Can someone review my motor insurance plan, rate and review it, and furnish me proposal please?
Live in Wisconsin have newly got progressive but through a agency so that i can at least communicate to them
24 years old first time i ever had it and my dad have told me that if you hit someone and they know you have insurance they will go after you but if you dont they might not sue since i dont get a penny
How is progressive it seems like near is a lot of exclusions
1995
Chevr
BODILY INJURY & PROPERTY DAMAGE LIABILITY $179.00
BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT
MEDICAL PAYMENTS $10,000 EACH PERSON $32.00
UNINSURED MOTORIST $6.00
$50,000 EACH PERSON - $100,000 EACH ACCIDENT
UNDERINSURED MOTORIST $6.00
$50,000 EACH PERSON - $100,000 EACH ACCIDENT
Premium by Vehicle $223.00
Total Policy Premium $223.00
Answers:
When you said "and my dad had told me that if you hit someone and they know you have insurance they will travel after you but if you dont they might not sue since i dont got a penny".....
I'm kind of confused by what you are stating. If you hold a car or truck and you would like to drive it on roads... it MUST own insurance. If your vehicle is going to be registered, or is registered it MUST have insurance.
An insurance policy has liability coverages. The PURPOSE of liability coverages is: it pays damages due to bodily injury or property wreck for you would be legally liable ... also includes the cost of degending you in a lawsuit. (Which are subject to your boundaries listed above (a) bi 50/100 and pd 50). BUT you can ALWAYS get sued for an calamity if you are at fault but by insuring the car... you are PROTECTING yourself for your defense contained by the event of a lawsuit. I'll give worst case senario- you are within an at fault accident and the other human being would win a law suite..... then even though you may not own anything, your wages could be garnish.
Your bi/pd coverages are better than the minimum available, but keep in mind the MOST salaried out for any property damage to someone else's car or property is $50,000 respectively accident.
Your policy has NO COVERAGE for your vehicle to be fixed contained by the event that you would be in an at fault misfortune (but there is coverage for someone else's car or property within your liability coverages).
Your uninsured and underinsured should match your liability, which they do, and these coverages provide more coverage for you in the event you involve more coverage for bodily injury (when you are in a collision with someone who is uninsured or underinsured and THEY are rightfully liable for causing the accident). These limits give the impression of being good to me.
Looks like you have a dutiful basic plan there, in recent times don't take out multiple vehicles or hit a Viper (you would be for a time low on property damage) - oh, and you have to have liability insurance by ruling so don't go telling relations you don't have insurance. That is a quick course to get them to call the police.
NOYB, For car insurance the fastest method to win a cheap quote is do a auto policy comparison. If you choose the same coverage levels, you can obtain an accurate quote to compare against others. Use the same city/state, auto make/model, mileage and driving history to make sure you procure an apples to apples comparison. To get mulitple auto quotes, go to http://www.usinsuranceadvisor.com/Auto-I… and you can compare the crucial auto insurance companies.
Go to gieco and see what there rates are.. mine I use USAA.com and just pay half that for a 2006 scion and return with more.
I reason you posted this question before. I and others give you some great answers. But I will say this one more time.
This coverage grant you no coverage for your car. There is no theft coverage, which is comprehensive and no collision coverage. That is probly fine on an behind the times car. Jut know what your missing. You are missing comprehensive and collision. Last time you posted, you didn't say how outmoded your car was. Now it make more sense because your car is older so perchance you do not need those coverages.
Maybe you can post what exclusions you are refering to.
Related Questions:
24 years old first time i ever had it and my dad have told me that if you hit someone and they know you have insurance they will go after you but if you dont they might not sue since i dont get a penny
How is progressive it seems like near is a lot of exclusions
1995
Chevr
BODILY INJURY & PROPERTY DAMAGE LIABILITY $179.00
BI $50,000 EACH PERSON - $100,000 EACH ACCIDENT
PROPERTY DAMAGE LIABILITY - $50,000 EACH ACCIDENT
MEDICAL PAYMENTS $10,000 EACH PERSON $32.00
UNINSURED MOTORIST $6.00
$50,000 EACH PERSON - $100,000 EACH ACCIDENT
UNDERINSURED MOTORIST $6.00
$50,000 EACH PERSON - $100,000 EACH ACCIDENT
Premium by Vehicle $223.00
Total Policy Premium $223.00
Answers:
When you said "and my dad had told me that if you hit someone and they know you have insurance they will travel after you but if you dont they might not sue since i dont got a penny".....
I'm kind of confused by what you are stating. If you hold a car or truck and you would like to drive it on roads... it MUST own insurance. If your vehicle is going to be registered, or is registered it MUST have insurance.
An insurance policy has liability coverages. The PURPOSE of liability coverages is: it pays damages due to bodily injury or property wreck for you would be legally liable ... also includes the cost of degending you in a lawsuit. (Which are subject to your boundaries listed above (a) bi 50/100 and pd 50). BUT you can ALWAYS get sued for an calamity if you are at fault but by insuring the car... you are PROTECTING yourself for your defense contained by the event of a lawsuit. I'll give worst case senario- you are within an at fault accident and the other human being would win a law suite..... then even though you may not own anything, your wages could be garnish.
Your bi/pd coverages are better than the minimum available, but keep in mind the MOST salaried out for any property damage to someone else's car or property is $50,000 respectively accident.
Your policy has NO COVERAGE for your vehicle to be fixed contained by the event that you would be in an at fault misfortune (but there is coverage for someone else's car or property within your liability coverages).
Your uninsured and underinsured should match your liability, which they do, and these coverages provide more coverage for you in the event you involve more coverage for bodily injury (when you are in a collision with someone who is uninsured or underinsured and THEY are rightfully liable for causing the accident). These limits give the impression of being good to me.
Looks like you have a dutiful basic plan there, in recent times don't take out multiple vehicles or hit a Viper (you would be for a time low on property damage) - oh, and you have to have liability insurance by ruling so don't go telling relations you don't have insurance. That is a quick course to get them to call the police.
NOYB, For car insurance the fastest method to win a cheap quote is do a auto policy comparison. If you choose the same coverage levels, you can obtain an accurate quote to compare against others. Use the same city/state, auto make/model, mileage and driving history to make sure you procure an apples to apples comparison. To get mulitple auto quotes, go to http://www.usinsuranceadvisor.com/Auto-I… and you can compare the crucial auto insurance companies.
Go to gieco and see what there rates are.. mine I use USAA.com and just pay half that for a 2006 scion and return with more.
I reason you posted this question before. I and others give you some great answers. But I will say this one more time.
This coverage grant you no coverage for your car. There is no theft coverage, which is comprehensive and no collision coverage. That is probly fine on an behind the times car. Jut know what your missing. You are missing comprehensive and collision. Last time you posted, you didn't say how outmoded your car was. Now it make more sense because your car is older so perchance you do not need those coverages.
Maybe you can post what exclusions you are refering to.
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