SR-22 Auto Insurance California CA
Reader’s Question:
I heard that I can purchase auto insurance through websites. And my friends also suggest that before I purchase one, it would be best if I check on the auto insurance quotes first though online resources like websites so I could compare prices. My question is, I have a friend who is required to carry SR-22 auto insurance. Since anyone could check on available auto insurance rates through websites, can he also get SR-22 form by downloading it from the internet?
Adonis
San Francisco, CA
This is quite a difficult question. Because, honestly until now I am not aware of any downloadable forms from the internet for SR-22.
Let me first do some explanation about SR-22. The SR-22 certificate is a form issued by your car insurance company. This serves as a proof of evidence to California Department of Motor Vehicles (DMV) that you have indeed auto insurance policy and that your policy meets what is required by California state law.
Not everyone is required to purchase this. Only those drivers who are suspended for driving while intoxicated (DUI), have numerous moving violations within a period of one year; driving without car insurance to name a few reasons are the one who are required to purchase SR-22 certificate.
For better understanding about SR-22 form, please do ask your car insurance agent in California.
Tags: auto insurance, car insurance tips, SR22 insurance
No-Fault Car Insurance North Dakota ND
Reader’s Question:
What if I get into a car accident here in North Dakota and the other driver has no insurance, will my car insurance cover me?
Charles
Bismarck, ND
Besides having strict traffic laws, North Dakota observes the no-fault act. This has been adopted to cut back on lawsuits to determine who was at fault in an accident and to provide immediate and necessary financial assistance to the individuals involved. The no-fault law does not mean that the driver at fault is considered off the hook. It simply means that to get benefits following an accident, an individual must first look to their car insurance coverage.
Additionally, this law strictly prohibits any motorist to operate a motor vehicle or permit someone to drive a motor vehicle without having sufficient car insurance coverage. All drivers in this state are obligated to have no-fault insurance policy. But despite North Dakota’s strict laws governing car insurance, an alarming 9% of its motorist population is uninsured. This is why uninsured motorist insurance is required for all motorists in this state. This car insurance coverage will provide you the right to recover benefits from your own insurance company in an event where a driver without car insurance injures you and/or damages your car in an accident.
Personal Injury Protection is another requirement and very important to obtain. This will cover for your medical care after an accident. If you have an extensive health insurance, then you can elect to obtain just the minimum PIP policy. Check your no-fault policy thoroughly. If it is stated in the declarations section that you have coordinated or excess medical coverage, then this means that you have to first claim from your health insurer for medical costs. Any amount remaining will then be covered by your auto insurance.
Tags: auto insurance coverage, car insurance, driving without insurance
Driving without Car Insurance Virginia VA
Reader’s Question:
I have a car that I am driving for the last five years. I am planning to sell it however my problem is that it doesn’t have auto insurance for the last five years. What are the possible penalties that I may be facing if I am caught driving without car insurance? I am from Virginia by the way.
Randy
Newport News, VA
For a person to get license plates in the state of Virginia, he or she must provide certification that the vehicle is covered by auto insurance or he or she has paid the fee for Uninsured Motor Vehicle (UMV).
Failing to meet those requirements would mean having your driving license suspended and even your vehicle registration being suspended too. And to have those reinstated, you will be required to get financial responsibility insurance certificate or SR – 22, which you have to maintain for a period of three years. And also, you must pay a reinstatement fee. With all the hassles you would go through for driving without car insurance, I don’t recommend driving without auto insurance at all to anyone.
It doesn’t matter whether you will be selling your car or not. What matter is that you are breaking the law by driving without car insurance. I would say it’s best that you purchase auto insurance now to avoid any inconvenience on your part. You could check several websites to get auto insurance quotes in Virginia or seek help from a car insurance agent.
Tags: auto insurance, car insurance law, car insurance tips
Automotive Insurance Covers ACV of Stolen Vehicle Louisiana LA
Reader’s Question:
If my car gets stolen here in Louisiana, and I haven’t paid the full loan yet, will my automotive insurance pay off the remaining balance?
Philip,
Metairie, LA
If your vehicle gets stolen, the first thing that you should do is to report it to the police and to your auto insurance company there in Louisiana. A claim will be placed under your physical damage coverage, specifically under the comprehensive portion.
If your vehicle is not recovered, the automotive insurance company would have to settle with you the actual cash value (ACV) of your vehicle. The ACV is the amount that should be paid in order to replace the lost item or property (depreciation allowance and deductible considered). This value is determined by comparing the condition of your vehicle with those of other vehicles. The input of local auto dealers and other private parties may be considered in determining this cost, as well as the condition of your vehicle and the mileage differences.
The actual cash value of your vehicle may be computed manually or through the help of computerized evaluation processes. Most auto insurance companies use third party computer programs (such as the CCC) to assist them in estimating the costs of damage claims. This computer program provides the auto insurance company with an updated database that is used as a yardstick to determine the true value of your vehicle based on the evaluation of repair shops and auto dealers.
Once the actual cash value of your vehicle has been determined, this amount will be settled by your auto insurance company and will be paid out to you.
Tags: auto insurance, auto insurance claims, auto insurance coverage, comprehensive insurance coverage
Auto Insurance Coverage North Carolina NC
Reader’s Question:
I have the minimum state required limits for auto insurance in North Carolina. My question is, if I am involved in a vehicular accident wherein I am at-fault, who will be responsible for my medical payments? Will it be me? Will my auto insurance policy pay for that?
George
Cary, NC
When you said that you have the minimum state required limits for your auto insurance I am assuming that you have the following: for bodily injury – $30,000/person and $60,000 for all people involved in the accident; and for property damage – $25,000.
So given that you those coverages, going back to your question, if you get involved in a vehicular accident and you are at fault, your auto insurance coverage will not cover for the medical bills that may be incurred from the accident.
However, if you wanna have auto insurance coverage that will pay for you medical bills then I would suggest you get medical payment coverage. This type of auto insurance coverage does only cover for medical payment but also for funeral expenses. You are covered by this and your family member.
For more information about medical payment coverage, you can consult with your car insurance agent in North Carolina. you can also check the websites if you are shopping for one.
Tags: auto insurance, auto insurance coverage, car insurance online, car insurance tips