Insurance and Driving Laws

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What could cause me to get points on my car insurance?

Car insurance companies determine individual rates depending on a variety of factors, such as sex and age of the driver, the number of miles normally driven, the type of car, and geographic location. They also take into consideration something known in the industry as points, which are a reflection of an individual’s driving record. Points...

Car insurance companies determine individual rates depending...

Car Insurance AttorneyPost

Car Insurance Attorney

While you will probably never need one if you have a good insurance policy, a car insurance attorney can be used to sue another driver if they did not have adequate coverage at the time of the accident. If you are the party that caused the accident and property, or bodily damage was caused to...

While you will probably never need one if you have a good in...

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The National Database for Car InsurancePost

The National Database for Car Insurance

Just because a law exists does not necessarily mean everyone follows it. However, technology makes it much easier to crack down on lawbreakers. With the booming period of technology we live in, more often than not, studies will show that it’s become even more difficult to slip through the cracks when it comes to uninsured...

Just because a law exists does not necessarily mean everyone...

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Understanding Car Insurance Code

Auto insurance code refers to the laws and standards that govern car insurance. Since the code establishes minimum requirements, there is no state with standards covering an array of damage or liability.  Each state has its own minimum car insurance requirements governing which coverage drivers need to purchase. Individual customers need to decide what coverage...

Auto insurance code refers to the laws and standards that go...

How can I get car insurance if my spouse has a DUI/DWI?Post

How can I get car insurance if my spouse has a DUI/DWI?

If a court has convicted your spouse of driving under the influence or driving while intoxicated, you may be wondering how this will affect your car insurance. Getting car insurance after a DUI is much harder, but what if your wife or husband is the one with the DUI? What will insurance companies expect if...

If a court has convicted your spouse of driving under the in...

When to Sign Your Title Over to Your Insurance CompanyPost

When to Sign Your Title Over to Your Insurance Company

Being involved in a car accident is a traumatic experience. Still, if you have physical damage auto insurance such as collision or comprehensive, your insurance company will reimburse you the full market value of your vehicle if it’s totaled.  In order for the insurance company to determine the value of your vehicle, it will request...

Being involved in a car accident is a traumatic experience. ...

Do You Need Insurance to Drive Someone Else’s Car? (Videos + Data)Post

Do You Need Insurance to Drive Someone Else’s Car? (Videos + Data)

Do you need car insurance to drive someone else’s car? Yes, you do need car insurance to drive someone else’s vehicle. You can be insured either by the car owner himself or by non-owner car insurance. You do not necessarily need to take out a policy in your name. You can find and compare car...

Do you need car insurance to drive someone else’s car?...

Do car insurance rates increase due to points on my license?Post

Do car insurance rates increase due to points on my license?

The connection between the number of points on your license and insurance is simple — the more points you have, the more expensive your car insurance rates will be. However, your rates increase depending on where you live and your car insurance company.  Keep reading to find out how much your rates will increase after...

The connection between the number of points on your license ...

How much car insurance am I required to have if I still have a car loan?Post

How much car insurance am I required to have if I still have a car loan?

Usually, you only need to have enough auto insurance to meet the state’s requirements. However, if you’re insuring a financed car, your lender may want additional coverage. Lenders want to protect their assets until you finish paying the loan. Your lender will write their minimum requirements into your contract, but usually, lenders just want a...

Usually, you only need to have enough auto insurance to meet...

Do you have to buy auto insurance if you only drive occasionally?Post

Do you have to buy auto insurance if you only drive occasionally?

If you only drive occasionally, do you still have to buy car insurance? There are many reasons that a person may only drive from time to time. Age â€“ One reason is that they are a new driver, such as a teen, whose parents won’t let them drive regularly until they get some experience (and age)...

If you only drive occasionally, do you still have to buy car...

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Do you need car insurance with a learner’s permit? [Expert Advice]

Learning to drive is exciting. Getting a learner’s permit is the first step toward being a licensed driver and is a significant milestone in most people’s lives. However, with the privilege of driving also comes additional responsibilities, such as making sure you have insurance coverage. Getting cheap car insurance for first-time drivers can be tricky,...

Learning to drive is exciting. Getting a learner’s per...

What happens if I forget to get insurance for my car?Post

What happens if I forget to get insurance for my car?

Do you think that it’s not really a big deal if you forget to notify your auto insurance company when you decide to put your vehicle back onto the road and start driving it again without any current auto insurance coverage? Well, imagine this scenario: A friend came to me for insurance advice the other...

Do you think that it’s not really a big deal if you fo...

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How to Get Car Insurance for A Car You Don’t Own (3 Ways)

How do you get insurance on a car not registered to you? Figuring out how to get car insurance on a car not in your name is often a tricky situation. While everyone who owns a vehicle cannot drive legally without car insurance, some people question whether you can get insurance on a car not...

How do you get insurance on a car not registered to you? Fig...

Using a Car Insurance Reimbursement Check for DamagesPost

Using a Car Insurance Reimbursement Check for Damages

If your car is damaged in a way that is covered by insurance, such as through liability or collision coverage from an accident or comprehensive coverage following a hail storm, you will be reimbursed by the insurance company for loss within the limits set by the policy. Once your deductible is paid out, the insurance...

If your car is damaged in a way that is covered by insurance...

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Do I need insurance for a stored car?

If you own a vehicle and plan to keep it in storage for some time, you may wonder what you need to do about insurance. If you have a policy, should you keep paying the installments or do you need a different type of insurance in this situation altogether?  We know this can be confusing,...

If you own a vehicle and plan to keep it in storage for some...

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