Archive for October, 2009

How long is my auto insurance policy term with CarInsurance.com?

CarInsurance.com offers policies with many insurance companies. When you get a quote you will see rates from companies that offer 6 month policies AND 12 month policies. You get to choose if you want to purchase a 6 month OR a 12 month policy (in some states). You will see a …

We bought a used car form a dealership in Utah, and when we bought the car they said we have to carry liability only on the car. So I just would like to know what the law states about carrying insurance on a used car bought from a dealership in Utah? My car is 2001 Honda Accord with about 155,000 miles on it.

We are not aware of any specific Utah insurance law that speaks about what auto insurance coverage one must have when buying a used car from a dealership. What UT insurance law does contain is insurance information on what is required of any motorist whose vehicle is registere…

What is the penalty for driving with an out of state license plate in Indiana?

If you are from out of state and have a valid out of state license plate than there should be no penalty for driving legally in Indiana. If instead you have moved to Indiana and have not changed over your license plate (title and registration) from your previous state to Indiana…

Does Gap Insurance have to purchased when the vehicle is purchased or can it be added at any time? Thank You for your time.

Gap insurance does not have to be bought at the same time as a new or used financed car is purchased however you cannot buy gap insurance at any time, there is a time limit by insurers on how long after the purchase you can obtain this coverage. Gap insurance providers’ terms a…

If someone has congestive sleep apnea and uses a medically prescribed CPAP device which successfully alleviates the condition, is this considered a condition which must be reported to the persons auto insurer in the state of Wisconsin? The Wisconsin Department of Transportation does not ask questions about this specific condition on the Wisconsin drivers license application (the only question asked is whether the applicant lost consciousness while driving during the past 2 years), and with the use of the CPAP device, there is no impairment of the ability to drive safely.

As the Wisconsin Office of the Commissioner of Insurance told us that under Insurance Section (specifically 6.54 (3) 2 ) of the WI Administrative Code it states no insurance company shall refuse, cancel or deny insurance on the basis of an insured’s physical condition. Their …

I live in Florida, and a friend recently told me that I could get my permit now (at the age of 17) and would only have to wait 6 months to get my license instead of the full 12 because my next birthday is my 18th. Is this true?

You will need to wait the full 12 months to get your Florida driver’s license unless before the 12 months has transpired your 18th birthday occurs. So if you just got your permit at age 17 than you would have to wait the full 12 months until you turned 18 to try and get your l…

I live in Oregon, and I received my first speeding ticket. Will this affect my insurance rates?

Yes, if this speeding ticket goes on your Oregon driving record it could affect your auto insurance rates. Depending upon your insurer’s rating system a conviction for a speeding offense may be enough to take away any safe driver discount and thus your rates would rise. Anoth…

I live in Oregon, and I received my first speeding ticket. Will this affect my insurance rates?

Yes, if this speeding ticket goes on your Oregon driving record it could affect your auto insurance rates. Depending upon your insurer’s rating system a conviction for a speeding offense may be enough to take away any safe driver discount and thus your rates would rise. Anoth…

I live in Florida, and a friend recently told me that I could get my permit now (at the age of 17) and would only have to wait 6 months to get my license instead of the full 12 because my next birthday is my 18th. Is this true?

You will need to wait the full 12 months to get your Florida driver’s license unless before the 12 months has transpired your 18th birthday occurs. So if you just got your permit at age 17 than you would have to wait the full 12 months until you turned 18 to try and get your l…

In the state of Georgia my son is now 18 years of age and has held a learner’s permit for three years. Can he now skip the class D license and apply for a class C license?

Yes, it is our understanding that since your son has held his Georgia learner’s permit for over the required one (1) year time requirement and is already 18 years of age that he can apply for a Class C driver’s license instead of the Class D intermediate license he would hav…