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When you have glass coverage on a vehicle does that cover the glass in the side mirrors? - State laws and glass breakage coverage differ so you would need to check over your own policy to see if side mirrors are covered or not. This coverage typically applies to all auto glass including windshields, side glass, back glass, door glass, mirrors, sun and moon roofs, and ...

In Indiana, how many points is an OWI worth on a driver's license? - The Indiana Bureau of Motor Vehicles (BMV) states that if law enforcement officers suspects that a motorist is driving while intoxicated (DWI), the officer may ask the motorist to submit to a chemical test to determine the amount of alcohol in the motorist?s bloodstream. Drivi ...

My car is a year old. Am I still required to carry full coverage on my car? If I am, then how would they find out if I have insurance? - Comprehensive and Collision insurance coverage is optional in every state. This is the coverage that is typically associated with the term "full coverage". The state does not require the coverage, but your bank (lien holder) will require it, in order to protect their loan to you ...

If I have my vehicle insured and drive a vehicle with no insurance, am I in violation of the law? - State laws vary but yes, in most states you would be in violation of the law if you drive a vehicle that does not have at least the state required minimum insurance on it by the car owner. Most states require valid car insurance to be on a vehicle in order for the registration ...

I don't have rental coverage, my deductible is $250 and I live in MI. If I were to get into an accident and the other party is 100% at fault. Am I allowed to recover my $250 deductible and $250 in rental ($500 mini tort threshold) from the at-fault party? - In Michigan you may not sue the other owner or driver for the loss of use of your car or for a rental car. You must buy that optional coverage from your own insurance company to be covered. So you cannot collect from the at-fault party for the cost of your rental car as part o ...

I am currently filling out a SR-13 on an accident my teenage daughter(17) was involved in. My question refers to the section where injuries are listed. What do I put as a dollar amount if there are injuries that require further testing and will not be done by the time I have to mail my form in? My daughter has some damage to her mouth and is waiting to see and orthodontist to assess the situation. Thank you. - Alabama requires those who have been in an accident where there is more than $250 worth of property damage to fill out a SR-13, Safety Responsibility Accident Report. It contains information on the accident and your insurance coverages which AL law mandates that you turn in so ...

I am a Canadian Citizen residing in Canada. I have obtained my Green Card, I already have my FL Drivers License and will be moving to Florida permanently. I am taking my 2 cars with me. I have already obtained letters from the manufacturer. Where in Florida can I find a Port of Entry to declare my cars for entry into the US? I already have one of my cars in Florida. I will be residing in the Orlando/Tampa area. - The US Customs and Border Patrol (CBP) site lists a few places in the Orlando or Tampa area that are either a Port of Entry or Service Entry. In Orlando area you can go to Sanford (a city close to Orlando) which is listed as a Port of Entry. The CBP describes a Port of Entr ...

I have liability, comprehensive, collision, and uninsured/ underinsured coverage on my car. If I have full coverage already, do I really need uninsured/underinsured coverage? If I get hit by a driver without insurance, won't my full coverage policy cover me anyway if I didn't have uninsured coverage? - Full coverage does not define any specific type of coverage, but typically it is used to refer to a car being covered for comprehesive and collision. If state laws do not require you to carry Uninsured/Underinsured Motorist you may not need to keep these coverages depending up ...

Who pays the deductible on a collision? - If your use your own Collision coverage for your vehicle than you (the policyholder) pay the deductible associated with that portion of your auto insurance policy no matter if you are at fault in an accident or not. If you are not at fault than your insurance company may subro ...

I just recently had a car accident and I did not have insurance on my car. The car is not totaled but it is damaged pretty bad. The accident was not my fault. The other driver was not insured either. Will GAP cover my damages as a backup insurance? - No, your GAP insurance would not cover your damages as back up insurance. Gap insurance's purpose is to pay the difference (gap) between what an insurance company pays out for actual cash value (ACV) when a car is totaled out and the balance of your loan or lease. Without ...

I received a speeding ticket in the state of New York, but my driver's license is out of Arkansas. I am currently in the military and do not wish to switch my license. I received a speeding ticket for going 82 in a 65, how many points does this add to my driving record? Also, how many points can you have on your record before your license get suspended? Do the tickets that I receive here in New York affect my points for suspension in Arkansas? - New York and Arkansas are both members of the Drivers License Compact (DLC) so if you are convicted of the speeding ticket you received in NYS the New York courts will report the traffic violation back to your home state of AR. Arkansas driving records are governed by Arkans ...

In Florida what are the penalties for driving without insurance and being involved in an accident that you were at-fault? - Florida's minimum coverage is $10,000 Personal Injury Protection (PIP) and $10,000 Property Damage Liability (PDL) as long as you have a valid Florida tag. According to the Florida Department of Highway Safety and Motor Vehicles ( HSMV ) they are authorized to suspend your driv ...

What does suspension of registration mean? - When a person's registration is suspended it means the state has basically taken away their right to place the vehicle on the road until the registration is reinstated and once again valid. States all require you to register your car in order to obtain license plates and drive ...

If I total my vehicle and it is written up as an accident because of weather conditions and a small animal crossing in front of me, can I collect the mini tort from my own insurance company? - If you were at-fault in an accident than to be to repair your vehicle or be paid out actual cash value (ACV) for a total loss of the vehicle you would need Collision coverage as part of your Michigan auto insurance policy. The limited property damage liability, or mini-tort, ...

I have a question regarding auto insurance points. My mother has had several accidents in the past 3 years and the car insurance company has decided to give her insurance points and cancel her policy. I think they have attributed 7 points to her. However, she does not have any motor vehicle points. Could you please provide some guidance here on what are the auto insurance points and if she could possible be insured by another carrier? Thank you. - Insurance points are given by an insurance company for various things such as traffic violations and accidents. So while your mother may not have been cited for the accidents the insurance company's points system is different than the DMV's so they can apply points for an acci ...

I got a speeding ticket in Quebec but my drivers license is from British Columbia. Is there any sort of agreement between these two provinces? Will I get these points deducted? - We contacted the Insurance Corporation of British Columbia (ICBC), the licensing agency that keeps a driver's record in BC, to find out if they have agreements with Quebec and other Canadian provinces regarding moving violations being reported to them. The representative for ...

I live in Vancouver, B.C. Got a speeding ticket in Washington state my speed exceeded 20 mph. Will I get points on my Canadian drivers licence? - From the best of our knowledge there is a reciprocal agreement between Washington State and British Columbia. Washington State notes in Revised Code of Washington (RCW) 46.23.020 that their Department of Licensing is authorized and encouraged to execute a reciprocal agreement ...

In Oklahoma what are the auto insurance requirements? What if you are found without car insurance? - According to the Oklahoma Liability Insurance Law there is Compulsory Liability Insurance required in OK. All Oklahoma drivers and/or vehicle owners are required by law to carry the minimum limits of liability for this state: $25,000 for injury or death of one person $50,00 ...

My windshield and passenger side window were broken by vandals. I have full glass insurance and want to know if this coverage also includes cleaning the glass out of my car? - You will need to read through your policy and speak to your agent to see if part of your full glass coverage includes cleaning your car of the broken glass shards. "Full glass coverage" typically pays the entire glass loss without applying a deductible. If you did not have ful ...

If I don't have insurance and my friend or family member gives me permission to drive his or her car, am I covered by their insurance if I am in an accident? - Likely you would be covered by your friend's or family member's insurance policy if you borrowed their vehicle from time to time, however insurance policies differ and some have certain exclusions that may pertain to you so it is always advisable for the car owner to check thr ...