Hey there. I live in Manchester, New Hampshire, and I was wondering about the difference between collision and comprehensive coverage.

Joshua

Manchester, NH

Joshua, it’s actually pretty easy to differentiate these two. Collision coverage is when you are involved in an accident where there actually is a collision with something, like another car. Collision automotive insurance covers the cost of the any repairs that would be needed for your vehicle, but it is only to as much as vehicle’s price which a willing seller and willing buyer would agree upon under the current market conditions, without being under threat. But if your car is leased or financed, automobile gap insurance would come in handy to pay for the difference between what you owe and what the vehicle is worth.

Usually, collision coverage comes with the cost that you pay for repairs before the auto insurance policy becomes in effect. This is what we call insurance deductibles. I suggest that you pay for higher deductible because this will make the cost of your policy go down.

On the other hand is the comprehensive coverage. Comprehensive coverage involves the damages caused by anything other than a collision. Examples of this are vandalism, theft, fire, theft, hurricane, or even if you are just storing your vehicle at home and it gets damaged. Comprehensive coverage works the same way as collision coverage.

Typically, drivers avail of both these coverage, but it is not really required legally there in Manchester, New Hampshire as in any state. If your vehicle is financed, collision and comprehensive auto insurance coverage will surely prove to be helpful.

Tags: auto insurance, car insurance

I just bought a new car in Baltimore, Maryland, and I’m shopping around for an affordable insurance policy. I heard advice from friends to get a higher deductible to lower the cost of my premium. Should I take their advice?

Gerry

Baltimore, MD

If you think you have what it takes to be a responsible driver, you may want to think about increasing your deductibles to lower you car insurance premium payments. When I say deductibles, this is the amount you will personally have to shell out for any repairs or payments on your insurance claim. In one scenario, for example, if you have set your deductible to be $500, and you will need to have the car repaired for $2000 through your insurance claim, you will first have to pay your $500 share while your insurance company will pay for the remaining $1500 balance of the bill. A higher deductible might just be the key to getting your premium to your desired level. It will also make you think twice if you ever come up with the idea of driving down the freeway fast and furious style in Baltimore, Maryland. Please note however, that you should only offer to pay a deductible amount that is within your budget or capacity to pay if ever an unfortunate event does happen. Otherwise, your plan to save by getting a more affordable insurance premium will backfire since you will end up paying for most of the repair expenses out of your own pocket.

Tags: auto insurance, cheap auto insurance, Gay Friendly Insurance

My gay friend has SR22 non-owners insurance. Will these cover policy holders in uninsured vehicles? Is it considered proof of insurance if the vehicle is uninsured in Portland, OR?

Oliver

Portland, OR

Hi Oliver,

I believe it would be best for you and your gay pals to verify first that the vehicle you will be driving is insured and not just rely upon SR-22 insurance to provide the necessary vehicle coverage in Portland OR. The owner of any vehicle on the other hand, is required to insure it. Your gay friend’s non-owners SR22 policy would be secondary to that insurance. A non-owners SR-22 policy typically doesn’t contained coverage for the vehicle in terms of physical damage or other necessary coverage’s like PIP (Personal Injury Protection) UM (Underinsured/Uninsured Motorist) and/or PD

So, if you borrow a car from a friend and get into an accident in a car, your friend’s insurance would kick in first. But if, for example, the accident was your fault and the damage to the other driver’s property exceeded the liability limits on your friend’s policy, your no owner’s insurance policy would cover the excess (up to policy limits)

Typically, in most US states SR-22 insurance would NOT provide proof of insurance for an uninsured vehicle. The proof of insurance must conform to the minimum requirements in a state and the coverage contained in a non-owners SR-22 policy is typically just liability coverage. Thus, if the vehicle’s insurance policy lapsed or was not in effect, then the non-owners policy would cover the policy holder if they are in an accident, but be aware that a non-owners policy covers liability only, but not the vehicle. So, stay safe.

Tags: auto insurance, Gay Friendly Insurance, sr22 insurance

When you go to file SR22 insurance, you will usually get your SR22 form one of two ways. Either your car insurance company will mail it to you, or they will make it available for you on their website so that you can print it out. Some companies allow you to sign it electronically. For some companies, if you sign it electronically, then they will submit it online. This is the quickest process for gay friendly SR22 insurance filing. If you have to print it out or wait for it in the mail, then you will either mail it back to your insurance company, who will then mail it to the DMV, or you will have to take it up to the DMV yourself. Ask your company about how they do the process and how quickly BEFORE you buy a policy with them.

• Owner operator SR22: this is the most common type of SR22, for people own and drive their car.
• Operator SR22: also called non owner SR22, for people who don’t own a car, but still drive
• Owner SR22: for those who own a car, but don’t drive

It’s important to always have one on file during the first three years after you became eligible to reinstate your driver’s license (or in some cases, such as in Texas, two years; in other cases, such as for repeat DUI offenders, five or more; please check on your case to see how many years you must file the SR22 form). If you don’t, the consequences could be difficult for you to get out of. Already it is very expensive to reinstate a driver’s license, but if your insurance is cancelled, an SR26 is filed by your company, which cancels the gay friendly SR22 form out. With this, your license is once again suspended and you will have to pay the fines and fees to get it back.

Having your auto insurance cancelled can sow consequences beyond just this. You begin to seem like an unreliable customer, which will make it harder for you to find a company to insure you in the future. When you do, they may charge you higher rates.

If you purchase your gay friendly SR22 online, then you can also save money, so long as you buy it from the right company. Many companies give incentives to buy online in the form of discounts. Of course, these may not necessarily be the best companies for you, so compare quotes after discounts with what your quotes after discounts would be from other possible companies which may not have the option to buy online.

More and more companies are selling gay friendly SR22 online because it saves them money, through

• fewer workers
• fewer offices
• etc.

And so, when they save money from more and more people buying online, in time they’ll hand that savings over to you. So you save in two ways when you buy online, and in one way you’re just planning savings for the future.

• Education.

You can enroll in a class for defensive driving or for general driver’s education if you want to save a percentage on your gay friendly SR22 policy. If you make good grades in your classes at school (most companies require a B average or above), you can pencil yourself in for another. If you go away to college at least a hundred miles away from your parents, and don’t take your car with you, then there’s another discount you qualify for.

• Safety.

The most important thing for a gay friendly teen SR22 policy is safety. It’s important to have a car with safety features, such as air bags, seatbelts, and electronic stability control, as well as good safety ratings.

A non owner policy is not very expansive, and for your gay friendly non owner SR22 you will only be able to purchase liability insurance and no fault insurance if you live in a no fault state. This is why you need to be careful about the cars you drive and make sure they are already insured by the owner. If you get into a car accident, then their coverage will kick in first and yours will when theirs runs out.

Gay friendly non owner SR22 policies also cost a lot of money. They have higher rates because of the lack of a car to factor in when rating. There are still ways you can save through discounts, such as by combining your coverage with other insurance policies and taking a defensive driver class. Call your company to find out what else you’re able to do.

• Missouri
• Georgia
• Texas

The SR22a form has many of the same requirements as a gay friendly SR22 auto insurance policy, but in addition to those it also requires that, when the person goes to buy their SR22a policy, they pay for six months of premiums in advance.

The SR22a is also required for a period of three years in Georgia and Missouri, and for two years in Texas. It is not filed alone, but is filed jointly with the regular SR22 form.

• My car is old/I have already paid off my car

Once you finish paying off your car, it may be time to take another glance at your gay friendly SR22 coverage. This doesn’t mean you should necessarily do anything, but it should depend on how much your car is worth, and considering how fast new cars depreciate, after four years of monthly payments, that may not be very much. Take a look at Kelley’s Blue Book to find out the value of your car. If it turns out to be less than $2000, you might cut yourself down to only the minimum levels of state required coverage.

• My car is new/My car is expensive/I am still paying off my car

If you have a new, expensive car, or a car you are leasing or financing, you probably want to have collision and comprehensive coverage. If you do, then you can save money by raising your deductible to at least $1000, but preferably more.