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Questions and Answers RSS FeedsHow long does a speeding ticket stay on your record in Indiana? - According to the Indiana Bureau of Motor Vehicles (BMV) points associated with a traffic offense, such as speeding, may be disregarded after 2 years but the violations remain on the record since IN state continues to track your violations. Most carriers only review the previ ...Feed Source: www.carinsurance.com My license was suspended in Illinois for speeding. I recently received a no operators license ticket in Nebraska. What exactly does that mean? - If Illinois is your licensing state and they have suspended your driver's license than it is suspended in all states and thus you should not be driving since you do not have a valid license. A state that is not your licensing state can only take away your driving privileges in t ... Does Florida have a law that provides a presumption of negligence for a rear end accident? What is it? - Florida does have a presumption of negligence for a rear-end accident however it is not a state statute that we are aware of but instead Florida case laws that has set this precedent. In all the cases we have read with a presumption of negligence for the driver that rear-ended ... How long do you need to have your permit before getting a conditional license in Massachusetts? - The graduated driver's licensing (GDL) process in Massachusetts starts with obtaining learner's permit and then moving up to a Junior Operator's License (JOL) which must be the conditional license you are referring to. You can apply for a permit when you are 16 years of age. O ... Can a body shop pay or discount my $500.00 deductible? - Any agreement between a private party and the body shop is between them. Normally a body shop that works with an insurance company will not pay off or discount your deductible amount. This would seem unethical in that it would appear they would just over-inflate the estimate ... If my daughter is 16 years old and she has received her NC driver license, can she drive the family car without supervision? Secondly, does she have a provisional license or just a standard driving license like all licensed NC drivers? - The North Carolina Driver's Manual, available through the NCDOT Division of Motor Vehicles , states that drivers under age 18 are provisional licensees. Because these drivers have a much higher crash rate, special laws apply to them. So as a driver under the age of 18 your daug ... I hit black ice, my truck went into the ditch, hit a small tree and rolled over. Is this an at fault accident when no one else was involved? - State laws and insurance guidelines for what is considered an at-fault accident and incident differ however in general a driver is responsible for maintaining control of their vehicle at all times and thus by losing control on the black ice you would normally be found at-fault ... How much is a ticket for driving with no insurance in the state of New Jersey - In New Jersey , driving without insurance or not being able to show proof of auto insurance when requested is a serious offense with harsh penalties. A citation for this violation of the New Jersey law may result in fines, community service, license suspension and surcharges ac ... When did gap insurance start? - To the best of our knowledge Gap insurance began to be offered in the early 1980s to help those insureds who purchased a car and due to rapid depreciation of the vehicle found themselves owning more than the car was worth if it was in a total loss situation. When you owe more ... I am being held 10% liable for a collision that was caused by a driver passing a stop sign without stopping. I had no controls on my traveling road. The insurance company said that I had a last clear chance to avoid the collision. What is comparative Negligence and "last clear chance"? - States typically have either a comparative or contributory negligence laws. Comparative negligence laws mean that parties involved in an accident may share the cost of damages from an accident in proportion to the share of their negligence. A motorist determined to be 50% or l ... How long is someone placed on assigned risk after an accident, and what are the rules in California about placing a person with insurance on assigned risk? - Drivers are not usually placed on assigned risk after just one accident but are done so if they have a bad driving record or a number of accidents. The Department of Insurance (DOI) for California defines an assigned risk as a driver who is not acceptable to a standard lines i ... Why must I insure each vehicle I own when only carrying a Liability policy? I am only able to drive one vehicle at a time, so what difference does it make what I am driving if the vehicle isn't covered? - While you can only drive one vehicle at a time, in most states to have all of your cars registered they must also have insurance on them. Personal auto insurance companies do not normally offer one blanket liability policy that you pay for one car but can drive several other c ... In 2009, what new auto insurance laws do they have in Georgia? - As of January 1, 2009 there will be some changes to the Georgia insurance laws due to the passing of Senate Bill 276 in 2008. As passed by the house and senate, SB 276 amends Title 33 of the Official Code of Georgia Annotated, relating to insurance, so as to limit coverages un ... Why is North Carolina so different and annoying with their insurance requirements in 2009? - North Carolina is different from most states for car insurance, please read about ceding in North Carolina to learn more of the differences. In 2009, some new laws go into effect requiring more car insurance. Effective January 1, 2009, North Carolina House Bill 738 requires all ... How many points do you start off with on your driver's license? - State point systems vary greatly from one state to another however you start with 0 points on your driver's license. Then depending upon your state's point system you may only receive negative or demerit points on your license and driving record for violations of the law or if ... Is auto insurance cheaper in South Carolina (SC) for a single person or a divorced person? Both female age 23. - Insurance company rating systems differ with regards to factors such as marital status however in general we have found that whether you are single or divorced the rates we have seen in South Carolina have been the same. You can easily go through our online car insurance qu ... In Northern Virginia, what age do you have to be to get your license? - According to the Virginia Department of Motor Vehicles you must be a resident of the Commonwealth of Virginia and at least 16 years and 3 months of age to obtain a Virginia driver's license. To obtain a learner's permit, you must be at least 15 years and 6 months of age. If y ... Is it possible for someone to need SR22 insurance and not have had a DUI? - Yes, it is possible for a person to need a SR-22 and not have had a DUI conviction. There are many reasons that a person may need to show proof of financial responsibility with the SR-22 filing beside because a person had a conviction for driving under the influence (DUI). The ... I have a Virginia license and got a speeding ticket in Maryland. Will points be added to my VA license? Will my insurance premium go up? - Maryland, the state where you obtained your speeding ticket, and your home state of Virginia are both members of the Drivers License Compact (DLC). This agreement requires member states to report out of state moving violation convictions back to the state where the driver is lic ... I have a family member who was involved in a fender-bender in Delaware on Christmas Eve. He and is wife were driving in a parking lot and were hit by another car. The car and insurance are in the wife's name because the the husband is unlicensed. The husband was driving but that was not acknowledged in the report nor did the police officer care because the parking lot is private property (this is what was told). They towed the car, not sure about the damage to the other car. What time of fine will he receive? - Delaware Code Title 21 Section 2701 discusses driving without a license and the penalties. Here it states under Subsection (a) that no person shall drive a motor vehicle on a public street or highway of this State without first having been licensed under this chapter, unless e ... Copyright © 2009, JayKay's Link Exchange. All Rights Reserved. |