Teen Auto Insurance Quotes in Alabama
Reader’s Question:
My seventeen year old daughter recently had her driver’s license suspended as a result of several tickets she received. The suspension is for sixty days and I am just wondering if we can find auto insurance for her in the state of Montgomery, Alabama?
Alicia
Montgomery, AL
If your 17 year old daughter is already on your auto insurance policy or has an auto insurance of her own, the insurance carrier may permit the current insurance policy to remain in effect through her suspension since it is only for a short period of time. If she does not have car insurance currently or her insurance provider has dropped her due to the suspension with the several tickets on it, then it may be hard to get car insurance in Montgomery, Alabama during her suspension period.
You will need to obtain a car insurance quote here and check some insurance companies that will cover your teen daughter with a suspend license or with higher points.
Since insurance carriers guidelines vary so your teen daughter may need to contact various insurance companies and shop for insurance carriers that will fulfill her needs. If he cannot find an insurance carrier to insure her, due to the license suspension or being a high risk driver, she can try contacting the Alabama Department of Insurance for assistance.
Non Owners Auto Insurance in Los Angeles California
Reader’s Question:
My boyfriend will be leaving the country and will leave me his vehicle to use in Los Angeles, CA and I will be signing a power of attorney for the vehicle. I was wondering if I can get non owners insurance?
Larry
Los Angeles, CA
If your boyfriend is leaving you his car with you it is doubtful that you would qualify for a non-owners policy in Los Angeles, CA. The reason for this is because it would appear that you will be having the vehicle at your residence and driving it frequently as if you were the owner since you have the power of attorney.
You instead should be able to either obtain a regular car insurance policy on the vehicle or an auto insurance policy, that is for someone without insurable interest in a car but who has the vehicle in their possession.
With the power of attorney it would seem as if you are the owner of the vehicle while the true owner is out of the country and therefore should be able to find insurance coverage on the car for you as the driver instead of a non-owner policy which is for an individual who does not have vehicle in their household to use regularly.
How Much Car Insurance Do I Need?
Reader’s Question:
There are several options of car insurance. How will I know which one works best for me?
Wallace
Saginaw, MI
Auto insurance and the types of optional insurance place on a car are personal choices one has to make depending on overall and financial situation. The best thing is to always get the most insurance coverage you can afford to be sure that you and your family are always protected.
If you are interested in knowing what bodily injury limits are best for you, just to give you an idea, Bodily injury (BI) liability insurance is coverage for other people’s injuries or death for which you are liable. Bodily Injury coverage can also provide legal defense if another party in the crash files a lawsuit against you.
Generally, you will want enough BI insurance to cover a judgment against you in a lawsuit, to make sure that your assets are not put at risk. You should always purchase the maximum amount of insurance that you can afford.
Required Auto Insurance Limits in Maryland
Reader’s Question:
In Maryland, what car insurance limits is mandatory?
Campbell
Ellicott City, MD
The Maryland Insurance Department states that the minimum coverages and coverage limits required by MD law are:
- Liability coverages of $20,000 for bodily injury per person or accident up to $40,000 and $15,000 for property damage (20/40/15);
- $2,500 for Personal Injury Protection (PIP) coverage; and
- Uninsured Motorist (UM) coverages of $20,000 bodily injury per person or accident up to $40,000 and $15,000 for property damage (20/40/15).
Collision and Comprehensive coverages are optional coverages but if you have a lien holder on your car they may require these coverages be placed on the vehicle.
Driving Without Insurance in Georgia
Reader’s Question:
What are the penalties for driving without insurance in the state of Georgia? What happens if you get involved in an accident and you are not at fault and the other individual is insured?
Brenda
Sandy Springs, GA
When a driver is convicted of driving uninsured in Georgia one part of the penalty is a sixty to ninety day license suspension. If you are found by a police officer to not have acceptable proof of insurance, as the vehicle owner you will not be able to purchase and register a Georgia license plate for their car; unable to replace renew, or transfer their existing GA tag; and will be subject to car impoundment and fines if the car was involved in an accident.
Since you were involved in an accident, the state of Georgia might also require you to carry SR-22, a financial responsibility insurance certificate. As for the accident, typically if you were not at fault you will be able to make a claim with the at-fault party’s insurance provider and that individual would go through their own insurance provider for their damages and medical bills.
Pennsylvania Car Insurance Question
Reader’s Question:
In my neighborhood in PA there are a lot of cyclists and I want to know what should I do if one of this cyclist hits my car and cause big damage, are they liable?
Jason
Erie, PA
If the bicycle hit you because the cyclist was not attentive and adhering to the rules of the road, then normally he or she could be held at fault and liable for the damages your car have sustained in an accident in Pennsylvania. Cyclists are responsible for following roadway laws and thus if the cyclist hits your car from making an illegal turn, rear-ended you, riding too close to your car, etc then he or she would normally be held responsible.
If you were hit by a bicyclist then you should get a police report just as if it was another automobile or motor vehicle that had hit your car. You can make a claim with your collision coverage since it is unlikely that the cyclist has insurance to cover the damages to your car or deal with the cyclist for him or her to cover the costs of the repairs personally out of pocket.
If you do not have collision coverage on your car which to make a claim for your car’s damages and have problems with the at-fault cyclist paying for the costs of your repairs, then you may need to obtain legal counsel on what your state’s allow you to do legally. You could even take the bicyclist to court and seek a judgment against him or her for the expenses you incurred due to him or her hitting your car.
Tags: advice, auto insurance claims, automobile, car insurance rate
What is Standard Auto Insurance?
Reader’s Question:
What is standard auto insurance?
Michelle
Houston, TX
Standard insurance is car insurance that one can get through the voluntary insurance industry at a preferred rate.
To help explain standard insurance I will define non-standard car insurance. Non-standard car insurance is an insurance for those motorists whose underwriting experience makes it hard or impossible to get insurance at standard or preferred rates, but who are acceptable risks to certain insurers at a higher premium.
In the standard insurance marketplace there are a lot of variations in insurance rates. Shopping is the best way to find the best insurance rate with the best protection.
Will Speeding Ticket Cause My New Jersey Car Insurance To Increase?
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.
How Far Back Does Driving History Go On Auto Insurance
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.
Teen Auto Insurance Coverage Under Parents Policy?
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.