Auto Insurance Rate with DUI New York NY

Reader’s Question:

My boyfriend was charged with DUI 5 years ago. It’s a serious offense and as expected his auto insurance rate in New York increased so much after that incident. Ever since, we never saw any decrease on his car insurance rate again. We’re thinking of switching to another auto insurance company because it’s really getting too much for him to pay for his car insurance premium. But, I just wanna know first how long does DUI stay in a person’s record? Is five years enough for that to be removed from my boyfriend’s record?

Barbara

Buffalo, NY

In the state of New York (or anywhere else in the United States) being convicted of driving under the influence (DUI) is considered a very serious violation. And I don’t know anybody who are charged with this that did not see an increase on his/her auto insurance rate after the DUI citation.

Being charged guilty of alcohol or drug related driving violation normally results in license suspension. As to your question, such violation stays on a person’s driving record for a period of ten years. However, if your boyfriend is charged with DUI within that period, that would only result for additional penalties on your boyfriend’s part.

Since you’ve mentioned that you are considering of switching to another car insurance company, then I would suggest you try the websites to get auto insurance quotes in New York.

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

Car Insurance Claims Florida FL

Reader’s Question:

When I was parking my car in a shopping center’s parking lot it was hit. What’s even worse is that it was a hit and run. I wasn’t able to get the plate number or even take a look at the driver. So, I really don’t have any idea on who to blame for the accident. What can I do? How could I file for an auto insurance claim in Florida given this scenario?

Allie

Coral Springs, FL

I’m sorry to hear that Allie.

First thing that a person should do after an accident is to call the police and have it reported. This is important because the police would be able to inform you on what their involvement would be. You will also be asked to fill out an incident report which you would need in order to file insurance claim from your car insurance company.

If you have uninsured motorist or underinsured motorists coverage in your auto insurance policy then you are covered. However, from what I know, Florida state law does not require its motorist to carry uninsured motorist or underinsured motorists coverage, these coverages are optional. But if you have those they would be very beneficial on your part since your claim would fall under those coverages. However, if you have collision coverage on your car insurance policy, then you don’t have to worry. You can still file that claim to your insurer. But if you don’t have neither collision nor uninsured motorist or underinsured motorists coverage, then I’m afraid that you’ve reached your dead end. I am not sure if you still have other options on how to file for auto insurance claims given your situation.

If you have more questions about car insurance claims, don’t forget to ask your insurance agent in Florida.

Tags: auto insurance, car insurance claims, car insurance tips

Car Insurance Rate Minnesota MN

Reader’s Question:

I am confused with auto insurance rate in Minnesota. Is it possible that a car insurance agent can set a policyholder’s auto insurance premium and increased it for just merely suspecting that the policyholder had a minor traffic violation? And since it’s only a suspicion, as expected, there wouldn’t be any traffic tickets at all to back it up. Can someone help me with this? Can that be done?

Tin

Rochester, MN

Auto insurance rates are regulated in Minnesota through the Minnesota Department of Commerce Insurance Division. Car insurance companies filed their company’s rules and rates to this department.

The role of a car insurance agent is to follow the insurance company’s rules and rates. It is not a car insurance agent’s responsibility or job to increase a policyholder’s auto insurance rate for whatever reasons. Thus, this answers your question. Whether it’s just merely a suspicion on the car insurance agent’s part that there was a traffic violation committed by the policyholder or even if there is as supported by documents, this does not change the fact that car insurance agent CANNOT increase a person’s auto insurance premium.

I hope I was able to help you with your question. If you have other questions regarding car insurance rate in Minnesota, you can always contact the MN Department of Commerce Insurance Division.

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

Automobile Insurance Rate Maryland MD

Reader’s Question:

I got a question about speeding tickets. I know that normally getting a speeding ticket would have a negative impact on my car insurance rate since it would cause an increase on my premium. Now, my question is, do car insurance companies in Maryland find about the traffic right away? Or does it take some time?

Lorrie

Columbia, MD

Hello Lorrie!
According to my boyfriend who had several traffic tickets, in most cases car insurance companies do not find about the traffic violation right away. One of the reasons is that you need to be convicted first of the traffic violation before it reflects on your driving records. Once convicted, the court would report it to the Maryland Motor Vehicle Administration (MVA) to have it recorded on your driving record. Usually, this process takes about 30 days or sometimes it takes even longer.

There are some instances wherein you might also be able to qualify for a driving school to have the ticket removed from your record. If that is the case, then your car insurance company would never find about your traffic violation. Thus, it will not affect your auto insurance premium.

If you have other questions about car insurance rates in Maryland, you could also contact the MD Insurance Administration.

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

Auto Insurance Coverage Arizona AZ

Reader’s Question:

I would be celebrating my birthday on December, on Christmas day to be exact. My son promised me that as a Christmas and birthday gift, he would buy me a new car. I know that it’s not advisable to buy an expensive car because that would only increase my car insurance premium in Arizona. So I am not considering of getting an expensive car at all. What worries me is the coverage on (my would be) new car. Is there a different auto insurance coverage for that? Or it’s just the same?

Benny

Peoria, AZ

Happy Birthday and Merry Christmas in advance Benny! I bet you’re excited with your new car.

Now, let’s go back to your question. In most cases, if a policyholder replaces an insured vehicle with a new car, his or her auto insurance coverage would be the same on the replacement vehicle. Meaning to say, whatever auto insurance coverage a policyholder has in his/her old car would be the same on his/her replacement vehicle.

In addition, in general, a policyholder is required to inform his/her auto insurance company about the change on the vehicle. The grace period is normally one month or less. So, you are given around a month or less from the time your son purchased the car to inform your car insurance company of the replacement vehicle.

It’s also best that you check your auto insurance policy for additional details regarding your car insurance coverage. Feel free to consult with your car insurance agent in Arizona for more help regarding your inquiry.

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

Car Insurance Coverage Minnesota MN

Reader’s Question:

I am going to have my new car registered and also have it insured. I’ve already researched and decided on the kind of auto insurance coverage that I would be purchasing. Since I am totally new with car insurance stuff, I’m quite confused with it. I have one question. Once I’ve purchased my car insurance in Minnesota, who would be covered? I know, that it gives coverage for myself but are there other people who would be covered too? I have a wife and a teen daughter, will they be covered by my auto insurance policy?

Ken

Brooklyn Park, MN

I’ve read something about your question from the Minnesota Department of Commerce Auto Insurance Guide. And accordingly, you are covered by your auto insurance policy and also any person/s related to you who is living in your household are also covered. This can be your wife, children (which is your daughter in your case), and other relative who is under your custody and is living with you. However, this is provided that those people do not have their own auto insurance policy.

In addition, any people driving your car, as long as they have your permission to drive your insured vehicle are also covered. Again, this is provided that those people do no have their own auto insurance policy or they are not covered by any auto insurance policy.

For more information about auto insurance coverage in Minnesota, ask your car insurance agent.

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

Dollar-a-day Auto Insurance Policy New Jersey NJ

Reader’s Question:

I heard about this cheap auto insurance policy known as dollar-a-day policy in New Jersey from my friend. With the economic crisis that we are facing right now, I am very much interested in getting this kind of car insurance policy. How can I get it? Are there any kinds of qualification? Can you tell me more about this? How cheap is this car insurance really?

Jasmine

Toms River, NJ

The Special Automobile Insurance Policy (SAIP) or more commonly known as dollar-a-day or is designed to help inadequate car insurance coverage be available to drivers of New Jersey. This auto insurance policy is available to drivers who are qualified for Federal Medicaid plus hospitalization.

This policy provides immediate medical treatment after a vehicular accident and even treatment for serious injuries on the spinal cord and brain. The limit for this is up to $250,000. In addition, it also offers death benefit amounting to $10,000.

This however, does not cover treatment that are considered outpatient like visit of a doctor by Medicaid, damage on another person or property as a result of your fault or even damages incurred on your own vehicle.

As to your question on how much this is, it’s $365, that’ why it’s called as dollar-a-day. This policy is cheaper by $5.00 if you opted to pay upfront. For one time upfront payment it only costs $360.00. Whereas, for two installments, it costs $365 total.

If you are interested in getting this king of auto insurance policy, contact your car insurance agent in New Jersey or the New Jersey Department of Banking and Insurance.

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

 

Auto Insurance Coverage Massachusetts MA

Reader’s Question:

I have an insured vehicle in Massachusetts. But because of my health condition, as of the present, I am not allowed to drive yet. Now, my sister is using my car. However, she is not named on my auto insurance policy. My question is, if my sister got involved (and I hope she won’t) in an accident would she be covered by my auto insurance company? Also, if she has a traffic violation using my car will it be put under my name? With that, will it cause my auto insurance rate to go up?

Lea

Haverhill, MA

I wish you good health Lea.

Now going back to your question, in general, auto insurance companies only cover a person if he/she is listed as one of the driver’s in your auto insurance policy. Since you’ve mentioned that your sister is not listed on your car insurance policy, then I am afraid but I think she is not covered by your insurer.

In addition, if she is cited for a traffic violation, you don’t have to worry because it will not affect your driving record at all. Said violation will be listed under your sister’s name. So with this, your car insurance rate will not go up because it is her traffic violation not yours. However, if you decide to file for a claim because there was a damage incurred on your vehicle because of your sister’s action, then your auto insurance rate might go up. This is because claims history is usually one of the factors that affect car insurance premium to increase.

To better help you with your inquiry, it is best to ask your car insurance agent in Massachusetts.

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

Driving Without Insurance Maryland MD

Reader’s Question:

I have a friend who’s license tags were removed because she was caught driving her car in Maryland without an insurance. Is this a legal action? How long does it take before the plate is returned?

Miranda

 

To avoid receiving penalties, license plates and registration card must be surrendered to the Motor Vehicle Administration in Maryland if the your insurance was cancelled or lapsed.

Because your friend was caught driving an uninsured car, she will receive the penalties like a fine of $150 for the first 30 days and $7 for each succeeding days for a lapse insurance, lose of plates and registration privileges and a restoration fee of up to $25 for the registration. Your friend will not be able to do future registration for other vehicles once the insurance violation is settled. In addition, the license plates will be confiscated effective on the day of registration suspension. Other than these, there are other fines that the court may impose.

In the case of your friend, it is required by the state to turn in the tags. To find out how long, you can check with Maryland MVA.

 

Tags: auto insurance, car insurance, driving without insurance

Medical Payments Coverage Arizona AZ

Reader’s Question:

I am considering the idea of adding optional auto insurance coverage on my policy like Medical Payments Coverage. Correct me if I am wrong, but does this car insurance coverage mean that if I am involved in a car accident, my auto insurance company will pay for my medical bills? How about for passengers in my car? I am from Arizona if that would help you.

Georgina

Phoenix, AZ

Yes you are correct. In general, the medical payment coverage pays for the medical and even funeral bills if a policyholder is involved in a vehicular accident. In addition, even the passengers you have in your car are also covered by medical payments coverage. The amount that your auto insurance company will provide would depend on the limits that you have on that policy.

However, it would be best to check your car insurance policy to get a detailed description of the medical payment coverage. You can also ask your auto insurance agent in Arizona to better help you with your question. If you are shopping for auto insurance quotes in the state of Arizona, I would suggest trying the websites. It gives you faster results and also gives you the benefits of comparing auto insurance rates from different car insurance companies in a very easy manner.

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

 

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