Reader’s Question:

If someone gets a speeding ticket in New Jersey, is it necessary to let the insurance carrier know about it?

Arthur

Newark, NJ

When someone receives a speeding ticket in New Jersey, generally, you do not need to inform your insurance provider in NJ or other states. This is because the next time the insurance carrier pulls your motor vehicle record (MVR) the ticket will likely show up and therefore make the insurance company aware of your citation.

The insurance providers can run your MVR at any time but normally it is checked when you begin a new policy, make changes or are up for renewal.

Reader’s Question:

How many years back do you have to go when providing driving history for auto insurance quote?

Arnold

Atlanta, GA

The number of years that an insurance companies will check at your driving history or the amount of years in which you will have to give information on your driver’s history in Atlanta GA to an insurance company will differ depending upon both state laws and the internal guidelines of an insurance providers.

In Atlanta Georgia many years leave the “look back” period up to individual insurance provider. Insurance carrier tend to look back at your motor vehicle record (MVR) for either 3 to 7 years. When applying for a car insurance policy you will need to provide information on your driving history for the time period the insurance company requests. If you give incorrect information it will then affect your auto insurance quote.

To verify if Georgia has any laws regarding how many years back a car insurance provider can look to check insurance rates, you may contact your state’s insurance regulator.

Reader’s Question:

I currently have a G2 license and I have insurance under my parent’s policy in Boston, Massachusetts.. If I decide to operate someone else’s vehicle am I still covered? I need help.

John

Boston, Massachusetts (MA

Normally yes, if someone allows you to borrow their vehicle you will be covered under their car insurance policy in Massachusetts.

From most insurance providers, if you use your friend’s car with permission, and you are not named on their insurance policy, your friend’s coverages should still apply, thus are in effect.

Your friend should know that if you get involved in an accident, this may affect your friend’s auto insurance premium and policy coverage though.

Generally it appears that your friend’s insurance should be extended to you when you borrow their vehicle in MA but, I still suggest that your friend speaks with their specific auto insurance company In Massachusetts to make sure that their insurance policy and coverages would extend to you if you do decide to drive their car on occasion while you have your G2 license.