Answer to this Question
Answer provided 4/11/2005 2:27:07 PM
Q.
If I have a valid drivers license (car, and motorcycle), but I don`t have a car or motorcycle registered or insured for a period of five years, will my insurance step number increase or decrease at all?
A.
Each company has different rating criterion. Typically, the rate won't be negatively affected, but you may not qualify for a transfer discount. Visit our knowledge base to find many answers to your questions:
http://www.carinsurance.com/kb/content10168.aspx
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Recent Car Insurance Questions
Q.
My car was parked in a parking lot while I was at work. While I was coming outside to go to my car, a woman said she hit a car, it was my car. She hit it when trying to back out of her parking spot. We exchanged info, but do I need to call my insurance company and file a claim?
A.
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Q.
I have a 2000 ford focus, how long should I keep it covered by collision Ins.
A.
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Q.
What is the typical length of time involved in settling a car insurance claim through the other party`s insurance when they are at fault?
A.
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Q.
my son was in an accident, that was determined to be his fault. some one was turning left and he was coming straight, he swerved to avois hitting her and he lost control of his car and rani into a fence on private propeprty. my son is 21 and was driving without insurance, he hadn`t paid his premiums in about 3 months. what type of problems can he expect?
A.
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Q.
I am currently posted outside the United States. I come home on leave, etc. and would like to drive my relatives` cars rather than renting. The catch is that they don`t all live in the same place: some are on the East coast, others on the West. As such, there is no point in getting my listed as an "occassional driver" on anybody`s policy. Is there any way that I can get insured, as a person, independent of the passenger vehicle I am driving???
A.
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Q.
Hi,
I was rear ended today morning - not called insurance co. Can my insurance rate increase even when it is not my fault ?
What if the person who hits me compensates me and I don`t make any claims ?
Please help.
Hitesh
416-867-3804
A.
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Q.
If a household owns 2 or 3 cars, is it cheaper for the oldest family member to insure all of the cars in his name, and then add the other cars drivers to his policy...vs...each carowner carrying his own car insurance?
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Q.
around how much a month would car insurance be if i have 2 points on my license and im only 17 about to be 18?
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Q.
Hi,
I hit a parked car while backing out of my driveway last night. The damage to the car I hit is not severe. The damage is the left front fender and was pushed in about 2-3 inches. The headlight was lightly scaped as well. My rear has bumper damaged. too. My bumper needs be to replaced. I am not sure what repair shop will do with the damaged fender (replace it or just pull out the dent.)
Question. Should I file a claim with my insurance company or pay for the repairs myself?
I exchanged basic infomation with the owner of the car? She is gave me a break because I was taking my son to hospital. He fell while running down concrete stairs steps and needed several itches above his knee.) He`s fine now!!
I am worried about paying money more in the long run because of higher insurance preiums since I live in New Jersey. The penalty could be huge. Oh.By the way, my driving record is clean.. No accidents or moving violations in the last 15 years..
A.
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Q.
Ordinary use of Vehicle. I am thinking of using my vehicle for business. What is the explanation on the policy. Is there several points of mileage such as business for 200 or 300 miles a week? Right now it says pleasure or not over more than 75 miles weekly. I am not sure my mileage and wondering if there were cut off points.
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Q.
My car was totaled in Feb in an accident. In April I was sent a good faith settlenment for my car ans a check for the amount. Now, 5 months later, the isnsurance company ajuster calls and says I was overpaid by about half of the amount and demanded repayment? i don;t have the money as I bought another car--how right is this/ I didn;t even get a letter--just a call stating that? Do I need an attorney? What is to stop them from saying it was wrong again? How bizarre! What do I do??Is there a statute oflimitaitons on these kinds of things?
A.
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Q.
My 11 year old daughter and I were hit by a semi and he just kept going. The police said they could not find him. Can I receive any pain and suffering payment from my uninsured insurance I have on my car insurance and will it also pay for my lost wages and my broken glasses?
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Q.
If I am in a auto accident and there is no fault, and my medical expenses exceed PIP and Medical Payment on my policy, what part of my policy pays my medical expenses.
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Q.
If someone else was driving your car and involved in an accident, the other dirver has no insurance does your uninsured insurance cover them for medical expenses,lost wages and pain and suffering?
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Q.
If you have SR22 insurance for a DUI in one state and then move to a new state and get SR22 insurance in that new state (with the same company) are you required to also continue to carry a policy in the state of the conviction?
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Q.
in the state of rhode island if my son who is a licensed driver borrows my car is my car still covered
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Q.
If I am driving a friend`s uninsured vehicle, but I have insurance, what will happen if we have an accident? If I am a passenger in an uninsured car, what happens?
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Q.
If I am driving a friend`s uninsured vehicle, but I have insurance, what will happen if we have an accident? If I am a passenger in an uninsured car, what happens?
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Q.
My husband drives his pickup for work to different places and also pulls trailers for his company? Does our personalauto insurance cover him for liability while doing this or is it excluded?
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Q.
Where can I find out the minimum required coverage for a passenger car in the state of Hawaii and how much a year`s premium costs?
Thank you!
-Steve
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Q.
My car was "stolen" out of an attended parking garage in NYC. By stolen, I mean they gave my car to someone claiming the car was theirs even though they did not have the ticket. Long story short, the car was recovered but declared a total loss due to extensive damage.
My questions are:
1.) Can I get reimbursed for the mechanical work I had done two months before the loss (brakes, tires, bearings, etc.)? These were not enhancements, but they also weren`t yet needed to pass inspection, just a good time to have it all done for me (or so UI thought).
2.) How do I go about getting paid for the stuff in the car? I don`t have much, but it still adds up. No receipts for the stuff (lots of CDs, some clothes, etc.)
3.) I feel the garage should be responsible for all of this (car, stuff in the car, portion of the rental that my insurance doesn`t pay for, inconvenience, etc.). Does my insurance company (State Farm in PA) handle this for me, or do I need to get my own lawyer? I don`t understand the distribution of responsibility between StateFarm Auto (car), StateFarm Homeowners (stuff in the car), and my own out of pocket additional expenses.
Any help is greatly appreciated.
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Q.
If I have my car completely paid off and i have full coverage and someone steals my car. Do I receive money back from the auto insurance? Please advise. Thank you.
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Q.
If I have my car completely paid off and i have full coverage and someone steals my car. Do I receive money back from the auto insurance? Please advise. Thank you.
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Q.
My vehicle just received hail damage and I do not intend to get it repaired--just pocket the money. My agent says I cannot carry collision or comprehensive on it, then. Is this correct? What if I change companies?
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Q.
I don`t own a car and never had a driver`s license in the State.
How much approximately would cost me to get a binder car insurance just for getting a driver`s license?
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Q.
My 17 year old daughter had an accident in the school parking lot. She was parked on a concrete plaza that is used for overflow parking during major school events. When she was backing the car out, she hit a fire hydrant, causing extensive damage to the driver`s side door and front quarter panel of the car. The repairs will exceed our $500 deductible (probably by a lot). There was no damage to the fire hydrant or any other vehicle. Any advice on whether to turn in a claim to our insurance company or pay for the repairs myself? My daughter has only been driving for 5 months and I`m concerned about the insurance company dropping her/us or drastically raising our rates. She is insured under our policy. My husband and I have been insured with the same company for 20 years and have never had an at fault claim.
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Q.
Someone hit my car while it was parked at a service station adn was not my fault. I am confused as to whether I shoulf file a claim on my insurace co. My agent says it might affect my rates, however this insurance co`s web site said a claim sould be filed in all accidents to protect your self. Also on my policy I am paying for car rental, but how can I get a car rental if I don`t file on my company.
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Q.
My son rolled his vehicle and the vehicle was determined to be totalled. He still owes approx. 12,000 on the vehicle, according to the blue book, it is now worth 9,000. Will he have to pay the difference or does the ins. pay the lien holder in full? Also, he had two passengers, they were transported to the emergency, they received thier medical bills, the claim adjuster says the passengers will have to pay their own medical bills. Is this true or should they seek legal assistance? The vehicle was covered 15/30 liablity/comp&coll.
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Q.
After coming home from vacation Memorial weekend my neighbors told me that their was a little accident. While mowing the lawn the lawn tractor got out of control and crashed into the side of our vehicle denting in and scatching the bottom of the drivers side door. We are going to take it up and have an estimate done on the damages. However, is something I should turn into my insurance company if the damages are more than my car insurance deductible? I hate to turn it into my insurance because I don`t want my rates to increase. However, since it wasn`t their car that hit us they can`t turn it into their car insurance either. i am just trying to make this the best for all parties involved. Any idea`s?
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Q.
Say I have car insurance on my own car and I use a friends car (their car is also insured). While driving my friends car I get in an accident. Who`s insurance do you use. Can I charge the accident to my insurance or does it go onto my friends insurance? I think you know what I`m asking. If its the cars insurance, so really need to watch out who drives your car. If its the drivers` insurance (who also has their own car insurance), you can be more lienient.
Thanks
Michael
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Q.
I own a 98 Jeep GC with 118,500 miles and plan to keep it until it dies on me. I have comprehensive insurance and recently filed a claim for hail damage to the driver`s side of my Jeep. The claims rep examined the vehicle, talked about replacing whole panels and wrote me a check for an amount just over the payoff value of my Jeep - I wasn`t expecting that much. My initial intent was to repair the damage minimally, but now with the amount of the check given I could payoff my Jeep loan. Should I decide to sell later, I would either incur the cost of the repair or deduct that from the sell price. What are the restrictions on use of claim checks? The insurance company has in effect reimbursed me for my loss, but because the vehicle is older and I plan on keeping it, is it considered fraudulent to use the money to payoff my Jeep loan and incur the expense myself later if I decide to sell and repair the Jeep? Had the amount been less, this would not be a question for me, but since it is the value of my payoff - it seems more logical to pay the vehicle off rather than spend that much money to repair something aesthetic. Or if I do minimally get the hail damage repaired and have a remaining balance, do I keep or give that back? My friends` argument is that the insurance company has reimbursed me for my loss and it is my choice how to use the money. I just want to be sure I`m doing what is right by understanding the claims process better. Advice?
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Q.
My first ticket ever was a DUI last Nov...stupid, I know. However, my ins policy was just renewed again and it doesn`t seem they are aware of this incident. I`d like to purchase a new car or possibly a motorcycle, but was wondering if that would trigger a DMV search and a chance of my policy being cxl`d. I`m currently leasing my car and thought if I just purchased it at lease-end it might help my ins cause. Any advice would be appreicated.Thanks.
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Q.
I was rear-ended and significant damage was done to my vehicle. Do I file a claim with my insurance company or with the offenders insurance company?
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Q.
I was driving and some guy hit the rear front fender and to off (hit and run)
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Q.
I own a 98 Ford F150 and a 97 Ford Taurus. The truck has a pretty nice resale value because of the 4 WD but the car is about $3200 resale--it has around 45,000 miles on it. My question is--is it smart to get rid of the collision insurance on the car?
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Q.
I have adui offense in NH but I live in Mass. I am required to get Sr22 to get my license back in NH so I can then get it back in Mass. Mass does not require sr22. How or where can I get a non operators sr22 policy that will provide the coverage needed by NH?
A.
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Q.
What is a the reimbursement from a secondary insurance payer once the primary`s benefits have been exhausted?
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Q.
What is the difference between Act 6 and trauma when talking about auto insurance payments?
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Q.
I recently had a laptop valued at $3400 stolen from my locked car. My auto insurance deductible is $500 for comprehensive. Would this be a valid auto insurance claim, or should I pursue it as a homeowners insurance claim... or should I just pay out of pocket for a replacement?
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Q.
what states in the united states offer up to 3 points off on your license if you go 1+ years no violations
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Q.
What are the amounts of FULL COVERAGE insurance in the State of California
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Q.
Does Massachusetts and New Hampshire take part in and accept the particapating in the "Online Driving Safety Courses"?
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Q.
I cracked the front bumper on my car. My deductible is $500 and the cost for replaceing it is $2500. Should I file a claim or pay out of pocket?
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Q.
I had my license suspended in Virginia for failure to insure a vehicle.I have paid all the according fines, and had to file an SR22. What is an SR22, and why if I did not have a dui was I required to file an SR22 with my insurance company?
Thanks,
Felicia
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Q.
if i am in an accident and it is not my fault, who pays the deductable on my insurance?
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Q.
will my uninsured pay for pain and suffering.
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Q.
I got a ticket last year on Oct. 2004. After I went to the court, I paid the fine and the court fee. But I didn`t know if my point is removed. Can you plesae tell me how I can know it.
Thanks,
Judy
A.
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Q.
If I have a valid drivers license (car, and motorcycle), but I don`t have a car or motorcycle registered or insured for a period of five years, will my insurance step number increase or decrease at all?
A.
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Q.
Exactly how is the "cash value" of an
auto determined after a total loss? Is there a standard table used in the insurance industry, and where can I find this information? I was told initially the high retail NADA amount would be used and deductions then made for deductible, any damage prior to loss, etc., and the buy-back cost, but when adjuster really went to work, this high NADA retail figures was not used at all. Thanks.
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Q.
i recently receive tickets for not wearing seat belt X2 and no current inspection sticker. does my insurance premium increase in NY state? increase insurance points? with these 3 vioations?
thanks
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