Q: Is a broken windshield covered under my auto policy deductible?

A: Broken windshields are typically covered under the comprehensive coverage portion of a car insurance policy. If you don't have comprehensive coverage, the cost of replacing the windshield may not be covered by your insurance.

Q: A friend of mine tells me that some companies will cancel people's car insurance if they file a single claim. Is this true?

A: A company isn't likely to cancel an insurance policy after just one claim. However, filing a claim could increase your premium on certain kinds of insurance.

Q: How do points affect my car insurance rates?

A: Each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.

Q: I recently bought an inexpensive used car. Do I need to insure it?

A: Almost every state has laws that require drivers to carry at least some car insurance. Many states even require that you present proof of insurance before you register a car. So you'll probably need to insure your car even though it has only a modest book value.

Q: I forgot to send in my car insurance premium last month. Will my policy be canceled?

A: Even if you're only one day late with your premium payment, your state may allow your insurance company to cancel your insurance policy. Usually, companies will simply send you an overdue notice asking you to pay the past-due premium plus a late fee. Check your state law and your policy to find out whether your policy will be canceled.