Archive for January, 2010

If I have a policy here in the US, would I need another policy to cover me when I am out of the country?

It depends where you are going out of the country with your vehicle if your car insurance coverages from the United States would extend when you are out of the country or not. In general most US auto insurance policies will cover you when you drive up to Canada but not if you he…

If I have a policy here in the US, would I need another policy to cover me when I am out of the country?

It depends where you are going out of the country with your vehicle if your car insurance coverages from the United States would extend when you are out of the country or not. In general most US auto insurance policies will cover you when you drive up to Canada but not if you he…

In Massachusetts if a teenager loses his license for a JOL passenger restriction, after the 60 day suspension, does the 6 month passenger restriction start over for another 6 months or does it resume for the remainder of the original 6 months?

According to the Massachusetts Registry of Motor Vehicles (RMV) a junior operator who violates the passenger restriction of the JOL shall be subject to a license suspension of 60 days for a first offense with a reinstatement fee of $100. The six (6) month passenger restriction…

In Massachusetts if a teenager loses his license for a JOL passenger restriction, after the 60 day suspension, does the 6 month passenger restriction start over for another 6 months or does it resume for the remainder of the original 6 months?

According to the Massachusetts Registry of Motor Vehicles (RMV) a junior operator who violates the passenger restriction of the JOL shall be subject to a license suspension of 60 days for a first offense with a reinstatement fee of $100. The six (6) month passenger restriction…

I am 23 years old with no car. My parents think they have to put me on their insurance policy no matter what because I am living at home in New Hampshire. Is that true?

Yes, in general an auto insurance company will require that the policyholder lists all licensed household members on their policy. So if you are 23 year old licensed driver and still live with your parents and thus have access to their vehicles their insurance provider would n…

I am 23 years old with no car. My parents think they have to put me on their insurance policy no matter what because I am living at home in New Hampshire. Is that true?

Yes, in general an auto insurance company will require that the policyholder lists all licensed household members on their policy. So if you are 23 year old licensed driver and still live with your parents and thus have access to their vehicles their insurance provider would n…

In Florida, with a cracked window can you get a fine for a cracked windshield?

Yes, in the state of Florida you may get ticketed by law enforcement and have to pay a fine if convicted of driving with a cracked windshield. A Florida driver can be stopped problems with a windshield if the windshield violates a provision listed in Florida Statute Section 3…

I have only liability insurance on my 14 year old car. Someone ran into me. Should I expect my insurance to go after the other guys insurance if I do not pay for collision insurance or do I need to pursue this myself?

You would need to pursue the claim with the at-fault party’s insurance company yourself. You are making a third party claim and since your car insurance policy is only Liability coverages without any physical damage coverages, such as Collision and Comprehensive, your insurer …

I recently drove my grandparents truck as a minor (age 13). What could I get charged with?

State laws differ however in general those caught for underage driving are cited for driving without a license. The penalties also vary from state to state but are typically pretty serious and can include fines, jail time and car impoundment. Also in many states the car owner ma…

In Florida, with a cracked window can you get a fine for a cracked windshield?

Yes, in the state of Florida you may get ticketed by law enforcement and have to pay a fine if convicted of driving with a cracked windshield. A Florida driver can be stopped problems with a windshield if the windshield violates a provision listed in Florida Statute Section 3…