Look through the things you should remember dealing with auto insurance companies and policies.

1. If your car in the rear in an accident it doesn't mean automatically your fault.

2. The best resource to determine liability is independent witnesses.

3. If after the accident necessity in renting car arises, check with the liable driver's insurance to determine the amount of rental car coverage.

4. If your vehicle is absolutely ruined in the accident, your auto insurance policy will not cover the cost of renting a comparable vehicle unless you purchase a policy with that specific coverage.

5. The US insurance policy provides coverage anywhere in the United States, US possessions, or Canada. Mexico isn't covered but some companies sell endorsements to your policy to cover your car in Mexico.

6. There is no “grace period” for continuing your policy beyond the premium due date.

7. If you can't send your premium by mail on time, deliver it to your agent’s office personally and don't forget a receipt. The date your agent is paid is considered to be the date the insurer is paid.

8. Your agent is not required to call you to remind you that your premium is due.

9. An insurance company has 30 business days for accepting, denying, or giving a reason why it cannot accept a claim.

10. An insurance company can cancel your policy for any reason within the first 59 days (except three cases). The exceptions include your employment status, status as a renter, and your not previous having had a policy (unless you were legally required to have one). In any case a company must give you the reason of canceling your policy.