Brad Fallon : I am really suprised over the fact that Teen drivers in New Jersey are supposed to display identying decals on their vehicle license plates. What if the parents are driving the vehicle? Is being held for not having a sticker going to increase the teen auto insurance qoute?

Teen auto insurance or car insurance
Response ; Let us first talk about the implication of this law from the point of auto insurance or car insurance for young drivers or teenagers, the fact that the sticker is not there would not be an issue or reason for increasing auto insurance rates or asking for higher premiums. The fact is that teenagers are classified as high risk is the reason for the higher premiums. The solution for this is compare, compare and compare auto insurance quote to get cheap auto insurance.

Yes, this is a recent judgement where in the Judge upheld a new law that requires drivers younger than 21 to display identifying decals on their vehicle license plates, as on 10th March 2010.

This law of having a sticker to identify a teen driver or young driver was passed on the 1st May, was challenged byGregg Trautmann, a Rockaway lawyer. As per the arguments put up it was stated that this would encourage the police and other persons to pick up on the teens.

The judge stated that the “operating a motor vehicle is not a right, it’s a privilege subject to state regulations.”

This law is named as “Kyleigh’s Law,” in April 2009. It’s named for Kyleigh D’Alessio of Long Valley, a 16-year-old honor student killed in a December 2006 crash

There is a lot of disatisfaction, naturally from the teens and even parents, who feel that this should than apply for all high risk drivers, over 65+, drunk driving drivers, agressive drivers and any person who has a bad driving record.

Thanks.
Kamlesh

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Melanie Benson Strick o I need student auto insurance from my college state or home state? I reside in New York but am attending college in Illionos.

Student car insurance :
Response : As per the vehicle registration, the student car insurance will have to be taken in the state in which your vehicle is registered, which will be New York in your case. Now, if you are the owner of the vehicle, than you can change the registration to your college state- Illnos, if you so desire and take the student car insurance from Illionos.
If you decide not to re-register your vehicle in the state of your college, you will need insurance from you home state. However keep the following points in mind :
1) You will have to inform your auto insurance company that you would be using the vehicle in another state and they would charge accordingly, if they want.
2) You should also opt for limits of liability which are applicable to your college state since, this would be the requirement when the vehicle is used in that particular state.

You should consider these factors in determining your auto insurance needs while you are in college:
Required Coverage

If you are attending school in another state, check with your insurance company or agent to make sure you have enough coverage to comply with any minimum insurance requirements in that state. If you get caught driving without auto insurance , you face a fine and suspension of your license plates. Illinois law requires all motor vehicle owners to have the following coverage:

Liability insurance – Pays for bodily injury to another person or property damage you cause due to the negligent operation of a vehicle. Required amounts are; $20,000 per person, $40,000 per occurrence, and $15,000 for property damage. If affordable, higher liability limits of at least 100/300/100 are better.

Uninsured motorist bodily injury (UM) – Pays for your bodily injury caused by a hit-and-run driver or an at-fault driver who has no liability insurance. Required amounts are $20,000 per person and $40,000 per accident. If affordable, higher limits are available.

Note: If you purchase larger amounts of UM coverage, underinsured motorist bodily injury coverage (UIM) is also required.
Other Coverage

Medical payments – Covers medical and funeral expenses for you or your passengers if injured or killed in an accident in your vehicle. It also covers you and your family members if struck by a vehicle while walking or riding in another vehicle. This coverage pays even if you cause the accident.

Physical damage – Pays for damage to your auto. You may have to pay for part of the loss, called a deductible. Illinois law doesn’t require physical damage coverage, but your lender may. Depending on the value of your car, you may decide the cost of physical damage coverage is not worth the additional premium.

Vehicle Ownership

If your parents own the vehicle – If your parent or guardian’s name is on the title of the vehicle, you can be listed under their auto insurance policy as an additional driver, but their premium will be higher.

For the best college student auto insurance rates you need to shop around for auto insurance quotes. You can try a quote at teenautoinsquote.com.

Good Luck.
Thanks.
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.