Typically when you get a driver's license in a new state the tickets that appear on the old driver's license do not transfer. Accidents do however stay on the CLUE database and will follow you everywhere. Technically if have tickets in another state and don't disclose them to the new insurance company in the new state you are making a material misrepresentation on the application which has the potential to get a claim denied at some point in time. I personally don't know of that happening but there is always the extreme case.
No, in the state of Mass where i am from, the insurance is covered for your car only. It will not follow you if you choose to drive another vehicle. You may want to check the state your are in if this is different, as they may have a different type of policy you can purchase that will cover you. With my experience, the only insurance you have is your health insurance if you are driving another persons vehicle.
These days with computer links the odds are good that it will follow you. Although it does depend on the technology the city/state where you got the ticket and where you are going to have at their disposal. Most insurance companies will run a motor vehicle report either right when you are quoted or when the application is submitted.
If you have made this new State your primary residence state, your insurance company may require after one year that you register your car and your license in your new state. The auto insurance should follow the registered state, and if you are a permanent resident, then you should register your car and re-write a new auto policy for that state.
In most cases it is not local police that report points on a license to the insurance company. The points assessed on a driver's license are reported to the state by the courts after the court decides punishment. The state then reports points to an insurance company. This could take 2 to 3 weeks, unless the license is immediately revoked, then the state is informed within 1 to 3 days.
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, then it is okay.
Look at your bill. If it shows your address in the state that you currently reside in, then that will tell you what state you are insured in. You can still drive to whatever state you want and still be covered. If you move to another state then you must get a new insurance policy in that state. It is illegal to have insurance in another state and not live in it.
All the 50 States now have Reciprical agreements in regards to information sharing, Thinking that going to another state or another insurer is somehow going to get you off the hook is a dangerous idea. The points reflect your driving hsitory, those points have nothing to do with your insurer or the state your in. You had an at fault accident, therfore you have those points. Misreprentation of your risk factors by failure to reveal your driving history consitutes Insurance fraud by intentional ommission of a known risk factor. Should you obtain insurance with another company and they later find out that you defrauded them, Not only can they cancel your policy retroactively but they can also refuse to pay for any claim or accident even if they did not find out you lied until after the accident. You could find yourself Un-Insurable and your driving priveledges can be revoked permanently when caught.
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