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Questions and Answers RSS FeedsHow long do I have to collect on my GAP insurance after my car is declared a total loss? - How long you have to make a claim and collect on your GAP insurance policy will depend upon the terms of your policy. If your vehicle has been declared a total loss by your primary insurer then you should inform your GAP insurance carrier. After the primary insurance company ...Feed Source: www.carinsurance.com When should I consider commercial auto insurance instead of personal auto insurance? - We offer commercial auto insurance quotes and policies through a few of our partners and affiliates. When you use your vehicle in business you need to notify the insurance company. In some scenarios it is better to have a "regular" personal car insurance policy with a business ... I had a speeding ticket followed by an accident 30 days later in Washington State. How long will affect my car insurance? - The Washington State Office of the Insurance Commissioner notes that in WA insurance companies calculate auto insurance rates by starting with a dollar amount (base rate). Your base rate is adjusted according to certain factors such as your age, sex, marital status, driving ... How do Safeco customers move coverage for their car insurance policy? Will they use their new manage your move service? - When you have a Safeco Insurance product through CarInsurance.com we help you move your car insurance policy automatically. There are a few scenarios that we follow up on to make sure you are covered. If you move within the same state: Safeco Gold Service will contact y ... If I move from Michigan to California, will I have to buy a new insurance there or will my PLPD from Michigan for another six months be ok in California? - You will need to obtain California auto insurance on your vehicle once you move to California from Michigan. According to the California Department of Motor Vehicles your auto insurance needs to meet the minimum liability limits required by the state of CA and be issued by a c ... Does Michigan allow/exclude payment to a first party for a vehicle's diminished value after a collision? - As you are likely aware diminished value has to do with the fact that a car that has previously been in an accident and repaired tends to fetch less money at the time that it is sold then a motor vehicle that has not been in an accident or had repairs due to dents, scratches, ... My dad bought me a car. He lives in Tennessee and I live in Georgia. Can he insure it in TN and I tag it here in GA? - No, according to Georgia laws you will need to have your car insured in Georgia if your registration and license plates are from Georgia. Even if GA did allow you to have an out of state insurance carrier cover your vehicle it would likely be difficult to find an insurer that wo ... I got a letter from DMV in Albany, NY stating that my license is being suspended as of 3/24/08 because failure to maintain liability insurance on my car. How long will my license be suspended for? - You will need to contact the NYS DMV to determine how long the driver's license suspension will be for due to a lapse in your auto insurance coverage in New York. The suspension time can vary depending upon how long your vehicle was uninsured and also on the amount of time your ... I got a speeding ticket for 24 miles over the 65 mph limit here in PA Turnpike around Philly. My last violation was in June of 2003 where I had 4 points after 2 points were taken off when I took the class. My questions is how many points is it for 24 miles over the speed limit. Is it 4 or 5? - In Pennsylvania point system fact sheet put out by the PennDOT being convicted of a speeding offense of 16 to 25 miles per hour over the speed limit is 4 points and 26 to 30 mph over the posted speed limit is 5 points. In PA, the Pennsylvania DOT maintains a driving record fo ... I hold a CT drivers license and I received a ticket for going 70 mph in a 40 mph zone, on a non-limited access road in my area. The officer said that because of Connecticut's speeding laws, I need to appear in court in 2 weeks and they will set the amount. How much does this ticket usually cost? - According to the State of Connecticut Judicial Branch site fine amounts are set by the judges of the CT Superior Court. The judges set a schedule of fines for all motor vehicle infractions and violations each year. These fine schedules are printed in a pocket-size booklet, w ... I have a suspended license in Oklahoma am I eligible to get a drivers license in Arkansas? - It is doubtful that Arkansas will allow you to obtain a driver's license there while your license is still under suspension in Oklahoma. All states check with the NDR (National Driver Register) before issuing driver's licenses. The NDR lists problem drivers, meaning those with ... I am 17 years old from New Jersey. I have a provisional license, and I just want to know what the times are that I can be out until. My dad says I'm only allowed out until 11 because that's what the curfew is, but I thought I was allowed out until 12 Midnight? A paper I read said anyone under 18 is not permitted out after 11, but does that apply to me since I have a license and it says I'm allowed out until 12 Midnight? - The New Jersey Motor Vehicle Commission (MVC) states that you must observe the following requirements and restrictions while driving with a provisional license: No driving between 12:01 a.m. and 5 a.m. See GDL Exemptions for exceptions due to employment or religious reasons ... Hi, I am a 17 year old living in New Jersey with a recently-received Provisional license. I was wondering if I have to register for auto insurance under my personal name in order to be covered? I have heard that being under 18, I am automatically covered by my parents auto insurance, is this true? - If you own your own vehicle then you will need to obtain auto insurance on it. Since you are a minor your parents would need to sign on the policy with you. If you do not have your own car then to be properly insured to use your parent's vehicle you will likely need to be added ... Why did I get a ticket and have to go to court for driving a friend's car that was not insured? Shouldn't the owner of the car be responsible for the fine I paid that was $550.00? - As the police, court officer or judge likely explained you were ticketed for driving a car without insurance since it is illegal to do so. Even when you are only the driver and not the car owner you should be aware if the car is insured, where the insurance documents are in case ... I was involved in a car accident. I have liability coverage. If my car is totalled out will I get a check for the value of the car? - If you are at fault in an accident then your liability coverages would not cover your vehicle so you could not make a first party claim with them. You would need physical damage coverages of collision and comprehensive to cover damages to your own vehicle if you are at fault i ... How long do you have to carry a SR-22 in the state of Florida for a 12 month suspension on points? - The FL Department of Highway and Safety and Motor Vehicles (HSMV) lists a 30 day suspension for 12 points earned within 12 months, a 3 month suspension for 18 points earned in 18 months and a one year suspension for 24 points within a 36 month period. So it would appear that y ... My vehicle was parked and hit by another vehicle that is a company vehicle that is self insured are we required by Missouri law to get 2 estimates or can we take this car where we want to? - Missouri does not have a law on how many estimates one must get however many insurance companies, and self-insureds, will request 2 or 3 to make sure the first repair shop's estimate of repair costs is not unreasonably high or low. In Missouri an insurance company can take t ... What is the rule for making a claim for pain and suffering in Ontario, Canada? Is there a threshold? - In Ontario, Canada a lawsuit for pain and suffering is allowed in some situations and yes, there is a threshold of injuries that must be surpassed in order to seek damages for pain and suffering. According to the Insurance Bureau of Canada (IBC) in Ontario if you are injured ... Do states require drivers to buy liability insurance? - No, not all states require you drivers to buy liability insurance, but a majority of them do. The common question is, How much car insurance do I have to buy? All 50 states have different requirements when it comes to liability auto insurance and minimum insurance requirements ... My husband got a ticket for no seat belt, we live in NYS. Is that points on your license? - According to the New York State DMV , if a driver is convicted of a violation where a passenger under age 16 is not wearing a seat belt or in a child safety seat, 3 points are assigned to the driver's record. If instead you are convicted of a seat belt violation just involving ... Copyright © 2008, SandyHay.com. All Rights Reserved. |