I have been through a lot of traveling lately that required me to rent a car. How would I know if my car insurance policy here in Los Angeles, California includes coverage for a rental vehicle?

Harlan

Los Angeles, CA

Having the knowledge whether or not you have to buy rental vehicle insurance could save you money and provide composure. Non-obligatory insurance can almost double the price of the car rental. So prior to buying the rental vehicle insurance from the rental company, you need to do a little research on your own car insurance policy in Los Angeles, California. You may opt to go over your policy with an independent car insurance agent. He/she can assess your coverage to see if you are protected in a rental vehicle.

You may also find the information through your credit card company. A number of credit card providers offer coverage without extra fee if you use your plastic to pay for the rental. But there could be limitation so make certain that you inquire for the precise explanation on what is covered.

Another option that you have is that you can bring with you the “Declarations Page” to the rental counter. The rental car company representative could ask you some things that this page could provide response. If you are not certain about something, you need to have with you the contact number of your car insurance agent so that you can get in touch with him/her immediately.

Is it true that going to Driver’s Ed. Will give me discounts on my car insurance? If so, what kind of classes should I look for here in Los Angeles, California?

Raymond

Los Angeles, CA

Yes, Accredited defensive driving schools and institutions can definitely qualify you for some discounts towards your auto insurance rates there in Los Angeles, California. Now the amount and duration of the discount you get will vary between states but the aim is generally the same. The safer the driver you become, the less the chance of you filing for an insurance claim and the less expensive for the insurance company to provide you further auto insurance coverage, thus the savings are passed on to you.

Defensive Driving Courses or Lessons can usually be taken with your State Department Of Motor vehicles but then again there are a lot of local accredited schools in your area that you can choose as well. These courses are offered to the general public, without any virtual limitations on the students age. Once you get your certification, call up your insurance provider so they can process applying the discount immediately.

You should still get in touch with your insurance provider before you undergo such classes though. Each Insurance provider will have their own rules or policy on how and when you will be receiving the additional discounts on your car insurance premiums. You should get at least three years worth of discount with most auto insurance companies. Some can add the discount immediately while others might insist adding it at the end of your insurance term so get the details first to know what you will be expecting after taking the said classes.

Tags: auto insurance online, auto insurance premium, car insurance company, car insurance discounts

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.

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

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.

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.

How come some car insurance companies want me to get them after I have been convicted with DUI here in Los Angeles, California? Do I have to expect my rates to increase and what is SR22?

Herman

Los Angeles, CA

After your DUI conviction in Los Angeles, California, you probably know by now that the financial ramifications of DUI don’t stop with the fines, assessment and fees that you paid for during the course of the proceedings of your DUI case. You would also be required to provide the court with a proof of insurance (SR22 insurance), which comes from your insurance company. You may consult with your lawyer as to how you can get the SR22 insurance without raising an alert or better yet, go on and get an online rate quote now from this website for your SR22 insurance.

You have to expect increased car insurance rates for many years to come. It would be nearly impossible to avoid increased car insurance rates after a DUI and consider yourself lucky if you are able to maintain your current car insurance at all. A number of car insurance companies want you after your DUI conviction but don’t just jump ship from your current policy until you hear the premium rates that these “high-risk driver” insurance companies offer because they are significantly higher.

I need an SR22 auto insurance after being charged with DUI here in Los Angeles, California. How long do I have to maintain it and how long will my DUI stay on my record?

Virgil

Los Angeles, CA

It’s a good thing that you are now thinking about getting SR22 auto insurance after being charged with DUI in Los Angeles, California. You need the SR22 auto insurance so that you can get your driver’s license back at the end of your suspension period. That is actually a requirement by the California Department of Motor Vehicles (DMV) to reinstate your driver’s license. You have to carry the SR22 auto insurance for three years under normal circumstances. But the terms can be extended with the presence of stricter enforcement of DMV laws and lobbying against drunk drivers.

The bad part about your DUI charge is that this violation would stay on your driving record for 10 years. It would be rated for points by auto insurance companies for three years, so that would be some relief, but most preferred insurers don’t take drivers with DUI violations, so it may be a long wait until you get that kind of policy. But you can absolutely get a free online rate quote for your SR22 auto insurance from this website.

I know that on my first court date for my DUI charge here in Los Angeles, California, I would have to plead guilty or not guilty for the charge. What other things usually happens during the first court hearing?

Izzie

Los Angeles, CA

Aside from the advisement of your rights, reading the charges against you and entering a plea of guilty or not guilty, there are some other things that would happen on your arraignment or first court date for your DUI charge in Los Angeles, California. This is when the court will decide whether or not to set bail, or whether any preliminary bail amount set by the police must be changed.

You driver’s license will also be confiscated and your California driving privileges will be suspended. If you have refused a blood alcohol test, the judge will schedule an administrative hearing with the Department of Motor Vehicles to determine if your privileges should be revoked for refusing the test. During the arraignment, the court will also schedule a future date and time for further proceedings regarding your DUI case. The judge would specify what the reason is for the next court appearance or proceedings. The reasons could include a preliminary hearing, a pre-trial conference, pre-trial motions, or trial.

I have a DUI charge here in Los Angeles, California and I think they have a strong case against me? Do you think I should simply plead guilty to my DUI case?

Jackson

Los Angeles, CA

No, you don’t have to plead guilty to your DUI case in Los Angeles, California even if you think that they have a strong case against you. The truth is that a DUI conviction in the state of California carries significant penalties and ramifications which you will feel for many years if you simply plead guilty to your DUI case. It would be very foolish to assume that there would be no chance of success in a DUI case yet we are repeatedly faced with this common mistake.

Every Municipal Court Judge encourages those who are accused of DUI to retain a DUI defense lawyer at the time of arraignment because they know that there is something that could be accomplished by a defense lawyer in a DUI case. An experienced DUI lawyer would tell you that there are a lot of defenses to DUI charges and the honest truth is that you will never have the advantage if utilizing those possible defenses unless you consult a knowledgeable DUI defense lawyer. And I’m pretty sure that any DUI lawyer you consult will tell you that you don’t have to immediately plead guilty on your DUI charge.