| 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...
09/03/2010
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| 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 ...
09/02/2010
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| 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...
09/02/2010
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| 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...
09/01/2010
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| 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 ...
09/01/2010
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| 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...
09/01/2010
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| 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...
09/01/2010
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| 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...
09/01/2010
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| 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 ...
08/31/2010
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| 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...
08/31/2010
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| 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...
08/31/2010
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| What is the maximum and minimum a person could be fined for driving solo in an HOV lane in southern California? |
| The California Driver's Manual describes a carpool lane as a special freeway lane only for buses and/or carpools. You may use a carpool, or high occupancy, lane or on ramp if your vehicle carries the minimum number of people required for that carpool lane or if you drive a low...
08/31/2010
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| If I am past 45 days since last insured by auto insurance what insurance company will be best suited for my husband and I. No tickets, no DUIs, no accidents, no violations at all. Just lost insurance cause husband was out of work. He is now employed again. |
| 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 needs. Many consumers have had to face similar situations in these hard economic times and comparing rates is one of the best ways to ...
08/30/2010
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| In Colorado what are the penalties for driving with no insurance second time? |
| The Colorado Division of Insurance (DOI) states that if you own an automobile in Colorado you are required to purchase auto insurance. By law, you are required to carry Liability insurance to provide financial protection in the event you injure someone else or damage someone e...
08/30/2010
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| I live in Arizona and currently have Auto, Home and an Umbrella policy with American Family. I often rent a vehicle in Canada or may rent in the US and then drive across the border into Canada. My American Family agent tells me that my coverage is for the US only and that they offer no insurance that would include Canada. Is this standard across the insurance industry or can I get coverage by changing insurers? |
| Many of insurance carriers in the United States are able to extend and provide coverage while their policyholders are visiting in Canada. The “Canada Card” needs to be obtained to use as proof of coverage. A yellow Non-resident Inter-Province Motor Vehicle Liability Insurance Ca...
08/30/2010
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| What is cheaper to have our 18 year old buy his own insurance or to have him listed as a driver on my policy? |
| It is usually cheaper to add a teenager to the parents’ policy, rather than be insured separately on their own policy. It is often easier and less expensive for a newly licensed driver to be added to their parent's auto insurance policy than to start up their own policy, espe...
08/30/2010
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| I got a ticket in Yonkers for an illegal U-turn how many points is it and will it go on license? I am a NY city license holder. |
| In Yonkers, or any other part of New York State, you receive 2 points on your driving record if you are convicted of an improper / illegal U-turn. So the violation conviction will go on your New York motor vehicle record (MVR) and be assigned points. The NYS Vehicle a...
08/30/2010
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| Is Trumbull insurance company a nonstandard company? |
| Trumbull Insurance Company is a subsidiary of Hartford Insurance Company and considered a standard company. The Hartford is a leading provider of life insurance, group and employee benefits, automobile and homeowners insurance and business insurance - as well as investment pro...
08/30/2010
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| What is the punishment of driving in Manitoba with a Saskatchewan learner's license? What can happen to you? |
| It would depend upon why you were stopped in Manitoba and what the offense was as to what the penalty would be. The Manitoba Public Insurance (MPI) office told us that you may drive with your valid Saskatchewan learner's license (Class 7) in Manitoba for up to three months and...
08/27/2010
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| Can I get auto insurance after a car accident? |
| Yes, you can get car insurance after a motor vehicle accident but the it will not pay for damages sustained in an accident that was before the inception or reinstatement of your policy. If you have been in an accident and are looking to buy an insurance policy that will ...
08/27/2010
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