Questions And Answers

If you have a question about car insurance, we'd like to help you find the answer. Search through our database of already answered queries, and if you still haven't found what you're looking for, do not hesitate to ask us directly.

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Does the Utah driver’s license meet the REAL ID requirements?

The REAL ID Act was passed in the wake of the 9/11 attacks. The law calls for an increased amount of reliability on the part of driver’s licenses issued by states. Each state has a different process and different requirements for getting a driver’s license. The REAL ID Act created minimum ... [more]

Does Ohio have an “implied consent” law?

When you are pulled over on suspicion of driving under the influence, you will be asked by the law enforcement agent to take a chemical test to determine your blood alcohol content (BAC). You are legally allowed to refuse to take this test. However, you will be subject to sanctions for taking this ... [more]

If I’m 16, can I get my Colorado driver’s license in less than a year?

Colorado, like most every state, has a Graduated Driver License (GDL) program that they use to help the new driver gain experience in a slow and steady manner. At the age of 16, you qualify for a Minor Instruction Permit. One of the conditions on getting your Minor Driver’s License is to hold ... [more]

What does vehicle registration cost in Rhode Island?

It is always helpful to know what your vehicle registration is going to cost before you show up at the DMV. Unfortunately, the Rhode Island DMV is not very forthcoming with exact pricing. A passenger vehicle registration is going to be based on the vehicle weight, prorated by date, and an ... [more]

How do I get a motorcycle license in Oklahoma if I’m 16?

Getting a motorcycle license if you are 16 is much the same as getting one when you are older. You need to show up to the DPS and have: • A Primary ID (usually your Birth Certificate) • A Secondary ID (usually your Social Security Card) • Social Security number • Completion card from ... [more]

How do I order specialty plates in North Carolina?

Specialty plates are great if you want to advertise your special cause and donate to it at the same time. Ordering specialty plates is as easy as ordering regular license plates and you can do it at the same time. You can also order online if you are so inclined. You will need to sign in to the DMV ... [more]

How do I register my car in New Jersey if I just moved there?

If you’ve just moved to New Jersey, you need to register your car as soon as possible. The first step to registering your car is to title in it New Jersey. You need to visit your local MVC and: • Complete the Application for Certificate of Ownership • Pay $60 Now you can register you ... [more]

Does Nebraska require vehicle inspections?

Many states require emissions and/or safety inspections. An emissions test will determine if your vehicle is generating too much air pollution. A safety inspection checks out your vehicle’s physical attributes. Things included in this inspection would be brakes, tires, turn signals, and ... [more]

Is talking on a handheld cell phone while driving legal in Mississippi?

While the majority of states have banned texting while driving, most states have been slow to ban the use of handheld cell phones. Part of the reason is the level of danger. While handheld cell phones make you about 8 times more likely to be in an accident, you are 23 times more likely to be in an ... [more]

What safety equipment does Massachusetts recommend for motorcyclists?

Massachusetts knows that motorcyclists are exposed to the dangers of the road in ways that a motorist is not. Therefore they recommend special equipment be worn by motorcyclists. The Massachusetts DMV recommends that you wear a DOT compliant helmet, a plastic shatter-resistant faceshield, and ... [more]

What are the requirements of the GDL program in Louisiana?

If you are under the age of 18 and seeking a driver’s license in Louisiana, you must go through their Graduated Driver License (GDL) program. You must complete a 38-hour driver’s education course before you can get a learner’s permit. If you are 17, you have the option of taking a 6-hour ... [more]

What are the point values of traffic violations in Iowa?

Iowa, like most states, uses a point value system to track traffic violations that you’ve committed. Once you are convicted of a traffic violation a number of points will be added to your driver’s license. The number of points will be based on how severe the violation is. Some violations and ... [more]

What actions can result in a license revocation in Idaho?

When you’ve committed a very serious traffic violation, the state of Idaho may choose to revoke your license. Your license in Idaho can be revoked for the following violations: • DUI • Use of a motor vehicle to commit a felony • Leaving the scene of an accident in which you were involved ... [more]

What should I study for the Florida motorcycle knowledge test?

In Florida, prospective motorcycle riders are required to take an approved motorcycle safety course before they can be licensed. You’ll be tested on the necessary knowledge as a part of that process. You will answer questions based on the information presented in class and on the Motorcycle ... [more]

What is the penalty for a third DUI in Colorado?

The amount of times you’ve been convicted for a DUI has a direct impact on the penalties imposed. For a third conviction of DUI in Colorado, you’ll be facing: • Jail – 70 days to 1 year • Fine - $900 to $1,500 • License suspension – 2 years • Ignition Interlock Device – ... [more]

How many points can I get on my license in Arizona before it is suspended?

Arizona has a point system similar to that used by other states. Point systems are ways for the DMV to track your traffic violations. Each time you commit a traffic violation, a number of points commensurate with the severity of the violation will be added to your driver’s license. If you ... [more]

What safety gear does Wisconsin recommend for motorcyclists?

Wisconsin requires certain pieces of safety gear for motorcyclists. If you are under the age of 18, you must wear a helmet. All riders must have eye protections, such as goggles, a windshield or glasses. In addition to these requirements, Wisconsin also highly recommends that anyone over the age of ... [more]

What should I study for the Washington State motorcycle knowledge test?

The best way to prepare for the motorcycle knowledge test is to take a motorcycle safety course. If you take this course, you will take the test as a part of the course. Upon completion of the course, you’ll avoid taking the knowledge test at the DMV and driving test. If you don’t want to take ... [more]

How do I register my motorcycle in Utah?

All motorcycles in Utah must be titled and registered. In order to title your motorcycle you must provide your: • Title signed over to you • Form TC-656 “Utah Title Application” • VIN inspection (if this is the first time it is being titled in Utah) Once you’ve gotten your ... [more]

What equipment does a motorcycle need to be legal in South Dakota?

If you want to legally ride a motorcycle on the street in South Dakota, it needs to meet the following requirements: • A permanently attached seat for the rider • Properly maintained muffler • At least one rear reflector • At least one rear view mirror • A horn that can be heard for ... [more]

Does Indiana require retests if you get into accidents?

Despite some recent calls for it, Indiana does not require that you retake your driving tests if you get into an accident. To require a retest for your license, you really need to have dropped the ball. If you commit a serious crime that involves a motor vehicle, you can need to take a retest to ... [more]

What kind of effect will a DWI have on my insurance in North Carolina?

If you have a DWI in North Carolina, you can expect that your insurance costs are going to increase by about 400 percent. However, that isn’t the only possible cost you will see for a DWI. You’re looking at: • Attorney fees – (range from $500 to $1,500) o These fees will be higher if you ... [more]

What is Smart Start?

Smart Start is a company that works with Ignition Interlock Devices (IID). These devices are installed in cars when the driver has either been ordered or volunteered to have one installed in their vehicle as a result of a DUI. The driver blows into a device that tells the car whether the driver has ... [more]

How does an insurance company determine different rates for cars?

When an insurance company offers you a premium, they are basing it on a variety of factors. The single biggest factor is you. Your driving history and personal information are the deciding factors. However, another big factor is your vehicle. Insurance companies will look to see what you are ... [more]

Does car insurance pay for towing if my car was stolen?

That’s really going to depend on what kind of insurance you have If you just have the minimum amount of car insurance, then you just have liability insurance, which doesn’t cover these costs. You need comprehensive insurance for this sort of issue. It handles conditions that are a result of ... [more]

I was rear-ended while I was on my motorcycle. I was not moving. The other driver fled the scene. I tailed him and he was arrested for a hit and run. I have called his insurance several times with no response. Should I notify my insurance company?

Yes! Always notify your insurance company of an accident where damage (especially significant damage) has been done even if it is not your fault. If you are in a no-fault state, you will be reimbursed immediately by your insurance company. If you are in a tort state, your insurance company will ... [more]

I hit another car at a light while travelling at 10 miles an hour. We pulled over and both agreed there was no damage to either car. I mentioned I would rather not get the insurance involved. Should I still report this accident to my insurance company?

This is strictly a judgment call in your case. Let’s look at the two scenarios—to report or not report. To report: If you report it, the insurance company will not do anything because there is no damage to either car. However, you will be on record for reporting it and your view of the ... [more]

When do I have to report an accident to the police?

If you are in a car accident, reporting requirements differ widely by each state. For example, in New York if there are damages of $1,001 or more, you have to file a report with the Department of Motor Vehicles (DMV) within 10 days of the accident. If there were injuries or deaths you must report ... [more]

I moved in with my boyfriend and he did a quote to add me to his policy. The policy automatically added me. I want to be removed from the policy and they will not do it. What do I do?

This varies by insurance company. However, in most cases you will automatically be added if you are a licensed driver in the household. This is because you have access and are probably in close proximity to the vehicle. However, with some insurance companies, the policyholder can request that ... [more]

Can I get insurance even though my driver’s license has been suspended?

Each state has different rules regarding this, as does each insurance company. When you complete a quote form, you will be asked the status of your license. It can be one of the following: Permit Valid Expired Suspended Revoked Foreign International If it is suspended, ... [more]

What will happen to my insurance if I get a DUI in Chicago?

If you receive a DUI anywhere in Illinois, at the least, your insurance rates will increase dramatically. Your policy may also be cancelled or non-renewed. As far as the penalties, (two cases are opened with an Illinois DUI, one in the courts and the other following an administrative ... [more]

If you get into a single car accident and your car is demolished, does your insurance premium go up?

After you report the accident and have the car repaired, the insurance company will assign points to your account. For example, an accident like this might be 4 points. When your points accumulate to the threshold where the company begins raising rates or assessing surcharges, then your premium may ... [more]

I just passed my test. Where can I get cheap new driver insurance?

You might want to look at this in two parts, where you can get the insurance and how you can keep the costs down. Where to get insurance Probably one of the easiest ways to get a sense of the price is to go to an online insurance quote website. There you can enter your information and ... [more]

Which states do not require automobile insurance?

Every state but one requires minimum liability limits. The state that does not require these limits is New Hampshire. According to the state published “Your Guide to Understanding Auto Insurance in the Granite State”: New Hampshire Motor Vehicle Laws do not require you to carry auto ... [more]

Does the insurance company notify the lienholder if they cancel my policy?

Yes. When a lienholder is listed on a policy, they in effect become an additional insured. That allows them to be notified if the insurance is cancelled so they can protect their interest in the vehicle which is collateral for the loan they gave ... [more]

Do you get a point for 50/50 at fault accident in California?

Probably. The DMV assigns points in California like this: One Point: This will be assessed if you are in an at-fault accident and for minor moving violations Two Points: Reckless driving, hit and run accidents, DUI and driving on a suspended or revoked license If you accumulate four points ... [more]

I hit her but she stopped at a green light. Am I at fault?

Yes. Anytime a driver strikes a non-moving vehicle, it is the fault of the driver. The driver is supposed to be in control of his/her vehicle at all times. Plus, a driver who rear-ends another vehicle is almost always at ... [more]

What does stacked car insurance mean?

Stacking insurance usually refers to the uninsured motorist bodily injury liability (UM) and/or the underinsured motorist bodily injury coverages (UIM). It is an option you can select that increases your limits for these coverages. Because it increases your limits, it will also increase your ... [more]

I carry a laptop computer around with me when I drive. If I am hit and the computer is damaged, will my auto insurance cover that?

No. Most auto policies specifically exclude computers. In fact, loss to any electronic equipment (unless it is a permanent installation in your vehicle) that reproduces, receives or transmits audio, visual or data signals is not covered. This includes radios, tape decks, CD systems, televisions, ... [more]

I want to add some special carpeting to my van. Everyone says it will increase my monthly premium. Is that true?

Not only is that possible, but the insurance will probably not pay out if the carpeting is damaged in an accident. A clause, under exclusions, in most insurance policies clarifies that. For example, this clause from a policy states that: We will not pay for loss to any custom furnishings or ... [more]

How high do my grades have to be to qualify for the good student discount and how much will I save?

Typically, insurance companies are looking for a 3.0 (B average) or equivalent. They will also usually apply a discount if you can prove you made the honor roll or Dean’s List. Other qualifications are that you have to be a full-time student and you have to submit proof of good grades at each ... [more]

What is the absolute cheapest car to insure?

If you live in Maine and drive a 2010 Mazda Tribute I (2WD), you will have the cheapest insurance in the country! That’s because Maine, at $902 for an average premium, comes in as the least expensive state to insure a car (Louisiana is the most expensive with an average annual premium of ... [more]

What documents do I need to bring to get my North Carolina license?

Most states require several basic types of documents. These documents, generally, are to prove that you are who you say you are. To get your driver’s license in North Carolina you’ll need four types of documents. These document types are: Proof of residency – the purpose of this ... [more]

How do I get a replacement license plate in Maryland?

The process for getting replacement plates in Maryland is painless. Unfortunately, you won’t be able to process the request online as you can with many other services. You’ll need to go to your local MVA office or mail them a filled out VR-009 (available here: ... [more]

What do I need to do to get a learner’s permit in Ohio?

In Ohio the official name for a learner’s permit is the Temporary Instruction Permit Identification Card or TIPIC. To get your TIPIC you’ll need to be 15 years and 6 months old. You’ll need to bring the following: Proof of your full legal name Proof of your date of birth Social ... [more]

What are the cheapest cars to insure?

People usually think the least expensive cars are also the least expensive to insure. Sometimes this is true and sometimes it is not. The annual least expensive car to insure list compiled by insure.com, features minivans and SUVs which tend to keep occupants safer in an accident. The vehicles ... [more]

Does my car insurance cover me if I rent a car?

While most car insurance policies transfer coverage to a rental car used by the insured, it depends on the policy and the company how far the coverage extends. For example, some policies provide coverage for vacations but exclude coverage if the car is being rented for business purposes. Some ... [more]

What cars are the most expensive to insure?

According to Insweb.com, the most expensive 2010 cars to insure are: Acura ZDX Audi TTS Audi A5 Cadillac Escalade Chevrolet Corvette BMW Z4 Lexus SC Jaguar XF Cadillac STS Dodge Challenger Vehicles that cost more than $80,000 were not included in this ... [more]

My license in Florida got suspended, how do I get it reinstated?

There are different types of suspension and with each one comes a different way to reinstate your license. If your license was suspended due to fines or non-payment of child support all you need to do is get current with the fine or child support, then pay a fee and you’ll get your license ... [more]

How long until I can retest if I fail my Pennsylvania driver’s test?

If you fail the written test in Pennsylvania, you’ll be able to retest the next business day. The test is only 18 multiple-choice questions. You’ll need to answer 15 correctly. I’ve always found that carefully reading the driver’s handbook is the best recipe for passing the driver’s ... [more]