Driving without Auto Insurance Minnesota MN

Reader’s Question:

I have a 17-year old nephew. I heard that he was caught driving without auto insurance. For being a minor, what possible penalties will he be facing with that kind of violation? Will the law be more lenient considering that he is still considered a minor? Or is it just the same? Will he be punished like an adult individual?

Fe

Eden Prairie, MN

I am not so sure if there is a different penalty for a minor being caught driving without car insurance. But from my own opinion, I don’t think there is. To be sure, please do check with the Minnesota Department of Motor Vehicles.

Going back to your question, given that there is no difference whether a minor or an adult is driving without car insurance the punishment includes having the driving privileges of your nephew revoked or suspended and he even has to pay for some fines. However, if your nephew has indeed auto insurance at the time that he was caught driving but he only failed to show it, then he can have the charge dismissed provided that he can prove that there is an existing car insurance at the time that he was cited.

I do hope all will be ok. Just don’t forget to remind your nephew to drive safely and always make sure that he has car insurance.

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

Car Insurance and Medical Expenses Delaware DE

Reader’s Question:

If I have caused an accident here in Delaware, will my car insurance company pay for my medical expenses?

Michael

Wilmington, DE

Since the State of Delaware observes the no-fault act, then yes, your medical expenses will be covered by your car insurance company if you cause an accident. This means that you should have the minimum no-fault insurance or Personal Injury Protection (PIP) of fifteen thousand dollars that pays for medical care and rehabilitation for one person, or up to thirty thousand dollars for medical care for all persons in the car. Also included is an amount up to five thousand for funeral expenses. PIP also provides you and the other passengers with financial assistance due to lost wages.

However, a policyholder will be denied of no-fault insurance benefits if found to be driving under the influence of alcohol or any other controlled substance that contributed to the accident. Also, if he or she is found to have intentionally caused the injuries, then he or she will definitely be denied car insurance coverage. Riding or operating an all terrain vehicle (ATV) or a motorcycle is another reason for denial of benefits. However, a pedestrian struck by an ATV or motorcycle is covered. Policyholders who were injured in a car accident while committing a felony will also be ineligible for financial assistance. Likewise, driving a stolen vehicle will merit negative points and will surely be denied no-fault insurance by the company.

Tags: DUI, liability insurance, no-fault

Bodily Injury Insurance Coverage Nebraska NE

Reader’s Question:

I will be buying my first car soon. And I’m doing a lot of shopping for my auto insurance. I’ve got one big question in my mind now. How much bodily injury coverage do I really need in Nebraska? What are the things that I need to consider in setting the limits for that coverage?

Tammy

Omaha, NE

Hi Tammy!

I totally understand where you’re coming from. I know it’s quite confusing when it comes to buying auto insurance for the first time. But you don’t have to worry, help is here.

Let me first define what bodily injury coverage is. If you get involved in an accident, this kind of auto insurance coverage backs you up in the way that it provides coverage for bodily injuries suffered by the other party involved. In addition, this may also give you support for legal assistance that you may need if the other party decided to sue you.

First thing you need to consider in setting your liability limits is what does the state of Nebraska require? The required minimum liability limits in your state is 25/50/25. This means minimum limits of $25,000 for one person/ accident; $50,000 for all injuries/accident; and $25,000 to cover damages to property.

Now that you are aware of the minimum requirements, you know that you cannot go below those limits. The next question is how much do you have to pay? Only you can answer that. But let me give you some tips that you need to consider. If you chose to have limits that are low, remember that you may be putting your own self (or your loved ones under your policy) in a financial risk. If you get involved in an accident and the damage are way beyond your limits, you have no choice but to pay for the damages from your own pockets. If you do not have enough savings, then you may find yourself in a situation of liquidating your properties just to make ends meet.

I hope I was able to give you some insights. Also, don’t forget to seek the help of your car insurance agent in Nebraska. And do drive safely all the time.

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

Affordable Business Car Insurance Texas TX

Reader’s Question:

Hi! I am on the wool making business in Texas. I noticed that business is booming and I have trouble getting stuff delivered from different places. So I plan to get a new or 2nd hand pick-up truck. This is my first time to buy a vehicle and I don’t know the ins and outs of this insurance thingie.

Ernie

Houston TX

There are ways to search for an affordable car insurance rate in Texas. It is necessary to shop around and it wont be too difficult to achieve. First thing you need to know are the terminologies used by auto insurance companies. There are a lot of websites that will help you define terms such as deductible, liability, coverage, policy and many more. Being knowledgeable about these terminologies will surely provide you a lot of help on finding an affordable auto insurance company. Once you get the hang of these terms, you’d be able to understand what the coverage or policies are talking about. Next on the list is to check what types of coverage auto insurance agencies are offering. Mark the ones that are only needed. After that, get the list of the quotes from the list of auto insurance company that you plan to choose. Chances are, you almost narrowed down the number of auto insurance company on your list. Take some more time on finding similarities in coverage and differences in rates and you’ll be able to notice which company is offering the lowest.

To save more on insurance rates, ask about discounts. Most auto insurance companies give discounts on person who have good grades (if you’re still a student) or your age (yes, age matters when acquiring an insurance quote). Inquire also if they are offering multi-policy to be able to get more coverage thus saving you more money.

 

Tags: auto insurance, cheap auto insurance

Cancellation Period for Automotive Insurance Policies Wisconsin, WI

Reader’s Question:

When can an auto insurance company here in Wisconsin cancel an automotive insurance policy?

Sharon

Milwaukee, WI

Auto insurance companies normally cancel new policies within sixty days upon the signing of the contract. They may give you the reason for the cancellation if you request for it; however, it is not a compulsory action for them. A cancellation is also possible, even after the sixty-day period, if you do not pay the premiums when they are due. Also, your auto insurance policy may be cancelled if you are found guilty of a fraudulent claim. If the auto insurance company cancels your policy for the said reasons, you will be given a ten-day notice before the cancellation takes effect. This notice will come in the form of a mail.

If you are renewing your auto insurance policy, you may also face the possibility of nonrenewal. Auto insurance companies use varying measures in evaluating auto insurance policies. If the insurance company decides not to renew your policy, it should send you a notice, detailing the reasons for the nonrenewal, sixty days before your policy expires. This should give you enough time to find another auto insurance company who would accept your auto insurance application.

If you cannot find an auto insurance company who would want to give you coverage for your vehicle, you could still be insured by getting the Wisconsin Automobile Insurance Plan. Contact any licensed property and casualty insurance agent to know more about this.

Tags: auto insurance, auto insurance policy, auto insurance premium, Car Insurance Company

Uninsured/Underinsured Motorist Coverage Arkansas AR

Reader’s Question:

I’ve been reading a lot about vehicular accidents that involved drivers who do not have auto insurance policy at all or do not have enough car insurance coverage. I am afraid to be involved in an accident with those kinds of driver. Although, I know that in Arkansas it is required to maintain auto insurance on all of the registered vehicles, I still cannot convince myself that it’s enough to protect me from those drivers. Ca you help me with my problem? What should I do?

Liana

Forth Smith, AR

I exactly understand where you are coming from. Given the statistics of the rising uninsured drivers nowadays, I can’t help but to worry also for my security. Good thing I discovered something that gave me the peace of mind that I need. And that’s for purchasing uninsured/underinsured motorists coverage.

This type of auto insurance coverage is being offered in Arkansas but is not required. Therefore, it is considered an optional coverage. Having the uninsured/underinsured motorist coverage provides you coverage if you are involved in a vehicular accident with drivers who are not insured or do not have sufficient car insurance coverage. It pays for medical bills, loss of wages, and also pain and suffering that resulted from said accident.

If you are interested in getting uninsured/underinsured motorist coverage, contact you car insurance agent as soon as possible. Also, if you have other questions about car insurance coverage, you can also contact the Arkansas Insurance Department.

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