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CarInsurance.com FAQ
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Description: Car Insurance Questions and Answers: CarInsurance.com offers consumers car insurance quotes, policies, news resources and this question and answer blog. If you would like to add this RSS feed to your page, you must keep the links to our site active. CarInsurance.com promotes a resource site for informed consumers. Contents: If my car slides off an icy road, is the damage covered under collision or comprehensive? Yes, it is covered on one of those. Each car insurance policy is different and defined by each state law and/or company filing guidelines so you will need to read through the terms of your policy and speak to your agent and/or claims adjuster to find out if sliding off of an... What Florida laws restrict or prevents the use of a Blackberry of electronic device while driving? As of June 2008 we are not aware of any legislation in Florida that has yet passed either banned the use of cellular phones while driving or a ban texting while driving. The Florida Highway Department of Safety and Motor Vehicles (HSMV) notes that the issue of driver distr... How long does underwriting have to notify the insured when deciding to take comprehensive and collision off of the insureds vehicle? It will depend upon state laws that regulate insurance companies' underwriting rules. So if your insurance company has decided that they no longer want to carry your business for physical damage coverages to your vehicle they would have to notify you in the way that your state... Does Gap insurance cover a total loss of my vehicle if I only have liability as my primary insurance? If you have no primary insurance that is paying out actual cash value (ACV) for your vehicle after it is declared a total loss than your GAP insurance would not usually be able to be used. Gap insurance is there to cover the difference between the actual cash value paid out... Can I drive someone else's car on third party? You will need to read through the terms of your third (3rd) party auto insurance policy to see if it covers you driving other people's vehicles. Insurance policies and their terms vary from insurance company to insurance company so that is why you will need to read your policy... What is the impact of driving with an expired license in North Carolina? Civil penalties as well as impact on insurance if cited for violation while driving with expired license. North Carolina statute 20-7 states that to drive a motor vehicle on a highway, a person must be licensed by the Division of Motor Vehicles to drive the vehicle and must carry the license while driving the vehicle. NC Statute 20-35 discusses the penalties for violating the l... Does California insurance have free window replacement for my vehicle? California insurance laws do not require insurance companies to offer free window replacement. There are some states that have laws in place so that insurers must waive the deductible for the comprehensive coverage claim for windshield repairs or replacement, California though... I would like to remove my daughter from my policy, she is 19 and has moved to her own apartment. When I place the call to my insurance company, is there any other verification I will need, or is my verbal phone call enough? I would like to have everything in order to expedite this change. The guidelines of how to take a driver off of a policy is up to each individual company so when you call in to your agent to request that your daughter to be taken off of your policy, since she has moved out of the house, he or she will tell you if your verbal request is enoug... I have a Maryland drivers license. I was caught speeding 11 MPH over the speed limit in Washington D.C. by a speed camera. The actual ticket only has a picture of my car, not of the driver (me). I will pay the fine to DC, but will this offense add points to my Maryland drivers record and/or be reported to my insurance company or put on my record? How would they know I was driving my car at the time? From the information we received from the Maryland Motor Vehicle Administration (MVA) the DC speed camera conviction would go on your MD driving record but not be assigned points or affect your insurance rates . Maryland and the District of Columbia (DC) are both members of ... I received a speeding ticket in the state of New York for doing 86 in a 65. I paid the fines for the ticket but now they have sent me a driver responsibility fee for 300 dollars. What will happen to my Maryland driver's license if i do not pay this fee? Both New York and Maryland are part of the Drivers License Compact (DLC) and the Non-Resident Violators Compact (NRVC). The DLC requires member states to inform the licensing state of a motorist of a conviction of a moving violation. So NYS will inform the MD Motor Vehicle Admi... Is there a grace period in the state of Tennessee if your auto insurance was cancelled due to a past due amount? While other types of insurance, life or health, may allow a grace period for your policy, auto insurance does not. In Tennessee there are insurance laws in place that regulate how an insurer must inform you of a cancellation due to non-payment, etc but not that there is any type... What are the laws in Florida concerning driving while using a cell phone? As of July 2008 we are not aware of any legislation in Florida that has yet passed concerning the use of a cell phone while driving. According to the Governors Highway Safety Association ( GHSA ) 5 states (California, Connecticut, New Jersey, New York and Washington), the Di... I live in Oregon and I just found out that my insurance was cancelled about 5 weeks ago. I contacted them and let them know that I had not received any notification of owing anything left on my balance and received no notification of the policy canceling. I found out by calling with a question regarding my coverage. They say that they sent out notification, but I received nothing. They say that I can start a new policy and want to raise my premium from $514 a month to $1400 a month. Isn't there notification laws. What do I do? Yes, there are notification laws in Oregon . According to the Oregon Insurance Division , your company must send you notice at least 10 days in advance of canceling your policy for nonpayment. If your policy has been canceled or "non-renewed" for a reason other than nonpayme... What is the time limit to file a claim to auto insurance after a collision? State laws vary on how long one can take to make a claim (or file a lawsuit). If there is no statute of limitations that a state mandates then an insurance company has their own internal guidelines that one must follow to place a claim within a prescribed time period. To give ... Our car was hit and totaled by an uninsured motorist ticketed for driving too closely and driving too fast for the conditions in the state of Maryland. What does Maryland law state about driving without insurance while being at fault in a car accident? As you are aware, Maryland state law requires 20/40/15 as the minimum insurance coverage on an automobile. These numbers stand for $20,000 per injured person up to a total of $40,000 for all injured persons in one accident for bodily injury liability insurance and property dam... What is the code for a cracked windshield in the state of Alabama? We are not aware of any particular "code" in Alabama regarding a cracked windshield so if you are looking to see if there are specific laws pertaining to a cracked or broken windshield we would advise you to contact the Alabama Department of Public Safety (DPS). Alabama Code... Does GAP cover my vehicle if is a total loss and I only have comprehensive coverage on myprimary insurance? It would depend upon if the total loss of your vehicle was covered by the comprehensive portion of your auto insurance policy whether your gap coverage will work on your car or not. If your car was totaled out due to it being stolen, flood waters, hail damage or another peril... My boss wants me to get an insurance on the company vehicle that I drive he says it is called a 511A or extended coverage. It is in case I am involved in an accident while using the vehicle on personal use after hours of work. He already has insurance on the truck itself but I need one to cover me. Thanks. Extended non-owned coverage, also termed a 511A in Texas , is a type of endorsement that you can be added to an insured's personal auto insurance who uses a car that is not owned by them such as a business or company car. This is a type of endorsement that provides broader... I was told Texas law does not allow for my car to be totaled from hail damage. Is this true? To the best of our knowledge a vehicle can be declared a total loss if the hail damage caused enough damage to a vehicle that the insurer finds it uneconomical to fix it in Texas as in other states. However we contacted both the TX DOT and Texas Department of Insurance to find o... If I was pulled over by a police officer in NJ for speeding, and given only a warning, will I be receiving any letters in the mail about it? To the best of our knowledge you will not receive anything in the mail if you received a warning by a police officer for speeding in New Jersey . State laws and local jurisdictions vary though. You didn't indicate if you had insurance at the time. Some written warnings go in... Home

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