Ask me anything about Car Insurance

[Abeo]

Originally posted by M.alex
Nobody at my brokerage is answering today, lulz, so I had a question - if I purchase a 1990 vehicle, I believe it needs a safety inspection. Does the insurer let you insure it for X days to go and get your inspection, or does inspection have to be done before purchase (so you can insure it at the time of purchase)?

My old insco required an inspection within 2 or 3 weeks of purchase. Got a temp slip, then after the inspection a regular pink slip.

[btimbit]

Originally posted by M.alex
Nobody at my brokerage is answering today, lulz, so I had a question - if I purchase a 1990 vehicle, I believe it needs a safety inspection. Does the insurer let you insure it for X days to go and get your inspection, or does inspection have to be done before purchase (so you can insure it at the time of purchase)?

Depends on the company I believe, AMA gave me two weeks, RBC gave me three, TD wanted it up front.

[M.alex]

Cool, thanks.

Btw, there was a guy doing mobile 'safety' inspections for insurance before. I think like $40 ..... I can't find his ad on kijiji anymore; does anybody have his contact info/etc...?

[btimbit]

Originally posted by M.alex
Cool, thanks.

Btw, there was a guy doing mobile 'safety' inspections for insurance before. I think like $40 ..... I can't find his ad on kijiji anymore; does anybody have his contact info/etc...?

There's a few of those. All they generally do is make sure the headlights work and it runs half decently. Not worth doing if you're actually interested in having a good car

[M.alex]

Originally posted by btimbit


There's a few of those. All they generally do is make sure the headlights work and it runs half decently. Not worth doing if you're actually interested in having a good car

I trust the inspection I can do on a car; no need to pay $100+ just because insurance wants it.

[Mogg]

How long do at fault collisions effect your insurance for in Alberta?

[guessboi]

^ 6 years from the day of the accident

[Masked Bandit]

Originally posted by Mogg
How long do at fault collisions effect your insurance for in Alberta?

It depends on the company. The majority of the insurance companies in AB use a six year history but there are a few (Aviva, Pembridge, Optimum West) that use nine or ten.

[Cos]

Is it true that windshield coverage isnt worth the cost?

[Masked Bandit]

Originally posted by Cos
Is it true that windshield coverage isnt worth the cost?

For 99.999999% of the driving public, no it's not worth it.

I insure ~2000 vehicles. I have two that have windshield coverage and even those guys probably shouldn't bother.

[M.alex]

Any idea when/if insurance-per-mile insurance will come to Alberta?

[Masked Bandit]

Originally posted by M.alex
Any idea when/if insurance-per-mile insurance will come to Alberta?

I don't want to say never but there are no plans / discussions to go in that direction anytime in the next 1000 years.

[se7en]

Originally posted by Masked Bandit


Only if you want to risk being denied on a claim.

When a vehicle is insured the question that is asked is (basically) "who is driving this car and what are they doing with it?".

Providing a false answer gives the insurance company grounds to deny a claim. With that said, if it's a $1200 parking lot bump the insurance company isn't going to put much effort into proving you're a liar & a cheat. They'll just pay the claim, re-rate your policy and move on.

However if you manage to hit a pedestrian and the insurance company is looking at a $750,000 injury lawsuit, well that's a different story. They'll simply talk to your neighbours & coworkers and find out who REALLY drives the car the most. That's not a situation you want to find yourself in.

You screwed up by racking up a bunch of tickets. Take your lumps like a man, learn from your mistakes and clean up your driving record. Nobody is saying you can't have fun with your car. Hell, I'm the last person to say I'm an angel. The difference is that eventually you learn that there is a time & a place for everything. If you're getting lots of tickets it means you're either not paying attention (bad) or REALLY driving like a jerk when & where you shouldn't be. That's all there is to it.

I hear you 100%....but my ticket makes my insurance soo expensive that I can't afford to drive anymore...

Only one income in my house right now....stay home mom/wife....

[EG STyLeZ]

I recently got full coverage with Aviva. Is it necessary to declare that I drive with aftermarket rims during the summer months?

[guessboi]

No not necessary if the only mod you have is aftermarket rims.
If you have more mods (especially for performance), best to let your broker know.

My car was written off by the August 5 hailstorm . My adjustor actually gave me more money factoring my aftermarket rims and stereo deck. Just a FYI.

[dharminder]

Friend was driving my car and was rear ended, other drivers fault will this effect my insurance coverage, will they still do the repairs even though I was not driving the car?

[EG STyLeZ]

Originally posted by guessboi
No not necessary if the only mod you have is aftermarket rims.
If you have more mods (especially for performance), best to let your broker know.

My car was written off by the August 5 hailstorm . My adjustor actually gave me more money factoring my aftermarket rims and stereo deck. Just a FYI.

Could an insurance company ever deny you coverage in an accident beacuse you were using aftermarketr rims?

[Arnold]

I dont know if this has already been asked yet or not i didnt read through this entire thread but can an insurance company deny you the bare minimum coverage to legally put your car on the road only because of the fact that your car is right hand drive?
I've been told that insurance companies arent allowed to do that but just wanted clarification if anyone knows ?

[guessboi]

Originally posted by dharminder
Friend was driving my car and was rear ended, other drivers fault will this effect my insurance coverage, will they still do the repairs even though I was not driving the car?

You should be fine. Is not your friend's fault. As long as you provide permission (verbal, written, etc) for your friend to drive your car...they are covered under your policy. (I don't recommand people to lend their cars though)

This shouldn't affect your insurance rate / coverage as long as he is not at fault. Yes your car will be repaired.

[94boosted]

Not really auto related but nonetheless an insurance question. My Auto/Home Insurance provider is trying to sell me Identity Protection Insurance (protection from identity theft) is it worth it?