I already have a health insurance and a life insurance in Omaha Nebraska NE. I just recently purchased a car and was told that I need to get auto insurance. What is an auto insurance? Isn’t having the two insurance enough already?

Rodel

Omaha NE

Hi, Rodel! I always like to meet people who appreciate the value of insurance. Insurance are there to offer financial assistance in cases when there are unfortunate events such as accidents, or worse, death. I can see that in this particular area, you are sufficiently covered already. Please take note, however, that auto insurance is an insurance specifically crafted for vehicles. It offers financial assistance for the policy owner to have the car repaired or replaced, as needed. Moreover, when you register your new car in the Department of Motor Vehicles in Omaha Nebraska NE, you will be required to have some form of auto insurance.

To ensure that you optimize your insurance and that you don’t pay for some coverage you already have, it will be best to review your existing policies. When you shop online by entering your zip code on the space provided here, make sure that the type of coverage you have selected excludes those already offered by your health insurance. For this setup, it will be safe to set up meetings with some local insurers in Omaha Nebraska NE. Make sure to bring your existing insurance with you so you and your insurer can jointly analyze the best type of coverage you would need under your auto insurance.

Remember that there are many insurance companies in Omaha Nebraska NE and it would be best to visit several before you choose which one to have a contract with. Remember that an insurer is someone you will have to deal with in the long run and you should feel comfortable with him or her.

I co-signed a lease for my teenage son’s vehicle when he was in college. A year later, he has moved out and is taking time off from college. He is still on my car insurance policy. What are our options? We live in Tamiami Florida.

Gene

Tamiami, FL

You have a couple of options depending on where the car stays everyday at the end of the day. If the car stays at your son’s residence, you should remove him and the car from your car insurance policy. Many insurance providers will not insure cars from more than one household – unless it is a student risk attending college in the same state from which the insurance policy originates. So, if you do this, I suggest that you make sure he satisfies the terms of the lease – because your credit may be at risk. Now, if the car stays at your household everyday at the end of the day and your son does not drive your cars with any frequency, you should remove him from your policy. To remove him from your insurance policy, you will probably need to provide proof he resides elsewhere. Another option is to turn the car back to the dealer – if you can. Ultimately, you will need to consult your insurance provider and the lease company to assist develop a plan that will meet your needs.

I am not satisfied with one body shop and want my car towed to another shop, do I still need to pay the first one my deductible? I live in Las Vegas Nevada.

Leo

Las Vegas. NV

You would only pay the body shop that actually repairs your car. But, you may be still responsible for any storage fees accumulated and most likely would have to pay those in order to have your car released.

You may contact your Las Vegas car insurance adjuster as soon as possible if you are considering having your car moved to another body shop. This would reduce any unnecessary additional costs.

Why does my auto insurance provider wants to know the ages and names of all children in our household over ten years old? Are they going to use this information to raise our insurance premium?

Meg

Houston, TX

There are a lot of reasons for this request. For some carriers, it is a state requirement to list all household requirements. It is typically for the coverage exposure or more importantly liability exposure. It does not affect the insurance rate, but the information is used to track down claim information at the time of loss. Some car insurance providers require to know the names and ages your children that live in your household and are over the age of ten so that they can keep track of potential (future) motorists. Some auto insurance policyholders do not inform insurance carriers when children in their households get their permits or licenses and therefore fails pay the proper increase in insurance premium.

Your insurance provider should not be able to use this information of non-licensed children in your household to increase your rates or charge you more. You may want to speak with your insurance company directly why they are requesting this information. If you do not receive a response or one that is not satisfactory to you, you can always contact your state’s insurance regulator. The insurance regulator should then look into your insurance company’s reason for asking this information and their rating system and then reply back to you.