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License Plates After Car Accident

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 06/01/2016

Q: After my vehicle was totaled in a car accident out my insurance company mailed my tags (plates) to from my old car to replace on the new one. Is that proper policy?

A: If you are in a state where you keep your license plate with you for life and just change the vehicle information for what it is being attached to, like in Idaho, yes, this sounds right.

New Vehicle Missing from Car Insurance Policy

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 06/01/2016

Q: My car was totaled in 2015. I assumed since the company was cashing my monthly payments, I thought I was being covered on my new car. I found out a few weeks ago that my new car was not covered since purchase. Am I due a refund for paying on a total loss car? I’ve since added it after trying to file a claim.

A: You need to talk to your agent or insurance company and figure out exactly what you were paying for.  Tell them you want to see documentation of the coverages for that time period as well as the bills for the premium you were paying.  Hopefully, you have an agent and you can sit down and talk to them about it to find where the problem happened.

If it turns out you told them to put your new vehicle on your policy and they didn’t you are owed the coverage.  You may have to pay the back premium, but it will at least get your total loss covered. On the other hand it was your responsibility to know what you were paying for. If the new vehicle was added you would have received documentation on it that you should have read through. If you didn’t get documentation of the new vehicle coverages a follow up with your insurance company or agent should have been made.

Life Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 05/27/2016

Q: I out lived a 15 year term life insurance policy i am in conversion period.I was paying $56.96 a mo. They are saying if I want to continue with the policy my premium will be $11,740 a year. Does this sound right? $100,000 policy I am 75 ?

 

A: Thanks for your question, we actually only answer questions about car, home, auto and other property and casualty insurance here. However, I have to say from a math standpoint those numbers don’t add up.  If you live another 10 years and just put that money in a savings account with your beneficiary’s name on it you will have $117, 400. Of course this is an unprofessional opinion and I have to advise you to seek professional financial advice before purchasing or making any investments for your life insurance.

Taking Your Car Insurance on a Road Trip

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/30/2016

Question: We are going to be taking a road trip across several states this summer and want to make sure we are covered. Do we need to get insurance coverage for every state we go through?

Answer: Good question and the answer is no. The insurance coverage you have on your car in your home state follows you around the entire nation, regardless of the insurance laws for the different states you travel through. State insurance laws are for those that reside in that state, not for those just passing through or visiting.

You do however need to make sure that you are abiding by the different traffic laws in each different state you visit.

 

I Purchased Car Insurance Online, Who Can Help Me?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 04/28/2016

Question: I purchased a car insurance policy through a website like yours online, but now I have questions about my policy, who can I ask? Can you answer my question?

Answer: When you purchase a car insurance policy through a website like Car Insurance Guidebook you are actually placed with a car insurance company and even an agent. All of this information can be found on your declarations page of the new insurance policy that you just purchased. They will be the ones that you can contact to answer any question that you have or to make any changes to your policy.

Car Insurance Guidebook is simply a tool that makes finding car insurance easier, we are not a car insurance company or agency.

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