Saturday, March 28, 2009

Do I need to declare 3 points when renewing car insurance with the same company?

I have three points on my license and have had them for over a year. Last year when it came to renewal time they sent a quote and never asked me so I just accepted. If I am in a major crash and was to kill someone or cause major injury or something (hopefully I won%26#039;t but you never know), would the insurance still pay out? It%26#039;s now time to renew again.... should I let them know now or not bother?
Do I need to declare 3 points when renewing car insurance with the same company?
You need to tell them, it is a material fact.





Failure to disclose a material fact could void your insurance.





Driving without valid insurance can put you in a lot of trouble.
Do I need to declare 3 points when renewing car insurance with the same company?
In short the answer is yes, you do need to declare them for your insurance to be valid.





This falls under a legal requirement that says it is your responsibility (not that of your insurers) to declare any unspent driving convictions. (Most convivitions are spent after a period of 4 years)





This means that even if your insurer does not ask about convicitons you are guilty of concealment if you do not declare them.





Countless people do not declare driving convictions to their insurers, what you need to ask yourself is it really worth the risk of driving with unvaild insurance for the sake of saving a few extra pounds on you premium?
Reply:yea you got to tell them
Reply:Your insurance company will receive a report from your state DMV, so no worries. They can%26#039;t drop you for not revealing something like that... (they can drop you for the actual ticket that got you those 3 points) now if you lied outright and said that you didn%26#039;t have anything, that%26#039;s insurance fraud and when you commit it you let your insurance company off the hook for covering you in an accident.
Reply:You don%26#039;t need to tell them, they already know about it.

Cherished Number Plate History?

Is there a way of tracing the history of a cherished number plate? I have recieved one as a gift and am interested in its past, especially the first vehicle it was registered to.





Cheers
Cherished Number Plate History?
gh
Cherished Number Plate History?
Its not generally possible from DVLA





If its a cherished, try google, as it may have been shown or advertised before.





I found some J1MNY history on the net, then you can email people etc.





Go on, show off, whats the reg you have? I have my name on one car and a classic old plate on the other.





You never know, someone may recognize it, try asking the question again but put the REG in the Title!
Reply:try dvla
Reply:yes, you can - it%26#039;ll cost you 拢5.00





http://www.dvla.gov.uk/media/pdf/leaflet...
Reply:Erm no you can%26#039;t because the information is data protected. The fee paying enquiry will give you the vehicle history not the number plate history

When a car is totaled why don't the insurance companies use the Kelly Blue Book to figure the value?

I%26#039;m in California, I was told they use a sytstem of finding 8-10 cars with your specs (year, mileage, extras, etc..) and then average it out for the value of the car....I know the condition of the vehicle prior to the accident could come into question however this process seems to tilt toward in the insurance companies favor......thoughts?
When a car is totaled why don%26#039;t the insurance companies use the Kelly Blue Book to figure the value?
Yes... Insurance comanies want to give you as little money as possible so they will use a system where they can give you as little money as possible.
When a car is totaled why don%26#039;t the insurance companies use the Kelly Blue Book to figure the value?
Ofcourse it tilts towards the insurance companies, duuh!!
Reply:Because it is not the Blue book value they look at, it is the blackbook. The Bluebook is marked up similar to retail. Car Dealers used that as a selling tool. When buying a car or whatever, always look up the blackbook value.
Reply:thats why they are worth millions...they dont get that way by giving away money...insurance companies are run by satan.
Reply:Kelly Blue Book really isn%26#039;t that accurate. most insurance companies use www.nadaguides.com They use a book version rather than the website, because the books are more accurate. If you go to www.nadaguides.com and type in your car with all of your options, look at the average or clean retail value of the vehicle and that will give you a good idea of what the car is worth assuming that it is in average condition. If the vehicle has damage not related to the accident, then that will lower the value of the car.
Reply:There are two Kelly Blue Books.


One is the resale value of the car and the other is the wholesale value


the wholesale value is the lesser value and is what the insurance co uses when they pay you.


The Resale value is what you could expect if the car was cherry.
Reply:kellt blue books are estimates. they is so much more to factor in the equation.


how many miles, other damages and maintence to name a few.


yes any company will favor themselves in judgments. if you want to you can always fight it, but expect to lose.


insurance is mainly to protect yourself from the other person when you are at fault.
Reply:Insurance adjusters do not use the Kelly Blue Book because it only list estimated values of a vehicle. Insurance adjusters do not use the Black Book either. If they use any book at all, is is the NADA, (National Automobile Dealers Association). The NADA book gives the base value of a automobile and also includes the figures for vehicle options and how much do deduct for certain things, such as high mileage, and to add for certain things, such as alloy wheels, luggage racks, low mileage, etc. Yes, the NADA does list those little things that we don%26#039;t think about where the other books do not. Depending on how your states laws are written, Insurance companies are required by law to give you a fair value. and also required by law if the damage estimate exceeds 75% of the value, they are required to total it. Now what I just said may or may not be the case in your state, as I said, it all depends on how your state%26#039;s laws are written. I hope this helps.





Additional Info:





Jer13


What you are saying about they look at 8 - 10 cars and figure a value from those does not make sense. I have never heard of that, honestly that sounds to me like a bunch of insurance B.S. to me. I would like to advise you to contact a attorney and ask him to advise you of your rights in this matter under California law. Remember, you are one against a insurance company. Insurance companies do want to give you as little as possible for your car. Dont let them screw you over. If your car is a 07 with 8k miles, you should get a darn good settlement. Plus, it would be advisible for you to do your own research. Look up NADA on the web at NADA.com. use it to get an idea of your vehicle%26#039;s value and that way you will be armed with some information when a settlement is offered to you.

Car accident..?

I had an car accident today and the 1 of the passenger door is damaged. And the person in the car didn%26#039;t stop but went straight away.





Do you lot think that the insurance will give me money or repair the car.
Car accident..?
no you need a crime number of the police, also they may think your telling porkies, arnt you.
Car accident..?
I reckon they%26#039;d repair the car. Not entirely sure though!
Reply:You may have to pay the excess.
Reply:First you need to report the incident to the police because failing to stop after an accident is a crime.


Then you put in an insurance claim. The assessor will decide if a rpair is economical, if not the car will be written off.
Reply:They are required to give you the money if that%26#039;s what you want. It is your choice, not theirs. If you have a $500 deductible and the damage is estimated at $1,000, they will only give you $500.
Reply:if you are insured fully comp. they will pay out but you will lose your no-claims bonus . weigh up which is more cost-effective
Reply:you will need to contact the police, or rather u shouldve as soon as it happened, you shouldve got description of the other car involved even the colour. then get crime number and contact insurance company. if they write your car off it would need to be more severe damage than a door unless its an old car and it would cost more to repair than writing it off but this process takes weeks and u will get what the car is worth not what it is insured for. or u will have to pay excess and get it repaired.....





of course there may always be the thing that your in the poo and trying to get out of it????????????
Reply:hi mate glad no one got hurt get a crime number off police you may only have to pay excess good luck
Reply:did you get their details or did they literally carry on without stopping, l had a similar experience where as my daughter opened the door and took a ladies mirror off her car , it scratched all her door but did no damage to my car at all, we swapped details and l thought l was for the high jump, she never contacted me and neither did her insurance company. l think that she thought that she was to close to my car and the fault was with her. l think its a bit of a dodgy area, and to be honest l would have protested if it had gone further and she tried to blame me,as in my eyes the other driver should be ready to stop, or be at a safe distance just in case the invertible happens. good luck with your case hope everything turns out right for you
Reply:I hope you got some details of the car that hit you. You are the victim of a hit and run which is a felony crime. Anytime someone hits you and does not stop, it is their fault, no questions. I just hope you got info about the car that hit you and called the police. Your insurance should pay for the damage, but they may also try to find the person who hit you by hiring a privite investigator.
Reply:HELLO





CONTACT THE POLICE AND REPORT THE OTHER PERSON FOR FAILING TO STOP AT THE SCENE OF AN ACCIDENT AND AT THE SAME TIME GET A CRIME REPORT NUMBER





TAKE THE CAR TO AT LEAST 2 GARAGES AND GET WRITTEN QUOTES (A QUOTE CAN ONLY BE ALTERED BY UP TO 10%)


AN ESTIMATE IS NOT WORTH THE PAPER IT%26#039;S WRITTEN ON AS THEY CAN ALTER WITHOUT LIMIT





IF THE OTHER CAR IS NOT TRACED AND YOU HAVE FULL COMP INSURANCE TAKE CRIME REPORT NUMBER AND BOTH QUOTES TO YOUR INSURANCE.


IF YOU HAVE TO CLAIM ON YOUR INSURANCE THEY WILL PAY THE REPAIR BILL MINUS YOUR EXCESS


IF THE OTHER CAR IS TRACED YOU STILL NEED TO CONTACT YOUR INSURANCE COMP WHO SHOULD THEN TAKE OVER,


ONLY IF YOUR SON OPENED THE DOOR AND SHE DROVE INTO IT THEN HER INSURANCE MAY PUSH FOR TIP FOR TAP ie YOU BOTH CLAIM OFF YOUR OWN INSURANCE.


MAIN PROBLEM IS IF YOU ONLY HAVE THIRD PARTY FIRE AND THEFT AND THE OTHER PERSON CANNOT BE FOUND YOU WILL NOT BE ABLE TO CLAIM. THE SAME IF YOU END UP TIP FOR TAP


SHE WILL BE PROCECUTED BY THE POLICE FOR LEAVING THE SGCENE OF AN ACCIDENT


IF YOU HAVE DIGITAL CAMERA TAKE PHOTOS OF ALL DAMAGE FROM ALL ANGLES
Reply:I%26#039;m not an expert on this, but I would suggest you take a tour here,there are expert%26#039;s tips over there.http://car-insurance.easyideas4u.info/ca...

I ran a red light and hit some one who had no insurance and no license and i live in california. am i at fault

i have mercury insurance and i need to know whether im still liable for the accident
I ran a red light and hit some one who had no insurance and no license and i live in california. am i at fault
The fact that THEY didn%26#039;t have insurance doesn%26#039;t absolve you of your action.





As you said your at fault so you are liable. Just be happy if they just ask for car damages instead of medical too.








Good Luck....
I ran a red light and hit some one who had no insurance and no license and i live in california. am i at fault
do you know what a red light means? you ran it so yes you are at fault.
Reply:Yes it is your fault and you are liable.................UJN
Reply:your still at fault although they may not make much of an issue of it since they had no ins. or license.
Reply:what makes you think you WOULDN%26#039;T be liable for the accident? example: i don%26#039;t pay my electricity bill. my neighbor tries to patch into my electric box and steal my electricty bypassing the shut-off switch they have in place for me, as a result he gets caught. is it my fault my neighbor got caught?
Reply:My first question to you is -%26gt; Are you sure the light was red for you? Were there any witnesses? If there were no witnesses, then it%26#039;s your word against the other driver%26#039;s word. If you told your insurance company that you had a yellow or green light, then the other party might have ran the red. Being that the other party did not have insurance, your credibility would be a lot higher than him/her. Again, please think REALLY hard and try to remember if your light was really red or was green/yellow? I hope you haven%26#039;t given an official statement to your insurance company yet until you had time to clear your head and realize exactly what color your light was. Good luck!

Taxing a hire car?

Does anyone know that when you use a courtesy car and the tax runs out, is it automatically taxed by the company that has let you use the car?
Taxing a hire car?
Yes, it%26#039;s their car, they have the paperwork, they are registered keepers, they deal with it.
Taxing a hire car?
Yes it is their responsibility not yours.
Reply:yes they need to do it as they have the v5 docs.
Reply:Taxing the car is the responsibility of the hire company but, if you drive the car without an up to date tax disc you are liable to prosecution if stop by the Police because you are the one who is committing the traffic offence.
Reply:its their car and their responsibility but if the tax is out dont drive it on the road ring them up and demand a replacement vehicle immediately after all you are paying for something you cant use
Reply:Not your problem if you say you never noticed that it wasn%26#039;t taxed.


However if you know about it then the police could argue that you shouldn%26#039;t have driven it knowing that it wasn%26#039;t taxed.


Remember even if the car is taxed it is still an offence not to display the disc
Reply:im sure they would be very pleased if you offered to tax the car for them, but no!! its not your problem it theres!

Driver's ed help?

I have a few questions i could use some help on. when driving at night, what do you need to consempate for? What are the foundations of effective driving? and How can you fight fatigue while and before you drive? Thanks!!!

Getting MY LICENSE HELP?????????

A few months ago it took me 3 times to pass the written test lol


1st time i only missed two more than i was suppose to than second time i missed one more than i was suppose to than the 3rd time i finally passed. ( ive just always been bad with taking test)





than i finally got to take my driving test. and i failed that 3 times.





believe me im not a bad driver at all i just get intimidating i guess you can say when im driving with the instructor because all the ones i had were ***-holes!





im a really good driver, i drive alot even tho i dont have my license lol. stupid i know but i cant count on my parents to take me anywhere.





im going to try and get my license again this summer





the question i have is since i failed the driving 3 times





does that mean i have to take the written test all over again?!





im really hoping not because that means i have to go through the whole damn process again!! and study AGAIN plz let me know if u know what i have to do to get my license!





thanks, btw im19
Getting MY LICENSE HELP?????????
I think the rules vary based on the state in which you live. Call your BMV, they can tell you. or google your bmv online, they may hace a website with FAQ%26#039;s

Permit question !!!?

ok so i did my test on friday and i passed it and in the page said that my certificate of the drugs and alchohol course was proccessing but i still havent got it by email.so i call my friend and she said i could go to the drivers office w/o the certificate cuz it didnt matter cuz they have it in records is this true can i go w/o it?
Permit question !!!?
absolutely wrong, you have to wait, they take it from you in the office

How much does your car insurance cost?

I want to see by how much i am overpaying. How much do you pay a month, where do you live, and what type of car do you have?
How much does your car insurance cost?
97 honda accord, 95 Jeep Cherokee 4 drivers, 1 of them under 21 full coverage 130 month
How much does your car insurance cost?
shop around to get the best price everybody is different and it depends on where you live
Reply:17 years old, celica, more than 300usd per month...^^..
Reply:insurance is a complicated matter and you can%26#039;t compare payments like that. lets say you find somone your age, with your car, your driving history and living in your area. Now you need to know what are their bodily injury limits? property damage limits? do they have medical payments? how much? what about personal injury protection? what are their conditions on that? do they have comprehensive coverage? collision? what are their deductibles? do they carry towing and labor? rental reimbursement?





the best way to find out if you%26#039;re overpaying is to know what you are paying for. find out those things i listed and then shop around.
Reply:The only way you can compare with someone else, is if your history is the same!





I%26#039;m 51 and own 2 vans. I pay $468 a year for both! That is because I%26#039;ve never had an accident, never even a ticket! I have an R1 rating, which is the best.
Reply:too much


this post would be better suited in polls and surveys
Reply:For automobile insurance the obvious way to get a fantastic rate is do a rate comparison on car policies. Make sure that you pick similar policies with the same deductibles, auto model, location, etc so that all options are an accurate comparison.



What I most often recommend is an internet comparison quote at http://www.lowratetoday.com since they have discount insurers and will give multiple quotes on car insurance polices.
Reply:I am a 22 year old male and I live in Houston, TX. I drive 2008 Honda Civic EX and I pay $140 a month with Geico.





If you feel like you are overpaying, you can always do some research online. I would compare quotes for 3-5 different insurance companies to see if you really are overpaying. The site below is a good resource because it allows you to compare quotes for all of the insurance companies in your area for free.
Reply:very intereting question.Suggest you have a look here for useful tips.http://car-insurance.online-tips.info/ca...
Reply:I pay 80$ per month for my 2006 Toyota Campry. Here is my insurance policy - http://carinsurance.yoll.net

How can I get A Free report on a motorcycle (previous owners)?

How can I get A Free report on a motorcycle (previous owners)?


How can I get A Free report on a motorcycle (previous owners)


Question Details: I need to obtain a history of previous owners on a motorcycle. I need to find out who purchased it. It is not a new bike. I had 9k stolen under my watch at a business I manage. Within days an employee with a previous record and no money came in with an expensive custom bike. We had him take a lie detector test witch he did not want to take at first, and passed it. He since has been fired. I need to contact the previous owner to see if it was just bought or not. He claims it is his brothers bike. For many reasons it does not appear true. Your help is greatley appreciated. I only have the make and plate number. THANKS!

Can You Get Out Of A Car Lease For Health Reasons?

My mother is 75. She cannot drive anymore due to health reasons. My idiot brother talked her into a car lease a year ago. Since she is sick, is there anyway she can get out of this lease without paying aton in penalties?
Can You Get Out Of A Car Lease For Health Reasons?
Probably not. Looks like brother was looking for a car to drive. But unfortunately, if mom signed she will be responsible to any return penalties.





I%26#039;d go talk to the dealer and see what, if anything, they are willing to do for you under the circumstances.
Can You Get Out Of A Car Lease For Health Reasons?
You would have to look at the original lease documents but I highly doubt that there is an exit clause due to health reasons. However, all is not lost - there are websites out there that you can use that will allow other people to buy out the lease from your mother. They seem pretty legit but I personally have never use them. Try looking at www.swapalease.com and www.leasetrader.com. Good luck!

Can I drive in Arizona with a Illinois driver's permit?

If someone is with you that has a license
Can I drive in Arizona with a Illinois driver%26#039;s permit?
Unlike a license, other states don%26#039;t recognize drivers permits. You might get away with on a border state, but IL isn%26#039;t going to recognize AZ permits.
Can I drive in Arizona with a Illinois driver%26#039;s permit?
Arizona is actually one of the few states that will not honor any out-of-state permits. Sorry. http://w3.lphs.org/academics/dept/driver...

Where is the best place to go for driver's ed classes in or near westerville ohio?

ive had my temps for six months and i need to start driver%26#039;s ed.


im not sure where the best place to go is.


i want to go somewhere with good quality.


price isnt of much significance.


please help me out.


thank you.

How can I find out what an old cdl drivers license number is from another state.?

Do they keep that information on file for a while because its been ten years since the first one.
How can I find out what an old cdl drivers license number is from another state.?
Generally, you can%26#039;t. It%26#039;s restricted information if they do have it on file, and CA is among the most paranoid of states when it comes to giving out information, even to those having a right to have it.
How can I find out what an old cdl drivers license number is from another state.?
no
Reply:all the DOI (Dept of Insurance) in that state with your social and last address you had in that state - they should be able to get it for you.
Reply:They will keep your info indefinately. If it is not on computer record, they archive it on a hard copy somewhere. Now, the task is to obtain that info from the DMV. I would contact a Notary and see what form(s) you would need to fill out.





good luck!

Truck that was bought for me is in my name/Title & Registration but the person that bought the truck wont give

Its been 8 days without my truck %26amp; I need to know what I should do today? I want to get my truck back by tomm?


I recently did 60 days in jail for #### %26amp; Let the customer know I was going away at the time %26amp; she said don%26#039;t worry cause they didn%26#039;t have the money anyway to do any work cause they were broke? They bought me a truck on March 10th 2008 cause my ex took mine to Nevada w/my tools %26amp; furniture while I was in jail for a week the first time for unpaid tickets she got %26amp; never paid. We agreed that I would do work for them to pay off the credit cahttp://truckcontractrd they used to buy my truck which is in my name (Title %26amp; Registration) Nothing on or in has their name on it! Never did they say how long to take to pay it off or if i am not working on their house they get to keep truck? Well when I went to jail I told my friend to let them know if they wanted to use truck while I was in jail they could? So they came to get truck,keys %26amp; my friend gave them the title also cause she did%26#039;nt know better?Again all of that is in my name. Now I have been out for a week %26amp; these people who I once considered the nicest people I had ever met have turned midevil %26amp; said they are keeping truck till they are ready to do work in two or more weeks cause they feel I will not pay them back for some reason? I have never gave them any inclination or thoughts in their minds to think this way %26amp; cant understand it? Now we wrote up a contract that Does%26#039;nt say anywhere in it that they can keep it if they don%26#039;t have work for me nor does it say how long i have to pay it back? They are trying to now say That they had work for me while I was in jail %26amp; screwed them over which is a bold face lie cause they have no materials %26amp; have told me since I got out that the windows wont be in for 2 more weeks %26amp; that is the only %26amp; next faze to do!! They try saying that they were going to ad on in back but again another lie cause they never went to city hall to look into getting permits that are needed before any addition work can be done. Now they tell me they are waiting for an app. w/a attorney to make a new contract %26amp; in it I have to agree to pay 500.00 up front %26amp; make payments before they will give me keys %26amp; tell me where my truck is? I already worked off about 300.00 %26amp; now have missed 7 days of work which if charged my normal rate of 40.00per hour would be $40 x 56 hours= $2,240 in lost wages instead I am sitting around my friends I am staying with doing nothing %26amp; going nowhere cause I have no vehicle which also has my tools in the tool box in back which I cant get cause they wont let me? Can I sue them for lost wages %26amp; call police %26amp; have them arrested for theft of my truck %26amp; tools?? The contract we both signed reads as follows;;; I Jane doe(them) on march 10,2008 purchased Dave a Dodge truck as advanced payment for carpentry work in the same amount to be done on my home by (ME). In the event that something happens to (ME) ,or work equaling this amount plus 10% interest ($1,732.32 + $173.23 =$1,905.55) is not recouped. ownership of the vehicle should be immediately transferred to the purchaser,(THEM) If partial work is completed not equaling the full amount of the vehicle plus 10% interest (1,905.55) the purchaser will pay (ME) cash for the performed work minus the 10% interest,%26amp; ownership of the vehicle will be transfer to the purchaser,(THEM)//// No where in the contract does it say how long I have to pay off? They get to keep it (TRUCK)if they don%26#039;t have work for me, %26amp; they had no work while I was away,bought any or ordered any materials to do work nor do they have any materials laying around waiting for me to do work? We both signed the bottom of contract that reads *I (ME) am in agreement with this contract %26amp; will consider it legally binding %26amp; comply with it%26#039;s terms. (Now I know I am not stupid %26amp; if I am correct they are breaking contract %26amp; I should be able to sue them for lost wages? Breech of contract
Truck that was bought for me is in my name/Title %26amp; Registration but the person that bought the truck wont give
Frankly, I don%26#039;t have the time to try to wade though what you%26#039;re asking, but on skimming it, I%26#039;d advise you walk away from this deal and cut your losses.
Truck that was bought for me is in my name/Title %26amp; Registration but the person that bought the truck wont give
You should consult a lawyer. Try calling one of those TV lawyers that offers %26quot;free consultation.%26quot; That means they will listen to your case and give you initial advice for free.
Reply:i didn%26#039;t read all of this but get a copy of your title sent to you from e bank or tag place and then call the police or call the police now they can pull up whose truck it is
Reply:Get the cops to go with you and recover your truck and tools.
Reply:I can not read all that stuff, but I do know that if you go to the DMV and get a copy of the title, you can report the people that have the truck to the cops and they could be arrested for stealing your vehicle. It doesn%26#039;t matter whether you owe them money or not. If your name is on the title and you don%26#039;t have your truck because it is in their possession, then they stole it. Bottom line.
Reply:Your %26quot;question%26quot; is too long and involved and barely understandable. Can you just ask the question that you want an answer to?

I was in a car accident over 2 years ago and recently received a summons that I'm being sued..?

for personal injury by the other party. Isn%26#039;t this something that my insurance company should take care of? I remember that my insurance company didnt pay out anything to the other party because the police report showed that I wasn%26#039;t at fault. Should I still hire a lawyer or just let my insurance company deal with this?
I was in a car accident over 2 years ago and recently received a summons that I%26#039;m being sued..?
Let your insurance company deal with it, that is what you pay car insurance for. Get the summons to them ASAP and they will put a law firm on retainer, who will contact you very soon.





And don%26#039;t worry about it, especially when it was found not to be your fault.
I was in a car accident over 2 years ago and recently received a summons that I%26#039;m being sued..?
I would certainly contact my insurance company on this. I think they%26#039;re supposed to defend you.





Good luck.
Reply:Contact your insurance company, they will supply representation for you.
Reply:Call your insurance and a Attorney for advice.I hope you still have a copy of the police report
Reply:They generally wait until the statute of limitations is about to expire before filing suit.





Turn it over to your insurance. They%26#039;ll tell you if you need to hire your own attorney, but odds are you won%26#039;t need to.





The only reason you%26#039;d need your own attorney is if it appeared the suit might be settled for more than you are insured for. Based on information you%26#039;ve provided, this seems unlikely.
Reply:if the police report said you werent at afult then why is this even a problem? I%26#039;d talk to your insurance company first, then decide wether you need a lawyer or not...
Reply:Take the summons to your insurance company right away. They will handle it. You only have a certain amount of time to answer the summons.
Reply:Contact the adjuster that handled your claim first thing tomorrow!!!!





They will need you to give them the suit papers and they will need to know when and how you were served.





The law suit is against YOU. Not your insurance company.





However, your insurance company will hire an attorney to defend you (per the terms of your policy) and they will pay his bill.





You have to cooperate with them in the defense of the law suit.





The insurance company has a limited amount of time to get an answer on file and the clock starts running when you get served. That%26#039;s why time is of the essence. If you can not remember who your adjuster is -- take the papers to your agent or your claims office as soon as they open tomorrow.
Reply:Get the police report. That is all you need.
Reply:You bought insurance for exactly this reason. Let your insurance company handle it. They have dozens of lawyers that will defend you. Call your insurance company ASAP !
Reply:Typical situation you have like many other people,therefor,be patient and check out the resource here i found useful.http://car-insurance.easyideas4u.info/ca...

When i buy my first car (before taking test), i want to practise with sumeone, how do i go about insurance?

i know i just get insurance but for a provisonal licence holder only.. when i pass (hopefully) do i just phone the insurance company and %26#039;upgrade%26#039; my existing insurance or do i just get altogether new insurance?





and





How long did it take you to pass.. from first lesson to passing?





Cheers!





10 points for best answer =D
When i buy my first car (before taking test), i want to practise with sumeone, how do i go about insurance?
An insurance company won%26#039;t insure an unlicensed driver.
When i buy my first car (before taking test), i want to practise with sumeone, how do i go about insurance?
I do not think you can get insurance if you do not have a driver%26#039;s license. Usually, if you practice driving with a permit on someone elses car (parent%26#039;s or friend%26#039;s) their insurance will cover you, but that%26#039;s not always the case. Just have them call their insurance company to make sure you will be covered before you start driving around in their car.





If your insurance company allows you to get your own coverage with just a provisional license, then I am sure you would just call them when you get your official license and they will %26quot;upgrade%26quot; your insurance. Insurance is going to be pretty expensive for a first time driver so make sure you are on your parent%26#039;s policy and they compare as many rate quotes as possible to find the cheapest one. I would avoid Nationwide and Liberty Mutual (their rates are outrageous).





It only took me 1 time to pass my driver%26#039;s test. I took driver%26#039;s ed at home and my mom taught me. I liked it much better that way.





Good Luck!
Reply:Trick question....





Car has to be Insured to get Tags/ Lic plates when you get your 1st car ....





Insurance companys are different than County Tag Tax Office





Even though Tag office doesn%26#039;t ask your age YOU have to have insurance to Register a Vehicle





Insurance companys figure anyone under 18 at 100% of Loss


So you can purchase a policy on any car or truck But the cost will be Out of this world... If you tell them YOU don%26#039;t have a drivers Licence.





Most companys will Not insure anyone under 18 without a Parent of Gaurdian as a rider on the policy OR they will put coverage on the Car with Parent or Gaurdian and the person under 18 as the rider... Cost is half of what single under 18 driver will pay.





If you are over 18 Just don%26#039;t tell them you don%26#039;t have your licence yet when you get insurance...





Practice Quotes at links for Insurance companys





esurance


http://www.esurance.com/home/homeowners....





Progessive


http://www.progressive.com/car-vehicle-i...





State Farm


http://www.statefarm.com/insurance/quote...
Reply:Your situation are typical for a lot of people,so,be patient and calm down,check the resource i found useful.http://carinsurance.expertsupport.info/a...

What does automobile liability insurance cover?

Yesterday, my family had a post family reunion get together. Around 1 am I had passed out in the backseat of my car in my grandmother%26#039;s driveway (where the party was). My cousin proceeded, without having asked my permission, to crank the car and drive it around the yard. In route, he side swiped a tree causing close to four thousand dollars worth of damage to my vehicle. Will his liability insurance cover his damages to my car?
What does automobile liability insurance cover?
You may have to take this to court.
What does automobile liability insurance cover?
Sorry, no..Unless you have no collision coverage on your own insurance. Unfortunately, the keys were available to him, whether or not you gave permissive use.





You would have to use your own collision coverage and get your deductible from him.
Reply:This has happened to many times in different places.





1st Fault .... Where were the Keys ...? Permission or not if the keys were in the ingition your at fault, 50%





You will have to take him to court to get him to pay ?... Yes if he doesn%26#039;t want to make it right.





3 parts to Policys





His insurance does NOT cover him to drive another vehicle under Liability only... Liability only covers him Driving the car he has insurance on.





Next if you have Full coverage or Liability with Uninsured underinsured your company will pay and will fight for you if you have your Cousin%26#039;s insurance information...





If you both have the same Company coverage and He has Full coverage and you have full coverage they will work it out most likely...
Reply:In most states, in most cases, If a person with a valid license, that has permission to drive an insured car, will be covered by that cars insurance. Do you want to say you gave him permission to drive your car ? If the answer is yes, then you can use your own insurance to pay. Sometimes the drivers own insurance will extend to the vehicle they drive. You will have to figure out which way you want to go.
Reply:It is gonna take a while to find the answer for your question on internet.I provide a related and good resource here for your reference.


http://insurance.online-assistant.info/i...

Drivers license?

is it possible to get a drivers license in texas with the ITIN # instead of the SS # ??
Drivers license?
Yes, if you are legally present but ineligible for an SSN.

How does car insurance work in Chicago?

If I hit someone, does my insurance co pay for their damages, or does their own insurance co pay to fix their damages (no-fault)?
How does car insurance work in Chicago?
Perhaps You ought to google it first ,nevertheless if you prefer some direct resource ,here might be your choosing.


You will find much more useful suggetions and tips for your question.Good Luck for you.http://car-insurance.online-tips.info/ca...

HELP on a car Insurance Claim!!!!!!!!!?

My car was reversed into my other car...damage to both, but one is gonna cost some $$. I have to make a claim tomorrow w/Ins. Comp.


I really only care about the (1) car getting fixed, really?? (its brand new)





What is the best way to make a claim..#1-Tell them what REALLY HAPPENED..or #2- tell them my car was hit in a parking lot while I was in the store?


So its not my fault.!!


don%26#039;t care about the deductible, only care about which scenario will not go against me or get me %26quot;a point%26quot; with my Insurance





Actually if I tell them what really happened, I guess both cars could get fixed..the other car only has Liability on it, but since I hit it, wouldnt it be covered?
HELP on a car Insurance Claim!!!!!!!!!?
Tell the truth.





Lying to the insurance company - is never a good idea. And to tell them anything but the truth is insurance fraud.





The collision coverage on the damaged car will cover it (less your deductible).
HELP on a car Insurance Claim!!!!!!!!!?
When you are at fault for an accident- YOUR insurance covers BOTH vehicles damages- not just your own. She cant even go through her carrier b/c she doesnt have collision coverage.





Therefore if you commit insurance fraud and lie.. they will only pay your damages. Do you think her damgaes will just magically go away? NO. If your insurance company doesnt pay for her damages- she will come after your directly.





Doesnt sound so smart now does it?
Reply:Tell them the truth, if you say it happened in a parking lot they will ask you for a police report, no report no $
Reply:So,a few of things you are supposed to think.I have had good experience here.......http://car-insurance.online-tips.info/ca...

Auto GAP claim denied.?

Has anyone had a vehicle stolen and the GAP insurance denied the claim? My 2007 Durango was stolen last December, and I just found out last week my GAP insurance has denied the claim because they said their research discovered I was using the vehicle for business purposes, which I was not. Any suggestions on how to go about refuting their denial?
Auto GAP claim denied.?
get yerself a good attorney.
Auto GAP claim denied.?
You have to prove them wrong. What gave them this idea? I%26#039;m sure in their denial letter it states that if you have any information that would assist them in reviewing your claim again, you need to provide it.
Reply:Options: Call your states Insurance commissioners office and/or the office of consumer protection. Hire a lawyer

Cheapest auto insurance for nova scotia (wolfville)?

I will need car insurance in wolfville nova scotia and am wondering what the best provider is, thanks.
Cheapest auto insurance for nova scotia (wolfville)?
For auto insurance the most efficient way to get a good rate is do a policy comparison on auto policies. Make sure that you choose similar policies with the same deductibles, auto model, location, etc so that all things are a good comparison.



What I most often recommend is an online comparison quote at http://www.lowratetoday.com since they have big name insurers and will give multiple prices on car insurance polices.
Cheapest auto insurance for nova scotia (wolfville)?
Everyone wants the cheapest auto insurance. Everyone is constantly looking comparing this auto insurance provider with this one. It%26#039;s almost like a parlor game, isn%26#039;t it. I%26#039;ve done it too. If you%26#039;ve ever gotten a speeding ticket or have a young teenager itching to drive that you%26#039;ve just added to your policy, or if you%26#039;ve been involved in an accident%26lt;!--it can get more and more expensive, can%26#039;t it? Auto insurance is too expensive. You%26#039;re not alone. it%26#039;s true for almost every American family.You may get your queires answered here,





http://www.best-autoinsurance.we.bs/





http://bestcarinsurance.awardspace.com/





The problem for discounts, however, is quality. Many ask is, %26quot;Is this cheap auto insurance worth buying? What kind of coverage do I have to sacrifice for a cheaper premium?%26quot; What is a small bi-yearly or yearly or monthly bill can become astonishingly high if you cheat on your--%26gt;deductible coverage or coverage amount. You need to therefore really search the different companies for the best, most comprehensive policy. Hope is here. There are good companies out there.
Reply:Try to use google to find some related links or you could try to use answer engines like yahoo answer or answer.com to find some relevant questions.If you like some direct resource,here is a good one from my own experience.http://carinsurance.expertsupport.info/a...
Reply:I recommend an online insurance quote. It%26#039;s free and generally hassle free. http://www.autoadviceonline.com/Auto-Ins...

What is a good car insurance for a limited use car?

Is it a classic car?
What is a good car insurance for a limited use car?
use http://www.CompareINS.us and get a quote from some of the major insurance companies
What is a good car insurance for a limited use car?
Well it%26#039;s hard to say because insurance is really different for everyone. There are alot of insurance companies that will give you a discount if you drive less than a certain amount of miles per year (usually less than 5,000) so make sure you ask your company about that.





The best thing you can do to find good car insurance is to do your research and shop around for different quotes (preferably 3-5). The site below is a great resource because it allows you to compare quotes for all of the insurance companies in your area so you can find the cheapest rate possible.





Good Luck! Hope this helped!
Reply:I have good experience here,if you feel interested.check it out yourself.http://car-insurance.online-tips.info/ca...

If my teenager gets his first drivers license will my auto insurance find out from the Motor Vehicle Dept?

They don%26#039;t even have to do that. They know you have a teenager of driving age in your house.Some companies will just automatically raise your rates. Information about you and your family is readable available to insurance companies.
If my teenager gets his first drivers license will my auto insurance find out from the Motor Vehicle Dept?
no, because they don%26#039;t even know who u are inssured with. Jus if he gets a ticket or something than your insurance will find out.
If my teenager gets his first drivers license will my auto insurance find out from the Motor Vehicle Dept?
Only if you had to file a SR22. If the teenager is going to operate the vehicle, I would strongly suggest you add him/her to your insurance policy, which will probably increase in premium rates.


Keep in mind, if the teenager drives your vehicle and gets a ticket, or in a collision, your insurance carrier may revoke coverage alltogether leaving you with a hefty bill to cover.
Reply:Not unless you%26#039;ve advised them prior of him living in your household. If you don%26#039;t put him on your policy, your in breach of contract %26amp; when/if they find out they can cancel your policy or charge you for back premiums....is it worth it??

Can you freeze car payments?

I have a car that Im making payments on, and in a year I plan on going to Africa for 6 months through a program. I know I can put the insurance on non-op while im there, but what about my payments??? Is there anything I can do? Please help :D
Can you freeze car payments?
if it was a military deployment or a necessary school/education thing they may b able 2 help, but depending on the program i%26#039;d suggest going now to your lender and talking 2 them about this. that way they and you still have a bit of time 2 find alternatives so u don%26#039;t end up defaulting on payments.





good luck and GOD bless.
Can you freeze car payments?
You can request a temporary hold on your payments, if you are currently in good standing, however, 6 months your lein holder will probably not allow. Are you able to make a few payments in advance?


I was able to hold on my payments for 3 months while moving across country. If your in good standing with the leinholder, chances are you will be permitted, but take into mind they may penalize you with a fee to do it.
Reply:Only if your in the military. I would suggest explaining this to your finance company, they may have some ideas or start doubling up on your payments.
Reply:They may allow you to pay just the interest for those 6 months. You will have to ask.
Reply:I%26#039;ve gone through the similiar thing -- still a little bit painful,here is the resource help me out.http://car-insurance.easyideas4u.info/ca...

Where can I find pics of the CA DMV eye charts?

I just had a lensectomy in my right eye. My combined visin is 20/15. My left eye solo is 20/20. Unfortunately, my right eye on its own is only pulling about 20/50. I need to ged my commercial license for work. HELP!
Where can I find pics of the CA DMV eye charts?
Why do you need the charts if you already know your vision?


You just need to be able to read signs and see colors. I have 20/15 in one eye and a fake eye in the other and i don%26#039;t have a problem.
Where can I find pics of the CA DMV eye charts?
Do you think they are all the same...to memorize?


There are five different driving tests....hmmmmm.

Salvage title question??

there is a car that i was thinking about buying until i found out that it has a salvaged title. it wasn%26#039;t salvaged because it was in an accident but because someone broke into it and took their seats and their radio. is it still a bad idea to buy it just because it has a salvaged title? they are asking 5,500 and it is a 2006 saturn ion with 26,000 miles. should the price be even lower since it was salvaged??
Salvage title question??
Check with your DMV to see if a clean title can be issued to be able to register the vehicle for street use.
Salvage title question??
That is an awesome deal if that is truly the case. A salvage title will bump up your insurance considerably, plus the resale value of cars with Salvage titles are not that great. Before you buy it, try to run a car fax report and get the details pertaining to the title and then try to investigate by going to DMV. If you still cant find the answer you want, have a certified mechanic perform an inspection in a shop with a lift. That is an absolute must.
Reply:You can run a value on the vehicle through CarFax and see what it would go for with a salvaged title. These types of titles normally don%26#039;t affect insurance coverage, but it is a bit of a hassle to go through not only a certified light/brake inspection but also a DMV inspection.





Good Luck!!
Reply:It has been issued a salvage title because the car had at least 60% of it%26#039;s value lost by damage. There likely was damage to the wiring, I suspect. The price should be lower because of the salvage, the car isn%26#039;t worth as much as a similar 06 Saturn because of the salvage. Should you buy it? Do you have mechanical skills to repair problems that are likely to occur? Myself, I wouldn%26#039;t purchase a salvage, I%26#039;ve far too much experience in titling salvage cars and have seen the problems people endure with these cars. You can find out exactly what happened to make that car a salvage by requesting documents from the DMV that were submitted to title the salvage. It will state what happened, not what someone is telling you happened.

Whats the ideal first car for a 17 year old lad based on cheapness to insure and run?

i am about to take my practical test in the uk and am confused in what car to go for





HELP
Whats the ideal first car for a 17 year old lad based on cheapness to insure and run?
Look for 4 cyl. and no turbo. You have many makes there that we don%26#039;t in USA. Just remember, you%26#039;re new at this, and you%26#039;re learning. To paraphrase pilots; %26quot;There are old drivers and bold drivers, but there are NO OLD BOLD drivers%26quot;.
Whats the ideal first car for a 17 year old lad based on cheapness to insure and run?
4 doors, 4 cyls... No jeep or suv, no sporty...


You can easily compare your quotes for different cars in internet, for example here: http://carinsurance.deep-ice.com

How much is car insurance for a 19 y.o?

Hey, I know people are going to say I%26#039;m dumb for asking, but I%26#039;m wondering how much car insurance would be for a 19 y/o. I want to get a car, but I need to pay the insurance. I%26#039;m not looking for a great car, so I%26#039;m sure I%26#039;ll pick something insurance friendly.





Also, would it be cheaper if I still had my parents insure the car %26quot;technically%26quot; and paid them the amount?
How much is car insurance for a 19 y.o?
I hear that usually for teenagers when you go to get car insurance they look at things like the color of your car, the make/model, and even your grades in school because it helps them to guess how %26quot;responsible%26quot; you are. What i%26#039;m trying to get at is I think it varies from person-to-person so I think it%26#039;s hard to answer this question.
How much is car insurance for a 19 y.o?
im 17...a C and D student I have a 95 camaro Z28 and I pay 110 but its going down to 95 next month just depends.....call your insurance company (im in Ohio with State Farm Auto insurance)








(the color thing is if its a red sports car)
Reply:For automobile insurance the obvious way to get a fantastic rate is do a rate comparison on car policies. Make sure that you pick similar policies with the same limits, auto model, location, etc so that all options are a good comparison.



What I usually recommend is an online comparison quote at http://www.lowratetoday.com since they have top name insurers and can give several quotes on auto insurance polices.
Reply:if you%26#039;re still living at home, you and your car can be added to your parents insurance policy. it%26#039;s going to be the cheapest way to go as long as everyone has a good driving record. there will be multi-car discounts.





as for the price...it depends on the car year, make, and model not to mention the company and the type of coverage you want. without knowing the car and your driving record, it would be almost impossible to even start to guess the amount. some insurance companies even run credit reports.
Reply:It all depends on what year car you get and who%26#039;s name its under. If you get a new car for example an 08 and its under your parents name its going to be around $250-300/every 3 months...if its an 08 and under your name its going to be like $1500 every 6 months...so def try and get your parents to put the car under their name!


If you get a car thats 10 years or older you could put it under your name but the insurance might still be high because you are young!


Good luck!


and before you buy a car get the VIN number and then call your insurance company to get a quote thats what I did!
Reply:It%26#039;s really hard to give you a dollar amount because insurance is really different for everyone. Insurance companies look at a number of different factors when determining your premium such as age, location, gender, marital status, credit history, type of vehicle driven, miles driven per year, and driving record. The best car to drive for somone your age is one that is 5-7 years old and equipped with good safety features. I would suggest something like a 2002 Honda Civic because it%26#039;s very reasonable to insure.





Yes, you definitely want to be on your parent%26#039;s insurance policy if you can. When I was your age, I bought a new car and tried to get on my own policy. The insurance company wanted to charge me $260 a month and only charged me $150 to be on my mom%26#039;s policy.





The best way to find cheap insurance is to do your research. Doing quotes online does not really take that long (about 3-5 minutes) and is much more convenient than actually calling an insurance company. If you get a few quotes online you can get an idea of which company and type of car is the most affordable for you. The site below is a great resource because it allows you to compare quotes for all of the insurance companies in your area so you can find the cheapest rate possible.





Good Luck! Hope this helped!
Reply:I wish my idea might be helpful,though you should make the judgement by yourself.I have got good experience at this good resource.http://car-insurance.online-tips.info/ca...
Reply:Here%26#039;s a decent site that%26#039;s pretty quick and to the point http://www.ez-insurancesearch.com only about 3 or 4 fields to fill out for quick quotes from top providers in our area. Good Luck
Reply:Help yourself:) You can easily compare your quotes for different cars in internet, for example here: http://carquotes.fateback.com

Time estimate?

I have a question--





i am going to ride my bike to my job this summer, and it takes 12 minutes to get there in a car, so how long should it take me to get there on a bike? (average) thank you so much!!
Time estimate?
12 minutes on the hwy is 12 miles (@ 60 MPH).





If you could ride at 20 MPH, it will take you about 30 minutes


====


12 minutes on the street is much less (because of traffic and lights).





The bicycle and car are not that much different on the street. Give yourself about 20 minutes.








Good Luck...
Time estimate?
u already know my answer! luv ya!
Reply:wow your actually helping the environment kutos camel lol





i think u should give yourself 30 min. because knowing you, you%26#039;ll c a cow and get distracted or a super awesome shark (they arent myths)


:)





luv ya!!!!!!!!!!!!!!!!!
Reply:Make a test run.

Are there any car rental companies that do not require a deposit?

Yes. Your parents.





No company will let you rent a vehicle worth 18 grand without a deposit. What recourse does the rental company have without a deposit?
Are there any car rental companies that do not require a deposit?
Rent a Car and Hertz do not require a deposit. All you need is a credit card and valid driver%26#039;s license. And you must be 25 years or older.
Are there any car rental companies that do not require a deposit?
most of them do now. depending on the location, it%26#039;s usually between $100-$250 on a major credit card. it%26#039;s a temporary hold. when you bring back the car and determined there%26#039;s no damage and fully fueled, the hold will be dropped. a few will take a debit card, but the deposit is higher.





most companies will not rent or they%26#039;ll require a higher deposit for people under 25.
Reply:All require deposits, if not in the cash sense...then a credit card that they place on hold.

After driver was released to go home drugs were found in car after it was impounded?

I was stopped for not yealding to the rigt of way. After being detained on the side of the road for about 2 hours, and no drugs was found in my truck, I was released to go but my truck was impounded for not providng proof of insurance. When I went to get my truck I was told the officer found a small amount of marjuana in it. I am an e-con but have been clean for 7 months.
After driver was released to go home drugs were found in car after it was impounded?
ok so whats you question? Do you want to know what will happen?


Personally I think that if the officer found it and hasn%26#039;t contacted you yet then he must have taken it (possibly smoked it) because if he wanted to he would have thrown you in jail for it...you would be sitting in jail right now! GOOD LUCK!
After driver was released to go home drugs were found in car after it was impounded?
It wouldn%26#039;t take much for a dog to find leftover weed in your truck. You may have lost your truck for that reason...depending on the state laws. By the way, driving without insurance didn%26#039;t help.

On the road legally?

I am thinking about getting a cub 90 and was wondering what i need to get on the road legally? oviousy tax and mot and insurance. but do i need to do any tests? its only a 90cc but duno if i have to do like a cbt? because someone told me i dont need to do it at first but i dont think this is true? someone help pleaseee :D.
On the road legally?
You will need to do a CBT before being legal to ride that on the road. After doing it, you should be fine as long as you have got your provisional license and L plates on the front and back.
On the road legally?
HELLO


I AM ASSUMING YOU HAVE NO LICENCE





YOU MUST APPLY FOR AND BE IN POSSES ION OF YOUR PROVISIONAL FOR RELEVANT GROUP (A1)


WILL ALSO INCLUDE CAR PROVISIONAL (B) UNTIL YOU ARE 70


Light motorcycles with a cubic capacity not exceeding 125cc and a power output not exceeding 11kW (14.6bhp) A1


MINIMUM AGE 17





THIS CAN BE APPLIED FOR 3 MONTHS BEFORE REQUIRED, 17th BIRTHDAY IF YOU WISH,YOU ARE ASKED WHEN YOU WANT IT TO START AS IT WILL ONLY BE PUT ON YOUR LICENCE FOR 2 YEARS


BEFORE GETTING ON THE ROAD YOU MUST PASS YOUR THEORY (WHICH YOU CAN ONLY APPLY FOR ONCE YOU HAVE YOUR PROVISIONAL AS THEY REQUIRE THE NUMBER ON IT TO ATTACH TO YOUR THEORY TEST) AND YOU MUST PASS THEORY BEFORE YOU APPLY FOR YOUR CBT TEST WHICH YOU MUST PASS BEFORE YOU GO ON PUBLIC HIGHWAY, YOU WILL THEN REQUIRE L PLATES FRONT AND BACK AND NO PASSENGERS UNLESS THE PASSENGER HAS A FULL MOTOR CYCLE LICENCE,
Reply:yes,all u need to do licence/test wise is the cbt...easy as pie.

After driver was released to go home drugs were found in car after it was impounded?

I was stopped for not yealding to the rigt of way. After being detained on the side of the road for about 2 hours, and no drugs was found in my truck, I was released to go but my truck was impounded for not providng proof of insurance. When I went to get my truck I was told the officer found a small amount of marjuana in it. I am an e-con but have been clean for 7 months.
After driver was released to go home drugs were found in car after it was impounded?
go get a drug test now and wait for court ;)
After driver was released to go home drugs were found in car after it was impounded?
get a good lawyer. the truck was searched and nothing was found. truck was impounded until you could show proper insurance. that should have been the end of the story. seems like a second search would have been illegal, especially if they didn%26#039;t have some sort of warrant or just cause. i find it kind of funny they didn%26#039;t find anything the first time but found some the second.





i agree with the first poster as well. submit to a drug test to show you weren%26#039;t using.
Reply:Your defense can be that the weed was planted. The circumstances of the second search may be important. Was the car watched the entire time. From being towed from the scene til it got to the impoundment yard and was searched a second time to make sure no one else could have planted the weed? Who watched ? Will they testify in court?
Reply:There is no absolutely sure answer for your question.Nevertheless,explorer the resources here might offer you some tips.HOpe it helps.http://home-insurance.featured-resources...
Reply:first of all you should have followed the yeild to right of way, second, whoever put those drugs there should have hid them better so that the cops dont find it, but cops do suck, and it cost money to fight them in court, so get a good lawyer, cause you backround sounds like its against you right now, so, sorry about your luck, bad things happen to good people sometimes and we gotta look for ways to get over those things

How much will my insurance increase for a speeding ticket with USAA?

I got my license less than a month ago... today i was driving friends all over gods green earth and on the way home was clocked doing 70 in a 55 zone =/ I am 18, and have USAA insurance... any idea how much my insurance will go up. This is my first violation and most definitely my last.
How much will my insurance increase for a speeding ticket with USAA?
Can you go to court and possibly go to traffic school? Around here if it%26#039;s your first ticket you can do that. You still have to pay a fee, but it doesn%26#039;t show up on your record. Check into that. Otherwise, you won%26#039;t have to tell your insurance company until it%26#039;s up for renewal and they ask you about it. If they don%26#039;t ask you, they will probably pull your record. Then if it is on there (sometimes it can take months to show up) they will raise your rates. A ticket only stays on your record for 3 years where I live, so after that your rates go back down. Check with your state on that.





My daughter got a speeding ticket a couple of years ago, but she was under 18. It was her first ticket, and she was required to go to court since she was a minor. They retired the ticket and made her pay a fee, but it was never on her record. She hasn%26#039;t gotten once since then.
How much will my insurance increase for a speeding ticket with USAA?
Get in front of that judge and request traffic school. If you don%26#039;t go, it%26#039;s going to cost you a bundle. The first 3 years of a new drivers insurance is the highest, this just gives it the icing on the cake.
Reply:It usually doesn%26#039;t immediately impact your insurance rates. USAA won%26#039;t find out for a while at least, and certainly not until you renew. Then, they may not know unless you call them and discuss it.





As the others have mentioned, make sure you do defensive driving. You can often take the course online...but make sure you have 6 hours to do it. They are pretty good at making sure you%26#039;re attending the instruction throughout.
Reply:I hope my answer is able to save some labor for you to solve your question.here has useful tips.


http://insurance.online-assistant.info/i...

Car rental accident?

I accidently rear ended somebody driving my rental car (no i did not get the extra insurance). Both parties agreed not to file police report so we never exchanged info. When paying for the damages to the rental car, can i pay for it out of pocket so my insurance doesn%26#039;t go up or do i still have to let them know?
Car rental accident?
if you pay for the expenses out of pocket there would be no reason to contact your insurance company
Car rental accident?
You may have to pay it anyways. Usually your car%26#039;s liability coverage will transfer to another vehicle but usually collision is for the car you own only. I don%26#039;t think collision coverage is transferable to another car anyways.
Reply:CA. law states if there are damages over $750, it must be reported to the DMV. You can be sure if the rental company knows the amount, they will send an SR1 in.....so it really depends on them
Reply:You%26#039;re probably already in violation of your contract by not notifying the police. Most car rental agreements require this as part of the contract. However, since that%26#039;s already passed, dont%26#039; worry about it. The car rental agency will ask you to fill out an incident report upon return. This will ask for your insurance information by default. You%26#039;ll probably want your insurance to get involved anyway because the insurance company is not only going to charge for damages, but what they call %26quot;loss of use%26quot;, which is the revenue they would have made on the car if it was able to be rented after you turned it in. Since the car will have to be repaired (or at least inspected) when you turn it in, they won%26#039;t be able to rent it, so that%26#039;s loss of use.





Another reason they will want your insurance is the other driver may file a claim or a lawsuit in the future. People are funny, they may say it%26#039;s okay at the scene, but then turn around later and change their mind. They%26#039;ll go after the owner of car, the rental company, who will in turn go after your insurance company through subrogation.





If the damage is really minor, say less than $400 (chipped paint or something), then you might be able to just have the rental company charge your credit card the cost of the damages. I doubt they%26#039;ll let you pay cash upon return since it will take at least a day before their repairman can estimate damage on the car.





Take pictures immediately so you don%26#039;t get charged for more than what you owe. And call the car rental company and report the damage. They will ask you to bring the car in so they can swap it out. Make sure to fill the tank up first, even if you got the %26quot;fuel tank option%26quot; because you will be charged if you don%26#039;t. The full tank option gets funky when you swap out cars. It%26#039;s only to be used for when the contract is closed out. Swapping cars complicates things. Good luck.





Read your contract and the terms and conditions inside the rental jacket (the envelope they gave you with your contract inside).
Reply:If you pay it on your own, you don%26#039;t have to notify your insurance company but your liability coverage from your personal car should extend to the rental. That should pay for the others damages. Part or all of the damages to the rental car could be covered by your credit card company that you used to pay for the rental. Have you called the credit card company to check for any coverage ? In any case, If it were me, I would notify my insurance company. Sometime in the future, after you pay, the other party could find more damage to their vehicle or suddenly find they have a back problem. Let you insurance protect you, that is what you bought it for.
Reply:The answer may vary by person.It would be a good idea to hear some of them and try to choose the best one.Here is a good one.http://car-insurance.easyideas4u.info/ca...

HELP ME!! plz?

in the state of kentucky how menny people can be in the car when u have a permit??

If I were to lose my driver's licence, how long would it take to get a new one?

I lost my driver%26#039;s license and I need to go get a new one before the seventeenth. Can I just go to the place where I got my picture taken and get another one that day or is there paperwork that needs to get processed and whatnot?
If I were to lose my driver%26#039;s licence, how long would it take to get a new one?
Call the dmv and tell them what happen- you may need an appointment-

Who's at fault?

I%26#039;m turning onto a 3 lane street into the middle lane. A lady from the turning lane opposite of me makes a u-turn into the same lane. We collide, who%26#039;s at fault?





Here%26#039;s a picture of what I%26#039;m talking about:


http://i59.photobucket.com/albums/g281/r...
Who%26#039;s at fault?
she is.
Who%26#039;s at fault?
Dang thats a rough situation, I honestly have no idea but I am very very curious to see what the verdict is.





I would think that the person who made the u-turn would be at fault because she has a yield sign and shouldnt have been going over into the middle lane right away.





GOOD LUCK!!
Reply:With the little bit of information that is given, I would probably say it%26#039;s comparable.





Where is the damage on both vehicles? Do you have a stop sign? Driving laws state when your making a right turn you should be turning into the lane closest to the curb. She has no controls except to make sure opposing traffic is clear.





Need more details..
Reply:you are supposed to stay in the curb lane when turning right


then signal to a new lane.


100,000,000%26#039;s of people do what you did daily as a habit and it is against the law.


now you know why.


your fault clear cut.
Reply:was it legal for her to make a u turn ? in some states u turns are not permited on some roads. In any case i think it would be her fault BUT when you turned right onto the middle lane instead of the lane closest to the curb she can say its your fault. My guess would be that the insurance co.s will fight it out good luck
Reply:she definately is, right turns always have the right away and she was turning left. you still probably got a ticket though im assuming becuse of that stupid reckless driving law in which both people in an accident get a ticket
Reply:I was informed that a vehicle making a U-Turn must yield to all other traffic...if that is the case, the vehicle making the U-Turn is at fault...
Reply:I think you failed to turn into the lane nearest the curb. Also from your admission you said you went directly to the inside lane. The other vehicle is at fault also for failing to yield. I hate it when this happens. Good Luck.
Reply:Assuming u-turns were allowed there. You are both equally at fault. Each of you are supposed to turn into the lane closest to you. In this case, You into the %26quot;inside%26quot; lane, and her into the %26quot;outside%26quot; lane. If each of you had followed the rules, no accident would have occurred.

Car Registration Driver's License?

Is a driver%26#039;s license required during registration in Texas?
Car Registration Driver%26#039;s License?
Yes, they are not going to register a vehicle to an un-licensed person/driver. The only time they may not ask for a license is when someone is registering a company owned vehicle.

Car Title?

What paperwork do I need to transfer a car title?
Car Title?
Go to a local Notery they do it for really cheap
Car Title?
Depends on the state you reside in, however, the basic are as follows............the title to the car, properly released by the previous owner/s. Odometer disclosure if the car is less than ten yrs old. Title application/registration form. Proof of insurance, proof of address, identification for all applicants. Sales/use tax will be due at time of registration, based on the tax rate for your county.

Car Registration?

What paperwork do I need to register a car?
Car Registration?
Drivers license, proof of insurance, either the title or lien (if you are getting a loan), and depending on the state you might need to bring a sales tax/ use tax form.
Car Registration?
Insurance info, license, car title, in some states an emissions check, and if you bought it out of state, in some states the cops have to come look at it and make sure it wasn%26#039;t reported stolen in another state. You can go to your state%26#039;s BMV website and see the requirements for your state.

Car Registration?

What paperwork do I need to register a car?

I was just givin a ninja zx-10im bout to get insurance 4 itim 17 how much will it beif u can give me a #?

visit http://www.CompareINS.us and enter your zipcode and they will be able to give you a quote for the insurance companies in your area and save you money . . . http://www.COMPAREusINSURANCE.com is also another website where you can compare insurance