That depends on several factors. If you are not sure, the safest route is to presume the answer is no. Even if you believe that you may be covered, contact the insurance company and find for certain. After an accident happens it will be too late to take precautions…

"Full" coverage is not the same as "complete" coverage. This situation seems to call for uninsured motorist coverage, since you do not know who the driver was who caused the damage to both cars. Alternately, collision coverage would apply to the situation.…

According to the law, drivers are not allowed to operate motor vehicles on public roads unless they are covered by insurance. What can be confusing is that most states, including California, do not allow anyone under the age of 18 to purchase car insurance…

In many cases, it is cheaper for a child to remain on the parent's policy for several years. This allows the person to build up a safe driving record and establish themselves as a responsible part of the community. The qualifying term used by insurance companies…

The old adage about getting what you pay for holds true for auto insurance. While you might be able to purchase a minimum package for around $30 a month, you will have to have excellent credit and driving histories, and the coverage you receive will not be…

In most states that offer it, no-fault insurance replaces the tort system. The tort system is the official name of the insurance system where disputes are settled in a court of law, where the no-fault system allows insurance companies to negotiate settlements…

Not only can your car insurance be in your parents name, there are very good reasons for young drivers to use that approach. There are restrictions and limitations to how long you can be covered on your parents insurance, though, including giving up the ownership…

The answer depends on what kind of insurance you are talking about, whether it is listed as a replacement value item in your policy, and other concerns. As a rule, insurance companies are not traders, and will not "just happen to" have matching replacement…

You may be able to purchase a vehicle without proof of liability insurance, but you will not be allowed to drive it off the lot until it is insured. In the state of Texas, you are required to have liability on your vehicles at all times, including vehicles…

Within reason, you can cancel your car insurance policy at any time. In reality, this means that you can notify your insurance company you wish to terminate the policy at the beginning of the next billing cycle. If you do not give the insurance company sufficient…