Automobile Insurance Specialist

Reader’s Question:

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 Palm Beach, FL, 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.

Cheap Student Car Insurance in California

Reader’s Question:

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.

Car Insurance Claims Denied Due To Accident With Out Coverage?

Reader’s Question:

My friend got involved in a accident and it was not his fault and she had no insurance in Manchester, Connecticut. What will be her penalties?

Miranda

Manchester, CT

The penalties for being caught operating without insurance in Manchester, Connecticut include a fine of at least $110 and impoundment of the car. If your friend was at fault in the accident he would be held personally liable for the injuries and damages she caused to the others. Since she were not at fault she may be able to put her claim through the at-fault party’s insurance provider for her vehicle’s damages.

Keep in mind that CT law requires that all registered cars have liability insurance maintained at all times. When you renew or register a car registration, you must certify insurance coverage. Your signature attests that minimum car liability insurance will be maintained throughout the registration period and the automobile will not be driven without insurance.

Do You Want Very Cheap Auto Insurance In Arkansas

Reader’s Question:

If your vehicle gets totaled, what do they then do with the vehicle? I live in Jonesboro, Arkansas. Im going to need a new car and cheap insurance for it.

Brad

Jonesboro, AR

When a vehicle is found to be a total loss and the insurance provider takes possession of the car normally they sell it to a junkyard for scrap, sell it for parts, or if it can be repaired sell it at an auction as a salvage car.

The monies the insurance provider receives for the car help offset the cost of the claim they paid out for the car being declared a total loss.

Insurance providers guidelines will dictate what your insurance carrier would do with a totaled vehicle. You can contact the insurance regulatory body for state law information and your car insurance carrier’s agent in in Jonesboro, Arkansas for data on their internal guidelines.

Very Cheap Auto Insurance Rates in Alabama

 

Reader’s Question:

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.