Kevin : I am a student and I have a car in Pennsylvania and you have license from Texas which state do you get insurance in? Can I buy insurance from the state where ist is cheaper?

Response : Kevin a license is a validly or a permit which ensures that you have the authority or right to drive a vehicle once you have passed the qualifying exams. License is recognized and valid inter-state and also North America.

If you are living in Pennsylvania since you are studying there and driving your car in Pennsylvania you will have to buy the insurance from Pennsylvania. Your insurance should have the minimum limits of insurance that are valid for the state of Pennsylvania 15/30/5. The Department of Motor Vehicles requires that you buy your auto insurance from the insurance company which is licensed in the state where your vehicle is registered, driven and garaged. The insurance company would also insist on the above rule.

Yes, it may be possible to buy, register and insure a car in one state while holding a driver’s license in a different state. There would need to be a good reason to be doing so such as you are going to school / college in one state where you want to buy, register and insure a car but want to keep your license from your home state which you plan to return.

Kamlesh

Chris (Okalahoma) : Do you have to add your child to your car insurance if they drive only occasionally?

Response: The Law requires that all drivers operating a motor vehicle on public roads carry proof of financial responsibility. There is no exception for those who drive only occasionally. If you occasionally drive on public roads then you need liability insurance on those occasions. This would mean that as an adult you would be responsible for the liability caused by your child since the child is minor.

Secondly all licensed household members should be listed. Especially , young teens are more likely to be involved in an accident because of inexperience. . Even if it’s an “old car” and you can easily replace it liability for injury to another person or property is what really can be costly. Since this 17 year old is still a minor if he/she hurts someone YOU ARE RESPONSIBLE! And that can run you into the thousands of dollars and your insurance company won’t pay a dime if the dhal was not listed on your policy. Even for the slightly older child, say 18 to 20 something, whom some have argued doesn’t have much to lose. How about a court that orders his/her wages to be garnished for the next decade to pay for damages?
Last but not least, if you have failed to include all the members on the policy who are driving, the insurance company can refuse your claim on grounds of misrepresentation and even cancel your policy.

Raymond (California) : Can I get auto insurance with just a learners permit?

Response: You can get auto insurance with just a learner’s permit. You should always remember that it is safer to drive an auto at any time with insurance than without insurance.

Most standard insurance companies do not even charge for this addition until you have your regular license in that situation. You can add your name under your parent’s insurance policy. No additional coverage’s are required in California. In fact, I’ve heard of parents insisting their insurance add their son/daughter to the policy! What most parents fail to recognize is that insurance covers CARS, not people! In the event of a collision, the insurance on the car will pay for damages to your car and, if at fault, coverage to other cars involved. NO ADDITIONAL insurance is necessary during the learning process.
Once licensed, all drivers must be on the policy.

If you are under age 18, you cannot buy insurance on your own because it is a contract. No one under that age can, because it would not be legally binding.

Rocky : What should I do if I am having trouble settling my claim?

Reponse: If you are not satisfied with how your claim is being handled, there are steps you can take.
1. Let your agent or company representative know that you are unhappy. If the agent is not able to solve your problem, get the name and phone number of the head of the insurer’s claims department. Your insurance company may also have a consumer complaint department that can help.
2.Submit all required documents and support your claim.
Send documents and a letter explaining why you are not satisfied and make sure you have the figures to back up your argument. Be certain to include your address, claim number, day and evening phone numbers and any other important identifying information.
3. Review your auto insurance policy.
Most companies offer either arbitration or appraisal services to help settle differences and disputes. Your insurance policy will explain these options.
4. Contact your state insurance department.
Explain the reasons for the disagreement to a consumer services representative at the department.
5. Contact an arbitrator to hear your case.
An independent arbitrator with experience in insurance matters can decide if the settlement you were offered is fair. Your insurance company may suggest an arbitrator or you can get your own from the American Arbitration Association at 212-484-4000 ( or http://www.adr.org ).
6. Consult an attorney.
As a last resort, consult an attorney who specializes in auto insurance. Each state’s bar association offers a free legal referral service, which will give you names of qualified candidates.

After your claim has been settled, take time to re-evaluate your auto insurance coverage to make sure you have adequate protection to cover you against any future damage or liability claims. Commapre teen auto insurance quotes online.

Lisa: Tampa (Florida ) : My roommate had borrowed my car with my permission and she meet with an accident? What will happen will my car insurance premium increase? I do have full coverage on my car.

Response : Lisa, please do not panic. It is good that you have full coverage on your vehicle. Your auto insurance policy insures your vehicle, plus you, your relatives and anyone else you give permission to use your car.
If both of you have auto insurance, your insurance company will cover all but your deductible.
On the other hand, if your friend or family member causes an accident resulting in serious bodily injury and property damage, that friend’s or family member’s policy will cover the bodily injury liability, and your policy will cover the property damage caused by your car. As the car’s owner, your liability insurance also covers the cost of your legal fees in the event you are sued. However, if your liability limits are exceeded, the courts can appropriate funds from your home or other personal assets in order to recover the cost of damages. Liability coverage will not pay for damages beyond the limit for which you are insured.

If you lend your car to someone who does not have insurance, however, you are inviting trouble. If the damage your friend causes exceeds your insurance policy limits, the injured party can sue you for medical and property damage expenses.

Your car insurance premium will increase and you so please review car insurance.
All the best.
Teenautoins