Automobile Insurance SR22 Burke, Virginia VA

Reader’s Question:

I had an accident in Burke, Virginia without auto insurance. I was told to get an SR-22 form sent the Virginia DMV. Am I going to have to pay for the damages?

Ben

Burke, VA

The state of Virginia has a financial responsibility law, that requires all VA registered car owners to have automobile liability insurance or enough money to pay for any losses that may result from a car accident.

The SR-22 form is simply a certificate of financial responsibility proving that you are carrying a certain type of insurance liability coverage. It is a form that your insurance carrier would fill out and file for you with the state showing you had the required car insurance coverages.

If you were at fault in the accident in Burke, Virginia normally you would be held personally responsible for the damages the vehicle and driver sustained. If you did not reimburse the other driver on your own the other party could seek a judgment in court against you. If the other party had car insurance to take care of their damages their insurance company could come after you for the monies they paid out for the accident you caused.

 

Tags: auto insurance, driving without insurance, sr22 insurance

Auto Insurance Points Lauderhill Florida FL

 

Reader’s Question:

In Lauderhill Florida, is it possible to voluntarily take a driver improvement class in order to remove points on my driving record?

Ella

 

Lauderhill, FL

 

You can check with the FL Department of Highway Safety and Motor Vehicles (HSMV) to check, but I am not aware of any way in which to remove points by attending a driver improvement class after the points and violation have already been put on your driving record.

 

When you receive certain types of traffic violations in Lauderhill, FL you may elect to attend driver improvement class or traffic school to keep points off your driving record. With this option you need to request traffic class of the court before your court date and have it approved by the court.

 

The HSMV states that the benefits for choosing the driving course option at the time of your citation are that points are not added to your driving record and the fine is reduced up to 18%. You can only choose this option for traffic violations five times in a lifetime in Florida and cannot have made this same election in the preceding twelve months.

I suggest that you contact the Florida HSMV to check if in your situation if there is any way in which to take off points from your drivers license. Remember that for insurance purposes the violations, as well as points total, normally are looked at. So while even if you are able to have points taken off from your driving record likely the actual traffic violation conviction will stay for an insurance carrier to see.

 

 

Tags: auto insurance, car insurance rate, traffic school

Automobile Insurance Claims Beaverton, Oregon OR

Reader’s Question:

In Beaverton, Oregon usually how long does it take for insurance provider pay off a vehicle if it has been stolen?

Dolly

Beaverton, OR

According to the Oregon Insurance Division in their consumer insurance brochure, if you file an insurance claim, you have a right to be notified of the process to be used to settle your car insurance claim and the progress of your insurance claim. Automobile insurance carriers must respond to insurance claim communications within thirty days. They must complete a reasonable investigation of a auto insurance claim within forty five days, unless they can justify additional time is needed.

During the insurance claim process you must cooperate with the insurance company’s reasonable investigation of your insurance claim. If you fail to cooperate this may result in a delay in payment or even the insurance carrier denying your insurance claim.

With a stolen vehicle that is not recovered an insurance company will want to do a thorough investigation so it may take up to forty five day limit and even longer if they can justify using extra time for their investigation into how the vehicle was stolen, etc. Insurance carriers generally do try to pay claims in a reasonable and prompt amount of time.

If you want to get more information about your consumer rights with regards to a comprehensive auto insurance claim for a total loss due to your car being stolen in Beaverton, Oregon you may contact the Oregon Insurance Division directly. To verify if your insurance carrier has any time limits with regards to insurance claims beyond the Oregon state laws, read over your car insurance policy and check with both your insurance agent and the insurance claims adjuster working on your insurance claim.

 

Tags: auto insurance claims, car insurance

 

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Driving Without Auto Insurance Lawton, Oklahoma OK

 

Reader’s Question:

My 16 year old daughter was pulled over in Lawton, Oklahoma and got a ticket for driving the car with no proof of insurance. The vehicle belonged to someone else. Are we responsible for the traffic ticket and will this affect our car insurance?

Lory

Lawton, OK

According to the Oklahoma driver’s manual the Oklahoma has strict laws about having valid car liability insurance. All OK motorist and/or car owners are required by law to carry the minimum limits of liability for this state.

Whether this type of citation on your daughter’s driving history will affect your insurance premium rate is up to the rating system that your insurance company has in place. Driving uninsured is usually a major violation but since the vehicle your daughter was driving in without car insurance was not a vehicle that she would normally have insurance on since it was not owned by her and she did not have insurable interest on it then your insurance carrier may consider it to be minor. Your car insurance agent could inform you about your insurance carrier’s rating system and if your daughter’s ticket will affect your car insurance rates in any way.

To obtain more information on OK insurance law you can contact the OK Department of Public Safety or OK Insurance Department. The Oklahoma Insurance Department may also be able to inform you more about your insurance carrier’s rating system since their car insurance rates must be filed with this state agency.

 

Tags: auto insurance, Car Insurance Company, teen insurance

Automobile Insurance Question Huntington West Virginia WV

Reader’s Question:

If you live in state of Huntington, West Virginia are you required to have automobile insurance if you do not own a vehicle?

Brandon

Huntington, WV

The West Virginia law requires all registered automobiles to be insured. The minimum amount of coverage required is bodily injury of $20,000 up to $40,000 per accident and $10,000 for property damage. This is also known as 20/40/10 coverage. All automobile insurance policies must be issued by a insurance carrier licensed to sell insurance in West Virginia.

So if you just have a driver’s license and do not own a automobile you are not required to carry car insurance to maintain your drivers license. You are not required to show proof of car insurance to obtain a driver’s license in Huntington, West Virginia but you are if you are registering an automobile.

If you have more questions with regards to the laws of West Virginia regarding automobile insurance you can contact the West Virginia Insurance Commission, the insurance regulator for the state.

 

Tags: auto insurance

Vehicle Insurance Claim Los Angeles California CA

Reader’s Question:

A vehicle was considered a total loss by an insurance carrier. The vehicle has a new owner and different insurance carrier. The vehicle was in an accident and it was someone else’s fault. Can the vehicle be considered a total loss again by the different insurance carrier in Los Angeles CA?

Tom

Los Angeles, CA

Yes, a vehicle can be found to be a total loss more than once. If the vehicle was repaired and found to be roadworthy and was permitted back on the roadway by the state’s Department of Motor Vehicles and then was in another crash where the repairs cost more than the value of the car it would be found to be a total loss.

To know how much a vehicle would be worth as a salvage car that was in a second total loss accident, you could contact Los Angeles dealerships to see what they would estimate the value of the car to be.

A car that has a salvage title generally can be worth thousands of dollars less than a car that does not have a salvage title. According to automobile and insurance industry sources the decrease in value of a car that has a rebuilt or salvage title is typically between 20 up to 50 percent depending on the type of car and its age. So any settlement for a vehicle already totaled out once will show this diminished value.

 

Tags: auto insurance claims, car insurance

Auto Insurance Boca Ciega Florida FL

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

Cheap Auto Insurance Rate Tips

Reader’s Question:

What do I need to consider when purchasing car insurance?

Jim

Arlington, VA

Car insurance coverage needs differ depending on your situation.

Always consider your financial and personal situation (marriage, home-buying, parenthood, etc.) to know appropriate liability limits. The more you have to lose, the more protection you will need. To lower your car insurance rate premiumraise your deductibles, .

Go through the checklist and read our articles to get more tips:

• What coverage does the law require you to buy?
• What coverage does your lienholder or bank require you to buy?
• Understanding on how a loss will be paid for each auto insurance coverage.
• Understanding the various options for each coverage (limits,exclusions and deductibles).
• Think about value because best auto insurance may not be the cheapest.

 

Tags: auto insurance premium, automobile, car insurance rate, cheap auto insurance

SUV Auto Insurance Question

Reader’s Question:

Is it harder to insure SUV’s?

Kyle

New York, NY

 

Thanks for asking, Kyle.

If you have one, then this might come as bad news to you. SUVs are magnets for high insurance rates! That’s an added burden to having a higher ticket price at dealership and costing a mint to fill up. SUVs cost 10-20% more to insure as compared to regular cars.
Want to know the reason why? It’s really because more often, SUVs can cause more damage to other vehicles during accidents. Such will cause the payout rates for the insurance companies which will definitely increase liability premiums.

Regardless if you are a safe and careful driver, SUVs will have fared much better than their counterparts in most accidents. SUVs feel safer, though it doesn’t really follow that it is safer. About 12% of vehicles on US roads are SUVs because of this. Even if, SUVs can also pose some inherent dangers which include hazards such as greater potential to flip during high-speed turns, collisions, or when avoiding accidents. The center of gravity for SUVs is less balanced which makes them top-heavy since they sit higher off the ground. Roll over accidents are very costly in terms of vehicle repairs and personal medical expense which make them charge higher for SUV auto insurance premiums.

Aside from that, car thieves mostly covet for SUVs which can be very costly for replacement claims! In other words, SUVs are high-risk vehicles for auto insurance companies which will lead them to charge car insurance premiums higher than the other car types.

Short Term Health Insurance Nevada

Reader’s Question:

I got dropped from my parents’ health insurance coverage in Nevada. I am expecting to get my own health insurance coverage this year. Is there something I can do to get protected while waiting for my health insurance plan?

Karen

Las Vegas, NV

 

There is absolutely something for you, Karen.

You might want to have a temporary insurance policy or otherwise called short-term health insurance policy in Nevada. This is an insurance policy which offers protection from medical expenses through short lapses in health insurance coverage. This can cover up to 12 months or less. It is really impossible to find one that covers up to 36 months. A short-term health insurance policy is ideal for healthy people who are going through some kind of transition like college students who just graduated and waiting for health insurance benefits from their first job. For one to be qualified, it needs to be established that you are ‘healthy’, meaning that your insurer makes sure that you are not likely to claim as much for the duration of the short-term policy, that is within up to 12 months or less, depending on the term.

Short term health insurance policies can be cheaper than the regular health insurance policy as the coverage term is only temporary. This can also be good options for those who are in between jobs, or those who need medical protection while the health insurance plan applied is not yet granted. You never run out of choices for popular insurers who offer short term health insurance polices. You can start shopping online too for some free quotes!

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