Archive for May, 2009

In Tennessee, how many points is allowed before a driver’s license is suspended?

The amount of points accumulated on your Tennessee driver’s record that will cause your driving privileges to be suspended varies depending upon if you are an adult or teen driver. As an adult driver you may face suspension of your license once you have reached 12 points with…

How old do you have to be to sit in the front seat in a car?

Legislation varies from state to state regarding the issue of seat belts, child restraints and when a child may be allowed to sit in the front seat. The National Highway Traffic Safety Administration (NHTSA) recommends all children under age 13 sit in the back seat of a motor ve…

I got a DUI in 2002, in the state of California. How long will it stay on my record?

Since January 1, 2007 in California any DUI offense on your record will appear for 10 years from the violation date. Before 2007 DUIs were kept on a California  driver’s record for only 7 years but now out-of-house / public driving record printouts continue to show the DUI offe…

In New York State, do you have to have a valid driver’s license in order to get car insurance?

According to the New York State Department of Motor Vehicles you are not required to have a driver license or learner permit to apply for a vehicle registration or title certificate in state of New York. These requirements also apply to the registration of a boat, a snowmobile…

Does Comprehensive and Collision coverage have a medical payment section in it? So if you were injured in a hit & run accident in a car which only has Comprehensive and Collision but not uninsured motorist coverage, are you or your passengers entitled to medical coverage under “the medical coverage section” of the comp and collision coverages?

No, Comprehensive and Collision coverages do not have a medical payment section to them. These coverages are known as physical damage coverages because they cover physical damages done to your vehicle. They do not cover injuries you or your passengers sustained in anyway. You…

In California I have a suspended license for failure to pay a fine. The fine was for driving without insurance. I have moved out of state and am living in Oregon now. Can I get a driver’s licence in OR?

To the best of our understanding you cannot get a driver’s license in Oregon while you continue to have a suspended license in California due to your failure to comply with your driving without insurance ticket by paying it. The Oregon Driver and Motor Vehicle Services Divis…

I am the resident of Toronto (Ontario, Canada). Recently I got speeding traffic ticket, 89 mph in the zone of 65 mph, in New York state (Montgomery jurisdiction court). Does this ticket effect my driving record and insurance?

Yes, even though you are from Ontario a New York speeding ticket can affect your Canadian driving record and insurance. The New York State Department of Motor Vehicles notes that they have reciprocal agreements with Ontario and Quebec. So for New Yorkers this means moving vio…

My license is suspended in Pennsylvania and has been for over 5 years. Can I get a new license in New York?

No, to the best of our knowledge you could not get a driver’s license in New York while your Pennsylvania license continues to be suspended. The New York Department of Motor Vehicles (DMV) notes that if your out-of-state driver license or Canadian driver license is suspended …

I crashed my motorcycle with a passenger. Does my California liability insurance cover mine and my passengers medical expenses?

Your own car insurance coverages would not extend to your motorcycle if that is what you are asking. You need your own policy and coverages on your motorcycle to cover it and any accident you are involved in when riding it. Assuming instead that you have motorcycle insurance …

I live in New Hampshire, and know that you have to be 15 1/2 to take drivers education and by the time you finish you have to be 16 because your driver’s ed teacher takes you to the DMV to take your test. I was wondering, because your parents or someone over the age of 21, can take you driving before you get your license can you have other people in the car or not? I had my boyfriend one time with me and my dad driving and my step-mom said that it was illegal to do that in the state of NH. Is that was true?

New Hampshire is an odd state regarding the graduated driver’s license ( GDL ) process that it has in place. Unlike most all states they do not require you to pass a knowledge test, vision test, etc and obtain a learner’s or instructional permit. In NH they do not issue a learne…