Why Should You Get Your Vehicle Insured?
Posted by admin | Posted in Vehicle Insurance | Posted on 25-02-2009
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Even if you are an over-cautious driver and live by the driver’s manual, you still need auto insurance cover. Not having auto insurance amounts to a dangerous, irresponsible and sometimes an illegal practice. Some states have made it compulsory for every one to have their vehicles insured and driving without one can set you back by hundreds of dollars, confiscation of your license, car impounding, a damaged driving record and even prison. Moreover, if you’re caught over-speeding or jumping traffic signals in an un-insured vehicle, the consequences can be even worse.
Regardless of you being the most sober person driving on the road and your unquestionable driving skills, there is no dearth of people in our country who drive in a distracted, over-tired, intoxicated and sometimes in a freaky manner. There is a good possibility that you might run into a few of them every day and on some unfortunate occasion become a victim of their irresponsible behavior. When that happens, the authorities are going to question you too and being without auto insurance will not at all help your cause at that time.
Since we are all the mercy of a great multitude of irresponsible drivers, it is only wise to obtain auto insurance as early as possible. Thousands of accidents happen everyday on US streets and when your time comes, you wouldn’t want to be left with hefty fines and repair bills.
Getting your automobile insured is a very easy process nowadays. You can log onto various websites online to figure out the best insurance policy for your vehicle. There are several websites that can offer you multiple quotes from various companies to help you do a comprehensive comparative analysis prior to making any decision. Internet has made the whole process so easy that you can get your vehicle insured in as less as one hour time.
If getting your automobile insured is sounding like an expensive affair to you, heave a sigh of relief; you have the option of adjusting your insurance cover and thereby decrease your monthly premiums considerably. You can also opt for a liability-only auto insurance that covers up only the damages caused to by your mistake to someone else’s vehicle.
Your own vehicle will not be covered in such type of insurance policy. This can be the best policy for you if you drive an old low-cost car that probably has nothing to loose.
You can also cut down on your auto insurance costs by increasing your deductible (the amount that needs to be paid at the time of meeting with an accident). By increasing your deductible, your monthly premiums will get reduced considerably well. If you swear by your driving abilities and count yourself amongst the safest drivers in town, this might be the tailor-made option for you.
In conclusion, the final decision of getting an automobile insurance rests with you. The government has made ample laws to ensure that every individual gets his/her vehicle insured. But if you still think that you have the stomach to put up with the consequences of unfortunate and unintended accidents, you better re-think. An uninsured vehicle can sometimes set you back by thousands of dollars.
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Help answer the question about vehicle insurance
Motor vehicle insurance for teenager with permit?My son is signed up to take driver's education next year. He will receive his permit after taking the course. However, he has no desire to drive and does not want to get his driver's license after he takes the course (whether he will still think this way after taking the course is yet to be seen).
My question is do I still have to carry motor vehicle insurance on him if he just has a permit and not a license?
We are in Illinois.
Thank You
Here in the U.S., only liability insurance is required by law. That means if an accident is your fault, your policy will pay for the damage to the other person. The state doesn't care if you have insurance to cover the damage you cause to your own car, that's considered your own personal choice. The main reason for this system is because there are far too many people who wouldn't be able to pay out of their own pockets if they seriously damage somebody else's car. If there was no compulsory liability insurance, some idiot who has no money could run into you, wreck your car and send you to the hospital, and you wouldn't be able to successfully sue him.
Well, by law in Nevada, you have 30 days from the date you moved here to get your Nevada license. As for the vehicle, it has to have Nevada insurance and registration on it. The good thing is that if you get pulled over you can play dumb and say you just moved here and didn't know any better and 99.9% of the time they will let you off with a warning. But then you are on their radar and will have to go and get those things done within 30 days. When we moved here from NY I had one month left of my NY insurance and I was going to just renew it and found out that I couldn't. You could probably get away with the registration and insurance if you maintained a story that 'you just brought the car out here'… licenses are not linked necessarily to the car and insurance. But again, once on the radar you will have to switch it.
Have you checked to see what it would cost you here? It might be the same or cheaper for you, then you don't have to sweat it.
I am not clear if there were 2 polices and 2 cars you are talking about?
As a rule, insurance follows the auto. So if in an accident and at fault, the auto owners insurance pays.
The agent is correct that since you are living with your father, you should be on his policy as a driver, since you will have access to his vehicle to drive. If you drive his car and in an accident, they will most likely deny a claim for not being on the policy. They can go after both you and your father for damages.
In a lot of companies, when you fill out an application, they ask for all people who live at the residence. Even if there are minors age 14 or 15, they will list, since when that child reaches age 16, they may get a license and most likely driving the parents car and could get into an accident. They also ask for all licensed drivers, since that is how they RATE YOU and determine the amount of premium they will charge.
Either renew your policy or have yourself added to your dads policy. Figure a way to pay him back either weekly or monthly for the difference of premium.
One other thing, when a policy lapses, (did not renew), they charge more.
good luck
If you go to the company you will be insured that day. They will give you a temporary insurance card then send you the permanent card in the mail.
Generally, no. Even if a state requires proof of insurance before issuing licenses, etc., the information seems to not be available to the general public.
Cars are insured, not drivers. Unless you have been excluded from the policy, you should be covered
A revoked registration is no longer valid. Yes she can get a ticket for it. It just like not having a registration at all.
She needs to contact the DMV and find out why it is revoked because some offense thay can revoke your drivers license also. And then correct the problems……………md