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Does UMPD apply if the uninsured vehicle next to the insured catches fire and causes damage to the insured vehicle that does not have Comprehensive coverage? - No, Uninsured Motorist Property Damage (UMPD) would not normally cover fire damage to an insured car even if the fire started on an uninsured car next to it. State laws and insurance policy terms can very but in general for the car insurance of the insured vehicle to pay for t ...

If I am an excluded driver and have an accident in that person's vehicle, will my insurance cover the damages to the vehicle? - No, normally if you have your own personal insurance it will not extend to cover the damages to a car in which you are excluded as a driver from on the car owner's insurance policy. Insurance follows a vehicle first and driver second. When driving a car you need to be cove ...

Do I have to take a temp test if I am over 18 years of age in the state of Ohio or can I just take my driver's test? - Our understanding is that in Ohio for a first time license applicant over the age of 18 you must first obtain the temporary instruction permit (referred to by many in OH as just your temps) before you can go onto apply for a full driver's license. The Ohio Bureau of Moto ...

In Pennsylvania how long does insurance look back for DUIs? - As the Pennsylvania Insurance Department notes, certain items will be taken into consideration when figuring your premium, such as the type and age of the vehicle, safety features, where the vehicle is garaged, the average number of miles driven in a year, the coverages and li ...

My question concerns the State of ARIZONA. When involved in an accident, can you tell me at what percent a vehicle is deemed to be a salvage or total loss in the State of Arizona? - According to the Arizona Department of Insurance , the insurance regulator for the state, AZ insurance statutes do not address the percentage of damage that will result in the vehicle being totaled; it is generally determined by the specific company's guidelines. Without a ...

I was told that I am required to have a "paid in full" SR-22 before they could issue my SR-22 certificate. I live in Florida and I purchased a new auto insurance policy, making the required down payment with a payment arrangement for the remainder of the policy premium. I requested a SR-22 form to be filed and also requested a copy to be sent to me so I can get my license re-instated. I have never before been told this by any other FL insurance company, is the information correct? - The Florida Financial Responsibility Law requires owners and operators of motor vehicles to be financially responsible for damages and/or injuries they may cause to others when a motor vehicle crash happens. This law requires any person to have liability insurance at the time ...

I was recently convicted of a DUI in Virginia, where I live, and will have a restricted license for one year. My auto policy already exceeds the mandatory requirements set forth on the FR-44 form. Do I still need to inform my insurance company or can I present the DMV with proof of my current policy? I am trying to avoid having my premiums raised or my policy cancelled, of course. - The Virginia Department of Motor Vehicles (DMV) should inform you if in your particular case you are required to file the FR-44 or not. Since were convicted of a DUI and are now applying for a restricted license normally a FR-44 would be required, even if you had these higher ...

How long does DUI affect insurance rates in New York? Does New York require an SR-22? - According to the New York State Department of Motor Vehicles  a conviction that is alcohol-related or drug-related (for example, DWI or DWAI) remains on a driver record for exactly 10 years. If a driver is convicted of the same violation during those 10 years, the driver can ...

What is the law in VA for parking a car in your driveway without registered tags? - To the best of our knowledge Virginia does not have a law covering this situation but cities and counties tend to have their own ordinances regarding cars that are without registration not being allowed to be parked in your driveway if it can be seen from the roadway or neighb ...

I was driving within the speed limit and swerved to avoid a Christmas tree in the road that had fallen off someones car. My vehicle fishtailed then I did a 360 and it turned over on its side, not hitting anything. It was totalled. There was a witness and the Christmas tree was documented in the police report. My insurance company charged it to my collision coverage. Could it be covered under comprehensive instead? - Definitions of what is considered a Collision or Comprehensive claim can vary from one insurance company to another but since your vehicle turned on its side this would normally be considered a Collision claim with most insurers, including your own it would seem. With auto ins ...

Please explain the auto bodily injury limits of 100/300. - At first it can be confusing learning to read limits for Bodily Injury Liability since there are 2 sets of numbers such as 100/300. The first number is the maximum coverage for Bodily Injury Liability for one person injured in an accident (in thousands). The second number ...

What Florida laws restrict or prevents the use of a Blackberry of electronic device while driving? - As of June 2008 we are not aware of any legislation in Florida that has yet passed either banned the use of cellular phones while driving or a ban texting while driving. The Florida Highway Department of Safety and Motor Vehicles (HSMV) notes that the issue of driver d ...

Can I drive to school with just a permit by myself? - State laws vary, however, we are not aware of a state that allows you to drive by yourself, even to school , when you are only in the learner or instructional permit stage of the licensing process. The permit typically allows you to only drive with a passenger in the front ...

Can I get an SR22 without buying insurance for my car? - Most states require car owners to buy a minimum amount of Bodily Injury and Property Damage Liability insurance before they can legally drive their cars. All states have financial responsibility laws. This means that people involved in an automobile accident will be required to ...

I wanted to know if an SR22 changes (increases) my insurance rate? - An SR-22 does not affect your insurance rates directly, but there is a fee associated with filing the form with the state. Typically, it costs $15-$25 more for the filing fee, depending on the state. The filing fee is a one time charge that you will need to pay when you pu ...

From the date of citing and subsequent conviction for DUI how long am I required to carry the FR-44 filing for my vehicle insurance? I reside and I am licensed in the State of Florida. - In Florida, an FR-44 Form in Florida is required for reinstatement after certain alcohol related convictions and must be maintained for 3 years. The FR-44 is similar to the SR-22 financial responsibility certificate that you must file with the state after certain convicti ...

My license was suspended three years ago due to having 3 speeding tickets in that year. I was wondering when this suspension and tickets will fall off of my record. I wanted to know as far as applying for employment and insurance rates. I live in Illinois. - According to the Illinois Secretary of State (SOS) minor moving violations such as speeding, disregarding a traffic control light, improper lane usage, etc. remain on a motor vehicle record (MVR) for four to five years from the date of conviction. If the ticket forms the bas ...

We have been without car insurance since April 2010. I was told my our insurance company they could not insure us. Can you tell me of a company who will insure us in Arkansas? - CarInsurance.com offers you the ability to shop with several different carriers at once to find the rates that will be best suited to your car insurance needs for Arkansas . We have carriers that will offer you coverage if you have no prior insurance on your vehicle. Many ...

My friend has a spare car which is taxed and tested but not insured. My insurance on my own car allows me to drive another car which is not owned by me. Can I legally drive my friends car? - State laws vary but in general if the car owner does not have insurance on the vehicle and you are found driving it you can be cited by law enforcement for driving without insurance. Your insurance card, if shown would not show that you have coverage for the vehicle you are oper ...

Is there a certain age children have to be off your auto insurance policy? - No, auto insurance companies do not have a set age limit to take a child off the parent's policy. Children, like any other risk need to be listed on a policy if they are driving the vehicle or a household member. For car insurance, if a child lives with their parents and drive ...