Archive for September, 2009

Can I start insurance coverage now and pay next week?

To start your insurance coverage now you must at least make a down payment on the policy. So you cannot sign up for your insurance policy today and wait until next week to make any type of payment. Per the definition of an insurance contract in order for and insurance contract …

I have full coverage including coverage for rental cars. If on vacation, I rent a car from the individual that owns the house we are renting, does this count as a rental car (my poilcy pays for the damage) or a borrowed car (his policy pays for the damage)? Does it make a difference if we sign a basic rental agreement ahead of time?

When speaking of rental car insurance that one typically buys as part of their auto policy it is for the use of a rental car or rental car reimbursement if you have an accident or insurance claim so that type of coverage would not cover you “renting” a car from a person whose …

I know someone who is a Saskatchewan resident and is driving his car in Saskatchewan with expired plates and no additional insurance. What exactly are the consequences if he is in an accident? I have warned him to renew the plates but he isn’t worried. What can I tell him about the consequences?

As you know Saskatchewan, Canada operates a mandatory vehicle registration and insurance program. When a vehicle owner purchases license plates, they also purchase a basic package of insurance which includes coverage for damage to their own vehicle subject to a deductible; cov…

Ok this is a for a friend who lives in Missouri who has a felony DUI on his record - how long do this stay on record in his state?

From the information we have gathered, a first time offense DUI remains on a Missouri driving record for ten (10) years and after that time period you can get the DUI expunged, taken off, of your MO driving record. However if you are convicted of more than one DUI offense they…

In Colorado, how long do you have to have your learner’s permit at 17 before getting a conditional license?

The Colorado Graduated Drivers Licensing (GDL) program has three stages which are the instruction permit, restricted license and then a full privilege license. The CO Department of Transportation notes that drivers under each area of the GDL must remember: No drinking and dr…

In North Carolina how much for a ticket for driving without insurance?

The penalties for driving a motor vehicle without at least the required minimum auto insurance for the state of North Carolina on it can include fines, losing your license plate and having your driver’s license suspended. North Carolina has minimum requirements of liability …

In New Jersey what is the penalty for driving while talking with a cell phone?

The penalty for driving and talking on a cell phone in New Jersey is a $100 fine. In many states a fine amount is just a base amount and other fees and court costs are added to it so if you were ticketed for talking on a cell phone in NJ you should contact the court listed on …

In Virginia how much does a ticket cost for children under the age of 4 that are not wearing seat belts?

It is a $50 fine in Virginia if your child who is under the age of 4 is found not buckled in properly in their child restraint seat. The Virginia courts online list seat belt fines as follows: No Seat Belt Worn $25.00 (Pay Fine Amount Only) Failure of driver to ensure that …

In Oklahoma what limits should I have on my car insurance?

Oklahoma has strict laws about having valid auto Liability insurance. All Oklahoma drivers and/or vehicle owners are required by law to carry the minimum limits of liability for this state. “Liability” means that as a driver, you are legally and financially responsible for injur…

In Nebraska, how many passengers can ride in a car when the driver only carries a learner’s permit?

We are not aware of any passenger restrictions on a Nebraska learner’s permit holder. The Nebraska Department of Motor Vehicles (DMV) notes that with a learner’s permit (LPD) you must be accompanied by a licensed driver who is at least 21 years old who supervises you. In NE …