I don’t know what SR22 insurance here in Illinois mean so I would really appreciate if you enlighten me on that part. I heard as well that it’s an expensive car insurance policy, could you explain why?

Lorraine

Naperville, IL

SR22 Illinois may be an alien term to you, but if you have a tendency of violating traffic rules then chances are you will have to know what this is. SR22 car insurance is a certificate issued by a car insurance agency to high risk drivers who have been charged with traffic misdemeanor. The cases may range from DUI to driving without the necessary car insurance coverage to reckless driving. It is true that SR22 insurance is an expensive car insurance policy as compared to other types of car insurance policy so be careful every time you drive.

To get SR22 Illinois, you need to contact a specialized SR22 car insurance company. This type of car insurer is usually more reliable in giving less expensive SR22 car insurance policies. You should also remember that not all car insurers give SR22 insurance, so it would be best to go directly to an SR22 insurance company. Another important reminder is that you won’t have to settle with the first SR22 insurance quote that you get. You need to compare several SR22 car insurance quotes that you obtain from multiple SR22 car insurance companies. Doing this means that you did all that you can to find the best SR22 car insurance coverage that is right for your budget.

I live in Texas. I have had late payments in my car insurance premium. Will my rates go high in the future because of this?

Maria

Houston, TX

A number of things may result from not being able to pay your premiums on time. Car insurance providers in Texas will definitely consider your late payments as a negative point against you. This could possibly result in increased premiums in the future. Worse, your insurance provider may also refuse to renew your policy. Much worse, they can cancel your coverage completely.

Delivery of your payment to the car insurance company does not always mean reinstatement of your coverage. They may send back the payment to you through mail if they have cancelled your car insurance policy. Other companies keep the payment to apply to any balance you may still owe them.

But let’s say something untoward happens, like you get into an accident. There you are calling your insurer, and you’re turned down because your policy has been cancelled due to delinquent premium payments. Then since you no longer have car insurance, the state government could cancel your license.

Right now, this scenario may seem a bit improbable or exaggerated to you. But it’s not a good idea to be clueless about your car insurance status, either. So, always keep yourself updated by calling your agent and avoid future headaches.

In Minnesota, what is the maximum auto liability insurance?

Ed

Minneapolis, Minnesota

Typically, a state demands that a person carry certain minimum liability insurance. In Minnesota, each registered vehicle is required to maintain minimum auto insurance for each of the following coverage:

Liability insurance should cover $30,000 for injuring one person, $60,000 for injuring two or more persons, and $10,000 for injuring the driver of the other vehicle or for property damage.

Personal Injury Protection should cover $40,000 per person (50% for medical expenses, 50% for expenses that are not medical in nature such as payment for replacement services and lost wages).

Uninsured motorist coverage must be $25,000 for one person and $50,000 for two or more persons.

Underinsured motorist coverage must be $25,000 for one person and $50,000 for two or more persons.

The state’s Department of Commerce states that if the vehicle is not yet fully paid, the lien holder must require you to have a comprehensive and collision coverage. If you don’t carry this coverage, the lien holder may pursue a “forced insurance” wherein he will carry the coverage and just charge you for it. This may be too expensive for you as it may carry the comprehensive and collision coverage that is above the state’s minimum requirement.

Therefore, there really is no maximum amount for liability insurance. It is only up to you and the lien holder to determine what other coverage you need to keep on top of what the state is requiring.

I got involved in a car accident two months ago while driving my parent’s vehicle and got totaled. I am now purchasing a new vehicle and would like to get car insurance in Bloomington, Minnesota. The car insurance company is asking if I have been in an accident for the past five years. Should I say since the car insurance claim in the accident was not under my policy?

Ben

Bloomington, MN

Since the car insurance claims record in the accident was under your parent’s auto insurance, it would be your driving history under your name that would list the accident since you were the operator of the car.

When applying or renewing information for car insurance policy +you need to provide accurate information. So when applying for auto insurance and you are asked if you have been involved in an accident in the past five years you need to tell them the truth.

If you leave off information on your car insurance application for you to get lower car insurance rates, most states will find this to be a form of fraud. Therefore if you provide incorrect information the insurance carrier’s car insurance quote for you will not be accurate.

My 18 year old daughter is covered under our car insurance policy in Manchester, New Hampshire. She does not have car insurance on her vehicle. Is she covered if she gets into an accident while driving her own car? She has a DUI on her record, so I guess she still needs SR22 coverage

Vince

Manchester, NH

The state of New Hampshire does not require auto insurance but if you are at fault in an accident and you did not have car insurance coverage, you will be required to obtain one.

I suggest that if you own a car you obtain at least some type of bodily injury coverage and property damage coverage.

Since the car of your 18 year old daughter is not listed on your car insurance policy in Manchester, New Hampshire it is unlikely that your insurance carrier would cover her if she gets involved in an accident while driving her vehicle. You will need to verify with your insurance carrier to know for sure if she is covered in her vehicle.

I already have a health insurance and a life insurance in Omaha Nebraska NE. I just recently purchased a car and was told that I need to get auto insurance. What is an auto insurance? Isn’t having the two insurance enough already?

Rodel

Omaha NE

Hi, Rodel! I always like to meet people who appreciate the value of insurance. Insurance are there to offer financial assistance in cases when there are unfortunate events such as accidents, or worse, death. I can see that in this particular area, you are sufficiently covered already. Please take note, however, that auto insurance is an insurance specifically crafted for vehicles. It offers financial assistance for the policy owner to have the car repaired or replaced, as needed. Moreover, when you register your new car in the Department of Motor Vehicles in Omaha Nebraska NE, you will be required to have some form of auto insurance.

To ensure that you optimize your insurance and that you don’t pay for some coverage you already have, it will be best to review your existing policies. When you shop online by entering your zip code on the space provided here, make sure that the type of coverage you have selected excludes those already offered by your health insurance. For this setup, it will be safe to set up meetings with some local insurers in Omaha Nebraska NE. Make sure to bring your existing insurance with you so you and your insurer can jointly analyze the best type of coverage you would need under your auto insurance.

Remember that there are many insurance companies in Omaha Nebraska NE and it would be best to visit several before you choose which one to have a contract with. Remember that an insurer is someone you will have to deal with in the long run and you should feel comfortable with him or her.

I wonder if you could help me. My father is thinking of buying me a car in Oklahoma and he will register and insure the car in Oklahoma under his name. I will be added as the primary driver on the car insurance policy. However, I live in St. Charles, Missouri. Is this possible?

Fred

St. Charles, Missouri

Your father will need to speak with his car insurance provider and see if it is they will allow that kind of arrangement but generally most insurance providers will not allow this. Most insurance carriers will not allow the car to be in more than one household in a single car insurance policy so I dont think they will permit a car to be insured in Oklahoma and garaged in St. Charles, Missouri.

Another reason why that kind of situation will not work is that state liability laws are different in Oklahoma and Missouri, that is why the car needs to be insured in a state where it is garaged and driven.

The state of Oklahoma, requires minimum insurance of 25/50/25, while in the state of Missouri requires minimum insurance of 35/50/10 and uninsured motorist coverage of 25/50. I suggest that for you to be get proper insurance in Missouri, your father may have to include your name on the title of the car so you can register and insure the car in Missouri.

In Illinois, is there a law that say I am required to take their damaged vehicle to the  insurance carriers referred shop?

Clark

Springfield, IL

No I am not aware of any law that say you can take your damaged car to your Springfield, Illinois insurance carrier’s referred repair shop.

You are not required in the state of Illinois to use the insurance carrier’s preferred shop, or any that they referred you to. The Illinois Department of Insurance states that you are not required to use your insurnce carrier’s suggested repair shop for your wrecked car to be repaired. So you may be able to choose your own shop to repair your car but, if your repair shop charges more than the insurance provider suggested shop, you may probably have to pay the difference.

According to the Illinois Department of Insurance there is no law that states limits the number the company can ask for or how many estimates you must submit. Your insurance carrier may ask for various estimates to determine the median cost to fix your car.

Is car insurance more expensive for a new vehicle as opposed to an older vehicle?

Peterson

Anaheim, CA

Generally an older used car will cost less to insure since it is worth less than a brand new vehicle normally. In addition, cost of parts and repair tend to be lower for a used vehicle compare to a new vehicle and thus if the vehicle must be repaired after a wreck the expense should be less for the insurance company to fix the used vehicle.However it will still depend on the type of car as well as the age of it.

If you are looking for a vehicle to purchase and are trying to decide between a older car or a new vehicle in Anaheim, CA, you can obtain a car insurance quote on each car to check what the price difference would be for each to be insured.

Is there any program that I can enroll in or is there anything that I can do to reduce two points off my NJ license?

New Jersey does have ways in which licensed NJ drivers can reduce points from their MVR.

Up to three points can be subtracted from your driving record point total one year after:

• your license restoration; or
• your last point violation; or
• your driving record was violation or suspension free for the past year;
• you complete an MVC driver improvement program offered to problem drivers selected by the MVC. You can receive credit only once every 2 years.
• the last time annual safe driving points were subtracted from your record;

You total points will never go below zero. If you go without license violations or traffic violation for many consecutive years though you can zero out your total points. For the 2 points you have currently, you may contact the New Jersey Motor Vehicle Commission to find an approved traffic school to attend so that two points can be remove from your record.