Vehicle Insurance Alhambra California CA

Reader’s Question:

Do you need to have a drivers license to purchase, register and insure a vehicle in CA? I know many unlicensed motorists in Alhambra California, and I was just wondering how they obtain and register their vehicles.

Jason

Alhambra, CA

What I know is that in California a driver’s license is not required to be presented to purchase or register a vehicle. But if you do not have a driver’s license it is not easy to obtain car insurance which can be an issue in many states. In California, auto insurance is needed for a vehicle that is registered in the state.

It is illegal to operate without a license and insurance in California so even an unlicensed drivers were able to purchase and register a vehicle in Alhambra if they are without a valid driver’s license and car insurance for the car then they are driving illegally.

To get more information on California or other state laws regarding the selling or buying of a car and registration requirements you may contact the CA DMV.

 

Tags: auto insurance, driving without insurance, Driving without License

Car Insurance Information Bellflower California CA

Reader’s Question:

Is there some way I can find out if a particular person has car insurance in Bellflower, California?

Christine

Bellflower, CA

Yes, though state laws very you normally can go through some state agency to check if an individual is insured. If you want to check if a certain vehicle is insured some Department of Motor Vehicles may be able to provide you this information if you have a VIN or license plate for the car. This could be helpful if you were hit by a vehicle and got the license plate number and want to know about the owner and if they are insured.

In the state of California you can request the insurance information by contacting the Department of Motor Vehicle’s Financial Responsibility Unit and submitting a form.

Tags: auto insurance

Car Insurance Points Chula Vista California CA

Reader’s Question:

If you get a speeding ticket in NY but you live in Chula Vista, California (CA), can you take a traffic school and get the speeding ticket remove from your driving record both in CA and NY?

Dan

Chula Vista, CA

You will need to verify with the courts in NY where you received the traffic ticket to check if there is a way in which to take traffic school so that this ticket will be removed from your record. It may be possible also that if you take a driving course through New York that the ticket is taken off or not seen as a conviction and therefore will not be transferred to Chula Vista, California.

If instead the ticket information is reported to back to your home state it will likely be put on your California driving record and assigned points to it. It is unlikely that you could take traffic school in CA to remove the points or ticket.

In California to take traffic school you must be approved by the judicial officer or court clerk in the county in which the violation was written. Since the ticket was not received in CA this does seem unlikely but you may verify with the California Department of Motor Vehicles to be sure.

 

Tags: auto insurance, automobile

Drunk Driving DUI Los Angeles California CA

Reader’s Question:

I received a drunk driving violation in Los Angeles California. Due to deployments with the military I was only able to finish three months of my six month classes. I now want to purchase a vehicle of my own, is that possible if I have a DUI in California?

Bea

Los Angeles, CA

There is no California law that I know of that would not permit you to have a vehicle in your name due to a previous DUI conviction in Los Angeles California. What you need to verify though is if your license has been revoked or suspended because of not completing your alcohol education classes that were likely appointed by the court. If your license is not valid than it might not be easy for you to find a car dealership that will sell you a car due to this fact.

To make sure that you have taken care of all outstanding issues regarding your DUI in Los Angeles California and that you have a valid license, you should contact the CA Department of Motor Vehicles.

 

Tags: auto insurance, drunk driving insurance, DUI

Los Angeles California Auto Insurance Question

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

Car Insurance Berkeley California CA

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

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

Driving Without Car Insurance Los Angeles CA

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

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.

Comprehensive Auto Insurance California CA

Reader’s Question:

Does the state of California insurance have free window replacement for my car?

Louis

Los Angeles, CA

California insurance laws do not require insurance providers to offer free window replacement. There are a few states that have laws in place so that insurance companies must waive the deductible for the comprehensive coverage claim for windshield replacement or repairs, California though is not one of these states.

You need comprehensive or comprehensive glass coverage in California to have a window replaced or repaired by your car insurance carrier. With either type of coverage you would have to pay the deductible associated with that portion of your car insurance policy.

So California does not have free window or windshield replacement though there may be some insurance companies that on their own will waive a deductible for windshield claims. The thinking there is that you will be a safer motorist if your windshield is in proper condition and the motorists can see without impairment.

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