Someone hit me when I don't have insurance?

Someone hit my car but I did not pay for my insurance for last 2 months and I don't have insurance now. Would his insurance pay me or I have to have insurance to get paid? damage is more then $1400 and he is asking to pay me $400 cash to not report or report it to insurance but I afraid insurance does not pay me because I don't have insurance.

My auto insurance raised twice as much for not being insured for more then 30-days?

I had auto insurance with state farm and my policy was $180 (just liablilty)per month for 12 months. I ran into some issues with money and could not pay so I cancelled the policy and avoided driving for a little over a month. I recently went to another agency to find a cheaper insurance and they said “since i had a registered vehicle that was uninsured for more than 30 days, there is a penalty.” Now I pay $340 for 8 months (just liablilty). 3 agency's told me the same thing.

My question is will this ever change? How long will I have this “penalty”?
I have a clean driving record besides this and feel this is unfair and cannot afford it.

Is there anything I can do to go back to paying $180p month?

When did insurance companies start doing this? I have not found anything similiar through my research.

Thanks

How much auto insurance coverage should I carry???

If you are involved in an at fault accident and/or your vehicle is stolen and you can afford a $1000 deductible, go ahead and increase your deductible. If not, keep the $500.

Don't mess with those liability limits. State minimum requirements will not protect you if you are legally responsible for a severe injury and or a significant amount of property damage. Your insurance will pay up to the limits, and you are still on the hook for any settlement/judgment beyond your limits. What are your PD limits? You should have at least $50k. What happens if you rearend a new Mercedes and total it? AZ's minimum limits will not be enough.

If you drive a car then you need to have car insurance but it can get expensive. If you want to reduce what you pay for auto insurance then make sure that you keep your driving record clean and you do not have any accidents.

First when you are searching for auto insurance online you want to compare the price and the policy both so that you know that you are getting a low cost auto insurance that gives you enough coverage in case you need it.

Do not go with the first insurance company that you find because you will probably pay more by not comparing quotes form different insurers. Make sure you ask the company you are dealing with if they have any good drivers discount because this can save you money on your premiums.

You may be a good driver but you need to have proper auto insurance so that if anything happens you are covered. You never know when someone else gets into a car and is drunk and you can not control that. Be safe and find an insurance coverage that is affordable and covers you if anything happens.

Finally make sure that you carry insurance coverage if you drive a car. You may feel like you are a real good driver but you never know what may happen when you are driving and if you get hit by someone that does not have insurance then you may have to pay a lot of money to get your car fixed.

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Bryan Burbank is an expert in the field of Discount Insurance.

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Can I register my car without a license in Louisiana if I get it insured first?

You need to be a licensed driver to buy insurance. An insurance company isn't going to insure a driver with no license.

Money is an obvious one. And, of course, having a vehicle to insure and a garaging address is another. A completed application with signatures applies to all polices. Also, each company will have their own unique set of guidelines for what you will need. Lastly, legal requirements can change in different jurisdictions.

Payments to start a policy are mostly made by check or credit card. Many policyholders now a days use an electronic form of payment. For credit and debit cards the account number, expiration date, and security code are needed. For an electronic funds bank transfer the account and bank routing numbers. In either case the account holder, which is not always the policyholder, must provide authorization.

Before a policy can begin the exact Vehicle Identification Number or VIN (17 digit alpha numeric) is needed. Providing the year make and model is insufficient. Each car has a unique VIN which identifies the characteristics for that particular car. Air bag, antilock brakes and other vehicle features are verified. CLUE reports (Claims Loss Underwriting Exchange) indicating vehicle claims history require the correct VIN.

Information not provided on computer generated reports such as the MVR and CLUE are necessary to complete the application and issue (begin) a policy. Be prepared to provide the employer (school) name and address for all drivers. When making payments on the car the bank or leasing company name and address is necessary. The application will have to be signed and payment authorized.

Companies often require a variety of documentation supporting the policy. Proof of prior insurance or school transcript for discounts is typical. Photographs of the vehicle or policyholder picture identification are less common. If there are different vehicles in the household covered by another insurance policy you may be asked to provide proof. Not all jurisdictions have the same legal requirements. For example, 7 counties in Florida require mandatory vehicle inspections when starting a new policy that include physical damage coverage.

Most, but not all, of the necessary information for a policy is generated by reports from your name, address, drivers license and VIN numbers. It is imperative that the 17 digit VIN number you provide is correct. Complete information, payment details, specific requirements, and signatures are the things you need to set up an insurance policy.

Cliff Schimek is President of Auto Plus Insurance, a family owned and operated car insurance agency http://floridaautoplusinsurance.com. We are independent agents that compare rates from different companies and provide florida insurance quotes by phone at 1-877-WIZ-AUTO (949-2886).

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Auto insurance buyers often drawn to pay too much for their policy. Many of us fail to understand that they can get cheap auto insurance by knowing little more about how insurance companies decide your premium rates. However there are some very basic things that you can do to get lower rates on your insurance coverage. Here are 3 simple steps to follow to get cheap auto insurance guaranteed.

1. know your auto insurance needs

Every state in United States has their minimum insurance requirements declared by the law. Louisiana State’s minimum insurance requirements are 10/20/10.The first two numbers refer to bodily injury liability limits and third number refers to the property damage liability limit. However It is easy to see how these limits may not cover all the liability and property damage needs. So decide on your car insurance needs. A good way to decide this is to look at all of your assets that you have.

2. Look for discounts

Not many are aware about various discounts available on your auto insurance. Insurers often fail to make you aware about some discounts you may avail due to lack of proper communication.However you should not be afraid of asking your insurance provider about different discounts available. You could avail a discount if you are associated with some organizations, universities, companies. Let your insurer know about your associations and avail the discounts if there are any.

Some other discounts are multiple car discount, group discount, good grades discount, senior citizen discount, company discounts, low mileage discount. Let your insurer know if you are eligible for any of this discounts. This can save up good amount on your policy.

3. Choosing the right insurance company

When you are ready to take your insurance coverage and if you are looking for the best offer you can get at cheapest possible rates then you need to do a little research online. The best way to start off is to get quotes from multiple auto insurance companies. Many online sites provide this free service. This way you will get to know the actual premium rates from various auto insurance companies before you buy. You do not have to pay for this. Most insurance companies provide these free quotes online. The process is quick and simple. All you have to do is to fill up inquiry form. The whole process is quick and simple and you can have the quotes within 5 minutes from now.

You can save substantial amount of money by following some simple tips at cheap auto insurance tips and cheap car insurance for young drivers.

Stewart Mill is an automobile insurance professional in the United States. if you are searching for cheap auto insurance then visit http://www.cheapautoinsurancetips.net/.

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