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Questions and Answers RSS FeedsMinimum liability coverage in Louisiana is 10/20/10. How much would I have to increase my coverage to purchase a 1 million dollar umbrella policy? - An Umbrella policy , also called an excess Liability policy, is designed to protect you if you are held personally responsible to another person for injury or property damage. In other words, an umbrella policy will cover you if you are sued and have to pay more than the covera ...Feed Source: www.carinsurance.com I was caught doing 16 over the speed limit in NY state, what will the point be on my license? - According to the points schedule listed on the New York State Department of Motor Vehicles (NYS DMV) site being convicted of a speeding violation of between 11 and 20 mph is 4 points on your NY driving record. The DMV computer system automatically calculates your point total ... Does an insurance company have to notify you a certain amount of time before the current policy expires if they plan to deny renewal? - State laws differ but in general yes, most states require an auto insurance company to give you advance notice that they will not be renewing your car insurance policy . For example in Oregon if your policy has been canceled or "non-renewed" for a reason other than nonpayment, ... Can a police officer from one city give a speeding ticket to a motorist within another city? A Wilton Manors, Fl police officer stopped me and gave me a speeding ticket while I was traveling on a road in Oakland Park, Fl. - You should ask the clerk of the court for the traffic court listed on your speeding ticket if police officers in these cities are allowed to write a ticket out of their jurisdiction. It may be that the cities work together and have an agreement since they are located next to eac ... I am 17 years old and an Illinois resident. I just got my permit for the first time. How long do I have to hold my permit until I can get my license? - According to the Illinois Secretary of State (SOS) a driver receiving his/her permit on January 1, 2008, or later must hold the permit for a minimum of nine months before a driver's license may be obtained. Other conditions of a learner's permit include: A nighttime drivin ... In Massachusetts, how long do points remain on your driving record? - The Commonwealth of Massachusetts does not have a DMV points system in place. In terms of your license status, the Massachusetts Registry of Motor Vehicles (RMV) cares a lot more about the number of violations you accumulate than points. While the RMV does not have a points sy ... I would like to know if I must have car insurance on a non running car? I live in Kansas. The car has not ran in over a year and I canceled the insurance. - Typically if a car is not running (non-operational) and you have taken the registration off of it and it is no longer parked on public property you can take insurance off of it as well. Most states require that as long as you keep a vehicle registered you must have insurance on ... My license is suspended in Arkansas. Can I get one in Minnesota? - The Minnesota Department of Public Safety (DPS) Driver and Vehicle Services agency states that you have 60 days after becoming a resident in Minnesota to obtain your Minnesota license or permit if you have a valid driver's license or instruction permit from another state. If ... In New York, how long does a driving violation stay on your record? - The New York State Department of Motor Vehicles (DMV) states that moving violation convictions normally remain on a NYS driver record during the year that the conviction occurred and the following 3 calendar years. The NYS DMV removes the conviction from your driver record o ... What complications could come with buying a car with a rebuilt title? What does rebuilt title mean? - The definition of a rebuilt title can differ depending upon the state you live in and laws specific to that state. A general definition (used by CarFax and others that report a vehicle's history) for a rebuilt title is a branded titled placed upon a rebuilt or reconstructed vehi ... Someone else totaled my 1997 Toyota Camry in Illinois. Can I make that insurance (Allstate) company replace the car with another 1997 Toyota Camry? - It ultimately is up to state laws as well as an insurance company's guidelines if a car is replaced with a like vehicle or if the owners are paid out the actual cash value (ACV) for it. Normally an automobile insurance policy is not a replacement policy; rather it is an actua ... My daughter, who is 17, received a ticket here in Iowa for 24 miles over the speed limit. She does not have her full license yet. Will she lose her license, and will she have to go on SR22 insurance? Thank you. - From what we have read your daughter may need to go through the Iowa remedial driver improvement which applies to all drivers under age 18. According to the IA driver?s manual a driver will be referred if involved in one moving violation or involvement in an accident to which ... Is the "Retail Certificate of Sale" different from a "Title"? If they are the same, I do not see where on the document I sign it over to another owner? My car was recently totaled in an accident. I am having trouble determining how to correctly sign over my title to the insurance company. The only document I have is my "Retail Certificate of Sale" Please help? - Yes, the Retail Certificate of Sale is different from a Title to a car. Documents used vary from state to state however a Certificate of Sale usually has to do with sales tax being paid on a vehicle, and is not the title of the car and thus cannot be used to sign the car over t ... If I lend my car to a friend, are they covered? - Yes, typically with a personal auto insurance policy if you loan your car out to a friend from time to time your car insurance coverages would extend to them while they operate your vehicle. Policies though do differ so before allowing a friend or other driver that is not list ... In the state of Michigan when you get a speeding ticket for do 5 mph over the speed limit(55/50) do you get a point on your license because it is a civil infraction? - According to the Michigan Secretary of State (SOS), Michigan law dictates that some traffic violations are civil infractions while others are misdemeanors or felonies. Depending on the violation and how it is resolved, you may be fined, referred to a special program or, in the ... If I were holding a cell phone while driving but the phone was on speaker and away from my ear and at least a few inches from my mouth, would that be illegal in NY? - Yes, to the best of our understanding of New York laws if you are using your cell phone while in speaker mode and speaking on the phone with it held a few inches from your mouth that would be illegal. New York state law does not allow you to use a hand-held cell phone or mobi ... At what yearly mileage driven does your insurance rate go up? - It is true some companies offer discounts to motorists who drive a lower than average number of miles a year. The yearly or annual mileages at which your auto insurance is not discounted, and thus your rates go up, differ from one insurance company to another. Auto insurance ... In California what is the penalty for driving on a revoked driver's license? - The penalty in California for driving without a valid license typically includes not only a fine and court fees but the towing and impoundment of the vehicle the driver without a valid license was operating. In California, it is a misdemeanor to drive without a valid driver's ... If my license is suspended in Virginia and I am moving to Massachusetts is there any way that I could get a driver's license there? - To the best of our knowledge the Massachusetts Registry of Motor Vehicles (RMV) is not likely to issue you a MA driver's license while your driver's license is suspended in Virginia. On the application for a MA driver's license it specifically notes that this application will ... When maintaining SR 22 for a DUI offense, is it 3 years from offense date or conviction date? - How long you must maintain a SR-22 filing of financial responsibility differs by state. In most states it is 3 years but in some it can be a longer or shorter period of time. It also varies by state when the start date begins that you must obtain and maintain the SR22 from. I ... Copyright © 2008, Blurbosphere.com. All Rights Reserved. |