Classic Car Insurance Jersey City New Jersey NJ

  Auto Life Motorcycle Home Life Health

Reader’s Question:

How can I be sure that I choose the right insurance for my classic car from different car insurance companies in Jersey City, New Jersey?

Martin

Jersey City, NJ

If you own a classic car, you need a special car insurance policy called classic auto insurance. There are specialized insurance companies that can help you determine the amount of insurance you need since it is their business to insure classic cars. These companies should know what you need to protect your classic car.

Some of the different classic car insurance coverage that must be offered are:

• Classic car insurance has different mileage plans from the 1,000, 3,000, and 5,000 miles per year programs. Your insurance policy will indicate the number of miles that you drive your classic car.
• Classic car insurance company has no vehicle age limitations. Most collectible insurance carriers do have an age limit added to their insurance policies.
• Classic car insurance will insure all kinds of collectible vehicles. Many collectors have several vehicles to insure; antiques, street rods, race car’s, replicas, so they have special car insurance needs. The good news is that if you do have a special need, classic car insurance can find the right coverage and policy for you.

Contact a classic car insurance provider in Jersey City New Jersey to find out if their policies and coverage are right for you. You can request a classic auto insurance quote online, or you can visit their website and find an agent in your area. Make sure that they can offer you different coverage and policies to meet your unique insurance needs.

 

Tags: auto insurance

Auto Insurance Company St Paul Minnesota MN

  Auto Life Motorcycle Home Life Health

Reader’s Question:

How do I decide which antique car insurance company to choose in St Paul Minnesota?

Olive

St Paul, MN

There are many insurance companies available in St. Paul Minnesota that offer car insurance for antique cars. While the basic reason of getting car insurance for an antique car is the same for all car insurance companies, how they sell the policies, price the coverage and react to customer claims should appeal to you as a consumer. Car insurance for an antique car must be licensed in the state in which they do business and not all will be available in every state. Depending on an area’s history of claims due to theft, weather-related losses and driving reputation, an insurance company may decide not to do business in a particular city of a state. Although there are some regulations concerning a company’s ability to only service certain areas, these companies lean to focus in antique car insurance and will not cover any other types of cars.

There are also many insurance companies offered to owners of classic cars. These car insurance companies tend to specialize in classic car insurance and will not insure any other types of cars. Some of these independent car insurance companies will only insure a particular type of classic car, so if the car you are attempting to insure is a rare one, if may be difficult to find an insurance provider that will insure it. When choosing an independent car insurance company to provide insurance for a classic car, be sure that the company has a reputable name. You do not want to find that after months of paying the insurance premiums that the company refuses or is unable to pay your insurance claim.

 

Tags: auto insurance claims, car insurance

Auto Insurance Boca Ciega Florida FL

  Auto Life Motorcycle Home Life Health

Reader’s Question:

What is going to happen if I do not have medical insurance and get into an accident in Boca Ciega Florida?

Simmons

Boca Ciega, FL

If you do not have your own health insurance nor get medical payments coverage and were to be found at fault in a crash and were injured due to the accident, you would then be personally liable for all medical treatment you are billed for.

If instead you were not at fault in a crash then you would get medical treatment as an uninsured and make a third party claim for injuries from the at fault driver. If the third party claim is fully accepted by the at fault driver’s car insurance company then you would seek a settlement for your medical fees.

If the at fault party’s insurance provider did not fully accept your claim for damages and injuries then you would likely need to go through litigation and the courts to resolve your claim expenses.

 

Tags: auto insurance

Driving Without Insurance Kentucky KY

  Auto Life Motorcycle Home Life Health

Reader’s Question:

How much would the penalty be for driving without auto insurance in Owensboro KY? This is my first violation.

Jack

Owensboro, KY

The penalties for driving without insurance in KY can be quite severe. For a 1st offense you are caught, you will be required to go to court and can be fined between $500 up to $1000 or be imprisoned for not more than ninety days or both.

In addition, your Kentucky license plates and motor vehicle registration can be suspended for 1 year or until proof of insurance is provided. It is likely also that you would lose your license for up to 1 year.

To get more information try contacting the Kentucky Transportation Cabinet or if you were cited for this violation you can contact the court listed on the ticket.

 

Tags: auto insurance, driving without insurance

Car Insurance Points Fort Collins, Colorado CO

  Auto Life Motorcycle Home Life Health

Reader’s Question:

How long does a traffic citation remain on your driving record in Fort Collins, Colorado?

Kelly

Fort Collins, CO

Driving records provided by the Colorado Division of Motor Vehicles reflect activity that has been retained for the last 7 years.

Driving records are for 7 years and cannot be limited to show any time period less than 7 years. The Colorado DMV records are maintained in accordance with State and Federal law, which includes the requirements of the Federal Trade Commission and the Fair Credit Reporting Act.

To get more information on this issue or to request a copy of your driving record in Fort Collins, Colorado contact the Colorado DMV.

 

Tags: auto insurance

Homeowners Insurance Hartford, Connecticut CT

  Auto Life Motorcycle Home Life Health

Reader’s Question:

I have a full coverage and I would like to know if items in the vehicle, like my personal laptop if it gets stolen?

John

Hartford, CT

Typically comprehensive coverage covers your vehicle if it is stolen but not personal items stolen out of the vehicle. Some insurance policies may cover items that were attached to the car, such as the original radio however you would need to speak to your car insurance agent and claims adjuster to check if this would covered or not.

Personal items, such as laptop are likely covered under your renters or homeowners insurance policy if you have such a policy in effect. You may contact the car insurance agent in Hartford, CT that you have that coverage through to check what you need to do to make a claim with them. You will likely need to be prepared with receipts and descriptions for all the items so that you can be properly reimbursed.

 

Tags: homeowners insurance

International Drivers License Coral Springs FL

  Auto Life Motorcycle Home Life Health

Reader’s Question:

I am insured to drive my friend’s vehicle here in Coral Springs, Florida. I am living in Florida for a year, do I still need a FL license to drive the vehicle or can I use my drivers license in UK?

John

Coral Springs, FL

If your friend’s insurance provider will insure you with your UK license and does not require you to get a state, FL, license then you should be fine to drive your friend’s car. Most insurance providers though require that a foreign license be replaced by a State license from the state in which you are living.

To get more information on Florida statutes regarding international or foreign licensed drivers verify with the Florida HSMV. Your friend in Coral Springs, Florida should also verify with his or her insurance provider to make sure you will be covered with your UK license and will not be required to obtain a Florida license to be properly covered by them.

 

Tags: auto insurance

Car Dealership Insurance Austin Texas TX

  Auto Life Motorcycle Home Life Health

Reader’s Question:

Is it required to show proof of auto insurance when leaving a vehicle from dealerships lot?

Danna

Austin, TX

Whether or not it is required to show proof of car insurance when leaving a vehicle dealership lot will depend upon state laws as well as the own guidelines of dealers.

Some dealer’s in Austin Texas may mandate that an individual show proof of car insurance when leaving with the vehicle they bought to lessen any perceived liability. Other factor may be if you financed the vehicle through the dealership. If you did so then it is possible they will require you to get car insurance before taking ownership of the vehicle.

Your Texas insurance regulatory body may be able to tell you if the state requires that dealers see proof of insurance before permitting an individual to leave the lot with the vehicle.

 

Tags: auto insurance, car dealers

SR22 Auto Insurance Bakersfield, California CA

  Auto Life Motorcycle Home Life Health

Reader’s Question:

How long do you have to maintain an SR22 in the state of Bakersfield, California?

Tom

Bakersfield, CA

There are a different reasons as to why an SR 22 may be required in Bakersfield, California and the amount of time one is required to carry this financial responsibility certificate may differ as well.

For instance when your license is suspended under the California Financial Responsibility Law due to an uninsured accident you can request a non-commercial restricted license. According to California DMV One of the requirements to get this license is to file a California Insurance Proof Certificate or SR-22 and keep it on file for a total of four years from the suspension effective date.

For other reinstatements of your license after a revocation or suspension you must carry the SR22 for only three years.

 

Tags: auto insurance, sr22 insurance

Car Insurance Edison, New Jersey NJ

  Auto Life Motorcycle Home Life Health

Reader’s Question:

What will happen to my license if I don’t have auto insurance in Edison, New Jersey? This is my second offense.

Marge

Edison, NJ

Driving without liability insurance or not being able to show proof of car insurance when requested is a serious violation with severe penalties in New Jersey. According to the NJ Motor Vehicle Commission a ticket for this offense of the New Jersey law may result in community service, suspension of license, fines and surcharges.

A second violation comes with penalties of a mandatory jail sentence of fourteen days, a fine up to $5000, 30 days community service and a suspension of license for two years or more.

If you were cited for driving without insurance in Edison, New Jersey, you may want to call the courts on the ticket to find out what exact penalties you will be facing.

 

Tags: auto insurance, driving without insurance, traffic violation

« Previous Page — Next Page »