Car Insurance Questions and Answers: CarInsurance.com offers consumers car insurance quotes, policies, news resources and this question and answer blog. If you would like to add this RSS feed to your page, you must keep the links to our site active. CarInsurance.com promotes a resource site for informed consumers.http://www.carinsurance.com/kb/customerservice@carinsurance.comThu, 21 Aug 2008 15:25:00 GMTCarInsurance.com RSS Feed Questions and Answershttp://www.carinsurance.com/kb/content38717.aspx Texas law requires people who drive in Texas to be able to pay for any automobile accidents they cause. Most drivers do this by buying automobile liability insurance. Section 601 of the Texas Transportation code is titled the Motor Vehicle Responsibility Act and it discusses t...Thu, 21 Aug 2008 08:55:00 GMThttp://www.carinsurance.com/kb/content38735.aspx Maryland and the Ohio are both part of a Drivers License Compact (DLC) that requires member states to share information regarding traffic ticket convictions back to the licensing state of the motorist. Due to this, the MD Motor Vehicle Administration (MVA) will be notified of ...Thu, 21 Aug 2008 06:54:00 GMThttp://www.carinsurance.com/kb/content38736.aspx As a general definition Uninsured Motorist is there to help protect you if you are hit by an uninsured motorist, meaning someone that does not have insurance to cover the injuries (or if it is UMPD it covers property damages) caused to you, so that you are not left to pay person...Thu, 21 Aug 2008 06:54:00 GMThttp://www.carinsurance.com/kb/content38728.aspx Bodily injury liability (known as BI or BIL) and property damage liability (known as PD or PDL) are types of liability insurance that most all states require as part of a motorist's minimum auto insurance coverages. Liability coverage helps protect you from covered damage yo...Wed, 20 Aug 2008 14:21:00 GMThttp://www.carinsurance.com/kb/content38727.aspx You may be able to buy a car and insurance in your own name at age 16 however you would normally be required to have a parent or guardian sign with you on any legal documents surrounding these items. The minimum age that one can buy a car and title it in their name and then obta...Wed, 20 Aug 2008 14:20:00 GMThttp://www.carinsurance.com/kb/content38723.aspx Going to school and being a full time student does not normally increase or decrease your auto insurance rates. If you are a good student and can prove it to your car insurance provider than you may be able to qualify for what is known as a "good student discount" though and low...Wed, 20 Aug 2008 14:19:00 GMThttp://www.carinsurance.com/kb/content38713.aspx An SR-22 is a document required as proof of financial responsibility. It can be ordered by the court or by the DMV under state law for persons convicted of certain traffic violations. Typically the SR22 is needed when you are going to reinstate your license after a suspension. ...Wed, 20 Aug 2008 14:18:00 GMThttp://www.carinsurance.com/kb/content38702.aspx Insurance normally follows a car first and driver second so yes, if you are loaning your car to another licensed driver in general your insurance as the car owner should cover him or her to drive since you gave the person permission to operate the vehicle. There are some insuran...Wed, 20 Aug 2008 11:55:00 GMThttp://www.carinsurance.com/kb/content38712.aspx Yes, insurance companies do have a national database that informs them if you have had prior claims paid through your insurance policy. If there were claims made due to you being at-fault in the accidents then the auto insurance company would have records of this in the form...Wed, 20 Aug 2008 11:54:00 GMThttp://www.carinsurance.com/kb/content38764.aspx As a former Maryland resident who had cars registered there you should be aware that when you register or renew a vehicle's registration in MD you sign an insurance certification form. Your signature on this acknowledges that the minimum vehicle liability insurance will be mai...Wed, 20 Aug 2008 11:54:00 GMThttp://www.carinsurance.com/kb/content38721.aspx In Ontario, Canada a new driver must hold a G1 licence for a minimum of 12 months before attempting the G1 road test but the level 1 license is valid for up to 5 years. To move up to level 2 or G2 status you must pass a road test. Your G1 or G2 license will expire 5 years aft...Wed, 20 Aug 2008 11:53:00 GMThttp://www.carinsurance.com/kb/content38685.aspx From the information we have gathered from the VA Department of Motor Vehicles  if you are a Virginia resident with a learner's permit you are allowed to drive out of state as long as you follow the restrictions and conditions of your permit including having a licensed driver o...Tue, 19 Aug 2008 11:09:00 GMThttp://www.carinsurance.com/kb/content38695.aspx With a beginners permit, G1 , in Ontario, Canada there are several restrictions placed on you. One is that you must not drive on 400-series highways with a posted speed limit over 80km/h. Also with a G1 you must not drive on certain high-speed roads including the Queen Elizab...Tue, 19 Aug 2008 11:09:00 GMThttp://www.carinsurance.com/kb/content38710.aspx As you are aware and the CA Department of Motor Vehicles (DMV) notes on their site, if you take a job here or become a resident, you must get a California driver license within 10 days. Residency is established by voting in a California election, paying resident tuition, filin...Tue, 19 Aug 2008 11:08:00 GMThttp://www.carinsurance.com/kb/content38673.aspx New York State is a part of the Drivers License Compact, which requires member states to inform the state in which a person is licensed about out of state moving violation convictions, while your home state of Wisconsin is not. However, most states will usually report violation ...Tue, 19 Aug 2008 07:46:00 GMThttp://www.carinsurance.com/kb/content38527.aspx The Wisconsin Department of Transportation states that most convictions on a driving record are eligible to be removed five years after the conviction date. Many alcohol related convictions such as operating while under the influence of intoxicants, with a violation date after...Mon, 18 Aug 2008 17:03:00 GMThttp://www.carinsurance.com/kb/content38633.aspx A deductible is a dollar amount, which a policyholder chooses when setting up their insurance policy, that the insured must pay on each loss to which the deductible applies. The deductible is due when your policy is covering a loss which there is a deductible associated with t...Mon, 18 Aug 2008 17:03:00 GMThttp://www.carinsurance.com/kb/content38668.aspx No, you do not pay a deductible amount to get another car fixed if the person whose car you damaged makes a claim against your insurance policy for the damages you caused in an accident. If you are at-fault in an accident and the other party makes a claim against your prope...Mon, 18 Aug 2008 17:02:00 GMThttp://www.carinsurance.com/kb/content38589.aspx A change in territory normally means that you have changed your geographical location by means of now having a different zip code or address. The Rhode Island Insurance Division defines a territory as the place where you garage your automobile and, therefore, do most of your dri...Mon, 18 Aug 2008 06:49:00 GMThttp://www.carinsurance.com/kb/content38517.aspx State laws differ regarding when or if your driver's license will be reinstated and no longer put on "hold" after you are found responsible in an accident and are being required to pay for the damages you caused due to not having insurance to cover these costs. In some states t...Mon, 18 Aug 2008 06:43:00 GMT