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Questions and Answers RSS FeedsIf I drive a company vehicle in the state of Florida, what coverage am I required to carry on my personal auto insurance? I was told that I need to obtain extended non-owned coverage for liability and property damage. If I drive the company vehicle for personal use, what policy would be responsible for comp & collision coverage? - Under a personal insurance policy (PAP), there is normally an exclusion stating that there is no coverage for the use of an auto furnished or available for your regular use that is not owned by you, such as a company car. So when you drive the employer owned auto (for business o ...Feed Source: www.carinsurance.com I moved from Texas to Kentucky. My tags are still valid on my vehicle how long can I live in Ky before I have to change over to a Kentucky license? I have been without insurance for 1 month what is the penalty in KY for no insurance being I have a TX drivers license and tags? - According to the Kentucky Division of Driver Licensing persons moving into Kentucky have 30 days to obtain a Kentucky driver's license. To obtain a Kentucky Driver License you must be a U.S. citizen or permanent resident of this country. You must be at least 16 years of age to ... I am financing a car that I bought in Florida. I am also registered and have insurance from Florida state. I will be relocating to New York and understand that I will have to register and get New York insurance coverage. But in order to register the car in New York I have to show ownership which I am still financing the car and do not have the title? What do I obtain or how do I go about this? - The New York State Department of Motor Vehicles (DMV) states that if the original title certificate is in your name but is held a lien holder to get NYS registration you must provide: A copy of the title certificate with your name on it from the lien holder. The lien holder ... Can I sign a title at the age of 17 in the state of New York? - According to the New York Department of Motor Vehicles you must be 16 years of age or older in order to apply for a vehicle registration in NYS. The NYS DMV does not require you to have a driver?s license or learner?s permit to apply for registration on a vehicle. These requir ... If someone else is driving my vehicle and is charged with a DUI, will it affect my insurance? - If the person borrowing your car is only ticketed for driving under the influence (DUI) and was not in an accident while intoxicated than normally this would not affect your car insurance rates . The person that was using your vehicle should have received the citation in their ... My car was keyed. I gave a police report and the name of a likely suspect. If this suspect is not found guilty will my insurance still cover the damage as an act of vandalism? - If you have Comprehensive coverage on your vehicle than it should cover this act of vandalism minus the deductible amount you chose for this type of Physical Damage coverage. If the at-fault party is found and charged with vandalism then you can try instead to get them to pay ... How long does a speeding ticket stay on your record in Indiana? - According to the Indiana Bureau of Motor Vehicles (BMV) points associated with a traffic offense, such as speeding, may be disregarded after 2 years but the violations remain on the record since IN state continues to track your violations. Most carriers only review the previ ... My license was suspended in Illinois for speeding. I recently received a no operators license ticket in Nebraska. What exactly does that mean? - If Illinois is your licensing state and they have suspended your driver's license than it is suspended in all states and thus you should not be driving since you do not have a valid license. A state that is not your licensing state can only take away your driving privileges in t ... Does Florida have a law that provides a presumption of negligence for a rear end accident? What is it? - Florida does have a presumption of negligence for a rear-end accident however it is not a state statute that we are aware of but instead Florida case laws that has set this precedent. In all the cases we have read with a presumption of negligence for the driver that rear-ended ... How long do you need to have your permit before getting a conditional license in Massachusetts? - The graduated driver's licensing (GDL) process in Massachusetts starts with obtaining learner's permit and then moving up to a Junior Operator's License (JOL) which must be the conditional license you are referring to. You can apply for a permit when you are 16 years of age. O ... Can a body shop pay or discount my $500.00 deductible? - Any agreement between a private party and the body shop is between them. Normally a body shop that works with an insurance company will not pay off or discount your deductible amount. This would seem unethical in that it would appear they would just over-inflate the estimate ... If my daughter is 16 years old and she has received her NC driver license, can she drive the family car without supervision? Secondly, does she have a provisional license or just a standard driving license like all licensed NC drivers? - The North Carolina Driver's Manual, available through the NCDOT Division of Motor Vehicles , states that drivers under age 18 are provisional licensees. Because these drivers have a much higher crash rate, special laws apply to them. So as a driver under the age of 18 your daug ... I hit black ice, my truck went into the ditch, hit a small tree and rolled over. Is this an at fault accident when no one else was involved? - State laws and insurance guidelines for what is considered an at-fault accident and incident differ however in general a driver is responsible for maintaining control of their vehicle at all times and thus by losing control on the black ice you would normally be found at-fault ... How much is a ticket for driving with no insurance in the state of New Jersey - In New Jersey , driving without insurance or not being able to show proof of auto insurance when requested is a serious offense with harsh penalties. A citation for this violation of the New Jersey law may result in fines, community service, license suspension and surcharges ac ... When did gap insurance start? - To the best of our knowledge Gap insurance began to be offered in the early 1980s to help those insureds who purchased a car and due to rapid depreciation of the vehicle found themselves owning more than the car was worth if it was in a total loss situation. When you owe more ... I am being held 10% liable for a collision that was caused by a driver passing a stop sign without stopping. I had no controls on my traveling road. The insurance company said that I had a last clear chance to avoid the collision. What is comparative Negligence and "last clear chance"? - States typically have either a comparative or contributory negligence laws. Comparative negligence laws mean that parties involved in an accident may share the cost of damages from an accident in proportion to the share of their negligence. A motorist determined to be 50% or l ... How long is someone placed on assigned risk after an accident, and what are the rules in California about placing a person with insurance on assigned risk? - Drivers are not usually placed on assigned risk after just one accident but are done so if they have a bad driving record or a number of accidents. The Department of Insurance (DOI) for California defines an assigned risk as a driver who is not acceptable to a standard lines i ... Why must I insure each vehicle I own when only carrying a Liability policy? I am only able to drive one vehicle at a time, so what difference does it make what I am driving if the vehicle isn't covered? - While you can only drive one vehicle at a time, in most states to have all of your cars registered they must also have insurance on them. Personal auto insurance companies do not normally offer one blanket liability policy that you pay for one car but can drive several other c ... In 2009, what new auto insurance laws do they have in Georgia? - As of January 1, 2009 there will be some changes to the Georgia insurance laws due to the passing of Senate Bill 276 in 2008. As passed by the house and senate, SB 276 amends Title 33 of the Official Code of Georgia Annotated, relating to insurance, so as to limit coverages un ... Why is North Carolina so different and annoying with their insurance requirements in 2009? - North Carolina is different from most states for car insurance, please read about ceding in North Carolina to learn more of the differences. In 2009, some new laws go into effect requiring more car insurance. Effective January 1, 2009, North Carolina House Bill 738 requires all ... Copyright © 2009, LadyWeb. All Rights Reserved. |