Reader’s Question:

Hi, I’m from Albany, Georgia. What happens if I have auto insurance lapse for my car?

Miller

Albany, GA

The state of Georgia requires vehicle owners maintain insurance coverage for their vehicles to proceed
with the following: legally drive the vehicle, register and obtain Georgia licensed plates and renew,
replace or transfer their existing GA license tags.

Insurance information, including those that were terminated and had lapsed, is electronically reported.
Lapsed insurance is defined by Georgia Department of Revenue as 10 or more days where the record shows
that a motor vehicle is not covered by auto insurance policy. When the DOR sees that your car is not insured, you will receive a Notice of Lapse Mandatory Liability Insurance Coverage by mail. Aside from the 25.00 lapse fee, the notice also requires you to show proof of valid insurance coverage within 30 days. If you fail to settle the lapse fee, then the vehicle’s registration will be suspended. To cancel the suspension,
you have to settle the lapse fee and reinstatement fee worth USD 60.00 and show the proof of auto insurance.

You may contact the DOR for more information about lapse auto insurance.

Tags: auto insurance, auto insurance lapse

Reader’s Question:

I’m doing an auto insurance comparison from different companies in Boca Ciega, FL, what is the best way to do this?

Stephen

Boca Ciega, FL

When doing an auto insurance comparison, you should not only consider the price but also the quality of the services offered and the financial stability of the insurance company.

Most consumers would like to pay as little as possible and one easy way of doing this is by finding out which company is cheapest for your particular category such as driver age, driving record, vehicle and coverage desired. There really isn’t one single company out there that is cheaper than the rest. The technique is to compare multiple rate quotes from several companies so that you can find the company that fits your needs as far as price goes.

Comparing auto insurance quotes online is a fast and convenient way to shop. There are many auto insurance websites that allow you to compare rates from many companies with one simple process. In some states, you can even purchase your auto insurance policy online and will receive instant proof by email.

Finding the right auto insurance company also includes considering quality as a determining factor. If you only take rates into consideration, you may end up with an auto insurance carrier that will not provide their end of the contract.

Tags: auto insurance, car insurance quotes

Reader’s Question:

I compare auto insurance quotes from different companies in Killeen Texas. Is it safe to provide personal data when applying for auto insurance online?

Zachary

Killeen, TX

Yes, it is generally safe to provide your personal information. It is necessary though to make sure who the quote is being provided to, especially if you become a customer. Your credit score will not be affected and signing-up does not automatically follow. A social security number should not be requested from you and you can refuse to give it out when asked since there is technically no need for it in exchange of a quote.

Auto insurance quotes in Killeen Texas and in other states are free and should not obligate an individual to buy the insurance right away. The insurance company is simply providing the prospective customer with a tool to make the best informed decision possible regarding which auto insurance to choose and is the best to fit their individual needs. Like other companies doing business, it is just a way to form new relationships with customers and provide services that can make the customer happy.
In the end, after the auto insurance company has provided their quote, the customer should then make a decision, and the lucky auto insurance company acquires a new customer. That is their primary goal in providing the useful auto insurance quote tool online.

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

Reader’s Question:

What if I report a hit and run to my insurance carrier in Greeley, Colorado and I was not at fault will my insurance rates go up?

Wright

Greeley, CO

In most states the insurance regulations in place do not permit car insurance rates to be increased due to certain cases such as a hit and run or uninsured/underinsured insurance claim. But in states that do not govern if insurance rates can be affected for these types of insurance claims then it will be up to the individual insurance carrier’s guidelines and rating system to decide if your insurance rates would increase.

Your car insurance agent in Greeley, Colorado should be able to inform you more about your insurance company’s rating system and if a hit and run claim will affect your car insurance rates. Your state’s insurance regulatory body will be able to inform you about state insurance laws and may also be able to advise you specifically about your insurance company’s rating system since car insurance rates must be filed with this state agency.

Tags: car insurance rate

Reader’s Question:

How many years do I need to maintain an SR 22 form after a DUI conviction in Antioch, California?

Stanley

Antioch, CA

After a DUI conviction in California normally one must file and carry an SR-22 for three years. The length of time the California SR22 must be carried by a driver may vary depending upon their conviction and if there were other issues involved in the case, such as your case driving without insurance in Antioch, California.

If you are required to carry an SR22 car insurance due to a DUI in CA contact the California Department of Motor Vehicles to determine exactly how long you are required to carry it.

Tags: auto insurance, sr22 insurance

Reader’s Question:

Can I take the driving class before paying the traffic ticket, or do I need to pay the ticket first before taking driving course in Anaheim, California?

Cris

Anaheim, CA

According to the courts in California you should not attend Traffic School prior to paying the bail amount and Traffic School Administrative fees. If you attend prior to payment of the said fees and bail amount, the Court will not accept the your traffic school completion certificate .

To know the exact steps to take traffic class in Anaheim, California contact the court listed on your ticket. You will first want to make sure that you are eligible and you qualify for the driving school you want to attend.

To get information on how the ticket could affect your driving history if traffic school is not an option for you you may contact your state’s Department of Motor Vehicles.

Tags: auto insurance, traffic school

Reader’s Question:

Are you required to have proof of insurance with you while driving in Durham North Carolina while driving?

Greg

Durham, NC

You can verify with the North Carolina state statutes, to check if it specifically notes that proof of insurance must be with at all times while driving or not.

Even if the state statute does not expressly note that the insurance card must be in a car while they are driving, it is always advisable to have the vehicle’s insurance card with the car in case a police officer requests proof of insurance or if you must provide this insurance information to others after being in a crash.

For more North Carolina insurance laws inquiries try contacting the NC Department of Insurance.

Tags: auto insurance

Reader’s Question:

My daughter received a suspension for three months due to acquired 12 points on her drivers license. They said that she needs to get an SR-22. Could you tell me why and what the law on SR-22 insurance in Columbia, South Carolina.

Charles

Columbia, SC

The South Carolina Department of Motor Vehicles states that an S-22 form insurance certificate is required for three years from the ending date of the suspension for which it is required. The SR-22 is also required during the 6 months when a person is issued a provisional driver’s license.

The certificate of financial responsibility or SR-22 certificate must be on file at the SC DMV before the drivers license can be reinstated. The South Carolina DMV states that SR-22 insurance is not required if the three year requirement period for the original suspension has ended.

You will need to contact the South Carolina DMV to obtain information on the exact laws surrounding your daughter’s loss of license due to obtaining too many points and the reason she needs to get the SR-22 in Columbia SC.

Tags: sr22 car insurance

Reader’s Question:

How long does it take for a accident to be removed from your driving record in Providence, Rhode Island?

Robie

Providence, RI

The Rhode Island Division of Motor Vehicles states that driving records are processed through the Operator Control division of the Department of Motor Vehicle.

In addition, they said that a driving record includes any special license classifications (CDL), restrictions, and a list of any accidents, tickets and/or suspensions you may have acquired in the last three years.

The Rhode Island Department of Motor Vehicle does not mention if the infractions and accidents in Providence are taken off after a three year period or not so you may contact them directly to find out. You may call the Operator Control section at (401) 721-2650 or contact them through their Division of Motor Vehicles website.

Tags: auto insurance, traffic violation

Reader’s Question:

How is insurance for motorcycles and off-road vehicles determined in Montgomery Alabama?

Natasha

Montgomery, AL

States have different laws on whether or not insurance is needed, and if so, how much is required for motorcycles and off-road vehicles. It is still a good idea to have at least some kind of insurance even if you’re not required to. You can easily find information online regarding motorcycle and off-road vehicle insurance requirements by state, including other requirements, such as helmet use and eye protection.

What affects the premium rates for motorcycles and off-road vehicles? Like car insurance, insurance companies consider various factors to determine what your premium will be– including the type of bike you have (Harley vs. Vespa), your driving record, how much you drive the vehicle (to work every day or only in the summertime), your age (if you’re under 25 – expect to pay dearly), whether or not the vehicle is kept in a secure location, the mileage you drive in a year, and any training you may have had (most states have a DMV motorcycle program that, if successfully completed, will save you money on your insurance).
As a consumer you can shop around and compare rates by different insurance companies in Montgomery Alabama in order to get the best deal available in the market.

Tags: auto insurance, car insurance rate