If I Get into an Accident Where I am At-Fault, Who Will Pay for Medical Payments
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.
Auto Insurance Rates with DWI in New York
Reader’s Question:
I am from New York. I have a NY license and also have a vehicle insured here. When I went to New Jersey to visit my mom, I was charged of DWI. How is this going to affect my auto insurance rate in New York? Will it have a negative impact? I am assuming there is none since it’s an out-of-state violation. Help please?
Bernard
Bronx, NY
Unfortunately there is an effect on your auto insurance rate and it’s big time!
Being convicted of Driving while Intoxicated (DWI) in another state (and in your case in New Jersey) doesn’t mean you can easily get away with it. We have what we call the Driver’s License Compact (DLC). Both your home state New York and New Jersey are members of it. This compact allows its member states to exchange information regarding a person’s suspension or traffic violations. Also, an out-of-state violation would be treated the same way it happened in a person’s home state. Meaning to say, you having cited for DWI in New Jersey would be treated as if you were cited for DWI in New York.
Your charged for DWI would be placed on your record and your car insurance company would find out about it. This is a serious offense if I may add. And having DWI under your name would normally increase your auto insurance premium since you are now considered to be a high risk driver.
You can ask your car insurance agent in New York to give you an estimate on how much increase you would see on your auto insurance premium. If you got too much increase then you can shop for auto insurance quotes using the websites.
Grace Period for Auto Insurance Claims After Accident in Florida?
Reader’s Question:
My cousin got involved in a vehicular accident last month. It is not her fault. There was no serious physical damage on her part and she just sustained minor injuries. However, there was so much damaged on her car. What I am curious about, is there a certain grace period for filing for auto insurance claim in Florida? I mean since this happened like a month ago, can my cousin still file for a claim? For how long are we given the grace period before we lose our right to file for claims?
Christine
Central Pasco, FL
In general, auto insurance polices states that in an event of vehicular accidents or loss to the policyholder, a claim must be done the soonest the possible time. By doing this, your car insurance claim would be considered in a timely manner by your insurer. The longer period you failed to file for the claim, the more difficult it would be to set the facts relating to your claims. In addition, if you filed for a delayed claim you must be prepared to explain to your car insurance company the reason for the delay. A claim adjuster would determine the total loss you had and the coverage you would have.
As to your question, your cousin can still file for a claim. As per Florida law, you could file for a claim within the four year period. Meaning to say four years from the time the accident happened. However, I would not suggest you wait that long before making the claim. Once involved in an accident, file the claim as soon as possible to avoid any future problems you might encounter if you opted to delay it.
For more information about car insurance claims in Florida, ask your auto insurance agent.
High Risk Driver Auto Insurance in Arizona
Reader’s Question:
My boyfriend’s auto insurance policy is not renewed by his former car insurance company in Arizona. Now, we’re having so much difficulty finding a new car insurance company who is willing to insure him. He has a very bad driving record I must admit. And I think that is the reason why no one wants to insure him. We’ve tried several ways to purchase car insurance from online to seeking help of auto insurance agent but to no avail. We’re still not going anywhere. What other options do we have if this is the case?
Gwen
Tempe, AZ
I’m sorry to hear that Gwen. But don’t worry so much you still got one more option if this is the case.
Your boyfriend can still be insured through Arizona Automobile Insurance Plan. This plan is created to help drivers who have difficulty purchasing auto insurance policy from traditional ways like what you’ve done. You can apply for this plan through your auto insurance agent in Arizona. Inform your car insurance agent as soon as possible that you are interested to avail this car insurance plan.
If you have additional information about Arizona Automobile Insurance Plan you can write to:
Western Association of Automobile Insurance Plans,
P.O. Box 7917
San Francisco, CA 94120-7917
You can also call 1-800-227-4659. They also have a website that you could visit at http://www.aipso.com/AZ/.
How To File An Auto Insurance Complaint in Arizona
Reader’s Question:
My boyfriend would like to file a complaint against his auto insurance company. I’d rather not say what the issue is for the fear that this might affect his complaint in some way. How do we file for an auto insurance complaint in Arizona? Can someone help us with this? Any help would be much appreciated. Thanks!
Lyn
Coconino, AZ
Hello there Lyn!
I would suggest that it’s best if your boyfriend would try to fix things first with his auto insurance company before filing a complaint. However, if that didn’t work and you think that filing a complaint would give you justice that you need and then by all means do so.
According to the Arizona Department of Insurance, if a person wants to file auto insurance complaint it may done through writing to:
Consumer Services Division
Arizona Department of Insurance
2910 N. 44th St.,
Phoenix, Arizona 85018-725
The complaint letter should include your boyfriend’s: name; address; and contact number and your boyfriend auto insurance company: the name of the company; policy number; and kind of auto insurance. Of course you need to include the details of the complaint also.
You also have the option to call in the Department of Insurance toll free number at 1-800-325-2548 to make the complaint.
I hope all would turn out ok. Keep us posted!
Where Can I Get SR22 Auto Insurance In Florida
Reader’s Question:
I am having a hard time finding an SR22 insurance in Cape Coral, Florida and I am just wondering where can I find an insurance provider that will insure me.
Jasmine
Cape Coral, FL
If you are unable to get an SR22 insurance there are certain fall backs in place. If you are to file a SR22 insurance it puts you on a higher risk category, and many insurance provider only sell auto insurance policies to high and mid risk level consumers.
If you having difficulty looking for an auto insurance provider to sell you SR22 coverage, begin by looking for a high risk auto insurance providers. These insurers typically sell to those who have various traffic violations and car insurance claims, SR22 filing requirements, sports cars, and so on. You will pay more than you would at an insurer that accepts all consumers, so be prepared for the affect it will have on your budget.
If you are still unable to find a SR22 auto insurance policy, you can get yourself of the final resort by joining the assigned risk car insurance pool in your state. This would costs you even more, however you will be guaranteed coverage with a random insurer.
What Is An SR22 Form?
Reader’s Question:
What is an sr22 form?
Roger
Evansville, IN
Generally an SR22 form is an agreement between the insurance provider and the Department of Motor Vehicle showing that they are providing the required car insurance coverage for you. This insurance agreement also means that if for any reason at all they are unable to provide that coverage for you at any time they will send notification to the Department of Motor Vehicle through a different form usually. Once the Department of motor vehicle receives this notification they will suspend your drivers license for not maintaining the required high risk car insurance coverage required for serious traffic violators such as drunk driving.
Therefore, an SR22 form is basically the contract between the insurance provider and the department of motor vehicle. You need to work out the deal with the auto insurance carrier and then they will file the SR22 form in your behalf which lets the DMV know that they are now responsible for your insurance needs and that you are carrying the required minimum liability insurance of the state.
Help With Auto Insurance Claim in Wisconsin
Reader’s Question:
I was involved in a car accident and luckily it was not my fault. I filed for an injury claim. However, the other party (who was by the way was the at-fault party) wanted me to sign a release on my claim. I am not satisfied with my claim. What should I do about this? Is there something I could do to prolong my auto insurance claim?
Penelope
La Crosse, WI
I am sorry to hear what happened to you. I hope you are feeling better.
This happened to me before. I was once involved in a car accident and the other car insurance company wanted me to sign the claim even if I am dissatisfied with the claim. So I did some research with and checked with the Wisconsin Office of the Commissioner of Insurance (OCI) and found out that I should only sign the release form if and once I am satisfied with the claim. In addition, as per Wisconsin state law, you have a total of three years after the date of the accident to file for a lawsuit or have the claimed settle.
Also, what I did to prolong the claim was I got a letter from my doctor stating on how much the cost is for my medical treatment and also for future medical bills. You can also choose to seek legal assistance if you want to.
For additional information about auto insurance claim, feel free to ask the Wisconsin OCI.
Do I Have to Have Car Insurance With SR22 in Texas
Reader’s Question:
I just moved from Illinois to Texas. I was required to carry an sr-22 in Illinois. Do I still have to continue carrying sr22 since Im already in Texas?
Matt
Good question Matt.
Basically, sr-22 are being used differently in various states. Your sr-22 in Illinois is your car liability insurance policy that you were required to carry for reinstating your license after suspension. It is uniquely in this kind of situation because this would require your insurance company to inform DMV (Department of Motor Vehicle) if the policy has been canceled ,terminated or lapsed. Your license will be suspended until your policy has been brought current or have been reinstated if thats the case. In most States, law requires you to carry sr-22 insurance policy for a certain period of time, which is usually three years, after the end of your suspension.
If you are going to apply a license in a different state, most likely you will need to continue your sr-22 policy.
Please check with the DMV in Illinois and in Texas to verify if you are still required to carry this.
Goodluck!
MariCAR
Car Insurance With SR22 For Non Owners
Reader’s Question:
Hi. I just want to know if a non owners sr-22 insurance covers policy holders in uninsured vehicles. Thank you.
Michelle
Thank you for asking.
You may need to verify first if the car that you drive is insured. You should not rely on the sr-22 insurance to provide the necessary coverage on the vehicle. Normally the non owners sr-22 is a secondary insurance. The insurance on the vehicle that you drive should follow as the primary for the insurance. The sr-22 also typically does not cover the vehicle with physical damage and other necessary coverage like PIP, UM or property damage.
If you are, for instance borrowed a car from a friend and you get into accident using that car, your friend’s car insurance will kick in first. But in other cases like, the accident was your fault and the property damage for the other driver exceeded the liability limits on your friend’s policy, your non owners sr-22 insurance policy would cover the excess up to the policy limits.
Remember that the non-owners policy covers liability only and not the vehicle.
Goodluck!
MariCAR
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