Driving without Auto Insurance Oregon OR

Reader’s Question:

I know someone who has an Oregon license and is driving but without car insurance. If that person is caught driving without auto insurance what would happen to him? Will he be asked to pay some fines? Is his license going to be suspended too?

Edith

Northwest Clackamas, OR

In the state of Oregon, if anyone is caught driving without auto insurance or is stopped by a law enforcement officer and failed to provide proof of auto insurance, then it is considered a Class B traffic violation. As you see Edith, Oregon has a mandatory auto insurance law. This means that all motorists are required to purchase car insurance and have their vehicles insured.

You are correct when you said your friend will be asked to pay some fines. This fine is at $ 300 minimum. In addition, his or her license will also be suspended and sometimes the car your friend is operating may also be impounded.

What’ even worse is if your friend got involved in an accident and he or she is found to be at fault. His/her driving privileges will be suspended for one year and he/she will be required to carry and maintain SR-22 certificate which is usually for a period of three years.

For more information about driving without car insurance violation, don’t forget to ask your car insurance agent in Oregon.

Tags: auto insurance, car insurance law, car insurance online, car insurance tips

 

 

 

 

Auto Insurance Liability Limits South Dakota SD

Reader’s Question:

I am about to buy auto insurance and cam across these terms – 10/20/10 and 25/50/25. I am quite confused with those numbers. My friend told me that those numbers are liability limits. When you say liability limits, what exactly does it mean? I hope someone can help me with this. Thank you so much in advance. I am from South Dakota if that would help.

Rene

Rapid City, SD

Those numbers are what you call the liability limits. The first set of number refers to the maximum coverage for one person in an accident. On the other hand, the second set of number covers the bodily injury per accident. Lastly, the third set is for coverage for property damage for an accident. All those numbers are in thousand denominations.

So let’s take for example the 25/50/25 limits. Your home state South Dakota follows that pattern when referring to the state minimum required limits for car insurance. Hence, that would mean:

• $ 25,000 per person for bodily injury
• $ 50,000 per accident for bodily injury
• $ 25,000 per accident for property damage

So, if you have those liability limits in your car insurance that means you were able to meet the required minimum limits for car insurance in the state of Virginia. If you additional questions about liability limits, don’t forget to ask your car insurance agent.

Tags: auto insurance, auto insurance coverage, car insurance online, car insurance tips

 

 

 

 

Higher Car Insurance Rates Alabama AL

Reader’s Question:

I have a lot of bills to pay here in Alabama, and I’m wondering why car insurance rates have to increase.

Jodie

Huntsville, AL

Car insurance companies, including those in Alabama, have varying reasons for why car insurance rates go higher. Although some factors that affect your insurance rates are controllable by you, like for example, your driving record, Alabama’s insurance laws, as well as your insurer’s rating system also have an impact on your premium rates.

Getting tickets for speeding or other traffic violations or getting into an accident will most likely increase your insurance rates. You also need to know that adding multiple drivers in your car insurance policy can definitely make your rates go up, especially if that driver is your teenage son or daughter, or if he or she is a first-time driver. Another factor that can make your rates go up is by adding multiple cars to your policy. Remember that newer and flashier cars cost more to insure than older and bigger cars.

However, there are certain factors that are somewhat out of your reach. The cost of car repairs goes up each year, as well as the cost of medical bills. Car insurance companies will want to keep up with this constant price increase to accommodate claims, thus increasing your insurance rates.

So, if you want to save up on your insurance policy, I suggest that you keep a clean driving record. Also, try to take advantage of different insurance discounts that are offered by most car insurance companies.

Tags: Car Insurance Company, Car insurance discounts, car insurance rate

Medical Payment Coverage North Carolina NC

Reader’s Question:

My friend convinced me to make changes on my existing auto insurance coverages. Right now, I have the minimum state required limits. I am interested in purchasing medical payment coverage. I know it’s an optional auto insurance coverage in North Carolina. can you give some information about that auto insurance coverage?

Dennis

Durham, NC

I’d be glad to help you Dennis!

I have medical payment coverage also and I believe that it provides me the security I’m looking for.

Let me first define what medical payment coverage is. According to the North Carolina Insurance Department, this type of coverage pays for medical and funeral expenses. As to who are covered, this provides coverage to:

1. You (the policyholder) or any member of your family who is using your insured vehicle or while walking has been hit by a vehicle; and

2. Other person/s that may be using your insured car or any other vehicles (aside from your insured vehicle) that are being operated by you or your family member.

You must remember though that if you or any other member of your family were involved in an accident involving a vehicle with less than four wheels, medical payment coverage will not provide coverage for that.

Moreover, as to the limits for this auto insurance coverage, that depends with your car insurance policy. I would suggest checking with your car insurance agent for more information. Don’t forget to check the websites if you feel like shopping foe medical payment coverage now to get different car insurance quotes in North Carolina.

Tags: auto insurance, auto insurance coverage, car insurance online, car insurance tips

Lower Auto Insurance Premiums Kentucky KY

Reader’s Question: