Do Car Rental Agencies Cover Damages to the Car?
Reader’s Question:
Is a car rental agency liable to the damages to my vehicle if the person they rented the vehicle to does not have auto insurance at all in Peoria AZ?
Mike
Peoria, AZ
It will depend upon laws of the state if the rental car company can be held liable for the damages caused by a motorist who rented from them and caused an accident and without car insurance. A person renting a car typically signs a rental agreement which puts responsibility for damages caused in an accident on the renter.
Though many people believe that rental car companies will assume full responsibility for the vehicles they rent, in most states, rental car companies are not obligated to take responsibility for the actions of their rental motorists including Arizona.
If you were hit by an uninsured driver driving a rental car in Peoria AZ, you should contact the car rental company to see if they are going to take responsibility for the damages their renter have caused. If they are not, then you can contact Arizona insurance regulator or a lawyer to find out the state law that requires rental car agencies to do in this type of situation. Are you ready to get a an Arizona auto insurance quote….just enter your zip code and answer a few questions.
Choosing the Right Auto Insurance Company in Arizona
Reader’s Question:
I am going to renew my auto insurance policy here in Casas Adobes, Arizona next week and I received two different offers from two different auto insurance companies, with discount respectively. Can you please help me determining which one I’m going to choose?
Rafael
Casas Adobes, AZ
Sure Rafael,
Wow! Normally discounts are incentives being offered by the auto insurance companies in Casas Adobes, Arizona to selected drivers only. Also only few auto insurance companies who give certain offers to certain individuals and you’re lucky to get not just one but two offers. So if you are interested with these discounts, might as well contact your local insurance agent in Casas Adobes, Arizona to give you pointers on these offers. The usual incentive discount that an auto insurance company provides is when the driver has a clean driving history or the accident free discount.
There are also discounts being offered to good students, this discount is for the teenage drivers or youth drivers who posses a solid academic records. Also these youth drivers can receive auto insurance discounts upon completion of safety driver awareness educational program.
Discounts are also offered to a family who includes more than one vehicle in their policy. You can also get big discounts when you combine auto insurance to homeowners’ policy. You will notice a big value for your money on this method.
With those discount solutions that I’ve presented to you, I will be glad and happy to hear if one of these days you will be qualified to those incentive discounts. Check your options for auto insurance policies in your are by typing your zip code on a similar form on any insurance websites like the one in this page.
Free and Cheap Auto Insurance Quote in Arizona
Reader’s Question:
Is it free and quick to get an Arizona cheap online car insurance quote?
Michael
Phoenix Az
An Arizona cheap online car insurance quote is free and quick to get. If there are companies that ask for fees before giving you a quote, it’s best to find others who can give you the quote without charging a fee. There are two types of quotes that you can obtain for an Arizona cheap online car insurance. The first type is the kind of quote that is computed after an insurance company gets all of the relevant information about you. These include your name, age, address, marital status, driving history, car model and type, and the type of coverage you need.
The age and address are important factors in actual calculations. Naturally, the quote you will obtain from this will be quite near the actual premium. The actual premium will be higher since taxes and fees will be included in the final calculation. If you do not mind giving a lot of information, then, this type of quick Arizona cheap online car insurance quote will work for you. If not, there are other companies that give you quotes based on the car model and type and your driving history. They won’t ask for your age or your place of residence. You get more privacy in this respect.
Does a Speeding Ticket Makes Car Insurance Rate Go Up?
Reader’s Question:
I live in Mesa Arizona and recently received a speeding ticket (14 miles over limit). Will my insurance rate go up after just one offense of speeding ticket? How many points is that in my driving record? What would be the cheapest auto insurance in Arizona that would accept me…and my record?
Theresa
Mesa, AZ
Moving violations points range from 2 to 8 points in Arizona depending upon the seriousness of the offense. Speeding is listed as a three point offense by the AZ Department Of Transportation. This infraction point list does not state how much over the speed limit this point amount is for so would appear it is 3 points on an Arizona license for any speeding ticket.
Depending upon how your insurance provider’s rating system works, your car insurance premiums could go up after just one offense. To know more information about your insurance company’s rating system regarding moving violations, contact your insurance broker or the Arizona Department of Insurance which whom insurance companies must file their rates with.
How Car Insurance Rates are Determined?
Reader’s Question:
Hi, I’m planning to get motor vehicle insurance here in Flagstaff, Arizona. I’m just wondering how the premium is computed. Also, I was told that I may have to pay an excess in case a wreck happens. I would like to know how it goes. Thanks!
John
Flagstaff, AZ
Hi John, first of all your motor vehicle insurance premium is computed based on many factors, therefore it entails different computations. However, you would notice that your insurance agent there in Flagstaff, Arizona may have to get certain data from you such as the type of vehicle you’re using, where it is kept or garaged, the names of drivers other than you, including their respective ages, your previous records on driving, and your insurance policies. All these may have to be considered to determine the most appropriate insurance premium for you.
For the excess that you’re asking, this refers to the amount that you may have to pay when you claim. You may refer to your insurance certificate for the types of excess. Let us not forget to read the fine print. However, there are certain exemptions to paying an excess. One is during an accident involving two vehicles and you, as the driver of one vehicle, were found to be not at fault. However, you must be able to personally state the details about the other vehicle’s driver such as his or her name, home address, contact number, and the vehicle’s registration. Also, you may be exempted during an incident wherein your vehicle is the only one involved and you as the driver are not found at fault. In this case, you should also be able to identify (and prove) the persons at fault and state their personal details (i.e. name, home address, contact number).
Driving Without Insurance – What Happens if your Get in an Accident
Reader’s Question:
My wife unknowingly drove without a insurance and license in Arizona. She was hit by another vehicle that ran a red light, driven by a young driver without a seat-belt. What should she expect?
Andy
Glendale, AZ
Typically even without having insurance on your vehicle, your wife should be able to make a claim against the at-fault party’s car insurance policy for the damages to your car.
Typically, if you operate a car without having your license then it is a traffic violation with limited fines ($35 to $150, depending on the state). As for the penalties for driving without a insurance or license, they are usually quite serious in the state of Arizona. Operating a vehicle without a license is a class 1 misdemeanor and penalties can include the vehicle being impounded, a court imposed fine of $300 or more, and 48 hours in jail .
If at the time of that accident you had car insurance but did not have proof of it in the car so were cited, you can show proof of valid insurance for that time period and have the charges dismissed. But if you do not show proof of insurance, the judge may issue a fine in addition to any action taken by the MVD.
My Car Was Hit by an Ambulance – What to do Next?
Reader’s Question:
My car was hit by an ambulance in Phoenix, Arizona while it was parked. Will the ambulance be liable? I don’t wanna go straight to the police, insurance or the hospital as I might be laughed at.
Rodney
Phoenix, AZ
Hi, Rodney. Accidents with ambulances are always dicey. It is always a long process under normal circumstances, if you know what I mean. When the sirens of the ambulance are wailing, you are supposed to give way to the ambulance as they are in an emergency situation. You will be asked if didn’t you hear the siren and then it will turn out that you are the one at fault and be required to take tests or something to see if you really are fit to drive.
Anyway, in your case, you are quietly parked on a side street in Phoenix, Arizona. Now, that is a different matter altogether. More or less, you can go after them as it was clear it was the ambulance driver’s fault. However, the burden of proof is on you to show that the ambulance did hit you. You can check with the nearest hospital if the driver reported the incident, and also that way, it will make things easier as the driver indeed acknowledges that he bumped a car along the way but was not just able to stop due to the urgency of the moment. But first and foremost, report the incident to your auto insurance broker to give the “how to go about it” in more details.
Cheap Car Insurance for New Driver in Phoenix Arizona
Reader’s Question:
How can I get cheap car insurance for new driver like me here in Phoenix.
Henry
Phoenix Arizona
This will help if you follow procedures that will get you lower 
rates for any car insurance:
- Buy a car in Arizona that belongs to the low insurable bracket such as compact cars, cars with small engines, and mid-sized automobiles.
- Avoid any kind of modifications to your car, most especially any alterations that will change the standard factory specs of your car.
- Avoid special accessories and attachments to your car such as nitrous fittings, large exhaust and alloy wheels.
- Take note of safety features in your car such as air bags and inform your car insurance agent about them.
- Also take note of security and anti-theft devices that are built in with your car.
Remember, your new driver car insurance in Phoenix Arizona does not have to be expensive as long as you know what changes to make to get a lower premium. Good luck.
What is an SR22 Auto Insurance in Arizona?
Reader’s Question:
My father had a DUI here in Arizona not so long ago and I was required to get an SR22 auto insurance? Could you explain what an SR22 is and what it covers? Would this affect the financing for his new car?
Gavin
Chandler, AZ
An SR22 is a form that has to be filed by the auto insurance company and this states that auto liability insurance is in force for a certain person, in this case, for your father. This is typically mandated or required if the auto insurance coverage given to a person who got into a traffic mishap or was convicted for a driving violation and was not capable of showing financial responsibility.
Every state has certain distinctions of the SR22 auto insurance and its requirements. The obligation of a driver to have an SR22 must not directly have an effect on the capability to attain financing. Financing for a new car is not related to the need or constraint of the financial responsibility laws of a state.
Normally, there is an additional filing fee of $15 – $25 for SR22 auto insurance in Arizona. A driver who is required to have SR22 auto insurance is already considered high risk by auto insurance companies. And since the policyholder has to buy coverage levels that are mandated by the financial responsibility laws of the state, he/she may notice that his/her auto insurance payment is higher than what it used to. In any situation, if you find that you have to pay higher auto insurance premiums, all you have to do is to shop around and compare auto insurance companies and their rates to get the most affordable policy.
Getting Discount Life Insurance in Arizona
Reader’s Question:
I get discounts from my car insurance, home insurance, and other kinds of insurance. Is there discount life insurance too?
Dave
Phoenix AZ
There are different ways you can get discount life insurance. Following are some suggestion you can try.
1. Check your existing car and home insurances. The banks or companies that offer these insurances will sometimes have offers of free or discount life insurance if you get a car/home or other types of insurance from them. Some of these insurance companies also offer packages which can be a combination of various types of insurance including life insurance. Getting insurance package may come as a money-saving scheme since you will be dealing with one insurance company so payment would be more convenient. Insurance companies also like, as much as possible, to have their customers get all their insurances from them so they would surely offer discounts on your premiums.
2. Credit card companies also offer a free or an optional life insurance together with your credit card. But, usually, their life insurance policy only covered your unpaid debts from their bank. But nevertheless, it’s worth checking.
3. You can also check your local banks. It is possible you can get discount life insurance from them. There are banks which have promos that offer free life insurance for a number of years if you open a bank account from them. Or, if you get a personal loan, car loan, or housing loan from them, you will also get an insurance coverage from them for a minimal fee or even for free.
4. Just like in any subscriptions – magazines, newspapers, cable, and others – you can get discounts when you pay in advance for a year or number of years instead of paying them monthly. Insurance companies have various payment mode: annual, semi-annual, quarterly, and monthly. Insurance companies usually give discounts to policy holders who will pay their one-year worth of premium. This is a sure way of getting discount life insurance.
5. There are also insurance companies or insurance related companies that give out coupons codes or vouchers. They are similar to regular clipping coupons which you can use to get discounts from the original. If you are patient and resourceful, you can search the internet for companies that offer discount coupons. But before you use the coupon codes you will find, make sure that you check all the mechanics and rules just to be sure you do not get into a bad deal.
