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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What is the penalty for third DUI in Arkansas?

As you accumulate convictions of DUI, you’ll find that the punishments increase, sometimes by quite a bit. In Arkansas, your DUI will only count as a third if it has occurred within 5 years of the first DUI. The penalties for a third DUI in Arkansas are: • Jail – 90 days to 1 year (120 days ... [more]

What is the speed limit on unmarked roads in Alabama?

Alabama has a basic speed law that says you should not drive a vehicle faster than is reasonable under the existing conditions. You should always take the condition of the road, the weather, and your vehicle into consideration when determining a safe speed. The maximum allowed speed limits ... [more]

What safety equipment does Wyoming recommend for motorcyclists?

If you are under the age of 18, Wyoming requires that you wear an approved protective helmet in order to cut down on the chance of severe head and neck injuries. If you are over the age of 18, you are not required to wear a helmet, but it is highly recommended. All motorcyclists are recommended to ... [more]

Does Washington, D.C. require collision auto insurance?

Just about every state requires that motorists carry certain types and levels of car insurance. The most common type of car insurance required is liability insurance. For many states, this is the only type of insurance they require. Washington, D.C. requires liability, but it also requires that you ... [more]

What happens if I don’t have car insurance in Vermont?

If you are uninsured in Vermont, you’ll be fined and have two points added to your driver’s license. If you don’t have proof of insurance, you have 15 days to provide the proof or suffer the above consequence. You can lose your license if you are uninsured and involved in any of the ... [more]

Does Tennessee require helmets for motorcyclists?

Motorcyclists are exposed to the road in ways that regular motorists never are. This exposure has resulted in a sharply increased chance of head or neck injuries to motorcyclists. Because these types of injuries are the most likely to result in the death of a motorcyclist, some states have chosen ... [more]

What is “velocitizing?”

Velocitizing is when you begin to feel that you are going slower than your actual speed. This is most common when you are on interstates for a length of time, especially if you are using cruise control, and thus remaining at a constant speed. This is dangerous because you if you think you are going ... [more]

What is the speed limit on unmarked roads in Oklahoma?

Oklahoma follows the basic speed rule. This means that you cannot go faster than the conditions would dictate, regardless of the speed limit marked. Failure to do so can result in a fine up to $384.90 and 30 days in jail. With that said, the following are the maximum speeds allowed: • Four-lane ... [more]

Does North Carolina require vehicle inspections?

Yes, North Carolina requires that vehicles undergo inspections. All vehicles less than 35 years old must undergo a vehicle safety inspection. Vehicles registered in certain counties are also required to undergo On-Board Diagnostic Emissions Inspections (OBD). This test will determine if your ... [more]

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

If you want to get a motorcycle license in New Jersey and are under the age of 18, you must take a Motorcycle Safety Education Program Basic Rider Course. You can find more information on the MSEPBRC at the New Jersey Safe Ride website. However, you must be at least 17 years old to get your permit. ... [more]

What motorcycle safety equipment does Nebraska recommend?

Nebraska takes the safety of motorcyclists very seriously and has enacted a universal helmet law. This means that all individuals riding a motorcycle or moped must wear a protective helmet that meets the federal standards. In addition to this requirement, the state also recommends that you wear ... [more]

When was the Mississippi Department of Public Safety started?

The story of the creation of the Mississippi Department of Public Safety is involved tale. In brief, it was started through Senate Bill 161 on April 1, 1938. It created the Mississippi Highway Safety Patrol, under the control of a Commissioner of Public Safety. The law created provisions for 53 ... [more]

What are the point values of traffic violations in Massachusetts?

Massachusetts has a slightly different point system that most states. While the point system still tracks your traffic violations, the system is called “surchargeable events” and they directly affect your insurance. Receiving a number of surchargeable violations can result in a license ... [more]

What actions can result in a driver’s license revocation in Louisiana?

In some states if you commit a serious enough traffic violation, your driver’s license will be revoked. When this happens, you have to undergo the driver’s license process all over again in order to get your license back. Louisiana doesn’t really have a license revocation system set up. They ... [more]

How many points can I get on my Iowa driver license before it is suspended?

Whenever you commit a traffic violation in Iowa a number of points will be added to your driver’s license. Accumulate too many points and your license will be suspended. The number of points added to your license will vary based on the severity of the violation. Once you accumulate six points in ... [more]

What should I study for the motorcycle knowledge test in Idaho?

The best way to pass the knowledge test for the state of Idaho is to take a motorcycle safety course. This way you’ll gain all the knowledge that you need from experts in a structured classroom environment. If you don’t like classes, you can always study the Motorcycle Manual yourself. The test ... [more]

Can I use my girlfriend’s address for car insurance?

It sounds like you’re asking if you can put down your girlfriend’s address instead of yours when you are applying for car insurance. If so, then no, you cannot. In fact, falsely giving an address to your insurance company is a form of insurance fraud. Your premiums are, in part, determined by ... [more]

Will having a high-risk spouse impede my ability to get car insurance?

A person is usually considered high risk if he or she has been in a number of accidents or have committed a number of traffic violations, usually serious ones. Having a spouse like this will likely affect your car insurance search. Some insurance companies may decline to take you, but most are ... [more]

What kind of life changes warrant telling my insurance company?

People’s lives are changing all the time and it can be difficult to remember who needs to know. However, your life changes can have an impact on your insurance. Failure to notify your insurance company can result in a cancellation of your policy. You should always notify your insurance company if ... [more]

What do I do if I’m in an accident and we agree to pull off the road, but the other person speeds away?

Well, you did the responsible thing and tried to get your vehicles off the road after a minor fender bender. Unfortunately, it sounds like the other person just planned to use your law-abiding actions to get him or herself out a situation they likely caused. Whenever you are able to move your ... [more]

Why do I keep hearing that women in the UK should shop around for insurance?

Everyone should periodically shop around for car insurance. Your company may have offered you a good deal when you signed up, but is it a good deal today? You need to ask that question and see what kind of deals others are offering. However, this year in particular is important for female motorists ... [more]

Should I extend a CPO warranty?

CPO stands for Certified PreOwned. This type of warranty is extended as proof that a vehicle has passed a number of tests by the dealer who may have conducted his own repairs on the vehicle. Really, this is going to depend on the warranty itself. What does the warranty include? How much are they ... [more]

Will the Ford MyKey technology lower car insurance costs?

Ford MyKey allows parents to set certain limits on the car, making it less likely that a teen driver will be able to engage in unsafe activities. It is a recent technology and has only recently been introduced in the U.S. At this point, it is hard to say if having a Ford equipped with MyKey will ... [more]

What are the major car insurance companies?

One way to size up insurance companies is by how much of the market they have control over. If you’re ranking insurance companies by market share, they rank up just so: 1. State Farm – 18.7% 2. Allstate – 10.2% 3. GEICO – 8.5% 4. Progressive – 7.7% 5. Farmers – 6% 6. Liberty ... [more]

What is a North Carolina permanent license plate?

North Carolina has a class of license plate that is called permanent. They come in two types: silver and yellow. Silver plates are issued to local government agencies, law enforcement, and religious organizations. Yellow are for vehicles in the state motor fleet. The plates cost $6 and never have ... [more]

Does my car need insurance to be towed?

No. If your car becomes inoperable while you are driving it and you do not have towing insurance, you can just call your service station or a towing company. They will tow it where you want it to go but you will pay for it. If you have towing coverage, you will pay for the tow charge and submit ... [more]

Do you need an appointment to take your road test at the DMV?

This will vary from state to state. Some states recommend setting up an appointment to make sure you can get your test in that day. Others, such as Pennsylvania, require that you schedule an appointment. To see which is the case you may wish to contact your DMV to find out for sure. You can ... [more]

I have a pet that travels with me. What happens if I get into an accident and my pet gets hurt? Will the insurance pay for the damage?

By definition, pets are classified as personal property. The way they would be treated depends on the claim: You can make a third party claim (a claim to the other driver’s insurance) for your pet’s medical bills. That goes to the concept that states liability insurance must place you back ... [more]

Can I just scribble out a mistake I made while filling out my car title?

You cannot scribble anything out on your title. You also can’t use whiteout or any other corrective device. It would invalidate the title. You may be able to get an addendum from your DMV that explains the error and submit that. Otherwise, you’ll need to get a replacement title and fill ... [more]

What do I need to do to get my license reinstated in Colorado after a DUI conviction?

The requirements vary based on your age and the number of incidents you have had. If you were under 21 and this was your first conviction then you must meet the following conditions: You must complete an Application for Reinstatement (DR2870) form $95.00 reinstatement fee SR22 for one ... [more]

How do I file a hit and run report with my insurance? I have full coverage, there was damage to my car and I was hurt. Will my insurance cover that?

If by full coverage you mean you have collision insurance, in the case of your vehicle damage, your insurance will cover that claim. You will have to pay the deductible, though. For your own medical injuries, you would need to have purchased a coverage called medical payments. This is usually set ... [more]

How is classic car insurance different from regular insurance?

Classic car insurance varies from normal insurance in two major ways. The first difference in how value is determined. While normal cars depreciate in value, classic cars appreciate in value. Traditional car value is determined by “actual cash value”. This takes depreciation into ... [more]

My lien holders signed off on my title that I paid them back, how do I get their name off my title?

You’ll need to take that title to a DMV and fill out an application for a new title. What form this takes and what other information you need varies from state to state. You’ll also need to pay the titling fee in your state. Congratulations on owning your vehicle free and ... [more]

Can anyone tell me how to get quotes for Nevada Auto Insurance?

There are three ways to receive quotes for auto insurance in Nevada: Type in Nevada car insurance in a search engine and you can get a quote online. Type in Nevada car insurance agents in a search engine and you will receive a list of agents licensed in Nevada. Then contact one of them for a ... [more]

How much would car insurance cost on average for a 19-year old male, living on his own, driving about 40 miles a day and with no traffic violations?

You didn’t indicate your state but the average nationwide premium for car insurance is about $1,541 per year. But, insurance costs are based by state, car make and model, and driver gender among other factors. It also will pay to get several (3 to 5) quotes, since even within the same state, ... [more]

How much will my insurance go up because of a speeding ticket?

Many factors are used to determine a rate increase resulting from a speeding ticket. For example, if you have a good record with a good insurance company and can have the ticket expunged from your record by attending a driver safety class, you might not see any increase at all! In general, ... [more]

Could I get car insurance before having a car?

If you know all of the details (make, model, year of the car, VIN number) then you will want to establish the insurance prior to picking the car up. All states but one (New Hampshire) have mandatory auto insurance coverage limits you have to purchase before you can drive legally. (Even New ... [more]

If I slightly underestimate my estimated annual mileage, am I committing fraud?

No. Those mileage figures are just estimates. However, contact your insurance company with the actual mileage and they can adjust the rates, if applicable. Chances are your premium change, if any, will be ... [more]

I have a DUI. Will my insurance cancel me?

No. They may opt to non-renew. However, if there was no accident, you might just see a rate ... [more]

Do I have to respond to an insurance quote? The quote has a respond by date.

An insurance quote does not require a response. It can be ... [more]

What happens if I get hit by an uninsured driver?

Most states require that all drivers have insurance. However, that does not prevent people from driving without insurance anyway. For example, in 2004, an average of 14.6% US motorists drove uninsured. However, the percentage varies widely by state. In that year, for instance, Mississippi had the ... [more]

How do I get auto insurance if I move to another state?

Each state is so different regarding insurance laws that car insurance has to be switched to the state of residency. Plus, cars cannot be registered with the new state without proof of insurance. It will be like applying for insurance anew. Take all of the information from the old policy (VIN, ... [more]

My friend hit my car. It damaged the bumper pretty well so I’d like to have it repaired.

There are two things that could be done in this scenario: · Ask the friend to pay for it without reporting it to his insurance. · The friend has his insurance pay for it. The insurance will probably be higher at renewal—maybe as high as 10 to 20% depending on the damage amount. In ... [more]

I have a 2007 Nissan Versa S that I owe 6k on. I got into an accident and my car was declared a total loss. According to the Kelly Blue Book, suggested retail for the car is about 10k. Will I get that much?

No. The vast majority of insurance policies insure cars for actual cash value (ACV). Actual cash value is defined as follows: · The cash it takes to fix or repair a car. · If the car is declared a total loss, it is the value of the car minus it’s depreciation at the moment prior to ... [more]

Why did my car insurance company ask me to provide them with a voided check?

This is requested if they will be debiting a checking account for the amount of the monthly insurance premium. If the premium is paid that way, there will usually be a premium ... [more]

Is it true that when you take drivers education at school you get discounts in your teen auto insurance?

Probably not for the usual drivers education offered by the school. However, some insurance companies may offer a discount if driver’s education over and above that is taken. The big discount for teen drivers is the good student discount. It can be as much as ... [more]

My car was wrecked and the insurance claim adjuster is coming to look at it tomorrow. Do I have to be there?

No. The adjuster will come up with the same estimate whether you are there or ... [more]

I just moved to Michigan from Illinois have been told that I have to purchase PIP coverage. What is that?

PIP means Personal Injury Protection. It is a form of no-fault insurance mandatory in some states (such as Michigan). Within the agreed upon limits, it covers medical costs, funeral expenses, survivors payments, replacement services, and lost wages of the insured, passengers and any pedestrians ... [more]

I just got a job as a driver for a messenger company. I have to use my own car pretty much all day while working. Do I need to tell my insurance company?

Yes. Otherwise, you run the risk of not being covered if there is an accident on the job and you originally stated the car was just being used to and from work or for pleasure purposes ... [more]