 | John Eck
is the owner of the ECK Agency, Inc., which is an independent insurance agency representing over 80 companies offering life, health, property & casualty insurance. Beginning his career in 1968, he is a Certified Insurance Counselor, a licensed Kansas insurance broker, and has held numerous positions with other related business ventures. Currently an active member of his local School Board, he has also held elected positions on the City Council and Hospital Board in past years. John can be reached at his office by phone at (800) 444-4911, or you may e-mail him at: eck@eckagency.com |
Insurance
2005-12-29 10:13:00
The insurance man - series?
: Should I expect my premium to rise if I reported an accident to my insurance company in which I was not found at fault?
ANSWER: It is unlikely you would see a premium increase solely because you were in an accident in which another person was at fault. However, you may receive a premium increase if that accident was one of several you have had throughout the year or in recent years. Even if you had several accidents and were found not at fault in each of them, the insurance company may assume there is something hazardous about your driving and thus charge you a higher premium.QUESTION: Do I need to purchase insurance before I buy a new car?ANSWER: If this is your first car, yes, you'll have to buy auto insurance before you drive your shiny new car off the dealer's lot. If you are financing the purchase, the lender will require that you buy a policy with comprehensive and collision coverages. Not all states require the purchase of liability coverage. You will want to check whether the state in which you reside does or does not.If you have owned a vehicle and already have an auto insurance policy, that will generally cover your new automobile for a period of up to 30 days after you buy it. Once that 30-day period is up, you'll have to talk with your agent or company representative to insure that new vehicle.QUESTION: What can I do to protect myself against uninsured drivers?ANSWER: Purchasing uninsured/underinsured motorist (UM/UIM) coverage can protect you against uninsured drivers. In many states, UM coverage is required by law.UM coverage will pay for medical bills and pain and suffering if you are hit by an uninsured driver. In some states, UM property-damage coverage is available. One thing to always keep in mind, in Kansas, UM coverage is only for you, and does not include any physical damage coverage.
