Usually, the car owner’s insurance covers damages first, but it varies by state. Always check before driving someone else’s vehicle.
Safe driver, multi-car, good student, bundling home and auto, and vehicle safety features often qualify you for discounts.
Claims can raise your rates, especially if you’re at fault. Minor claims may have less impact depending on your insurer.
Report the accident, document damages, exchange info, take photos, and notify your insurer promptly.
Yes, it covers injuries and damages if an uninsured or hit-and-run driver causes an accident.
Each state sets its own minimum coverage limits, so you must meet your state’s specific insurance requirements.
Gap insurance covers the difference between your car’s value and what you owe if it’s totaled or stolen.
Yes, some insurers offer pay-per-mile or usage-based policies to better fit your driving habits.
Expensive, high-performance, or older vehicles often cost more to insure due to repair and theft risks.
You risk fines, license suspension, and financial liability for damages and injuries you cause.
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