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Questions and Answers RSS FeedsI only have liability insurance. The new car dealership said that I have to pay extra in order for me to take the new car home. Is it true? - If you financed the new car by means of a lease or loan than it would appear the dealership was telling you that you needed to obtain full coverage on your vehicle which would cost more than your current insurance policy of just Liability coverage. The auto insurance covera ...Feed Source: www.carinsurance.com Can I still sell my car during the PNO (planned nonoperation)? I live in California. I have one more question. In California, the smog check is required to register autos. So, what happens when buyer needs to do smog check for a car which is during PNO? - In California some types of vehicles do not require insurance. These include off-road vehicles, trailers, special equipment vehicles, and those registered as PNO (planned nonoperation). The CA DMV states that if it is time to renew the registration for a vehicle that you do no ... In Washington state, if a vehicle is not insured, who gets the ticket - the registered owner (responsible for the insurance) or the driver (who assumed the car was insured)? - Washington State law requires anyone driving a motor vehicle in their state to have an insurance Liability policy, a certificate of deposit, or a liability bond to the required limits. If you have 26 or more vehicles, you may self-insure. You have to have insuran ... My son is 16 1/2 and has his NYS junior license. Can he drive in Pa and NJ? We live right on the border of both states and frequent towns in those states. Is the rule really just up to his insurance company or do the other states have a law? - According to the New York new driver's brochure, a motorist with a learner's permit, junior permit or junior license may drive outside of New York State if it is allowable by the laws of the other state(s). If you drive out of New York, you must obey that state's learner ... In Tennessee, what are the penalties for driving without insurance? - According to the TN Department of Safety failure to show proof of financial responsibility is a Class C misdemeanor. This type of offense comes with a penalty of a fine of not more than $100. Once the state is notified of a conviction for this offense the Department of Safety ... In California, is not wearing your seatbelt properly the same as no seat belt? If they are different infracations, I was not wearing my seat belt properly and the office wrote up the ticket as no seat belt, I signed the ticket and noticed it later. If there is a diffence between not wearing and wearing improperly? Should I try to have it changed or take my lumps, pay it and move on? Just wondering. - Yes, in California (as in most states) not wearing your seat belt properly is the same offense as not wearing a seat belt at all and thus you are cited for that traffic violation. The California Highway Patrol (CHP) notes that a person be cited for detaching the shoulder ... If I get a parking ticket (expired meter) while using someone else's car, will it show on their record (the car owners record) or on mine or none at all? - In most states non-moving tickets such as parking tickets that are paid are not placed on anyone's driving record. In states where parking tickets are recorded on a motor vehicle record, it would be that of the car owner's since the citation is written out to the car. Park ... Can you have full coverage insurance on a car that is ten years old if it is not a classic car or show car? - Yes, you can have full coverage (meaning Liability coverage plus physical damage coverages of Collision and Comprehensive) on a car that is 10 years or older when the vehicle is not considered a classic or show car. If you did have a classic or show car than you actually would n ... I just got my learner's permit in the state of West Virginia, when I visit my aunt in North Carolina, will I be able to drive with her in the car? - Yes, it is our understanding you can drive your aunt's car in North Carolina with your West Virginia learner's permit as long as you follow your permit's restrictions. Your aunt of course should check with her insurance company to make sure you would be covered to drive her car ... Who runs the MCCA in Michigan? - As you are likely aware Michigan is the only state that offers unlimited Personal Injury Protection (PIP) benefits. These benefits are offered through no-fault auto insurance policies. The Michigan Catastrophic Claims Association (MCCA) was created by the legislature as a me ... How many, if any at all, points are removed from your driving record each year in British Columbia. And at what point in the year are the demerits removed? - When you receive a violation ticket in British Columbia , the offense and any associated points becomes part of your driving record for five years according to the Insurance Corporation of British Columbia (ICBC). As far as being charged for points or offenses on your rec ... My car was just hit a few weeks back and now its in the shop. I was given a rental but it does not accommodate my family. My question is should the insurance pay for a car similar to the one I own, same size? - Typically there is a standard amount the insurance company will pay per day or per week for the rental car you are using while your vehicle is being repaired and thus it may be that you cannot rent one of the same size as the vehicle that was damaged. State laws differ so it m ... I live in Oklahoma and I have a car that is not being driven at the current time, I am going to try and sell. Is there a minimum insurance I can get instead of the liability insurance I currently have? - Oklahoma has strict laws about having valid auto Liability insurance. All Oklahoma drivers and/or vehicle owners are required by law to carry the minimum limits of Liability for this state. Liability means that as a driver, you are legally and financially responsible for injur ... In Pennsylvania how long does a traffic citation stay on your driving record? - According to the Pennsylvania Department of Transportation (PennDOT) violations are not removed from your record; however, if someone requests your driver history, it will only appear if the violation occurred during the time frame of the driver record requested. PennDOT issue ... How do insurance companies determine what your down payment will be of if there will be a down payment required at all? - An auto insurance premium is the cost of your entire period of insurance, usually 6 or 12 months. A down payment typically covers one or more months of premium along with any other fees and / or costs associated with processing your policy. So a down payment is a portion of your ... If you get a speeding ticket in VA but are a Maryland resident do you get the amount of points under the VA system of the MD system? For instance, this speeding ticket in VA is worth 4 points but the same infraction in MD woulds only be worth 2 points. How many points as a MD resident would I receive? - If Maryland did assess you points for this out of state speeding ticket it would be according to their own points schedule and not Virginia's points list. Our understanding though is that MD will not assign you points for the VA speeding ticket. Virginia and your home stat ... If someone doesn't drive after dark, do they get a discount? - We are not currently aware of any insurance company that offers a discount based upon if you have stopped driving after dark specifically. Discounts for auto insurance are normally for items that can be proved such as the safety equipment on your vehicle, the theft deterrent ( ... I got a speeding ticket in Idaho, but I live in Illinois. Will this reflect in my MVR, and is there a way to reduce the impact? - The state which you received your speeding ticket in, Idaho, and your home state of Illinois are both members of the Drivers License Compact (DLC). This means that the ID courts or DMV will report to the Illinois Secretary of State Driver's Services division this speeding violat ... We live in Tennessee. My husband and I were in an accident. The other driver was found to be at fault. We did not have any insurance at all when the accident occurred. The other driver has liability insurance. Is their insurance company responsible for damages to our vehicle? - Yes, you should be able to make a third party claim against the at-fault party's Property Damage Liability coverage even though you were driving without insurance when the accident occurred in Tennessee. Tennessee's financial responsibility (FR) law requires drivers to pr ... If I have my G2 and its after midnight and I have more than 1 person in the car what happens if I get pulled over by a cop. Do I just get a ticket or does my license get suspended? - In Ontario, Canada when a new driver has completed the G1 road test and progressed in their driving skills so that they can obtain their G2 license there are less restrictions placed on the driver. While there are still some restrictions in place at this level, the driver has ... Copyright © 2010, Selling on Ebay, Make Money on Ebay. All Rights Reserved. |