Reader’s Question:

My boyfriend and I are trying our best to get hold of a car insurance company that will insure him. We’ve exhausted all possible reasons that we could do but unfortunately there is no one and I really mean no insurance company willing to insure my boyfriend. What should we do? We just can’t sit around here and waiting for him to get a ticket because his driving without auto insurance in Fargo, North Dakota. I badly need anyone’s help.

Adrienne

Fargo, ND

I am very sorry to hear that. You don’t have to worry Adrienne, your boyfriend can still purchase afro insurance policy. In fact, you still have two choices:

First, apply to North Dakota Automobile Insurance Plan. This is the assigned risk plan which offer car insurance coverage to those who were not able to purchase auto insurance policies through traditional method. However, this coverage is expensive but the good thing is your boyfriend would be able to get auto insurance coverage; and

Second, purchase auto insurance policy from car insurance companies that specialize in insuring high-risk drivers. These insurers offer policies for people with poor driving record, are driving expensive cars, or living in a not so safe place of residence.

For more information about getting auto insurance policies through these methods, contact your auto insurance agent in Fargo, North Dakota. You could also check the available websites.

Tags: auto insurance, car insurance tips

Reader’s Question:

My husband is serving the military. Next month he would be deployed in another state. He’s the only one who uses the car in the house. My question is, can we cancel his auto insurance policy in Bismarck, North Dakota or should we maintain it? Because, honestly I don’t see the need to maintain the car insurance policy every time he’s away no one and I mean nobody uses his car.

Dayana

Bismarck ND

Hi there Dayana!

Since you’ve mentioned and emphasized that nobody is going to use your husband’s car then I guess it would be best if you suspend some if not all of the auto insurance policies that you have for practicality reasons. I mean by doing that you would definitely save a lot on car insurance bills.

However, before you do that make sure that your auto insurance company allows suspension of the policy. Contact your auto insurance agent as soon as possible. And if they allow it, then you don’t have to worry. Just make sure that no one is really going to operate your husband’s car because if the auto insurance policy has been suspended and someone is caught driving your husband’s car then you’re up to bigger problems.

For more information about suspending an auto insurance policy in Bismarck, North Dakota, feel free to also ask the North Dakota Insurance Department.

Tags: auto insurance, car insurance tips, military insurance

Reader’s Question:

If I am involved in a vehicular accident but I don’t have automobile insurance, will the other party car insurance company pay for the damages incurred on my car? Let’s say it is totally not my fault. What would happen? I am from North Cleveland, Oklahoma if that information would help you.

Petty

North Cleveland, OK

From what I know the answer to your question would be yes. However, that depends if the at fault party has auto insurance coverage. But, if the fault is shared between the parties involved (let’s say 50-50 at fault for both parties involved) then usually what happens is that the other party’s auto insurance company will cover for the damages incurred on that person’s part. The damage incurred on your car would only be covered if he or she has uninsured motorist insurance policy.

I just wanna inform you though that Uninsured Motorist policy is not mandatory in your state. It’s just an optional car insurance coverage. However, the best advise that I could give you is not to drive without auto insurance because that is against the law. And there are penalties and fines if you violate that law.

If you have additional questions about auto insurance claims in North Cleveland, Oklahoma I would suggest asking your auto insurance agent. If you are shopping are shopping for auto insurance rates in your area, you could use the websites.

Tags: car insurance claims, car insurance law, car insurance tips

Reader’s Question:

I bought a new car here in Patterson, NJ. Of course, I’m going to need auto insurance. Can anybody tell me anything about auto insurance? I am new at this. Which type of insurance is best?

Daisy

Patterson, NJ

Hi, Daisy. I will not tell you which type of coverage to get or tell you everything you need to know, I’d be writing a book if I do that. I’d tell you a few things to start you off, but you have to contact an insurance agent in Patterson, NJ, to really know more.

First, there is liability insurance. This type of insurance is required by all states. This type pays for the damage you do when you hit someone or something. Then there’s collision coverage. This one pays for the damage you do to your own car. Another is comprehensive coverage. This one handles damages not caused by a car accident like if your car gets stolen, vandalized, catches fire, etc. Then there’s one that covers medical bills due to car accidents. This covers you even when you’re driving someone else’s car. This even covers your loved ones’ medical bills. Uninsured coverage makes sure that you are taken care of when you are struck by someone who is not insured. I know that this is a rather simplistic way of discussing insurance policies that is why it is important for you to contact your insurance agent to know more and be able to come up with an informed decision.

Tags: Beginner car insurance, car insurance

Reader’s Question:

My husband received a ticket for over speeding in Arizona. He is qualified to enroll in a defensive driving school but he does not want to. What would happen if he chose not to enroll in a traffic school? Will this affect our auto insurance rate in Scottsdale, Arizona?

Hope

Scottsdale, AZ

A person who was given a ticket for over speeding and opted to pay the fine instead means he or she is admitting the guilt for the conviction. He/she would be convicted of over speeding and this would reflect on the person’s driving record.

But since you have mentioned that he your husband qualifies for a traffic school, the good thing about enrolling in traffic school is that he could have the ticket dismissed. Thus, the citation for over speeding will be removed. In addition, it will not show up in his driving record hence your auto insurance company will not see that he had been given a citation for over speeding. Also, your husband’s record will not show that he attended said traffic school.

Now, if your husband opted to pay the fine, I am afraid that the next time you renew you auto insurance, you might see an increase on your premium. Because being convicted of over speeding is not a good thing for auto insurance companies. So I would suggest he takes in the defensive driving class. It’s a win-win situation. He does only avoid being charged for higher auto insurance premium but also gains additional knowledge when it comes to traffic information.

For additional information about ticket removal, ask the Arizona Motor Vehicle Division or the clerk court.

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

Reader’s Question:

I am from Catalina Foothills, Arizona and was stopped by a law enforcement officer last week while driving my car. The car has auto insurance but I don’t have the insurance card with me then. How can I have the citation removed? I don’t want this to affect my auto insurance premium to go up in any way and I am hoping I could have this violation removed.

Noah

Catalina Foothills, Arizona

I am sorry for what has happened Noah.

Arizona has a financial responsibility law and there are three ways in meeting this:

1. certificate of auto insurance;
2. a bond; and
3. a certificate of cash or deposit that amounts to $40,000.

Going back to your question, from what I know is for you to be able to dismiss the charge for driving without auto insurance you need to show through mail either:

1. a proof that at the date and time the citation was given, there is an existing financial responsibility on the vehicle being used that meets the requirement for Arizona financial responsibility law or

2. an automobile policy that meets the required financial responsibility requirements that insures the person driving the car and the car itself.

Once you have proven that you have auto insurance coverage then you don’t have to worry. The citation would be dismissed. For additional information, on how you can have the citation dismissed in Catalina Foothills, Arizona you can ask the clerk court or the Arizona Department of Transportation (DOT).

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

Reader’s Question:

My friend who is serving in the military was cited for DUI while he is stationed in another state, if I am not mistaken it happened in California. Will this reflect on his license? Also, will this affect his auto insurance rate? I mean since this happened in another state, is it possible that his auto insurance company will find about this? We are from Fort Wayne, Indiana if that would help you in anyway.

Sally

Fort Wayne, IN

Yes Sally it would show up on his driver’s license and would affect his auto insurance rate so much, if I may add.

Most states in the US are members of the Driver License Compact (DLC). With this compact, member states can exchange information about a person’s traffic violation and license suspension. For example, an out of state violation like what happened to your friend in California will be sent back to your home state in Indiana because both California and Indiana are members of DLC. However, there are a total of five states that are not members of DLC - Michigan, Tennessee, Georgia, Wisconsin and Massachusetts.

Drinking under the Influence (DUI) is considered a very serious offense. Though I cannot give you how much increase it will have on your friend’s auto insurance rate for the reason that it depends on his car insurance company, I only knew one thing - it will increase so much. I would suggest asking for legal help since this kind of violation involves legal actions. If his car insurance rate increased so much, check the websites so he can shop for different auto insurance rates in Fort Wayne, Indiana

Tags: auto insurance, auto insurance quotes, military insurance

Reader’s Question:

I am a new driver and I quite don’t know a lot about car insurance stuff. I know that there are a lot of different auto insurance polices but I don’t think I need them all. I have a full insurance coverage in Oak Park, Illinois. What should I cut down on my car insurance polices? I mean what policies should I remove?

Millie

Oak Park, IL

First thing that you need to know is what is the mandatory state law for auto insurance in Illinois? Your home state requires bodily injury coverage with minimum limits of $20,000/person/accident and $40,000/accident and property damage coverage of $15,000/accident. Therefore, you must maintain those car insurance policies.

Now, the next thing that you should do is to know what does your budget allows you to pay? To help you with this, let me give you this advice. First, know the actual value of your car. If you are driving an old car, I don’t think it would be a good idea to include comprehensive and collision coverage on your policy. Because by insuring your car for collision and comprehensive policies, (which will cover you for damages incurred from collision with another car and non-related vehicular accidents) you might end up paying more for your policies as compared to the actual current value of your car.

For more information, ask your auto insurance agent in Oak Park, Illinois. If you are looking for auto insurance quotes in your area, you can also check the websites.

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

Reader’s Question:

I have a poor driving record and I’m having a hard time finding car insurance company here in Fargo, North Dakota. I think this is because I am considered a high risk driver. I’ve tried shopping around for car insurance companies to no avail. What should I do?

Will

Fargo, ND

I know where you are coming from. I also have a friend in Fargo, North Dakota who was once in your position. He was not able to get policy from insurance companies. So what his insurance agent did was helped him applied to Assigned Risk Plan. So what is an Assign Risk plan?

If a person cannot get his or her auto insurance from regular insurance companies, that person can apply to North Dakota Automobile Insurance Plan, a state-supervised insurance plan. It is also called as Assigned Risk Plan. This is created to offer means to drivers for them to purchase and meet the sate-mandated insurance polices.

To qualify for this plan you must be:

• A North Dakota resident;
• Have a registered vehicle in North Dakota;
• Have a drivers license (valid and current) from North Dakota; and
• For the last year (or 12 months) have no unpaid car insurance premium.

This is a very expensive plan and is only considered as the last resort by many. Try shopping around first through websites to find if you can get insurance companies in Fargo, North Dakota. If you have tried and exhausted all ways, then ask your insurance agent to help you get this plan.

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

Reader’s Question:

Not that I want to be ever in this situation, but how much will my auto insurance company in Bend Oregon OR pay me if my car gets totaled?

Sofia

Bend Oregon OR

I share your thoughts, Sofia, I also wouldn’t want anyone go through the terrible phase of having their car totaled. But let us answer the question you have presented which is very valid.

Your insurance company in Bend Oregon OR will pay you the actual cash value (ACV) of your insured vehicle, whether it was stolen or totaled. To determine actual cash value, you need to know how this value is calculated; it may sound complicated but it’s actually pretty simple. It merely refers to the depreciated value of the car, which will be a reduced value than its original price, naturally. You can easily determine this yourself, although it takes a little patience. You can go around used car shops around Bend Oregon OR and look for a car that is very similar to yours. It should be the same make, engine, year model and mileage. It should also ideally be in the same condition as yours. You check how this car is being sold for and you have approximated the actual cash value of your car.

Since it is a depreciated value that you will get from your auto insurer, it is actually advisable to get gap insurance, which will compensate for the gap between the actual cash value and how much you owe your auto loan balance. Gap insurance comes in handy when the insured car is totaled. If you want to look at how much gap insurance costs, or if you just want to check out how your auto insurance compares to others in Bend Oregon OR, you can do so by entering your zip code on the space provided at the top of this page.

Tags: auto insurance, Car Insurance Company