Archive for January, 2009

What does a broad form insurance policy cover, and what does it not cover and why do insurance agents write them? Thank you for your answers. (In Colorado)

The term broad form coverage can differ in its meaning depending upon what area of insurance you are dealing with. With most insurance policies (general liability, commercial, homeowners, etc.) a policy is usually Basic or Broad Form. Normally in the insurance industry when you …

What does a broad form insurance policy cover, and what does it not cover and why do insurance agents write them? Thank you for your answers. (In Colorado)

The term broad form coverage can differ in its meaning depending upon what area of insurance you are dealing with. With most insurance policies (general liability, commercial, homeowners, etc.) a policy is usually Basic or Broad Form. Normally in the insurance industry when you …

Can you register a car with just a state identification or any other identification?

State laws differ however yes, in many states you do not need a driver’s license but can register and title a vehicle with just a state identification (ID) card. Normally one is not required to have a valid license but will need at least a State ID to purchase and then registe…

In the state of Florida, Are points deducted from your record for clean driving? If so, how long and how many points are deducted?

No, in Florida points are not deducted from your driving record for keeping a clean driving. Some states like Pennsylvania allow points to be removed from your driving record for safe driving. You can get 3 points removed from your driving history for every 12 consecutive mont…

Can you register a car with just a state identification or any other identification?

State laws differ however yes, in many states you do not need a driver’s license but can register and title a vehicle with just a state identification (ID) card. Normally one is not required to have a valid license but will need at least a State ID to purchase and then registe…

In the state of Florida, Are points deducted from your record for clean driving? If so, how long and how many points are deducted?

No, in Florida points are not deducted from your driving record for keeping a clean driving. Some states like Pennsylvania allow points to be removed from your driving record for safe driving. You can get 3 points removed from your driving history for every 12 consecutive mont…

In Illinois what will happen if I have an accident and do not have insurance at the time?

Illinois law requires that all motor vehicles operated in Illinois must be covered by liability insurance. Vehicle liability insurance pays for injuries or damages you may cause with your vehicle to other persons or their property. Vehicle owners are required to provide insuran…

In Illinois what will happen if I have an accident and do not have insurance at the time?

Illinois law requires that all motor vehicles operated in Illinois must be covered by liability insurance. Vehicle liability insurance pays for injuries or damages you may cause with your vehicle to other persons or their property. Vehicle owners are required to provide insuran…

In the state of Florida, can a vehicle registration be different than the name of the person who the insurance is in? For example what if I own (registration is in my name) a vehicle and someone else puts the vehicle on their policy, will that be acceptable for FL registration purposes?

The Florida Department of Highway Safety and Motor Vehicles (HSMV) stated to us that yes, the insurance coverage of a vehicle may be in the name of someone other than the registered owner. While this may be acceptable to the Florida HSMV you would also have to make sure the …

In the state of Florida, can a vehicle registration be different than the name of the person who the insurance is in? For example what if I own (registration is in my name) a vehicle and someone else puts the vehicle on their policy, will that be acceptable for FL registration purposes?

The Florida Department of Highway Safety and Motor Vehicles (HSMV) stated to us that yes, the insurance coverage of a vehicle may be in the name of someone other than the registered owner. While this may be acceptable to the Florida HSMV you would also have to make sure the …