Online Auto Insurance Network

There are many details that need attention when someone passes away. Changing auto insurance policy information is probably at the bottom of that list, but eventually it needs to be addressed.

There are three likely scenarios:

1. A surviving spouse keeps the car
2. The car is sold
3. The car is given to a friend or family member

Surviving Spouse

If the surviving spouse decides to keep the car, make sure that the use rating on the policy is correct. Most insurance companies rate a vehicle driven for business higher than one driven for pleasure or commuting.

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When you buy a new vehicle, the lender often requires that you have full coverage-auto insurance. What is full coverage-auto insurance?

Full coverage-auto insurance is a term that insurance agents use to refer to collision and Comprehensive Insurance.

Collision Insurance will pay to repair any damage to your vehicle (less a deductible amount) when you are at fault in an accident. If you are not at fault, then the insurance of the person who is at fault will pay for the repair of your vehicle. There will be no deductible from the repair paid by someone else’s liability insurance.

Comprehensive insurance will cover the damage that is caused by theft of the vehicle, by breaking of glass, or by vandalism.

In addition to this coverage, all vehicles are required by state laws to carry liability insurance. T

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