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Questions and Answers RSS FeedsI have liability, comprehensive, collision, and uninsured/ underinsured coverage on my car. If I have full coverage already, do I really need uninsured/underinsured coverage? If I get hit by a driver without insurance, won't my full coverage policy cover me anyway if I didn't have uninsured coverage? - If state laws do not require you to carry Uninsured/Underinsured Motorist you may not need to keep these coverages depending upon your situation. If your state requires you to have Uninsured and Underinsured Motorist (UM/UIM)coverages as part of the basic auto insurance poli ...Feed Source: www.carinsurance.com Who pays the deductible on a collision? - If your use your own Collision coverage for your vehicle than you pay the deductible associated with that portion of your auto insurance policy no matter if you are at fault in an accident or not. If you are not at fault than your insurance company may subrogate against the at ... I just recently had a car accident and I did not have insurance on my car. The car is not totaled but it is damaged pretty bad. The accident was not my fault. The other driver was not insured either. Will GAP cover my damages as a backup insurance? - No, your GAP insurance would not cover your damages as back up insurance. Gap insurance's purpose is to pay the difference (gap) between what an insurance company pays out for actual cash value (ACV) when a car is totaled out and the balance of your loan or lease. Without ... I received a speeding ticket in the state of New York, but my driver's license is out of Arkansas. I am currently in the military and do not wish to switch my license. I received a speeding ticket for going 82 in a 65, how many points does this add to my driving record? Also, how many points can you have on your record before your license get suspended? Do the tickets that I receive here in New York affect my points for suspension in Arkansas? - New York and Arkansas are both members of the Drivers License Compact (DLC) so if you are convicted of the speeding ticket you received in NYS the New York courts will report the traffic violation back to your home state of AR. Arkansas driving records are governed by Arkans ... What does suspension of registration mean? - When a person's registration is suspended it means the state has basically taken away their right to place the vehicle on the road until the registration is reinstated and once again valid. States all require you to register your car in order to obtain license plates and drive ... In Florida what are the penalties for driving without insurance and being involved in an accident that you were at-fault? - Florida's minimum coverage is $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as long as you have a valid Florida tag. According to the Florida Department of Highway Safety and Motor Vehicles ( HSMV ) they are authorized to suspend your driv ... If I total my vehicle and it is written up as an accident because of weather conditions and a small animal crossing in front of me, can I collect the mini tort from my own insurance company? - If you were at-fault in an accident than to be to repair your vehicle or be paid out actual cash value (ACV) for a total loss of the vehicle you would need Collision coverage as part of your Michigan auto insurance policy. The limited property damage liability, or mini-tort, ... I have a question regarding auto insurance points. My mother has had several accidents in the past 3 years and the car insurance company has decided to give her insurance points and cancel her policy. I think they have attributed 7 points to her. However, she does not have any motor vehicle points. Could you please provide some guidance here on what are the auto insurance points and if she could possible be insured by another carrier? Thank you. - Insurance points are given by an insurance company for various things such as traffic violations and accidents. So while your mother may not have been cited for the accidents the insurance company's points system is different than the DMV's so they can apply points for an acci ... I got a speeding ticket in Quebec but my drivers license is from British Columbia. Is there any sort of agreement between these two provinces? Will I get these points deducted? - We contacted the Insurance Corporation of British Columbia (ICBC), the licensing agency that keeps a driver's record in BC, to find out if they have agreements with Quebec and other Canadian provinces regarding moving violations being reported to them. The representative for ... I live in Vancouver, B.C. Got a speeding ticket in Washington state my speed exceeded 20 mph. Will I get points on my Canadian drivers licence? - From the best of our knowledge there is a reciprocal agreement between Washington State and British Columbia. Washington State notes in Revised Code of Washington (RCW) 46.23.020 that their Department of Licensing is authorized and encouraged to execute a reciprocal agreement ... In Oklahoma what are the auto insurance requirements? What if you are found without car insurance? - According to the Oklahoma Liability Insurance Law there is Compulsory Liability Insurance required in OK. All Oklahoma drivers and/or vehicle owners are required by law to carry the minimum limits of liability for this state: $25,000 for injury or death of one person $50,00 ... My windshield and passenger side window were broken by vandals. I have full glass insurance and want to know if this coverage also includes cleaning the glass out of my car? - You will need to read through your policy and speak to your agent to see if part of your full glass coverage includes cleaning your car of the broken glass shards. "Full glass coverage" typically pays the entire glass loss without applying a deductible. If you did not have ful ... If I don't have insurance and my friend or family member gives me permission to drive his or her car, am I covered by their insurance if I am in an accident? - Likely you would be covered by your friend's or family member's insurance policy if you borrowed their vehicle from time to time, however insurance policies differ and some have certain exclusions that may pertain to you so it is always advisable for the car owner to check thr ... When an unregistered car is hit (that drivers fault) by a registered and insured car, on a public road, does his insurance company have to pay for the repairs to the unregistered car? - State laws vary but in general if the person with the registered and insured vehicle is at-fault in the accident than yes, normally they will be held responsible and his insurance would accept a claim by the owner of the unregistered vehicle. While the car may have been illeg ... In Ontario, Canada I received a parking ticket (fire hydrant) however I have Texas plates. Can this show up on my Texas drivers record? - No, to the best of our knowledge a parking ticket from Ontario would not be placed on your Texas driving record. Ontario, Canada has reciprocal agreements with many states but these agreements may not include sharing traffic tickets for all motorists. Some agreements may only ... If I am no longer required to carry a SR-22 on my car insurance policy, because three years have passed since my license has been re-instated in the state of Washington, will the driving offense still show up on my three-year driving abstract through the state of Washington? - The Washington State Department of Licensing (DOL) maintains WA drivers? motor vehicle records. This state agency says that a driving record contains a history of violations, convictions, collisions, and departmental actions incurred by a driver over a period of time. A copy o ... My car was hit in a parking lot. The offending party's insurance said that my repair were higher in value than the estimated value of my vehicle so they wanted to call it a total loss and said if I wanted to keep my car it would be a salvage. Is there a formula or percentage used to determine total loss in the State of California? Could you tell me what that is? - Total loss is defined by the California Department of Insurance as damage or destruction to real or personal property to such extent that it cannot be rebuilt or repaired to its condition prior to the loss or when it would be cost prohibitive to repair or rebuild in comparison ... Are you covered under your liability insurance you hold for a car you trade or sale for a new vehicle for any amount of time (grace period) in Arkansas? If so how long? - In general if you trade in a car that is on your car insurance policy than the coverages that you had on the car you traded in would cover your new vehicle for a short period of time. State laws and insurance companies' policy terms and guidelines vary though so it is import ... When a policy renewal form asks the question: Has anyone in your household been involved in an accident, violation or claim within the past five years? Are they asking about everyone in the household, or just drivers named in the policy? - Insurance companies' guidelines, applications and renewal forms differ so you would need to contact your insurance agent about your insurance provider's specific renewal form to see what they are requiring you to list here, everyone in the household or just the drivers you curre ... I am visiting California until Feb. and just received a parking ticket for $75. I am registered in Florida. Do I still have to pay this ticket even though I am not a resident of this state? - Yes, even if you are not a resident of California the country, city, etc that issued you the parking ticket still expects you to pay the $75 fine associated with violating the law. While the penalties for not paying the parking ticket may not be as severe for you since you a ... Copyright © 2008, Selling on Ebay, Make Money on Ebay. All Rights Reserved. |