Indiana Auto Insurance Company
Reader’s Question:
I already have two speeding tickets, but they were not in my state which is Indiana. I got one speeding ticket in Nevada and the other one in Texas. Is that going to be “noticed” by my auto insurance company here in Indiana?
Lizzie
Fort Wayne, IN
Lizzie, I can see that the DLC or Driver License Compact is going to be a problem for you. You see, Indiana, Nevada and Texas are signatories of the said compact. Members of the compact agree to send to each other traffic violations done by each respective state’s motorists in their state. The DLC’s theme, “One Driver, One License, One Record” basically tells you a lot. Short version: your speeding violations, after they’re processed by Texas and Nevada will be sent to Indiana. It will be noticed by your auto insurance company come renewal time when they check on your driving history.
Now, for the speeding violation to appear in your driving record and to be transmitted to your home state, you will have to be convicted of the speeding charge first. If you dispute this charge in court and win, this won’t go to your driving record.
You also have some options to make the ticket go away. In some states taking a driving lesson, defensive driving lesson, perhaps, would persuade the state to have the ticket dismissed. This is, of course, depends on the gravity of the offense. You should ask your local government to know more about this, so you’d know what to do if ever this happens again.
Tags: auto insurance, Car Insurance Company, traffic school, traffic violation
Insurance for Old Car Indiana
Reader’s Question:
I’m from Indiana, and I have a very old car I want repaired. Will my car insurer cover this?
Jerry
Anderson, IN
Auto insurance is mandatory in all states. The state of Indiana requires its motorists to have financial responsibility if they ever cause an accident. Motorists comply with this by purchasing auto insurance. Auto insurance is intended to protect the automobile and its occupants against the risks associated with the automobile’s normal use on the road.
Although auto insurance covers for repairs following an accident, provided that costs are within the limits stated in the policy, it does not cover expenses incurred from restoration and repair. An auto insurance company will only assist in paying if you carry auto repair insurance aside from the standard coverage. Many automobile owners, especially those who just bought their first one, are unaware of this type of insurance. Once your vehicle’s warranty expires, auto repair insurance is a safeguard to protect you from costly repairs.
Standard auto insurance has breakdown coverage. This means that the insurer is only liable to pay for repairs needed due to breakable parts. There is also wear and tear insurance, which covers for repairs necessitated by parts that deteriorate over time. However, not all companies cover wear and tear of cars with a standard auto repair policy, so you may need to purchase this from another company altogether. You can also shop around for an auto insurance company that covers both.
Before you get yourself auto repair insurance, be sure to know what is covered and how much you need to pay through deductibles. This is because you may still receive coverage on automobiles that have done less than 100,000 miles even if your auto manufacturer’s warranty has expired.
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