Auto Insurance Points Antioch California CA
Reader’s Question:
I am a Antioch, California resident and got recently a speeding ticket for driving 82 in 75 mile zone in ID. What will happen if I do not pay the fine?
Denver
Antioch, CA
Idaho and California are both members of the Drivers License Compact and this means that member states of the DLC are required to report tickets received by drivers to the state where they received a license to operate. So the ID courts or Transportation Department will inform the CA Department of Vehicles about this out of state traffic ticket.
If you ignore or do not take care of the traffic ticket that you received from a state in which your state has a reciprocal agreement, like Idaho and California have, you license will be suspended in the state in which you received the traffic ticket. Your Antioch California home state, will then likely be informed that you failed to take care of your traffic violation.
To make sure what CA does with regards to your driving record or license if you do not take care of out of state tickets you can contact the California DMV.
Tags: auto insurance
Driving With Suspended License San Francisco California CA
Reader’s Question:
When will driving on a suspended license taken off your driving record in San Francisco California?
Fred
San Francisco, CA
Driving with a suspended license in San Francisco California is a violation worth two points on your driving record. This violation of the law comes with other penalties such as vehicle impoundment, jail time, fines, and/or a longer license suspension time or the revocation of license.
The amount of time in which a violation remains on your California driving record depends on the severity of the violation. Most points for minor violations, such as an speeding, illegal turn, etc will remain on your record for three years. Violations and points of more serious offenses, such as a DUI or hit and run accident generally remain on your MVR for seven years.
To verify for sure if California terms your violation as a major or minor violation, and how long it will remain on your driving record, you may contact the California Department of Motor Vehicles.
Tags: auto insurance, Driving without License
Auto Insurance Bellflower California CA
Reader’s Question:
I receive a notice of non-operation for a financed vehicle, do I need car insurance for that vehicle in Bellflower, California?
John
Bellflower, CA
The state of California, defines non-operational to mean that the car will not be driven, towed, parked or stored on public roads or highways for the entire registration period.
Normally, filing a notice of non-operation with a state is done to save on registration fees. In CA they permit for a planned non-operation (PNO) fee to be paid instead of the regular registration cost, the non-operational status will stay until you decide to operate the car and pay full registration renewal fees.
If you have a financed vehicle in Bellflower California generally you need to continually have car insurance on it. Most finance paperworks would require this so even if you file a notice of non-operation with your state’s DMV and are not going to drive the car, you will definitely need to verify with your finance company before attempting to remove insurance. Even though the car is not going to be on a roadway does not mean that damages could not happen to it and the need for car insurance will not be there.
Tags: auto insurance
Drunk Driving Insurance San Francisco California CA
Reader’s Question:
I got a DUI in California four years ago. When will my insurance carrier in San Francisco CA not be able to use this against me? When will they lower my insurance rates? They said that my rates are so high because of this DUI but, a friend told me that they are no longer permitted to do this after three years. Is this correct?
Ben
San Francisco, CA
Many traffic violation convictions in California stay on your driving record for three years but the DUI is considered a harsher violation so it, along with hit and runs and reckless driving, stays on your record for seven years from the violation date. Failure to appear for a DUI violation will be reported for ten years.
Each insurance provider in San Francisco decides their auto insurance rates using many factors. To find out about your insurance carrier’s rating system you may contact the California Department of Insurance because the must file their rates with this entity.
Tags: car insurance rate, cheap auto insurance
Low Cost Auto Insurance Program California CA
Reader’s Question:
I am wondering who is eligible for the California Low Cost Automobile Insurance Program?
Jim
San Francisco, CA
California’s LCA Insurance Program is a pilot program for residents of the City and County of San Francisco and the the LA County ONLY.
To qualify for the Low Cost Automobile Program, the applicant who lives in either SF City/County or LA County will have to demonstrate their financial need as well as be a “good driver”. Other certain restrictions apply, such as, the current value of the car to be insured cannot exceed $12,000.
You may also visit the California Insurance Department for more specific information regarding this. It is possible that government regulation and intervention may increase the rates in California, instead of solving the problem of uninsured motorists in the state. When the government tries to segment a free marketplace or tries to add more unnecessary regulation typically insurance rates become higher for everyone.
Tags: auto insurance, car insurance rate, cheap auto insurance, good driver insurance, safe driver insurance
Driving Without Auto Insurance San Francisco CA
Reader’s Question:
I live in San Francisco California and want to know what happens if you are cited for a traffic infraction and you do not have auto insurance yet and the police officer gives you a fixit ticket to go to court and show proof that you did have auto insurance when the violation happened? Will I be lose my license or pay fine? If so, how much will it be?
Lory
San Francisco, CA
If you get caught driving without car insurance, it could cost you twice as much as one year of a basic auto insurance policy. If you fail to establish proof of financial responsibility, an infraction of California Vehicle Code, may result in fines up to $500 and penalties, impoundment of the car (for which the owner must pay all tow charges and storage), and driver’s license suspension.
That being said when a police officer gives you a fix-it ticket typically it is also a notice to appear. So your best option is to buy insurance and show proof of the newly purchased car insurance policy to the court. At this point it will be up to the court to determine if they are content or if they will access you a suspension or a fine.
For more specific information you can visit the California Insurance Department.
Tags: auto insurance, autos, traffic violation
Comprehensive Car Insurance Coverage California
Reader’s Question:
I live in San Francisco California and my vehicle was parked on the street outside my house and it was hit by somebody. Should I make a claim under my uninsured motorist coverage?
Renzo
San Francisco, CA
I believe this would be considered a comprehensive coverage claim in San Francisco. Comprehensive physical damage covers your car, and sometimes other cars you may be driving for losses resulting from incidents other than collision. For instance, comprehensive insurance covers damage to your vehicle if it is stolen; or damaged by fire, flood or animals or parked. It is important that you report this loss to your car insurance provider. A licensed claims adjuster will be able to determine how this loss will be covered.
I suggest that you speak or contact your car insurance company to get more information on your comprehensive coverage policy.
Tags: auto insurance, auto insurance claims
Auto Insurance Claims San Francisco CA
Reader’s Question:
If you are in an accident and no one calls the law enforcement officer and you just exchange information with the other driver what happens if they later come back and say they have damage in their car that they did not? I have my car insurance in San Francisco California.
Dan
San Francisco, CA
All accidents or incidents should be reported to your insurance providers even if the law enforcement officer are not called. In this way, they have a record of your side of what happened. This also protects you from accidents such as the one you stated wherein the information later changes.
You should contact your insurance carrier in San Francisco CA, if you haven’t already, and explain to your insurance agent what happened. At this point, it will be up to a claims adjuster to know whether or not a claim can be made against your car insurance policy. The same applies for the other driver.
Tags: auto insurance claims, car, car insurance rate, insurance advice
Car Insurance Cost San Francisco CA
Reader’s Question:
I live in San Francisco, California and I am wondering why does your auto insurance rise if you have a two-door car? Does it cost more to insure a 2 door car?
Sandy
San Francisco, CA
2- door car do not always make your car insurance to rise in San Francisco since individual insurance carriers have their own rating systems, but many two door vehicles are deemed to be sports cars and therefore may cost a little more to insure.
A sports car will be rated higher by most insurance carrier in California than a family sedan. This is because of the fact that sports cars parts normally cost more to repair and they are statistically in more accidents at higher speeds, so it appear to insurance companies as more of a risk.
The classification of a vehicle as a sports vehicle, family vehicle, etc will depend upon the definitions set forth by an insurance carrier. Each insurance carrier has its own car classification system that is typically based upon ISO (Insurance Services Office) VIN system or other insurer proprietary ranking systems.
Auto Insurance Rate San Francisco CA
Reader’s Question:
I am 17 years old, and I just got a speeding ticket and received 3 insurance points on my license. Will my auto insurance find out and will it raise my insurance premium dramatically in San Francisco?
Dan
San Francisco, CA
Chances are your insurance provider in San Francisco CA will learn of your speeding ticket when you renew your insurance policy and they obtain your motor vehicle report. If it was your 1st ticket, you might not see any change in your insurance rates. Some states have laws governing why and when car insurance companies can change policyholders’ insurance premiums; usually, insurance carrier are not permitted to increase your insurance rates after just 1 speeding ticket or other violation. Different insurance companies have different practices when it comes to raising insurance premiums. Some insurance providers will consider the severity of your infraction and increase your rates accordingly; others will raise insurance rates a specific amount per infraction.