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	<title>All news about auto and life insurance, commercial and home insurance</title>
	<link>http://www.insurance-mj.com</link>
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	<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
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		<title>I hit a parked car and do not have insurance. The other person has uninsured motorist coverage. If he pays the deductible and gets his car fixed do I still have to pay their insurance company for the damages?</title>
		<link>http://www.insurance-mj.com/2008/09/23/i-hit-a-parked-car-and-do-not-have-insurance-the/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/i-hit-a-parked-car-and-do-not-have-insurance-the/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[State laws vary as do the guidelines of an insurance company however if the person that you hit uses their own insurance policy (makes a first party claim) to repair the damages to their vehicle than yes, normally the insurance company will subrogate with you for the monies they have paid out for the damages [...]]]></description>
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		<title>Why does your insurance go up $10.00 when you have not had any accidents, no tickets and no claims against the insurance company?</title>
		<link>http://www.insurance-mj.com/2008/09/23/why-does-your-insurance-go-up-1000-when-you-have/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/why-does-your-insurance-go-up-1000-when-you-have/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[If nothing about you has changed than likely the rates your insurance provider has filed with your state's insurance regulator have change and thus they have probably raised rates. Some states file new fees each year, too. For example, Florida has a Hurricane fee now that is tacked onto every policyholders premium. Sometimes you will [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/why-does-your-insurance-go-up-1000-when-you-have/feed/</wfw:commentRSS>
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		<title>How do I find out how many demerit points I have in Alberta?</title>
		<link>http://www.insurance-mj.com/2008/09/23/how-do-i-find-out-how-many-demerit-points-i-have/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/how-do-i-find-out-how-many-demerit-points-i-have/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[In Alberta, Canada demerit points are recorded against an operatorвЂ™s license for a variety of violations - from failing to remain at the scene of an accident that is worth 7 points to speeding by exceeding the posted limit by up to 15 km/h which is 2 points. 
In addition to the long list of [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/how-do-i-find-out-how-many-demerit-points-i-have/feed/</wfw:commentRSS>
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		<item>
		<title>With an international driving license can I register a car?</title>
		<link>http://www.insurance-mj.com/2008/09/23/with-an-international-driving-license-can-i-register/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/with-an-international-driving-license-can-i-register/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[State laws vary on if a driver's license (or insurance) is needed when you first buy and register a car. In some states the person or dealership selling the vehicle must verify the person is licensed and has insurance in order to give them possession of the vehicle and allow them to drive off in [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/with-an-international-driving-license-can-i-register/feed/</wfw:commentRSS>
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		<item>
		<title>If my vehicles windshield is cracked and I have Comprehensive and Collision, do I need to pay a deductible for replacement in Massachusetts?</title>
		<link>http://www.insurance-mj.com/2008/09/23/if-my-vehicles-windshield-is-cracked-and-i-have/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/if-my-vehicles-windshield-is-cracked-and-i-have/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[According to the Massachusetts Division of Insurance, if an object damages your windshield, you are covered for this loss if you have Comprehensive (OTC - Other Than Collision) coverage on your vehicle. 
The normal $300, $500 or $1000, or whatever you may have selected as your Comprehensive coverage deductible, does not apply to a glass [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/if-my-vehicles-windshield-is-cracked-and-i-have/feed/</wfw:commentRSS>
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		<title>If you have a NY license and were driving and got a ticket for unlicensed driver (and you do have a license but it was not on you) what is the penalty and does this carry points?</title>
		<link>http://www.insurance-mj.com/2008/09/23/if-you-have-a-ny-license-and-were-driving-and-got/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/if-you-have-a-ny-license-and-were-driving-and-got/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[If you do not have a valid driver license with you and you are stopped a law enforcement officer in New York can use this as a reason to issue a ticket for unlicensed operation (driving without a license). We have read that the traffic court or the Traffic Violations Bureau can dismiss the ticket [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/if-you-have-a-ny-license-and-were-driving-and-got/feed/</wfw:commentRSS>
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		<title>My car was parked in the parking lot where I live and the parking lot was flooded Sunday. My car retained water inside from this flood.I would like to know if I am covered for this?</title>
		<link>http://www.insurance-mj.com/2008/09/23/my-car-was-parked-in-the-parking-lot-where-i-live/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/my-car-was-parked-in-the-parking-lot-where-i-live/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[You will need to read through the terms of your auto insurance policy as well as discuss your particular situation with your car insurance agent however in general if you Comprehensive coverage on your vehicle than this type of physical damage coverage normally covers your vehicle for damages caused by something other than collision. 
Comprehensive [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/my-car-was-parked-in-the-parking-lot-where-i-live/feed/</wfw:commentRSS>
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		<title>I got a DUI recently in California. I don&#8217;t have insurance and my car&#8217;s registration had expired. How bad are the consequences going to be?</title>
		<link>http://www.insurance-mj.com/2008/09/23/i-got-a-dui-recently-in-california-i-dont-have-insurance/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/i-got-a-dui-recently-in-california-i-dont-have-insurance/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[You may want to obtain legal counsel for your situation since being cited and charged with driving under the influence (DUI), driving without insurance and having expired registration will likely add up to serious consequences for you in court. While we are not legal professionals we can give you information on the penalties that we [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/i-got-a-dui-recently-in-california-i-dont-have-insurance/feed/</wfw:commentRSS>
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		<title>One of your answers states - Many CarInsurance.com companies offer a Full Glass or 0 Glass Deductible option that is available instead of selecting a deductible when the windshield is broken or damaged.  Can you please tell me in what states these compani</title>
		<link>http://www.insurance-mj.com/2008/09/23/one-of-your-answers-states-many-carinsurancecom/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/one-of-your-answers-states-many-carinsurancecom/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[The answer you are referring to gives information first on states that waive the deductible for windshield and/or glass claims. As answered in that FAQ, there are only a few states in the US that waive the deductible for windshield replacements or repairs as a part of comprehensive coverage.
As you mentioned many CarInsurance.com companies in [...]]]></description>
		<wfw:commentRSS>http://www.insurance-mj.com/2008/09/23/one-of-your-answers-states-many-carinsurancecom/feed/</wfw:commentRSS>
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		<title>I received a speeding ticket (51 in a 35 which is 4 points). Do I need to report this to my insurance company?  The cop gave me the impression that I am not required to tell them and they may not even find out unless they run a decide to run a report on m</title>
		<link>http://www.insurance-mj.com/2008/09/23/i-received-a-speeding-ticket-51-in-a-35-which-is/</link>
		<comments>http://www.insurance-mj.com/2008/09/23/i-received-a-speeding-ticket-51-in-a-35-which-is/#comments</comments>
		<pubDate>Tue, 23 Sep 2008 17:45:16 +0000</pubDate>
		<dc:creator>andersen_mj</dc:creator>
		
		<category>Auto Insurance</category>

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		<description><![CDATA[The law enforcement officer is correct in that you normally do not need to call and report the ticket to your insurance company. Until you are actually convicted of the ticket it cannot be counted against you by the state or your insurance company.
If you are convicted of the ticket, which is usually done by [...]]]></description>
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