How to Get Good Student Car Insurance Discount
Reader’s Question:
I am a full time student in Fort Wayne, Indiana and I am just wondering if I can obtain good student discount?
Red
Fort Wayne, IN
Most Fort Wayne, Indiana insurance carriers offers good student discount depending on your GPA or grade point average. How ever it stil depends on individual insurance carrier’s rules and guidelines on what minimum GPA is needed for you to be able to avail of the good student discount.
Normally, this good student discount is applied to physical liability coverages of collision and comprehensive, bodily injury and property damage or medical payments as long as the student driver meets the qualifications the insurance company requires.
Many insurance carriers requires that a student is enrolled full time in high school, university or college and has a B average before the student can avail of the good student discount. You may also be required by some insurance carrier to submit a form to your school for them to be able to check your grades.
Is my Car Covered if my Car Insurance Lapsed?
Reader’s Question:
Is my car covered if my auto insurance lapses in South Bend, Indiana? How long is it covered for?
Larry
South Bend, IN
With car insurance, there is no grace period. Normally if you do not pay then your car insurance policy will cancel at 12:01 AM of the day listed on your payment notice or expiration date from your automobile insurance carrier. If you do not pay and your car insurance lapses you do not have any insurance coverage. There is no grace period for you to be covered for you to obtain a new car insurance policy or reinstate your insurance policy.
If you let your auto insurance lapse and your insurance company reports this to your state’s Department of Motor Vehicles, which is required in many states, then you can face fines and penalties for disregarding car insurance laws. In most states you need to turn in your license plates and registration if you cancel or have a lapse in car insurance. If you do not do so then your driver’s license and registration can be suspended for a period of time. Some states just require you to pay a fee and show proof of car insurance after a lapse.
Do not let your car insurance lapse in South Bend, Indiana as much as possible. If it does and you are caught driving without car insurance or even worse at-fault in an accident you will face penalties for driving uninsured and be held personally liable for the damages you have caused since you did not have any auto insurance in effect.
Auto Insurance Claims for Stolen Vehicle
Reader’s Question:
How long does it take for an insurance carrier to pay an insurance claim after you report your vehicle is stolen?
Robert
Hammond, IN
Insurance claims should be paid timely.
Several factors determine how long it will take for your insurance claim to be paid. Your insurance claim should be organized and managed from the beginning so that you can have a rental vehicle (if applicable).
Most insurance providers in Hammond, IN have a 48 hour waiting period in the event of a theft. After that, your insurance claims adjuster will start processing your insurance claim. At any moment you should be able to contact your insurance claims representative and ask how long it will take to process and pay your auto insurance claim.
Do I need Auto Insurance on a Car That I Don’t Use
Reader’s Question:
Do I have to have auto insurance on a vehicle even if I do not use it? What are the auto insurance laws in Indiana?
Jean
Terre Haute, IN
Normally if you have registration on your vehicle then most all states require you to continue to have insurance coverage on the car, even if you are not operating it.
If you do not want to insure a vehicle in Terre Haute, IN and it is off the public highways then verify with your state what steps to take. It will usually include turning in your license plates and registration on the car. If this is done then you can take car insurance off of the car normally without receiving penalties.
To verify what your state’s laws are regarding this contact your Department of Motor Vehicles (DMV).
Can a 16-Year Old Get a Drivers License in Indiana?
Reader’s Question:
We are from Indiana. My daughter is about to turn sixteen. She has never taken any driver education course and doesn’t have a learners permit. Can she still get her drivers license when she turns sixteen?
Dana
Elkhart, IN
You cannot obtain a license at just sixteen years of age in Elkhart, Indiana, you must have a learner’s permit first. Once your daughter have carried the learners permit for a certain amount of time she can apply for a driver’s license. If your daughter carries only a learner’s permit then she would have to wait until he is at least sixteen years old and 180 days old to obtain a driver’s license. If she would have started with an education learner’s permit then she could apply for a driver’s license when she is at least sixteen years and thirty days old.
To get more information about the licensing process in the state of Indiana you may contact the Bureau of Motor Vehicles. Make certain that when your daughter does start driving with a permit that you tell your insurance provider. Many insurers will allow you to wait until she is fully licensed to add her as a driver to the insurance policy but insurance guidelines differ and you will want to be certain that she is covered by your auto insurance when driving.
Car Insurance for Students Away in College
Reader’s Question:
My daughter is 19 years old and is away at college. My insurance carrier in Anderson, Indiana gives better rates for students who are only at home a few weeks a year. What will be my liability if she drives a friends vehicle while away at college and gets into an accident?
James
Anderson, IN
State liability laws vary so it will depend upon those laws as to what your liability as a parent will be when your child is away at college drives someone else’s vehicle. When driving someone’s vehicle, with permission, the car’s insurance by the owner is primary and if that exceeds the owner’s policy limits the driver’s insurance would be the secondary.
Since your daughter is no longer a minor if she was in an accident that required insurance she would likely be held liable herself and not her parents but since state laws do differ I would suggest speaking with an attorney to check exactly what your parental liability might be in this case. You may also want to talk to your insurance broker in Anderson, Indiana to check if your current car insurance would cover your daughter at all, as secondary insurance, if she drives their car while away at college.
Driving Out of State with Provisional License
Reader’s Question:
Is it possible to drive out of state on a provisional license in Bloomington, Indiana?
Rey
Bloomington, IN
You will need to verify with your Indiana Department of Motor Vehicles to check if they permit you to drive out of state with your provisional license. Most states do permit you to drive out of state but to be sure that you are not breaking any of your provisional license’s conditions contact your DMV in Bloomington, Indiana.
If your state permits you to drive out of state then you will also need to verify with the state or states in which you plan to drive to. The other states’ Department of Motor Vehicle should be able to tell you if you can drive within their borders or without a full license.
In most states there may be some restrictions put on your driving privileges.
Adding a Vehicle in your Car Insurance Policy
Reader’s Question:
Is it legal for someone to put a friend’s car on their auto insurance when they do not own the vehicle and it does not reside at their house? My cousin is doing this in Muncie, Indiana and I think its a bad idea.
Don
Muncie, IN
Yes you are right. It is a bad idea a lot of reasons. If the insurance carrier is not notified of who the real vehicle owner and main driver is, presumably the friend, then the person obtaining an insurance policy in this manner could in fact be illegal. Without your cousin having insurable interest in the car it may difficult for your cousin to insure the friend’s vehicle anyway.
In many states, such as Indiana, putting a vehicle on your insurance policy in order to save money in this manner could be considered insurance fraud. It would be misrepresenting the information to say that the vehicle was his and residing at his house if it really is his friends and is garaged at his friend’s house. His friend’s driving history should be part of the rating process since he is the owner of the car and driver in Muncie, IN.
Do you Inform your Car Insurance Company About Recent Traffic Tickets?
Reader’s Question:
When do you inform your insurance provider in you received a traffic ticket? After you receive the ticket or when you go to court? I need to find a great rate on Indiana auto insurance, where and whom should I talk to?
Robert
Elkhart, IN
At renewal typically each insurer re-underwrites your policy and/or offers a renewal rate for your auto insurance policy. At this time, you should inform them about any new traffic tickets.
There may be some insurance policy guidelines or specifications that require you to inform them of traffic violations during your insurance policy period, but that is mainly for risks or accidents that they may be responsible to help cover you.
Generally, moving violations go on your driving record, so that an insurance carrier in Elkhart, IN can see them when they run your Motor Vehicle Record (MVR), after you had plead guilty or otherwise are found guilty.
Can I Purchase a Vehicle in Indiana with International Drivers License
Reader’s Question:
I have driver’s license from Indiana. Can I purchase a vehicle? Please, I need to know if this possible.
Mahatma
Gary, IN
Indiana permits anyone generally to purchase a vehicle if they have the financial mean. If you are currently living in Gary Indiana you will need to register the car there as well. When you go to register the vehicle in Indiana you will need a certificate of Origin, Proof of Insurance, Odometer Statement and Verification of Social Security Number.
If you do not have a social security number or SSN you will not be able to register the car in Indiana. Without the vehicle being registered it would not be permitted to be driven on the Indiana roadways.
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