Motor Vehicle Insurance

Frequently Asked Questions

1. QUESTION:
   Motor vehicle insurance for teenager with permit?
   My son is signed up to take driver's education next year. He will receive his permit after taking the course. However, he has no desire to drive and does not want to get his driver's license after he takes the course (whether he will still think this way after taking the course is yet to be seen).
   My question is do I still have to carry motor vehicle insurance on him if he just has a permit and not a license?

   We are in Illinois.
   Thank You

   • ANSWER:
     No. With the permit he can't drive alone, and will be covered by the person with him and the insurance on the vehicle. He will not need to be added to your policy until and unless he gets his license and can drive alone.

2. QUESTION:
   What is the cheapest motor vehicle insurance company in NY right now?
   I wanted to know if anyone knew of any good insurance companies with low rates. I'm kinda sick of the one I have now Geico. Service is not great, guess they spend too much money on commercials and none on customer service. Any info would be great! Thanks.

   • ANSWER:
     Based on my experience as a Broker.............I get most of my cheapest rates from AIG. Lots of our clients are pretty satisfied with them.

     Forget all the nonsense about your driving record, age, all that stuff. To get cheap and affordable insurance, you need to shop around...just don't jump in and settle for one guy. check with a local brokrage in you neighborhood and let them quote you with different companies...You can also use online resources to shop around for car insurance.

     GET QUOTES FROM DIFFERENT COMPANIES.............AND MAY THE CHEAPEST QUOTE WIN!

3. QUESTION:
   Do you agree or disagree with mandatory motor vehicle insurance?
   Just a question I thought I'd throw out there.

   Explain your position, if you don't mind. Thanks.

   • ANSWER:
     I disagree. I should not be compelled to purchase something that I can not afford. My car insurance cost as much as my car. Im serious.

     Not to mention when I did get into an accident the insurance company was trying not to pay the claim. I had to call several times essentially begging these fukkers to pay for some shit that I already paid for through the premiums.

4. QUESTION:
   Motor vehicle insurance. What would be the insurance premium for a Nissan Maxima 2004 in Carins Australia?

   • ANSWER:
     Try finding out for yourself.

     Go to insurance websites and check it out. Most will tell you how much it will cost by filling in details online.

     It would be hard for anyone to say for sure without more details. Age of the driver, current insurance, no of accidents etc.

5. QUESTION:
   how does one cancel a current motor vehicle insurance? ?
   since it appears that client is disappointed with standard insurance, is it ok to cancel ongoing car insurance? how? how about switching to another insurance company? is this possible? can i ask for refund from standard insurance? can i recover all that I had paid for the year?

   • ANSWER:
     Cancellation procedures vary by state. You'll need to call your agent, to see how it works in your state.

     Most states, if you cancel the insurance without replacing it first, it can get your tags cancelled as well.

     Sure you can ask for a refund. How much you get back, will depend on how much you paid in, and how long you've had the policy. If you've had the policy six months, but you paid for 12 months, you can likely get five months back, but that also varies by state.

     You won't get back money for time you've already used up, and you'll likely get charged a cancellation fee. Again, your agent can tell you how it works in your state.

6. QUESTION:
   My Massachusetts motor vehicle insurance carrier is terrorizing me, please help.?
   I was involved in a rear-end motor vehicle accident in Massachsuestts one month ago. The person who crashed into me from behind is from Massachusetts and owns the car that rear-ended my car. Both cars had insurance. The defendant's insurance company has already accepted 100% liability for the accident. The problem, however, is my own insurance company is investigating my claim! I did nothing wrong.

   My own insurance company recently had me undergo an examination under oath in the office of the law firm that they use to represent them. 'During the examination, the attorney showed my a copy of my criminal record (which had nothing to do with my accident). My question is-----isn't a person's criminal record private? How can an insurance company simply get a person's criminal record when (a) it had nothing to do with the accident and (b) no lawsuit has even been filed. Isn't this an invasion of my privacy since i never consented to them having it, yet, they got a copy of it. Please help

   • ANSWER:
     Nothing is private from insurance companies, especially in MA, I as any insurance agent can find out everything about you from the state run registry, which is why I had the FBI and every police agency in every state I sold for check into my background. Having a criminal record can actually disqualify you from having insurance in most states depending on what it was for, good luck

7. QUESTION:
   Does you car registration address legally have to match the address of your motor vehicle insurance??
   I am looking at paying my car tax on line, and currently my addresses match, but soon they wont, is this legal or will I have to match them both?/..Please help...don't want to break the law!!!

   • ANSWER:
     yes they both have to match. when you move you have to notify the insurance company and the registration. not a problem you usually have a certain amount of days to notify both

8. QUESTION:
   Do you need a motorcycle endorsement and motor vehicle insurance for a vespa scooter with a maximum mph of 45?

   • ANSWER:
     Very likely yes. Some states say if it is motor driven by anything, then you must have both. Some states say 30 cc or more. Check with your DMV, they will be glad to tell you.

     But I'm positive a Vespa must have both in all states. They are not permitted on any Interstate though.

9. QUESTION:
   Motor vehicle insurance claim under indian law?
   My friend recently i.e., about 3 months, bought a TATA Indica 2005 model car second hand. He got the registration transfered into his his name but did not intimate the change of ownership to the Insurance company. Today the car that was kept under thached shed reduced to metal skeleton due to fire accident. My question is since the insurance policy as on today is still standing in the name of previous owner... will non-intimation of change of ownership affect my friends chance of claiming insurance? are there any decided case laws on this aspect? Pls. Help with advices.
   hi dear Mr. unknown what you say is true only in case of third party liability not to own damages - in my friends case the company refused to cover damages for the non-compliance of intimation of change of ownership.

   • ANSWER:
     whoever holds the title of the car is the owner of the car. The insurance should be changed to the owner's name. Once a car is sold to another person insurance under the previous owner stops (even if they never tell their insurance company).

10. QUESTION:
    how long a period can motor vehicle insurance points be charged to a policy holder?

    • ANSWER:
      depends on the state, in mass it's six years.

11. QUESTION:
    How do I get A bond insurance for a motor vehicle?
    I need a bond insurance to cover a car my parents are letting me drive because my step mom cant get me on her insurance so I wanted to get a bond insurance to cover any vehicle I drive

    • ANSWER:
      Posting a bond in place of auto insurance is only for large business that can put up ,000 to ,000 cash to cover possible accidents they cause; it's not for individuals. Why can't your stepmom put you on her insurance? Has she, or her agent, explained that?

12. QUESTION:
    In Florida, there are __________ motor vehicle insurance laws; t is important that you understand these laws?
    A. two
    B. three
    C. four
    D. five

    • ANSWER:
      laws are not multiple choice you need to obey the laws or don't drive

13. QUESTION:
    Insurance companies by default report to DMV and it goes to your motor vehicle report?
    If you have a minor at fault accident and it was not reported to police in such cases insurance companies always report to DMV and it goes to your motor vehicle report and can it affect getting a job or promotion?

    • ANSWER:
      No.
      Insurance companies report to a database shared by them. They do not report to law enforcement.
      Your DMV driving record and your CLUE report (this is the insurance database) are separate.
      I would be pretty shocked if your employer were to check CLUE, and even more so if they were to hold a minor at fault accident against you.

14. QUESTION:
    Motor vehicle claim insurance-ontario?
    I was in a car accident 1 year ago. I was tboned making a left and was 50% at fault.
    After the accident I was in a lot of pain,
    lower and mid spin and neck and shoulders. I went to my family dr who refused to see me as he did not deal with motor vehicle accident patience. I went to a pain clinic and began treatment with a physio and chiro as well as massage therapy and some acupuncture. None of the treatments seemed to be working. My adjuster was a real b*tch and was denying a lot of therapy and sending me to many different dr. I have a lawyer who deals with my adjuster regularly. Insurance was covering child care and housekeeping and adendant care costs as well as treatment. My adjuster started sending me to her drs. I saw an ortho surgeon of hers and he recommended an MRI in October. My adjuster did not read the report until June and only sent me for MRI in June. She sent me for another assessment with a different ortho in march before the MRI and he denied that there was anything wrong with me and requested my benefits be cut off. The MRI results came in the end of June showing 2 herniated discs causing inpingement. I got a new family dr who percribed gabapentin and I have since seen a neuro who reccomends and emg internal nerve testing. He thinks I have nerve damage causing radiating pain.
    I feel due to the lack of work my adjuster has done I have suffered a lot more. If I had an MRI back in Oct I could have prevented further nerve damage. And the ortho back in march decided I didn't have anything wrong with me. Are these cases to sue both adjuster and doctor?? Would I win if I did? What kind of settlements am I entitled to?

    • ANSWER:

15. QUESTION:
    if you get a speeding ticket in indiana, will it go on a illinois motor vehicle report for insurance?
    specifically, reciprocation laws between illinois and indiana. i already know that there are none for michigan and wisconsin with illinois but am curious about indiana

    • ANSWER:
      Yes it will, most neighboring states share the information.

16. QUESTION:
    customer rep. limited to private passenger motor vehicle insurance? (4-42 license)?
    Im looking into getting that license for florida, anyone know what the outlook is like with that license?
    Heres the link, its an online course. http://www.myfloridacfo.com/agents/Licensure/General/index.htm

    • ANSWER:
      You need to see what jobs are being offered in this field of work.

17. QUESTION:
    How long do motor vehicle points affect your car insurance?

    NJ - Progressive Insurance

    • ANSWER:
      it depends on the state you live in as well as what company u are insured with. we need more info.

18. QUESTION:
    I am 35 yrs old and disabled due to motor vehicle accident. What is the best secondary insurance for me?
    I just received medicare insurance. I've been looking for a secondary but most of them are only for people 65 and older. Is there an insurance out there that will fit my situation?

    • ANSWER:
      you can get Medicaid thru your state. also, check into compassionate payers. depending on your situation, they will have you apply for a grant. you could be approved for X amout of dollars to cover meds, whatever.

      just google search "compassionate payers"

      good luck!

19. QUESTION:
    What insurance must you have on a motor vehicle with 4 or more wheels??
    ONE MORE QUESTION.... if your driver license is revoked for DUI or suspended for too many points what type of insurance must you either purchase or prove that you had on the date of the violation??

    • ANSWER:
      Question 1...
      If you don't plan on using the vehicle for commercial use, regular insurance will cover you. If you are running it for profit, there are companies just for that purpose.

      Question 2...
      I am not fully understanding the question. Firstly, you need your SR-22 (Suspended/Revoked Driver License), then you need to find an insurance that will insure you, and then stay clean for a LONG while...
      If you had insurance on the date of the violation, ask your insurance company to send you a copy of "Proof of Coverage" to take with you to court. If you have already been convicted, you're just about out of luck...you may want to talk to an attorney.

20. QUESTION:
    Is it true if i cancel my insurance without returning the plates, motor vehicle will find me .00 a day?
    Thats what my insurance company said.....I live in new jersey..USA

    • ANSWER:
      Not too sure about NJ, but years ago in MO I had to cancel my insurance to help pay other bills. When I eventually started insurance again, I just switched companies and told the new company I was sick and tired of crappy customer service from the other guy. They asked no questions, I paid no "uninsured" penalties.
      It may be different nowadays though, because even though I had an expired proof of insurance paper in the glove box, during a traffic stop the police officer was able to view on his in car computer that my insurance had not actually expired or had been cancelled. Maybe your state is different?

21. QUESTION:
    What is the average insurance settlement for a motor vehicle accident in Ontario?
    I had a serious shoulder injury which required surgery,limited neck mobility and sleep disorders from the accident
    How much of a settlement might I expect?Has anyone had any experience with this type of injury/claim?

    • ANSWER:
      Insurance company will find the value of your car and pay you for whats it worth. They will also cover any injuries you sustained. Then you can sue the other person for damages so that you can buy a new car.

22. QUESTION:
    in texas does health insurance cover motor vehicle accident injuries?

    • ANSWER:
      Usually, it covers in EXCESS over the 00 required by law, under PIP coverage. PIP is required, for any auto owned by you, or any of your household members.

      If the car is legally being driven, then it has PIP coverage, and you have to file your medical bills under your policy first.

      You'd have to refer to your plan, and your agent, about how your auto and health insurance coverages coordinate.

23. QUESTION:
    permit use of motor vehicle with no insurance?
    the cops are trying to do me for the above, are these charges saviour? whats the worst they could do?
    anybody else been charged with same charges? and what was the outcome
    i have pleaded not guilty as iwasnt the driver and the car was tooken without my knowledge

    • ANSWER:
      The worst they could do was to put you in jail. You better pack a toothbrush. Spell check

24. QUESTION:
    How do I renew my proof of vehicle insurance if it is under my mother's name?
    I'm 19 and my mother pays for my insurance. I need to get new proof of insurance for my car and it's past the expiration date for my auto insurance card. I need to do this on my own for complicated reasons and within the next three weeks before my court date. Are there fees involved? Do I need to go to the motor vehicle department? What do I need to bring with me? I'm freaking out right now and need to know EXACTLY what to do if anyone can help! Thx!

    • ANSWER:
      If mom hasn't paid the renewal premium, you can always send a check for it or reinstatement; just ask mom for the bill or call her agent/company. When you get the new/renewal policy, you'll get a new ID card; take that on the court date and you should be OK. If there was a lapse, though, you might still get a fine.

25. QUESTION:
    Vehicle with parking insurance but no motor?
    I recently lost my job and blew the motor in my car and had to put it on parking insurance. I asked my agent and she said that parking insurance definitely covers hail damage. The thing is, I pulled the motor out of the car so that for when my new one eventually gets here it'll be ready to put in. Were about to get a pretty big storm here with a possibility of hail does anyone think I'll have any problems claiming this?
    Thank you but I know it covers hail, I'm just wondering if I'll have any problems making an insurance claim if I there's no motor in the car?

    • ANSWER:
      In the USA, the "parking insurance" as you call it is called comprehensive and yes, hail damage will be covered as well as fire, theft, windstorm, vandalism and acts of God.

26. QUESTION:
    Why does CAR INSURANCE cost more when a CAR/ motor vehicle is PAINTED RED?
    Why does the color red coast more to insure ?

    • ANSWER:
      Because it is scientifically proven that seeing the color red increases your heart rate and metabolism. So cops will be more likely to pull over a red car going 10 over than a blue car or yellow car. Same reason why all the fast food places are the color red. Increasing your metabolism helps you digest and makes you more hungry than you'd normally be, helping the company sell more of its product to you.

27. QUESTION:
    I'm suing an insurance company for a motor vehicle accident?
    I'm 16 and my mom wanted to sue, They are going to offer around 75 - 100 thousand. I was told that if your 16 you can get the money, but I don't know if that's true.

    So my question is, Is it true or false?

    • ANSWER:
      You are not suing the insurance company..you are suing the person that hit you..that person is covered by insurance. The judge will probably demand that the money be placed in a trust. However, if you have not sued yet you are not guaranteed anything. You can only hope that you are offered a settlement. BTW jurys are getting tired of these accident payouts..so you had better hope they want to settle and not drag you through a trial. Because winning is not guaranteed.

28. QUESTION:
    does motor trade insurance cover anyone to drive the vehicle?
    A friend has trade insurance on his car and say it is ok for me to drive does the insurance cover me without being named on his insurance. I have my own insurance on my car.

    • ANSWER:
      A full traders policy does include all drivers over the age of 21 that holds a full licence.

      On the other hand there might be clauses in the policy and its up to the person who holds the policy to define and show you the cover allowed.

      Do not take someone elses word, without first checking the details yourself.. Its your licence that's at risk.

29. QUESTION:
    Is it best to pay off your insurance for your motor vehicle in one go,to avoid stealth interest,?

    • ANSWER:
      Usually its cheaper to pay it all at once or you at least get some sort of discount. Plus you don't need to worry about it for another year

30. QUESTION:
    What would a fair Insurance Settlements amount be for ped vs motor vehicle, with only minor injuries?

    • ANSWER:
      Depends on what state you are in.

      Medical payments and lost wages - but there probably aren't any lost wages.

31. QUESTION:
    Motor vehicle accident claim through insurance-ontario?
    I was in a car accident 1 year ago. I was tboned making a left and was 50% at fault.
    After the accident I was in a lot of pain,
    lower and mid spin and neck and shoulders. I went to my family dr who refused to see me as he did not deal with motor vehicle accident patience. I went to a pain clinic and began treatment with a physio and chiro as well as massage therapy and some acupuncture. None of the treatments seemed to be working. My adjuster was a real b*tch and was denying a lot of therapy and sending me to many different dr. I have a lawyer who deals with my adjuster regularly. Insurance was covering child care and housekeeping and adendant care costs as well as treatment. My adjuster started sending me to her drs. I saw an ortho surgeon of hers and he recommended an MRI in October. My adjuster did not read the report until June and only sent me for MRI in June. She sent me for another assessment with a different ortho in march before the MRI and he denied that there was anything wrong with me and requested my benefits be cut off. The MRI results came in the end of June showing 2 herniated discs causing inpingement. I got a new family dr who percribed gabapentin and I have since seen a neuro who reccomends and emg internal nerve testing. He thinks I have nerve damage causing radiating pain.
    I feel due to the lack of work my adjuster has done I have suffered a lot more. If I had an MRI back in Oct I could have prevented further nerve damage. And the ortho back in march decided I didn't have anything wrong with me. Are these cases to sue both adjuster and doctor?? Would I win if I did? What kind of settlements am I entitled to?

    • ANSWER:

32. QUESTION:
    Will I need liability insurance when I register my motor vehicle?

    • ANSWER:
      The only state that doesn't require that is New Hampshire. Otherwise, state law and common sense require it. And don't settle for the state minimum limits (usually 25/50/10 or similar; they're a joke as far as protection goes. When you get your insurance, ask about increasing them for a few bucks more.

33. QUESTION:
    If you are convicted of operating a motor vehicle while intoxicated, does it affevt your insurance?

    While my license is suspended, my current vehicle is broke beyond repair anyhow, but when I get my license back I need to buy a new car. I have been told to not cancel the insurace policy on my current/broke car until I get my new car- that the insurance company will not find out about it. Then I should pick up high risk on my current/broke vehicle and cancel it after I get my license back. That has to be against the law.

    • ANSWER:
      Yes ... assuming you can still find someone who will insure you at all.

34. QUESTION:
    does standard insurance have the capacity to serve its motor vehicle policyholders?

    • ANSWER:
      Capacity refers to the ability of a company to pay claims. Obtain the financial statement of the company and you look for the written premium to surplus ratio. Surplus refers to the amount of money available to pay claims. Written premium refers to the amount of business they write with the agents. So, if the company writes more than is available to pay claims, this is considered a bad thing.

35. QUESTION:
    i need to know the new car tax rules and motor insurance rules for 4x4 vehicle?

    • ANSWER:
      go to the DVLA web site.

36. QUESTION:
    What is motor insurance? Is it mandatory for a vehicle to be insured?

    • ANSWER:
      To Be honest,It will take a little time to find the answer for the question of yours.have a look at the resource here http://www.insuranceidea.info/free-insurance.htm for your reference .

37. QUESTION:
    If my teenager gets his first drivers license will my auto insurance find out from the Motor Vehicle Dept?

    • ANSWER:
      Only if you had to file a SR22. If the teenager is going to operate the vehicle, I would strongly suggest you add him/her to your insurance policy, which will probably increase in premium rates.
      Keep in mind, if the teenager drives your vehicle and gets a ticket, or in a collision, your insurance carrier may revoke coverage alltogether leaving you with a hefty bill to cover.

38. QUESTION:
    what % of insurance claim for motor vehicle do i have to pay when car is written off.?

    • ANSWER:
      Whatever your deductible/excess is. Also, if you owe more than the settlement, you still need to make your payments unless you have gap coverage.

39. QUESTION:
    How do you start an insurance copmany?
    I'd like to only do motor vehicle insurance for myself and known friends.

    • ANSWER:
      There are several questions you will need to consider.

      1. What type of company (Mutual or Corporation)
      2. How much starting capital do you have. There are minimum requirements that vary by state.
      3. What state do you want to write in?

      Check the appropriate Department of Insurance web site for the licensing requirements.

40. QUESTION:
    need help finding information on whether person had insurance at time of motor vehicle accident?

    • ANSWER:
      check with the persons insurance comp. if they gave you the comp. name after accident
      check with your local DMV
      ask the police that were involved after the accident

      B.

41. QUESTION:
    Live in Massachusett. Had motor vehicle accident. My own insurance company said I was at fault.?
    Then they notified me that I was being surcharged and would have point added to my insurance step rating. I appealed. At the appeals board hearing, i was found not to have been more than 50% at fault. My insurance company reversed the surchargable points they had initially assessed against me, however, they refuse to refund me my 0 deductible, claiming they only have to reverse the surchargable points. I cannot get the claims adjuster to refund my 0 deductible. What should I do? Any laws or statutes I can reference?

    • ANSWER:
      They don't have to refund your deductible, that is the portion you are responsible for. You agreed to that when you purchased your insurance policy - it is a deductible in which you chose. The only option you have, is to pursue the at fault party for your deductible. The only way your insurance company could in any way reimburse you the deductible is if they were able to recover it from the adverse carrier - when they send the file over for subrogatioln. Otherwise, if they recovered nothing from the adverse carrier they are not legally obliged to reimburse your deductible.

      Follow up with the adverse carrier - it will be your best shot. (and you may only be able to recover the % at fault you were not - eg. if you were only 25% at fault, you would only be entitled to 75% of your deductible.)

42. QUESTION:
    I got a ticket in NJ for 39:6b-2 operating a motor vehicle with no liability insurance.?
    My car was at a mechanic getting fix (at the time it got ticketed it was there for 11 months) The car was supposed to be kept on private property. And also the mechanic said he had dealer insurance i didnt need my own. I have a few questions first of all. The car was parked i wasnt driving the car is this ticket still good? Secondly i've heard if you have other insurance in the household the auto in question is technically "insured". I personally have full coverage on a late model BMW and another family member full coverage on two other cars. I didnt have insurance on the car being fixed because it was being fixed for a LONG time(11 months) .... Any advice? Or help with the exact meaning of the law i alledgly broke 39:6b-2. One last thing it was only uninsured for 2 weeks.
    Any ideas?

    • ANSWER:
      if you can prove at the time of the ticket that your car was not a motor vehicle . (if there is no engine in it) . when does a motor vehicle cease to be a motor vehicle. no motor?. then it's a trailer . good luck

43. QUESTION:
    I live in Massachusetts. Was in a single car motor vehicle accident in Rhode Island. I was a passenger.?
    The accident happened about one month ago. Got seriously hurt. The owner of the vehicle I was in lives in Rhode Island, where the car is also Registered and Insured. The insurance policy is a bare minimum policy. I have no household automobile insurance policies and do not own a car. I live in an apartment. I am not on anybody's insurance policy. My question is, "If it becomes necessary, can I file suit against the driver of the motor vehicle and his insurance carrier in Massachusetts.......or must I file suit in Rhode Island where the accident happened, where the defendant lives, and where the defendant's motor vehicle is registered and insured. Please refer me to any Massachusetts and/or Rhode Island statutes that might be helpful. Thank you.

    • ANSWER:
      You can sue the driver's insurance company and be paid in full usually without having to go to court. I believe it's 20 or 40K per passenger for minimum coverage. The lawsuit would take place in RI because that's where the driver is insured. It doesn't matter where you live or if you're insured.

44. QUESTION:
    "If i have 2 motor insurance policies on two seperate vehicles, do i have to let the other insurance company k?
    "If i have 2 motor insurance policies on two seperate vehicles, do i have to let the other insurance company know if i make a claim against one of the policies, and if so will it affect my no claims and premiums of both policies. As i will be asked when renewing if i have made any claims in the last 5 years?''

    • ANSWER:
      It wont hurt to tell them that way you are covering your own back.

      If you have your no claims bonus protected you wont loose anything.

      Normally you wouldve had to tell them that you use another car and that you have another policy anyways.

45. QUESTION:
    Is Reliance Motor Insurance good in Bangalore?
    I just bought a 2nd hand Vehicle. I have to renew the insurance policy on it. Is Reliance Motor Insurance good in Bangalore? Is anyone a current customer of theirs?

    Also if not Reliance Insurance, which is a good motor insurance provider in Bangalore?

    • ANSWER:
      yes

46. QUESTION:
    What will happen when my insurance company doesn't renew my policy?
    My insurance company says they won't renew my policy because of the incidents on my record. I live in massachusetts and they say I will be entered into the Department of Motor Vehicles insurance pool or something like that? Can someone explain how this works and about how expensive this is going to be for me?

    • ANSWER:
      You will have a difficult time finding an insurer and when/if you do it will be expensive. Go on the Mass DMV website to get info on the "pool". Getting insurance in such a pool will not be cheap but it may be the best option for you.

47. QUESTION:
    what insurance must you have on a motor vehicle with 4 or more wheels??

    ONE MORE QUESTION.... if your driver license is revoked for DUI or suspended for too many points what type of insurance must you either purchase or prove that you had on the date of the violation??

    • ANSWER:
      All state require you to carry Liability Insurance.

      If your license is suspended you will need to get an SR22 and I would suggest you riding a motor scooter. They don't require you to be licensed depending on how big the motor is.

      Some people call them Liquor Cycles.

48. QUESTION:
    Another question about my insurance claim from a Motor Vehicle Accident...?
    Ok so I have asked another question about the same topic which resulted in me not going to get a lawyer for my accident i'm just going to let my insurance handle it.

    Here's the accident to refresh your memory, I was driving down a road and an old lady was making a left turn off a side straight and instead of going ahead and gunning it to turn she just braked so we hit (front of my car hit side front of her car) she's def. at fault. And her insurance company has already had my car fixed.

    Now one more question.. My dr's have found that I have a torn rotator cuff .. so whats next is to schedule surgery to repair that then physical therapy.. Her insurance company contacted me today to let me know that when i'm treated from the injury then they will give me my claim... How much should I be expecting - the adjuster said today they will take into consideration pain and suffering, medical bills, and missed work but i'm unemployed - so how will that work? I'm just wanting to know what to expect when the insurance person calls me and gives me an offer.. any idea?

    • ANSWER:
      There's no way to know. It's going to depend heavily on what state you are in, and her policy limits - plus, how much the surgery and physical thearpy cost.

49. QUESTION:
    Is there any guideline to claim Insurance? either for Life or Motor vehicle?

    • ANSWER:
      Life: Most LI companies have a significant list of unpaid claims because they are not notified of the death of an individual. There are generally long limits to make a life claim.

      Auto: Depends on the state and the company.

50. QUESTION:
    Do parking lot accidents appear on motor vehicle background checks?
    Backing up out of a a tight parking situation, another non moving car is hit. No police report is filed, insurance info is exchanged. Does that appear on a motor vehicle background check?

    • ANSWER:
      i dont know ae