If you are a police officer and work at a police force. You would want to get your special auto insurance for police officers. Although, all the police cars are insured by the police department while the police officers are on duty in their cars. Most police area is not valid when the police officers are not on duty. The minute the police officers get off from work and get home, the police cars are not insured.
If there is any accident or damages to the car, the insurance will not have to pay for the damages. The police officers most decide to get additional insurance to cover themselves and the car while they are not on duty. Read more ›
What happens to your auto insurance rates when after you crash your car?
You gotten in a car accident and wondering if your car insurance premium will go up. Well, that depends on a number of factors. Here we have collected some helpful principles on whether your car insurance may or may not increase after a car accident.
#1 What is your car insurance company?
Your car insurance company plays the biggest role in whether your car insurance premium will go up or not. The reason for that is because your car insurance company takes on your risk each month. If you car insurance company say it is now more expensive to insure you, you are stuck it that. (not every car insurance is the same) Where one car insurance company will only take on about 10% premium surcharge after an accident, another car insurance company may not do anything to the premium. Below are other factors that influence the car insurance company decision to increase or not increase your insurance premium.
#2 Was the car accident your fault?
Another big factor if your car insurance premium will go up after the accident is whether the car accident was your fault. IF you caused the car accident and the damages are over your deductible (usually $500-$1000) an increase to your premium is most likely. How much the increase cost of your car insurance premium depends on the severity of the damages, injuries, and your car insurance company. In most cases the increase is about 10% increments and it may last for 3 years. Read more ›
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