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If you get a speeding ticket in Tennessee going 67 in a 45 and you opt to pay the ticket, will it show up in North Carolina?
Every state shares all info when it comes to driving records. The speeding ticket will show up on your license when insurance companies run your MVR — which is used as a reference in all 50 states. See our guide to get an idea of how much that speeding ticket will affect your premium.If you have an…
What does "walls out" coverage mean in an HOA policy?
Walls-out HOA coverage protects the building exterior, not your interiorI believe they are saying that since the damage is to the interior of the condo, then it is the unit owner's responsibility to get any damages covered — whether they need to pay out of pocket or use their own condo insurance. T…
What happens if someone makes a false car insurance claim against me?
Thank you for your question. After an accident, I recommend taking pictures and recording as much information as possible. If the fault is difficult to determine, call 911 and file a police report. If you have any of this information currently, it can be helpful.At this point, I recommend contactin…
Are insurance proceeds taxable?
Thanks for your question! In general, insurance proceeds, or money you receive as part of a claim or settlement, are not taxed. This is because insurance payouts are not actually making you money, but bringing you back to your previous status. The IRS only taxes income, while these proceeds are jus…
My insurer says I have past speeding tickets, but I've never had one. How do I address false and inaccurate citations on my record?
I think it's worth trying to resolve it because a better driving record can help your rate quite a bit. If multiple insurance companies are showing that you have these tickets, then I would call the state and see what they have on your license — this could simply be an error. I suggest you get a co…
Is the type of siding on a house, like vinyl, a rating factor for insurance premiums?
There is no straight-forward answer to what building materials you use for your house and the homeowners insurance rate you will end up with. Here's a tip to keep in mind that may help you make a decision: brick, stucco, and concrete are preferred by most insurers because they tend to be flame-reta…
Can I drive a truck I'm buying across state lines, without plates, to get it home?
I would call up your local DMV or appropriate state department and ask them what to do. Most states allow you to pay a small fee and show an out of state status and they will issue you a temporary paper plate for the vehicle to be relocated. You should have no issues transporting the truck across s…
Should both my girlfriend and I be on the car title?
I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell. As far as the insurance goes, you would both need to be listed drivers on the policy if you share the vehicle and …
My car was towed by an apartment complex. Will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Unfortunately, that means State Farm will likely not cover the cost of your car being towed from just being parked in the wrong location in an apartment complex.Sorry for the inconvenience. If you have any ot…
What do I do if a person hit me from the back and now is claiming to their insurance that I hit them?
Sorry to hear about your situation. From what I can gather, it appears that she hit the rear of your car while you were waiting at the gate of your apartment complex. If this is true, it's going to be quite difficult for her to make the case that you backed into her. That said, with no witnesses or…
