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December 31st, 2011
You probably won’t get caught until you have an accident. Then you will discover that all the premiums you paid have just been a gift to the insurance company and you HAVE NO COVERAGE. In addition you could be charged with fraud.
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December 31st, 2011
Sexual attraction… the companies believe that if they put a girl in a car commercial that the guy that has the car will be able to get the ladies… which is somewhat true… girls find guys with nice cars more attractive.
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December 31st, 2011
Missouri Driver Responsibilities and PenaltiesIt is illegal to drive a motor vehicle in Missouri without automobile liability insurance. The vehicle driver must show proof of insurance to any law enforcement official, upon request, or a traffic ticket will be issued to the driver. If convicted of “failing to show proof of insurance,” one of three things will happen to the driver: 1. The court will send the conviction to the Driver and Vehicle Services Bureau and the conviction will be entered on the driver’s driving record. Four points will be assessed against the driver’s driving record. Did you know that it only takes a total of eight points within an 18-month period to lose your driving privilege in Missouri? 2. The court may enter an order of supervision. This order is sent to the Driver and Vehicle Services Bureau so that the driver can be monitored to ensure automobile liability insurance is being maintained. 3. The court may enter an order suspending the driver’s driver license for failing to show proof of insurance. This order is sent to the Driver and Vehicle Services Bureau at which time the driver is notified of the suspension of his or her driver license.PERIODS OF SUSPENSION1st suspension ………………………….0 days2nd suspension ………………………..90 days3rd and subsequent suspension ……..1 yearAfter the driver serves the required period of suspension, his or her driver license can be reinstated if the Driver and Vehicle Services Bureau receives the following:1st suspension * Proof of insurance (Click here for acceptable types of insurance) * $20 reinstatement fee2nd suspension * Proof of insurance (Click here for acceptable types of insurance) * $200 reinstatement fee3rd and subsequent suspension * Proof of insurance (Click here for acceptable types of insurance) * $400 reinstatement feeAny vehicle driver whose driver license is suspended for failing to show proof of insurance must maintain liability insurance on his or her vehicle for a period of three years following the end of the suspension. The driver must file this proof of insurance with the Department of Revenue during this three-year period. If the driver fails to provide this proof, the Driver and Vehicle Services Bureau will again suspend his or her driver license. The suspension will remain in effect for the remainder of the three years unless the driver refiles the proof of insurance.
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December 31st, 2011
I could be wrong but I think that Mass. is the only state that doesn’t issue ID cards on it’s insurance policies to that probably means, yes, you need your ID card in FL. from a Floridian Yes, most definitely. If you’re stopped by a law enforcement agent he/she will ask you for proof of insurance, especially if you’re being stopped in regards to an accident that has occured.
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December 31st, 2011
Pros and Cons Ok here are the disadvantages (from both stand points):If you have any tickets or accidents they will be charged on the policy and cause the persons rate to go up and possibly get terminated by the company.Also depending on your age and sex, the rates could go up too. You being a driver on someones policy put them at risk for lawsuit if you cause an accident.Now for the advantage:You being on someones policy can help your rates when you decide to get your own insurance, companies look at prior insurance and people that have continuous insurance get better rates.
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December 31st, 2011
Deer CollisionNo. Liability insurance is triggered when you are at-fault for an accident. It’s used to pay for the damage you cause to someone else’s property, not your own.A deer hit would fall under comprehensive coverage, and isn’t considered an at-fault loss.In some states, collisions with wildlife are covered by the state. Check with your insurance agent.Only if the deer sues.
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December 31st, 2011
I have known people to buy vehicle without a driver’s license, but I don’t believe you can insure it. You probably could get storage insurance, or maybe insure it with someone else as a primary driver. But most likely the insurance will have to be purchased by someone else.im an auto insurance agent…. in some states, you may insure your car even if you dont have a valid driver license. you may also buy your own car in some dealerships. you just gotta look for them…Note: There are comments associated with this question. See the discussion page to add to the conversation.
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December 31st, 2011
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December 31st, 2011
Typically yes, unless that person was specifically excluded, in writting, from that particular policy. It is important to transfer the title and insurance as quickly as possible to lessen the chance of complications in the event of an accident. It entierly depends, some policies are named driver policies & you will not be covered unless you specifically add the new driver to the policy. Be aware tho that the insurance should always match the registration of the vehicle.
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December 31st, 2011
They can. Your rates are based on several factors besides a “spotless” record, things like change of address, new members of your household, availability of your vehicle to other drivers (such as a teenager)…even if you smoke.Why? Let’s look at a common question like how many miles you drive the vehicle. When you bought your policy, you might have had a job that, along with your normal driving, only required you to drive your vehicle 100 miles or less each week. But since then, you might have changed jobs and now drive 200 miles a week. This would obviously increase your chances of having an accident, since you’re on the road more often. An increased risk like that would require an increased premium.Still, factors like the above are relatively minor, and with a spotless record, you should be in good stead as far as your rates are concerned. Even if you saw a rate increase due to the s on the questionnaire, it would probably be relatively minor to, say, someone who just got a DUI.
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December 31st, 2011
They can. Your rates are based on several factors besides a “spotless” record, things like change of address, new members of your household, availability of your vehicle to other drivers (such as a teenager)…even if you smoke.Why? Let’s look at a common question like how many miles you drive the vehicle. When you bought your policy, you might have had a job that, along with your normal driving, only required you to drive your vehicle 100 miles or less each week. But since then, you might have changed jobs and now drive 200 miles a week. This would obviously increase your chances of having an accident, since you’re on the road more often. An increased risk like that would require an increased premium.Still, factors like the above are relatively minor, and with a spotless record, you should be in good stead as far as your rates are concerned. Even if you saw a rate increase due to the s on the questionnaire, it would probably be relatively minor to, say, someone who just got a DUI.
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December 31st, 2011
Need to check the state law for the statute of limitations for property damage claims.
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