If got convicted of DUI and I would like to know if my insurance carrier in Palm Beach, FL will just cancel my car insurance policy or does it has to go through some sort of procedures?  Do I need a specific auto insurance specialist?

Josh

Palm Beach, FL

Insurance carrier’s guidelines vary however a conviction for driving under the influence (DUI) could result for an insurance provider terminating your automobile insurance policy. Usually your insurance carrier may cancel your insurance mid-term or cancel the car insurance policy at the end of the term due to your conviction for DUI.

If your insurance policy is terminated in this manner in Florida, your insurance carrier must send you notification stating why your car insurance policy have been canceled and then you will have to find another insurance carrier while now having a cancellation on your auto insurance claims history. Most states do not allow insurance carriers to just drop you in the middle of the car insurance policy term, even for a DUI. If you want to get more information about your state guidelines with regards to this, verify with your state’s insurance regulatory body.

Is the student covered on household car insurance until they are out of college? Or do they have to be listed as a driver on the car insurance policy? We live in Berkeley, CA.

Jenny

Berkeley, CA

If the teen either resides in the household or lists their parent’s house as their permanent address while at college then an insurance provider will usually require the child to stay on the parent’s auto insurance policy.

If the teen stays in the parent’s household after college then the child would need to continue to be listed as a driver on the car insurance policy as well.

Most insurance providers in Berkeley, California will require you to continue to have your licensed teen listed on your car insurance policy as long as they reside in your household, even if they are eighteen or older in age. Your insurance provider will want all licensed drivers residing in a household listed on the car insurance policy.

If I am under my parent’s car insurance policy in Alabama, is it possible that I can be a private driver on the insurance policy so if I will get a ticket or accident it would not affect their car insurance rate?

Harry

Mobile, AL

If you are going to be added on your parent’s car insurance policy in Mobile, Alabama as a driver then your driving history will be a rating factor and therefore could affect the car insurance rates.

As a listed driver and licensed household member on the auto insurance policy the insurance carrier will want to check your MVR. Any traffic tickets you are convicted of and accidents you may be involved in will be put on your driving history which the insurance provider would see as part of your Motor Vehicle Record.

Depending upon the insurance carrier’s rating system the accidents or tickets could affect your parent’s auto insurance rates. There is not a way to be on the insurance policy but not have your driving history used as part of the rating process since you are a driver of the vehicles listed on the insurance policy.

Can you let a 17 year old drive your car even if they aren’t included on your car insurance policy?

Margeret

It depends on your situation, Margeret.

I’d like to know under what circumstances the teenager is driving your car. First of all, does the teenager live with you, is he or she your child, etc.? If the teenager is considered part of your household, that is to say, if they live with you, then you should add them to your policy as soon as they get their driver’s license. This means a big hike in the price of your auto insurance premium for the 17 year old car insurance coverage, but it is much better than what the repercussions would be if the 17 year old ever had to make a claim and had not been listed on the policy.

Everybody who is driving has to have motor vehicle insurance. If the 17 year old does not live with you, then yes, that kid will be covered if he or she drives your car, because any friends or relatives who drive your vehicle are covered, regardless of age. So if you little your little brother borrow your car to run an errand, he will be covered.

Cheers,

Fashun Guadarrama.

Why is a woman car insurance coverage much cheaper than that of a man?

Allen

It is only for a certain period of time, Allen.

There is a period in a young person’s life when driving is new and risk is high, among both genders. I can tell you from experience driving with male and female friends who are young and only have had their driver’s license for a few years, that none of them are bastions of driving talent. I can also say that between me and my husband, we’re both insurance and probably should be forced to travel on bicycles for the safety of humanity. Okay, don’t get scared; I’m kidding. However we, as well as many others, are in that age group under twenty five where car insurance companies decide that you need to be charged so much more because of the high risk factor. Funny thing is, his half of the premium is more than mine.

The reason that men end up paying more than the woman car insurance premium, typically, is because not only do they fall into the young high risk car insurance policy holders group, but the group of young males is high risk as well. This is called big numbers rating, which means that the insurance company is determining how much you pay based on the rate that people in your demographic make car insurance claims. While most car insurance companies glean this information from their own data and are won’t to have different results when it comes to things such as more expensive vehicles and areas, the under twenty five male is pretty much a global pariah of the insurance biz. That doesn’t mean you won’t be able to find good car insurance coverage like a woman car insurance buyer would. It just means that it will cost about two hundred percent more than it would if you were female.

You might be wondering why you are getting punished for a claim you never made. Yes, it is true that even if you have a record for driving and motor vehicle insurance claims that is squeaky clean, you will still end up pying more into the system based on the group that you are a part of, even if that squeaky clean record does take some of the edge off of it. The reason for this is that the car insurance companies aren’t the police. They can’t charge you after you’re guilty because if they did then they would go out of business instantly. The amount that you would receive in the event of a bad accident and a claim is often a lot more than the amount that you pay into the system with your car insurance premium. The car insurance company that you are with needs to cover that difference.

So what you end up getting is a system in which people are separated into different groups, and all are throwing their money into a big pool. The pool needs to equal the same amount of money, but not everybody can give as much as everybody else because you can’t penalize someone who only drives five hundred miles a year for the claims of someone who has three DUI charges. So, the people who have fewer risk factors end up throwing less into the pool than those who have more risk factors, and anybody can retrieve money from the pool, so long as their car insurance claim is approved. That’s how the system works.

Cheers,

Fashun Guadarrama.

I live in Kansas, and I wanted it to know if it’s likely that my employer will still cover me with commercial car insurance while I’m doing business, even though I have an SR22 form for drunk driving?

Nick

That’s a great question, Nick.

First of all, I find it very unlikely that you would even be able to be hired by a job for which you are required to do any more than a completely negligible amount of driving for a good, long time after you were required to file your first SR22 form after a drunk driving conviction. The most common number that I could throw out is ten years, although in many cases a company that requires driving will not hire you ever again after you have been convicted for drunk driving, especially, for example, a trucking job. There is already a big problem with the lack of safety among commercial vehicles on the roads, so employers are more cautious, at least in this area.

Secondly, as to whether or not your employer will insure you if you have an SR22 form filed, I really doubt it. It is possible that this could happen, but it would be entirely the decision of your boss or whoever is in charge of this aspect of your job. If your employer allows you to drive for business reasons under their own vehicle insurance policy, then they are taking on a substantial amount of risk. This could result in a rise in vehicle insurance premiums in the company, and could thus cause problems with your employment.

I would suggest that if you do find yourself in this situation, the best option for you, and most likely the only option that you have available, is for you to go and get a non owners car insurance policy. These types of policies are widely available, cheaper than normal, and will cover any car that you drive but do not own. It would be the perfect option for driving for business reasons if you have an SR22 form, or even if you don’t and your employer simply does not provide insurance.

Cheers,

Fashun Guadarrama.

This car insurance commercial that I found on YouTube really cracks me up. It sort of embodies the confusion that most people feel when they are trying to hash out their car insurance policy with their company, and everything seems both repetitive and lost on them every time. I’m going to try to help make this feeling a little better by giving you a short guide to different types of car insurance coverage that you might need when you go to get your policy.

• Comprehensive.

Comprehensive coverage is often required if you are financing a vehicle, but is to required by law in any state. This covers any damage or loss of vehicle in the event of a natural disaster, such as a flood or fire, or in the case of theft or vandalism. These are basically accidents that do not involve driving.

• Collision.

This is another type of coverage that might be required by your financer. Collision covers the damages or total loss of your vehicle of you get into a car accident with somebody else and you are the at fault driver.

• Gap insurance.

Third in the financer trilogy, gap insurance picks up where all of your other coverages leave off. In order to get this type of coverage, you have to have the max limits on all of your other coverage. This could be a lot of help if you total a car that you’re still paying on, because the value is often less than what you still owe.

• Liability.

This is the basic car insurance coverage that is required by most states. Liability encompasses three types of coverage, for injury or death to one or more persons, and for property damage. It covers the other driver in the case of an accident in which you are at fault.

• Uninsured/underinsured motorist coverage.

When a driver causes an accident and does not have enough insurance, or any at all, to cover your damages, this type of car insurance coverage kicks in.

• Personal injury protection.

This is very popular in no fault states, and where it is not required might not be necessary if you have health and life insurance. It kicks in before the other driver’s liability does, and covers you if you are at fault. It handles medical expenses, wage loss, and death.

Cheers,

Fashun Guadarrama.

I recently got my college degree, and while I was attending school I could get a car insurance discount for having good grades Now that I no longer have grades, though, is there another discount for me?

Craig

Good question, Craig.

This is actually a new area in which car insuranc discounts are being offered. Recent studies have shown that many people’s driving patterns reflect their living patterns as well, as relates to their job, their education, their marriage. For a long time getting married has had a positive effect on people’s car insurance premiums, especially those of men’s, but now the other two categories are seeping into the area of car insurance discounts. You’ll see people getting discounts for being teachers or scientists.

And you can now get a car insurance discount for the degree you have as well. Or at least if you get your car insurance policy with 21st Century Insurance, you can. 21st Century offers discounted car insurance rates for people who have degrees in certain fields. These fields include mathematics, engineering, and chemistry, and pretty much any other degrees that would fall into the same department as those. If you graduated with one of these kinds of degrees, then you can get a car insurance discount from one of these companies.

21st Century is a car insurance company that does business in many states like Texas and Arizona, as well as Washington and Nevada. In all of the states that it operates it gives the option of this discount, which is named the engineering and scientist discount. According to the company’s vice president, this discount can get you as such as thirty percent off on your car insurance premium.’

The reason that people with these degrees are seeing good discounts is because, according to studies, scientists tend to be more meticulous people. Because of this, they pay more attention to their driving as well as to their surroundings.

Cheers,

Fashun Guadarrama.

When I turned 16 and got my first car, I also got added to the car insurance policy that my parent’s had. Now I’m leaving state to go to school elsewhere, so I’ll be getting my own new student car insurance. I know it will be more expensive, but how do I make it cheaper?

Sharon

It’s easy, Sharon.

First I want to remind you of the option to just not get a new student car insurance policy at all. If you are going to school in a different state, most car insurance companies will give a huge discount or not charge for you at all while your name is still on the policy, so if you leave your car at home you could end up paying nothing for car insurance and still be covered when you use it during visits home. This may not sound reasonable, but consider that if you are moving to a college town, not only will you live on campus but you will probably be able to get places where you need to go by taking public transportation.

If that isn’t what you want to do, or if your college town doesn’t have a good bus system, then here are some ways to get it done.

• Raise your deductible. This is the most basic cheap car insurance rates advice. The higher your deductible, the lower your premium. Just make sure that you can afford the higher deductible.
• Lower your standards. Pick a car that has some grey hairs and wrinkles, but is still safe. Older cars are cheaper to insure, and you also won’t need as much insurance. In the same vein, consider not getting that great stereo and those rims.
• Is your car worth less than your premium? Then you should only get the minimum state required car insurance coverage.
• Take a class in defensive driving.
• Maintain your credit report. It’s time that you are starting out in life and getting your credit going, so be careful now or you’ll have problems in the future.
• Look around for your car insurance company. Get instant online rate quotes and compare, compare, compare.
• Join an organization that helps you get discounted car insurance rates.

Cheers,

Fashun Guadarrama.

Surprised? I bet you were. That’s why it’s a good idea to go in to look over your policy and see if it is right for your circumstances anytime something big happens such as marriage, divorce, a kid with a new license, or college.

The limit on distance generally required by the car insurance companies is a hundred miles away from home, and the student still has to keep his parent’s house as his permanent address. The risk assigned to a teenager a hundred miles away from his car for most of the year is obviously far less than normal, and the student will still be able to drive the family car when he comes home for the holidays. Whenever you exploit this car insurance discount, you can get as much as thirty percent off of your car insurance premium.

As for if your student is going to school in the city, unfortunately that won’t get you a better car insurance premium rate, unless they are making good grades. More reason to get them far, far away!

Cheers,

Fashun Guadarrama.