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.

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.

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.