Google
 

Car was struck by another car who was a car jacker and police were chasing. Police shot and killed him and my insurance company said I have to pay my deductible. Is this correct? I was not at fault for this accident.

Yes, your deductible amount would normally be due if you are using your own insurance coverages to claim the damage to your vehicle. Fault has nothing to do with if a deductible is due usually. If your vehicle was hit by another car which was driven by a carjacker then you would make a claim through your collision coverage and thus owe the deductible associated with this physical coverage.

Since the car was stolen from the car owner they would
Read the rest of this entry »

My son will be attending college out of state (AZ). He has found a car in Arizona that he would like to buy. Can we keep the AZ registration for his car and still insure him under our California policy?

You will need to change over to Arizona insurance and not be able to place your son's AZ registered car on your California insurance policy. This is for a couple of reasons.

One is that your California insurance provider will not likely allow you to insure a car that is registered, driven and garaged out of state with your son. Since he is a college student though your CA insurance company may allow him and the car to be on your policy. Insurance
Read the rest of this entry »

Unfortunately 2008 has been a bad year for me. I am a resident in Minneapolis, MNI had a car accident in 1/08, which was not my mistake. In 4/08, I got 2 speeding tickets. Last week, when we were vacationing in PA,I got one more. What should I do now? I

Your license may be withdrawn by suspension, revocation, or cancellation.

You will need to contact the Minnesota Driver and Vehicles Services, a part of the Department of Public Safety (DPS) to find out if your license will be suspended or revoked due to the amount of violations you have on your MN record in a relatively short period of time. If your driving privileges are at risk then you may see if taking a driver improvement class will help
Read the rest of this entry »

My insurance cancels in two weeks however, had an accident last night. Will my insurance still cover the claim even though we are due to cancel with them in 2 weeks?

Just so you are aware of the differenceР’В between a non-renewal and cancellation of your car insurance policy, a nonrenewal occurs when an insurer decides not to renew your insurance coverages at the end of the policy's term. A cancellation occurs when an insurer decides to stop your coverage before the policy term ends or during the effective period of the policy.

As for your situation, as long as your auto insurance policy was in place at the
Read the rest of this entry »

I have minimum state coverage insurance (liability) on my car in New York state. The car was stolen. Does the insurance company compensate for the stolen car?

No, with only the minimum state coverages in New York your car is not covered by your auto insurer in any way if it is stolen. State minimum coverages do not cover your vehicle in anyway, you need physical damage coverages of collision and comprehensive on your car for it to be covered by your insurer.

New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property
Read the rest of this entry »

In Illinois for a second offense what is the fine for no auto insurance?

Illinois law requires all motor vehicles registered and operated in Illinois to be covered by liability insurance. One way this law is enforced is by a person being issued a traffic ticket and convicted in court for operating an uninsured vehicle. If convicted the Secretary of State for IL is informed and the license plates for the vehicle are suspended.

Illinois recently amended their laws (the Illinois Code) to make the penalties even harsher for those that are found to be driving without insurance.

Read the rest of this entry »

I just got my GDL 5 and I live in Calgary, Alberta and I was wondering if I can travel to the USA in about 3-4 weeks after just getting it?

A representative of the Office of Traffic Safety, a division of Alberta Transportation, told us that if you have a valid Class 5 probationary license, you can drive in other provinces and the United States under the same conditions set out in the Alberta Graduated Driver Licensing (GDL) program.

According to Service Alberta a Class GDL in Alberta Canada permits an operator to drive:

1)If you live in state of West Virginia are you required to have car insurance if you do not own a car? 2) If I have an 18 year old non relative in my household and he does not own a car, am I required to put him on my insurance if he has a license?

West Virginia law requires all registered vehicles to be insured. The minimum amount of coverage required is $20,000 for one accident, one injury, $40,000 for one accident, two or more injuries, and $10,000 for property damage. This is known as 20/40/10 coverage. All vehicle insurance policies must be issued by a company licensed to sell insurance in West Virginia.

So if you just have a driver's license and do not own a car you are not required
Read the rest of this entry »

How long does a wet reckless stay on your record for in California? Is it just like a DUI or better? Will a wet reckless come off after 7 years or is it also subject to the new law that passed?

As you are likely aware effective as ofР’В January 1, 2007, new California legislation went into place that extended the reporting period for DUI offenses from 7 to 10 years for all public requestors, including insurance companies.

Under the new law, any DUI violation under California Vehicle Code sections 23140, 23152, or 23153 will report for 10 years. There are some other non-DUI violations (e.g. 23103.5 “wet” reckless) that will report
Read the rest of this entry »

Can an officer impound your car because you fail to show proof that your car is insured?

It depends on state laws if your car can be impounded if you fail to show valid proof of insurance. There are several states that will impound your vehicle and make you responsible for the fees to pick it up, including storage fees if you wait to pick up the vehicle.

State laws differ for their penalties regarding the charge of driving without insurance however it is never advisable to drive even one day without the proper auto insurance on
Read the rest of this entry »