Reader’s Question:

What should I do to find an affordable college student vehicle insurance deal here in Hawaii?

Carrie

Honolulu, HI

There are actually a lot of ways you can follow in order to find the best and affordable college student vehicle insurance there in Hawaii. You can get instant quotes online from vehicle insurance companies, and they offer this service for free. You can also check the yellow pages and contact accredited vehicle insurance companies. Consulting an independent vehicle insurance agent will also help you because they are experts on this subject, and it will save you the time of contacting several different vehicle insurance companies all by yourself.

Now, you just have to consider some things before seeking out the cheapest college student vehicle insurance. The costs of vehicle insurance vary from company to company and also because of a lot of different factors.

Having a good driving record is a plus because this shows that vehicle insurance companies may trust the driver not to make claims frequently. Remember that making claims is equal to the company losing money. Vehicle insurance companies are not really fond of clients who make claims very often. So, just imagine how numerous claims due to a lot of accidents or a DUI (driving under the influence) offense may affect the price of college student vehicle insurance.

Being related to military personnel may also make one eligible to a lot of discounts. Numerous vehicle insurance companies all over the country give lots of discounts to military men and their families out of sheer patriotism. Some just think that military men are good clients.

But the most important thing of all is to get good grades in school. This is actually the best and surest way to avail of discounts.

Tags: auto insurance online, cheap auto insurance, DUI, good driver insurance, military discount

Reader’s Question:

Hi. I’ve just accepted a job in Honolulu, Hawaii so I relocated. I want to know if there’s anything I should know about driving and car insurance here. Thanks.

Stephanie

Honolulu, HI

Hi Stephanie. I so love this question. I really do. I worked and lived in Hawaii for six years and I must say that I was enamored by the place. To answer your question. Driving laws in Hawaii do not differ much from those in the mainland. The only difference, and I found it very interesting, is that they don’t have the liabilities that are usual in most states because it is a no-fault state. There in Hawaii, your car insurance provider pays for the body injury damages incurred in the accident and it doesn’t matter who the party at fault is. However, for property and car damages, the insurance company of the person at fault will be the one to pay. They have different other coverages to choose from, depending on what you think you will need. There’s Comprehensive, Collision, Uninsured Motorist.

So, first thing you must do is get yourself a car insurance ID so you can start driving around because you will need to show proof that you are insured before you can register any vehicle. Find the nearest insurance agent in Honolulu, Hawaii. Enjoy your stay!

Tags: auto insurance, car insurance

Reader’s Question:

What is a comparative negligence law? Is that law implemented in all states such as here in Honolulu, Hawaii?

Andrew

Honolulu, HI

Hey Andrew, the comparative negligence law is most commonly referred to as the No Fault Law. In an accident, the fault is not always placed on one participant, meaning one party is not necessarily always held at fault for the incident that happened. Often, fault is distributed, in varying percentages, to the parties involved such that both have liabilities. The allocation of fault is normally identified after the insurance company and the claimant has negotiated. The scope of the comparative negligence law vary per state, that’s why you have to either consult an attorney there in Honolulu, Hawaii, or get a copy of state laws in order for you to better understand how this works.

However, you may find that in most states, there are two primary versions. There is what they call a “pure comparative negligence” in which a claimant can collect up to the amount of their damages less the percentage of the damage that was found to be their fault. There is also “modified comparative negligence” wherein a claimant is allowed to collect from the other party’s insurance company if he/she is determined to be at fault for a certain percentage. This type of law is more widely used than the first one.

Tags: car insurance law

Reader’s Question:

My side window was broken this morning and I didnt know who or what caused that. Will my liability insurance cover this damage to my car? I live in Honolulu, Hawaii.

Green

Honolulu, HI

Comprehensive coverage in your car insurance policy covers glass damage but since you only have the liability insurance then the glass damage will not be covered or replaced by your car insurance policy.

Typically glass damage or repairs or replacements are covered under the physical damage of comprehensive coverage portion of the vehicle insurance policy. Normally this coverage covers for any physical damage to your automobile caused not by a collision with an object or another car, but by a different perils.

So with only liability insurance you have in Honolulu, Hawaii you would not be covered by your car insurance company for the side glass damage that was broken due and so it would be your responsibility or the responsibility of the person who caused that damage to your vehicle.

Tags: auto insurance, comprehensive insurance coverage

Reader’s Question:

I have a full coverage in my automobile in Honolulu Hawaii. What will happen if I allow someone who is uninsured to drive my car? Will he be covered on my car insurance in case of an accident?

Patty

Honolulu, HI

Car insurance policies differ so it would be up to the terms of your auto insurance policy if the person who borrowed your vehicle will be covered or not by your car insurance policy.

Generally, most auto insurance policies will be extended to persons that you allow to drive your automobile. If however that individual resides in your household then normally they would have to be added on your car insurance to be covered and if you let someone borrow your vehicle to a friend for an extended amount of time or the individual operates your vehicle on a regular basis they may need to be listed your car insurance policy as an occasional driver.

To know for sure what coverages from your car insurance policy in Honolulu Hawaii would extend to those you allow to operate your automobile, read over the specifics of your car insurance policy. You may also talk with your insurance carrier regarding this. Your car insurance agent will be able to inform you what coverages extend to others that operate your vehicle and what would happen if another driver driving your car was in an accident.

Tags: auto insurance

Reader’s Question:

Will my auto insurance in Honolulu, Hawaii cover rental car that I can use to go to work while my vehicle is being repaired?

Shane

Honolulu, HI

If your vehicle is being repaired because of an auto accident which you were not at fault, you may check if the at-fault driver’s insurance carrier has a rental car allowance during the time your vehicle is being fixed in the car shop.

If for instance you were at fault in an accident and are placing a car insurance claim through your insurance carrier, you should check if you have rental car coverage. There is typically an optional rental car coverage that you can get through your insurance carrier. Your insurance provider can inform you if you have this rental coverage and what your limits are with it.

However if you have not been in an accident and your vehicle is being repaired for other reasons in Honolulu, Hawaii, the rental automobile coverage would not cover a rental vehicle during this period.

Tags: auto insurance, rental car insurance

Reader’s Question:

Good day from sunny Honolulu! We are thinking of selling a car because the cost each car is out of control. How do we get the cheapest car insurance?Thanks,

Miguel

Honolulu HI

That sun sounds good, Miguel,

The rest of the good news is that there are things under your control that will help you find the cheapest car insurance. If you and your family are safe drivers, you may qualify for safe driver discounts. That will help in finding the cheapest car insurance available. If you are a safe driver, you may be willing to increase your deductible. Because you are reducing the carrier’s risk, you will qualify for their cheapest car insurance rates.

You should definitely get competitive pricing for a policy that includes all your cars. By bringing multiple vehicles under one policy, you should qualify for the cheapest car insurance in Honolulu HI. Another consideration would be to make sure that you request proposals for annualized rates. The more cars on the policy and the longer the term of the coverage, the better your chances of finding the cheapest car insurance will be.

As with all competitive shopping, you must get multiple bids for the cheapest car insurance rates. By applying on the site for the cheapest car insurance rates, you will receive multiple proposals that will solve all your car insurance needs. By providing general information at the request link, you will receive multiple proposals and know what the cheapest car insurance will cost you and your family.

Tags: auto insurance, cheap auto insurance

Reader’s Question:

A kid ran in front of my automobile and I hit her. She was not injured and my car was not damaged. The mother of the little girl said sorry. I did not feel the need to exchange information since there was no harm done to both parties. The mother called the police after I went away and filed a report. There were witnesses and saw what really happenned, but what I am concerned about is if I need to inform my car insurance company in Ewa, Hawaii about this?

Jane

Ewa, HI

Yes, you can let your Ewa, Hawaii insurance carrier know. Actually I had a kinda similar case that happen to me a few months ago, and even though the woman never filed anything against me, but still I reported it to my insurance insurance company. If I were you, I would call my insurance carrier as soon as possible. They will most likely get a statement from the witness and from you

Typically insurance policies have rules or terms that require you to provide notification of insurance claim asap, because it is possible for your your car insurance company to deny car insurance coverage if you have failed to do so, and it still depends on the exact terms of the policy and other factors You absolutely should tell your insurance company what happened.

Always remember also that sometimes witnesses go away. The statute of limitations might be long enough that they will just wait until you can no longer track down the witness, and then sue later on. That also happened to me.

Goodluck!

Reader’s Question:

I was hit by a vehicle at a stop sign but it was the other driver’s fault. I do not have auto insurance. Will the other driver’s auto insurance pay for the damages?

Tim

Honolulu, HI

Yes, typically. You have to report this loss to the other driver’s insurance carrier. A licensed claims adjuster will get your version of the incident as well as the other driver’s version. A claim adjuster will consider all of the facts along with any other information relevant to this accident. The decision will be made by the claims adjuster ultimately.

Additionally, you might receive a citation from the responding police officer for not having your own auto insurance. This could include a fine and you may have to provide proof that you have acquired an insurance policy. But of course, this insurance policy will not cover you for the loss that already happened.

In addition, your driver’s license might be suspended and you may have to satisfy the financial responsibility laws. This means is that you will have to purchase an SR22′ insurance policy.

Tags: auto insurance, driving without insurance, sr22 insurance

Reader’s Question:

Will my car insurance policy number be the same if I have more than one vehicle in North Kona?

Bill

North Kona, HI

Yes, if all of the vehicles are on the same car insurance policy then even though there are multiple vehicles there will be only one auto insurance policy number. Normally you will be issued an auto insurance card for each car to carry with you and show to police officer if requested to do so.

Typically, each insurance card will have policy holder(s) name, the policy number, description of the vehicle and its vehicle identification number (VIN) on it. So while all of your vehicles are under the same car insurance policy number the insurance cards will differentiate between them all and list the vehicle that the insurance card is for on it.

Tags: auto insurance