Which state's auto insurance laws apply if a person is insured in the state where they reside but has an accident in another state?
The state where the policy was written.
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Most likely, yes. States have reciprocity laws and procedures which allow them to share pertinent information on drivers in other states. Your carrier might also have other resources to check on this sort of thing. Also, by not reporting a DUI to your carrier, you are essentially misrepresenting you…rself to them. The premium you pay is clearly not based on you having received a DUI, which places you -- rightly so-- in a much higher risk category. You could have possible coverage issues if you have a loss and expect your carrier to pay out on it, not to mention the fact that your carrier could drop you altogether. This would look terrible on your record when you, say, go to get insurance from a different carrier. Your best bet is to simply own up to the DUI with your current carrier. At your renewal, you'll see a huge premium increase or, unfortunately, your carrier will choose to drop you because you're viewed as an unacceptable risk. If the latter occurs, you'll have to shop around for another carrier, but high-risk carriers do exist. They're very, very pricey, but you definitely do not want to risk driving without insurance. (MORE)
If your vehicle loan was made in one state but the vehicle is currently in another state which state's repossession laws apply?
the state the car is in govern the repossession, the lenders choice on which state governs collection efforts. Read your contract.
If an out of state driver with no auto insurance has an accident in NJ is their health insurance or the NJ driver's auto insurance primary?
Someone's health insurance is not going to cover any injuries in an auto accident. That covered by the insurance on the vehicle. Since there wasn't any, it would appear the victim(s) only recourse would be to sue. And hope they can collect any judgment they might be awarded. Health Insurance WILL m…ost definitely cover injuries resulting from an automobile accident. Some motoe vehicle insurance policies even have a "health insurance primary" option. The questions was how to determine which is primary , the health insurance or the insured drivers motor vehicle coverage (MORE)
Traffic Tickets in another State The answer is that "It can." It just depends on whether the insurance company checks only your state of residence or not. Most insurance companies will only check your driving record in your state of licensure but they are perfectly capable of checking your driving… record in any state or nationally if they so choose. All States as of 2005 are Required through New Federal Regulation to comply with and make available to all other states reciprocal driver records. It Is not a matter of a ticket being reported to your state. It is only reported to your state if you fail to take care of it. However, the computer makes your records available to any insurer or state licensing division that cares to check it. The reciprocal requirement extends to all states being able to automatically suspend or deny a drivers license in any other state until such time as the originating jurisdictions suspension or violation requirements have been satisfied. The old days of leaving behind unpaid traffic tickets in another state are gone. Information travels at the speed of light. My advice: Pay the ticket quickly so you don't wind up taking a trip and hiring an attorney trying to get your suspended license reinstated. If a ticket from another state defaults, your drivers license can now be suspended regardless of which state your licensed in. An unsatisfied traffic judgment in one state can prompt an automatic suspension in another. The intent and spirit of the movement toward information integration and sharing of the various states agencies along with more efficient enforcement is ultimately to better serve and protect the public. __________________________________________________________________ Other s of course it will, you got ticket . So you do the crime you do the time. It depends on the laws of your home state and whether your state posts out of state tickets. While most do, there are a few exceptions. NY is one. In general, it always pays to fight an out of state speeding ticket. Never assume that you can just pay the ticket, regardless of what the officer tells you. Check to be sure how it will be posted to your record in your home state and you may also want to check with your insurance agent. In many cases it is cheaper in the long run to hire an attorney to try and get it reduced. ______________________________________________________________ Out of State Traffic Tickets I think this response is overly broad. I was pulled over by a Vermont state trooper who specifically told me the ticket wouldn't be reported to my home-state DMV. I think this question needs much more research. ______________________________________________________________ I got a new york ticket. and then had other violations after that in Pennsylvania. The points in NY Don't transfer into P.A. and I called the DMV and they told me they had no record of out of state tickets. Just my violation in state. But I'm not sure if the insurance companies can see it, That's what I.m Looking Into now myself. Tickets in other States The answer is: It depends on the state you got the ticket in . Some states report tickets to each other's DMV or MVD license bureau and some don't. If your state gets info from one of the states that shares, you will most likely see it on your motor vehicle report or If your old tickets go into a default status. Unfortunately, so will your insurance agency next time they take a look at it. You may want to call your motor vehicle department to ask about it. Potentially, yes. Your records reflect your entire driving history but it is up to the car insurance companies discretion to decide what they will and will not take into consideration when they determine your rates. (MORE)
%DETAILS% All of your driving history is attached to your driver's license number which is in a global insurance reporting source called "C.L.U.E." Wherever you go, it will follow. I don't know about international reporting, that sounds somewhat impossible especially circulating it through Asia o…r the Pacific countries. Generally your established Insurance companies simply run your information through what is called the NCIC.. records containing just about everything there is to know about someone authored by the FBI who also decides just how much and what information is avalible to agencies requesting it, typically on a "need to know only" basis. Anyway, only United States Insurance companies have access to such information and if you give an insurance company a false statement, not only are you breaking the law but they will drop your coverage, you'll get no money back, you'll never be able to apply with them again, and you need insurance right? What will you say to the next company when they ask why your last one got cancelled? What it boils down to is tell the truth because these ins. agents are just testing your integrity by asking questions they can find the answer to with only your name, birthdate, and social security number. If you're afraid of insurance approval, just keep shopping. It's not worth the consequences if a false detail is discovered. (MORE)
If you are in the military and stationed in another state do you have to change your auto insurance to that state?
If you are in the military and stationed in another state, you donot have to change your auto insurance to another state if you planto reside at minimum of 6 months. However, if you plan to changeyour state driver's license and reside more than 6 months, yourauto insurance must be changed.
If your child was hurt in a school bus accident in New York state should you file a claim with your own auto insurance or homeowners insurance?
Answer . Contact the schoolbus company FIRST and get their info. Then contact your own insurer. Your house policy only applies to articles/devices damaged in the accident such as a MP3 player for example.
Can you insure your auto in your state of residence and work in another state and stay in that state?
\n. \n Answer \n. \n. \nYou must insure your car where it is tagged. yes you can live in one state and work in the other. if you live in the state where you work get a po box in the state where the car is tagged.\n. \n It depends \n. \nIf you "stay in that state", it can make you a "res…ident." In many states you must register and insure a vehicle used in that state if you are a "resident", under their interpretation, or if your vehicle is parked or garaged in their state for more than a minimal part of a year (e.g., 30 days in Massachusetts). At the very least, you may be required to demonstrate financial responsibility to continue exercising the driving privilege if you're caught with an invalid out-of-state registration. (MORE)
Financial Responsibility All 50 states require Financial Responsibility whenever your vehicle is operated on Public Roads. Buying Auto Insurance is not the only way to meet your financial obligations. Most states will allow you to post a bond or self insure as another means of metting your Fina…ncial Responsibility Requirements. (MORE)
Answer . \nWell, probably. However the state you are living in may have a law that gives you a limited amount of time the register your car in that state. If at all possible I would get your vehicle registered in the state of your primary residence unless you maintain houses in both states.
What if you just moved from another state your insurance is in that state and you got in an accident that wasn't your fault?
As long as you have your information up to date in that state you shouldn't have any problems
As of June 2010 New Hampshire is the only state that does not require auto insurance unless you have proven yourself to be an "endangerment to others" such as having DUI's or too many at fault accidents, then they require insurance before they will reinstate your license.
Auto Insurance in Florida You are required by law to have it and carry proof of such while driving in Florida. Failure to do so could result in citations, fines and court appearances. The DMV and every police agency who can run your license will have an up-to-date record of whether you carry insura…nce and who you carrier is. You can play the odds of not getting pulled over or involved in an accident, but sooner or later one of the two happen to most people. Also, if you're involved in a crash and found to be at fault, not only will you incur the citations, but the other party can sue you for damages and court costs. Get insurance. Answer Hi, so there isn't an agency that will check on you? Only when you register or get pulled over? I read that once registered, you will have to show proof of insurance, but say you register with DMV and then cancel insurance, will they know? Do you have any links that can let me know the exact laws and how the state checks up on you?Thanx Follow-up Answer Florida insurance agencies are required by law to notify the Florida Department of Motor Vehicles any time an insurance policy on a vehicle is cancelled or terminated. The DMV will attempt to notify the driver in order to have the driver resubmit proof of insurance. It the driver cannot be reached, he/she's driver's license will be suspended automatically. You cannot even register a motor vehicle in the state of Florida without proof of insurance. Motorcycles are exempt from this rule, however. (MORE)
Is it legal to reside in one state and register and insure an auto in another state to get cheaper rates?
Answer . No. That is called insurance fraud and you could face penalties (according to your state).
Does Illinois homeowners insurance cover medical costs for injuries to another person caused by the insured in an accident in the state of Wisconsin?
Answer . \nThe liability section of a Home insurance policy covers you anywhere any time as long as it is not malicious intent.
Answer . No. Your insurance carrier needs to know where you are driving the vehicle most. It is called insurance fraud to live in one state, but have coverage somewhere else. Now if your insurance company is located in another state, but they know where you are and have your address updated, the…n it is okay. (MORE)
Where are health insurance laws applicable when your employer is in one state but you reside in another?
Answer . Generally the prevailing law is the state that the plan originates in. Example: A client of mine covered his domestic partner under his health plan. The company was sold to a competitor out of state. The state where the new company resided did not recosnize domestic partners. Even though… the state he lived and worked in did, his partner lost coverage. (MORE)
currently 11 states and Puerto Rico have "no-fault" insurance. New York, New Jersey, Michigan, Pennsylvania, Florida, Hawaii, kansas, Kentucky, massachussetts, minnesota, North Dakota and Utah.
Insurance Law Laws vary state to state. In most states, you are required to carry insurance that satisfy the minimum financial responsibility requirements for that state. For information on insurance law in general, check your state's department of insurance website. Requirements for auto insurance… in particular are available through the State's Department of Motor Vehicles. (MORE)
Maine is the cheapest state. Auto insurance is around 900 dollars ayear. Other cheap states are New Hampshire, Ohio and NorthCarolina. Idaho and Vermont also have cheap insurance.
Answer . Remember that 'no fault' is a loosely used term, and all 'no fault' sates do not operate under the same 'formulas' (for lack of a better term).. According to the Insurance Information Institue, currently 12 states and Puerto Rico have no-fault auto insurance laws. Florida, Michigan, …New Jersey, New York and Pennsylvania have verbal thresholds . The other seven states - Hawaii, Kansas, Kentucky, Massachusetts, Minnesota, North Dakota and Utah - use a monetary threshold . Three states have a "choice" no-fault law. In New Jersey, Pennsylvania and Kentucky, motorists may reject the lawsuit threshold and retain the right to sue for any auto-related injury. Colorado's law reverted back to the tort liability system in July 2003.. Clear as mud isn't it? If you have a specific question relating to your state I will be happy to 'attempt' to answer. If you would provide details. (MORE)
Ininsured . Interesting question. Since the both of you are uninsured, the person who is at fault should pay for the majority of damages incurred. Keep in mind that they can only pay in good faith, If not, you can file a lawsuit, however if the police were not called, this will make it even harde…r. (MORE)
Speaking generally No. You will normally have to tell your insurance company where you want to drive and purchase extra cover for this. You may however have purchased a policy that does cover foreign driving - In any event it is best to contact your insurance company and tell them what you intend, y…ou will then know exactly where you stand. (MORE)
Your choice, depending on which coverage is better. Try the auto insurance first. but remember, their job is to minimize costs, and sometimes you have to go where they send you. they may have limits depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you… alive and healthy to keep paying them. they don't make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don't pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back pain, really? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and pain just pay your 10$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don't delay or the ins co may try to loophole out of paying you, thinking scam alert. i once tapped a couple in their 50's when i was 16 and only driving for a few months. he slammed on his breaks after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of wet leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was saying he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt. (MORE)
About No-Fault Auto Insurance No State in America Has true No Fault Auto Insurance, Sometimes referred to as Personal Injury Protection. Despite the misleading name, all U.S. States with No-Fault statutes practice it in hybrid form. In simpler words. The at fault Driver is still Financially Liable… for any damages or injuries incurred if that damage is above the law's threshold. By virtue of having an auto Insurance Policy, the insurer assumes responsibility for paying those liabilities up to the specified policy limits and or your states statutory regulations. No Fault simply means that each Insurer pays for the medical losses up to their own insureds policy limits. Those costs are then generally subrogated from The Insurance Company of the driver determined at Fault in the accident or from the individual if uninsured at the time of the accident. NO-Fault applies to injuries, not to property damage. The intent of No Fault statutes is to help alleviate congested courts from law suits and to expedite coverage payments for injured parties. Most states thus far however have rejected the No-Fault concept either partially or entirely because it tends to punish both drivers regardless of fault and leads to higher Auto Insurance rates for the consumer in those states that have passed No-Fault statutes. If damages exceed the limits of the Insureds policy then you can still pursue the at fault party for uncovered losses. No Fault Auto Insurance States - 12 States . New York . Massachusetts . Florida . Hawaii . Kansas . Michigan . Minnesota . North Dakota . Utah . Puerto Rico (US Territory) States in Which No-Fault Auto Insurance is an available option but not mandatory. . Kentucky . New Jersey . Pennsylvania All states have some form of Personal Injury Protection requirement which is often confused with no fault statutes. (MORE)
The answer to your question can vary State by State. The answer can also vary depending on the situation.. I would recommend that you visit: http://www.iii.org/media/companies/state_org/insur_departments/. Contact the local insurance department and ask them specifically.
no. because as long as the parents has insurance they are fine. And this is only if the parent adds them on their insurance.
The insurance will not stand if some one else was driving the car, in Florida.
Every state but Wisconsin and Tennessee, both states have bills that would require insurance in 2009
If you are travelling out of state, your auto insurance will extend to provide coverage in the states you are travelling to. If you are relocating, you will need to purchase insurance in your new state at the time you register your vehicle. Extended coverages between states will provide the same lim…its of liability you carry on your policy unless they do not meet state minimum requirements. If they do not meet state minimum requirements, the policy will automatically raise the limits while you are travelling if you have a claim. (MORE)
You need to be more specific about where the loss occurred. If it happened in a no-fault jurisdiction, your right to sue is typically more limited than in a tort jurisdiction.
If you change your registration to that state, you'll have to change your insurance with it. Keeping your car registered in a state where you do not reside can result in your policy being cancelled, or you getting a ticket for not having your car registered where you reside. (Especially if you get i…nto an accident.) (MORE)
well it depends where u live as auto insurance differs everywhere. But here in Ontario, when a person hits you and drives off or has no insurance, it goes under your Uninsured auto mobile coverage. and it has very limited coverage for Medical bills, and fixing ur vehicle up to 25,000 if it was a per…son with no insurance. if its a hit and run then u have to pay the damages to your car out of pocket. or make a claim under your collision coverage. (MORE)
When you are in an auto accident with no insurance will the other persons insurance pay for their cars damages?
Their insurance policy will pay for their own car. However you must know it's against the law not to have insurance coverage for your auto.
How long does a auto insurance have to file a law suit against you for an accident you did not have auto insurance?
Laws vary by state but I can tell you for the state of California you have up to 3 years from the date of the accident to attempt to collect money from the responsible party (ex: filing suit against someone). Now just so you know, if it was confirmed you were not insured on the date of loss, most ma…jor companies will just send the file to a collections company to go after you for the money. (MORE)
It depends on the company and policy. Some will deny it for "operating out of territory". Others will cover it and then non-renew the policy for "operating out of territory". There is no way to say for sure as it varies so much from company to company.
Does the auto insurance company notify of an accident if a person was driving under another person's name who is paying for the insurance?
If what you are asking is whether the insurer notifies the insured that the person was driving under his/her name when a collision occurs, the issue will probably not arise until a first or a third-party claim is made. At that time, the insurer will investigate, and will need to know the identities …of the parties involved. If the person who was driving was not listed on the application/policy as an authorized user of the car, coverage will probably be denied. This is because a premium was not paid to insure that person. Premium is based upon various risk factors personal to the person/people to be insured, and this person's risk factors would not have been able to be considered by the insurer, and therefore, no premium calculated or paid. (MORE)
More Info* I resided and registered the car in WV. I bought the car in PA. The finance company was out of Ohio. The lien went to a collection agency in CT, and I currently live in Alabama. Which state's laws would apply to my situation?
Yes, you can get direct car insurance form Allstate. I would recommend talking with your local Allstate insurance advisor for more information on rates and coverage.
State farm does not cover your pet if you are in an at fault accident, however, if you are involved in an accident in which it is the other driver's fault, pets fall under property damage and their bills would be paid by the other driver's insurance company. On a side note, Progressive offers $1,000… for pets if you have a collision policy with them. As for State Farm, you'd be best off getting a Pet Insurance policy ( From a different company ) that would cover them for an accident no matter what type it is. (MORE)
Yes. In the state of California, it is required to have accident insurance. In the long run it will save time and money and also give the basic protection in case of an accident.
The minimum requirements are liablilty insurance, and anyone driving the automobile must be covered. You must have proof of financial responsibilty.
I'm not sure I completely understand your question but I hope this helps. Firstly, you have to purchase insurance in the state where you reside. If you move from Georgia to North Carolina for instance your Georgia insurance policy will meet the minimum requirements for NC but when the policy comes u…p for renewal it will be non-renewed and you will have to purchase insurance in NC. Most likely the premium will be increased on the GA policy due to you living in a state where they do not normally do business. Using our example, most insurance companies will sell you a policy in NC if you recently moved there with your GA license for a period of time but expect you to change it over within a reasonable time. (MORE)
Yes, they can represent you in another state. That is one advantage of using a lawyer there rather than locally.
Technically, no. But, yes you can as long as you inform the insurance company of where the vehicle is primarily located, although few insurance companies will write the a policy. If there is a reason your vehicle is to be registered in one state and your residence in another, a simpler means is to e…stablish a company in the non-residence state and register and insure the vehicle in the company's name. (MORE)
All of the 50 states in the U.S. require some type of insurance. Some states only require minimum liability while some states require a certain amount of bodily injury insurance.
If you have an accident wherever you are your rates will probably increase slightly for a while. An at fault accident usually counts as 3 points with most companies which would be like 2 or 3 minor speeding tickets so it would increase your rates for a while.
In the United States of America, all states do not require drivers to have auto insurance, however the drivers are still fully financially obligated to pay for any damages in an event of an accident.
In Florida, auto insurance policies differ greatly from other states. The required insurance includes Property Damage Liability, Personal Protection Insurance and Personal Injury Protection. Things such as Collision and Comprehensive coverage are not mandatory in Florida.
The states of Virginia, New Hampshire, and Mississippi do not require the vehicle owner to carry insurance coverage. In Virginia a fee may be paid to the state for a uninsured vehicle. In New Hampshire, and Mississippi vehicle owners may post cash bonds.