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Does car insurance cover car driver?, A common question involving car insurance is this: does car insurance follow the driver or the car? Filing auto claim insurance company, When your vehicle is damaged or stolen, one of the first things you may have to do is file an insurance claim. Does insurance cover theft personal property car?, If your vehicle is stolen, your auto insurance will pay to replace the vehicle but not personal possessions that you may have left in it. Your homeowners insurance covers lots of everyday incidents at home, but what about when you're moving? Copyright © 2012 Autos Weblog, All trademarks are the property of the respective trademark owners. Many clients purchase a car on the weekend or after work, when their agents’ office is closed. The answer varies, of course, but most preferred auto insurance companies in Maine do provide some automatic coverage for a new vehicle if you have an existing auto insurance policy.
Most companies that sell insurance through a Maine Trusted Choice Independent Insurance Agent like Noyes Hall & Allen use policy forms written by Insurance Services Office (ISO).
For example, Progressive’s auto policy appears to match coverage to a vehicle that the new one replaced. As always, check your own policy or with your own insurer to find out how your policy addresses the issue of automatic coverage on a new vehicle. Maine Resident Producer Agency #AGR29506Noyes, Hall & Allen is a Maine insurance agency. Most people are unaware that their auto coverage at times, covers flood damage, while often times their homeowner's policy does not. Standard homeowners insurance does not cover flood damage, but you may be surprised to learn that your car insurance might, if you have the right kind of policy.


Comprehensive car insurance covers any damage to your vehicle that results from something other than a collision. Once you buy comprehensive car insurance, here’s what to do if your car is damaged in a flood. Reach out to the author: contact and available social following information is listed in the top-right of all news releases.
If you’ve ever hit a bad pothole—and who hasn’t?—you’ve probably wondered if any damage to your car would be covered by your auto insurance policy.
First, understand that most policies will only cover pothole damage to the vehicle itself—such as the wheel, bumper or fender—and not damage just to the tires. SafeAuto or your own insurance company is prepared to help you make those decisions and work with you if you do decide to file a claim. Collision coverage is designed to cover damage to your car that is caused by colliding with some inanimate object.
The following infographic outlines the automatic coverage for a newly acquired auto in an ISO Personal Auto Policy. For answers to these and other insurance questions, contact Noyes Hall & Allen in South Portland Maine.
In the case of wide-spread damage, understand that they may be swamped with claims, so be patient. However, if your car is blocking traffic, you may need to have it towed, ideally to your insurance company’s preferred body shop.
Again, only if it’s safe to approach the car, close any open windows and cover any that are broken with plastic and duct tape.
Any significant amount of flood water in the engine compartment or cabin of your car probably ruined the electronic components.


Turns out, you might be able to use your collision coverage to pay for that damage…but you might not want to. You also need to consider how the amount of the damage compares to the deductible you would have to pay under collision coverage, which typically ranges from $250 to $1,000. However, if you strike a pothole that you could or should have otherwise avoided, you might have a claim made against you if someone is injured or property is damaged as a result. It is usually accompanied by comprehensive coverage, which covers your car for damage resulting from more random events, such as fire, vandalism, contact with an animal, or hail. If the damage to your car is less than your deductible, you might want to just pay for the damage yourself and avoid the claim process altogether.
That’s why you have liability coverage, which pays claims for injury or property damage that are made against you.
It’s always a good idea to read your policy carefully, and, if in doubt, ask your insurance company or agent about coverage for pothole damages. You’ll need to weigh the cost of the coverage and deductible against the replacement value of your vehicle. In many cases, insurance companies will opt to total a flood-damaged car rather than repair it, especially if it’s an older vehicle.



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01.08.2015 admin



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