company about its policies regarding moving violations. 

• Somebody hit my car. Can the company raise my premium? 

Perhaps. By law, an insurance company is not permitted to increase your premium because you were in an accident with an uninsured motorist. Additionally, an insurance company is not permitted to increase your premium the first time you have an accident that was not your fault. However, the company has the right to increase your premium if you have a second not-at-fault accident within the policy period.

• Can my insurer cancel my auto insurance policy?

During the first 89 days after you purchase a policy, a company can cancel it for almost any reason. As of the 90th day, your liability coverage is protected from cancellation for two years, except for specific reasons permitted by law. The permissible reasons include:

• Lying on your application
• Suspension or revocation of your driver’s license
• Filing false claims
• Not paying your premiums

• I forgot to pay my premium.

If — for any reason — you do not pay your premium, the company will cancel the policy. The company must notify you 10 days before cancellation. Getting coverage from another company may be difficult and probably will cost more if you let your insurance policy lapse.

• I gave my friend permission to drive my car. Does my insurance cover me and my friend?

That depends. Unless your policy states specifically that only you are covered when driving, other people will be covered as long as you give them your permission to drive your car.

• What if I have a problem with the insurance agent or company?

Call the Ohio Department of Insurance at 1-800-686-1526. The Department regulates agents and companies that are licensed to sell insurance in Ohio. The Department’s Consumer Services representatives can answer your insurance questions and investigate your complaints about an insurance company or agent.

Commercial Auto Insurance

Commercial Auto Insurance

( Virginia )

Virginia has a financial responsibility law which requires you to show that you can pay for losses resulting from motor vehicles you own or operate in connection with your business. There are several ways you can demonstrate financial responsibility:

Financial Responsibility Insurance Options

1. Purchase Insurance: When you register your vehicles, if you certify that they are covered by an insurance policy, the policy must have the following minimum limits of liability:

• $ 25,000 for injury or death of one person;
• $ 50,000 for injury or death of two or more people; and
• $ 20,000 for property damage.

2. Pay the Uninsured Motorist Fee: This fee, which is paid to the Department of Motor Vehicles (DMV), does not provide any insurance; it only Allows you to drive an uninsured vehicle at your own risk.

3. Self insured insurance or Surety Bonds: These are special options for owners of business vehicles. Details are available at any DMV office.

If you buy insurance, your policy must contain the following coverages:

• Bodily Injury Liability and Property Damage. This coverage provides protection in case you or drivers of your car are responsible for causing injury or death to other people or damage to property of others.

• Uninsured Motorist and Underinsured Motorists Coverage. The Uninsured Motorist Coverage (UM) provides bodily injury and property damage protection to you if you are in an accident caused by an uninsured motorist or a "hit-and-run" driver. If your vehicle is damaged in hit and run accidents which driver can not be identified, the property damage coverage does not pay the first $ 200. Underinsured Motorist (UIM) coverage directly protects you in the event that you or your employees are injured by a driver whose liability limits are not high enough to cover the damages and not as high as the UM / UIM liability limits on your insurance policy.

Virginia law requires you to carry the following UM/UIM minimum limits of automobile liability applicable to each occurrence:

• $25,000for injury or death of one person;
• $50,000for injury or death of two or more people; and
• $20,000for property damage. 

Most insurance companies sell an auto policy that contains a single limit of Bodily Injury Liability and property damage liability instead of separate limits. 

This means that the maximum an insurance company  will pay per person or per accident is contained in a single limit. This single limit must be at least $70,000 to satisfy Virginia’s financial responsibility law.

As a business owner, you should consider purchasing bodily injury and property damage liability limits higher than the minimum limits required by law. Generally, if you are required to register with the U.S. Department of Transportation Federal Motor Carrier Safety Division or the Virginia Motor Carrier Division of DMV, you will be required to carry more than the minimum limits of liability. When you register with the Federal Motor Carrier Safety Division or the Virginia Motor Carrier Division of DMV, always ask what liability limits you are required to carry before you purchase insurance or shop for insurance. Your insurance agent or insurer can help you determine what types of coverage you need to operate commercial vehicles. You should also contact your city, county, and other state government agencies for any other insurance requirements.

If you cannot obtain auto insurance from any insurance company, you can apply through your insurance agent for coverage through the Virginia Auto Insurance Plan (VAIP), which is Virginia’s assigned risk plan for car insurance. Your insurance agent can give you more information on the VAIP.

What Type of car policy Should I Buy?

Most businesses are eligible for the Business Auto Policy. However, certain auto-related businesses such as auto dealers, service stations, and trucking firms are not eligible for this policy. Garage policiesand truckers policies are available to meet the insurance needs of these types of businesses. Ask your insurance agent which policy is best suited for 

your business.

How Do Insurance Companies Determine My Rates and My Eligibility?

Insurance companies use their own underwriting standards to determine if your business is eligible for insurance and, if so, what price you should pay for the coverage. Depending on the type of business you own or operate, you may be placed in a classification with other similar businesses. You are then charged a premium based on the rate prevailing in the classification in which you are placed. If your business operation is very unique or specialized, the insurance company may have to develop an individual rate that relates specifically to your business. 

Many factors go into developing the premium: 

• Commercial auto insurance premiums are based on factors such as the type of vehicles driven, territory, expected mileage, usage, and loss experience. 
• Commercial property insurance premiums are based on such things as location, type of construction, sprinklered or not sprinklered, occupancy, square footage, loss prevention efforts, and fire protection. 
• Commercial liability insurance premiums are based on a number of factors including territory, type of business, type of products manufactured or operations performed, square footage, payroll, or gross sales depending on the general liability class codes used, loss history, and business experience.
• Workers’ compensation premiums are based on the employer’s total payroll for employees eligible to receive workers’ compensation benefits. Although payroll includes holiday pay, vacations, and periods of sickness, payroll does not include payments for active military duty, tips, or payments by an employer to qualified group insurance or group pension plans.
• If your business uses subcontractors, it may be beneficial to require all subcontractors to provide you with evidence of workers’ compensation insurance. If you are unable to provide your insurance company evidence of coverage, the insurer can include the amount you paid the uninsured subcontractor as payroll when calculating your workers’ compensation insurance premium.

In some lines of insurance (typically workers’ compensation insurance, general liability insurance, and commercial car insurance), companies will determine whether you are paying the proper amount of premium by conducting an audit. Company auditors may ask to examine your records in order to verify your company’s payroll, sales, or gross receipts.

Caravan Insurance

Static Caravan Insurance offers an insurance policy for touring and fixed site caravans, trailer tents or camping equipment. The maximun claim limit that your caravan or trailer tent is insured for should equal its current market value.

 Static Caravan Insurance

If you have an auto caravan that’s permanently sited i.e. with plumbing and a permanent electrical link up, you can and should insure it as you would your main residence. Put simply, static caravan insurance can; protect the caravan car itself against adverse weather conditions and accidental damage, reimburse you for stolen or damaged contents and cover other items on your pitch.

A Static caravan insurance will cover the auto caravan or trailer tent plus:

• Awnings
• External steps
• Toilet tents and portable toilets
• Fixtures and fittings including refrigerators
• Cookers
• Generators 
• Gas bottles
• Wheel clamps
• Hitchlocks
• Stabilisers
• Batteries
• Aerials
• Water tanks 

And other similar auto caravan attachments from specific perils, for example loss or damage.

• What are the benefits of Static Caravan Insurance?

As with many forms of insurance, the biggest threats facing your property are theft and accidental damage. In the case of static caravans, insurance helps protect you against the changeable weather and gives you a financial safety net if you’re unfortunate enough to be the victim of theft or vandalism.

Listed below are just some of the great options this cover offers:

• Static Caravan Insurance can cover for more than just the caravan – This vehicle coverage also covers items on your pitch such as decking and outdoor furniture against storm and accidental damage.
• Contents cover – The fixtures and fittings in your static caravan are covered as part of the caravan itself. However, this coverage also covers items such as TVs, cooking appliances such as toasters plus other non-permanent furniture such as lamps and ornaments.
• Owner for re-siting costs – If the worst happens and your auto caravan is beyond repair, this insurance policy cover the cost of removing any debris, plumbing the new caravan in (electrics and water) and any fees charged by the site.
• New for old replacements available – When you take out a policy with an insurance company, you’ll be asked for the ‘new’ price of your caravan. If you choose a new for old cover you’ll receive a replacement of the same value should your caravan be damaged beyond repair.
• Cover even if you rent your caravan out – If you choose to rent out your caravan when you’re not there, you can still get cover. Just be sure to let your insurer know your intentions when you take out the policy.
• Flooding cover – Some insurance companies won’t insure your caravan for flooding if they are higher risk.
• Winter protection – When you leave for the colder months, provided you’ve drained down your caravan correctly, this insurance policy cover you against damage caused by frost and freezing.
• Keys and locks – In the unfortunate case of a break in, or if your keys are lost or stolen, it can cover you for replacing the locks on your caravan and even your replacement keys.

• “Falling trees aren’t covered”

With Towergate, you’ll be covered if a tree or branch causes damage to your static caravan provided it is not due to lack of maintenance from the site owner.

• “I need to include all my fixtures and fittings in my ‘sums insured’”

Anything permanently fixed in your caravan is covered in with the caravan itself. As a general rule, if you tipped your caravan upside down and shook it, the things that might fall out would need to be included in your ‘sums insured’.

• "Acts of god’ aren’t covered"

An act of god is an event that happens beyond human control. Storms and other adverse weather are very much beyond everyone’s control and are therefore very much covered by these insurance policies.

• “If a pipe bursts over the winter when I’m not there, I won’t be covered”

Not true. You’ll be covered for damage caused by cold weather provided you’ve drained

down your caravan properly before you leave for the winter. (Subject to the terms on your individual insurance policy)

To help you make the right choice, here are some things to think about when buying your insurance policies.

Consider how you use your caravan – Do you hire out your static caravan? How many days per year do you spend in it? Do you keep valuable possessions in your static caravan?

Ask yourself all these questions and be sure to let your insurance agent know about your requirements. He’ll then work with you to find the best insurance solution to suit your needs.

Consider what you need covered – The sums insured part of your policy will be split into the value of the caravan itself and the items contained in/attached to your caravan. Permanent fixtures and fittings will be included in the value of the caravan itself. Other items may include push bikes, kitchenware and other caravan contents besides laptops and mobile phones. This insurance policy can also cover outdoor items such as decking and outdoor furniture provided it’s contained or stored within the confines of your pitch. The key here is not to leave anything out and if you end up purchasing more items, make sure you add them to your insurance policy to make sure they’re covered.

Know the value of your auto caravan – The value of your caravan will affect your new for old value or replacement value. You should know the market value of your caravan and the ‘buy-new’ value if possible. If you have bought a brand new caravan, finding out these values should be easy. However, if you have a second hand caravan or an older model, it’s best to ask a site manager or insurance agent.

Be sure to tell your insurance company if you need to update your insurance policy – If you need to take more items away with you or you modify your caravan in some way which affects it’s value, be sure to let your insurance agent know so that your insurance cover remains valid. Also notify your insurance company if your storage arrangements change.

Car Insurance in Missoula, MT

Auto Insurance Savings Tips

Many people overpay for auto insurance. Here are a few ways to get a cheap rate.

• Get quotes regularly. Your rates should go down over time as your car or truck depreciates and your driving record improves. If not, negotiate a lower rate, or get quotes from other insurance companies.

• Compare quotes accurately. Rates can vary greatly depending on the level of coverage offered. When comparing rates, make sure that the insurance offered is equivalent. Keep in mind that state minimum insurance may not protect you completely.

• Discuss your options. Talk with an insurance agent to determine if collision coverage, comprehensive coverage, or personal injury protection are a good value. Individual insurance needs vary greatly.

Car Insurance in Missoula, MT

Chris Hale - Insurance Agent

144 W Front St, Missoula, MT 59802

(406) 721-1311

Farmers, Foremost

Jason Lavigne

144 W Front St, Missoula, MT 59802

(406) 543-0680

Farmers, Foremost

D L Williams - Insurance

223 E Main St, Missoula, MT 59802

(406) 721-0336

Foremost, MetLife Auto & Home, The Hartford

Farmers Union Insurance - Andre Marcure

249 W Front St, Missoula, MT 59802

(406) 543-7184

Farmers Union, Foremost, Progressive, Safeco, Travelers

Scott Lucier - Insurance Agent

534 N Higgins Ave, Missoula, MT 59802

(406) 541-9050

State Farm

Summit Insurance Agency

401 S Orange St, Missoula, MT 59801

(406) 926-2552

Safeco, The Hartford, Travelers

Toby Hansen - Insurance Agency

425 S Orange St, Missoula, MT 59801

(406) 721-8810

Kemper, Safeco, The Hartford

Henkel - Insurance

523 S Orange St, Missoula, MT 59801

(406) 541-7890

Foremost, Safeco, Travelers

Jake Eby - Insurance Agent

1330 W Broadway St Ste B, Missoula, MT 59802

(406) 540-4425

State Farm

Darby South - Insurance Agent

1015 Mount Ave Ste A, Missoula, MT 59801

(406) 721-2980

State Farm

Montana Central Insurance

1008 Burlington Ave Ste B, Missoula, MT 59801

(406) 728-8091

Austin Mutual, Foremost, Progressive, Travelers

Anthony Pagniano - Insurance Agent

800 Kensington Ave Ste 102, Missoula, MT 59801

(406) 728-1833

Farmers, Foremost

Douglas Reeves - Insurance Agent

715 Kensington Ave Ste 13, Missoula, MT 59801

(406) 543-1808

Farmers, Foremost

Mike Prescott - Insurance Agent

1501 S Russell St, Missoula, MT 59801

(406) 541-9800

State Farm

Peter Kesel - Insurance Agent

1520 S Russell St, Missoula, MT 59801

(406) 541-9119

Farmers, Foremost

Farmers Union Insurance - Pamela Jacobsen

1120 Kensington Ave Unit C, Missoula, MT 59801

(406) 721-0599

Farmers Union, Foremost, Progressive, Safeco, Travelers, Dairyland

We are dedicated to providing excellent customer service with a personal touch. Farmers Union Insurance is a Montana based insurance company, keeping your money local for over 80 years. As a full service agency we offer commercial insurance, business insurance, auto insurance, homeowners, workers' compensation and disability insurance.

Tom Larson

1230 W Kent Ave, Missoula, MT 59801

(406) 542-2101

State Farm

Glidewell - Investment and Insurance 

2001 S Russell St, Missoula, MT 59801

(406) 728-0793

MetLife Auto & Home, Progressive, Safeco, The Hartford

Bowman - Insurance Services

1008 South Ave W # 8, Missoula, MT 59801

(406) 721-2540

Farmers Union, Safeco

Cliff Plantz

2207 S 3rd St W, Missoula, MT 59801

(406) 549-8080

Allstate

Pacific Crest of Montana, Inc.

2505 S Russell St Ste 210, Missoula, MT 59801

(406) 830-3307

Allied, Safeco, Travelers, Progressive

We offer affordable insurance options for home insurance, car insurance and commercial insurance.

PayneWest Insurance

2925 Palmer St Ste B, Missoula, MT 59808

(406) 721-1000

Austin Mutual, Chubb, Cincinnati, EMC, Fireman's Fund, Kemper, MetLife Auto & Home, Progressive, Safeco, The Hartford, Travelers

Kasandra Towner

2502 Brooks St, Missoula, MT 59801

(406) 396-2410

Farmers, Foremost

Ronald Brown

2502 Brooks St, Missoula, MT 59801

(406) 207-2009

Farmers, Foremost

Bob King

105 SW Higgins Ave, Missoula, MT 59803

(406) 549-2222

State Farm

Jeremy Belcourt

2501 S Catlin St Ste 105, Missoula, MT 59801

(406) 543-6177

Farmers, Foremost

Donald Thomas

1739 South Ave W, Missoula, MT 59801

(406) 544-6364

Allstate

Troy Dennison

1739 South Ave W, Missoula, MT 59801

(406) 728-2700

Allstate

Mountain West - Insurance and Financial Services

1821 South Ave W Ste 102, Missoula, MT 59801

(406) 532-6204

Travelers

Affordable Insurance

1830 South Ave W, Missoula, MT 59801

(406) 721-7446

Foremost, MetLife Auto & Home, Progressive

Wright Insurance

2801 S Russell St, Missoula, MT 59801

(406) 728-6333

Foremost, MetLife Auto & Home, Progressive

Yasenak - Insurance

2801 S Russell St Ste 32, Missoula, MT 59801

(406) 728-0460

Kemper, Safeco, The Hartford, Travelers

Steve Koski

1020 S Reserve St, Missoula, MT 59801

(406) 542-8666

State Farm

Mountain West Farm Bureau Insurance

1802 Dearborn Ave Ste 102, Missoula, MT 59801

(406) 541-6811

Mountain West Farm Bureau insurance

JT Zinn - Insurance

321 SW Higgins Ave, Missoula, MT 59803

(406) 549-8201

Foremost, Kemper, Safeco, The Hartford

AAA Insurance

1200 S Reserve St Ste B, Missoula, MT 59801

(406) 829-5500

AAA Insurance

Big Sky Insurance

1116 S Reserve St, Missoula, MT 59801

(406) 728-2759

The Hartford

We are a full service independent insurance agency. We represent you, our customer. We are not held captive to any particular parent company. We shop to get you the best insurance policy for the best price.

Randy Mitchell

1410 S Reserve St, Missoula, MT 59801

(406) 542-3112

Allstate

Treasure State - Insurance

2812 Brooks St, Missoula, MT 59801

(406) 258-7270

Foremost, Kemper, Safeco, The Hartford, Travelers

Mainwaring Corey - Insurance Services

11 Carriage Way, Missoula, MT 59802

(406) 728-7631

Travelers

Terry Payne & Company

2525 N Reserve St, Missoula, MT 59808

(406) 728-4050

Chubb

Daniel Blowers

1705 S Reserve St, Missoula, MT 59801

(406) 541-9885

Farmers, Foremost

Sharkey  - Insurance Center

619 SW Higgins Ave, Missoula, MT 59803

(406) 728-0030

Acuity, Foremost, Hagerty, Liberty Mutual, Progressive, Safeco, Travelers

Sharkey Insurance Center has served Missoula, Montana for nearly 40 years. As an independent agency we can write with over 100 companies, often leaving you with lower premiums and better coverage. Call Sharkey Insurance Center in Missoula today or visit us online and get your quote started.

Mike Wallace - Insurance Agent

913 SW Higgins Ave Ste 103, Missoula, MT 59803

(406) 549-2051

ANPAC

Holly Kingsford - Insurance Agent

2825 Stockyard Rd Ste A7, Missoula, MT 59808

(406) 541-6262

Farmers, Foremost

Robin Peters - Insurance Agent

2104 Dixon Ave, Missoula, MT 59801

(406) 728-1697

State Farm

Nate Sanders - Insurance Agent

2108 Dixon Ave, Missoula, MT 59801

(406) 721-5050

State Farm

Compass Insurance Group

2620 Connery Way, Missoula, MT 59808

(406) 493-5726

Travelers

Auto Insurance Massachusetts

Auto Insurance Massachusetts

• You have the right to seek the lowest prices available for auto insurance 

Now that competition has arrived in Massachusetts, you can shop for the best auto insurance rates available. The Division of Insurance encourages you to shop aggressively for the best rates for the products that fit your needs. Premium calculations vary by company depending on the types of traffic violations, accidents, and other criteria they consider. Even if you have recently been involved in a car accident or received a traffic ticket, it still pays to shop because some companies may judge some types of incidents differently.

• You cannot be denied auto insurance for unfairly discriminatory reasons 

Massachusetts insurers may not deny you automobile insurance based on your gender, race, creed, national origin, marital status, religion, age, occupation, income, principal place of garaging your car, education or homeownership. 

• You cannot be denied automobile insurance based on your credit history 

Companies may not deny you auto insurance based on any credit information contained in a consumer report that is obtained from a credit reporting agency.

• You have the right to know the basis for a company’s denial of your application for insurance

Insurance companies can refuse to offer you coverage based on non-discriminatory grounds, but they must identify the reasons for their denial. If you believe an insurer’s refusal is unlawful, you should file a written complaint to the Division of Insurance. 

• You have the right to coverage even if an insurer declines to give you a policy 

If you cannot find an insurance company willing to issue a policy, you may obtain coverage through the Massachusetts Automobile Insurance Plan (MAIP). An insurance agent can help you apply for coverage through the MAIP. The MAIP will assign you to an insurance company that will provide insurance to you for up to three years. 

• You have the right to select certain insurance policy periods 

The majority of auto insurance companies offer policies for one-year periods. Some insurance companies also offer policies for six-month periods, or for periods up to two years. You can take advantage of these options if they are offered to you. However, every insurance company that agrees to offer you a policy must provide a policy with a one-year term if you ask for it. When you compare premium quotes from different companies, be sure to compare policy periods that are identical.

• You have the right to have coverage under your auto insurance policy regardless of who is driving your car provided you gave your consent to the driver 

In most cases, your policy covers any accident involving your car even when it is driven by someone else with your permission. Your policy will not cover bodily injuries or property damage resulting from an auto accident when someone drives your car without your consent. If your car is stolen, comprehensive coverage will pay to repair any damage to your car if recovered, or its actual cash value at the time it was stolen. If someone else regularly uses your car, they must be listed on your policy.

• You have the right to travel and have your coverage follow you 

Your policy’s bodily injury protection only applies to accidents that occur in Massachusetts. In order to have bodily injury coverage outside of Massachusetts, you must purchase the optional coverage - including bodily injury coverage – follows you everywhere in the U.S. and Canada.

• You have the right to an explanation of how your driving history record affects your premium 

All companies use driving history when calculating premiums. The Division of Insurance’s regulation does not permit companies to calculate a premium based on an accident or traffic violation that is more than six years old. 

• You have the right to cancel your policy at any time 

You can shop for a cheaper or different automobile insurance policy at any time – not just when your policy is up for renewal. If you find a better price or a company that offers additional coverages that you wish to purchase, you can cancel your old policy and seek a refund of your unused premium. Be aware that if you cancel a policy before it expires, your prior company may charge you a penalty. 

• You have the right to change your coverages and policy limits at any time 

You have the right to change your coverages and policy limits at any time, even if your policy is not up for renewal. If you select lower policy limits or cancel non-mandatory coverages, you have a right to a refund of your unused premium.

• You have the right to the prompt and fair handling of claims 

You may ask about any payments made to others by your company and charged to your policy. If you file a claim with your company, it should be handled promptly and fairly. If your claim is denied, the company must provide you with a written explanation for the denial.

• If you are in an accident and your insurance company finds that you are “at fault,” you have a right to an appeal before the Board of Appeals 

Your insurance company must notify you that it has made a decision that you were more than 50% “at fault” in an auto accident. If you believe that you were not more than 50% responsible for causing the accident, follow the instructions on the Surcharge Notice to appeal the surcharge to the Board of Appeals. There is a $50 fee to file this appeal. You must file your appeal within 30 days from receiving your Surcharge Notice; otherwise, you may lose your right to appeal.

• You have the right to a notice of cancellation 

An insurance company may cancel your policy before its expiration date under very limited circumstances. The company must give you at least 20 days written notice before cancelling your policy. The notice must specify the reason for the cancellation. If you receive a cancellation notice for non-payment of premium, you have until the date that the cancellation is to take effect in which to pay the premium and avoid cancellation. 

• You have the right to appeal a cancellation of insurance

If an automobile insurance company cancels your insurance, you can file an appeal with the Board of Appeals. You should start shopping for insurance coverage from another insurance company immediately, even if you have not had your appeal hearing, so that you are not left without insurance coverage. You should never drive your car without insurance. 

• You have the right to a notice of non-renewal 

An insurance company can decline to renew your coverage for several different reasons. The company must issue a nonrenewal notice directly to you or to your agent at least 45 days prior to the expiration of your policy. The notice must specify the insurance company’s reason for non-renewing your policy.

• You have the right to keep private the personal information you give to your agent and insurance company 

Insurance companies and agents are required by law to have procedures in place that protect the privacy of your information. Your insurance company must provide you with a notice of these procedures. Also, insurance companies and agents are required by law to protect your personal information from identity theft, and provide you with specific instructions should a security breach occur.