Car Insurance Costs
General Insurance

DMV shows my license being suspended for 3 months because paperwork was submitted late. My insurance has skyrocketed, how can I correct this?

As far as I know, there is no way to get rid of the license suspension unless there is a legal loophole. You could always consult a lawyer who specializes in driving records to see if something can be done.

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General Insurance

Should I take my 23 yr old daughter off of my insurance? She recently was involved in an accident and has a DUI pending.

Yes, it would be a good idea to remove your daughter from your insurance policy due to her recent DUI and suspended license — both of which would impact your insurance by way of a much higher premium. Find out just how much a DUI can impact your rates here. Even with the citation and suspended license, she'll be able to find her own insurance — though that may be difficult.

General Insurance

If a car isn't going to be used for a certain amount of time, does it need to be insured?

As long as the vehicle is still registered and licensed, then it needs to be insured. Pennsylvania can suspend your license if you suddenly drop insurance off a vehicle.

Eligibility
General Insurance

Car insurance with a suspended license

Your best bet for finding insurance is to speak with a local independent agent. These agents are licensed to write unique policies and might be familiar with companies in your area that will issue suspended-license car insurance.

Coverage & Claims

Will I get my license taken away for driving without insurance in ga?

Driving without insurance in any state is a pretty serious offense but the consequences can vary. You could face up to $185 in fines and a year in jail (unlikely for your case).

General Insurance

Do I need an FR44

You should be able to reinstate your license if you can pay the reinstatement fee, provide proof of insurance (which is what your FR-44 refers to), and resolving any unpaid fees or dues. An FR-44 is similar to the more commonly requested SR-22 - is it a certificate of financial responsibility that you must file with the state after certain convictions.

Coverage & Claims

My 17yo son lost his license, what do I do with the insurance?

The decision will ultimately be determined by the policy rules of your insurance company. Because he won't be driving for 6 months but is of driving age, your best bet would be to see if you could "exclude" him from your policy for the duration of his suspension.

Coverage & Claims

Getting into an accident with a suspended license

I would recommend looking at the policy documents you signed at the beginning of your policy. Most policies have certain stipulations regarded suspended licenses because you have to have insurance in order to get your license validated.

Eligibility
General Insurance

If I'm buying a car but don't have a license, can my dad insure it for me in his name?

Louisiana law requires that the owner of the vehicle also insure it in their name. If you are the titled owner of the vehicle then you will also need to register and insure it under your name.

General Insurance

Why does my wife with a suspended driver license have to be on my car insurance?

Even though your wife isn't supposed to drive, she still has regular access to the vehicle. Your spouse must be listed to account for a person of driving age that lives in your house.

General Insurance

Do I need storage coverage for my vehicle if it isn't running?

In Minnesota, if the vehicle is inoperable then you don't have to carry insurance. Storage insurance would provide physical damage coverage so your vehicle is protected while it is being stored, but it does not provide coverage to drive on the road which wouldn't make you legally compliant anyway.
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