Archive for August, 2008

Is a named driver exclusion on a personal auto policy considered to be against public policy in Pennsylvania?

According to the Pennsylvania Insurance Department, the insurance regulator for PA, the first named insured on a personal auto insurance policy may exclude any family member from the policy provided that the person being excluded can prove he or she has auto insurance with ano…

I live in Waldorf, Maryland I don’t have any criminal past but I was driving home on a dealers expired tags. I was going to go to the MVA to pay for my current tags when I was pulled over by the state trooper. He issued me a few tickets and said I am going to need a lawyer. What is the penalty for driving in MD on expired tags?

If the license plates of the Maryland vehicle were expired, meaning the registration on the vehicle was expired, then it would appear at least one of the citations you would be given is for driving without registration. Under Maryland Transportation Code section 13-401 it n…

Is it legal to drive with a permit by myself to school in the state of California?

No, if you only have a permit in the state of California you are not permitted to drive alone so thus cannot drive yourself to school. You need to have a supervising driver with you during your learner’s permit stage of the graduated driver licensing (GDL) system California …

How long do you need to have your permit before getting a conditional license in Lynchburg, VA?

In Virginia you must be at least 15 years and 6 months of age to obtain a learner’s permit. You must be a resident of the Commonwealth of Virginia and at least 16 years and 3 months of age and held your permit for 9 months to obtain a full Virginia driver’s license. According…

Once your kids are married can they stay on your car insurance?

Typically once your kids get married, and thus normally moved out of your household and into one with their spouse, they cannot stay on your (the parent’s) car insurance policy . Your policy normally covers those in your household and perhaps a child that is away at college dep…

I was in an accident and found at fault, my car was totaled but my car was insured at the time. I am wondering why would the other drivers insurance company needs to talk to me? Shouldn’t they just need to talk to insurance company my car was insured under?

The other insurance company may need to speak with you for a number of reasons. Likely if the other person’s insurance company is trying to contact you it would be for your statement concerning the accident . If the person put in a claim against their own collision insurance, i…

I was in an accident and found at fault, my car was totaled but my car was insured at the time. I am wondering why would the other drivers insurance company needs to talk to me? Shouldn’t they just need to talk to insurance company my car was insured under?

The other insurance company may need to speak with you for a number of reasons. Likely if the other person’s insurance company is trying to contact you it would be for your statement concerning the accident . If the person put in a claim against their own collision insurance, i…

How does an insurance adjuster claim a car totaled?

How an insurance adjuster comes to the determination that a vehicle is a total loss depends upon both state laws and then the insurance company’s own internal guidelines. If the state has a certain percentage of the car’s worth that the damages would come to or exceed to repai…

How does an insurance adjuster claim a car totaled?

How an insurance adjuster comes to the determination that a vehicle is a total loss depends upon both state laws and then the insurance company’s own internal guidelines. If the state has a certain percentage of the car’s worth that the damages would come to or exceed to repai…

Would you face jail time for driving on a suspended license in Pennsylvania? Would you also face jail time in Maryland? If so, how long?

In Pennsylvania, no person may drive any motor vehicle upon a highway or public property without a driver’s license valid under the PA Motor Vehicle Code. Pennsylvania MVC chapter 15 explains that public property includes, but is not limited to, driveways and parking lots owne…