Automobile Insurance Cancellation Ohio OH

Reader’s Question:

I am a new driver. I admit that there are a lot of things that I need to know about auto insurance in Ohio. I am quite confused with car insurance right now. One of the things that bugs me is the cancellation of car insurance. How does car insurance get cancelled in Ohio?

Armand

Parma, OH

There are several reasons on how auto insurance policy gets cancelled in Ohio. You must remember that for the first 89 days of purchasing your car insurance policy, your auto insurance company can cancel it for any reasons, let’s just say for almost any reason.

However, once you’ve reached the 90-day period, meaning you have purchased your car insurance policy for 90 days, your car insurance policy is protected. Your policy cannot be canceled by your car insurance company within the two-year period except for the following reasons:

First, giving misinformation when applying for the policy;
Second, your driver’s licensed is revoked or suspended;
Third, filing untruthful claims; and
Fourth, failing to pay your car insurance premium.

If you have additional questions about auto insurance cancellation in Ohio, always remember you can also ask your car insurance agent or even the Ohio Department of Insurance.

Tags: auto insurance, car insurance law, car insurance online

 

 

Automobile Insurance Coverage Maryland MD

Reader’s Question:

I am expected to give birth to a baby girl this January. It’s out first baby and everybody in the family is so excited about it. My husband and I are planning on everything and making sure that our angel will get the best in life. I just need a little advice regarding auto insurance policy. Now that we’re adding a new baby in the family what are the things that we should consider now? Are there things that should be changed regarding our car insurance policy? Before I forgot, we are from Maryland.

Jean

Silver Spring, MD

Congratulations Jean! I hope you’ll have a healthy baby girl!

As to your question, let me just give you three simple steps that I’ve read from the Maryland Insurance Administration (MIA) regarding auto insurance polices for families who are just starting:

First, you have the option to increase your liability coverage. The reason is simple, your family is increasing and thus, the risk for accidents also increases;

Second, since you are starting a family, it’s given that your assets are also increasing, thus it’s also advisable for you to get umbrella policy. This would back you up in an event that you are involved in an accident and the liability coverage you have is not enough to cover the other party’s damages. The umbrella policy would kick in by protecting your assets like vehicle and house which the other party may go after to collect the claim.

Third, since you’re married and assuming you haven’t merged your auto insurance policy yet with your husband, then I would advise you do so. By doing this you would save on your car insurance premium.

If you have more questions about car insurance in Maryland you can always ask your auto insurance agent or even the MD Insurance Administration.

Tags: auto insurance, car insurance online, car insurance tips

Car Insurance Rate Alabama AL

Reader’s Question:

I heard from a friend that getting a citation would increase my auto insurance rate in Alabama. Another friend also told me that getting a traffic ticket would also increase my auto insurance premium. I am just curios and also confused. What is the difference between citation and ticket? Between the two, which would affect my car insurance rate more?

Elias

Decatur, AL

Well, the two are just the same. It is normally used interchangeably which I normally do.

But just to give you a clearer idea I researched on the exact definition of these two and found that citation is defined as a legal document that is issued either by the court or of an administrative office of the government.

On the other hand, ticket (or traffic ticket to be more exact) is a citation that is used and issued by the law enforcing officers to drivers who violated traffic rules.

And since you’ve mentioned that your friend told you that getting a citation or traffic ticket would increase your auto insurance rate in Alabama that still depends on the traffic violation and to your car insurance company.

First, let me be clear this by saying that a ticket or citation would only reflect on your record if you were found guilty of it or is convicted of it. So as long as it’s not on your record your auto insurance company would not find about it. Next, let’s say you were convicted of the said violation, now it depends to your auto insurance company on how they will take evaluate this matter.

Every car insurance company uses different guidelines in setting auto insurance premium. Normally, if it’s a first time minor traffic violation, insurers “forgive” its policyholders and will opt not to increase the rates. However, this is a case to case basis. I would suggest asking your car insurance agent in Alabama for clarification on this matter. I hope I was able to help you with your question. Cheers!

Tags: auto insurance, car insurance rate, car insurance tips

Suspending Military Auto Insurance Maryland MD

Reader’s Question:

I have a boyfriend who is serving the military. He would be stationed in another country for several months. He has a car here in Maryland that is registered and also insured. What’s the best thing to do with his car insurance policy? Is it advisable to keep paying on his auto insurance premium? Because I think it’s not practical to do that. The reason is no one is going to use his car. We’re thinking of saving on his auto insurance bills while he’s away. Do you think that’s possible?

Anna

Ellicott City, MD

From what I’ve read from the Maryland Insurance Administration (MIA), your boyfriend who is serving the military may opt to suspend his auto insurance coverage if he is deployed in another place. This suspension may be applicable to suspending the full coverage or just partial coverage. This is usually done to save on auto insurance premium payments. However, you must be sure first that no one is going to use the vehicle. And also since your boyfriend is with the military service, he could suspend his car insurance policy and have it reactivated once he returned. He could do this without any penalties at all. This is provided that the reason he is going to suspend his policy is because he is assigned in another country and would be required to stay in that country for a long time.

For more information on how your boyfriend can suspend his car insurance policy, do check with his car insurance agent in Maryland as soon as possible.

Tags: auto insurance, car insurance online, car insurance tips, military insurance

Lower Auto Insurance Rate Arizona AZ

Reader’s Question:

My husband just lost his job. I have two teen daughters who are both studying. Things are not doing very well for my family. I must say this is the worst year we ever had. I’m having so much problem making ends meet. Bills keep coming up and unpaid bills keep pilling up. Both my teen daughters are under my auto insurance policy and that only makes matter worse. Having two teen daughters just make my auto insurance rate to go up. Can you give me some tips on how I can lower my auto insurance rate in Arizona? I really need all the tips on how to save on my car insurance premium.

Millie

Glendale, AZ

I’m sorry to hear that. I hope your husband would get another job the soonest possible time.

As to your question, I heard from my uncle (who is an auto insurance agent himself here in Arizona) that there are several discounts that auto insurance companies offer. These discounts are:

• If you’re a good driver and is not involved in any accidents;
• If you get insurance both for your home and vehicle under the same insurance company;
• If you have several vehicles under your auto insurance policy;
• If your teen daughters are getting good grades;
• If no one smokes in your household; and
• If you have safety features in your car like automatic seat belts, airbags, etc.

In addition, increasing your deductibles for collision and comprehensive coverages would also decrease your auto insurance premium. Ask you car insurance agent now in Arizona to see if you could avail of those discounts.

Tags: car insurance rate, cheap car insurance, good driver discount, teen car insurance

No-Fault Car Insurance Florida FL

Reader’s Question:

I just moved to Florida and know nothing about car insurance here. Can someone explain it to me briefly, please?

Bridget

St. Petersburg, FL

Hello, Bridget. I welcome you and your family to the Sunshine State. You will definitely love it here, that I can guarantee you. And you are asking about Florida car insurance? Well, here is my two cents’ worth.

One important thing about car insurance in Florida that you must know is that it is one of the 12 no-fault states, meaning your car insurance provider pays for your expenses up to a certain degree whether or not you are at fault. However, a no-fault system strips you of your right to sue the liable party. So, it is best that you get the car insurance coverage that could protect you fully.

Under the law of the state of Florida, a motorist must have a Personal Injury Protection, or PIP, as well as Property Damage Liability, with both liabilities having a $10,000 minimum limit. Personal Injury Protection covers the medical expenses that both you and your passengers might incur in the event of an accident, while Property Damage Liability covers your expenses on property damages caused by the accident. What is nice about the no-fault system is that you no longer have to get coverage for Uninsured or Underinsured Motorist Bodily Injury. Since you are new to this place, check the online quotes just to have an idea.

 

 

Tags: auto insurance, auto insurance coverage, auto insurance online, car insurance, car insurance quotes

 

Vehicle Insurance Rate Pennsylvania PA

Reader’s Question:

Hi I’m from Pennsylvania. My license is suspended because of underage drinking. How will this affect my vehicle insurance rates? I already informed my insurance provider but I still have not received any notification about any rate increase of policy cancellation.

Melanie

Pittsburgh, PA

A driver who is impaired carries a great risk to insurance companies. Thus, alcohol offense or driving a vehicle under the influence of alcohol is a serious concern for insurance providers. If you would like to know if this offense will increase your insurance premium, or the insurance company will cancel your policy once they find out this offense from your motor vehicle record or MVR and the suspended license, you should check with your Pennsylvania insurance agent.

Aside from these, your insurance agent can also provide information on the rating system of the insurance company, and whether the underage drinking offense will or will not affect your policy. The Pennsylvania Department of Insurance can also provide information on how the offense will affect your policy.

 

Tags: car insurance rate, teen insurance, Young driver car insurance

Buy Auto Insurance Mississippi MS

Reader’s Question:

I am planning to purchase car insurance in Mississippi. Any tips you can give me? I really need some help. Thanks in advance!

Kelly

Gulfport, MS

Hi there Kelly!

According to Mississippi Insurance Department, you can purchase auto insurance in three ways:

First, through internet and phone, which means directly to the car insurance company itself;
Second, through an independent auto insurance agent which represents different car insurance companies; and
Third, through a captive agent, who represents just one auto insurance company.

It is strongly recommended that you get auto insurance quotes from different auto insurance companies. By doing this, you’ll be able to compare auto insurance rates. In addition, be aware of the discounts that insurers offer. There are different discounts like for example if you have several vehicles and have it insured under one auto insurance company, if you work as a farmer, if you’re a student with good grades, and a lot more.

Also bear in mind that you could also qualify for a discount if you have car safety features installed in your car like anti-theft devices, air bags etc. In general, you can get as much as 5% discount for having these devices.

If you are planning to enroll in a defensive driving class then do so. Because by doing this you can get a discount on your collision and liability premiums. This also applies if you are a young driver who took driving school class. On the other hand, if you’re 55 years old and above, you still can get car insurance discount provided that you’ve enrolled and passed driving course for mature drivers.

For more information on auto insurance, feel free to ask your car insurance agent. You can also start looking for auto insurance quotes in Mississippi by using the websites now.

Tags: auto insurance, car insurance online, car insurance tips, cheap car insurance

Cost Of Car Insurance Oklahoma OK

Reader’s Question:

My husband accidentally ran over a neighbor’s fence here in Tulsa, Oklahoma, and they are now asking us to pay for the damage cost. Will this be covered by our auto insurance?

Emma

Tulsa, OK

For as long as the total costs of repairing your neighbor’s damaged fence does not go beyond $25,000, it should be covered by your husband’s vehicle insurance. Whatever auto insurance your husband may have gotten for his vehicle, it’s pretty certain that he would have property damage liability of at least $25,000 since this is one of the minimum auto insurance requirements for vehicle registration in Tulsa, Oklahoma. This means that the cost of repairs and replacements for any property damage incurred from a vehicular accident where your husband was at fault will be covered for by his insurance company, with a maximum limit of $25,000.

In case the costs of the damage go beyond that, you will need to check your husband’s auto insurance policy to verify the maximum limit of his property damage liability. Property damage liability, however, does not cover any property damage that may have been done to your husband’s car due to his own negligence. It only provides insurance coverage for your husband’s financial liability to another person due to property damages caused by an accident where your husband was at fault. There is also a possibility that after the damage has been properly covered by your husband’s insurance company, his premium payments for the insurance policy may increase shortly after the accident.

 

Tags: auto insurance, car insurance

Car Insurance Policy Louisiana LA

Reader’s Question:

My insurance policy was canceled just this week because I was having problems making the payments. Does that really mean I can’t drive at all until I get another drivers license? Is there no grace period for people like me? I come from Louisiana by the way. What are the rules around here?

Susan

Lafayette, LA

The law varies in every state, I believe. I hate to be the bearer of bad news but in Louisiana, the state allows you only 10 days to get a new insurance policy. Fines as much as $225 await those who fail to do so. And until then, you can renew neither your registration nor your license. You had better talk to people from the Motor Vehicle Reinstatement Office there in Louisiana about this.

It is also important that you be driving around with a liability insurance at the very least. You are required by the state to bring proof of insurance every time you take your car out of the driveway. Otherwise, your vehicle will be impounded and your license plate will be confiscated. Furthermore, failure to show proof that you do have insurance coverage within three days would mean you have to register your vehicle all over again.

Obviously, the state of Louisiana is pretty strict when it comes to vehicle owners’ having liability insurance. If I were you, I wouldn’t risk getting caught driving without one. It’s just not worth the trouble. You should find the time to sort out your auto insurance problems as soon as you can. Only then can you get back on the road.

 

Tags: auto insurance, car insurance

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