Los Angeles California Auto Insurance Question
Filed under: Los Angeles car insurance, SR22 insurance quotes
Reader’s Question:
I have a daily passenger that rides with me to and from work. Do I have to add him to my car insurance policy in Los Angeles CA?
Mickey
Los Angeles, CA
Normally, if your friend is only riding as a passenger and not driving your vehicle they do not need to be added to your insurance policy as a driver. If you take turns driving the vehicle to work then you should contact your car insurance company to see if they cover the passenger and part time driver under your current insurance policy or if you would need to add him to it.
If you are worried about medical coverage, your insurance would generally cover your passenger up to your limits. In most states, your passenger’s medical expenses would be covered by bodily injury liability, uninsured motorist coverage or personal injury protection (pip) coverage, depending on what type of accident may occur and who was at fault at the time of incident. But again, you may still have to check with your car insurance company to make sure on your limits and coverages that will cover your daily passenger properly in LA California.
Tags: auto insurance premium, automobile, car insurance rate
Auto Insurance Premium Los Angeles CA
Reader’s Question:
I just moved to Los Angeles, CA and I heard from a friend that CA has a new auto insurance pricing system based on driving record, unlike what it used to be which was based on zip code? What does it mean?
Kate
Los Angeles, CA
In CA, auto insurance companies must now set customers’ premiums primarily on driving record and the number of miles driven annually and significantly limit the impact of ZIP Code on rates. For years, drivers in certain neighborhoods paid dramatically more than people living just across the ZIP Code line, because of insurers’ reliance on geography in premium setting.
Auto insurers are required to submit plans that would base policyholders’ premiums based on a driver’s record, the annual miles they drive and the number of years they have been licensed must each have a greater impact on insurance premiums than ZIP Code or such other factors as marital status, which has historically had a major impact on premiums. Therefore, there will still be geographic variation in premiums, but not nearly of the scale described in the examples above. Also, drivers who have historically been overcharged solely because of their address will see the most significant relief.
Tags: auto insurance premium, automobile
Car Insurance Berkeley California CA
Filed under: Los Angeles car insurance, SR22 insurance quotes
Reader’s Question:
Does making a claim mean higher insurance rates in California? How much am I looking at?
Larry
Berkeley, CA
Many factors are involved after your insurance company has decided to raise your premiums. It doesn’t follow any hard and fast rules so you might find yourself getting double- or triple-whammied by your individual circumstances.
Your savings might help offset any increase due to an accident if you turn 40 and enter a lower-risk category, or if you buy a car that’s less expensive to insure.
After your first at-fault accident, many auto insurance companies follow the Insurance Services Office’s (ISO) standard of increasing a premium by 20 to 40 percent of the insurer’s base rate (not your current rate). Base rate is defined as the average amount of claims paid plus the insurance company’s claims-processing fee. According to the ISO, the surcharge is 20 percent of the base rate for multicar policies, and for 40 percent for single-car policies.
What can you do regarding this situation? Some insurance companies have “accident forgiveness” guidelines, but the qualifying variables can vary. You should consult your Berkeley,CA insurance agent when you buy or renew your auto insurance policy or if there is accident forgiveness available in your policy and how to qualify.
Tags: auto insurance, autos, car insurance quotes, car insurance rate
Car Insurance Los Angeles California CA
Filed under: Los Angeles car insurance, SR22 insurance quotes
Reader’s Question:
Is it illegal for me to give a different registration address on my car insurance? The reason why I’m thinking of doing this is that if I use my parents’ address, the car insurance rate is reduced to almost half. I currently live in Los Angeles, CA.
Sandy
Los Angeles, CA
Yes. It is illegal and a form of insurance fraud to give false information on your insurance application. The California Department of Insurance defines specifically states that fraud occurs when someone knowingly lies to obtain some benefit or advantage to which they are not otherwise entitled or someone knowingly denies some benefit that is due and to which someone is entitled.
Both you and your parents will be in trouble if you try to obtain auto insurance from your parent’s address instead of your own address where the car is actually garaged which as was previously mentioned, a form of insurance fraud or misrepresentation. If you did obtain insurance using your parents’ address and this false information was later discovered, your car insurance could be cancelled and if an accident occurred it may not be covered.
It is best to be honest with your insurance company and use your correct address instead of committing fraud. It’s not worth the risk even if it means lower rates. There are other options available for you to cut costs for your auto insurance. You can speak with your Los Angeles, CA car insurance agent about discounts or if there are driver programs in which to participate so that you can reduce your premiums.
Tags: auto insurance, automobile, car insurance rate
California CA New Driver Car Insurance
Reader’s Question:
I have a work insurance for driving a tractor-trailer in California, why do insurance carriers want to place me down as a new driver?
Larry
Los Angeles, CA
California insurance providers vary on their definition of what a new driver is. Even though you have car insurance at work to drive a truck some carriers might not consider this as previous auto insurance since it was not on a personal car. If you only had a commercial driver’s license and not a passenger auto driver license’s until now many insurers would consider you as a new driver since you do not have a driving record with passenger cars.
To know more on the reason specific insurance providers term you as a new driver you will need to ask the insurer how long you will be designated as a new driver on your auto insurance policy.
Tags: auto insurance, car insurance rate, New Driver Insurance
Driving Without Car Insurance Los Angeles CA
Filed under: Los Angeles car insurance, SR22 insurance quotes
Reader’s Question:
I received a ticket for driving without insurance in Los Angeles CA and I am wondering how much the ticket will be.
Pam
Los Angeles, CA
Well Pam, if you fail to show proof of financial responsibility, meaning car insurance coverage, thats a serious offense. Violating this California code could result in fines up to $500 and other penalties, suspension of the driver’s license and impoundment of the car. If your car is impounded the you will have to pay for all tow charges and storage as well. Whew!
I have a cousin who got caught driving without insurance in Los Angeles and I think he paid around a hundred dollars for that. I believe that was his first conviction.
The court in the jurisdiction you received the ticket for driving without insurance will determine the exact amount of the fine that will be charge to you. When the court has decided the amount of fine, normally you can pay in person at the court or by mail. Check the ticket, court Web site or courtesy notice, to see whether you can also pay online or over the phone. This California court site may permit you to find out your fine amount if you were cited driving uninsured.
Tags: auto insurance, sr22 car insurance
Cheap Car Insurance LA California
Filed under: Los Angeles car insurance, SR22 insurance quotes
Reader’s Question:
I’ve been living here in Los Angeles, California almost all my life and it seems that everything is getting more expensive. Are there any ways that I can be able to get affordable car insurance?
Kim
Los Angeles, CA
I understand that you are trying to cut cost to keep up with all of your expenses, especially that you live in Los Angeles, California. Well, here’s the thing, cutting your car insurance cost maybe easier than you think. If you have your car insurance for over two years or you are currently uninsured, your best bet is to go online and shop around. There are some tips that I think would help you shave off a few extra dollars.
- First is that when you search online you have a few things on your side but the main one being is time. It would take a very short amount of time to get a quote and you can do this over and over. So you have to exploit this advantage and get as many quotes as possible.
- Next is when you have received all your quotes, you need to compare the policies to see which one benefits you best. While comparing, of course, you look at the price, but also compare the terms of the policy and what is covered. One insurance company may give you a good deal but their coverage maybe lacking. You are trying to search for the most bang for your hard earned buck, but you don’t want to be to under insured.
- Lastly, you have to make sure to include things that you think you should get a discount for. Some these things would be a clean driving record, car safety feature, type of car, and ask if there is a discount for multiple cars.
Searching for cheap car insurance online is pretty simple and very easy as each application only takes 10 to 15 minutes. Good luck on finding the right policy.
Los Angeles California DWI attorney
Reader’s Question:
Why do I need to contact an attorney after being arrested for DWI? Would it really make a big difference in my case? I live in Los Angeles CA.
Sally
Los Angeles, CA
Thanks for your question Sally. Asking for legal help is the wisest thing to do when arrested for drunk-driving situations. The penalties involved in a DWI conviction can be harsh and can impact your life in a negative way. Though hiring an attorney can indeed be expensive, just think about how winning your case can possibly save you a fortune. You can view it like an investment in your future. If you opt not to hire an attorney for your DWI case, you may be convicted of a criminal offense and sentenced to jail time, required to pay fines, be on probation, and undergo other penalties. As compared to hiring a DWI attorney, you’ll have an experienced legal professional working with you to help you win your case. The best way to handle your defense is getting legal and professional help from an attorney even if a successful outcome can’t always be guaranteed.
It does make a big difference if you trust your case to a Los Angeles DWI attorney because working with a qualified attorney can well determine how your case goes from beginning to end. It is important to choose a specialized attorney in DWI because if you entrust your case to a public defender or other attorney who does not specialize in DWI, chances are you’ll be working with someone who doesn’t spend time in keeping up-to-date information on all the developments in the DWI field. So, if you really want to have a bigger chance of winning your case, you should hire a Los Angeles DWI attorney who specializes in this type of law. These lawyers can watch out for landmark cases that could help the course of your case and offer you a higher possibility of winning.
California CA DWI Cost
Reader’s Question:
I live in California, and was required to attend a traffic school because I was arrested for DWI. How much does it usually cost to take a traffic school course online?
Miles
Alhambra, CA
That’s a good question, Miles. In California, a DWI arrest will result in the requirement that the offender take an alcohol education program or a traffic school course. The online traffic school course has essentially replaced the walk-in course, for reasons of practicality, convenience and cost. Standard classroom traffic school courses may charge similar rates but don’t offer the same comfort of an online traffic school course that fits any busy schedule.
The courts will usually demand a traffic school administrative fee, separate from the traffic ticket bail, to be allowed to take any California online traffic school course. This fee does not cover your online traffic school course in any way. These online traffic schools are a privately-operated industry and you will be required to pay a traffic school course fee whether you attend it in a classroom setting or select any California online traffic school course.
In finding the best online traffic school for California drivers, there are factors to be considered. Most especially is the approval status by the California Department of Motor Vehicles (DMV), or your court, or your insurance company. Once you know the approved traffic school, it will just be easy to find online courses on the Internet.
The cost of taking offline traffic school differs by location: various courts may assign different fees, and the schools themselves are permitted to assign minimal fees of their own. Most online traffic courses cost somewhere between $10 and $20. Plus, California regulations state that traffic school must consist of at least 400 minutes of instruction, so you’re saving more by staying at home with your computer and Internet access available.
California CA DWI Auto Insurance
Reader’s Question:
I understand that traffic school is taken by those who receive a traffic violation including DWI in California. Just wondering, is it beneficial to take a traffic school course online?
Rose
Los Angeles, CA
Thanks for asking, Rose. If you are convicted of driving while intoxicated (DWI) in California, you’ll face big fines, hefty reinstatement fees, suspended driving privileges, and a variety of treatment and training programs, including traffic school.
Basically every state offers defensive driving class or an online traffic school. The best thing about online traffic school is that you can receive your certificate of completion through your mailbox. In most cases, the online traffic school course will mail the “certificate of completion” directly to the Court. It is a perfect option for anyone with a busy schedule. This is designed to be as non-invasive to your everyday routine, and offers great convenience and flexibility.
Online traffic school course is cheaper than many offline alternatives. You may have unlimited retakes of the required test. It is also a fun learning experience since it is loaded with entertaining animations, videos and audio clips. All you need is just a computer with Internet access and you’re ready to go. The successful completion of a California traffic school course may prevent violations from damaging your driving record. It can also enhance your driving knowledge and skill level, and it may increase your overall safety awareness so that you and your family, and all other drivers can be safer on the roads. In addition, it offers the ability to get a reduction in your car insurance premium. Also, there will be no points on your record for the current violation, no insurance rate increases as long as there was no accident, you will often be eligible for a fine reduction, and you will maintain your status as a safe driver.
Hope you find this information helpful.
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