By author on October 31st, 2008
Reader’s Question:
My friend in Los Angeles , California , who is now a college student, would like to add his new car to his current insurance policy. She knew that the insurance company will consider her driving record if she will change her insurance policy coverage. In this case, what are the possible consequences of taking into account my driving record?
Matt
Los Angeles, CA
Most vehicle insurance companies there in Los Angeles , California find their chances to re-examine their clients’ driving records at times when these clients request to renew or change the coverage of their vehicle insurance policies. In your friend’s case, her driving record has direct effects on her premium rate. The point system that her insurer is using will be used to assess the points garnered by your friend from her previous traffic infractions. Consistent with the corresponding number of points assigned to each traffic violation, take note that the higher number of points compared to the points she has during her last update on her policy will mean a premium increase. If she never committed any traffic violation since her last renewal or change of vehicle insurance policy, there is nothing to worry about, so to speak.
If previously your friend has always been reprimanded because of, say for instance, drunk driving, she may be considered a high-risk client. Hence, she might be issued instead with drunk driver insurance, which is relatively an expensive premium. The key idea here is that the worse your record is, the higher the premium rate you may have.
Tags: auto insurance
By author on October 24th, 2008
Reader’s Question:
I have never been late on making payments for my car insurance here in Los Angeles, California but lately, I have been through financial difficulty. What could happen in case I am late on my car insurance payments?
Nelson
Los Angeles, CA
Even if you are only one day late with your payment for your car insurance in Los Angeles, California, your insurance provider could drop your policy and they will not necessarily reinstate your policy once they have your payment. Moreover, if your car insurance policy is cancelled, you could pay more on comparable policy or worse, have difficulty being insured. Every state has laws concerning the cancellation of your car insurance policy. A car insurance carrier would almost always have the ability to drop your policy on its midterm or non-renew it if you don’t make the payment on time.
On the other hand, most car insurance companies value you as their customer and would not cancel your policy if you are only a few days late. But some insurance providers may take advantage of that and kick you of their rolls if you are constantly late with your payments or if they decide that you are a risk and they don’t want to insure you anymore. If you have already passed the date of cancellation, an insurance company could ask you to pay the rest of the balance due for the full term before they reinstate your car insurance.
Tags: car insurance, car insurance policy
By author on October 23rd, 2008
Reader’s Question:
My sister is looking at purchasing a liability coverage for her car insurance here in Los Angeles, California. What would this auto insurance coverage do for her in case she gets into an accident?
Tanya
Los Angeles, CA
Most states require any driver to have at least liability coverage for the auto insurance. This is probably the reason why liability coverage is the foundation of auto insurance policies in most states here in the US. If your sister gets into an accident and it was her fault, her liability auto insurance in Los Angeles, California would pay for any kind of physical injury and medical costs and for any kind of damage to the property of the other individuals in the accident. This would include the repair or replacement of the things she may have damaged during the accident.
But the liability coverage would not pay for any damage on your sister’s automobile, her injuries and/or her property damage. It would pay for the legal fees for her and also for anyone else who is included in her auto insurance policy. It would also pay to bail her out of jail if things get a bit testy at the place where the accident happened. Liability coverage would also pay for any kind of emergency help during the accident, such as an ambulance.
By author on October 17th, 2008
Reader’s Question:
I usually do things online because I find it comfortable to use. Now, I am also shopping for car insurance online to find affordable rates. What are the things that I need to know when looking for insurance quotes online for my car here in Los Angeles, California?
Paulina
Los Angeles, CA
If you are searching through the web to look for car insurance quotes, be sure that the website you use has the updated details about the car insurance company’s premium rates. You may find it very annoying to see a good auto insurance quote only to know that the services being offered and the given quotes by the insurer are already obsolete and no longer available. If you use a stable insurance provider that keeps their site and their car insurance quote calculating tools up to date, this could never happen. These car insurance providers are there to give quality service and they do their very best to make you feel right when you select them to provide you coverage.
You should keep several things in mind when you’re shopping for insurance online for your car in Los Angeles, California. You have to look through different quotes and review thoroughly the total premium amount, the level and quality of coverage and other things being offered. All of these have some importance on the amount every time your premium will be collected. Also, if you look at several quotes, you can be sure that you’re having the best possible car insurance coverage at affordable rates.
Tags: car insurance, car insurance online, car insurance quotes, car insurance rate
By author on October 15th, 2008
Reader’s Question:
My husband just got a classic car from his father in his latest birthday. Will we be able to get a discount on the auto insurance here in Los Angeles, California?
Paloma
Los Angeles, CA
Considering the fact that a classic car is not an everyday car, most car insurance providers realize that these cars would not cost them as much as other cars. Because of that, they would be kind enough to give your husband a discount on your classic car insurance in Los Angeles, California. He could even find an insurance carrier that would offer him ‘agreed value’ coverage. This kind of car insurance policy would cover the full insured value of the classic car in case anything happens to it. The ‘agreed value’ is different than the standard car insurance policy. The actual cash value is the amount in replacing the car less the depreciated value that the insurance provider has determined.
Your husband wouldn’t have to worry about having an appraisal for your classic car with most car insurance providers unless the car that he has is very rare and very expensive. If he already has insurance for his regular car, it won’t hurt him to ask his insurance agent if he can have any other type of discount on his classic car insurance.
Tags: car insurance, car insurance discounts, classic car
By author on October 14th, 2008
Reader’s Question:
I have to take care of my auto insurance now after my drunk driving conviction here in Los Angeles, California. How will the insurance company handle my policy if they find out about my DUI?
Kevin
Los Angeles, CA
You have faced penalties such as fines, driver’s license suspension or revocation and possibly, jail time when you were convicted for DUI in Los Angeles, California. You are also facing other consequences and one of them is your auto insurance problems. Because of your drunk driving conviction, you are considered to be a high risk for auto insurance providers. To keep your automobile/s covered and to protect themselves, they usually cancel or raise the premiums for people convicted for DUI. When you apply for a new policy or once in three years, insurance providers normally check your driving history.
It is possible that your drunk driving conviction could escape your auto insurance provider’s attention. However, if they find out about it, they usually handle it in one of two ways. They could raise your insurance rates and tag you as a high-risk driver. They can also just decide to cancel your insurance policy or non-renew it. In any case, you can always shop around for the best auto insurance after your DUI and you may very well start by getting a quote from this website.
Tags: auto insurance, auto insurance quotes, drunk driving insurance, DUI, DUI conviction
By author on October 10th, 2008
Reader’s Question:
My husband got a DUI here in Los Angeles, California and I wonder if we could still get auto insurance. Could you help me how to get insured after my husband’s DUI?
Daria
Los Angeles, CA
After your husband’s DUI in Los Angeles, California, your auto insurance policy could be under legal threat. The first thing that you need to do now is to contact your auto insurance agent and tell them about your husband’s DUI. You also need to go over your policy clauses because it would most likely have your husband added to it. You can tell you auto insurance provider that you’d want a review of your current insurance policy.
You may also ask to exclude the name of your husband from the current auto insurance policy. Some US states have mandatory laws regarding the insurance of married couples. Normally, they require adding the spouse so you need to check if you are eligible for exclusions in California. You also need to be sure that your husband doesn’t drive the vehicle under the renewed auto insurance policy with the exclusion because you would not get coverage under any conditions. Be prepared to pay higher insurance rates on your current policy if you are not eligible for exclusions
By author on September 28th, 2008
Reader’s Question:
My mom got arrested for drunk driving in Los Angeles, California and we are being asked for a large amount to pay for bail. We cannot afford such amount for her release, are there any other options?
Cherry
Los Angeles, CA
There several options should an arrested person for DUI cannot afford to pay the bail for temporary release. One option is what they call a “Bond”. This is implied as a substitute of full amount payment. It is a written agreement that the entire bail amount will be paid if the arrested person fails to appear on court proceedings. You may consult a Bond Agency in Los Angeles, California, but some bond agencies may require collateral before posting the bond because they will be responsible in paying the entire amount if the arrested person jumps out of bail or fails to appear as agreed.
Another option is “Own Recognizance Release”. This may be granted by the court and no bond is needed. The arrested person may be released after signing an agreement promising appearance in court for upcoming proceedings. The court may impose certain conditions and considerations when granting own recognizance release such as the person’s DUI record and/or criminal history, gravity of the DUI offense and ties of the arrested person to family, community and employment. Failure to appear in court after own recognizance release on the other hand may lead to an immediate arrest thus revoking any chances for bail. Getting arrested for DUI is a serious matter as the local government of Los Angeles, California imposes stricter DUI laws. I also suggest that you seek for an attorney knowledgeable in DUI cases to defend your mom. Once everything gets better, I suggest you also try to check out appropriate auto insurance after DUI.
Tags: auto insurance, DUI, DUI arrest, DUI lawyer
By author on September 28th, 2008
Reader’s Question:
I just got my driver’s license and pretty curious about road regulations here in Los Angeles, California. What are the usual procedures if you get pulled over for drunk driving?
Samantha
Los Angeles, CA
It’s great to know that there are people who want to learn more about the consequences of driving under the influence. This is really helpful in educating young drivers especially in Los Angeles, California about driving responsibilities. In cases where one gets arrested for drunk driving, the person may be taken into police custody. The person will then undergo a process we call “booking”. During this process, the police officer usually takes the person’s personal information as well as search for criminal records if there’s any. The alleged crime information will then be recorded and personal properties may be confiscated such as keys and purse, in which should be returned upon the person’s release.
After this, the person may be placed in jail not unless a bail is already decided and paid. The bail amount may be predetermined, through predefined “bail schedule,” or the judge may set a monetary figure based on the gathered criminal records of the suspect. If granted by the court, the person may seek “own recognizance” release, where bail money is not needed. The suspect is then merely released after promising, in writing, to appear in court for all upcoming proceedings. Then, that will be the time that the person seeks legal assistance and hires a DUI lawyer to appear and defend him on court proceedings.
A DUI arrest and conviction is not a minor offense. This may actually lead to negative impacts on auto insurance that you may have. I also suggest that you can check on line websites to check for available post DUI insurance. You can check out premium rates as well as free quotations on this site.
By author on September 28th, 2008
Reader’s Question:
I have a friend in Los Angeles California who was arrested for drunk driving. Prior to that, we both had signed up for an auto insurance. What would be the possible effect of his arrest to his auto insurance?
Martha
Los Angeles, CA
Most drivers like your friend may wonder what could be the impact of being arrested for drunk driving, especially in Los Angeles, California where DUI and DWI is never tolerated and observe strict policies on driving automotive vehicles. This actually does not only impact your car insurance but as well as your driving privilege. The sad truth is that drunk driving conviction may cause your car insurance company to increase their rates, or worst terminate your policy. Insurance companies formulate their premium rates with risk factors. That means, the higher the risk is, the more they charge you with premium rates. They actually base this on an individual’s driving record. This includes the number of tickets, previous DWI/DUI records and accidents that you had during your driving life.
Your friend is not obligated to report his or her drunk driving arrest to the insurance company, not unless he or she gets convicted or the driver’s license is suspended or revoked in a motor vehicle department administrative action. Your friend will likely be required to file an SR22 or formal certificate of insurance if she/he gets convicted. Because of this, it is critical to consult an insurance professional who is expert about DUI / DWI convictions after drunk driving arrest. Then I also suggest that your friend start looking for an effective and cost efficient car insurance. They offer free insurance auto quotations on this web site by the way.
