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My Friend’s Car Insurance

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/19/2015

Does my friend’s car insurance cover an accident or does mine, if I am driving his car?

Question: I got into a car accident when I was driving my friend’s car, will the accident be paid for under my insurance or my friend’s car insurance?

Answer: Insurance coverage always follows the car and not the driver. So your friend’s car insurance will be picking up the tab for this car accident as you were driving his car. This also means that most likely his car insurance premium will also be going up thanks to you.

Which is a good reason NOT to let other people drive your vehicle.

Medical Expenses After Hitting a Deer

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/01/2015

Medical expenses work differently if they come from your own car insurance policy.

Question: I was hurt when I hit a deer, is there compensation available besides just medical? Pain and suffering from Traumatic Rotator Cuff Tear?

Answer: Pain and suffering payments are made to someone to compensate for the negligence of the other person because of the life interruption and pain they caused. This type of payment is never made to you from your own insurance policy because you cannot compensate yourself for your own negligence.

So in this case, the only payments that would be made under your medical expenses would be to pay for your medical payments.

How Much Will My Car Insurance Go Up After An Accident?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 10/03/2015

No one can tell you how much or even if an accident will make your car insurance go up.

Because we get this question at least once a week, it deserves it’s own post. Now this is not to say that this is a bad question, it is a very valid question and one that can cause a lot of anxiety. Unfortunately, this is the only answer that we can offer:

We don’t know if or how much your car insurance will go up after an accident!

Car insurance rates are based on so many different factors that two people could get into similar car accidents and one have their car insurance rates go up and the other not. This is because there could be other tickets, the place where they live has a different rating, the type of car they have is different, as well as many other things. So the addition of a new car accident is not the only rating factor that is looked at when it comes time for your car insurance to renew. This also means that not even your car insurance agent, your underwriter or customer service agent at your insurance company can tell you either.

 

 

Do I Have to Purchase Car Insurance?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 09/01/2015

Have we been misled into thinking we have to purchase car insurance?

Having to purchase car insurance to be able to drive is something that we have had drilled in our heads for quite a while now. But, did you know that in most states you are not actually required to purchase a car insurance policy?

The only thing you are required to have is proof of financial responsibility. This proof of financial responsibility can be in the form of a car insurance policy or it can be in the form of proof that you have the resources or cash set aside to pay for any vehicle damage or medical expenses that may result from an accident you cause. Because of how much you have to have set aside to meet his state requirement, most people just elect to purchase car insurance.

Plymouth Rock (Connecticut) Car Insurance Discounts

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 07/26/2015

Finding ways to save money with Plymouth Rock (Connecticut) insurance discounts.

Plymouth Rock (Connecticut) insurance discounts not be the long list that the Massachusetts discounts are, but they still offer Connecticut drivers good discounts on their premiums. So if you are a driver in Connecticut make sure that you are checking your declaration page for these discounts.

Plymouth Rock (CT) Drivers Discounts

  • Accident- and Violation-Free – No accidents and tickets will of course get you cheaper rates through a discount.
  • Mature Driver – Discounts available for drivers over the age of 60 who have successfully completed an approved accident-prevention course.
  • Distant Student – Discounts for the policy holder on their insurance premium if their child who is a licensed driver is away at school and does not have one of the vehicles on the policy with them.

Plymouth Rock (CT) Policy Discounts

  • Multi-Car – Discounts available if you have more than one vehicle insured on your policy.
  • Paid-in-Full Discount – If you can pay your annual premium in 1 to 2 payments you can qualify for this discount
  • Advance Quote – Discounts for policyholders who get a quote from Plymouth Rock more than 7 days in advance of their effective date on their policy.
  • Homeowner – Discounts for those that own their own condo or home

Plymouth Rock (CT) Special Discounts

  • Motor Club Member – Active member of one of our approved, membership-based, motor clubs? You can see a discount on your car insurance for that.

Please note though, that because we are not Plymouth Rock (Connecticut) we cannot guarantee that these discounts will still be offered at the time that you have your policy.  For the current Plymouth Rock (Connecticut) car insurance discounts that are offered by the company, contact your Plymouth Rock (Connecticut) insurance agent or enter your zip code at the top of the screen for a personalized quote.

 

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