What do car insurance companies use to determine car value?

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

BEST ANSWER: Try this site where you can compare free quotes from different companies: http://COVERAGEDEALS.NET/

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I accept all responsibility. I am an idiot for doing this and I should have been paying more attention. I was caught going 50 km/h+ on a highway in Alberta. How much will my insurance rates go up? Will they double? I’m 18 y/o but the car is insured under my father. Also, how will I know when they have gone up? Do they go up after the court date, or does it start the day my ticket was issued?

QUESTION 3: What if an auto insurance valuation is too low?
The insurance company wants to total my car, which was in a parking lot accident. The value that they are giving it is way too low. I know some people want more than their car is worth and the insurance company would like to save themselves as much money. However, objectively looking at it…. I cannot find another car for the price that the insurance company says it’s worth. Online dealer ads list some cars with somewhat higher mileage at $2,000-2,500 more. When I offer the amount that the insurance company offered, they are polite but decline the offer. The insurance company uses comparisons with cars that are all much higher in mileage, some double. I suspect those cars are beat up. The state insurance commissioner will do nothing much, according to what their website suggests. At most, they will be an informal moderator that encourages resolution. They also tabulate the number of complaints. They will not get involved unless there is a clear violation of law, not just low ball estimates. They even say that. Actually, the repair estimate plus salvage value equals the value they assign. If the value is higher, it should be repaired, which I want. I am willing to accept a fair valuation and settlement but it is not fair now. What should I do?

QUESTION 4: Cheapet Cars To Insure For A 18 Year Old?
i am 18 years old living at home, i have 1000 pound and i am looking for a cheap run around to get me to school and back,, does anyone know any cheap cars to insure tanks

QUESTION 5: Im 18 how can i get affordable insurance?
im a private contractor self employed individual i dont make much at the moment im still covered by my parents but i want to checked out and im ebarassed to ask parents because i feel like i might have something they have enough bills and issues and id like to be responsible for my own actions and bare the consequences if i must but hopefully its nothing…

BEST ANSWER: Try this site where you can compare free quotes from different companies: http://COVERAGEDEALS.NET/

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Help with getting health insurance?
I’m a 22 year old college student and need health insurance. My mother doesn’t work and has medicare/medicaid. I don’t speak to my father. I’m a resident assistant on campus, which doesn’t offer health insurance as a benefit of working. The school offers health insurance but it’s around $2,000 a semester (four months) for very little coverage. There is commercials on TV about automotive insurance and life insurance but I don’t know how to find health insurance. Where can I go to find more information on different real insurance companies and what’s the average price (either per month or lump some) I would have to pay for health insurance? Any help would be great! Thank you!

QUESTION 3: Health insurance options for single moms?
My daughter is on my boyfriends health insurance right now, but he is switching jobs and his new job makes him get through 60 days of training before being able to receive health insurance. I am personally covered under my parents insurance, but they will not allow me to insure my daughter with them, so I was wondering if there is any affordable insurance options for my daughter while my boyfriend is unable to insure her. I am currently unemployed (to stay home with our baby) and since we are not married I am considered a single mom

QUESTION 4: Ontario motorcycle insurance help?
im a 17 year old male wanting to get my m1 and buy a 1985 yamaha virago, and i really don’t know where i can insure it for cheap because of the year most insurance places in ontario wont insure it, id have the Absolute bare minimum so it would be cheapest. please help

QUESTION 5: Driving points for no insurance?
How many points do you receive for driving without insurance in michigan?

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Can i get insurance with a temporary license?
i’m here in cali but i failed my behind the wheel test but they gave me a temporary license to drive all by myself. can i still get insurance?

QUESTION 3: Auto insurance. please help me. =)?
I’m sixteen and i just got a truck. it’s a 1977 dodge pick up 4×4. i can’t drive it without insurance and i don’t know where to get my insurance from. i’ve tried getting online quotes and stuff and it didn’t work. anybody know a good insurance company with a plan that covers the basic stuff i need just so i can drive my truck?? thanks. =)

QUESTION 4: In Pennsylvania do you need motorcycle insurance with just a learner’s permit?
I am about to get my motorcycle permit in Pennsylvania and I was wondering if I needed to get insured to ride with just a permit.

QUESTION 5: Which is cheaper? Insurance on an old car or insurance on a new car.?
I want a stock Mercerdes c. 1970-1980…. is that insanely expensive or what? I don’t know anything about insurance

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Lower car insurance?
I was wondering where i could find a class to take driving lessons to lower my car insurance and if that is even possible??

QUESTION 3: Do you have to insure a car, if you dont drive it?
I am 17 and currently learning to drive. I have found an ideal car, peugeot 106 quiksilver to precise. and looking at the specs i really do like this particular one that for sale at the car showroom. It will be another 2 months untill i finish all my classes and take the driving practical test. by this time this car may be sold and i might miss it. Due to the high car insurence for young/new driviver myself and me with the provisional liscense, it may be something that i cant afford. So i want to buy the car and park it in my street. so here is the question: Will the veichal need to be insured if i dont drive and just intend to leave it parked at all time on a driveaway/street? and will it be illegal if i do not insure it? P.S. i am intending to to drive the car only after i pass my practical test and also after taking Passplus

QUESTION 4: No insurance. Can I get temporary insurance so I can have surgery on my wrist?
Hello thank you for viewing my question and I appreciate any help.. I fractured my wrist a few years ago and never went to the doctor until recently. The doctor told me that my wrist was screwed up and I need surgery, but I don’t have insurance and was paying him cash unfortunately He told me surgery would be like $15,000 and I think he was telling me that I can’t just go get insurance now, because there is an injury on file so they won’t let me. My sister who is a nurse told me to get temporary insuracne just to get it fixed, and she said she didn’t think it would matter that the injury is on file. Does anyone know if I am able to get insurance at an affordable rate to get fixed or did I screw up by visiting the doctor already? Thank you very much

QUESTION 5: Can someone explain the difference between Health Insurance and any other Insurance?
I don’t understand why people act like health insurance is so radically differently than other insurance. Is it? Insurance is a form of risk management to hedge against loss. Auto, Life, Homeowners, Unemployment and Health are among the types of insurance you can buy. I’m generally not required to buy any of those insurances. If I have the title to my home, I’m not required to have homeowners insurance. If I don’t drive a car, I’m not required to carry auto insurance. Why should I be forced to buy health insurance? If I want to take that or any gamble by not buying insurance, isn’t that my choice? I will admit that by not purchasing health insurance, I could be putting a burden on others if I was admitted to the ER and couldn’t pay, that burden of payment would fall on others. HOWEVER, that burden would be there whether I was forced to carry insurance or not. If I don’t make enough money to buy this mandatory insurance, then the gov’t will give me tax credits to purchase insurance. Who’s paying for those tax credits? All of the tax payers. So either we pay the providers/insurance companies via higher premiums to cover loss, or we pay the gov’t via taxes. Forcing (perhaps unconstitutionally) citizens to purchase health insurance won’t solve anything, it will just move where the cost is incurred. But please, explain why people are treating health insurance so differently.

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: What car insurance is cheapest for teenagers? And is it better to pay monthly,every 6 months or yearly?
this is in the state of illinois.

QUESTION 3: Buying Car at 17 – Is there easier way to check insurance?
My parents are getting me a car for when i turn 17, and they asked me to look around online for one. The thing is, is there a easier way to check how much the insurance would be for me without answering a million questions. I just want to check approximately how much it would be? Because i need a car that would be about under 1500 a year insurance

QUESTION 4: Cheap car insurance for me?
Right I’m 22 and at college doing painting and decorating and have A LOT of people wanting things done to there houses but they are too far away and I can’t carry a paste tae plus tools on a bus and hawl it everywhere with me all the time so I need to get my *** in gear and get a car. I’m going to be taking lessons in the near future but insurance is obv essential. What would be my best option on cheap… Or cheaper option anyway for my current situation. Keeping in mind would only need a cheap small banger of a car and I’m a student. Any heads up would be great on where to go or best car for me Thanks

QUESTION 5: Will my insurance go up, if I jumped lights?
Will my insurance go up, if I jumped lights?

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Can I purchase, insure and register a motorcycle with a temp license in California?
Hey everyone. I passed my motorcycle skill test six weeks ago, but haven’t received my motorcycle license yet. And I want to buy a motorcycle and ride legally commuting everyday. I wonder if it is OK to purchase, insure and register a motorcycle? Thanks.

QUESTION 3: If i sue my auto insurance underinsured, will my insurance raise?
if i sue my underinsured because the other car at fault didnt have enough insurance will my insurance raise? or cancell me?

QUESTION 4: What will happen if I drive without insurance for few days?
I live in New Jersey, my county is Hudson county. I just bought my car yesterday afternoon my insurance company was closed. I could not call them to add the car on insurance and start driving with my other car insurance. What will happen if I drive with my other car insurance in my new car for a few days? What if cops stop me? Will I get a ticket or something else?

QUESTION 5: Car insurance Question?
I was driving my friends car. I hit someone. It was my fault. My friend has insurance but I dont know what kind of coverage. I was driving her car because she needed to borrow my truck. If her insurance doesnt cover her damage should I help her pay for it even though I was doing her a favor by borrowing my truck?

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Apartment Insurance?
I live in the basement of a house. Am I covered on my landlords insurance policy, or should I invest in renters insurance?

QUESTION 3: When people stop buying insurance because of cancellation and non affordable to renewal,will insurance co. go?
broke.

QUESTION 4: Affordable standard transmission car for teen?
Any suggestions for a cheap manual car for a 17 year old male? I don’t mind if it’s a 2 or 4-door. Anything that is known for low insurance so my parents could afford it.

QUESTION 5: Is there better insurance than Medicare?
I am 65 and in good health….I need better health insurance than Medicare. I don’t want suplemental insurance besides Medicare. I would like to ask if anyone knows of something better!

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Would your car insurance go up if you bump into someone else?
I was pulling off at a junction and I was looking to the right to see wether there is a car coming but the car infront (baring in mind he started pulling off) he suddenly pushed the …show more

QUESTION 3: Isn’t it time the insurance companies stopped ripping us off?
Just how annoyed am I… I’ve been unemployed for 4 months and receive income based job-seekers allowance,we don’t have enough to live on and finding a job seems harder than ever just now.My car had an engine problem and both the Tax and M.O.T had run out,with so little money coming in I thought it best to do without the car until I get working again so I scrapped it.I called my insurer to freeze my policy and was told that I could only freeze it for 30 days and would still have to pay the monthly 20, then I would have to cancel if I didn’t get another car by the end of the 30 days,cancelling will cost me 90. What the hell,how am I supposed to find the money and isn’t it time these greedy companies were asked to explain why they need to charge ridiculous amounts of money for doing nothing other than posting a letter,they also charge 35 to change the policy onto another car which I find a bit hard to swallow. Why though,why do they have to charge so much in these hard economic times

QUESTION 4: Is the money withdrawn from the life insurance in foreign country taxable?
I came from a foreign country about 10 years ago. In my country, I have a life insurance that is like a saving account with no interest. I pay the specified amount annually, and I will receive the money I saved when the insurance period completes in a few years. It will not be a big money, and will be just about 15% of my annual income. If I withdraw this money and transfer it to my bank account in the US, would it be taxable?

QUESTION 5: What is the day to day of a Commercial Insurance Broker?
I am interested in becoming a wholesale insurance broker as a career and would like to here from those that know about the current day to day life of someone in this position.

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: What insurance is best for women?
I don’t currently have insurance, but I want to start going to a gynecologist to see why I’m not getting pregnant. The co-pays are horrendous, like $150 per visit w/o insurance! I cannot afford that every time I walk in, but I can afford about $80 a mo for insurance, but IDK what kind or which to choose that will help me through the gyno visits, and possibly a fertility specialist. If anyone knows the best route for this kind of medical attention, please provide websites or names of insurance companies that apply to this. Also, I live in a small town in GA and there are NO near-by specialists or anything as such, so I’m sure to have to travel at least an hour or more to get the help I need. No, family planning centers, no women’s health centers, nothing! So if there’s anyway someone could give advice for that, please do. Thanks so much.

QUESTION 3: Does anyone know the best car insurance companies for young people, in the UK?
When I state best I mean cheapest for a young person. I’m twenty-one in a few months and looking to drive soon but insurance is steep, I found some good companies but just curious to know if there’s a specific good one. Any suggestions?

QUESTION 4: Does you’re engine being a V-8 vs a V-6 matter in what u pay for insurance?
i’m 16 and want to buy a white mustang, i’ll spend the extra money for the V-8 but i don’t know if it will increase my insurance costs, will it?

QUESTION 5: What cars result in cheap insurance for young drivers?
What cars lead to new (young) drivers (aged 17/18) having lower car insurances then they would do with the Golf’s or the Civics’s. I would like to know male attracted cars. Thanks in anticipation

Question: What do car insurance companies use to determine car value?
I just bought a 2008 used car. I bought GAP insurance (pays the difference between what the car is worth and the amount of the loan if the car is totaled) for $600. I have 30 days to cancel the insurance for a full refund (to my finance company). Do insurance companies use Kelly Blue Book retail value, private sale or trade-in value to determine the value they will pay for a totaled car? If they use retail or private sale, I can cancel and be okay if I get totaled, but if it is trade in, I will be $3000 in the hole with no car.

Question 2: Cheap Insurance, For a 19 year old?
hi im a typical 19 year old, been driving for 1 year this month. Does anyone know of any Cheap Insurance places, Everything is so expensive! i dont want to be paying more than 50.00 a month! Please help

QUESTION 3: Help! Will the insurance company pay for my totaled car?
My daughter who is 19 has full coverage on her car which is in the shop being repaired for hail damage. She cannot rent a car because of her age, so she has used my car for about a month. My car has liability only. She was recently in a car accident with my car. Another car caused the accident which caused her to side swipe another car and then she hit a pole. The car that caused the accident sped off. Nobody got the license plate number of that car. Should my insurance pay for my totaled car since her car was in the shop? Luckily no one was hurt.

QUESTION 4: How much can I expect my car insurance to go up?
I was in a car accident last week, I rear ended the car in front of me and pushed him into the car in front of him. It was my fault, and my car was totaled in the accident, it was an ’09 civic. Im 22 and this was my first accident, how much can I expect my car insurance to go up from this?

QUESTION 5: How much more do men pay for car insurance than women?
If a man and a woman are the ame age, same car, clean driving record, both live in the same city, and every other variable is the same. The only difference is their gender how much more would a man pay?