AUTO INSURANCE/COLLISION QUESTION!! Please help!!?

I let my policy lapse. It was cancelled on June 27th. Earlier this evening, I got into a collision, but it WASN’T my fault. The policeman wrote the at-fault ticket for the other driver involved. (She was in a median, halfway in my lane of traffic, so she got the ticket).

Answer from a General Insurance Agent

Yes, You can still file a claim with the at fault parties insurance company.

Not being insured yourself does not effect the liability of the at fault party.

You may however receive a ticket and have your drivers license suspended for driving without Insurance. If so you will have to have your insurance company file an SR22 or an SR21 for a 2 or 3 year period to have your license reinstated.

Fines for “No Insurance Tickets” along with Drivers License reinstatement fees in my state total approximately 900 dollars before the increased cost of auto insurance.

Auto Insurance with an SR21 or SR22 endorsement will cost you more money than it did without one.

Any lapse in coverage during your 2 to 3 year filing period will result in automatic and immediate suspension of your drivers license again.

You can hire a lawyer if you want, but the outcome will be the same except you will also have legal fees to pay and the lawyer will drag it out for months or even years so as to bill you even more. At some point the attorney will even tell you it’s time to go get your SR21 or SR22, Which of course you now already know you will need.

I’ve personally written over 20 thousand auto policies in my time and have seen this exact scenario hundreds of times.

Good Luck

No matter what exactly are we planning to buy, all of us have a tendency to discover the cheapest possible solution for our requirements. So, the very same applies to purchase Automobile Insurance.

Does a car dealer have to disclose that a vehicle has been in any auto accidents? Florida?

Carmax sold me a 1997 Ford Explorer and they claim that they do a 125 point inspection of all their vehicles before they buy them to sell on their lots. This inspection is supposedly to determine if the vehicle has been in an accident and to see if there is any frame damage. Fortunately i have not had any problems with the frame but the electrical system is fried. When i changed insurance a few months back my agent had told me my vehicle has been in two accidents and told me the pay outs from the insurance companies were over $200,000.00 each time. You would think a car dealership would know these things and would be obligated to tell the consumer. Then again i was the naive one.

NO GO TO CARFAX.COM

Tripp Lite INTERNET350U Internet Office 350VA Compact UPS (6 Outlets) $40.04 350VA 180W – 3 Minute(s) Full-load – 4 x NEMA 5-15R – Backup/Surge-protected…

Tripp Lite INTERNET750U Internet Office 750VA Compact UPS (12 Outlets) $64.92 750VA 450W – 5 Minute(s) Full-load – 6 x NEMA 5-15R – Backup/Surge-protected, 6 x NEMA 5-15R – Surge-protected…

How do I prove auto insurance to MN DMV?

My license is revoked and I need to prove to the state of Minnesota that I am insurable. I do not have a vehicle to insure right now, and don’t understand why it would be necessary to get insurance for any period of time since I don’t have a vehicle, but it is mandated by the state that I prove I have insurance. All the insurance companies I have talked to say that I need to have insurance for a year or the state will take my license again. Is there a way around this or is there an easier way to prove I am insurable without having to pay $1200 for a year of insurance when I don’t even have a car?

Not really. Here in California it’s known as an “SR-22- Certificate of Financial Responsibility”. You have to show that you are financially responsible enough to drive an automobile. Part of that responsiblity includes Auto Insurance, even if you don’t own a vehicle. If you are finding coverage for $1200 a year, then you are lucky if you consider it breaks down to $100 a month… I don’t know why your license is revoked, but if you had a DUI in California and needed the FR certificate, you’d be looking at at least $150/month, and its for a three year period.

Monster MP HTS 1600 8-Outlet Power Center with Stage 2 Clean Power $138.99 MODEL NO. MP HTS 1600 8 COLOR-CODED OUTLETS DIGITAL METER DISPLAYS VOLTAGE PROVIDES AC POWER PROTECTION FOR HOME THEATER COMPONENTS & SURGE PROTECTED COAX PHONE & NETWORK CONNECTIONS PROTECTS CABLE SATELLITE TIVO(R) PHONE & NETWORK MONSTER(R) CLEAN POWER(TM) STAGE 2 V2.1 CIRCUITRY FILTER DRAMATICALLY REDUCES ELECTRONIC NOISE TRI-MODE(TM) POWER PROTECTION WITH AUDIBLE ALARM & AUTO DISCONNECT 3618 J…

Monster HTS 950 8 Outlet PowerCenter with Clean Power Stage 1 $149.95 Monster Cable Cable PowerCenter MP HTS950 8-Outlets Surge Suppressor MP HTS950 Surge Suppressors…

Monster HTS 3600 MKII 10-Outlet Power Center with Stage 3 Clean Power $499.95 Monster Cable Cable Home Theater Reference HTS 3600 MKII PowerCenter MP HTS 3600 MKII Line Conditioners…

Insurance for Dummies $21.99 Now updated — your guide to getting the best insurance policyAre you intimidated by insurance? Have no fear — this easy-to-understand guide explains everything you need to know, from getting the most coverage at the best price to dealing with adjusters, filing claims, and more. Whether you’re looking for personal or business insurance, you’ll see how to avoid common pitfalls, lower your costs, a…

Ten Questions – The Insider’s Guide to Saving Money on Auto Insurance – Hidden Discounts Revealed $9.99 How much do you pay for your auto insurance? If you are reading this, the answer is most likely “too much!” You are looking for information that will help you save your hard-earned dollars, and you have found it. Ten Questions is not a book for “dummies,” but it is an easy to use, half-hour read, specifically designed to help save you money. It is absolutely guaranteed to do just that. If you do …

More Than A Housewife (1) $9.99 Vicki Gunvalson, of The Real Housewives of Orange County fame, shares through her book, More Than a Housewife, the reality of dealing with “reality.” Starting with her childhood and progressing through her business life, she shares her personal insights to recognizing purpose and direction and the actions she took to create a profitable business and a very comfortable lifestyle. Included in Vicki’…

why aren’t more people realizing Obama’s stupid comments in his healthcare speech?

he made a lot of illogical analogies and contradictions

Though I won’t get into the political discussion with you, I can answer your basic question…

People are blinded by charisma, and if there’s one thing Obama has, it’s charisma. While I didn’t watch the speech, i heard that it was done very well (At least according to how he held himself). Charisma alone can get you to high places. People wonder how Hitler got into such high power, it was because of his charisma.

That said, people are also willing to believe ridiculous things, and are very easily swayed by the promise of good things. People don’t want to hear about how bad something may be (So long as it’s affecting them), so if they hear good things, no matter if they’re lies or not, people will “Oooooo” and “Ahhhhh”, and want to believe it.

…So they do.

Property and Casualty Insurance License Exam Cram $28.25 If you are preparing for a career in property and casualty insurance, you need to pick up a copy of Property and Casualty Insurance License Exam Cram. You will quickly learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You’ll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law su…

Can someone help me with auto insurance claim ?

I was injured in an auto accident (was hit in the rearend). The other driver was at fault. My doctor bills are around $35000.00. The person that is at fault has $25000.00 liability insurance. The accident happened in Virginia. What are my options?

Hi,

If you are looking for the best auto insurance, check out this site

http://best-auto-insurance-usa.info/

Here you can compare auto insurance quotes from all companies in your area. It’s free and fast.

Hope this help,

Julie’s Gift: Memories of London $12.60 Kevin and Julie travel to London. Kevin loathes sightseeing. Julie is the quintessential tourist. Kevin ends up enjoying the trip but doesn’t tell Julie. He secretly writes a book about his fond memories to surprise her and express his love….