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Is car insurance a hard or soft credit check?
Insurance companies thankfully run a soft credit check. There are companies that do not use credit as a rating factor (as we discuss in our related article), but they are hard to find. So, if you're worried about car insurance companies pulling your credit negatively impacting you, rest assured the…
Does the state offer a grace period for car insurance?
If you have another policy already established with a car insurance company, they might offer a grace period. Meaning, a few weeks from when you buy it until you need to add it to your policy. However, the state wouldn't have anything to do with this. If you have an established policy and this is y…
At-fault driver lied about having insurance
I would contact the police and let them know the insurance information provided is invalid. Give them all the information you have available to you; the other driver's license plate, police report, all photos of the incident, etc. Next, I would contact your insurance company and let them know what …
Driving record transfer from state to state
Most companies will only run the current MVR so in your case Texas would be pulled and the Illinois ticket will not show up. The issue would be if the underwriters pull the Illinois records and see the ticket they will add it to your policy after you have bound it. My best advice is to disclose the…
At-fault driver gave me the wrong information
I would contact the police with what info you have. If you have the plate they should be able to locate the owner and either pull his insurance info or track them down to get it again. Also you could check with the insurance company if just the policy number is wrong the company you are filing a cl…
Why is car insurance so expensive in Kentucky?
Kentucky is much more expensive due to their insurance laws. Indiana only requires you carry liability insurance. KY has a law that requires you to carry Personal Injury Protection. This covers medical costs regardless of fault in an accident. You may hear people call it "no-fault" Insurance. This …
Removing a claim from my insurance record
I would recommend getting what's called a CLUE Report. This is a comprehensive loss report. It would show your entire loss history with your name. Show this to your insurance company to prove you did not have an accident. This should remove the claim you are being rated for. Best of luck.
Is there a grace period for buying car insurance in GA from private seller?
While all cars need to be registered and insured by law in Georgia, the amount of time you are allowed to drive a new vehicle before adding it to your car insurance policy depends heavily on who you are insured by: some companies give you 30 days, some don't even offer a grace period. Therefore, we…
Do I have to tell my car insurance company about my lien?
You must report a lienholder to your insurerInsurance companies do not know who the lienholder is without it being explicitly provided, but many insurance agents will ask for it when they write the policy if you mention that your vehicle is financed. In general it's always recommended that you be a…
How can I find the exact date of my speeding ticket?
You need to contact the DMV in Arizona. In most cases you can order a record of your driving history - but it might cost a small fee. Another thing to think about is your rate increase. That's a pretty big increase just for a speeding ticket. In 2020, the average increase for a speeding ticket in A…
